document
  prefix app <https://explain.openprovenance.org/creditscoring/>
  prefix pl <http://openprovenance.org/ns/plead#>
  prefix cs <http://openprovenance.org/ns/creditscoring#>
  prefix uuid <urn:uuid:>
  prefix csd <https://explain.openprovenance.org/creditscoring/ns#>
  
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  wasGeneratedBy(app:decisions/863, uuid:c1bfb7fb-b43b-426f-97f8-0af4d576f561, -)
  activity(uuid:c1bfb7fb-b43b-426f-97f8-0af4d576f561, 2026-04-08T14:07:01.734000+01:00, 2026-04-10T06:28:00.413000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/863, app:applications/393, -, -, -)
  wasAssociatedWith(uuid:c1bfb7fb-b43b-426f-97f8-0af4d576f561, app:the_bank, -)
  wasAttributedTo(app:decisions/863, app:the_bank)
  used(uuid:c1bfb7fb-b43b-426f-97f8-0af4d576f561, app:applications/393, -)
  entity(app:decisions/863, [pl:created_at="2026-04-10T06:28:00.413614" %% 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/393)
  wasGeneratedBy(app:recommendations/863, uuid:f4850c91-919c-406b-8f0e-b3a6c301e8dd, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:f4850c91-919c-406b-8f0e-b3a6c301e8dd, 2026-04-08T14:07:01.734000+01:00, 2026-04-10T06:28:00.413000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:f4850c91-919c-406b-8f0e-b3a6c301e8dd)
  wasDerivedFrom(app:recommendations/863, app:applications/393, -, -, -)
  wasDerivedFrom(app:recommendations/863, app:creditreports/863, -, -, -)
  wasDerivedFrom(app:recommendations/863, app:records/2936, -, -, -)
  wasDerivedFrom(app:recommendations/863, app:records/2935, -, -, -)
  wasAssociatedWith(uuid:f4850c91-919c-406b-8f0e-b3a6c301e8dd, app:machines/one, app:models/creditcard_assessment)
  used(uuid:f4850c91-919c-406b-8f0e-b3a6c301e8dd, app:applications/393, -)
  used(uuid:f4850c91-919c-406b-8f0e-b3a6c301e8dd, app:records/2935, -)
  used(uuid:f4850c91-919c-406b-8f0e-b3a6c301e8dd, app:creditreports/863, -)
  used(uuid:f4850c91-919c-406b-8f0e-b3a6c301e8dd, app:records/2936, -)
  wasAttributedTo(app:recommendations/863, app:machines/one)
  entity(app:models/creditcard_assessment)
  entity(app:records/2936)
  entity(app:recommendations/863, [pl:created_at="2026-04-10T06:28:00.413614" %% 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/2935)
  entity(app:creditreports/863)
  entity(app:applications/393)
  wasDerivedFrom(app:decisions/863, app:recommendations/863, -, -, -)
  entity(app:recommendations/863)
  entity(app:decisions/863)
  agent(app:applicants/393, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Victoria Hughes"])
  wasAttributedTo(app:applications/393, app:applicants/393)
  entity(app:applications/393, [cs:attr_annual_income=116000, pl:created_at="2026-04-08T14:07:01.734258" %% xsd:dateTime, cs:attr_prev_address="Studio 90Y, Hollie overpass, Port Iain, M4T 2UD", cs:attr_address="Flat 15d, Gary squares, West Katherineborough, SL33 7AT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1999-07-21" %% xsd:date, cs:attr_emp_title="Broadcast journalist", cs:attr_home_ownership=4, cs:attr_phone_number="0116 4960808", cs:attr_email_address="marcussmith@example.net", cs:attr_applicant_name="Victoria Hughes", cs:attr_emp_length=4])
  wasDerivedFrom(app:applications/393/id, app:applications/393, -, -, -)
  entity(app:applications/393/id, [cs:attr_prev_address="Studio 90Y, Hollie overpass, Port Iain, M4T 2UD", cs:attr_address="Flat 15d, Gary squares, West Katherineborough, SL33 7AT", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1999-07-21" %% xsd:date, cs:attr_applicant_name="Victoria Hughes"])
  entity(app:applications/393)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/863, uuid:1d569ef6-8d4c-4964-a85b-81ea3943f673, -)
  activity(uuid:1d569ef6-8d4c-4964-a85b-81ea3943f673, 2026-04-10T06:28:00.405000+01:00, 2026-04-10T06:28:00.405000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:1d569ef6-8d4c-4964-a85b-81ea3943f673, app:providers/1, -)
  wasDerivedFrom(app:creditreports/863, app:applications/393/id, -, -, -)
  used(uuid:1d569ef6-8d4c-4964-a85b-81ea3943f673, app:applications/393/id, -)
  wasAttributedTo(app:creditreports/863, app:providers/1)
  entity(app:applications/393/id)
  entity(app:creditreports/863, [pl:created_at="2026-04-10T06:28:00.405730" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=551])
  wasDerivedFrom(app:creditreports/863, app:records/2934, -, -, -)
  wasDerivedFrom(app:creditreports/863, app:records/2936, -, -, -)
  wasDerivedFrom(app:creditreports/863, app:records/2935, -, -, -)
  wasDerivedFrom(app:creditreports/863, app:records/2933, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/2933, app:providers/2)
  entity(app:records/2933, [pl:created_at="2026-04-01T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 15d, Gary squares, West Katherineborough, SL33 7AT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-11-19" %% xsd:date])
  agent(app:providers/9, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="GiffGaff"])
  wasAttributedTo(app:records/2934, app:providers/9)
  entity(app:records/2934, [pl:created_at="2026-04-10T06:28:00.410512" %% xsd:dateTime, cs:attr_prev_address="Studio 90Y, Hollie overpass, Port Iain, M4T 2UD", cs:attr_first_confirmed="2026-04-01" %% xsd:date, cs:attr_address="Flat 15d, Gary squares, West Katherineborough, SL33 7AT", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-12-23" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/2936, app:providers/15)
  entity(app:records/2936, [pl:created_at="2026-04-10T06:28:00.412686" %% xsd:dateTime, cs:attr_payment_amount="50.1" %% xsd:float, cs:attr_month="Oct-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2300.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1238.14" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/2935, app:providers/15)
  entity(app:records/2935, [pl:created_at="2026-04-10T06:28:00.411932" %% xsd:dateTime, cs:attr_payment_amount="58.93" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2300.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1238.14" %% xsd:float])
endDocument