document
  prefix app <https://explain.openprovenance.org/creditscoring/>
  prefix uuid <urn:uuid:>
  prefix pl <http://openprovenance.org/ns/plead#>
  prefix cs <http://openprovenance.org/ns/creditscoring#>
  prefix csd <https://explain.openprovenance.org/creditscoring/ns#>
  
  wasGeneratedBy(app:decisions/1006, uuid:5e363792-55af-4f15-b116-937b90a34717, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:5e363792-55af-4f15-b116-937b90a34717, 2026-05-25T21:06:32.585000+01:00, 2026-05-31T18:12:45.583000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:5e363792-55af-4f15-b116-937b90a34717, app:the_bank, -)
  wasDerivedFrom(app:decisions/1006, app:applications/434, -, -, -)
  wasAttributedTo(app:decisions/1006, app:the_bank)
  used(uuid:5e363792-55af-4f15-b116-937b90a34717, app:applications/434, -)
  entity(app:applications/434)
  entity(app:decisions/1006, [pl:created_at="2026-05-31T18:12:45.583377" %% xsd:dateTime, cs:result='cs:rejected', prov:type='pl:RejectionDecision', prov:type='pl:Decision', prov:type='pl:AutomatedDecision', prov:type='cs:CreditDecision', pl:reason='cs:low_credit_score'])
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1006, uuid:844372ea-714b-482d-8f62-4427880422b7, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:844372ea-714b-482d-8f62-4427880422b7)
  activity(uuid:844372ea-714b-482d-8f62-4427880422b7, 2026-05-25T21:06:32.585000+01:00, 2026-05-31T18:12:45.583000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1006, app:records/3375, -, -, -)
  wasDerivedFrom(app:recommendations/1006, app:records/3385, -, -, -)
  wasDerivedFrom(app:recommendations/1006, app:records/3377, -, -, -)
  wasDerivedFrom(app:recommendations/1006, app:applications/434, -, -, -)
  wasDerivedFrom(app:recommendations/1006, app:creditreports/1006, -, -, -)
  wasDerivedFrom(app:recommendations/1006, app:records/3384, -, -, -)
  wasDerivedFrom(app:recommendations/1006, app:records/3376, -, -, -)
  wasAssociatedWith(uuid:844372ea-714b-482d-8f62-4427880422b7, app:machines/one, app:models/creditcard_assessment)
  used(uuid:844372ea-714b-482d-8f62-4427880422b7, app:records/3376, -)
  used(uuid:844372ea-714b-482d-8f62-4427880422b7, app:applications/434, -)
  used(uuid:844372ea-714b-482d-8f62-4427880422b7, app:records/3377, -)
  used(uuid:844372ea-714b-482d-8f62-4427880422b7, app:records/3375, -)
  used(uuid:844372ea-714b-482d-8f62-4427880422b7, app:records/3384, -)
  used(uuid:844372ea-714b-482d-8f62-4427880422b7, app:creditreports/1006, -)
  used(uuid:844372ea-714b-482d-8f62-4427880422b7, app:records/3385, -)
  wasAttributedTo(app:recommendations/1006, app:machines/one)
  entity(app:records/3375)
  entity(app:recommendations/1006, [pl:created_at="2026-05-31T18:12:45.583377" %% xsd:dateTime, prov:type='pl:AutomatedRecommendation', prov:type='cs:AutomatedRecommendation', cs:credit_score_threshold=739, pl:reason='cs:low_credit_score', cs:recommendation='cs:rejected'])
  entity(app:records/3376)
  entity(app:records/3377)
  entity(app:models/creditcard_assessment)
  entity(app:applications/434)
  entity(app:records/3384)
  entity(app:records/3385)
  entity(app:creditreports/1006)
  wasDerivedFrom(app:decisions/1006, app:recommendations/1006, -, -, -)
  entity(app:recommendations/1006)
  entity(app:decisions/1006)
  agent(app:applicants/434, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Georgia Lee"])
  wasAttributedTo(app:applications/434, app:applicants/434)
  entity(app:applications/434, [cs:attr_annual_income=99000, pl:created_at="2026-05-25T21:06:32.585639" %% xsd:dateTime, cs:attr_prev_address="Flat 6, Adrian field, Shawside, M8 3NP", cs:attr_address="Flat 62S, Wilkinson estates, Clarkechester, CR8 8JX", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1993-04-23" %% xsd:date, cs:attr_emp_title="Child psychotherapist", cs:attr_home_ownership=4, cs:attr_phone_number="(0191)4960687", cs:attr_email_address="taylorjanet@example.org", cs:attr_applicant_name="Georgia Lee", cs:attr_emp_length=2])
  wasDerivedFrom(app:applications/434/id, app:applications/434, -, -, -)
  entity(app:applications/434)
  entity(app:applications/434/id, [cs:attr_prev_address="Flat 6, Adrian field, Shawside, M8 3NP", cs:attr_address="Flat 62S, Wilkinson estates, Clarkechester, CR8 8JX", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1993-04-23" %% xsd:date, cs:attr_applicant_name="Georgia Lee"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1006, uuid:ab8d6d8c-e7b4-4384-8d1c-c6692a1365db, -)
  activity(uuid:ab8d6d8c-e7b4-4384-8d1c-c6692a1365db, 2026-05-31T18:12:45.577000+01:00, 2026-05-31T18:12:45.577000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1006, app:applications/434/id, -, -, -)
  wasAssociatedWith(uuid:ab8d6d8c-e7b4-4384-8d1c-c6692a1365db, app:providers/1, -)
  wasAttributedTo(app:creditreports/1006, app:providers/1)
  used(uuid:ab8d6d8c-e7b4-4384-8d1c-c6692a1365db, app:applications/434/id, -)
  entity(app:creditreports/1006, [pl:created_at="2026-05-31T18:12:45.577043" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=226])
  entity(app:applications/434/id)
  wasDerivedFrom(app:creditreports/1006, app:records/3374, -, -, -)
  wasDerivedFrom(app:creditreports/1006, app:records/3384, -, -, -)
  wasDerivedFrom(app:creditreports/1006, app:records/3385, -, -, -)
  wasDerivedFrom(app:creditreports/1006, app:records/3373, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3373, app:providers/2)
  entity(app:records/3373, [pl:created_at="2026-05-25T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 62S, Wilkinson estates, Clarkechester, CR8 8JX", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-02-02" %% xsd:date])
  agent(app:providers/10, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="BT"])
  wasAttributedTo(app:records/3374, app:providers/10)
  entity(app:records/3374, [pl:created_at="2026-05-30T18:51:42.780499" %% xsd:dateTime, cs:attr_prev_address="Flat 6, Adrian field, Shawside, M8 3NP", cs:attr_first_confirmed="2026-05-03" %% xsd:date, cs:attr_address="Flat 62S, Wilkinson estates, Clarkechester, CR8 8JX", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-09-30" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3384, app:providers/14)
  entity(app:records/3384, [pl:created_at="2026-05-31T18:12:45.581560" %% xsd:dateTime, cs:attr_payment_amount="44.71" %% xsd:float, cs:attr_month="Dec-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="583.07" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3385, app:providers/14)
  entity(app:records/3385, [pl:created_at="2026-05-31T18:12:45.582455" %% xsd:dateTime, cs:attr_payment_amount="41.15" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="583.07" %% xsd:float])
endDocument