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/1347, uuid:7b6859b1-7360-4a94-81b3-bda488f50867, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:7b6859b1-7360-4a94-81b3-bda488f50867, 2026-08-14T00:58:50.706000+01:00, 2026-08-14T01:07:27.520000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1347, app:applications/524, -, -, -)
  wasAssociatedWith(uuid:7b6859b1-7360-4a94-81b3-bda488f50867, app:the_bank, -)
  used(uuid:7b6859b1-7360-4a94-81b3-bda488f50867, app:applications/524, -)
  wasAttributedTo(app:decisions/1347, app:the_bank)
  entity(app:applications/524)
  entity(app:decisions/1347, [pl:created_at="2026-08-14T01:07:27.520812" %% 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'])
  wasGeneratedBy(app:recommendations/1347, uuid:211a2721-6d04-4b7e-9b26-179f90e11837, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:211a2721-6d04-4b7e-9b26-179f90e11837)
  activity(uuid:211a2721-6d04-4b7e-9b26-179f90e11837, 2026-08-14T00:58:50.706000+01:00, 2026-08-14T01:07:27.520000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1347, app:applications/524, -, -, -)
  wasDerivedFrom(app:recommendations/1347, app:records/4418, -, -, -)
  wasDerivedFrom(app:recommendations/1347, app:creditreports/1347, -, -, -)
  wasAssociatedWith(uuid:211a2721-6d04-4b7e-9b26-179f90e11837, app:machines/one, app:models/creditcard_assessment)
  used(uuid:211a2721-6d04-4b7e-9b26-179f90e11837, app:applications/524, -)
  used(uuid:211a2721-6d04-4b7e-9b26-179f90e11837, app:creditreports/1347, -)
  used(uuid:211a2721-6d04-4b7e-9b26-179f90e11837, app:records/4418, -)
  wasAttributedTo(app:recommendations/1347, app:machines/one)
  entity(app:recommendations/1347, [pl:created_at="2026-08-14T01:07:27.520812" %% 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:models/creditcard_assessment)
  entity(app:applications/524)
  entity(app:records/4418)
  entity(app:creditreports/1347)
  wasDerivedFrom(app:decisions/1347, app:recommendations/1347, -, -, -)
  entity(app:recommendations/1347)
  entity(app:decisions/1347)
  agent(app:applicants/524, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Debra Poole"])
  wasAttributedTo(app:applications/524, app:applicants/524)
  entity(app:applications/524, [cs:attr_annual_income=33000, pl:created_at="2026-08-14T00:58:50.706048" %% xsd:dateTime, cs:attr_prev_address="Flat 37, Hill circle, Port Nigel, PL29 9GJ", cs:attr_address="Flat 5, Sean square, East Benville, DG7P 9YT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1951-03-13" %% xsd:date, cs:attr_emp_title="Print production planner", cs:attr_home_ownership=2, cs:attr_phone_number="+44(0)1514960638", cs:attr_email_address="jbell@example.net", cs:attr_applicant_name="Debra Poole", cs:attr_emp_length=26])
  wasDerivedFrom(app:applications/524/id, app:applications/524, -, -, -)
  entity(app:applications/524)
  entity(app:applications/524/id, [cs:attr_prev_address="Flat 37, Hill circle, Port Nigel, PL29 9GJ", cs:attr_address="Flat 5, Sean square, East Benville, DG7P 9YT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1951-03-13" %% xsd:date, cs:attr_applicant_name="Debra Poole"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1347, uuid:82945f2d-8f3d-4ef7-9c32-8aa599a1f0ff, -)
  activity(uuid:82945f2d-8f3d-4ef7-9c32-8aa599a1f0ff, 2026-08-14T01:07:27.511000+01:00, 2026-08-14T01:07:27.511000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1347, app:applications/524/id, -, -, -)
  wasAssociatedWith(uuid:82945f2d-8f3d-4ef7-9c32-8aa599a1f0ff, app:providers/1, -)
  used(uuid:82945f2d-8f3d-4ef7-9c32-8aa599a1f0ff, app:applications/524/id, -)
  wasAttributedTo(app:creditreports/1347, app:providers/1)
  entity(app:creditreports/1347, [pl:created_at="2026-08-14T01:07:27.511759" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=108])
  entity(app:applications/524/id)
  wasDerivedFrom(app:creditreports/1347, app:records/4417, -, -, -)
  wasDerivedFrom(app:creditreports/1347, app:records/4418, -, -, -)
  wasDerivedFrom(app:creditreports/1347, app:records/4416, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4416, app:providers/2)
  entity(app:records/4416, [pl:created_at="2026-07-15T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 5, Sean square, East Benville, DG7P 9YT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-05-01" %% xsd:date])
  agent(app:providers/11, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Sky"])
  wasAttributedTo(app:records/4417, app:providers/11)
  entity(app:records/4417, [pl:created_at="2026-08-14T01:07:27.518144" %% xsd:dateTime, cs:attr_prev_address="Flat 37, Hill circle, Port Nigel, PL29 9GJ", cs:attr_first_confirmed="2026-08-03" %% xsd:date, cs:attr_address="Flat 5, Sean square, East Benville, DG7P 9YT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-11-12" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4418, app:providers/14)
  entity(app:records/4418, [pl:created_at="2026-08-14T01:07:27.519695" %% 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="1800.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="952.75" %% xsd:float])
endDocument