CPC G06F 21/602 (2013.01) [G06N 3/04 (2013.01); G06N 3/08 (2013.01); H04L 9/008 (2013.01)] | 21 Claims |
1. An apparatus, comprising:
a memory storing instructions;
a communications interface; and
at least one processor coupled to the memory and the communications interface, the at least one processor being configured to execute the instructions to:
transmit, via the communications interface, encrypted event data to a third-party computing system, the third-party computing system being configured to apply a trained artificial intelligence process to encrypted feature data that includes the encrypted event data and one or more elements of encrypted customer data;
receive encrypted output data from the third-party computing system via the communications interface, the encrypted output data being representative of a predicted credit score of a customer during at least one temporal interval; and
decrypt the encrypted output data using a homomorphic decryption key, and determine the predicted credit score based on the decrypted output data; and
when the predicted credit score fails to exceed a threshold score, transmit a notification that includes the decrypted output data to a device via the communications interface, the device executing an application program that presents a graphical representation of at least a portion of the decrypted output data within a digital interface.
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