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/1044, uuid:fceeaf18-583b-4cda-8dbe-deb05ff228a5, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:fceeaf18-583b-4cda-8dbe-deb05ff228a5, 2026-06-08T10:03:46.805000+01:00, 2026-06-11T19:10:12.482000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1044, app:applications/442, -, -, -)
  wasAssociatedWith(uuid:fceeaf18-583b-4cda-8dbe-deb05ff228a5, app:the_bank, -)
  wasAttributedTo(app:decisions/1044, app:the_bank)
  used(uuid:fceeaf18-583b-4cda-8dbe-deb05ff228a5, app:applications/442, -)
  entity(app:decisions/1044, [pl:created_at="2026-06-11T19:10:12.482998" %% 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/442)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1044, uuid:03faa153-9167-4096-911b-d372084adf94, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:03faa153-9167-4096-911b-d372084adf94)
  activity(uuid:03faa153-9167-4096-911b-d372084adf94, 2026-06-08T10:03:46.805000+01:00, 2026-06-11T19:10:12.482000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1044, app:creditreports/1044, -, -, -)
  wasDerivedFrom(app:recommendations/1044, app:records/3496, -, -, -)
  wasDerivedFrom(app:recommendations/1044, app:records/3495, -, -, -)
  wasDerivedFrom(app:recommendations/1044, app:applications/442, -, -, -)
  wasAssociatedWith(uuid:03faa153-9167-4096-911b-d372084adf94, app:machines/one, app:models/creditcard_assessment)
  used(uuid:03faa153-9167-4096-911b-d372084adf94, app:records/3495, -)
  used(uuid:03faa153-9167-4096-911b-d372084adf94, app:creditreports/1044, -)
  used(uuid:03faa153-9167-4096-911b-d372084adf94, app:records/3496, -)
  used(uuid:03faa153-9167-4096-911b-d372084adf94, app:applications/442, -)
  wasAttributedTo(app:recommendations/1044, app:machines/one)
  entity(app:records/3496)
  entity(app:models/creditcard_assessment)
  entity(app:records/3495)
  entity(app:recommendations/1044, [pl:created_at="2026-06-11T19:10:12.482998" %% 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/442)
  entity(app:creditreports/1044)
  wasDerivedFrom(app:decisions/1044, app:recommendations/1044, -, -, -)
  entity(app:decisions/1044)
  entity(app:recommendations/1044)
  agent(app:applicants/442, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Josh Smith"])
  wasAttributedTo(app:applications/442, app:applicants/442)
  entity(app:applications/442, [cs:attr_annual_income=81000, pl:created_at="2026-06-08T10:03:46.805769" %% xsd:dateTime, cs:attr_prev_address="556 Phillip mission, South Sylviaville, B97 1UQ", cs:attr_address="Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="2003-10-02" %% xsd:date, cs:attr_emp_title="Production assistant, radio", cs:attr_home_ownership=1, cs:attr_phone_number="(029)2018403", cs:attr_email_address="claire08@example.com", cs:attr_applicant_name="Josh Smith", cs:attr_emp_length=1])
  wasDerivedFrom(app:applications/442/id, app:applications/442, -, -, -)
  entity(app:applications/442/id, [cs:attr_prev_address="556 Phillip mission, South Sylviaville, B97 1UQ", cs:attr_address="Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="2003-10-02" %% xsd:date, cs:attr_applicant_name="Josh Smith"])
  entity(app:applications/442)
  wasGeneratedBy(app:creditreports/1044, uuid:68a0b974-1295-4774-939a-13588ede9fc0, -)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  activity(uuid:68a0b974-1295-4774-939a-13588ede9fc0, 2026-06-11T19:10:12.468000+01:00, 2026-06-11T19:10:12.468000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:68a0b974-1295-4774-939a-13588ede9fc0, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1044, app:applications/442/id, -, -, -)
  used(uuid:68a0b974-1295-4774-939a-13588ede9fc0, app:applications/442/id, -)
  wasAttributedTo(app:creditreports/1044, app:providers/1)
  entity(app:applications/442/id)
  entity(app:creditreports/1044, [pl:created_at="2026-06-11T19:10:12.468158" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=231])
  wasDerivedFrom(app:creditreports/1044, app:records/3494, -, -, -)
  wasDerivedFrom(app:creditreports/1044, app:records/3495, -, -, -)
  wasDerivedFrom(app:creditreports/1044, app:records/3496, -, -, -)
  wasDerivedFrom(app:creditreports/1044, app:records/3493, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3493, app:providers/2)
  entity(app:records/3493, [pl:created_at="2026-06-04T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-01-26" %% xsd:date])
  agent(app:providers/3, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="EE"])
  wasAttributedTo(app:records/3494, app:providers/3)
  entity(app:records/3494, [pl:created_at="2026-06-11T19:10:12.477281" %% xsd:dateTime, cs:attr_prev_address="556 Phillip mission, South Sylviaville, B97 1UQ", cs:attr_first_confirmed="2026-05-18" %% xsd:date, cs:attr_address="Flat 44b, Hussain mount, Lake Thomasborough, IG85 7BS", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-10-27" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3495, app:providers/14)
  entity(app:records/3495, [pl:created_at="2026-06-11T19:10:12.480201" %% xsd:dateTime, cs:attr_payment_amount="23.48" %% 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="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="349.11" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3496, app:providers/14)
  entity(app:records/3496, [pl:created_at="2026-06-11T19:10:12.481426" %% xsd:dateTime, cs:attr_payment_amount="16.41" %% 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="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="349.11" %% xsd:float])
endDocument