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/894, uuid:2ef62b92-bf99-4341-875e-6517121fb769, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:2ef62b92-bf99-4341-875e-6517121fb769, 2026-04-15T11:37:15.308000+01:00, 2026-04-18T05:06:52.256000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/894, app:applications/399, -, -, -)
  wasAssociatedWith(uuid:2ef62b92-bf99-4341-875e-6517121fb769, app:the_bank, -)
  used(uuid:2ef62b92-bf99-4341-875e-6517121fb769, app:applications/399, -)
  wasAttributedTo(app:decisions/894, app:the_bank)
  entity(app:applications/399)
  entity(app:decisions/894, [pl:created_at="2026-04-18T05:06:52.256378" %% 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/894, uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d)
  activity(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, 2026-04-15T11:37:15.308000+01:00, 2026-04-18T05:06:52.256000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/894, app:records/3031, -, -, -)
  wasDerivedFrom(app:recommendations/894, app:records/3032, -, -, -)
  wasDerivedFrom(app:recommendations/894, app:records/3020, -, -, -)
  wasDerivedFrom(app:recommendations/894, app:records/3030, -, -, -)
  wasDerivedFrom(app:recommendations/894, app:applications/399, -, -, -)
  wasDerivedFrom(app:recommendations/894, app:creditreports/894, -, -, -)
  wasDerivedFrom(app:recommendations/894, app:records/3028, -, -, -)
  wasDerivedFrom(app:recommendations/894, app:records/3021, -, -, -)
  wasDerivedFrom(app:recommendations/894, app:records/3029, -, -, -)
  wasAssociatedWith(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:machines/one, app:models/creditcard_assessment)
  used(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:applications/399, -)
  used(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:records/3032, -)
  used(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:records/3021, -)
  used(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:records/3020, -)
  used(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:creditreports/894, -)
  used(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:records/3031, -)
  used(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:records/3030, -)
  used(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:records/3028, -)
  used(uuid:42ab0bfd-621e-4153-9f3f-c3685357fd4d, app:records/3029, -)
  wasAttributedTo(app:recommendations/894, app:machines/one)
  entity(app:applications/399)
  entity(app:models/creditcard_assessment)
  entity(app:records/3030)
  entity(app:records/3020)
  entity(app:records/3031)
  entity(app:records/3021)
  entity(app:records/3032)
  entity(app:recommendations/894, [pl:created_at="2026-04-18T05:06:52.256378" %% 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:creditreports/894)
  entity(app:records/3028)
  entity(app:records/3029)
  wasDerivedFrom(app:decisions/894, app:recommendations/894, -, -, -)
  entity(app:recommendations/894)
  entity(app:decisions/894)
  agent(app:applicants/399, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Phillip Morris"])
  wasAttributedTo(app:applications/399, app:applicants/399)
  entity(app:applications/399, [cs:attr_annual_income=111000, pl:created_at="2026-04-15T11:37:15.308245" %% xsd:dateTime, cs:attr_prev_address="Studio 26, Pritchard gateway, Chamberlainchester, WS21 0JX", cs:attr_address="Flat 5, Evans ranch, Port Alicehaven, CM6E 5ZY", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1991-09-25" %% xsd:date, cs:attr_emp_title="Print production planner", cs:attr_home_ownership=1, cs:attr_phone_number="+44808 1570352", cs:attr_email_address="briannaylor@example.net", cs:attr_applicant_name="Phillip Morris", cs:attr_emp_length=7])
  wasDerivedFrom(app:applications/399/id, app:applications/399, -, -, -)
  entity(app:applications/399)
  entity(app:applications/399/id, [cs:attr_prev_address="Studio 26, Pritchard gateway, Chamberlainchester, WS21 0JX", cs:attr_address="Flat 5, Evans ranch, Port Alicehaven, CM6E 5ZY", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1991-09-25" %% xsd:date, cs:attr_applicant_name="Phillip Morris"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/894, uuid:7f17fe0b-02f0-4e7e-acfa-b4abcc8b309a, -)
  activity(uuid:7f17fe0b-02f0-4e7e-acfa-b4abcc8b309a, 2026-04-18T05:06:52.250000+01:00, 2026-04-18T05:06:52.250000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/894, app:applications/399/id, -, -, -)
  wasAssociatedWith(uuid:7f17fe0b-02f0-4e7e-acfa-b4abcc8b309a, app:providers/1, -)
  wasAttributedTo(app:creditreports/894, app:providers/1)
  used(uuid:7f17fe0b-02f0-4e7e-acfa-b4abcc8b309a, app:applications/399/id, -)
  entity(app:creditreports/894, [pl:created_at="2026-04-18T05:06:52.250751" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=608])
  entity(app:applications/399/id)
  wasDerivedFrom(app:creditreports/894, app:records/3019, -, -, -)
  wasDerivedFrom(app:creditreports/894, app:records/3032, -, -, -)
  wasDerivedFrom(app:creditreports/894, app:records/3018, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3018, app:providers/2)
  entity(app:records/3018, [pl:created_at="2026-03-25T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 5, Evans ranch, Port Alicehaven, CM6E 5ZY", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-10-24" %% xsd:date])
  agent(app:providers/4, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="O2"])
  wasAttributedTo(app:records/3019, app:providers/4)
  entity(app:records/3019, [pl:created_at="2026-04-16T14:37:27.157097" %% xsd:dateTime, cs:attr_prev_address="Studio 26, Pritchard gateway, Chamberlainchester, WS21 0JX", cs:attr_first_confirmed="2026-04-05" %% xsd:date, cs:attr_address="Flat 5, Evans ranch, Port Alicehaven, CM6E 5ZY", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-05-18" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3032, app:providers/14)
  entity(app:records/3032, [pl:created_at="2026-04-18T05:06:52.255241" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Jan-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="11.95" %% xsd:float])
endDocument