document
  prefix app <https://explain.openprovenance.org/creditscoring/>
  prefix pl <http://openprovenance.org/ns/plead#>
  prefix cs <http://openprovenance.org/ns/creditscoring#>
  prefix uuid <urn:uuid:>
  prefix csd <https://explain.openprovenance.org/creditscoring/ns#>
  
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  wasGeneratedBy(app:decisions/952, uuid:44f84f81-d3f9-414a-8b0a-0b91bf01895a, -)
  activity(uuid:44f84f81-d3f9-414a-8b0a-0b91bf01895a, 2026-05-08T20:29:25.013000+01:00, 2026-05-10T07:43:43.093000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/952, app:applications/420, -, -, -)
  wasAssociatedWith(uuid:44f84f81-d3f9-414a-8b0a-0b91bf01895a, app:the_bank, -)
  wasAttributedTo(app:decisions/952, app:the_bank)
  used(uuid:44f84f81-d3f9-414a-8b0a-0b91bf01895a, app:applications/420, -)
  entity(app:decisions/952, [pl:created_at="2026-05-10T07:43:43.093498" %% 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'])
  entity(app:applications/420)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  wasGeneratedBy(app:recommendations/952, uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe)
  activity(uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe, 2026-05-08T20:29:25.013000+01:00, 2026-05-10T07:43:43.093000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/952, app:records/3216, -, -, -)
  wasDerivedFrom(app:recommendations/952, app:records/3213, -, -, -)
  wasDerivedFrom(app:recommendations/952, app:records/3215, -, -, -)
  wasDerivedFrom(app:recommendations/952, app:creditreports/952, -, -, -)
  wasDerivedFrom(app:recommendations/952, app:records/3214, -, -, -)
  wasDerivedFrom(app:recommendations/952, app:applications/420, -, -, -)
  wasAssociatedWith(uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe, app:machines/one, app:models/creditcard_assessment)
  used(uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe, app:applications/420, -)
  used(uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe, app:records/3215, -)
  used(uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe, app:records/3213, -)
  used(uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe, app:records/3214, -)
  used(uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe, app:creditreports/952, -)
  used(uuid:d50ae5ad-8c68-4f1f-b3d6-5fca0d51edfe, app:records/3216, -)
  wasAttributedTo(app:recommendations/952, app:machines/one)
  entity(app:models/creditcard_assessment)
  entity(app:records/3213)
  entity(app:recommendations/952, [pl:created_at="2026-05-10T07:43:43.093498" %% 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/952)
  entity(app:records/3214)
  entity(app:records/3215)
  entity(app:applications/420)
  entity(app:records/3216)
  wasDerivedFrom(app:decisions/952, app:recommendations/952, -, -, -)
  entity(app:recommendations/952)
  entity(app:decisions/952)
  agent(app:applicants/420, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Katy Brown"])
  wasAttributedTo(app:applications/420, app:applicants/420)
  entity(app:applications/420, [cs:attr_annual_income=109000, pl:created_at="2026-05-08T20:29:25.013868" %% xsd:dateTime, cs:attr_prev_address="Studio 2, Griffiths mountain, South Marianhaven, N02 9BG", cs:attr_address="Studio 40, Newton branch, Fishermouth, E68 8SJ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1995-09-06" %% xsd:date, cs:attr_emp_title="Psychologist, clinical", cs:attr_home_ownership=3, cs:attr_phone_number="(0115) 4960495", cs:attr_email_address="lsummers@example.net", cs:attr_applicant_name="Katy Brown", cs:attr_emp_length=11])
  wasDerivedFrom(app:applications/420/id, app:applications/420, -, -, -)
  entity(app:applications/420/id, [cs:attr_prev_address="Studio 2, Griffiths mountain, South Marianhaven, N02 9BG", cs:attr_address="Studio 40, Newton branch, Fishermouth, E68 8SJ", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1995-09-06" %% xsd:date, cs:attr_applicant_name="Katy Brown"])
  entity(app:applications/420)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/952, uuid:8576502e-2d38-41c5-afcb-e47d0fb76d91, -)
  activity(uuid:8576502e-2d38-41c5-afcb-e47d0fb76d91, 2026-05-10T07:43:43.083000+01:00, 2026-05-10T07:43:43.083000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/952, app:applications/420/id, -, -, -)
  wasAssociatedWith(uuid:8576502e-2d38-41c5-afcb-e47d0fb76d91, app:providers/1, -)
  used(uuid:8576502e-2d38-41c5-afcb-e47d0fb76d91, app:applications/420/id, -)
  wasAttributedTo(app:creditreports/952, app:providers/1)
  entity(app:applications/420/id)
  entity(app:creditreports/952, [pl:created_at="2026-05-10T07:43:43.083809" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=708])
  wasDerivedFrom(app:creditreports/952, app:records/3216, -, -, -)
  wasDerivedFrom(app:creditreports/952, app:records/3211, -, -, -)
  wasDerivedFrom(app:creditreports/952, app:records/3214, -, -, -)
  wasDerivedFrom(app:creditreports/952, app:records/3213, -, -, -)
  wasDerivedFrom(app:creditreports/952, app:records/3212, -, -, -)
  wasDerivedFrom(app:creditreports/952, app:records/3215, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3211, app:providers/2)
  entity(app:records/3211, [pl:created_at="2026-05-05T00:00:00" %% xsd:dateTime, cs:attr_address="Studio 40, Newton branch, Fishermouth, E68 8SJ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2023-12-27" %% xsd:date])
  agent(app:providers/8, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Virgin Media"])
  wasAttributedTo(app:records/3212, app:providers/8)
  entity(app:records/3212, [pl:created_at="2026-05-10T07:43:43.089111" %% xsd:dateTime, cs:attr_prev_address="Studio 2, Griffiths mountain, South Marianhaven, N02 9BG", cs:attr_first_confirmed="2026-04-23" %% xsd:date, cs:attr_address="Studio 40, Newton branch, Fishermouth, E68 8SJ", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-03-10" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3216, app:providers/15)
  entity(app:records/3216, [pl:created_at="2026-05-10T07:43:43.092554" %% xsd:dateTime, cs:attr_payment_amount="75.96" %% 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="1500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1153.07" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3213, app:providers/15)
  entity(app:records/3213, [pl:created_at="2026-05-10T07:43:43.090594" %% xsd:dateTime, cs:attr_payment_amount="55.62" %% xsd:float, cs:attr_month="Mar-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1153.07" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3214, app:providers/15)
  entity(app:records/3214, [pl:created_at="2026-05-10T07:43:43.091356" %% xsd:dateTime, cs:attr_payment_amount="109.5" %% 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="1500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1153.07" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3215, app:providers/15)
  entity(app:records/3215, [pl:created_at="2026-05-10T07:43:43.091957" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Mar-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="1500.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="1153.07" %% xsd:float])
endDocument