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/1598, uuid:502fec57-324c-4125-b10b-ebf6fca186e8, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:502fec57-324c-4125-b10b-ebf6fca186e8, 2026-09-27T12:17:29.464000+01:00, 2026-09-27T12:17:39.196000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:502fec57-324c-4125-b10b-ebf6fca186e8, app:the_bank, -)
  wasDerivedFrom(app:decisions/1598, app:applications/593, -, -, -)
  used(uuid:502fec57-324c-4125-b10b-ebf6fca186e8, app:applications/593, -)
  wasAttributedTo(app:decisions/1598, app:the_bank)
  entity(app:decisions/1598, [pl:created_at="2026-09-27T12:17:39.196330" %% 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'])
  entity(app:applications/593)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/1598, uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec, -)
  activity(uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec, 2026-09-27T12:17:29.464000+01:00, 2026-09-27T12:17:39.196000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec)
  wasDerivedFrom(app:recommendations/1598, app:records/5179, -, -, -)
  wasDerivedFrom(app:recommendations/1598, app:records/5177, -, -, -)
  wasDerivedFrom(app:recommendations/1598, app:records/5176, -, -, -)
  wasDerivedFrom(app:recommendations/1598, app:creditreports/1598, -, -, -)
  wasDerivedFrom(app:recommendations/1598, app:applications/593, -, -, -)
  wasDerivedFrom(app:recommendations/1598, app:records/5178, -, -, -)
  wasAssociatedWith(uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec, app:machines/one, app:models/creditcard_assessment)
  used(uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec, app:records/5178, -)
  used(uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec, app:applications/593, -)
  used(uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec, app:records/5177, -)
  used(uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec, app:records/5179, -)
  used(uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec, app:creditreports/1598, -)
  used(uuid:f34477b6-7d1d-4552-b3c0-8c29c03985ec, app:records/5176, -)
  wasAttributedTo(app:recommendations/1598, app:machines/one)
  entity(app:records/5179)
  entity(app:recommendations/1598, [pl:created_at="2026-09-27T12:17:39.196330" %% 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/5176)
  entity(app:records/5178)
  entity(app:records/5177)
  entity(app:creditreports/1598)
  entity(app:applications/593)
  wasDerivedFrom(app:decisions/1598, app:recommendations/1598, -, -, -)
  entity(app:recommendations/1598)
  entity(app:decisions/1598)
  agent(app:applicants/593, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Annette Scott"])
  wasAttributedTo(app:applications/593, app:applicants/593)
  entity(app:applications/593, [cs:attr_annual_income=28000, pl:created_at="2026-09-27T12:17:29.464069" %% xsd:dateTime, cs:attr_prev_address="Studio 34, Smith lodge, East Sara, PA9 6UW", cs:attr_address="1 Tracy fall, Lake Lukemouth, IG09 1ZZ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1952-09-18" %% xsd:date, cs:attr_emp_title="Sports administrator", cs:attr_home_ownership=2, cs:attr_phone_number="(0117)4960388", cs:attr_email_address="bakergeoffrey@example.net", cs:attr_applicant_name="Annette Scott", cs:attr_emp_length=42])
  wasDerivedFrom(app:applications/593/id, app:applications/593, -, -, -)
  entity(app:applications/593/id, [cs:attr_prev_address="Studio 34, Smith lodge, East Sara, PA9 6UW", cs:attr_address="1 Tracy fall, Lake Lukemouth, IG09 1ZZ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1952-09-18" %% xsd:date, cs:attr_applicant_name="Annette Scott"])
  entity(app:applications/593)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1598, uuid:05700d29-4fcf-4002-b926-55346bfeeb79, -)
  activity(uuid:05700d29-4fcf-4002-b926-55346bfeeb79, 2026-09-27T12:17:39.183000+01:00, 2026-09-27T12:17:39.183000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/1598, app:applications/593/id, -, -, -)
  wasAssociatedWith(uuid:05700d29-4fcf-4002-b926-55346bfeeb79, app:providers/1, -)
  used(uuid:05700d29-4fcf-4002-b926-55346bfeeb79, app:applications/593/id, -)
  wasAttributedTo(app:creditreports/1598, app:providers/1)
  entity(app:applications/593/id)
  entity(app:creditreports/1598, [pl:created_at="2026-09-27T12:17:39.183647" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=86])
  wasDerivedFrom(app:creditreports/1598, app:records/5177, -, -, -)
  wasDerivedFrom(app:creditreports/1598, app:records/5178, -, -, -)
  wasDerivedFrom(app:creditreports/1598, app:records/5179, -, -, -)
  wasDerivedFrom(app:creditreports/1598, app:records/5175, -, -, -)
  wasDerivedFrom(app:creditreports/1598, app:records/5176, -, -, -)
  wasDerivedFrom(app:creditreports/1598, app:records/5174, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/5174, app:providers/2)
  entity(app:records/5174, [pl:created_at="2026-09-09T00:00:00" %% xsd:dateTime, cs:attr_address="1 Tracy fall, Lake Lukemouth, IG09 1ZZ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2026-03-18" %% xsd:date])
  agent(app:providers/7, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Tesco Mobile"])
  wasAttributedTo(app:records/5175, app:providers/7)
  entity(app:records/5175, [pl:created_at="2026-09-27T12:17:39.190732" %% xsd:dateTime, cs:attr_prev_address="Studio 34, Smith lodge, East Sara, PA9 6UW", cs:attr_first_confirmed="2026-09-16" %% xsd:date, cs:attr_address="1 Tracy fall, Lake Lukemouth, IG09 1ZZ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-10-21" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5176, app:providers/15)
  entity(app:records/5176, [pl:created_at="2026-09-27T12:17:39.192463" %% xsd:dateTime, cs:attr_payment_amount="76.02" %% 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="2800.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1619.05" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5177, app:providers/15)
  entity(app:records/5177, [pl:created_at="2026-09-27T12:17:39.193444" %% xsd:dateTime, cs:attr_payment_amount="93.78" %% xsd:float, cs:attr_month="Apr-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2800.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1619.05" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5178, app:providers/15)
  entity(app:records/5178, [pl:created_at="2026-09-27T12:17:39.194223" %% xsd:dateTime, cs:attr_payment_amount="45.48" %% 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="2800.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1619.05" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5179, app:providers/15)
  entity(app:records/5179, [pl:created_at="2026-09-27T12:17:39.195075" %% xsd:dateTime, cs:attr_payment_amount="57.58" %% xsd:float, cs:attr_month="Aug-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2800.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1619.05" %% xsd:float])
endDocument