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/897, uuid:f0539a8d-3151-48e1-b035-c1b367a9ed61, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:f0539a8d-3151-48e1-b035-c1b367a9ed61, 2026-04-19T23:10:42.835000+01:00, 2026-04-19T23:29:48.881000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/897, app:applications/403, -, -, -)
  wasAssociatedWith(uuid:f0539a8d-3151-48e1-b035-c1b367a9ed61, app:the_bank, -)
  used(uuid:f0539a8d-3151-48e1-b035-c1b367a9ed61, app:applications/403, -)
  wasAttributedTo(app:decisions/897, app:the_bank)
  entity(app:applications/403)
  entity(app:decisions/897, [pl:created_at="2026-04-19T23:29:48.881968" %% 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/897, uuid:95884dce-fb2d-4d38-af57-f677b3a467a6, -)
  activity(uuid:95884dce-fb2d-4d38-af57-f677b3a467a6, 2026-04-19T23:10:42.835000+01:00, 2026-04-19T23:29:48.881000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:95884dce-fb2d-4d38-af57-f677b3a467a6)
  wasDerivedFrom(app:recommendations/897, app:creditreports/897, -, -, -)
  wasDerivedFrom(app:recommendations/897, app:records/3043, -, -, -)
  wasDerivedFrom(app:recommendations/897, app:applications/403, -, -, -)
  wasAssociatedWith(uuid:95884dce-fb2d-4d38-af57-f677b3a467a6, app:machines/one, app:models/creditcard_assessment)
  wasAttributedTo(app:recommendations/897, app:machines/one)
  used(uuid:95884dce-fb2d-4d38-af57-f677b3a467a6, app:applications/403, -)
  used(uuid:95884dce-fb2d-4d38-af57-f677b3a467a6, app:records/3043, -)
  used(uuid:95884dce-fb2d-4d38-af57-f677b3a467a6, app:creditreports/897, -)
  entity(app:models/creditcard_assessment)
  entity(app:recommendations/897, [pl:created_at="2026-04-19T23:29:48.881968" %% 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:applications/403)
  entity(app:records/3043)
  entity(app:creditreports/897)
  wasDerivedFrom(app:decisions/897, app:recommendations/897, -, -, -)
  entity(app:recommendations/897)
  entity(app:decisions/897)
  agent(app:applicants/403, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Jenna Berry"])
  wasAttributedTo(app:applications/403, app:applicants/403)
  entity(app:applications/403, [cs:attr_annual_income=65000, pl:created_at="2026-04-19T23:10:42.835194" %% xsd:dateTime, cs:attr_prev_address="Flat 93, Nicole meadow, West Fionachester, L4 1RS", cs:attr_address="85 Jacob extensions, Jacksonfort, WS5 6HE", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="2001-01-05" %% xsd:date, cs:attr_emp_title="Acupuncturist", cs:attr_home_ownership=1, cs:attr_phone_number="(0161) 4960098", cs:attr_email_address="rnelson@example.org", cs:attr_applicant_name="Jenna Berry", cs:attr_emp_length=6])
  wasDerivedFrom(app:applications/403/id, app:applications/403, -, -, -)
  entity(app:applications/403)
  entity(app:applications/403/id, [cs:attr_prev_address="Flat 93, Nicole meadow, West Fionachester, L4 1RS", cs:attr_address="85 Jacob extensions, Jacksonfort, WS5 6HE", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="2001-01-05" %% xsd:date, cs:attr_applicant_name="Jenna Berry"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/897, uuid:7956beb5-7178-44cc-a942-a3eeefb0643d, -)
  activity(uuid:7956beb5-7178-44cc-a942-a3eeefb0643d, 2026-04-19T23:29:48.874000+01:00, 2026-04-19T23:29:48.874000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:7956beb5-7178-44cc-a942-a3eeefb0643d, app:providers/1, -)
  wasDerivedFrom(app:creditreports/897, app:applications/403/id, -, -, -)
  used(uuid:7956beb5-7178-44cc-a942-a3eeefb0643d, app:applications/403/id, -)
  wasAttributedTo(app:creditreports/897, app:providers/1)
  entity(app:creditreports/897, [pl:created_at="2026-04-19T23:29:48.874273" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=167])
  entity(app:applications/403/id)
  wasDerivedFrom(app:creditreports/897, app:records/3042, -, -, -)
  wasDerivedFrom(app:creditreports/897, app:records/3043, -, -, -)
  wasDerivedFrom(app:creditreports/897, app:records/3041, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3041, app:providers/2)
  entity(app:records/3041, [pl:created_at="2026-04-11T00:00:00" %% xsd:dateTime, cs:attr_address="85 Jacob extensions, Jacksonfort, WS5 6HE", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-03-04" %% xsd:date])
  agent(app:providers/7, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Tesco Mobile"])
  wasAttributedTo(app:records/3042, app:providers/7)
  entity(app:records/3042, [pl:created_at="2026-04-19T23:29:48.879311" %% xsd:dateTime, cs:attr_prev_address="Flat 93, Nicole meadow, West Fionachester, L4 1RS", cs:attr_first_confirmed="2026-04-04" %% xsd:date, cs:attr_address="85 Jacob extensions, Jacksonfort, WS5 6HE", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-11-08" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3043, app:providers/15)
  entity(app:records/3043, [pl:created_at="2026-04-19T23:29:48.880927" %% xsd:dateTime, cs:attr_payment_amount="46.78" %% 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="2600.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1602.47" %% xsd:float])
endDocument