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/1067, uuid:99917408-ca03-4208-8505-3abe614d2ffd, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:99917408-ca03-4208-8505-3abe614d2ffd, 2026-06-13T11:35:02.927000+01:00, 2026-06-15T19:03:08.851000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:99917408-ca03-4208-8505-3abe614d2ffd, app:the_bank, -)
  wasDerivedFrom(app:decisions/1067, app:applications/446, -, -, -)
  used(uuid:99917408-ca03-4208-8505-3abe614d2ffd, app:applications/446, -)
  wasAttributedTo(app:decisions/1067, app:the_bank)
  entity(app:applications/446)
  entity(app:decisions/1067, [pl:created_at="2026-06-15T19:03:08.851905" %% 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/1067, uuid:fef03536-7871-495e-a2ca-e858d4e5064d, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:fef03536-7871-495e-a2ca-e858d4e5064d)
  activity(uuid:fef03536-7871-495e-a2ca-e858d4e5064d, 2026-06-13T11:35:02.927000+01:00, 2026-06-15T19:03:08.851000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasAssociatedWith(uuid:fef03536-7871-495e-a2ca-e858d4e5064d, app:machines/one, app:models/creditcard_assessment)
  wasDerivedFrom(app:recommendations/1067, app:applications/446, -, -, -)
  wasDerivedFrom(app:recommendations/1067, app:creditreports/1067, -, -, -)
  wasDerivedFrom(app:recommendations/1067, app:records/3566, -, -, -)
  wasAttributedTo(app:recommendations/1067, app:machines/one)
  used(uuid:fef03536-7871-495e-a2ca-e858d4e5064d, app:records/3566, -)
  used(uuid:fef03536-7871-495e-a2ca-e858d4e5064d, app:applications/446, -)
  used(uuid:fef03536-7871-495e-a2ca-e858d4e5064d, app:creditreports/1067, -)
  entity(app:applications/446)
  entity(app:models/creditcard_assessment)
  entity(app:creditreports/1067)
  entity(app:recommendations/1067, [pl:created_at="2026-06-15T19:03:08.851905" %% 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/3566)
  wasDerivedFrom(app:decisions/1067, app:recommendations/1067, -, -, -)
  entity(app:decisions/1067)
  entity(app:recommendations/1067)
  agent(app:applicants/446, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Patricia Taylor"])
  wasAttributedTo(app:applications/446, app:applicants/446)
  entity(app:applications/446, [cs:attr_annual_income=74000, pl:created_at="2026-06-13T11:35:02.927958" %% xsd:dateTime, cs:attr_prev_address="240 Jasmine centers, Mitchellton, IG9 4YR", cs:attr_address="667 Spencer path, West Brianmouth, L08 5ZF", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1966-12-04" %% xsd:date, cs:attr_emp_title="Therapist, horticultural", cs:attr_home_ownership=2, cs:attr_phone_number="(0115) 496 0397", cs:attr_email_address="chelseaharvey@example.org", cs:attr_applicant_name="Patricia Taylor", cs:attr_emp_length=14])
  wasDerivedFrom(app:applications/446/id, app:applications/446, -, -, -)
  entity(app:applications/446)
  entity(app:applications/446/id, [cs:attr_prev_address="240 Jasmine centers, Mitchellton, IG9 4YR", cs:attr_address="667 Spencer path, West Brianmouth, L08 5ZF", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1966-12-04" %% xsd:date, cs:attr_applicant_name="Patricia Taylor"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1067, uuid:79169d30-ca5c-4f23-810e-e54b6ae779be, -)
  activity(uuid:79169d30-ca5c-4f23-810e-e54b6ae779be, 2026-06-15T19:03:08.843000+01:00, 2026-06-15T19:03:08.843000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:79169d30-ca5c-4f23-810e-e54b6ae779be, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1067, app:applications/446/id, -, -, -)
  wasAttributedTo(app:creditreports/1067, app:providers/1)
  used(uuid:79169d30-ca5c-4f23-810e-e54b6ae779be, app:applications/446/id, -)
  entity(app:applications/446/id)
  entity(app:creditreports/1067, [pl:created_at="2026-06-15T19:03:08.843562" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=245])
  wasDerivedFrom(app:creditreports/1067, app:records/3565, -, -, -)
  wasDerivedFrom(app:creditreports/1067, app:records/3566, -, -, -)
  wasDerivedFrom(app:creditreports/1067, app:records/3564, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3564, app:providers/2)
  entity(app:records/3564, [pl:created_at="2026-05-25T00:00:00" %% xsd:dateTime, cs:attr_address="667 Spencer path, West Brianmouth, L08 5ZF", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-12-02" %% xsd:date])
  agent(app:providers/12, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="TalkTalk"])
  wasAttributedTo(app:records/3565, app:providers/12)
  entity(app:records/3565, [pl:created_at="2026-06-15T19:03:08.849097" %% xsd:dateTime, cs:attr_prev_address="240 Jasmine centers, Mitchellton, IG9 4YR", cs:attr_first_confirmed="2026-06-02" %% xsd:date, cs:attr_address="667 Spencer path, West Brianmouth, L08 5ZF", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-09-18" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3566, app:providers/15)
  entity(app:records/3566, [pl:created_at="2026-06-15T19:03:08.850565" %% xsd:dateTime, cs:attr_payment_amount="20.62" %% 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="2400.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1182.59" %% xsd:float])
endDocument