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/1348, uuid:25698e5d-7190-45f3-ab03-f454a341e43b, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:25698e5d-7190-45f3-ab03-f454a341e43b, 2026-08-13T14:08:57.143000+01:00, 2026-08-14T01:08:12.046000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1348, app:applications/523, -, -, -)
  wasAssociatedWith(uuid:25698e5d-7190-45f3-ab03-f454a341e43b, app:the_bank, -)
  used(uuid:25698e5d-7190-45f3-ab03-f454a341e43b, app:applications/523, -)
  wasAttributedTo(app:decisions/1348, app:the_bank)
  entity(app:applications/523)
  entity(app:decisions/1348, [pl:created_at="2026-08-14T01:08:12.046114" %% 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/1348, uuid:cc39c084-d661-42b9-a493-80261bb3ef78, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:cc39c084-d661-42b9-a493-80261bb3ef78)
  activity(uuid:cc39c084-d661-42b9-a493-80261bb3ef78, 2026-08-13T14:08:57.143000+01:00, 2026-08-14T01:08:12.046000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasAssociatedWith(uuid:cc39c084-d661-42b9-a493-80261bb3ef78, app:machines/one, app:models/creditcard_assessment)
  wasDerivedFrom(app:recommendations/1348, app:records/4424, -, -, -)
  wasDerivedFrom(app:recommendations/1348, app:records/4421, -, -, -)
  wasDerivedFrom(app:recommendations/1348, app:creditreports/1348, -, -, -)
  wasDerivedFrom(app:recommendations/1348, app:records/4423, -, -, -)
  wasDerivedFrom(app:recommendations/1348, app:records/4422, -, -, -)
  wasDerivedFrom(app:recommendations/1348, app:applications/523, -, -, -)
  wasAttributedTo(app:recommendations/1348, app:machines/one)
  used(uuid:cc39c084-d661-42b9-a493-80261bb3ef78, app:records/4421, -)
  used(uuid:cc39c084-d661-42b9-a493-80261bb3ef78, app:records/4422, -)
  used(uuid:cc39c084-d661-42b9-a493-80261bb3ef78, app:records/4424, -)
  used(uuid:cc39c084-d661-42b9-a493-80261bb3ef78, app:applications/523, -)
  used(uuid:cc39c084-d661-42b9-a493-80261bb3ef78, app:records/4423, -)
  used(uuid:cc39c084-d661-42b9-a493-80261bb3ef78, app:creditreports/1348, -)
  entity(app:records/4421)
  entity(app:records/4423)
  entity(app:applications/523)
  entity(app:models/creditcard_assessment)
  entity(app:records/4422)
  entity(app:creditreports/1348)
  entity(app:recommendations/1348, [pl:created_at="2026-08-14T01:08:12.046114" %% 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:records/4424)
  wasDerivedFrom(app:decisions/1348, app:recommendations/1348, -, -, -)
  entity(app:recommendations/1348)
  entity(app:decisions/1348)
  agent(app:applicants/523, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Bethan Jones-Nolan"])
  wasAttributedTo(app:applications/523, app:applicants/523)
  entity(app:applications/523, [cs:attr_annual_income=52000, pl:created_at="2026-08-13T14:08:57.143540" %% xsd:dateTime, cs:attr_prev_address="Studio 6, Megan groves, Stewartmouth, W41 4QT", cs:attr_address="7 Thompson isle, South Daleview, L81 0GJ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1980-06-05" %% xsd:date, cs:attr_emp_title="Pilot, airline", cs:attr_home_ownership=2, cs:attr_phone_number="+44(0)3069990647", cs:attr_email_address="owenblack@example.org", cs:attr_applicant_name="Bethan Jones-Nolan", cs:attr_emp_length=12])
  wasDerivedFrom(app:applications/523/id, app:applications/523, -, -, -)
  entity(app:applications/523)
  entity(app:applications/523/id, [cs:attr_prev_address="Studio 6, Megan groves, Stewartmouth, W41 4QT", cs:attr_address="7 Thompson isle, South Daleview, L81 0GJ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1980-06-05" %% xsd:date, cs:attr_applicant_name="Bethan Jones-Nolan"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1348, uuid:1b9f6813-578a-40f0-8a70-ec589425dec0, -)
  activity(uuid:1b9f6813-578a-40f0-8a70-ec589425dec0, 2026-08-14T01:08:12.035000+01:00, 2026-08-14T01:08:12.035000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1348, app:applications/523/id, -, -, -)
  wasAssociatedWith(uuid:1b9f6813-578a-40f0-8a70-ec589425dec0, app:providers/1, -)
  wasAttributedTo(app:creditreports/1348, app:providers/1)
  used(uuid:1b9f6813-578a-40f0-8a70-ec589425dec0, app:applications/523/id, -)
  entity(app:creditreports/1348, [pl:created_at="2026-08-14T01:08:12.035311" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=383])
  entity(app:applications/523/id)
  wasDerivedFrom(app:creditreports/1348, app:records/4423, -, -, -)
  wasDerivedFrom(app:creditreports/1348, app:records/4424, -, -, -)
  wasDerivedFrom(app:creditreports/1348, app:records/4420, -, -, -)
  wasDerivedFrom(app:creditreports/1348, app:records/4421, -, -, -)
  wasDerivedFrom(app:creditreports/1348, app:records/4419, -, -, -)
  wasDerivedFrom(app:creditreports/1348, app:records/4422, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4419, app:providers/2)
  entity(app:records/4419, [pl:created_at="2026-07-23T00:00:00" %% xsd:dateTime, cs:attr_address="7 Thompson isle, South Daleview, L81 0GJ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-09-19" %% xsd:date])
  agent(app:providers/8, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Virgin Media"])
  wasAttributedTo(app:records/4420, app:providers/8)
  entity(app:records/4420, [pl:created_at="2026-08-14T01:08:12.041063" %% xsd:dateTime, cs:attr_prev_address="Studio 6, Megan groves, Stewartmouth, W41 4QT", cs:attr_first_confirmed="2026-08-04" %% xsd:date, cs:attr_address="7 Thompson isle, South Daleview, L81 0GJ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-09-07" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4424, app:providers/15)
  entity(app:records/4424, [pl:created_at="2026-08-14T01:08:12.045043" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Oct-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="641.03" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4421, app:providers/15)
  entity(app:records/4421, [pl:created_at="2026-08-14T01:08:12.042718" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jul-2026", 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="641.03" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4422, app:providers/15)
  entity(app:records/4422, [pl:created_at="2026-08-14T01:08:12.043481" %% 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="641.03" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4423, app:providers/15)
  entity(app:records/4423, [pl:created_at="2026-08-14T01:08:12.044151" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jun-2026", 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="641.03" %% xsd:float])
endDocument