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/1353, uuid:8f852474-88d6-432d-a9df-905200e05ee9, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:8f852474-88d6-432d-a9df-905200e05ee9, 2026-08-15T02:59:26.294000+01:00, 2026-08-15T18:37:01.863000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:8f852474-88d6-432d-a9df-905200e05ee9, app:the_bank, -)
  wasDerivedFrom(app:decisions/1353, app:applications/525, -, -, -)
  wasAttributedTo(app:decisions/1353, app:the_bank)
  used(uuid:8f852474-88d6-432d-a9df-905200e05ee9, app:applications/525, -)
  entity(app:applications/525)
  entity(app:decisions/1353, [pl:created_at="2026-08-15T18:37:01.863946" %% 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/1353, uuid:a7b27a82-545f-403b-bce9-8e4a83f3f973, -)
  activity(uuid:a7b27a82-545f-403b-bce9-8e4a83f3f973, 2026-08-15T02:59:26.294000+01:00, 2026-08-15T18:37:01.863000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:a7b27a82-545f-403b-bce9-8e4a83f3f973)
  wasDerivedFrom(app:recommendations/1353, app:applications/525, -, -, -)
  wasDerivedFrom(app:recommendations/1353, app:records/4437, -, -, -)
  wasDerivedFrom(app:recommendations/1353, app:records/4438, -, -, -)
  wasDerivedFrom(app:recommendations/1353, app:records/4436, -, -, -)
  wasDerivedFrom(app:recommendations/1353, app:creditreports/1353, -, -, -)
  wasAssociatedWith(uuid:a7b27a82-545f-403b-bce9-8e4a83f3f973, app:machines/one, app:models/creditcard_assessment)
  used(uuid:a7b27a82-545f-403b-bce9-8e4a83f3f973, app:applications/525, -)
  used(uuid:a7b27a82-545f-403b-bce9-8e4a83f3f973, app:creditreports/1353, -)
  used(uuid:a7b27a82-545f-403b-bce9-8e4a83f3f973, app:records/4436, -)
  used(uuid:a7b27a82-545f-403b-bce9-8e4a83f3f973, app:records/4438, -)
  used(uuid:a7b27a82-545f-403b-bce9-8e4a83f3f973, app:records/4437, -)
  wasAttributedTo(app:recommendations/1353, app:machines/one)
  entity(app:models/creditcard_assessment)
  entity(app:applications/525)
  entity(app:records/4436)
  entity(app:creditreports/1353)
  entity(app:recommendations/1353, [pl:created_at="2026-08-15T18:37:01.863946" %% 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/4438)
  entity(app:records/4437)
  wasDerivedFrom(app:decisions/1353, app:recommendations/1353, -, -, -)
  entity(app:decisions/1353)
  entity(app:recommendations/1353)
  agent(app:applicants/525, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Rosemary Wilson"])
  wasAttributedTo(app:applications/525, app:applicants/525)
  entity(app:applications/525, [cs:attr_annual_income=44000, pl:created_at="2026-08-15T02:59:26.294234" %% xsd:dateTime, cs:attr_prev_address="6 Lindsey union, Lake Liamview, W2G 4NS", cs:attr_address="Studio 2, Stewart vista, East Carolyn, M5 5TD", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1958-10-22" %% xsd:date, cs:attr_emp_title="Product manager", cs:attr_home_ownership=3, cs:attr_phone_number="0909 879 0095", cs:attr_email_address="danielle12@example.com", cs:attr_applicant_name="Rosemary Wilson", cs:attr_emp_length=40])
  wasDerivedFrom(app:applications/525/id, app:applications/525, -, -, -)
  entity(app:applications/525)
  entity(app:applications/525/id, [cs:attr_prev_address="6 Lindsey union, Lake Liamview, W2G 4NS", cs:attr_address="Studio 2, Stewart vista, East Carolyn, M5 5TD", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1958-10-22" %% xsd:date, cs:attr_applicant_name="Rosemary Wilson"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1353, uuid:d91e3ba7-f969-420a-a962-ceb20ed4bc81, -)
  activity(uuid:d91e3ba7-f969-420a-a962-ceb20ed4bc81, 2026-08-15T18:37:01.854000+01:00, 2026-08-15T18:37:01.854000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:d91e3ba7-f969-420a-a962-ceb20ed4bc81, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1353, app:applications/525/id, -, -, -)
  used(uuid:d91e3ba7-f969-420a-a962-ceb20ed4bc81, app:applications/525/id, -)
  wasAttributedTo(app:creditreports/1353, app:providers/1)
  entity(app:creditreports/1353, [pl:created_at="2026-08-15T18:37:01.854138" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=432])
  entity(app:applications/525/id)
  wasDerivedFrom(app:creditreports/1353, app:records/4434, -, -, -)
  wasDerivedFrom(app:creditreports/1353, app:records/4437, -, -, -)
  wasDerivedFrom(app:creditreports/1353, app:records/4438, -, -, -)
  wasDerivedFrom(app:creditreports/1353, app:records/4436, -, -, -)
  wasDerivedFrom(app:creditreports/1353, app:records/4435, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4434, app:providers/2)
  entity(app:records/4434, [pl:created_at="2026-07-18T00:00:00" %% xsd:dateTime, cs:attr_address="Studio 2, Stewart vista, East Carolyn, M5 5TD", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-12-01" %% xsd:date])
  agent(app:providers/13, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="VOXI"])
  wasAttributedTo(app:records/4435, app:providers/13)
  entity(app:records/4435, [pl:created_at="2026-08-15T18:37:01.859792" %% xsd:dateTime, cs:attr_prev_address="6 Lindsey union, Lake Liamview, W2G 4NS", cs:attr_first_confirmed="2026-07-21" %% xsd:date, cs:attr_address="Studio 2, Stewart vista, East Carolyn, M5 5TD", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-05-02" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4436, app:providers/15)
  entity(app:records/4436, [pl:created_at="2026-08-15T18:37:01.861598" %% xsd:dateTime, cs:attr_payment_amount="48.88" %% 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="1000.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="742.99" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4437, app:providers/15)
  entity(app:records/4437, [pl:created_at="2026-08-15T18:37:01.862368" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Mar-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1000.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="742.99" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4438, app:providers/15)
  entity(app:records/4438, [pl:created_at="2026-08-15T18:37:01.863017" %% xsd:dateTime, cs:attr_payment_amount="60.59" %% xsd:float, cs:attr_month="Oct-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1000.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="742.99" %% xsd:float])
endDocument