US 11,809,577 B2
Application of trained artificial intelligence processes to encrypted data within a distributed computing environment
James Anthony Begg, Toronto (CA); Omar Hamdan, Toronto (CA); Sertac Kabadayi, Toronto (CA); ZeZhong Zheng, Toronto (CA); and Jinoj Titus, Oshawa (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Oct. 5, 2020, as Appl. No. 17/062,805.
Claims priority of provisional application 63/075,260, filed on Sep. 7, 2020.
Prior Publication US 2022/0075878 A1, Mar. 10, 2022
Int. Cl. G06F 21/60 (2013.01); G06N 3/04 (2023.01); H04L 9/00 (2022.01); G06N 3/08 (2023.01)
CPC G06F 21/602 (2013.01) [G06N 3/04 (2013.01); G06N 3/08 (2013.01); H04L 9/008 (2013.01)] 21 Claims
OG exemplary drawing
 
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.