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/858, uuid:90689ded-668d-4e4d-8e01-8ab102d96c07, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:90689ded-668d-4e4d-8e01-8ab102d96c07, 2026-04-05T13:14:32.669000+01:00, 2026-04-07T02:04:26.934000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:90689ded-668d-4e4d-8e01-8ab102d96c07, app:the_bank, -)
  wasDerivedFrom(app:decisions/858, app:applications/391, -, -, -)
  used(uuid:90689ded-668d-4e4d-8e01-8ab102d96c07, app:applications/391, -)
  wasAttributedTo(app:decisions/858, app:the_bank)
  entity(app:decisions/858, [pl:created_at="2026-04-07T02:04:26.934971" %% 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/391)
  wasGeneratedBy(app:recommendations/858, uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8)
  activity(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, 2026-04-05T13:14:32.669000+01:00, 2026-04-07T02:04:26.934000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/858, app:records/2903, -, -, -)
  wasDerivedFrom(app:recommendations/858, app:creditreports/858, -, -, -)
  wasDerivedFrom(app:recommendations/858, app:records/2919, -, -, -)
  wasDerivedFrom(app:recommendations/858, app:records/2902, -, -, -)
  wasDerivedFrom(app:recommendations/858, app:applications/391, -, -, -)
  wasDerivedFrom(app:recommendations/858, app:records/2920, -, -, -)
  wasDerivedFrom(app:recommendations/858, app:records/2904, -, -, -)
  wasDerivedFrom(app:recommendations/858, app:records/2905, -, -, -)
  wasDerivedFrom(app:recommendations/858, app:records/2921, -, -, -)
  wasDerivedFrom(app:recommendations/858, app:records/2918, -, -, -)
  wasAssociatedWith(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:machines/one, app:models/creditcard_assessment)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:records/2918, -)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:records/2921, -)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:creditreports/858, -)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:applications/391, -)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:records/2903, -)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:records/2904, -)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:records/2920, -)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:records/2905, -)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:records/2902, -)
  used(uuid:80a685d9-a2cd-4aab-8681-4c8fa2dafeb8, app:records/2919, -)
  wasAttributedTo(app:recommendations/858, app:machines/one)
  entity(app:recommendations/858, [pl:created_at="2026-04-07T02:04:26.934971" %% 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/2918)
  entity(app:creditreports/858)
  entity(app:records/2919)
  entity(app:models/creditcard_assessment)
  entity(app:records/2903)
  entity(app:records/2904)
  entity(app:records/2905)
  entity(app:records/2921)
  entity(app:applications/391)
  entity(app:records/2902)
  entity(app:records/2920)
  wasDerivedFrom(app:decisions/858, app:recommendations/858, -, -, -)
  entity(app:recommendations/858)
  entity(app:decisions/858)
  agent(app:applicants/391, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Toby Dunn-Spencer"])
  wasAttributedTo(app:applications/391, app:applicants/391)
  entity(app:applications/391, [cs:attr_annual_income=87000, pl:created_at="2026-04-05T13:14:32.669218" %% xsd:dateTime, cs:attr_prev_address="91 Russell street, Burkeport, IV01 9AE", cs:attr_address="4 Jemma plains, Port Royberg, BN9V 2EE", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="2004-10-17" %% xsd:date, cs:attr_emp_title="Secondary school teacher", cs:attr_home_ownership=2, cs:attr_phone_number="(0161) 4960750", cs:attr_email_address="lindsey39@example.org", cs:attr_applicant_name="Toby Dunn-Spencer", cs:attr_emp_length=1])
  wasDerivedFrom(app:applications/391/id, app:applications/391, -, -, -)
  entity(app:applications/391/id, [cs:attr_prev_address="91 Russell street, Burkeport, IV01 9AE", cs:attr_address="4 Jemma plains, Port Royberg, BN9V 2EE", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="2004-10-17" %% xsd:date, cs:attr_applicant_name="Toby Dunn-Spencer"])
  entity(app:applications/391)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/858, uuid:419cfa65-5357-409e-94fb-7c189ff41d3f, -)
  activity(uuid:419cfa65-5357-409e-94fb-7c189ff41d3f, 2026-04-07T02:04:26.928000+01:00, 2026-04-07T02:04:26.928000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:419cfa65-5357-409e-94fb-7c189ff41d3f, app:providers/1, -)
  wasDerivedFrom(app:creditreports/858, app:applications/391/id, -, -, -)
  wasAttributedTo(app:creditreports/858, app:providers/1)
  used(uuid:419cfa65-5357-409e-94fb-7c189ff41d3f, app:applications/391/id, -)
  entity(app:creditreports/858, [pl:created_at="2026-04-07T02:04:26.928096" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=696])
  entity(app:applications/391/id)
  wasDerivedFrom(app:creditreports/858, app:records/2920, -, -, -)
  wasDerivedFrom(app:creditreports/858, app:records/2919, -, -, -)
  wasDerivedFrom(app:creditreports/858, app:records/2900, -, -, -)
  wasDerivedFrom(app:creditreports/858, app:records/2921, -, -, -)
  wasDerivedFrom(app:creditreports/858, app:records/2918, -, -, -)
  wasDerivedFrom(app:creditreports/858, app:records/2901, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/2900, app:providers/2)
  entity(app:records/2900, [pl:created_at="2026-03-11T00:00:00" %% xsd:dateTime, cs:attr_address="4 Jemma plains, Port Royberg, BN9V 2EE", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2023-10-23" %% xsd:date])
  agent(app:providers/3, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="EE"])
  wasAttributedTo(app:records/2901, app:providers/3)
  entity(app:records/2901, [pl:created_at="2026-04-05T20:19:30.106901" %% xsd:dateTime, cs:attr_prev_address="91 Russell street, Burkeport, IV01 9AE", cs:attr_first_confirmed="2026-03-09" %% xsd:date, cs:attr_address="4 Jemma plains, Port Royberg, BN9V 2EE", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-07-07" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/2920, app:providers/15)
  entity(app:records/2920, [pl:created_at="2026-04-07T02:04:26.933496" %% xsd:dateTime, cs:attr_payment_amount="14.51" %% 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="2600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="856.22" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/2921, app:providers/15)
  entity(app:records/2921, [pl:created_at="2026-04-07T02:04:26.934067" %% xsd:dateTime, cs:attr_payment_amount="34.74" %% xsd:float, cs:attr_month="Jan-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="856.22" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/2918, app:providers/15)
  entity(app:records/2918, [pl:created_at="2026-04-07T02:04:26.932077" %% xsd:dateTime, cs:attr_payment_amount="16.05" %% 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="2600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="856.22" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/2919, app:providers/15)
  entity(app:records/2919, [pl:created_at="2026-04-07T02:04:26.932890" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Mar-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="856.22" %% xsd:float])
endDocument