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/986, uuid:f4e2af78-aa13-4ffd-a77e-a3b02cb2fd3d, -)
  agent(app:the_bank, [prov:type='pl:DataController', prov:type='cs:RetailBank', prov:type='prov:Organization', prov:label="Some bank"])
  activity(uuid:f4e2af78-aa13-4ffd-a77e-a3b02cb2fd3d, 2026-05-24T18:48:13.878000+01:00, 2026-05-24T19:06:37.135000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AssessingCreditApplication'])
  wasDerivedFrom(app:decisions/986, app:applications/433, -, -, -)
  wasAssociatedWith(uuid:f4e2af78-aa13-4ffd-a77e-a3b02cb2fd3d, app:the_bank, -)
  wasAttributedTo(app:decisions/986, app:the_bank)
  used(uuid:f4e2af78-aa13-4ffd-a77e-a3b02cb2fd3d, app:applications/433, -)
  entity(app:applications/433)
  entity(app:decisions/986, [pl:created_at="2026-05-24T19:06:37.135897" %% 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/986, uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb, -)
  agent(app:the_bank)
  agent(app:machines/one, [prov:type='prov:SoftwareAgent'])
  actedOnBehalfOf(app:machines/one, app:the_bank, uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb)
  activity(uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb, 2026-05-24T18:48:13.878000+01:00, 2026-05-24T19:06:37.135000+01:00, [prov:type='pl:MachineLedActivity', prov:type='cs:AutomatedAssessingCreditApplication'])
  wasDerivedFrom(app:recommendations/986, app:applications/433, -, -, -)
  wasDerivedFrom(app:recommendations/986, app:creditreports/986, -, -, -)
  wasDerivedFrom(app:recommendations/986, app:records/3327, -, -, -)
  wasDerivedFrom(app:recommendations/986, app:records/3328, -, -, -)
  wasDerivedFrom(app:recommendations/986, app:records/3325, -, -, -)
  wasDerivedFrom(app:recommendations/986, app:records/3326, -, -, -)
  wasAssociatedWith(uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb, app:machines/one, app:models/creditcard_assessment)
  used(uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb, app:applications/433, -)
  used(uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb, app:records/3327, -)
  used(uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb, app:creditreports/986, -)
  used(uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb, app:records/3325, -)
  used(uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb, app:records/3326, -)
  used(uuid:9654d254-a3d3-4b01-9e7d-0f6e18fe18bb, app:records/3328, -)
  wasAttributedTo(app:recommendations/986, app:machines/one)
  entity(app:applications/433)
  entity(app:models/creditcard_assessment)
  entity(app:recommendations/986, [pl:created_at="2026-05-24T19:06:37.135897" %% 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/3328)
  entity(app:records/3325)
  entity(app:creditreports/986)
  entity(app:records/3326)
  entity(app:records/3327)
  wasDerivedFrom(app:decisions/986, app:recommendations/986, -, -, -)
  entity(app:recommendations/986)
  entity(app:decisions/986)
  agent(app:applicants/433, [prov:type='pl:DataSubject', prov:type='prov:Person', prov:type='cs:Applicant', prov:label="Leanne Baker"])
  wasAttributedTo(app:applications/433, app:applicants/433)
  entity(app:applications/433, [cs:attr_annual_income=66000, pl:created_at="2026-05-24T18:48:13.878014" %% xsd:dateTime, cs:attr_prev_address="Flat 93G, Bennett plains, North Jessicashire, NR1M 3UB", cs:attr_address="Flat 5, Alexandra fords, Lisahaven, ME28 3BR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:CreditCardApplication', prov:type='pl:Request', cs:attr_dob="1989-07-11" %% xsd:date, cs:attr_emp_title="Television/film/video producer", cs:attr_home_ownership=3, cs:attr_phone_number="028 9018 0580", cs:attr_email_address="samclarke@example.com", cs:attr_applicant_name="Leanne Baker", cs:attr_emp_length=9])
  wasDerivedFrom(app:applications/433/id, app:applications/433, -, -, -)
  entity(app:applications/433)
  entity(app:applications/433/id, [cs:attr_prev_address="Flat 93G, Bennett plains, North Jessicashire, NR1M 3UB", cs:attr_address="Flat 5, Alexandra fords, Lisahaven, ME28 3BR", prov:type='pl:Data', prov:type='pl:SubjectData', prov:type='cs:PersonIdentifier', cs:attr_dob="1989-07-11" %% xsd:date, cs:attr_applicant_name="Leanne Baker"])
  agent(app:providers/1, [prov:type='pl:DataProvider', prov:type='cs:CreditReferencingAgency', prov:label="Credit Referencing Agency"])
  wasGeneratedBy(app:creditreports/986, uuid:de0b2925-0cbc-4051-9b06-55cebaceab97, -)
  activity(uuid:de0b2925-0cbc-4051-9b06-55cebaceab97, 2026-05-24T19:06:37.126000+01:00, 2026-05-24T19:06:37.126000+01:00, [prov:type='cs:SearchingCreditHistory'])
  wasDerivedFrom(app:creditreports/986, app:applications/433/id, -, -, -)
  wasAssociatedWith(uuid:de0b2925-0cbc-4051-9b06-55cebaceab97, app:providers/1, -)
  wasAttributedTo(app:creditreports/986, app:providers/1)
  used(uuid:de0b2925-0cbc-4051-9b06-55cebaceab97, app:applications/433/id, -)
  entity(app:applications/433/id)
  entity(app:creditreports/986, [pl:created_at="2026-05-24T19:06:37.126172" %% xsd:dateTime, prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:CreditHistory', cs:credit_score=150])
  wasDerivedFrom(app:creditreports/986, app:records/3326, -, -, -)
  wasDerivedFrom(app:creditreports/986, app:records/3324, -, -, -)
  wasDerivedFrom(app:creditreports/986, app:records/3328, -, -, -)
  wasDerivedFrom(app:creditreports/986, app:records/3323, -, -, -)
  wasDerivedFrom(app:creditreports/986, app:records/3327, -, -, -)
  wasDerivedFrom(app:creditreports/986, app:records/3325, -, -, -)
  agent(app:providers/2, [prov:type='cs:DataProvider', prov:type='cs:ElectoralAuthority', prov:label="The Electoral Commission"])
  wasAttributedTo(app:records/3323, app:providers/2)
  entity(app:records/3323, [pl:created_at="2026-05-14T00:00:00" %% xsd:dateTime, cs:attr_address="Flat 5, Alexandra fords, Lisahaven, ME28 3BR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:IdentityRecord', prov:type='cs:ElectoralRegisterEntry', cs:attr_from_date="2024-05-05" %% xsd:date])
  agent(app:providers/10, [prov:type='cs:DataProvider', prov:type='cs:UtilityCompany', prov:label="BT"])
  wasAttributedTo(app:records/3324, app:providers/10)
  entity(app:records/3324, [pl:created_at="2026-05-24T19:06:37.131529" %% xsd:dateTime, cs:attr_prev_address="Flat 93G, Bennett plains, North Jessicashire, NR1M 3UB", cs:attr_first_confirmed="2026-05-10" %% xsd:date, cs:attr_address="Flat 5, Alexandra fords, Lisahaven, ME28 3BR", prov:type='pl:Data', prov:type='pl:ExternalData', prov:type='cs:LinkedAddressRecord', cs:attr_last_confirmed="2025-12-17" %% xsd:date])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3328, app:providers/14)
  entity(app:records/3328, [pl:created_at="2026-05-24T19:06:37.134964" %% 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="2100.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="523.91" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3325, app:providers/14)
  entity(app:records/3325, [pl:created_at="2026-05-24T19:06:37.133013" %% 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="2100.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="523.91" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3326, app:providers/14)
  entity(app:records/3326, [pl:created_at="2026-05-24T19:06:37.133801" %% 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="2100.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="523.91" %% xsd:float])
  agent(app:providers/14, [prov:type='cs:DataProvider', prov:type='cs:FinancialInstitution', prov:label="A Credit Card Company"])
  wasAttributedTo(app:records/3327, app:providers/14)
  entity(app:records/3327, [pl:created_at="2026-05-24T19:06:37.134396" %% 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="2100.0" %% xsd:float, cs:attr_account="Everyday Creditcard", cs:attr_balance="523.91" %% xsd:float])
endDocument