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/1436, uuid:e6eae05d-85c4-4d25-8629-26ef30c881ee, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:e6eae05d-85c4-4d25-8629-26ef30c881ee, 2026-09-05T14:07:10.535000+01:00, 2026-09-05T14:07:30.510000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:e6eae05d-85c4-4d25-8629-26ef30c881ee, app:the_bank, -)
  wasDerivedFrom(app:decisions/1436, app:applications/544, -, -, -)
  used(uuid:e6eae05d-85c4-4d25-8629-26ef30c881ee, app:applications/544, -)
  wasAttributedTo(app:decisions/1436, app:the_bank)
  entity(app:applications/544)
  entity(app:decisions/1436, [pl:created_at="2026-09-05T14:07:30.510112" %% 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/1436, uuid:b7146945-8f07-4626-b1d2-f57c4b8479f8, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:b7146945-8f07-4626-b1d2-f57c4b8479f8, 2026-09-05T14:07:10.535000+01:00, 2026-09-05T14:07:30.510000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:b7146945-8f07-4626-b1d2-f57c4b8479f8)
  wasDerivedFrom(app:recommendations/1436, app:records/4685, -, -, -)
  wasDerivedFrom(app:recommendations/1436, app:records/4684, -, -, -)
  wasDerivedFrom(app:recommendations/1436, app:records/4683, -, -, -)
  wasDerivedFrom(app:recommendations/1436, app:creditreports/1436, -, -, -)
  wasDerivedFrom(app:recommendations/1436, app:applications/544, -, -, -)
  wasAssociatedWith(uuid:b7146945-8f07-4626-b1d2-f57c4b8479f8, app:machines/one, app:models/creditcard_assessment)
  used(uuid:b7146945-8f07-4626-b1d2-f57c4b8479f8, app:creditreports/1436, -)
  used(uuid:b7146945-8f07-4626-b1d2-f57c4b8479f8, app:records/4683, -)
  used(uuid:b7146945-8f07-4626-b1d2-f57c4b8479f8, app:applications/544, -)
  used(uuid:b7146945-8f07-4626-b1d2-f57c4b8479f8, app:records/4685, -)
  used(uuid:b7146945-8f07-4626-b1d2-f57c4b8479f8, app:records/4684, -)
  wasAttributedTo(app:recommendations/1436, app:machines/one)
  entity(app:records/4685)
  entity(app:records/4684)
  entity(app:models/creditcard_assessment)
  entity(app:applications/544)
  entity(app:creditreports/1436)
  entity(app:records/4683)
  entity(app:recommendations/1436, [pl:created_at="2026-09-05T14:07:30.510112" %% 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'])
  wasDerivedFrom(app:decisions/1436, app:recommendations/1436, -, -, -)
  entity(app:recommendations/1436)
  entity(app:decisions/1436)
  agent(app:applicants/544, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Danny Jones-Roberts"])
  wasAttributedTo(app:applications/544, app:applicants/544)
  entity(app:applications/544, [cs:attr_annual_income=73000, pl:created_at="2026-09-05T14:07:10.535142" %% xsd:dateTime, cs:attr_prev_address="Studio 8, Margaret knolls, Lake Janetmouth, GY0E 9SW", cs:attr_address="16 Taylor shores, Deniseside, N8S 9HB", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1997-06-13" %% xsd:date, cs:attr_emp_title="Purchasing manager", cs:attr_home_ownership=4, cs:attr_phone_number="(020)74960901", cs:attr_email_address="hollykelly@example.com", cs:attr_applicant_name="Danny Jones-Roberts", cs:attr_emp_length=7])
  wasDerivedFrom(app:applications/544/id, app:applications/544, -, -, -)
  entity(app:applications/544)
  entity(app:applications/544/id, [cs:attr_prev_address="Studio 8, Margaret knolls, Lake Janetmouth, GY0E 9SW", cs:attr_address="16 Taylor shores, Deniseside, N8S 9HB", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1997-06-13" %% xsd:date, cs:attr_applicant_name="Danny Jones-Roberts"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1436, uuid:a9c0a8e1-4371-462e-a77c-c321be0ab5b8, -)
  activity(uuid:a9c0a8e1-4371-462e-a77c-c321be0ab5b8, 2026-09-05T14:07:30.497000+01:00, 2026-09-05T14:07:30.497000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:a9c0a8e1-4371-462e-a77c-c321be0ab5b8, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1436, app:applications/544/id, -, -, -)
  used(uuid:a9c0a8e1-4371-462e-a77c-c321be0ab5b8, app:applications/544/id, -)
  wasAttributedTo(app:creditreports/1436, app:providers/1)
  entity(app:creditreports/1436, [pl:created_at="2026-09-05T14:07:30.497194" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=320])
  entity(app:applications/544/id)
  wasDerivedFrom(app:creditreports/1436, app:records/4683, -, -, -)
  wasDerivedFrom(app:creditreports/1436, app:records/4681, -, -, -)
  wasDerivedFrom(app:creditreports/1436, app:records/4682, -, -, -)
  wasDerivedFrom(app:creditreports/1436, app:records/4684, -, -, -)
  wasDerivedFrom(app:creditreports/1436, app:records/4685, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4681, app:providers/2)
  entity(app:records/4681, [pl:created_at="2026-08-19T00:00:00" %% xsd:dateTime, cs:attr_address="16 Taylor shores, Deniseside, N8S 9HB", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-04-05" %% xsd:date])
  agent(app:providers/11, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Sky"])
  wasAttributedTo(app:records/4682, app:providers/11)
  entity(app:records/4682, [pl:created_at="2026-09-05T14:07:30.504047" %% xsd:dateTime, cs:attr_prev_address="Studio 8, Margaret knolls, Lake Janetmouth, GY0E 9SW", cs:attr_first_confirmed="2026-08-30" %% xsd:date, cs:attr_address="16 Taylor shores, Deniseside, N8S 9HB", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-07-16" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4683, app:providers/14)
  entity(app:records/4683, [pl:created_at="2026-09-05T14:07:30.506336" %% xsd:dateTime, cs:attr_payment_amount="3.18" %% xsd:float, cs:attr_month="Dec-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1424.38" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4684, app:providers/14)
  entity(app:records/4684, [pl:created_at="2026-09-05T14:07:30.507624" %% xsd:dateTime, cs:attr_payment_amount="75.73" %% 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="1600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1424.38" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/4685, app:providers/14)
  entity(app:records/4685, [pl:created_at="2026-09-05T14:07:30.508456" %% 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="1600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1424.38" %% xsd:float])
endDocument