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/1008, uuid:d214f859-cb95-4159-b5ff-825f824027f3, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:d214f859-cb95-4159-b5ff-825f824027f3, 2026-05-29T06:42:39.451000+01:00, 2026-05-31T18:59:37.052000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1008, app:applications/436, -, -, -)
  wasAssociatedWith(uuid:d214f859-cb95-4159-b5ff-825f824027f3, app:the_bank, -)
  used(uuid:d214f859-cb95-4159-b5ff-825f824027f3, app:applications/436, -)
  wasAttributedTo(app:decisions/1008, app:the_bank)
  entity(app:applications/436)
  entity(app:decisions/1008, [pl:created_at="2026-05-31T18:59:37.052686" %% 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/1008, uuid:354da128-f41f-44be-a881-79b12e85b12e, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:354da128-f41f-44be-a881-79b12e85b12e)
  activity(uuid:354da128-f41f-44be-a881-79b12e85b12e, 2026-05-29T06:42:39.451000+01:00, 2026-05-31T18:59:37.052000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1008, app:creditreports/1008, -, -, -)
  wasDerivedFrom(app:recommendations/1008, app:records/3393, -, -, -)
  wasDerivedFrom(app:recommendations/1008, app:records/3394, -, -, -)
  wasDerivedFrom(app:recommendations/1008, app:applications/436, -, -, -)
  wasDerivedFrom(app:recommendations/1008, app:records/3395, -, -, -)
  wasAssociatedWith(uuid:354da128-f41f-44be-a881-79b12e85b12e, app:machines/one, app:models/creditcard_assessment)
  used(uuid:354da128-f41f-44be-a881-79b12e85b12e, app:records/3393, -)
  used(uuid:354da128-f41f-44be-a881-79b12e85b12e, app:creditreports/1008, -)
  used(uuid:354da128-f41f-44be-a881-79b12e85b12e, app:records/3395, -)
  used(uuid:354da128-f41f-44be-a881-79b12e85b12e, app:applications/436, -)
  used(uuid:354da128-f41f-44be-a881-79b12e85b12e, app:records/3394, -)
  wasAttributedTo(app:recommendations/1008, app:machines/one)
  entity(app:models/creditcard_assessment)
  entity(app:records/3393)
  entity(app:applications/436)
  entity(app:records/3394)
  entity(app:recommendations/1008, [pl:created_at="2026-05-31T18:59:37.052686" %% 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/3395)
  entity(app:creditreports/1008)
  wasDerivedFrom(app:decisions/1008, app:recommendations/1008, -, -, -)
  entity(app:decisions/1008)
  entity(app:recommendations/1008)
  agent(app:applicants/436, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Antony Thomson"])
  wasAttributedTo(app:applications/436, app:applicants/436)
  entity(app:applications/436, [cs:attr_annual_income=104000, pl:created_at="2026-05-29T06:42:39.451984" %% xsd:dateTime, cs:attr_prev_address="52 Patel burg, Lake Phillip, S1W 6RG", cs:attr_address="Flat 7, Smith light, Joanneport, EX4N 9UH", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1994-04-17" %% xsd:date, cs:attr_emp_title="Nurse, mental health", cs:attr_home_ownership=4, cs:attr_phone_number="(0115) 4960624", cs:attr_email_address="qbarnes@example.org", cs:attr_applicant_name="Antony Thomson", cs:attr_emp_length=2])
  wasDerivedFrom(app:applications/436/id, app:applications/436, -, -, -)
  entity(app:applications/436/id, [cs:attr_prev_address="52 Patel burg, Lake Phillip, S1W 6RG", cs:attr_address="Flat 7, Smith light, Joanneport, EX4N 9UH", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1994-04-17" %% xsd:date, cs:attr_applicant_name="Antony Thomson"])
  entity(app:applications/436)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1008, uuid:afa07b18-b704-43b3-b4c5-311d9f0d2157, -)
  activity(uuid:afa07b18-b704-43b3-b4c5-311d9f0d2157, 2026-05-31T18:59:37.043000+01:00, 2026-05-31T18:59:37.043000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:afa07b18-b704-43b3-b4c5-311d9f0d2157, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1008, app:applications/436/id, -, -, -)
  used(uuid:afa07b18-b704-43b3-b4c5-311d9f0d2157, app:applications/436/id, -)
  wasAttributedTo(app:creditreports/1008, app:providers/1)
  entity(app:applications/436/id)
  entity(app:creditreports/1008, [pl:created_at="2026-05-31T18:59:37.043731" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=280])
  wasDerivedFrom(app:creditreports/1008, app:records/3391, -, -, -)
  wasDerivedFrom(app:creditreports/1008, app:records/3392, -, -, -)
  wasDerivedFrom(app:creditreports/1008, app:records/3393, -, -, -)
  wasDerivedFrom(app:creditreports/1008, app:records/3394, -, -, -)
  wasDerivedFrom(app:creditreports/1008, app:records/3395, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3391, app:providers/2)
  entity(app:records/3391, [pl:created_at="2026-05-25T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 7, Smith light, Joanneport, EX4N 9UH", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-01-21" %% xsd:date])
  agent(app:providers/12, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="TalkTalk"])
  wasAttributedTo(app:records/3392, app:providers/12)
  entity(app:records/3392, [pl:created_at="2026-05-31T18:59:37.048964" %% xsd:dateTime, cs:attr_prev_address="52 Patel burg, Lake Phillip, S1W 6RG", cs:attr_first_confirmed="2026-05-18" %% xsd:date, cs:attr_address="Flat 7, Smith light, Joanneport, EX4N 9UH", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-09-28" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3393, app:providers/15)
  entity(app:records/3393, [pl:created_at="2026-05-31T18:59:37.050428" %% xsd:dateTime, cs:attr_payment_amount="50.58" %% xsd:float, cs:attr_month="Oct-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1028.1" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3394, app:providers/15)
  entity(app:records/3394, [pl:created_at="2026-05-31T18:59:37.051190" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1028.1" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3395, app:providers/15)
  entity(app:records/3395, [pl:created_at="2026-05-31T18:59:37.051795" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Aug-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1028.1" %% xsd:float])
endDocument