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/1291, uuid:871723da-5263-4535-b458-836103796ccc, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:871723da-5263-4535-b458-836103796ccc, 2026-07-31T09:01:10.915000+01:00, 2026-07-31T14:24:47.322000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:871723da-5263-4535-b458-836103796ccc, app:the_bank, -)
  wasDerivedFrom(app:decisions/1291, app:applications/507, -, -, -)
  wasAttributedTo(app:decisions/1291, app:the_bank)
  used(uuid:871723da-5263-4535-b458-836103796ccc, app:applications/507, -)
  entity(app:decisions/1291, [pl:created_at="2026-07-31T14:24:47.322805" %% 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/507)
  wasGeneratedBy(app:recommendations/1291, uuid:5e70cdb8-9461-4912-a0ca-b270b1562a8e, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:5e70cdb8-9461-4912-a0ca-b270b1562a8e)
  activity(uuid:5e70cdb8-9461-4912-a0ca-b270b1562a8e, 2026-07-31T09:01:10.915000+01:00, 2026-07-31T14:24:47.322000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1291, app:creditreports/1291, -, -, -)
  wasDerivedFrom(app:recommendations/1291, app:records/4233, -, -, -)
  wasDerivedFrom(app:recommendations/1291, app:applications/507, -, -, -)
  wasAssociatedWith(uuid:5e70cdb8-9461-4912-a0ca-b270b1562a8e, app:machines/one, app:models/creditcard_assessment)
  wasAttributedTo(app:recommendations/1291, app:machines/one)
  used(uuid:5e70cdb8-9461-4912-a0ca-b270b1562a8e, app:applications/507, -)
  used(uuid:5e70cdb8-9461-4912-a0ca-b270b1562a8e, app:records/4233, -)
  used(uuid:5e70cdb8-9461-4912-a0ca-b270b1562a8e, app:creditreports/1291, -)
  entity(app:records/4233)
  entity(app:models/creditcard_assessment)
  entity(app:recommendations/1291, [pl:created_at="2026-07-31T14:24:47.322805" %% 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/1291)
  entity(app:applications/507)
  wasDerivedFrom(app:decisions/1291, app:recommendations/1291, -, -, -)
  entity(app:recommendations/1291)
  entity(app:decisions/1291)
  agent(app:applicants/507, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Katy West-Farmer"])
  wasAttributedTo(app:applications/507, app:applicants/507)
  entity(app:applications/507, [cs:attr_annual_income=27000, pl:created_at="2026-07-31T09:01:10.915387" %% xsd:dateTime, cs:attr_prev_address="502 Ashley turnpike, Lake Suzanneshire, OX9 4EJ", cs:attr_address="Studio 21l, Clarke fall, Websterstad, L69 7PP", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1993-09-16" %% xsd:date, cs:attr_emp_title="Seismic interpreter", cs:attr_home_ownership=1, cs:attr_phone_number="0306 999 0392", cs:attr_email_address="xedwards@example.com", cs:attr_applicant_name="Katy West-Farmer", cs:attr_emp_length=2])
  wasDerivedFrom(app:applications/507/id, app:applications/507, -, -, -)
  entity(app:applications/507)
  entity(app:applications/507/id, [cs:attr_prev_address="502 Ashley turnpike, Lake Suzanneshire, OX9 4EJ", cs:attr_address="Studio 21l, Clarke fall, Websterstad, L69 7PP", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1993-09-16" %% xsd:date, cs:attr_applicant_name="Katy West-Farmer"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1291, uuid:fb7c02f9-c2bc-4240-8d5b-77610d6fe182, -)
  activity(uuid:fb7c02f9-c2bc-4240-8d5b-77610d6fe182, 2026-07-31T14:24:47.314000+01:00, 2026-07-31T14:24:47.314000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:fb7c02f9-c2bc-4240-8d5b-77610d6fe182, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1291, app:applications/507/id, -, -, -)
  wasAttributedTo(app:creditreports/1291, app:providers/1)
  used(uuid:fb7c02f9-c2bc-4240-8d5b-77610d6fe182, app:applications/507/id, -)
  entity(app:creditreports/1291, [pl:created_at="2026-07-31T14:24:47.314368" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=463])
  entity(app:applications/507/id)
  wasDerivedFrom(app:creditreports/1291, app:records/4232, -, -, -)
  wasDerivedFrom(app:creditreports/1291, app:records/4233, -, -, -)
  wasDerivedFrom(app:creditreports/1291, app:records/4231, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4231, app:providers/2)
  entity(app:records/4231, [pl:created_at="2026-07-28T00:00:00" %% xsd:dateTime, cs:attr_address="Studio 21l, Clarke fall, Websterstad, L69 7PP", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-04-19" %% xsd:date])
  agent(app:providers/9, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="GiffGaff"])
  wasAttributedTo(app:records/4232, app:providers/9)
  entity(app:records/4232, [pl:created_at="2026-07-31T14:24:47.320256" %% xsd:dateTime, cs:attr_prev_address="502 Ashley turnpike, Lake Suzanneshire, OX9 4EJ", cs:attr_first_confirmed="2026-07-03" %% xsd:date, cs:attr_address="Studio 21l, Clarke fall, Websterstad, L69 7PP", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-04-16" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4233, app:providers/14)
  entity(app:records/4233, [pl:created_at="2026-07-31T14:24:47.321743" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jul-2026", 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="348.21" %% xsd:float])
endDocument