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/857, uuid:f6935804-1291-4951-9fe1-158bccf033bf, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:f6935804-1291-4951-9fe1-158bccf033bf, 2026-04-06T19:19:25.651000+01:00, 2026-04-06T20:04:43.267000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/857, app:applications/392, -, -, -)
  wasAssociatedWith(uuid:f6935804-1291-4951-9fe1-158bccf033bf, app:the_bank, -)
  wasAttributedTo(app:decisions/857, app:the_bank)
  used(uuid:f6935804-1291-4951-9fe1-158bccf033bf, app:applications/392, -)
  entity(app:decisions/857, [pl:created_at="2026-04-06T20:04:43.267287" %% 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/392)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/857, uuid:a59430ec-3c9e-40de-8184-623e2e17a8be, -)
  activity(uuid:a59430ec-3c9e-40de-8184-623e2e17a8be, 2026-04-06T19:19:25.651000+01:00, 2026-04-06T20:04:43.267000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:a59430ec-3c9e-40de-8184-623e2e17a8be)
  wasDerivedFrom(app:recommendations/857, app:records/2917, -, -, -)
  wasDerivedFrom(app:recommendations/857, app:creditreports/857, -, -, -)
  wasDerivedFrom(app:recommendations/857, app:applications/392, -, -, -)
  wasAssociatedWith(uuid:a59430ec-3c9e-40de-8184-623e2e17a8be, app:machines/one, app:models/creditcard_assessment)
  used(uuid:a59430ec-3c9e-40de-8184-623e2e17a8be, app:creditreports/857, -)
  used(uuid:a59430ec-3c9e-40de-8184-623e2e17a8be, app:applications/392, -)
  used(uuid:a59430ec-3c9e-40de-8184-623e2e17a8be, app:records/2917, -)
  wasAttributedTo(app:recommendations/857, app:machines/one)
  entity(app:creditreports/857)
  entity(app:recommendations/857, [pl:created_at="2026-04-06T20:04:43.267287" %% 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/2917)
  entity(app:applications/392)
  wasDerivedFrom(app:decisions/857, app:recommendations/857, -, -, -)
  entity(app:recommendations/857)
  entity(app:decisions/857)
  agent(app:applicants/392, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Sian Ward"])
  wasAttributedTo(app:applications/392, app:applicants/392)
  entity(app:applications/392, [cs:attr_annual_income=51000, pl:created_at="2026-04-06T19:19:25.651449" %% xsd:dateTime, cs:attr_prev_address="9 Tracey loop, Gibsonstad, N4F 3QE", cs:attr_address="48 Johnson circle, New Gavinmouth, M0 0JB", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1963-12-13" %% xsd:date, cs:attr_emp_title="Horticultural therapist", cs:attr_home_ownership=1, cs:attr_phone_number="+44191 496 0303", cs:attr_email_address="callum68@example.org", cs:attr_applicant_name="Sian Ward", cs:attr_emp_length=25])
  wasDerivedFrom(app:applications/392/id, app:applications/392, -, -, -)
  entity(app:applications/392/id, [cs:attr_prev_address="9 Tracey loop, Gibsonstad, N4F 3QE", cs:attr_address="48 Johnson circle, New Gavinmouth, M0 0JB", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1963-12-13" %% xsd:date, cs:attr_applicant_name="Sian Ward"])
  entity(app:applications/392)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/857, uuid:5ae19138-7313-47ac-81c9-54e43cf21f1b, -)
  activity(uuid:5ae19138-7313-47ac-81c9-54e43cf21f1b, 2026-04-06T20:04:43.260000+01:00, 2026-04-06T20:04:43.260000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:5ae19138-7313-47ac-81c9-54e43cf21f1b, app:providers/1, -)
  wasDerivedFrom(app:creditreports/857, app:applications/392/id, -, -, -)
  used(uuid:5ae19138-7313-47ac-81c9-54e43cf21f1b, app:applications/392/id, -)
  wasAttributedTo(app:creditreports/857, app:providers/1)
  entity(app:creditreports/857, [pl:created_at="2026-04-06T20:04:43.260354" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=554])
  entity(app:applications/392/id)
  wasDerivedFrom(app:creditreports/857, app:records/2916, -, -, -)
  wasDerivedFrom(app:creditreports/857, app:records/2917, -, -, -)
  wasDerivedFrom(app:creditreports/857, app:records/2915, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/2915, app:providers/2)
  entity(app:records/2915, [pl:created_at="2026-03-13T00:00:00" %% xsd:dateTime, cs:attr_address="48 Johnson circle, New Gavinmouth, M0 0JB", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2026-02-03" %% xsd:date])
  agent(app:providers/3, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="EE"])
  wasAttributedTo(app:records/2916, app:providers/3)
  entity(app:records/2916, [pl:created_at="2026-04-06T20:04:43.264908" %% xsd:dateTime, cs:attr_prev_address="9 Tracey loop, Gibsonstad, N4F 3QE", cs:attr_first_confirmed="2026-03-28" %% xsd:date, cs:attr_address="48 Johnson circle, New Gavinmouth, M0 0JB", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-06-21" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/2917, app:providers/15)
  entity(app:records/2917, [pl:created_at="2026-04-06T20:04:43.266349" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Dec-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1800.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1144.87" %% xsd:float])
endDocument