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/1292, uuid:6f08ea78-9d09-4caf-8f90-c5680fe595fd, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:6f08ea78-9d09-4caf-8f90-c5680fe595fd, 2026-07-31T09:01:16.885000+01:00, 2026-07-31T14:25:11.864000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1292, app:applications/508, -, -, -)
  wasAssociatedWith(uuid:6f08ea78-9d09-4caf-8f90-c5680fe595fd, app:the_bank, -)
  used(uuid:6f08ea78-9d09-4caf-8f90-c5680fe595fd, app:applications/508, -)
  wasAttributedTo(app:decisions/1292, app:the_bank)
  entity(app:decisions/1292, [pl:created_at="2026-07-31T14:25:11.864671" %% 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/508)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1292, uuid:9f0de52a-a95c-426a-8ed3-ac45365bee5b, -)
  activity(uuid:9f0de52a-a95c-426a-8ed3-ac45365bee5b, 2026-07-31T09:01:16.885000+01:00, 2026-07-31T14:25:11.864000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:9f0de52a-a95c-426a-8ed3-ac45365bee5b)
  wasDerivedFrom(app:recommendations/1292, app:records/4237, -, -, -)
  wasDerivedFrom(app:recommendations/1292, app:records/4236, -, -, -)
  wasDerivedFrom(app:recommendations/1292, app:creditreports/1292, -, -, -)
  wasDerivedFrom(app:recommendations/1292, app:applications/508, -, -, -)
  wasAssociatedWith(uuid:9f0de52a-a95c-426a-8ed3-ac45365bee5b, app:machines/one, app:models/creditcard_assessment)
  used(uuid:9f0de52a-a95c-426a-8ed3-ac45365bee5b, app:records/4236, -)
  used(uuid:9f0de52a-a95c-426a-8ed3-ac45365bee5b, app:records/4237, -)
  used(uuid:9f0de52a-a95c-426a-8ed3-ac45365bee5b, app:creditreports/1292, -)
  used(uuid:9f0de52a-a95c-426a-8ed3-ac45365bee5b, app:applications/508, -)
  wasAttributedTo(app:recommendations/1292, app:machines/one)
  entity(app:creditreports/1292)
  entity(app:records/4236)
  entity(app:models/creditcard_assessment)
  entity(app:recommendations/1292, [pl:created_at="2026-07-31T14:25:11.864671" %% 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:applications/508)
  entity(app:records/4237)
  wasDerivedFrom(app:decisions/1292, app:recommendations/1292, -, -, -)
  entity(app:decisions/1292)
  entity(app:recommendations/1292)
  agent(app:applicants/508, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Howard Page"])
  wasAttributedTo(app:applications/508, app:applicants/508)
  entity(app:applications/508, [cs:attr_annual_income=30000, pl:created_at="2026-07-31T09:01:16.885899" %% xsd:dateTime, cs:attr_prev_address="7 Khan springs, Lake Anneborough, BB3Y 8HT", cs:attr_address="Flat 23y, Laura curve, Jacquelineborough, BN1 4AS", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="2007-07-10" %% xsd:date, cs:attr_emp_title="Civil engineer, contracting", cs:attr_home_ownership=1, cs:attr_phone_number="+44(0)114 4960446", cs:attr_email_address="jodierobinson@example.org", cs:attr_applicant_name="Howard Page", cs:attr_emp_length=0])
  wasDerivedFrom(app:applications/508/id, app:applications/508, -, -, -)
  entity(app:applications/508)
  entity(app:applications/508/id, [cs:attr_prev_address="7 Khan springs, Lake Anneborough, BB3Y 8HT", cs:attr_address="Flat 23y, Laura curve, Jacquelineborough, BN1 4AS", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="2007-07-10" %% xsd:date, cs:attr_applicant_name="Howard Page"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1292, uuid:70d75e96-f24e-44c7-afa7-bb2cbbfe368f, -)
  activity(uuid:70d75e96-f24e-44c7-afa7-bb2cbbfe368f, 2026-07-31T14:25:11.855000+01:00, 2026-07-31T14:25:11.855000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1292, app:applications/508/id, -, -, -)
  wasAssociatedWith(uuid:70d75e96-f24e-44c7-afa7-bb2cbbfe368f, app:providers/1, -)
  wasAttributedTo(app:creditreports/1292, app:providers/1)
  used(uuid:70d75e96-f24e-44c7-afa7-bb2cbbfe368f, app:applications/508/id, -)
  entity(app:creditreports/1292, [pl:created_at="2026-07-31T14:25:11.855833" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=627])
  entity(app:applications/508/id)
  wasDerivedFrom(app:creditreports/1292, app:records/4235, -, -, -)
  wasDerivedFrom(app:creditreports/1292, app:records/4236, -, -, -)
  wasDerivedFrom(app:creditreports/1292, app:records/4237, -, -, -)
  wasDerivedFrom(app:creditreports/1292, app:records/4234, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4234, app:providers/2)
  entity(app:records/4234, [pl:created_at="2026-07-12T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 23y, Laura curve, Jacquelineborough, BN1 4AS", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-03-15" %% xsd:date])
  agent(app:providers/10, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="BT"])
  wasAttributedTo(app:records/4235, app:providers/10)
  entity(app:records/4235, [pl:created_at="2026-07-31T14:25:11.861548" %% xsd:dateTime, cs:attr_prev_address="7 Khan springs, Lake Anneborough, BB3Y 8HT", cs:attr_first_confirmed="2026-07-01" %% xsd:date, cs:attr_address="Flat 23y, Laura curve, Jacquelineborough, BN1 4AS", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-06-20" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4236, app:providers/14)
  entity(app:records/4236, [pl:created_at="2026-07-31T14:25:11.862964" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jan-2026", 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="1737.13" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4237, app:providers/14)
  entity(app:records/4237, [pl:created_at="2026-07-31T14:25:11.863737" %% xsd:dateTime, cs:attr_payment_amount="30.04" %% xsd:float, cs:attr_month="May-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="1737.13" %% xsd:float])
endDocument