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/1032, uuid:e72d4606-726a-4eba-9776-01462de61ca5, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:e72d4606-726a-4eba-9776-01462de61ca5, 2026-06-01T10:58:53.038000+01:00, 2026-06-06T15:28:39.100000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:e72d4606-726a-4eba-9776-01462de61ca5, app:the_bank, -)
  wasDerivedFrom(app:decisions/1032, app:applications/440, -, -, -)
  used(uuid:e72d4606-726a-4eba-9776-01462de61ca5, app:applications/440, -)
  wasAttributedTo(app:decisions/1032, app:the_bank)
  entity(app:decisions/1032, [pl:created_at="2026-06-06T15:28:39.100946" %% 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/440)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1032, uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed)
  activity(uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed, 2026-06-01T10:58:53.038000+01:00, 2026-06-06T15:28:39.100000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1032, app:records/3461, -, -, -)
  wasDerivedFrom(app:recommendations/1032, app:creditreports/1032, -, -, -)
  wasDerivedFrom(app:recommendations/1032, app:applications/440, -, -, -)
  wasDerivedFrom(app:recommendations/1032, app:records/3460, -, -, -)
  wasAssociatedWith(uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed, app:machines/one, app:models/creditcard_assessment)
  used(uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed, app:records/3461, -)
  used(uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed, app:creditreports/1032, -)
  used(uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed, app:records/3460, -)
  used(uuid:ece301ca-0ea2-460e-a5e2-761ee38ed5ed, app:applications/440, -)
  wasAttributedTo(app:recommendations/1032, app:machines/one)
  entity(app:models/creditcard_assessment)
  entity(app:records/3460)
  entity(app:records/3461)
  entity(app:applications/440)
  entity(app:creditreports/1032)
  entity(app:recommendations/1032, [pl:created_at="2026-06-06T15:28:39.100946" %% 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'])
  wasDerivedFrom(app:decisions/1032, app:recommendations/1032, -, -, -)
  entity(app:decisions/1032)
  entity(app:recommendations/1032)
  agent(app:applicants/440, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Alexandra West"])
  wasAttributedTo(app:applications/440, app:applicants/440)
  entity(app:applications/440, [cs:attr_annual_income=68000, pl:created_at="2026-06-01T10:58:53.038817" %% xsd:dateTime, cs:attr_prev_address="0 Osborne brooks, Cliffordfurt, W7 3UP", cs:attr_address="Flat 25G, Berry flats, Staceyside, M4G 9PT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1978-05-07" %% xsd:date, cs:attr_emp_title="Hospital pharmacist", cs:attr_home_ownership=4, cs:attr_phone_number="+44(0)113 4960271", cs:attr_email_address="charlenewilson@example.com", cs:attr_applicant_name="Alexandra West", cs:attr_emp_length=11])
  wasDerivedFrom(app:applications/440/id, app:applications/440, -, -, -)
  entity(app:applications/440/id, [cs:attr_prev_address="0 Osborne brooks, Cliffordfurt, W7 3UP", cs:attr_address="Flat 25G, Berry flats, Staceyside, M4G 9PT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1978-05-07" %% xsd:date, cs:attr_applicant_name="Alexandra West"])
  entity(app:applications/440)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1032, uuid:d753ef3d-143f-4e8f-af29-49440c6aeed7, -)
  activity(uuid:d753ef3d-143f-4e8f-af29-49440c6aeed7, 2026-06-06T15:28:39.091000+01:00, 2026-06-06T15:28:39.091000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1032, app:applications/440/id, -, -, -)
  wasAssociatedWith(uuid:d753ef3d-143f-4e8f-af29-49440c6aeed7, app:providers/1, -)
  used(uuid:d753ef3d-143f-4e8f-af29-49440c6aeed7, app:applications/440/id, -)
  wasAttributedTo(app:creditreports/1032, app:providers/1)
  entity(app:applications/440/id)
  entity(app:creditreports/1032, [pl:created_at="2026-06-06T15:28:39.091008" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=62])
  wasDerivedFrom(app:creditreports/1032, app:records/3459, -, -, -)
  wasDerivedFrom(app:creditreports/1032, app:records/3460, -, -, -)
  wasDerivedFrom(app:creditreports/1032, app:records/3461, -, -, -)
  wasDerivedFrom(app:creditreports/1032, app:records/3458, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3458, app:providers/2)
  entity(app:records/3458, [pl:created_at="2026-05-14T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 25G, Berry flats, Staceyside, M4G 9PT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-12-27" %% xsd:date])
  agent(app:providers/8, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Virgin Media"])
  wasAttributedTo(app:records/3459, app:providers/8)
  entity(app:records/3459, [pl:created_at="2026-06-06T15:28:39.097542" %% xsd:dateTime, cs:attr_prev_address="0 Osborne brooks, Cliffordfurt, W7 3UP", cs:attr_first_confirmed="2026-05-11" %% xsd:date, cs:attr_address="Flat 25G, Berry flats, Staceyside, M4G 9PT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-02-17" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3460, app:providers/15)
  entity(app:records/3460, [pl:created_at="2026-06-06T15:28:39.099176" %% xsd:dateTime, cs:attr_payment_amount="5.22" %% xsd:float, cs:attr_month="Mar-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="174.73" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3461, app:providers/15)
  entity(app:records/3461, [pl:created_at="2026-06-06T15:28:39.100009" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jun-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="174.73" %% xsd:float])
endDocument