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/1157, uuid:cf47e323-5b60-449e-8681-ef91e1a598d1, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:cf47e323-5b60-449e-8681-ef91e1a598d1, 2026-07-06T23:59:57.240000+01:00, 2026-07-07T22:06:46.100000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:cf47e323-5b60-449e-8681-ef91e1a598d1, app:the_bank, -)
  wasDerivedFrom(app:decisions/1157, app:applications/474, -, -, -)
  used(uuid:cf47e323-5b60-449e-8681-ef91e1a598d1, app:applications/474, -)
  wasAttributedTo(app:decisions/1157, app:the_bank)
  entity(app:decisions/1157, [pl:created_at="2026-07-07T22:06:46.100916" %% 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/474)
  wasGeneratedBy(app:recommendations/1157, uuid:d2e52b3e-aff8-444e-86f1-407fbb31054c, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:d2e52b3e-aff8-444e-86f1-407fbb31054c)
  activity(uuid:d2e52b3e-aff8-444e-86f1-407fbb31054c, 2026-07-06T23:59:57.240000+01:00, 2026-07-07T22:06:46.100000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1157, app:applications/474, -, -, -)
  wasDerivedFrom(app:recommendations/1157, app:creditreports/1157, -, -, -)
  wasDerivedFrom(app:recommendations/1157, app:records/3843, -, -, -)
  wasAssociatedWith(uuid:d2e52b3e-aff8-444e-86f1-407fbb31054c, app:machines/one, app:models/creditcard_assessment)
  wasAttributedTo(app:recommendations/1157, app:machines/one)
  used(uuid:d2e52b3e-aff8-444e-86f1-407fbb31054c, app:records/3843, -)
  used(uuid:d2e52b3e-aff8-444e-86f1-407fbb31054c, app:creditreports/1157, -)
  used(uuid:d2e52b3e-aff8-444e-86f1-407fbb31054c, app:applications/474, -)
  entity(app:models/creditcard_assessment)
  entity(app:recommendations/1157, [pl:created_at="2026-07-07T22:06:46.100916" %% 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:creditreports/1157)
  entity(app:records/3843)
  entity(app:applications/474)
  wasDerivedFrom(app:decisions/1157, app:recommendations/1157, -, -, -)
  entity(app:recommendations/1157)
  entity(app:decisions/1157)
  agent(app:applicants/474, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Robert Webster-Burton"])
  wasAttributedTo(app:applications/474, app:applicants/474)
  entity(app:applications/474, [cs:attr_annual_income=31000, pl:created_at="2026-07-06T23:59:57.240044" %% xsd:dateTime, cs:attr_prev_address="07 Greenwood orchard, New Bethany, DG32 4DX", cs:attr_address="Flat 24, Toby key, Victoriamouth, PO48 1QF", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1999-07-27" %% xsd:date, cs:attr_emp_title="Medical laboratory scientific officer", cs:attr_home_ownership=1, cs:attr_phone_number="+44(0)306 999 0573", cs:attr_email_address="hicksannette@example.org", cs:attr_applicant_name="Robert Webster-Burton", cs:attr_emp_length=5])
  wasDerivedFrom(app:applications/474/id, app:applications/474, -, -, -)
  entity(app:applications/474/id, [cs:attr_prev_address="07 Greenwood orchard, New Bethany, DG32 4DX", cs:attr_address="Flat 24, Toby key, Victoriamouth, PO48 1QF", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1999-07-27" %% xsd:date, cs:attr_applicant_name="Robert Webster-Burton"])
  entity(app:applications/474)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1157, uuid:583aee5f-dd14-456b-a9ae-b7207fbac695, -)
  activity(uuid:583aee5f-dd14-456b-a9ae-b7207fbac695, 2026-07-07T22:06:46.093000+01:00, 2026-07-07T22:06:46.093000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1157, app:applications/474/id, -, -, -)
  wasAssociatedWith(uuid:583aee5f-dd14-456b-a9ae-b7207fbac695, app:providers/1, -)
  used(uuid:583aee5f-dd14-456b-a9ae-b7207fbac695, app:applications/474/id, -)
  wasAttributedTo(app:creditreports/1157, app:providers/1)
  entity(app:applications/474/id)
  entity(app:creditreports/1157, [pl:created_at="2026-07-07T22:06:46.093308" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=341])
  wasDerivedFrom(app:creditreports/1157, app:records/3842, -, -, -)
  wasDerivedFrom(app:creditreports/1157, app:records/3843, -, -, -)
  wasDerivedFrom(app:creditreports/1157, app:records/3841, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3841, app:providers/2)
  entity(app:records/3841, [pl:created_at="2026-07-02T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 24, Toby key, Victoriamouth, PO48 1QF", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-07-14" %% xsd:date])
  agent(app:providers/11, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Sky"])
  wasAttributedTo(app:records/3842, app:providers/11)
  entity(app:records/3842, [pl:created_at="2026-07-07T22:06:46.098431" %% xsd:dateTime, cs:attr_prev_address="07 Greenwood orchard, New Bethany, DG32 4DX", cs:attr_first_confirmed="2026-07-02" %% xsd:date, cs:attr_address="Flat 24, Toby key, Victoriamouth, PO48 1QF", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-08-13" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3843, app:providers/15)
  entity(app:records/3843, [pl:created_at="2026-07-07T22:06:46.099901" %% 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="1700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1051.02" %% xsd:float])
endDocument