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/950, uuid:a2612362-de22-463d-b08d-7a7d3003a1e3, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:a2612362-de22-463d-b08d-7a7d3003a1e3, 2026-05-07T21:39:59.307000+01:00, 2026-05-07T21:45:07.848000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/950, app:applications/418, -, -, -)
  wasAssociatedWith(uuid:a2612362-de22-463d-b08d-7a7d3003a1e3, app:the_bank, -)
  wasAttributedTo(app:decisions/950, app:the_bank)
  used(uuid:a2612362-de22-463d-b08d-7a7d3003a1e3, app:applications/418, -)
  entity(app:applications/418)
  entity(app:decisions/950, [pl:created_at="2026-05-07T21:45:07.848372" %% 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'])
  wasGeneratedBy(app:recommendations/950, uuid:21f54983-cd07-4505-b679-90e912f52956, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:21f54983-cd07-4505-b679-90e912f52956, 2026-05-07T21:39:59.307000+01:00, 2026-05-07T21:45:07.848000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:21f54983-cd07-4505-b679-90e912f52956)
  wasDerivedFrom(app:recommendations/950, app:creditreports/950, -, -, -)
  wasDerivedFrom(app:recommendations/950, app:records/3206, -, -, -)
  wasDerivedFrom(app:recommendations/950, app:applications/418, -, -, -)
  wasDerivedFrom(app:recommendations/950, app:records/3205, -, -, -)
  wasDerivedFrom(app:recommendations/950, app:records/3204, -, -, -)
  wasDerivedFrom(app:recommendations/950, app:records/3207, -, -, -)
  wasAssociatedWith(uuid:21f54983-cd07-4505-b679-90e912f52956, app:machines/one, app:models/creditcard_assessment)
  used(uuid:21f54983-cd07-4505-b679-90e912f52956, app:records/3205, -)
  used(uuid:21f54983-cd07-4505-b679-90e912f52956, app:records/3207, -)
  used(uuid:21f54983-cd07-4505-b679-90e912f52956, app:records/3204, -)
  used(uuid:21f54983-cd07-4505-b679-90e912f52956, app:records/3206, -)
  used(uuid:21f54983-cd07-4505-b679-90e912f52956, app:creditreports/950, -)
  used(uuid:21f54983-cd07-4505-b679-90e912f52956, app:applications/418, -)
  wasAttributedTo(app:recommendations/950, app:machines/one)
  entity(app:models/creditcard_assessment)
  entity(app:records/3207)
  entity(app:applications/418)
  entity(app:creditreports/950)
  entity(app:recommendations/950, [pl:created_at="2026-05-07T21:45:07.848372" %% 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/3204)
  entity(app:records/3205)
  entity(app:records/3206)
  wasDerivedFrom(app:decisions/950, app:recommendations/950, -, -, -)
  entity(app:recommendations/950)
  entity(app:decisions/950)
  agent(app:applicants/418, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Dean Duffy-Martin"])
  wasAttributedTo(app:applications/418, app:applicants/418)
  entity(app:applications/418, [cs:attr_annual_income=118000, pl:created_at="2026-05-07T21:39:59.307095" %% xsd:dateTime, cs:attr_prev_address="2 Antony flat, Khanton, ST48 3WJ", cs:attr_address="69 Barker cliffs, Shannonton, LL3H 6AA", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1959-05-04" %% xsd:date, cs:attr_emp_title="Careers adviser", cs:attr_home_ownership=3, cs:attr_phone_number="+44(0)808 157 0598", cs:attr_email_address="cturner@example.org", cs:attr_applicant_name="Dean Duffy-Martin", cs:attr_emp_length=22])
  wasDerivedFrom(app:applications/418/id, app:applications/418, -, -, -)
  entity(app:applications/418)
  entity(app:applications/418/id, [cs:attr_prev_address="2 Antony flat, Khanton, ST48 3WJ", cs:attr_address="69 Barker cliffs, Shannonton, LL3H 6AA", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1959-05-04" %% xsd:date, cs:attr_applicant_name="Dean Duffy-Martin"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/950, uuid:6407d65a-d58d-4380-a8ba-0b3ba1f19010, -)
  activity(uuid:6407d65a-d58d-4380-a8ba-0b3ba1f19010, 2026-05-07T21:45:07.837000+01:00, 2026-05-07T21:45:07.837000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/950, app:applications/418/id, -, -, -)
  wasAssociatedWith(uuid:6407d65a-d58d-4380-a8ba-0b3ba1f19010, app:providers/1, -)
  used(uuid:6407d65a-d58d-4380-a8ba-0b3ba1f19010, app:applications/418/id, -)
  wasAttributedTo(app:creditreports/950, app:providers/1)
  entity(app:creditreports/950, [pl:created_at="2026-05-07T21:45:07.837137" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=572])
  entity(app:applications/418/id)
  wasDerivedFrom(app:creditreports/950, app:records/3206, -, -, -)
  wasDerivedFrom(app:creditreports/950, app:records/3207, -, -, -)
  wasDerivedFrom(app:creditreports/950, app:records/3204, -, -, -)
  wasDerivedFrom(app:creditreports/950, app:records/3205, -, -, -)
  wasDerivedFrom(app:creditreports/950, app:records/3203, -, -, -)
  wasDerivedFrom(app:creditreports/950, app:records/3202, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3202, app:providers/2)
  entity(app:records/3202, [pl:created_at="2026-04-17T00:00:00" %% xsd:dateTime, cs:attr_address="69 Barker cliffs, Shannonton, LL3H 6AA", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-05-15" %% xsd:date])
  agent(app:providers/3, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="EE"])
  wasAttributedTo(app:records/3203, app:providers/3)
  entity(app:records/3203, [pl:created_at="2026-05-07T21:45:07.842811" %% xsd:dateTime, cs:attr_prev_address="2 Antony flat, Khanton, ST48 3WJ", cs:attr_first_confirmed="2026-04-20" %% xsd:date, cs:attr_address="69 Barker cliffs, Shannonton, LL3H 6AA", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-01-18" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3204, app:providers/15)
  entity(app:records/3204, [pl:created_at="2026-05-07T21:45:07.844644" %% 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="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1645.61" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3205, app:providers/15)
  entity(app:records/3205, [pl:created_at="2026-05-07T21:45:07.845564" %% xsd:dateTime, cs:attr_payment_amount="147.07" %% xsd:float, cs:attr_month="Dec-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1645.61" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3206, app:providers/15)
  entity(app:records/3206, [pl:created_at="2026-05-07T21:45:07.846360" %% xsd:dateTime, cs:attr_payment_amount="77.03" %% xsd:float, cs:attr_month="Jan-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1645.61" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3207, app:providers/15)
  entity(app:records/3207, [pl:created_at="2026-05-07T21:45:07.847133" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Nov-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1645.61" %% xsd:float])
endDocument