document
  prefix app <https://explain.openprovenance.org/creditscoring/>
  prefix pl <http://openprovenance.org/ns/plead#>
  prefix cs <http://openprovenance.org/ns/creditscoring#>
  prefix uuid <urn:uuid:>
  prefix csd <https://explain.openprovenance.org/creditscoring/ns#>
  
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  wasGeneratedBy(app:decisions/1438, uuid:9bf7207c-8bf3-4488-8008-0e7d066c47a9, -)
  activity(uuid:9bf7207c-8bf3-4488-8008-0e7d066c47a9, 2026-09-05T23:55:00.438000+01:00, 2026-09-05T23:55:20.251000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:9bf7207c-8bf3-4488-8008-0e7d066c47a9, app:the_bank, -)
  wasDerivedFrom(app:decisions/1438, app:applications/545, -, -, -)
  used(uuid:9bf7207c-8bf3-4488-8008-0e7d066c47a9, app:applications/545, -)
  wasAttributedTo(app:decisions/1438, app:the_bank)
  entity(app:applications/545)
  entity(app:decisions/1438, [pl:created_at="2026-09-05T23:55:20.251032" %% 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/1438, uuid:607a96fd-55ae-4b85-aa7d-6c10992227e9, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:607a96fd-55ae-4b85-aa7d-6c10992227e9)
  activity(uuid:607a96fd-55ae-4b85-aa7d-6c10992227e9, 2026-09-05T23:55:00.438000+01:00, 2026-09-05T23:55:20.251000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1438, app:records/4690, -, -, -)
  wasDerivedFrom(app:recommendations/1438, app:creditreports/1438, -, -, -)
  wasDerivedFrom(app:recommendations/1438, app:applications/545, -, -, -)
  wasDerivedFrom(app:recommendations/1438, app:records/4691, -, -, -)
  wasDerivedFrom(app:recommendations/1438, app:records/4692, -, -, -)
  wasAssociatedWith(uuid:607a96fd-55ae-4b85-aa7d-6c10992227e9, app:machines/one, app:models/creditcard_assessment)
  wasAttributedTo(app:recommendations/1438, app:machines/one)
  used(uuid:607a96fd-55ae-4b85-aa7d-6c10992227e9, app:records/4691, -)
  used(uuid:607a96fd-55ae-4b85-aa7d-6c10992227e9, app:creditreports/1438, -)
  used(uuid:607a96fd-55ae-4b85-aa7d-6c10992227e9, app:records/4692, -)
  used(uuid:607a96fd-55ae-4b85-aa7d-6c10992227e9, app:applications/545, -)
  used(uuid:607a96fd-55ae-4b85-aa7d-6c10992227e9, app:records/4690, -)
  entity(app:applications/545)
  entity(app:models/creditcard_assessment)
  entity(app:records/4692)
  entity(app:creditreports/1438)
  entity(app:recommendations/1438, [pl:created_at="2026-09-05T23:55:20.251032" %% 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/4691)
  entity(app:records/4690)
  wasDerivedFrom(app:decisions/1438, app:recommendations/1438, -, -, -)
  entity(app:decisions/1438)
  entity(app:recommendations/1438)
  agent(app:applicants/545, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Hayley Walters-Walker"])
  wasAttributedTo(app:applications/545, app:applicants/545)
  entity(app:applications/545, [cs:attr_annual_income=77000, pl:created_at="2026-09-05T23:55:00.438218" %% xsd:dateTime, cs:attr_prev_address="1 Callum flats, Lake Mauriceside, G3 4EJ", cs:attr_address="823 Diane path, New Robinstad, UB0X 6LW", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="2006-09-29" %% xsd:date, cs:attr_emp_title="Air broker", cs:attr_home_ownership=2, cs:attr_phone_number="(0131) 496 0646", cs:attr_email_address="wilsonrachael@example.net", cs:attr_applicant_name="Hayley Walters-Walker", cs:attr_emp_length=0])
  wasDerivedFrom(app:applications/545/id, app:applications/545, -, -, -)
  entity(app:applications/545/id, [cs:attr_prev_address="1 Callum flats, Lake Mauriceside, G3 4EJ", cs:attr_address="823 Diane path, New Robinstad, UB0X 6LW", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="2006-09-29" %% xsd:date, cs:attr_applicant_name="Hayley Walters-Walker"])
  entity(app:applications/545)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1438, uuid:790436a2-2fa7-4fbf-b889-fe6f07726796, -)
  activity(uuid:790436a2-2fa7-4fbf-b889-fe6f07726796, 2026-09-05T23:55:20.239000+01:00, 2026-09-05T23:55:20.239000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:790436a2-2fa7-4fbf-b889-fe6f07726796, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1438, app:applications/545/id, -, -, -)
  used(uuid:790436a2-2fa7-4fbf-b889-fe6f07726796, app:applications/545/id, -)
  wasAttributedTo(app:creditreports/1438, app:providers/1)
  entity(app:applications/545/id)
  entity(app:creditreports/1438, [pl:created_at="2026-09-05T23:55:20.239392" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=270])
  wasDerivedFrom(app:creditreports/1438, app:records/4691, -, -, -)
  wasDerivedFrom(app:creditreports/1438, app:records/4692, -, -, -)
  wasDerivedFrom(app:creditreports/1438, app:records/4689, -, -, -)
  wasDerivedFrom(app:creditreports/1438, app:records/4688, -, -, -)
  wasDerivedFrom(app:creditreports/1438, app:records/4690, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4688, app:providers/2)
  entity(app:records/4688, [pl:created_at="2026-08-06T00:00:00" %% xsd:dateTime, cs:attr_address="823 Diane path, New Robinstad, UB0X 6LW", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-12-25" %% xsd:date])
  agent(app:providers/6, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Three"])
  wasAttributedTo(app:records/4689, app:providers/6)
  entity(app:records/4689, [pl:created_at="2026-09-05T23:55:20.245570" %% xsd:dateTime, cs:attr_prev_address="1 Callum flats, Lake Mauriceside, G3 4EJ", cs:attr_first_confirmed="2026-08-17" %% xsd:date, cs:attr_address="823 Diane path, New Robinstad, UB0X 6LW", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-12-20" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4690, app:providers/15)
  entity(app:records/4690, [pl:created_at="2026-09-05T23:55:20.247699" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="May-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="624.06" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4691, app:providers/15)
  entity(app:records/4691, [pl:created_at="2026-09-05T23:55:20.248902" %% xsd:dateTime, cs:attr_payment_amount="58.14" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="624.06" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4692, app:providers/15)
  entity(app:records/4692, [pl:created_at="2026-09-05T23:55:20.249786" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jan-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="624.06" %% xsd:float])
endDocument