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/951, uuid:30da7f1a-3a48-42b1-86d9-d0504e8b1d21, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:30da7f1a-3a48-42b1-86d9-d0504e8b1d21, 2026-05-08T19:08:05.917000+01:00, 2026-05-09T16:11:41.647000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/951, app:applications/419, -, -, -)
  wasAssociatedWith(uuid:30da7f1a-3a48-42b1-86d9-d0504e8b1d21, app:the_bank, -)
  wasAttributedTo(app:decisions/951, app:the_bank)
  used(uuid:30da7f1a-3a48-42b1-86d9-d0504e8b1d21, app:applications/419, -)
  entity(app:applications/419)
  entity(app:decisions/951, [pl:created_at="2026-05-09T16:11:41.647423" %% 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/951, uuid:0c7afeef-3cf2-44d7-be24-720ed2c6320a, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  activity(uuid:0c7afeef-3cf2-44d7-be24-720ed2c6320a, 2026-05-08T19:08:05.917000+01:00, 2026-05-09T16:11:41.647000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:0c7afeef-3cf2-44d7-be24-720ed2c6320a)
  wasDerivedFrom(app:recommendations/951, app:applications/419, -, -, -)
  wasDerivedFrom(app:recommendations/951, app:creditreports/951, -, -, -)
  wasDerivedFrom(app:recommendations/951, app:records/3210, -, -, -)
  wasAssociatedWith(uuid:0c7afeef-3cf2-44d7-be24-720ed2c6320a, app:machines/one, app:models/creditcard_assessment)
  wasAttributedTo(app:recommendations/951, app:machines/one)
  used(uuid:0c7afeef-3cf2-44d7-be24-720ed2c6320a, app:creditreports/951, -)
  used(uuid:0c7afeef-3cf2-44d7-be24-720ed2c6320a, app:applications/419, -)
  used(uuid:0c7afeef-3cf2-44d7-be24-720ed2c6320a, app:records/3210, -)
  entity(app:records/3210)
  entity(app:models/creditcard_assessment)
  entity(app:applications/419)
  entity(app:recommendations/951, [pl:created_at="2026-05-09T16:11:41.647423" %% 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/951)
  wasDerivedFrom(app:decisions/951, app:recommendations/951, -, -, -)
  entity(app:recommendations/951)
  entity(app:decisions/951)
  agent(app:applicants/419, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="William Scott"])
  wasAttributedTo(app:applications/419, app:applicants/419)
  entity(app:applications/419, [cs:attr_annual_income=42000, pl:created_at="2026-05-08T19:08:05.917210" %% xsd:dateTime, cs:attr_prev_address="3 Jones bridge, Byrnemouth, B0 5EE", cs:attr_address="34 Carl light, Rachelville, N21 0TR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1994-02-12" %% xsd:date, cs:attr_emp_title="Brewing technologist", cs:attr_home_ownership=2, cs:attr_phone_number="+44(0)1214960609", cs:attr_email_address="sullivankate@example.net", cs:attr_applicant_name="William Scott", cs:attr_emp_length=11])
  wasDerivedFrom(app:applications/419/id, app:applications/419, -, -, -)
  entity(app:applications/419)
  entity(app:applications/419/id, [cs:attr_prev_address="3 Jones bridge, Byrnemouth, B0 5EE", cs:attr_address="34 Carl light, Rachelville, N21 0TR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1994-02-12" %% xsd:date, cs:attr_applicant_name="William Scott"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/951, uuid:a5cc60fc-f51f-4679-9a8c-162d763114c4, -)
  activity(uuid:a5cc60fc-f51f-4679-9a8c-162d763114c4, 2026-05-09T16:11:41.639000+01:00, 2026-05-09T16:11:41.639000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/951, app:applications/419/id, -, -, -)
  wasAssociatedWith(uuid:a5cc60fc-f51f-4679-9a8c-162d763114c4, app:providers/1, -)
  wasAttributedTo(app:creditreports/951, app:providers/1)
  used(uuid:a5cc60fc-f51f-4679-9a8c-162d763114c4, app:applications/419/id, -)
  entity(app:applications/419/id)
  entity(app:creditreports/951, [pl:created_at="2026-05-09T16:11:41.639930" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=377])
  wasDerivedFrom(app:creditreports/951, app:records/3209, -, -, -)
  wasDerivedFrom(app:creditreports/951, app:records/3210, -, -, -)
  wasDerivedFrom(app:creditreports/951, app:records/3208, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3208, app:providers/2)
  entity(app:records/3208, [pl:created_at="2026-04-15T00:00:00" %% xsd:dateTime, cs:attr_address="34 Carl light, Rachelville, N21 0TR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-02-21" %% xsd:date])
  agent(app:providers/7, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Tesco Mobile"])
  wasAttributedTo(app:records/3209, app:providers/7)
  entity(app:records/3209, [pl:created_at="2026-05-09T16:11:41.644921" %% xsd:dateTime, cs:attr_prev_address="3 Jones bridge, Byrnemouth, B0 5EE", cs:attr_first_confirmed="2026-04-18" %% xsd:date, cs:attr_address="34 Carl light, Rachelville, N21 0TR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-08-13" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3210, app:providers/14)
  entity(app:records/3210, [pl:created_at="2026-05-09T16:11:41.646418" %% xsd:dateTime, cs:attr_payment_amount="3.56" %% xsd:float, cs:attr_month="May-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2300.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="134.51" %% xsd:float])
endDocument