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/1294, uuid:60ed0ee3-5fb4-4ac5-bce0-cea646455ee2, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:60ed0ee3-5fb4-4ac5-bce0-cea646455ee2, 2026-08-01T02:19:26.067000+01:00, 2026-08-01T04:05:49.121000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:60ed0ee3-5fb4-4ac5-bce0-cea646455ee2, app:the_bank, -)
  wasDerivedFrom(app:decisions/1294, app:applications/511, -, -, -)
  wasAttributedTo(app:decisions/1294, app:the_bank)
  used(uuid:60ed0ee3-5fb4-4ac5-bce0-cea646455ee2, app:applications/511, -)
  entity(app:decisions/1294, [pl:created_at="2026-08-01T04:05:49.121201" %% 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/511)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1294, uuid:9a8a3809-dafe-4d39-ba4e-06fdcacf283e, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:9a8a3809-dafe-4d39-ba4e-06fdcacf283e)
  activity(uuid:9a8a3809-dafe-4d39-ba4e-06fdcacf283e, 2026-08-01T02:19:26.067000+01:00, 2026-08-01T04:05:49.121000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasAssociatedWith(uuid:9a8a3809-dafe-4d39-ba4e-06fdcacf283e, app:machines/one, app:models/creditcard_assessment)
  wasDerivedFrom(app:recommendations/1294, app:applications/511, -, -, -)
  wasDerivedFrom(app:recommendations/1294, app:creditreports/1294, -, -, -)
  wasDerivedFrom(app:recommendations/1294, app:records/4244, -, -, -)
  used(uuid:9a8a3809-dafe-4d39-ba4e-06fdcacf283e, app:creditreports/1294, -)
  used(uuid:9a8a3809-dafe-4d39-ba4e-06fdcacf283e, app:records/4244, -)
  used(uuid:9a8a3809-dafe-4d39-ba4e-06fdcacf283e, app:applications/511, -)
  wasAttributedTo(app:recommendations/1294, app:machines/one)
  entity(app:creditreports/1294)
  entity(app:records/4244)
  entity(app:models/creditcard_assessment)
  entity(app:applications/511)
  entity(app:recommendations/1294, [pl:created_at="2026-08-01T04:05:49.121201" %% 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/1294, app:recommendations/1294, -, -, -)
  entity(app:decisions/1294)
  entity(app:recommendations/1294)
  agent(app:applicants/511, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Angela Holloway"])
  wasAttributedTo(app:applications/511, app:applicants/511)
  entity(app:applications/511, [cs:attr_annual_income=66000, pl:created_at="2026-08-01T02:19:26.067726" %% xsd:dateTime, cs:attr_prev_address="Studio 28o, Rice loop, Brownport, N9H 9UX", cs:attr_address="3 Bennett grove, East Alisonmouth, B7G 5SS", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1967-05-28" %% xsd:date, cs:attr_emp_title="Minerals surveyor", cs:attr_home_ownership=3, cs:attr_phone_number="+44(0)1134960458", cs:attr_email_address="jake43@example.org", cs:attr_applicant_name="Angela Holloway", cs:attr_emp_length=38])
  wasDerivedFrom(app:applications/511/id, app:applications/511, -, -, -)
  entity(app:applications/511/id, [cs:attr_prev_address="Studio 28o, Rice loop, Brownport, N9H 9UX", cs:attr_address="3 Bennett grove, East Alisonmouth, B7G 5SS", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1967-05-28" %% xsd:date, cs:attr_applicant_name="Angela Holloway"])
  entity(app:applications/511)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1294, uuid:3e951c5f-799b-47bb-8ccd-20afeb297bc9, -)
  activity(uuid:3e951c5f-799b-47bb-8ccd-20afeb297bc9, 2026-08-01T04:05:49.112000+01:00, 2026-08-01T04:05:49.112000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:3e951c5f-799b-47bb-8ccd-20afeb297bc9, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1294, app:applications/511/id, -, -, -)
  used(uuid:3e951c5f-799b-47bb-8ccd-20afeb297bc9, app:applications/511/id, -)
  wasAttributedTo(app:creditreports/1294, app:providers/1)
  entity(app:creditreports/1294, [pl:created_at="2026-08-01T04:05:49.112520" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=413])
  entity(app:applications/511/id)
  wasDerivedFrom(app:creditreports/1294, app:records/4243, -, -, -)
  wasDerivedFrom(app:creditreports/1294, app:records/4244, -, -, -)
  wasDerivedFrom(app:creditreports/1294, app:records/4242, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4242, app:providers/2)
  entity(app:records/4242, [pl:created_at="2026-07-28T00:00:00" %% xsd:dateTime, cs:attr_address="3 Bennett grove, East Alisonmouth, B7G 5SS", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-03-30" %% xsd:date])
  agent(app:providers/7, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Tesco Mobile"])
  wasAttributedTo(app:records/4243, app:providers/7)
  entity(app:records/4243, [pl:created_at="2026-08-01T04:05:49.118552" %% xsd:dateTime, cs:attr_prev_address="Studio 28o, Rice loop, Brownport, N9H 9UX", cs:attr_first_confirmed="2026-07-12" %% xsd:date, cs:attr_address="3 Bennett grove, East Alisonmouth, B7G 5SS", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-08-18" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4244, app:providers/15)
  entity(app:records/4244, [pl:created_at="2026-08-01T04:05:49.120069" %% xsd:dateTime, cs:attr_payment_amount="2.35" %% xsd:float, cs:attr_month="Feb-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="201.36" %% xsd:float])
endDocument