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/1164, uuid:22d8b834-55fe-47c5-bd27-ee204413d1c7, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:22d8b834-55fe-47c5-bd27-ee204413d1c7, 2026-07-09T20:09:52.088000+01:00, 2026-07-09T20:15:13.231000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1164, app:applications/477, -, -, -)
  wasAssociatedWith(uuid:22d8b834-55fe-47c5-bd27-ee204413d1c7, app:the_bank, -)
  used(uuid:22d8b834-55fe-47c5-bd27-ee204413d1c7, app:applications/477, -)
  wasAttributedTo(app:decisions/1164, app:the_bank)
  entity(app:applications/477)
  entity(app:decisions/1164, [pl:created_at="2026-07-09T20:15:13.231031" %% 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'])
  wasGeneratedBy(app:recommendations/1164, uuid:e86c1601-944a-4d57-8152-6594590eb320, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:e86c1601-944a-4d57-8152-6594590eb320, 2026-07-09T20:09:52.088000+01:00, 2026-07-09T20:15:13.231000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:e86c1601-944a-4d57-8152-6594590eb320)
  wasDerivedFrom(app:recommendations/1164, app:records/3875, -, -, -)
  wasDerivedFrom(app:recommendations/1164, app:records/3874, -, -, -)
  wasDerivedFrom(app:recommendations/1164, app:applications/477, -, -, -)
  wasDerivedFrom(app:recommendations/1164, app:creditreports/1164, -, -, -)
  wasAssociatedWith(uuid:e86c1601-944a-4d57-8152-6594590eb320, app:machines/one, app:models/creditcard_assessment)
  used(uuid:e86c1601-944a-4d57-8152-6594590eb320, app:applications/477, -)
  used(uuid:e86c1601-944a-4d57-8152-6594590eb320, app:records/3875, -)
  used(uuid:e86c1601-944a-4d57-8152-6594590eb320, app:creditreports/1164, -)
  used(uuid:e86c1601-944a-4d57-8152-6594590eb320, app:records/3874, -)
  wasAttributedTo(app:recommendations/1164, app:machines/one)
  entity(app:applications/477)
  entity(app:models/creditcard_assessment)
  entity(app:records/3875)
  entity(app:records/3874)
  entity(app:creditreports/1164)
  entity(app:recommendations/1164, [pl:created_at="2026-07-09T20:15:13.231031" %% 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'])
  wasDerivedFrom(app:decisions/1164, app:recommendations/1164, -, -, -)
  entity(app:decisions/1164)
  entity(app:recommendations/1164)
  agent(app:applicants/477, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Paige Hardy-Evans"])
  wasAttributedTo(app:applications/477, app:applicants/477)
  entity(app:applications/477, [cs:attr_annual_income=93000, pl:created_at="2026-07-09T20:09:52.088428" %% xsd:dateTime, cs:attr_prev_address="9 Sophie mews, Gailborough, N5 4RH", cs:attr_address="4 Caroline meadow, Jayneberg, M7 2PU", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1972-07-24" %% xsd:date, cs:attr_emp_title="Designer, graphic", cs:attr_home_ownership=4, cs:attr_phone_number="+4420 74960237", cs:attr_email_address="richardforster@example.com", cs:attr_applicant_name="Paige Hardy-Evans", cs:attr_emp_length=19])
  wasDerivedFrom(app:applications/477/id, app:applications/477, -, -, -)
  entity(app:applications/477)
  entity(app:applications/477/id, [cs:attr_prev_address="9 Sophie mews, Gailborough, N5 4RH", cs:attr_address="4 Caroline meadow, Jayneberg, M7 2PU", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1972-07-24" %% xsd:date, cs:attr_applicant_name="Paige Hardy-Evans"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1164, uuid:cb59f0fc-f8a0-47ef-b702-cb7684ed1d9e, -)
  activity(uuid:cb59f0fc-f8a0-47ef-b702-cb7684ed1d9e, 2026-07-09T20:15:13.221000+01:00, 2026-07-09T20:15:13.221000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1164, app:applications/477/id, -, -, -)
  wasAssociatedWith(uuid:cb59f0fc-f8a0-47ef-b702-cb7684ed1d9e, app:providers/1, -)
  wasAttributedTo(app:creditreports/1164, app:providers/1)
  used(uuid:cb59f0fc-f8a0-47ef-b702-cb7684ed1d9e, app:applications/477/id, -)
  entity(app:applications/477/id)
  entity(app:creditreports/1164, [pl:created_at="2026-07-09T20:15:13.221835" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=502])
  wasDerivedFrom(app:creditreports/1164, app:records/3873, -, -, -)
  wasDerivedFrom(app:creditreports/1164, app:records/3874, -, -, -)
  wasDerivedFrom(app:creditreports/1164, app:records/3875, -, -, -)
  wasDerivedFrom(app:creditreports/1164, app:records/3872, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3872, app:providers/2)
  entity(app:records/3872, [pl:created_at="2026-06-15T00:00:00" %% xsd:dateTime, cs:attr_address="4 Caroline meadow, Jayneberg, M7 2PU", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-04-18" %% xsd:date])
  agent(app:providers/3, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="EE"])
  wasAttributedTo(app:records/3873, app:providers/3)
  entity(app:records/3873, [pl:created_at="2026-07-09T20:15:13.227462" %% xsd:dateTime, cs:attr_prev_address="9 Sophie mews, Gailborough, N5 4RH", cs:attr_first_confirmed="2026-06-18" %% xsd:date, cs:attr_address="4 Caroline meadow, Jayneberg, M7 2PU", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-11-21" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3874, app:providers/14)
  entity(app:records/3874, [pl:created_at="2026-07-09T20:15:13.229317" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Oct-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="2187.15" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3875, app:providers/14)
  entity(app:records/3875, [pl:created_at="2026-07-09T20:15:13.230105" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Dec-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="2187.15" %% xsd:float])
endDocument