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/1163, uuid:84079630-baf2-4bd1-bf3a-d6b5b84c7605, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:84079630-baf2-4bd1-bf3a-d6b5b84c7605, 2026-07-09T03:41:44.755000+01:00, 2026-07-09T20:14:18.229000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:84079630-baf2-4bd1-bf3a-d6b5b84c7605, app:the_bank, -)
  wasDerivedFrom(app:decisions/1163, app:applications/476, -, -, -)
  wasAttributedTo(app:decisions/1163, app:the_bank)
  used(uuid:84079630-baf2-4bd1-bf3a-d6b5b84c7605, app:applications/476, -)
  entity(app:applications/476)
  entity(app:decisions/1163, [pl:created_at="2026-07-09T20:14:18.229283" %% 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/1163, uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2, -)
  activity(uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2, 2026-07-09T03:41:44.755000+01:00, 2026-07-09T20:14:18.229000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2)
  wasDerivedFrom(app:recommendations/1163, app:records/3869, -, -, -)
  wasDerivedFrom(app:recommendations/1163, app:creditreports/1163, -, -, -)
  wasDerivedFrom(app:recommendations/1163, app:applications/476, -, -, -)
  wasDerivedFrom(app:recommendations/1163, app:records/3871, -, -, -)
  wasDerivedFrom(app:recommendations/1163, app:records/3868, -, -, -)
  wasDerivedFrom(app:recommendations/1163, app:records/3870, -, -, -)
  wasAssociatedWith(uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2, app:machines/one, app:models/creditcard_assessment)
  used(uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2, app:records/3869, -)
  used(uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2, app:applications/476, -)
  used(uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2, app:records/3871, -)
  used(uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2, app:records/3870, -)
  used(uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2, app:creditreports/1163, -)
  used(uuid:54f4ac0b-a0e9-4471-9f9f-a2543642fad2, app:records/3868, -)
  wasAttributedTo(app:recommendations/1163, app:machines/one)
  entity(app:records/3871)
  entity(app:applications/476)
  entity(app:creditreports/1163)
  entity(app:records/3870)
  entity(app:models/creditcard_assessment)
  entity(app:records/3868)
  entity(app:recommendations/1163, [pl:created_at="2026-07-09T20:14:18.229283" %% 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/3869)
  wasDerivedFrom(app:decisions/1163, app:recommendations/1163, -, -, -)
  entity(app:decisions/1163)
  entity(app:recommendations/1163)
  agent(app:applicants/476, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Anne Green"])
  wasAttributedTo(app:applications/476, app:applicants/476)
  entity(app:applications/476, [cs:attr_annual_income=84000, pl:created_at="2026-07-09T03:41:44.755326" %% xsd:dateTime, cs:attr_prev_address="Flat 82, Debra extension, New Michelle, B1 6QB", cs:attr_address="670 Glover branch, Lake Shane, IM8R 5FH", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1951-05-13" %% xsd:date, cs:attr_emp_title="Purchasing manager", cs:attr_home_ownership=1, cs:attr_phone_number="+44(0)191 496 0605", cs:attr_email_address="iainwilliams@example.com", cs:attr_applicant_name="Anne Green", cs:attr_emp_length=19])
  wasDerivedFrom(app:applications/476/id, app:applications/476, -, -, -)
  entity(app:applications/476)
  entity(app:applications/476/id, [cs:attr_prev_address="Flat 82, Debra extension, New Michelle, B1 6QB", cs:attr_address="670 Glover branch, Lake Shane, IM8R 5FH", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1951-05-13" %% xsd:date, cs:attr_applicant_name="Anne Green"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1163, uuid:f52c3b06-5af4-4022-80ce-98ded53d48d3, -)
  activity(uuid:f52c3b06-5af4-4022-80ce-98ded53d48d3, 2026-07-09T20:14:18.218000+01:00, 2026-07-09T20:14:18.218000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1163, app:applications/476/id, -, -, -)
  wasAssociatedWith(uuid:f52c3b06-5af4-4022-80ce-98ded53d48d3, app:providers/1, -)
  used(uuid:f52c3b06-5af4-4022-80ce-98ded53d48d3, app:applications/476/id, -)
  wasAttributedTo(app:creditreports/1163, app:providers/1)
  entity(app:creditreports/1163, [pl:created_at="2026-07-09T20:14:18.218647" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=698])
  entity(app:applications/476/id)
  wasDerivedFrom(app:creditreports/1163, app:records/3867, -, -, -)
  wasDerivedFrom(app:creditreports/1163, app:records/3868, -, -, -)
  wasDerivedFrom(app:creditreports/1163, app:records/3870, -, -, -)
  wasDerivedFrom(app:creditreports/1163, app:records/3871, -, -, -)
  wasDerivedFrom(app:creditreports/1163, app:records/3869, -, -, -)
  wasDerivedFrom(app:creditreports/1163, app:records/3866, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3866, app:providers/2)
  entity(app:records/3866, [pl:created_at="2026-06-13T00:00:00" %% xsd:dateTime, cs:attr_address="670 Glover branch, Lake Shane, IM8R 5FH", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-09-16" %% xsd:date])
  agent(app:providers/8, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Virgin Media"])
  wasAttributedTo(app:records/3867, app:providers/8)
  entity(app:records/3867, [pl:created_at="2026-07-09T20:14:18.224439" %% xsd:dateTime, cs:attr_prev_address="Flat 82, Debra extension, New Michelle, B1 6QB", cs:attr_first_confirmed="2026-07-05" %% xsd:date, cs:attr_address="670 Glover branch, Lake Shane, IM8R 5FH", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-02-16" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3868, app:providers/14)
  entity(app:records/3868, [pl:created_at="2026-07-09T20:14:18.226307" %% 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="2600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1393.71" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3869, app:providers/14)
  entity(app:records/3869, [pl:created_at="2026-07-09T20:14:18.227128" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="May-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1393.71" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3870, app:providers/14)
  entity(app:records/3870, [pl:created_at="2026-07-09T20:14:18.227748" %% xsd:dateTime, cs:attr_payment_amount="134.68" %% xsd:float, cs:attr_month="Jun-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1393.71" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3871, app:providers/14)
  entity(app:records/3871, [pl:created_at="2026-07-09T20:14:18.228333" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="May-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1393.71" %% xsd:float])
endDocument