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/1293, uuid:612cb7ae-c617-4b16-974b-989e3c12fa6a, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:612cb7ae-c617-4b16-974b-989e3c12fa6a, 2026-07-31T14:08:08.548000+01:00, 2026-07-31T14:25:38.727000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1293, app:applications/509, -, -, -)
  wasAssociatedWith(uuid:612cb7ae-c617-4b16-974b-989e3c12fa6a, app:the_bank, -)
  wasAttributedTo(app:decisions/1293, app:the_bank)
  used(uuid:612cb7ae-c617-4b16-974b-989e3c12fa6a, app:applications/509, -)
  entity(app:decisions/1293, [pl:created_at="2026-07-31T14:25:38.727625" %% 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/509)
  wasGeneratedBy(app:recommendations/1293, uuid:c511daad-b0b6-492a-ba62-fa713f95c52f, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:c511daad-b0b6-492a-ba62-fa713f95c52f)
  activity(uuid:c511daad-b0b6-492a-ba62-fa713f95c52f, 2026-07-31T14:08:08.548000+01:00, 2026-07-31T14:25:38.727000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1293, app:creditreports/1293, -, -, -)
  wasDerivedFrom(app:recommendations/1293, app:applications/509, -, -, -)
  wasDerivedFrom(app:recommendations/1293, app:records/4240, -, -, -)
  wasDerivedFrom(app:recommendations/1293, app:records/4241, -, -, -)
  wasAssociatedWith(uuid:c511daad-b0b6-492a-ba62-fa713f95c52f, app:machines/one, app:models/creditcard_assessment)
  used(uuid:c511daad-b0b6-492a-ba62-fa713f95c52f, app:records/4240, -)
  used(uuid:c511daad-b0b6-492a-ba62-fa713f95c52f, app:records/4241, -)
  used(uuid:c511daad-b0b6-492a-ba62-fa713f95c52f, app:applications/509, -)
  used(uuid:c511daad-b0b6-492a-ba62-fa713f95c52f, app:creditreports/1293, -)
  wasAttributedTo(app:recommendations/1293, app:machines/one)
  entity(app:models/creditcard_assessment)
  entity(app:creditreports/1293)
  entity(app:records/4241)
  entity(app:records/4240)
  entity(app:applications/509)
  entity(app:recommendations/1293, [pl:created_at="2026-07-31T14:25:38.727625" %% 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/1293, app:recommendations/1293, -, -, -)
  entity(app:decisions/1293)
  entity(app:recommendations/1293)
  agent(app:applicants/509, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Janice Turner"])
  wasAttributedTo(app:applications/509, app:applicants/509)
  entity(app:applications/509, [cs:attr_annual_income=110000, pl:created_at="2026-07-31T14:08:08.548958" %% xsd:dateTime, cs:attr_prev_address="Flat 3, Hudson view, New Lindseyside, M38 7PT", cs:attr_address="4 Hicks crest, South Maxside, DT31 7WB", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1960-11-29" %% xsd:date, cs:attr_emp_title="Horticultural consultant", cs:attr_home_ownership=2, cs:attr_phone_number="+44(0)3069990217", cs:attr_email_address="grantdiane@example.net", cs:attr_applicant_name="Janice Turner", cs:attr_emp_length=31])
  wasDerivedFrom(app:applications/509/id, app:applications/509, -, -, -)
  entity(app:applications/509)
  entity(app:applications/509/id, [cs:attr_prev_address="Flat 3, Hudson view, New Lindseyside, M38 7PT", cs:attr_address="4 Hicks crest, South Maxside, DT31 7WB", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1960-11-29" %% xsd:date, cs:attr_applicant_name="Janice Turner"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1293, uuid:a5ef8e2b-82de-41fe-a6b7-8858261f7f7e, -)
  activity(uuid:a5ef8e2b-82de-41fe-a6b7-8858261f7f7e, 2026-07-31T14:25:38.720000+01:00, 2026-07-31T14:25:38.720000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:a5ef8e2b-82de-41fe-a6b7-8858261f7f7e, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1293, app:applications/509/id, -, -, -)
  wasAttributedTo(app:creditreports/1293, app:providers/1)
  used(uuid:a5ef8e2b-82de-41fe-a6b7-8858261f7f7e, app:applications/509/id, -)
  entity(app:creditreports/1293, [pl:created_at="2026-07-31T14:25:38.720098" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=222])
  entity(app:applications/509/id)
  wasDerivedFrom(app:creditreports/1293, app:records/4239, -, -, -)
  wasDerivedFrom(app:creditreports/1293, app:records/4240, -, -, -)
  wasDerivedFrom(app:creditreports/1293, app:records/4241, -, -, -)
  wasDerivedFrom(app:creditreports/1293, app:records/4238, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4238, app:providers/2)
  entity(app:records/4238, [pl:created_at="2026-07-23T00:00:00" %% xsd:dateTime, cs:attr_address="4 Hicks crest, South Maxside, DT31 7WB", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-11-26" %% xsd:date])
  agent(app:providers/9, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="GiffGaff"])
  wasAttributedTo(app:records/4239, app:providers/9)
  entity(app:records/4239, [pl:created_at="2026-07-31T14:25:38.724664" %% xsd:dateTime, cs:attr_prev_address="Flat 3, Hudson view, New Lindseyside, M38 7PT", cs:attr_first_confirmed="2026-07-05" %% xsd:date, cs:attr_address="4 Hicks crest, South Maxside, DT31 7WB", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-12-29" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4240, app:providers/14)
  entity(app:records/4240, [pl:created_at="2026-07-31T14:25:38.726056" %% xsd:dateTime, cs:attr_payment_amount="1.75" %% 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="1100.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="20.77" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4241, app:providers/14)
  entity(app:records/4241, [pl:created_at="2026-07-31T14:25:38.726704" %% 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="1100.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="20.77" %% xsd:float])
endDocument