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/1691, uuid:3976f192-0afd-4713-aea0-8edb8e16347f, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:3976f192-0afd-4713-aea0-8edb8e16347f, 2026-10-13T22:01:46.668000+01:00, 2026-10-13T22:02:10.221000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/1691, app:applications/610, -, -, -)
  wasAssociatedWith(uuid:3976f192-0afd-4713-aea0-8edb8e16347f, app:the_bank, -)
  used(uuid:3976f192-0afd-4713-aea0-8edb8e16347f, app:applications/610, -)
  wasAttributedTo(app:decisions/1691, app:the_bank)
  entity(app:applications/610)
  entity(app:decisions/1691, [pl:created_at="2026-10-13T22:02:10.221592" %% 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/1691, uuid:d08e2a7f-f99f-45b8-b128-7ee003fbab5c, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:d08e2a7f-f99f-45b8-b128-7ee003fbab5c)
  activity(uuid:d08e2a7f-f99f-45b8-b128-7ee003fbab5c, 2026-10-13T22:01:46.668000+01:00, 2026-10-13T22:02:10.221000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/1691, app:applications/610, -, -, -)
  wasDerivedFrom(app:recommendations/1691, app:records/5451, -, -, -)
  wasDerivedFrom(app:recommendations/1691, app:creditreports/1691, -, -, -)
  wasAssociatedWith(uuid:d08e2a7f-f99f-45b8-b128-7ee003fbab5c, app:machines/one, app:models/creditcard_assessment)
  used(uuid:d08e2a7f-f99f-45b8-b128-7ee003fbab5c, app:creditreports/1691, -)
  used(uuid:d08e2a7f-f99f-45b8-b128-7ee003fbab5c, app:records/5451, -)
  used(uuid:d08e2a7f-f99f-45b8-b128-7ee003fbab5c, app:applications/610, -)
  wasAttributedTo(app:recommendations/1691, app:machines/one)
  entity(app:creditreports/1691)
  entity(app:applications/610)
  entity(app:models/creditcard_assessment)
  entity(app:records/5451)
  entity(app:recommendations/1691, [pl:created_at="2026-10-13T22:02:10.221592" %% 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/1691, app:recommendations/1691, -, -, -)
  entity(app:decisions/1691)
  entity(app:recommendations/1691)
  agent(app:applicants/610, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Harriet Simpson"])
  wasAttributedTo(app:applications/610, app:applicants/610)
  entity(app:applications/610, [cs:attr_annual_income=91000, pl:created_at="2026-10-13T22:01:46.668077" %% xsd:dateTime, cs:attr_prev_address="2 Williams green, Port Beverleystad, L1D 8QD", cs:attr_address="97 Bentley inlet, South Gail, B6A 4FF", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1990-10-12" %% xsd:date, cs:attr_emp_title="Administrator, education", cs:attr_home_ownership=2, cs:attr_phone_number="+44(0)161 496 0775", cs:attr_email_address="gavin66@example.net", cs:attr_applicant_name="Harriet Simpson", cs:attr_emp_length=3])
  wasDerivedFrom(app:applications/610/id, app:applications/610, -, -, -)
  entity(app:applications/610)
  entity(app:applications/610/id, [cs:attr_prev_address="2 Williams green, Port Beverleystad, L1D 8QD", cs:attr_address="97 Bentley inlet, South Gail, B6A 4FF", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1990-10-12" %% xsd:date, cs:attr_applicant_name="Harriet Simpson"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/1691, uuid:7d046df9-9416-4a4f-98e0-6b28c6fd0e60, -)
  activity(uuid:7d046df9-9416-4a4f-98e0-6b28c6fd0e60, 2026-10-13T22:02:10.211000+01:00, 2026-10-13T22:02:10.211000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:7d046df9-9416-4a4f-98e0-6b28c6fd0e60, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1691, app:applications/610/id, -, -, -)
  used(uuid:7d046df9-9416-4a4f-98e0-6b28c6fd0e60, app:applications/610/id, -)
  wasAttributedTo(app:creditreports/1691, app:providers/1)
  entity(app:creditreports/1691, [pl:created_at="2026-10-13T22:02:10.211015" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=520])
  entity(app:applications/610/id)
  wasDerivedFrom(app:creditreports/1691, app:records/5450, -, -, -)
  wasDerivedFrom(app:creditreports/1691, app:records/5451, -, -, -)
  wasDerivedFrom(app:creditreports/1691, app:records/5449, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/5449, app:providers/2)
  entity(app:records/5449, [pl:created_at="2026-09-24T00:00:00" %% xsd:dateTime, cs:attr_address="97 Bentley inlet, South Gail, B6A 4FF", 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/5450, app:providers/13)
  entity(app:records/5450, [pl:created_at="2026-10-13T22:02:10.217288" %% xsd:dateTime, cs:attr_prev_address="2 Williams green, Port Beverleystad, L1D 8QD", cs:attr_first_confirmed="2026-10-03" %% xsd:date, cs:attr_address="97 Bentley inlet, South Gail, B6A 4FF", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-04-14" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5451, app:providers/15)
  entity(app:records/5451, [pl:created_at="2026-10-13T22:02:10.219854" %% 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="573.48" %% xsd:float])
endDocument