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/1332, uuid:b06f904d-ecbf-4c88-8193-e5ce79cc76e5, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:b06f904d-ecbf-4c88-8193-e5ce79cc76e5, 2026-08-08T16:35:11.226000+01:00, 2026-08-08T16:42:58.974000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1332, app:applications/522, -, -, -)
  wasAssociatedWith(uuid:b06f904d-ecbf-4c88-8193-e5ce79cc76e5, app:the_bank, -)
  used(uuid:b06f904d-ecbf-4c88-8193-e5ce79cc76e5, app:applications/522, -)
  wasAttributedTo(app:decisions/1332, app:the_bank)
  entity(app:applications/522)
  entity(app:decisions/1332, [pl:created_at="2026-08-08T16:42:58.974990" %% 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'])
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1332, uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929)
  activity(uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929, 2026-08-08T16:35:11.226000+01:00, 2026-08-08T16:42:58.974000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1332, app:records/4378, -, -, -)
  wasDerivedFrom(app:recommendations/1332, app:creditreports/1332, -, -, -)
  wasDerivedFrom(app:recommendations/1332, app:records/4376, -, -, -)
  wasDerivedFrom(app:recommendations/1332, app:applications/522, -, -, -)
  wasDerivedFrom(app:recommendations/1332, app:records/4377, -, -, -)
  wasDerivedFrom(app:recommendations/1332, app:records/4375, -, -, -)
  wasAssociatedWith(uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929, app:machines/one, app:models/creditcard_assessment)
  used(uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929, app:creditreports/1332, -)
  used(uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929, app:records/4377, -)
  used(uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929, app:records/4375, -)
  used(uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929, app:records/4376, -)
  used(uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929, app:applications/522, -)
  used(uuid:aab1d07f-fa93-462e-80ea-a38efaeeb929, app:records/4378, -)
  wasAttributedTo(app:recommendations/1332, app:machines/one)
  entity(app:records/4377)
  entity(app:records/4376)
  entity(app:records/4378)
  entity(app:models/creditcard_assessment)
  entity(app:applications/522)
  entity(app:records/4375)
  entity(app:recommendations/1332, [pl:created_at="2026-08-08T16:42:58.974990" %% 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/1332)
  wasDerivedFrom(app:decisions/1332, app:recommendations/1332, -, -, -)
  entity(app:recommendations/1332)
  entity(app:decisions/1332)
  agent(app:applicants/522, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Charlotte Burton"])
  wasAttributedTo(app:applications/522, app:applicants/522)
  entity(app:applications/522, [cs:attr_annual_income=32000, pl:created_at="2026-08-08T16:35:11.226300" %% xsd:dateTime, cs:attr_prev_address="Flat 91O, Nicholas ville, Cookfurt, W6 9LU", cs:attr_address="6 Katy shores, East Cliveton, W1J 7RR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1952-07-05" %% xsd:date, cs:attr_emp_title="Accountant, chartered public finance", cs:attr_home_ownership=3, cs:attr_phone_number="+44(0)1214960846", cs:attr_email_address="edwardjackson@example.org", cs:attr_applicant_name="Charlotte Burton", cs:attr_emp_length=7])
  wasDerivedFrom(app:applications/522/id, app:applications/522, -, -, -)
  entity(app:applications/522/id, [cs:attr_prev_address="Flat 91O, Nicholas ville, Cookfurt, W6 9LU", cs:attr_address="6 Katy shores, East Cliveton, W1J 7RR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1952-07-05" %% xsd:date, cs:attr_applicant_name="Charlotte Burton"])
  entity(app:applications/522)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1332, uuid:11bf42d3-ea5d-4a44-a004-dac5db90caaf, -)
  activity(uuid:11bf42d3-ea5d-4a44-a004-dac5db90caaf, 2026-08-08T16:42:58.964000+01:00, 2026-08-08T16:42:58.964000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1332, app:applications/522/id, -, -, -)
  wasAssociatedWith(uuid:11bf42d3-ea5d-4a44-a004-dac5db90caaf, app:providers/1, -)
  wasAttributedTo(app:creditreports/1332, app:providers/1)
  used(uuid:11bf42d3-ea5d-4a44-a004-dac5db90caaf, app:applications/522/id, -)
  entity(app:applications/522/id)
  entity(app:creditreports/1332, [pl:created_at="2026-08-08T16:42:58.964398" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=134])
  wasDerivedFrom(app:creditreports/1332, app:records/4378, -, -, -)
  wasDerivedFrom(app:creditreports/1332, app:records/4375, -, -, -)
  wasDerivedFrom(app:creditreports/1332, app:records/4374, -, -, -)
  wasDerivedFrom(app:creditreports/1332, app:records/4376, -, -, -)
  wasDerivedFrom(app:creditreports/1332, app:records/4373, -, -, -)
  wasDerivedFrom(app:creditreports/1332, app:records/4377, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4373, app:providers/2)
  entity(app:records/4373, [pl:created_at="2026-07-10T00:00:00" %% xsd:dateTime, cs:attr_address="6 Katy shores, East Cliveton, W1J 7RR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-03-13" %% xsd:date])
  agent(app:providers/3, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="EE"])
  wasAttributedTo(app:records/4374, app:providers/3)
  entity(app:records/4374, [pl:created_at="2026-08-08T16:42:58.970191" %% xsd:dateTime, cs:attr_prev_address="Flat 91O, Nicholas ville, Cookfurt, W6 9LU", cs:attr_first_confirmed="2026-08-01" %% xsd:date, cs:attr_address="6 Katy shores, East Cliveton, W1J 7RR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-02-07" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4376, app:providers/15)
  entity(app:records/4376, [pl:created_at="2026-08-08T16:42:58.972493" %% xsd:dateTime, cs:attr_payment_amount="20.95" %% xsd:float, cs:attr_month="Mar-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="229.87" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4377, app:providers/15)
  entity(app:records/4377, [pl:created_at="2026-08-08T16:42:58.973123" %% xsd:dateTime, cs:attr_payment_amount="22.06" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="229.87" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4378, app:providers/15)
  entity(app:records/4378, [pl:created_at="2026-08-08T16:42:58.973710" %% 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="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="229.87" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4375, app:providers/15)
  entity(app:records/4375, [pl:created_at="2026-08-08T16:42:58.971689" %% xsd:dateTime, cs:attr_payment_amount="8.5" %% xsd:float, cs:attr_month="Jan-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="229.87" %% xsd:float])
endDocument