document
  prefix app <https://explain.openprovenance.org/creditscoring/>
  prefix pl <http://openprovenance.org/ns/plead#>
  prefix cs <http://openprovenance.org/ns/creditscoring#>
  prefix uuid <urn:uuid:>
  prefix csd <https://explain.openprovenance.org/creditscoring/ns#>
  
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  wasGeneratedBy(app:decisions/1009, uuid:0b5f4c71-ad72-4f27-9220-356bf7431a4e, -)
  activity(uuid:0b5f4c71-ad72-4f27-9220-356bf7431a4e, 2026-05-31T18:56:00.217000+01:00, 2026-05-31T18:59:47.049000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:0b5f4c71-ad72-4f27-9220-356bf7431a4e, app:the_bank, -)
  wasDerivedFrom(app:decisions/1009, app:applications/438, -, -, -)
  wasAttributedTo(app:decisions/1009, app:the_bank)
  used(uuid:0b5f4c71-ad72-4f27-9220-356bf7431a4e, app:applications/438, -)
  entity(app:decisions/1009, [pl:created_at="2026-05-31T18:59:47.049266" %% 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'])
  entity(app:applications/438)
  wasGeneratedBy(app:recommendations/1009, uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209, 2026-05-31T18:56:00.217000+01:00, 2026-05-31T18:59:47.049000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209)
  wasDerivedFrom(app:recommendations/1009, app:records/3401, -, -, -)
  wasDerivedFrom(app:recommendations/1009, app:creditreports/1009, -, -, -)
  wasDerivedFrom(app:recommendations/1009, app:records/3398, -, -, -)
  wasDerivedFrom(app:recommendations/1009, app:records/3400, -, -, -)
  wasDerivedFrom(app:recommendations/1009, app:applications/438, -, -, -)
  wasDerivedFrom(app:recommendations/1009, app:records/3399, -, -, -)
  wasAssociatedWith(uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209, app:machines/one, app:models/creditcard_assessment)
  used(uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209, app:records/3400, -)
  used(uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209, app:creditreports/1009, -)
  used(uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209, app:applications/438, -)
  used(uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209, app:records/3398, -)
  used(uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209, app:records/3401, -)
  used(uuid:e07fcc82-f1d3-4292-b315-c674d4b7c209, app:records/3399, -)
  wasAttributedTo(app:recommendations/1009, app:machines/one)
  entity(app:records/3398)
  entity(app:records/3399)
  entity(app:records/3400)
  entity(app:models/creditcard_assessment)
  entity(app:creditreports/1009)
  entity(app:recommendations/1009, [pl:created_at="2026-05-31T18:59:47.049266" %% 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:applications/438)
  entity(app:records/3401)
  wasDerivedFrom(app:decisions/1009, app:recommendations/1009, -, -, -)
  entity(app:decisions/1009)
  entity(app:recommendations/1009)
  agent(app:applicants/438, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Marcus Gibson-Leonard"])
  wasAttributedTo(app:applications/438, app:applicants/438)
  entity(app:applications/438, [cs:attr_annual_income=89000, pl:created_at="2026-05-31T18:56:00.217382" %% xsd:dateTime, cs:attr_prev_address="Studio 4, Bernard square, Barbaramouth, AL1M 4LS", cs:attr_address="20 Brennan fork, Farmerside, LD0A 9UU", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1969-05-02" %% xsd:date, cs:attr_emp_title="Editorial assistant", cs:attr_home_ownership=2, cs:attr_phone_number="+441914960095", cs:attr_email_address="janiceward@example.com", cs:attr_applicant_name="Marcus Gibson-Leonard", cs:attr_emp_length=10])
  wasDerivedFrom(app:applications/438/id, app:applications/438, -, -, -)
  entity(app:applications/438/id, [cs:attr_prev_address="Studio 4, Bernard square, Barbaramouth, AL1M 4LS", cs:attr_address="20 Brennan fork, Farmerside, LD0A 9UU", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1969-05-02" %% xsd:date, cs:attr_applicant_name="Marcus Gibson-Leonard"])
  entity(app:applications/438)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1009, uuid:70ea98fb-654e-445c-8ed1-6a28572e4926, -)
  activity(uuid:70ea98fb-654e-445c-8ed1-6a28572e4926, 2026-05-31T18:59:47.038000+01:00, 2026-05-31T18:59:47.038000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:70ea98fb-654e-445c-8ed1-6a28572e4926, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1009, app:applications/438/id, -, -, -)
  used(uuid:70ea98fb-654e-445c-8ed1-6a28572e4926, app:applications/438/id, -)
  wasAttributedTo(app:creditreports/1009, app:providers/1)
  entity(app:applications/438/id)
  entity(app:creditreports/1009, [pl:created_at="2026-05-31T18:59:47.038500" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=653])
  wasDerivedFrom(app:creditreports/1009, app:records/3396, -, -, -)
  wasDerivedFrom(app:creditreports/1009, app:records/3401, -, -, -)
  wasDerivedFrom(app:creditreports/1009, app:records/3397, -, -, -)
  wasDerivedFrom(app:creditreports/1009, app:records/3400, -, -, -)
  wasDerivedFrom(app:creditreports/1009, app:records/3398, -, -, -)
  wasDerivedFrom(app:creditreports/1009, app:records/3399, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3396, app:providers/2)
  entity(app:records/3396, [pl:created_at="2026-05-04T00:00:00" %% xsd:dateTime, cs:attr_address="20 Brennan fork, Farmerside, LD0A 9UU", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2026-02-06" %% xsd:date])
  agent(app:providers/9, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="GiffGaff"])
  wasAttributedTo(app:records/3397, app:providers/9)
  entity(app:records/3397, [pl:created_at="2026-05-31T18:59:47.044532" %% xsd:dateTime, cs:attr_prev_address="Studio 4, Bernard square, Barbaramouth, AL1M 4LS", cs:attr_first_confirmed="2026-05-22" %% xsd:date, cs:attr_address="20 Brennan fork, Farmerside, LD0A 9UU", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-12-28" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3398, app:providers/14)
  entity(app:records/3398, [pl:created_at="2026-05-31T18:59:47.046126" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Sep-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1252.01" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3399, app:providers/14)
  entity(app:records/3399, [pl:created_at="2026-05-31T18:59:47.046936" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Mar-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1252.01" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3400, app:providers/14)
  entity(app:records/3400, [pl:created_at="2026-05-31T18:59:47.047569" %% xsd:dateTime, cs:attr_payment_amount="51.4" %% 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="1700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1252.01" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3401, app:providers/14)
  entity(app:records/3401, [pl:created_at="2026-05-31T18:59:47.048283" %% xsd:dateTime, cs:attr_payment_amount="31.4" %% xsd:float, cs:attr_month="Apr-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1252.01" %% xsd:float])
endDocument