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/1441, uuid:fa2a42e3-13ce-42af-8ea9-aeddbf239db8, -)
  activity(uuid:fa2a42e3-13ce-42af-8ea9-aeddbf239db8, 2026-09-07T02:58:36.538000+01:00, 2026-09-07T02:58:49.066000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1441, app:applications/546, -, -, -)
  wasAssociatedWith(uuid:fa2a42e3-13ce-42af-8ea9-aeddbf239db8, app:the_bank, -)
  used(uuid:fa2a42e3-13ce-42af-8ea9-aeddbf239db8, app:applications/546, -)
  wasAttributedTo(app:decisions/1441, app:the_bank)
  entity(app:applications/546)
  entity(app:decisions/1441, [pl:created_at="2026-09-07T02:58:49.066689" %% 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/1441, uuid:64f7e767-4959-4702-b3e0-11806e1116c4, -)
  activity(uuid:64f7e767-4959-4702-b3e0-11806e1116c4, 2026-09-07T02:58:36.538000+01:00, 2026-09-07T02:58:49.066000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:64f7e767-4959-4702-b3e0-11806e1116c4)
  wasDerivedFrom(app:recommendations/1441, app:creditreports/1441, -, -, -)
  wasDerivedFrom(app:recommendations/1441, app:applications/546, -, -, -)
  wasDerivedFrom(app:recommendations/1441, app:records/4699, -, -, -)
  wasAssociatedWith(uuid:64f7e767-4959-4702-b3e0-11806e1116c4, app:machines/one, app:models/creditcard_assessment)
  used(uuid:64f7e767-4959-4702-b3e0-11806e1116c4, app:records/4699, -)
  used(uuid:64f7e767-4959-4702-b3e0-11806e1116c4, app:applications/546, -)
  used(uuid:64f7e767-4959-4702-b3e0-11806e1116c4, app:creditreports/1441, -)
  wasAttributedTo(app:recommendations/1441, app:machines/one)
  entity(app:models/creditcard_assessment)
  entity(app:applications/546)
  entity(app:creditreports/1441)
  entity(app:records/4699)
  entity(app:recommendations/1441, [pl:created_at="2026-09-07T02:58:49.066689" %% 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/1441, app:recommendations/1441, -, -, -)
  entity(app:decisions/1441)
  entity(app:recommendations/1441)
  agent(app:applicants/546, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Vincent Fry-Wood"])
  wasAttributedTo(app:applications/546, app:applicants/546)
  entity(app:applications/546, [cs:attr_annual_income=27000, pl:created_at="2026-09-07T02:58:36.538012" %% xsd:dateTime, cs:attr_prev_address="Flat 91, Aaron turnpike, North Dennisland, L06 2LJ", cs:attr_address="Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1998-10-08" %% xsd:date, cs:attr_emp_title="Clothing/textile technologist", cs:attr_home_ownership=3, cs:attr_phone_number="+44(0)292018368", cs:attr_email_address="jennabanks@example.org", cs:attr_applicant_name="Vincent Fry-Wood", cs:attr_emp_length=6])
  wasDerivedFrom(app:applications/546/id, app:applications/546, -, -, -)
  entity(app:applications/546/id, [cs:attr_prev_address="Flat 91, Aaron turnpike, North Dennisland, L06 2LJ", cs:attr_address="Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1998-10-08" %% xsd:date, cs:attr_applicant_name="Vincent Fry-Wood"])
  entity(app:applications/546)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1441, uuid:d0583906-8ba3-4d78-a224-41dbea8ee181, -)
  activity(uuid:d0583906-8ba3-4d78-a224-41dbea8ee181, 2026-09-07T02:58:49.057000+01:00, 2026-09-07T02:58:49.057000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:d0583906-8ba3-4d78-a224-41dbea8ee181, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1441, app:applications/546/id, -, -, -)
  used(uuid:d0583906-8ba3-4d78-a224-41dbea8ee181, app:applications/546/id, -)
  wasAttributedTo(app:creditreports/1441, app:providers/1)
  entity(app:applications/546/id)
  entity(app:creditreports/1441, [pl:created_at="2026-09-07T02:58:49.057750" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=611])
  wasDerivedFrom(app:creditreports/1441, app:records/4698, -, -, -)
  wasDerivedFrom(app:creditreports/1441, app:records/4699, -, -, -)
  wasDerivedFrom(app:creditreports/1441, app:records/4697, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/4697, app:providers/2)
  entity(app:records/4697, [pl:created_at="2026-08-13T00:00:00" %% xsd:dateTime, cs:attr_address="Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-01-22" %% xsd:date])
  agent(app:providers/13, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="VOXI"])
  wasAttributedTo(app:records/4698, app:providers/13)
  entity(app:records/4698, [pl:created_at="2026-09-07T02:58:49.064063" %% xsd:dateTime, cs:attr_prev_address="Flat 91, Aaron turnpike, North Dennisland, L06 2LJ", cs:attr_first_confirmed="2026-09-02" %% xsd:date, cs:attr_address="Studio 36S, Macdonald cliffs, West Katyberg, DL6E 9PL", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-08-19" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/4699, app:providers/15)
  entity(app:records/4699, [pl:created_at="2026-09-07T02:58:49.065618" %% xsd:dateTime, cs:attr_payment_amount="53.99" %% 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="1200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="557.59" %% xsd:float])
endDocument