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/1162, uuid:eee32c2a-dba7-4137-ac1c-f121e55de1f8, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:eee32c2a-dba7-4137-ac1c-f121e55de1f8, 2026-07-07T22:05:26.111000+01:00, 2026-07-09T20:13:58.290000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1162, app:applications/475, -, -, -)
  wasAssociatedWith(uuid:eee32c2a-dba7-4137-ac1c-f121e55de1f8, app:the_bank, -)
  used(uuid:eee32c2a-dba7-4137-ac1c-f121e55de1f8, app:applications/475, -)
  wasAttributedTo(app:decisions/1162, app:the_bank)
  entity(app:decisions/1162, [pl:created_at="2026-07-09T20:13:58.290911" %% 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/475)
  wasGeneratedBy(app:recommendations/1162, uuid:43ba5203-4850-4ccc-877c-3c915bdf7807, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:43ba5203-4850-4ccc-877c-3c915bdf7807, 2026-07-07T22:05:26.111000+01:00, 2026-07-09T20:13:58.290000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:43ba5203-4850-4ccc-877c-3c915bdf7807)
  wasAssociatedWith(uuid:43ba5203-4850-4ccc-877c-3c915bdf7807, app:machines/one, app:models/creditcard_assessment)
  wasDerivedFrom(app:recommendations/1162, app:records/3865, -, -, -)
  wasDerivedFrom(app:recommendations/1162, app:applications/475, -, -, -)
  wasDerivedFrom(app:recommendations/1162, app:creditreports/1162, -, -, -)
  wasDerivedFrom(app:recommendations/1162, app:records/3864, -, -, -)
  wasDerivedFrom(app:recommendations/1162, app:records/3863, -, -, -)
  used(uuid:43ba5203-4850-4ccc-877c-3c915bdf7807, app:records/3865, -)
  used(uuid:43ba5203-4850-4ccc-877c-3c915bdf7807, app:applications/475, -)
  used(uuid:43ba5203-4850-4ccc-877c-3c915bdf7807, app:records/3864, -)
  used(uuid:43ba5203-4850-4ccc-877c-3c915bdf7807, app:records/3863, -)
  used(uuid:43ba5203-4850-4ccc-877c-3c915bdf7807, app:creditreports/1162, -)
  wasAttributedTo(app:recommendations/1162, app:machines/one)
  entity(app:creditreports/1162)
  entity(app:models/creditcard_assessment)
  entity(app:recommendations/1162, [pl:created_at="2026-07-09T20:13:58.290911" %% 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/3864)
  entity(app:records/3863)
  entity(app:applications/475)
  entity(app:records/3865)
  wasDerivedFrom(app:decisions/1162, app:recommendations/1162, -, -, -)
  entity(app:decisions/1162)
  entity(app:recommendations/1162)
  agent(app:applicants/475, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Rosie Bennett"])
  wasAttributedTo(app:applications/475, app:applicants/475)
  entity(app:applications/475, [cs:attr_annual_income=51000, pl:created_at="2026-07-07T22:05:26.111996" %% xsd:dateTime, cs:attr_prev_address="Studio 78k, Elizabeth loop, Kateshire, N09 6QR", cs:attr_address="Flat 41, Smith crest, New Ashleighton, M1 0RT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1975-06-27" %% xsd:date, cs:attr_emp_title="Prison officer", cs:attr_home_ownership=3, cs:attr_phone_number="0289018950", cs:attr_email_address="carly97@example.com", cs:attr_applicant_name="Rosie Bennett", cs:attr_emp_length=31])
  wasDerivedFrom(app:applications/475/id, app:applications/475, -, -, -)
  entity(app:applications/475/id, [cs:attr_prev_address="Studio 78k, Elizabeth loop, Kateshire, N09 6QR", cs:attr_address="Flat 41, Smith crest, New Ashleighton, M1 0RT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1975-06-27" %% xsd:date, cs:attr_applicant_name="Rosie Bennett"])
  entity(app:applications/475)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1162, uuid:86be84b9-6111-4542-a552-50aa189aab31, -)
  activity(uuid:86be84b9-6111-4542-a552-50aa189aab31, 2026-07-09T20:13:58.280000+01:00, 2026-07-09T20:13:58.280000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1162, app:applications/475/id, -, -, -)
  wasAssociatedWith(uuid:86be84b9-6111-4542-a552-50aa189aab31, app:providers/1, -)
  used(uuid:86be84b9-6111-4542-a552-50aa189aab31, app:applications/475/id, -)
  wasAttributedTo(app:creditreports/1162, app:providers/1)
  entity(app:creditreports/1162, [pl:created_at="2026-07-09T20:13:58.280521" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=547])
  entity(app:applications/475/id)
  wasDerivedFrom(app:creditreports/1162, app:records/3865, -, -, -)
  wasDerivedFrom(app:creditreports/1162, app:records/3864, -, -, -)
  wasDerivedFrom(app:creditreports/1162, app:records/3863, -, -, -)
  wasDerivedFrom(app:creditreports/1162, app:records/3862, -, -, -)
  wasDerivedFrom(app:creditreports/1162, app:records/3861, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3861, app:providers/2)
  entity(app:records/3861, [pl:created_at="2026-07-04T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 41, Smith crest, New Ashleighton, M1 0RT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-02-15" %% xsd:date])
  agent(app:providers/6, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Three"])
  wasAttributedTo(app:records/3862, app:providers/6)
  entity(app:records/3862, [pl:created_at="2026-07-09T20:13:58.287013" %% xsd:dateTime, cs:attr_prev_address="Studio 78k, Elizabeth loop, Kateshire, N09 6QR", cs:attr_first_confirmed="2026-06-23" %% xsd:date, cs:attr_address="Flat 41, Smith crest, New Ashleighton, M1 0RT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-08-12" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3863, app:providers/15)
  entity(app:records/3863, [pl:created_at="2026-07-09T20:13:58.288568" %% xsd:dateTime, cs:attr_payment_amount="158.98" %% xsd:float, cs:attr_month="Jan-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="2198.77" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3864, app:providers/15)
  entity(app:records/3864, [pl:created_at="2026-07-09T20:13:58.289337" %% 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="2700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="2198.77" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3865, app:providers/15)
  entity(app:records/3865, [pl:created_at="2026-07-09T20:13:58.289991" %% 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="2700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="2198.77" %% xsd:float])
endDocument