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/1715, uuid:862848e5-779c-4725-b0c9-72c9c95d793d, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:862848e5-779c-4725-b0c9-72c9c95d793d, 2026-10-15T19:09:34.216000+01:00, 2026-10-17T04:21:38.241000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:862848e5-779c-4725-b0c9-72c9c95d793d, app:the_bank, -)
  wasDerivedFrom(app:decisions/1715, app:applications/612, -, -, -)
  wasAttributedTo(app:decisions/1715, app:the_bank)
  used(uuid:862848e5-779c-4725-b0c9-72c9c95d793d, app:applications/612, -)
  entity(app:applications/612)
  entity(app:decisions/1715, [pl:created_at="2026-10-17T04:21:38.241860" %% 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/1715, uuid:116403bb-70ec-464f-8898-18c28ad52a3b, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:116403bb-70ec-464f-8898-18c28ad52a3b)
  activity(uuid:116403bb-70ec-464f-8898-18c28ad52a3b, 2026-10-15T19:09:34.216000+01:00, 2026-10-17T04:21:38.241000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasAssociatedWith(uuid:116403bb-70ec-464f-8898-18c28ad52a3b, app:machines/one, app:models/creditcard_assessment)
  wasDerivedFrom(app:recommendations/1715, app:records/5516, -, -, -)
  wasDerivedFrom(app:recommendations/1715, app:records/5518, -, -, -)
  wasDerivedFrom(app:recommendations/1715, app:applications/612, -, -, -)
  wasDerivedFrom(app:recommendations/1715, app:records/5519, -, -, -)
  wasDerivedFrom(app:recommendations/1715, app:records/5517, -, -, -)
  wasDerivedFrom(app:recommendations/1715, app:creditreports/1715, -, -, -)
  used(uuid:116403bb-70ec-464f-8898-18c28ad52a3b, app:records/5519, -)
  used(uuid:116403bb-70ec-464f-8898-18c28ad52a3b, app:applications/612, -)
  used(uuid:116403bb-70ec-464f-8898-18c28ad52a3b, app:records/5518, -)
  used(uuid:116403bb-70ec-464f-8898-18c28ad52a3b, app:records/5516, -)
  used(uuid:116403bb-70ec-464f-8898-18c28ad52a3b, app:records/5517, -)
  used(uuid:116403bb-70ec-464f-8898-18c28ad52a3b, app:creditreports/1715, -)
  wasAttributedTo(app:recommendations/1715, app:machines/one)
  entity(app:creditreports/1715)
  entity(app:models/creditcard_assessment)
  entity(app:applications/612)
  entity(app:records/5518)
  entity(app:records/5517)
  entity(app:recommendations/1715, [pl:created_at="2026-10-17T04:21:38.241860" %% 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/5519)
  entity(app:records/5516)
  wasDerivedFrom(app:decisions/1715, app:recommendations/1715, -, -, -)
  entity(app:decisions/1715)
  entity(app:recommendations/1715)
  agent(app:applicants/612, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Donna Fleming"])
  wasAttributedTo(app:applications/612, app:applicants/612)
  entity(app:applications/612, [cs:attr_annual_income=25000, pl:created_at="2026-10-15T19:09:34.216082" %% xsd:dateTime, cs:attr_prev_address="9 Hancock alley, Ashleighstad, M8E 2ZD", cs:attr_address="2 Fiona land, East Alexborough, KY5V 5SX", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="2000-01-13" %% xsd:date, cs:attr_emp_title="Claims inspector/assessor", cs:attr_home_ownership=2, cs:attr_phone_number="01154960148", cs:attr_email_address="davislucy@example.org", cs:attr_applicant_name="Donna Fleming", cs:attr_emp_length=2])
  wasDerivedFrom(app:applications/612/id, app:applications/612, -, -, -)
  entity(app:applications/612)
  entity(app:applications/612/id, [cs:attr_prev_address="9 Hancock alley, Ashleighstad, M8E 2ZD", cs:attr_address="2 Fiona land, East Alexborough, KY5V 5SX", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="2000-01-13" %% xsd:date, cs:attr_applicant_name="Donna Fleming"])
  wasGeneratedBy(app:creditreports/1715, uuid:c2720365-7b08-4ae3-ac10-e42449288a66, -)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  activity(uuid:c2720365-7b08-4ae3-ac10-e42449288a66, 2026-10-17T04:21:38.231000+01:00, 2026-10-17T04:21:38.231000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:c2720365-7b08-4ae3-ac10-e42449288a66, app:providers/1, -)
  wasDerivedFrom(app:creditreports/1715, app:applications/612/id, -, -, -)
  wasAttributedTo(app:creditreports/1715, app:providers/1)
  used(uuid:c2720365-7b08-4ae3-ac10-e42449288a66, app:applications/612/id, -)
  entity(app:creditreports/1715, [pl:created_at="2026-10-17T04:21:38.231416" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=192])
  entity(app:applications/612/id)
  wasDerivedFrom(app:creditreports/1715, app:records/5515, -, -, -)
  wasDerivedFrom(app:creditreports/1715, app:records/5518, -, -, -)
  wasDerivedFrom(app:creditreports/1715, app:records/5519, -, -, -)
  wasDerivedFrom(app:creditreports/1715, app:records/5514, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/5514, app:providers/2)
  entity(app:records/5514, [pl:created_at="2026-09-26T00:00:00" %% xsd:dateTime, cs:attr_address="2 Fiona land, East Alexborough, KY5V 5SX", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2026-01-09" %% xsd:date])
  agent(app:providers/7, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Tesco Mobile"])
  wasAttributedTo(app:records/5515, app:providers/7)
  entity(app:records/5515, [pl:created_at="2026-10-17T04:21:21.794899" %% xsd:dateTime, cs:attr_prev_address="9 Hancock alley, Ashleighstad, M8E 2ZD", cs:attr_first_confirmed="2026-10-13" %% xsd:date, cs:attr_address="2 Fiona land, East Alexborough, KY5V 5SX", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-06-11" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5518, app:providers/15)
  entity(app:records/5518, [pl:created_at="2026-10-17T04:21:38.238684" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jun-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2300.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1841.49" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/5519, app:providers/15)
  entity(app:records/5519, [pl:created_at="2026-10-17T04:21:38.240172" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Feb-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2300.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1841.49" %% xsd:float])
endDocument