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/1356, uuid:95ea3793-cc57-4370-820c-afd82e3de9e3, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:95ea3793-cc57-4370-820c-afd82e3de9e3, 2026-08-15T18:35:00.963000+01:00, 2026-08-16T10:51:42.978000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:95ea3793-cc57-4370-820c-afd82e3de9e3, app:the_bank, -)
  wasDerivedFrom(app:decisions/1356, app:applications/526, -, -, -)
  used(uuid:95ea3793-cc57-4370-820c-afd82e3de9e3, app:applications/526, -)
  wasAttributedTo(app:decisions/1356, app:the_bank)
  entity(app:applications/526)
  entity(app:decisions/1356, [pl:created_at="2026-08-16T10:51:42.978276" %% 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/1356, uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d)
  activity(uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d, 2026-08-15T18:35:00.963000+01:00, 2026-08-16T10:51:42.978000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1356, app:creditreports/1356, -, -, -)
  wasDerivedFrom(app:recommendations/1356, app:records/4450, -, -, -)
  wasDerivedFrom(app:recommendations/1356, app:records/4448, -, -, -)
  wasDerivedFrom(app:recommendations/1356, app:applications/526, -, -, -)
  wasDerivedFrom(app:recommendations/1356, app:records/4449, -, -, -)
  wasDerivedFrom(app:recommendations/1356, app:records/4451, -, -, -)
  wasAssociatedWith(uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d, app:machines/one, app:models/creditcard_assessment)
  wasAttributedTo(app:recommendations/1356, app:machines/one)
  used(uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d, app:records/4449, -)
  used(uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d, app:applications/526, -)
  used(uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d, app:records/4450, -)
  used(uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d, app:records/4451, -)
  used(uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d, app:records/4448, -)
  used(uuid:fe412af8-8c61-4407-bb7c-4b950dcef10d, app:creditreports/1356, -)
  entity(app:recommendations/1356, [pl:created_at="2026-08-16T10:51:42.978276" %% 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:records/4450)
  entity(app:records/4451)
  entity(app:applications/526)
  entity(app:creditreports/1356)
  entity(app:records/4449)
  entity(app:records/4448)
  wasDerivedFrom(app:decisions/1356, app:recommendations/1356, -, -, -)
  entity(app:recommendations/1356)
  entity(app:decisions/1356)
  agent(app:applicants/526, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Glen Davies"])
  wasAttributedTo(app:applications/526, app:applicants/526)
  entity(app:applications/526, [cs:attr_annual_income=15000, pl:created_at="2026-08-15T18:35:00.963751" %% xsd:dateTime, cs:attr_prev_address="Flat 07, Walker cape, Reynoldsborough, B16 3YW", cs:attr_address="Flat 19, Lynda ferry, South Harrybury, B8E 2LD", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1958-06-30" %% xsd:date, cs:attr_emp_title="Insurance risk surveyor", cs:attr_home_ownership=1, cs:attr_phone_number="+44(0)1174960679", cs:attr_email_address="jane49@example.com", cs:attr_applicant_name="Glen Davies", cs:attr_emp_length=31])
  wasDerivedFrom(app:applications/526/id, app:applications/526, -, -, -)
  entity(app:applications/526)
  entity(app:applications/526/id, [cs:attr_prev_address="Flat 07, Walker cape, Reynoldsborough, B16 3YW", cs:attr_address="Flat 19, Lynda ferry, South Harrybury, B8E 2LD", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1958-06-30" %% xsd:date, cs:attr_applicant_name="Glen Davies"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1356, uuid:b16e1f68-8b94-4a0a-8836-47fd132f0ff5, -)
  activity(uuid:b16e1f68-8b94-4a0a-8836-47fd132f0ff5, 2026-08-16T10:51:42.967000+01:00, 2026-08-16T10:51:42.967000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1356, app:applications/526/id, -, -, -)
  wasAssociatedWith(uuid:b16e1f68-8b94-4a0a-8836-47fd132f0ff5, app:providers/1, -)
  used(uuid:b16e1f68-8b94-4a0a-8836-47fd132f0ff5, app:applications/526/id, -)
  wasAttributedTo(app:creditreports/1356, app:providers/1)
  entity(app:creditreports/1356, [pl:created_at="2026-08-16T10:51:42.967326" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=429])
  entity(app:applications/526/id)
  wasDerivedFrom(app:creditreports/1356, app:records/4447, -, -, -)
  wasDerivedFrom(app:creditreports/1356, app:records/4449, -, -, -)
  wasDerivedFrom(app:creditreports/1356, app:records/4450, -, -, -)
  wasDerivedFrom(app:creditreports/1356, app:records/4451, -, -, -)
  wasDerivedFrom(app:creditreports/1356, app:records/4448, -, -, -)
  wasDerivedFrom(app:creditreports/1356, app:records/4446, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4446, app:providers/2)
  entity(app:records/4446, [pl:created_at="2026-08-02T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 19, Lynda ferry, South Harrybury, B8E 2LD", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-11-04" %% xsd:date])
  agent(app:providers/5, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Vodafone"])
  wasAttributedTo(app:records/4447, app:providers/5)
  entity(app:records/4447, [pl:created_at="2026-08-16T10:51:42.973563" %% xsd:dateTime, cs:attr_prev_address="Flat 07, Walker cape, Reynoldsborough, B16 3YW", cs:attr_first_confirmed="2026-07-23" %% xsd:date, cs:attr_address="Flat 19, Lynda ferry, South Harrybury, B8E 2LD", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-05-10" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4448, app:providers/15)
  entity(app:records/4448, [pl:created_at="2026-08-16T10:51:42.975099" %% 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="2400.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="703.38" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4449, app:providers/15)
  entity(app:records/4449, [pl:created_at="2026-08-16T10:51:42.975873" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Apr-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2400.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="703.38" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4450, app:providers/15)
  entity(app:records/4450, [pl:created_at="2026-08-16T10:51:42.976497" %% xsd:dateTime, cs:attr_payment_amount="39.81" %% 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="2400.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="703.38" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4451, app:providers/15)
  entity(app:records/4451, [pl:created_at="2026-08-16T10:51:42.977063" %% xsd:dateTime, cs:attr_payment_amount="13.46" %% 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="2400.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="703.38" %% xsd:float])
endDocument