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/954, uuid:af2e74e5-269c-41f7-aaeb-cd6376d94cf3, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:af2e74e5-269c-41f7-aaeb-cd6376d94cf3, 2026-05-10T19:20:14.920000+01:00, 2026-05-10T19:46:03.674000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/954, app:applications/422, -, -, -)
  wasAssociatedWith(uuid:af2e74e5-269c-41f7-aaeb-cd6376d94cf3, app:the_bank, -)
  wasAttributedTo(app:decisions/954, app:the_bank)
  used(uuid:af2e74e5-269c-41f7-aaeb-cd6376d94cf3, app:applications/422, -)
  entity(app:applications/422)
  entity(app:decisions/954, [pl:created_at="2026-05-10T19:46:03.674228" %% 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/954, uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23, -)
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23)
  activity(uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23, 2026-05-10T19:20:14.920000+01:00, 2026-05-10T19:46:03.674000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/954, app:records/3224, -, -, -)
  wasDerivedFrom(app:recommendations/954, app:records/3225, -, -, -)
  wasDerivedFrom(app:recommendations/954, app:records/3223, -, -, -)
  wasDerivedFrom(app:recommendations/954, app:applications/422, -, -, -)
  wasDerivedFrom(app:recommendations/954, app:records/3222, -, -, -)
  wasDerivedFrom(app:recommendations/954, app:creditreports/954, -, -, -)
  wasAssociatedWith(uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23, app:machines/one, app:models/creditcard_assessment)
  used(uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23, app:creditreports/954, -)
  used(uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23, app:records/3224, -)
  used(uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23, app:records/3222, -)
  used(uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23, app:records/3223, -)
  used(uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23, app:records/3225, -)
  used(uuid:5a46415f-128e-4b12-bc7a-7ad77847bb23, app:applications/422, -)
  wasAttributedTo(app:recommendations/954, app:machines/one)
  entity(app:applications/422)
  entity(app:records/3222)
  entity(app:records/3223)
  entity(app:models/creditcard_assessment)
  entity(app:records/3224)
  entity(app:recommendations/954, [pl:created_at="2026-05-10T19:46:03.674228" %% 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/3225)
  entity(app:creditreports/954)
  wasDerivedFrom(app:decisions/954, app:recommendations/954, -, -, -)
  entity(app:recommendations/954)
  entity(app:decisions/954)
  agent(app:applicants/422, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Allan Taylor"])
  wasAttributedTo(app:applications/422, app:applicants/422)
  entity(app:applications/422, [cs:attr_annual_income=114000, pl:created_at="2026-05-10T19:20:14.920931" %% xsd:dateTime, cs:attr_prev_address="5 Jamie underpass, North Leahton, L2 2BP", cs:attr_address="88 Mandy expressway, South Robin, DG29 5FR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1977-05-04" %% xsd:date, cs:attr_emp_title="Public relations officer", cs:attr_home_ownership=1, cs:attr_phone_number="01314960735", cs:attr_email_address="austinsylvia@example.com", cs:attr_applicant_name="Allan Taylor", cs:attr_emp_length=26])
  wasDerivedFrom(app:applications/422/id, app:applications/422, -, -, -)
  entity(app:applications/422)
  entity(app:applications/422/id, [cs:attr_prev_address="5 Jamie underpass, North Leahton, L2 2BP", cs:attr_address="88 Mandy expressway, South Robin, DG29 5FR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1977-05-04" %% xsd:date, cs:attr_applicant_name="Allan Taylor"])
  wasGeneratedBy(app:creditreports/954, uuid:54d10caa-db3c-4ef0-ad02-5f79eb553741, -)
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  activity(uuid:54d10caa-db3c-4ef0-ad02-5f79eb553741, 2026-05-10T19:46:03.664000+01:00, 2026-05-10T19:46:03.664000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/954, app:applications/422/id, -, -, -)
  wasAssociatedWith(uuid:54d10caa-db3c-4ef0-ad02-5f79eb553741, app:providers/1, -)
  used(uuid:54d10caa-db3c-4ef0-ad02-5f79eb553741, app:applications/422/id, -)
  wasAttributedTo(app:creditreports/954, app:providers/1)
  entity(app:applications/422/id)
  entity(app:creditreports/954, [pl:created_at="2026-05-10T19:46:03.664365" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=126])
  wasDerivedFrom(app:creditreports/954, app:records/3225, -, -, -)
  wasDerivedFrom(app:creditreports/954, app:records/3223, -, -, -)
  wasDerivedFrom(app:creditreports/954, app:records/3222, -, -, -)
  wasDerivedFrom(app:creditreports/954, app:records/3220, -, -, -)
  wasDerivedFrom(app:creditreports/954, app:records/3221, -, -, -)
  wasDerivedFrom(app:creditreports/954, app:records/3224, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3220, app:providers/2)
  entity(app:records/3220, [pl:created_at="2026-04-27T00:00:00" %% xsd:dateTime, cs:attr_address="88 Mandy expressway, South Robin, DG29 5FR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2023-09-10" %% xsd:date])
  agent(app:providers/12, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="TalkTalk"])
  wasAttributedTo(app:records/3221, app:providers/12)
  entity(app:records/3221, [pl:created_at="2026-05-10T19:46:03.669777" %% xsd:dateTime, cs:attr_prev_address="5 Jamie underpass, North Leahton, L2 2BP", cs:attr_first_confirmed="2026-04-10" %% xsd:date, cs:attr_address="88 Mandy expressway, South Robin, DG29 5FR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-09-08" %% xsd:date])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3224, app:providers/15)
  entity(app:records/3224, [pl:created_at="2026-05-10T19:46:03.672660" %% xsd:dateTime, cs:attr_payment_amount="1.79" %% xsd:float, cs:attr_month="Oct-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2400.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="168.57" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3225, app:providers/15)
  entity(app:records/3225, [pl:created_at="2026-05-10T19:46:03.673273" %% xsd:dateTime, cs:attr_payment_amount="0.0" %% xsd:float, cs:attr_month="Oct-2025", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:MissedPayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2400.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="168.57" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3222, app:providers/15)
  entity(app:records/3222, [pl:created_at="2026-05-10T19:46:03.671264" %% xsd:dateTime, cs:attr_payment_amount="1.25" %% 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="2400.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="168.57" %% xsd:float])
  agent(app:providers/15, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Bank"])
  wasAttributedTo(app:records/3223, app:providers/15)
  entity(app:records/3223, [pl:created_at="2026-05-10T19:46:03.672039" %% xsd:dateTime, cs:attr_payment_amount="14.61" %% xsd:float, cs:attr_month="Apr-2026", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='csd:LatePayment', prov:type='cs:CreditRecord', cs:attr_credit_limit="2400.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="168.57" %% xsd:float])
endDocument