| CPC G06N 20/00 (2019.01) [G06F 21/6245 (2013.01); G06N 5/04 (2013.01); G06Q 20/02 (2013.01); G06Q 20/4016 (2013.01); G06Q 20/326 (2020.05); G06Q 20/409 (2013.01)] | 20 Claims |

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1. A method, comprising:
receiving, by a computing device from a server computer system, a baseline model that is generated by the server computer system based on multiple different models;
repeatedly retraining, by the computing device using a stream of user data received at the computing device, the baseline model to generate a device-trained model;
transmitting, by the computing device to the server computer system, the device-trained model and a set of obfuscated user data generated at the computing device from the stream of user data, wherein the transmitting is performed by the computing device utilizing a first type of wireless communication that provides a higher network performance than a secondary type of wireless communication available to the computing device;
in response to the transmitting, receiving, by the computing device from the server computer system, an updated version of the device-trained model;
inputting, by the computing device to the device-trained model, a set of characteristics associated with a user request received from a user of the computing device, wherein the device-trained model outputs a score for the user request;
transmitting, by the computing device to the server computer system, the score for the user request, wherein the transmitting includes requesting a decision for the user request; and
in response to receiving a decision for the user request generated by the server computer system based on the set of obfuscated user data, the computing device performing an action associated with the user request.
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