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/896, uuid:0ef14b82-87fe-4888-b0db-ab759b873d8d, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:0ef14b82-87fe-4888-b0db-ab759b873d8d, 2026-04-17T18:53:19.194000+01:00, 2026-04-18T20:01:30.503000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasAssociatedWith(uuid:0ef14b82-87fe-4888-b0db-ab759b873d8d, app:the_bank, -)
  wasDerivedFrom(app:decisions/896, app:applications/401, -, -, -)
  used(uuid:0ef14b82-87fe-4888-b0db-ab759b873d8d, app:applications/401, -)
  wasAttributedTo(app:decisions/896, app:the_bank)
  entity(app:applications/401)
  entity(app:decisions/896, [pl:created_at="2026-04-18T20:01:30.503685" %% 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/896, uuid:af308d7a-d55c-4ecd-9384-db9078821ac9, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:af308d7a-d55c-4ecd-9384-db9078821ac9)
  activity(uuid:af308d7a-d55c-4ecd-9384-db9078821ac9, 2026-04-17T18:53:19.194000+01:00, 2026-04-18T20:01:30.503000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasAssociatedWith(uuid:af308d7a-d55c-4ecd-9384-db9078821ac9, app:machines/one, app:models/creditcard_assessment)
  wasDerivedFrom(app:recommendations/896, app:creditreports/896, -, -, -)
  wasDerivedFrom(app:recommendations/896, app:records/3039, -, -, -)
  wasDerivedFrom(app:recommendations/896, app:records/3040, -, -, -)
  wasDerivedFrom(app:recommendations/896, app:applications/401, -, -, -)
  wasAttributedTo(app:recommendations/896, app:machines/one)
  used(uuid:af308d7a-d55c-4ecd-9384-db9078821ac9, app:creditreports/896, -)
  used(uuid:af308d7a-d55c-4ecd-9384-db9078821ac9, app:records/3040, -)
  used(uuid:af308d7a-d55c-4ecd-9384-db9078821ac9, app:records/3039, -)
  used(uuid:af308d7a-d55c-4ecd-9384-db9078821ac9, app:applications/401, -)
  entity(app:models/creditcard_assessment)
  entity(app:applications/401)
  entity(app:recommendations/896, [pl:created_at="2026-04-18T20:01:30.503685" %% 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/896)
  entity(app:records/3040)
  entity(app:records/3039)
  wasDerivedFrom(app:decisions/896, app:recommendations/896, -, -, -)
  entity(app:recommendations/896)
  entity(app:decisions/896)
  agent(app:applicants/401, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Rosemary Brown"])
  wasAttributedTo(app:applications/401, app:applicants/401)
  entity(app:applications/401, [cs:attr_annual_income=119000, pl:created_at="2026-04-17T18:53:19.194597" %% xsd:dateTime, cs:attr_prev_address="0 Wilson orchard, Lake Lindsey, IG1 2RW", cs:attr_address="Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1986-12-24" %% xsd:date, cs:attr_emp_title="Statistician", cs:attr_home_ownership=4, cs:attr_phone_number="+441632 960 955", cs:attr_email_address="xhughes@example.org", cs:attr_applicant_name="Rosemary Brown", cs:attr_emp_length=16])
  wasDerivedFrom(app:applications/401/id, app:applications/401, -, -, -)
  entity(app:applications/401)
  entity(app:applications/401/id, [cs:attr_prev_address="0 Wilson orchard, Lake Lindsey, IG1 2RW", cs:attr_address="Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1986-12-24" %% xsd:date, cs:attr_applicant_name="Rosemary Brown"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/896, uuid:b43b987d-ef24-42b9-93df-49d643e01d95, -)
  activity(uuid:b43b987d-ef24-42b9-93df-49d643e01d95, 2026-04-18T20:01:30.495000+01:00, 2026-04-18T20:01:30.495000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/896, app:applications/401/id, -, -, -)
  wasAssociatedWith(uuid:b43b987d-ef24-42b9-93df-49d643e01d95, app:providers/1, -)
  wasAttributedTo(app:creditreports/896, app:providers/1)
  used(uuid:b43b987d-ef24-42b9-93df-49d643e01d95, app:applications/401/id, -)
  entity(app:creditreports/896, [pl:created_at="2026-04-18T20:01:30.495604" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=641])
  entity(app:applications/401/id)
  wasDerivedFrom(app:creditreports/896, app:records/3038, -, -, -)
  wasDerivedFrom(app:creditreports/896, app:records/3040, -, -, -)
  wasDerivedFrom(app:creditreports/896, app:records/3039, -, -, -)
  wasDerivedFrom(app:creditreports/896, app:records/3037, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3037, app:providers/2)
  entity(app:records/3037, [pl:created_at="2026-03-19T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-05-18" %% xsd:date])
  agent(app:providers/13, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="VOXI"])
  wasAttributedTo(app:records/3038, app:providers/13)
  entity(app:records/3038, [pl:created_at="2026-04-18T20:01:30.500661" %% xsd:dateTime, cs:attr_prev_address="0 Wilson orchard, Lake Lindsey, IG1 2RW", cs:attr_first_confirmed="2026-04-01" %% xsd:date, cs:attr_address="Flat 46, Nicholson harbors, North Maureenburgh, E7C 6XY", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-12-17" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3040, app:providers/14)
  entity(app:records/3040, [pl:created_at="2026-04-18T20:01:30.502810" %% xsd:dateTime, cs:attr_payment_amount="19.03" %% xsd:float, cs:attr_month="Sep-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="653.03" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3039, app:providers/14)
  entity(app:records/3039, [pl:created_at="2026-04-18T20:01:30.502061" %% xsd:dateTime, cs:attr_payment_amount="36.47" %% 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="1200.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="653.03" %% xsd:float])
endDocument