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/898, uuid:02694e2d-3827-498b-ab7a-d033344a8c95, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:02694e2d-3827-498b-ab7a-d033344a8c95, 2026-04-17T11:32:59.469000+01:00, 2026-04-19T23:30:37.786000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/898, app:applications/400, -, -, -)
  wasAssociatedWith(uuid:02694e2d-3827-498b-ab7a-d033344a8c95, app:the_bank, -)
  used(uuid:02694e2d-3827-498b-ab7a-d033344a8c95, app:applications/400, -)
  wasAttributedTo(app:decisions/898, app:the_bank)
  entity(app:applications/400)
  entity(app:decisions/898, [pl:created_at="2026-04-19T23:30:37.786693" %% 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/898, uuid:e726f92f-8c56-4986-b180-c9de03b779fd, -)
  activity(uuid:e726f92f-8c56-4986-b180-c9de03b779fd, 2026-04-17T11:32:59.469000+01:00, 2026-04-19T23:30:37.786000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:e726f92f-8c56-4986-b180-c9de03b779fd)
  wasDerivedFrom(app:recommendations/898, app:applications/400, -, -, -)
  wasDerivedFrom(app:recommendations/898, app:records/3046, -, -, -)
  wasDerivedFrom(app:recommendations/898, app:creditreports/898, -, -, -)
  wasAssociatedWith(uuid:e726f92f-8c56-4986-b180-c9de03b779fd, app:machines/one, app:models/creditcard_assessment)
  used(uuid:e726f92f-8c56-4986-b180-c9de03b779fd, app:creditreports/898, -)
  used(uuid:e726f92f-8c56-4986-b180-c9de03b779fd, app:records/3046, -)
  used(uuid:e726f92f-8c56-4986-b180-c9de03b779fd, app:applications/400, -)
  wasAttributedTo(app:recommendations/898, app:machines/one)
  entity(app:applications/400)
  entity(app:records/3046)
  entity(app:models/creditcard_assessment)
  entity(app:recommendations/898, [pl:created_at="2026-04-19T23:30:37.786693" %% 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/898)
  wasDerivedFrom(app:decisions/898, app:recommendations/898, -, -, -)
  entity(app:recommendations/898)
  entity(app:decisions/898)
  agent(app:applicants/400, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Christian Taylor"])
  wasAttributedTo(app:applications/400, app:applicants/400)
  entity(app:applications/400, [cs:attr_annual_income=41000, pl:created_at="2026-04-17T11:32:59.469842" %% xsd:dateTime, cs:attr_prev_address="30 Sykes loaf, Janicestad, PA73 8HT", cs:attr_address="3 Nicholson knolls, South Lewismouth, G86 3LG", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1995-08-28" %% xsd:date, cs:attr_emp_title="Multimedia specialist", cs:attr_home_ownership=1, cs:attr_phone_number="01214960469", cs:attr_email_address="alexoneill@example.com", cs:attr_applicant_name="Christian Taylor", cs:attr_emp_length=7])
  wasDerivedFrom(app:applications/400/id, app:applications/400, -, -, -)
  entity(app:applications/400)
  entity(app:applications/400/id, [cs:attr_prev_address="30 Sykes loaf, Janicestad, PA73 8HT", cs:attr_address="3 Nicholson knolls, South Lewismouth, G86 3LG", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1995-08-28" %% xsd:date, cs:attr_applicant_name="Christian Taylor"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/898, uuid:807d2377-4e46-43aa-9b8c-3e9d8b747610, -)
  activity(uuid:807d2377-4e46-43aa-9b8c-3e9d8b747610, 2026-04-19T23:30:37.779000+01:00, 2026-04-19T23:30:37.779000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasAssociatedWith(uuid:807d2377-4e46-43aa-9b8c-3e9d8b747610, app:providers/1, -)
  wasDerivedFrom(app:creditreports/898, app:applications/400/id, -, -, -)
  used(uuid:807d2377-4e46-43aa-9b8c-3e9d8b747610, app:applications/400/id, -)
  wasAttributedTo(app:creditreports/898, app:providers/1)
  entity(app:creditreports/898, [pl:created_at="2026-04-19T23:30:37.779622" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=252])
  entity(app:applications/400/id)
  wasDerivedFrom(app:creditreports/898, app:records/3045, -, -, -)
  wasDerivedFrom(app:creditreports/898, app:records/3046, -, -, -)
  wasDerivedFrom(app:creditreports/898, app:records/3044, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3044, app:providers/2)
  entity(app:records/3044, [pl:created_at="2026-03-31T00:00:00" %% xsd:dateTime, cs:attr_address="3 Nicholson knolls, South Lewismouth, G86 3LG", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-04-01" %% xsd:date])
  agent(app:providers/5, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Vodafone"])
  wasAttributedTo(app:records/3045, app:providers/5)
  entity(app:records/3045, [pl:created_at="2026-04-19T23:30:37.784226" %% xsd:dateTime, cs:attr_prev_address="30 Sykes loaf, Janicestad, PA73 8HT", cs:attr_first_confirmed="2026-04-05" %% xsd:date, cs:attr_address="3 Nicholson knolls, South Lewismouth, G86 3LG", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-02-10" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3046, app:providers/15)
  entity(app:records/3046, [pl:created_at="2026-04-19T23:30:37.785759" %% xsd:dateTime, cs:attr_payment_amount="28.55" %% xsd:float, cs:attr_month="Jul-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2700.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="955.61" %% xsd:float])
endDocument