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/953, uuid:48625b84-7f34-4639-9555-396cee9698ee, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:48625b84-7f34-4639-9555-396cee9698ee, 2026-05-09T03:09:45.224000+01:00, 2026-05-10T19:33:46.898000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/953, app:applications/421, -, -, -)
  wasAssociatedWith(uuid:48625b84-7f34-4639-9555-396cee9698ee, app:the_bank, -)
  wasAttributedTo(app:decisions/953, app:the_bank)
  used(uuid:48625b84-7f34-4639-9555-396cee9698ee, app:applications/421, -)
  entity(app:applications/421)
  entity(app:decisions/953, [pl:created_at="2026-05-10T19:33:46.898423" %% 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/953, uuid:3d24b047-46d8-4c3b-937d-5dbca5b97d4a, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:3d24b047-46d8-4c3b-937d-5dbca5b97d4a)
  activity(uuid:3d24b047-46d8-4c3b-937d-5dbca5b97d4a, 2026-05-09T03:09:45.224000+01:00, 2026-05-10T19:33:46.898000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/953, app:records/3219, -, -, -)
  wasDerivedFrom(app:recommendations/953, app:creditreports/953, -, -, -)
  wasDerivedFrom(app:recommendations/953, app:applications/421, -, -, -)
  wasAssociatedWith(uuid:3d24b047-46d8-4c3b-937d-5dbca5b97d4a, app:machines/one, app:models/creditcard_assessment)
  used(uuid:3d24b047-46d8-4c3b-937d-5dbca5b97d4a, app:applications/421, -)
  used(uuid:3d24b047-46d8-4c3b-937d-5dbca5b97d4a, app:creditreports/953, -)
  used(uuid:3d24b047-46d8-4c3b-937d-5dbca5b97d4a, app:records/3219, -)
  wasAttributedTo(app:recommendations/953, app:machines/one)
  entity(app:applications/421)
  entity(app:models/creditcard_assessment)
  entity(app:recommendations/953, [pl:created_at="2026-05-10T19:33:46.898423" %% 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/3219)
  entity(app:creditreports/953)
  wasDerivedFrom(app:decisions/953, app:recommendations/953, -, -, -)
  entity(app:recommendations/953)
  entity(app:decisions/953)
  agent(app:applicants/421, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Daniel Burns-Jones"])
  wasAttributedTo(app:applications/421, app:applicants/421)
  entity(app:applications/421, [cs:attr_annual_income=15000, pl:created_at="2026-05-09T03:09:45.224524" %% xsd:dateTime, cs:attr_prev_address="Flat 68, Cook neck, Lake Jamesbury, B3 4RS", cs:attr_address="7 Dominic creek, Brucestad, W3 3BR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1972-03-22" %% xsd:date, cs:attr_emp_title="Transport planner", cs:attr_home_ownership=1, cs:attr_phone_number="(0131) 496 0942", cs:attr_email_address="julia24@example.net", cs:attr_applicant_name="Daniel Burns-Jones", cs:attr_emp_length=28])
  wasDerivedFrom(app:applications/421/id, app:applications/421, -, -, -)
  entity(app:applications/421)
  entity(app:applications/421/id, [cs:attr_prev_address="Flat 68, Cook neck, Lake Jamesbury, B3 4RS", cs:attr_address="7 Dominic creek, Brucestad, W3 3BR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1972-03-22" %% xsd:date, cs:attr_applicant_name="Daniel Burns-Jones"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/953, uuid:6b6b6770-5914-4f58-8026-251c4f4daf79, -)
  activity(uuid:6b6b6770-5914-4f58-8026-251c4f4daf79, 2026-05-10T19:33:46.890000+01:00, 2026-05-10T19:33:46.890000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/953, app:applications/421/id, -, -, -)
  wasAssociatedWith(uuid:6b6b6770-5914-4f58-8026-251c4f4daf79, app:providers/1, -)
  used(uuid:6b6b6770-5914-4f58-8026-251c4f4daf79, app:applications/421/id, -)
  wasAttributedTo(app:creditreports/953, app:providers/1)
  entity(app:creditreports/953, [pl:created_at="2026-05-10T19:33:46.890265" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=637])
  entity(app:applications/421/id)
  wasDerivedFrom(app:creditreports/953, app:records/3218, -, -, -)
  wasDerivedFrom(app:creditreports/953, app:records/3219, -, -, -)
  wasDerivedFrom(app:creditreports/953, app:records/3217, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3217, app:providers/2)
  entity(app:records/3217, [pl:created_at="2026-04-15T00:00:00" %% xsd:dateTime, cs:attr_address="7 Dominic creek, Brucestad, W3 3BR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2025-04-21" %% xsd:date])
  agent(app:providers/8, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="Virgin Media"])
  wasAttributedTo(app:records/3218, app:providers/8)
  entity(app:records/3218, [pl:created_at="2026-05-10T19:33:46.895593" %% xsd:dateTime, cs:attr_prev_address="Flat 68, Cook neck, Lake Jamesbury, B3 4RS", cs:attr_first_confirmed="2026-04-12" %% xsd:date, cs:attr_address="7 Dominic creek, Brucestad, W3 3BR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2026-01-08" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3219, app:providers/15)
  entity(app:records/3219, [pl:created_at="2026-05-10T19:33:46.897358" %% 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="1100.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="438.17" %% xsd:float])
endDocument