The Toronto-Dominion Bank

University of Toronto

Brian Andrew Lam

Alexey Shpurov

Milos Dunjic

Edward Hartley Sargent

Shana Olwyn Kelley

Helena Litani

Malcolm Clarke

Lovell Hodge

Leslie Carol Thomas

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that perform homomorphic computations on encrypted third-party data within a distributed computing environment. For example, an apparatus receives a homomorphic public key and encrypted transaction data characterizing an exchange of data from a computing system, and encrypts modelling data associated with a first predictive model, such as a machine learning model or an artificial neural network model, using the homomorphic public key. The apparatus may perform homomorphic computations that apply the first predictive model to the encrypted transaction data in accordance with the encrypted first modelling data, and transmit an encrypted first output of the homomorphic computations to the computing system, which may decrypt the encrypted first output using a homomorphic private key and generate decrypted output data indicative of a predicted likelihood that the data exchange represents fraudulent activity.

Homomorphic computations on encrypted data within a distributed computing environment

The disclosed exemplary embodiments include computer-implemented apparatuses and methods that validate confidential data based privacy-preserving homomorphic computations involving encrypted data. For example, an apparatus may receive, from a first computing system, encrypted data that includes a first encrypted value representative of at least one of first account data or an element of cryptographic data. Based on the first encrypted value and on second encrypted values, the apparatus may generate encrypted residual values representative of second account data associated with one or more reference accounts, and the apparatus may request and receive a decrypted residual value associated with each of the encrypted residual values from a second computing system. The apparatus may transmit the decrypted residual values to the first computing system, which may validate the first account data based on at least the decrypted residual values and perform operations associated with the validated first account data.

Validating confidential data using homomorphic computations

The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that maintain data confidentiality in communications involving voice-enabled devices in a distributed computing environment using homomorphic encryption. By way of example, an apparatus may receive encrypted command data from a computing system, decrypt the encrypted command data using a homomorphic private key, and perform operations that associate the decrypted command data with a request for an element of data. Using a public cryptographic key associated with a device, the apparatus generate an encrypted response that includes the requested data element, and transmit the encrypted response to the device. The device may decrypt the encrypted response using a private cryptographic key and to perform operations that present first audio content representative of the requested data element through an acoustic interface.

Homomorphic encryption of communications involving voice-enabled devices in a distributed computing environment

The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that maintain data confidentiality in communications involving voice-enabled devices operating within a distributed computing environment. By way of example, an apparatus may receive, from a communications system across a public communications network, a request for an element of data generated by the computing system based on first audio content obtained at a device. The apparatus may obtain the requested data element and further, may generate acoustic data representative of at least a portion of the requested data element. The apparatus may also generate an encrypted response to the received request that includes the acoustic data, and transmit the encrypted response to the device across the public communications network. The device may execute an application program that causes the device to decrypt the encrypted response and to perform operations that present the acoustic data through an acoustic interface.

Maintaining data confidentiality in communications involving voice-enabled devices in a distributed computing environment

The present disclosure involves systems, software, and computer implemented methods for presenting information and/or services to a user. One example method includes establishing a user session between a computing device operated by an entity and a first user device operated by a customer of the entity. The first user device provides a first interface through which the customer participates in the user session. The method also includes determining, based at least on a complexity of first information to be provided to the customer, to change the first interface to a new interface. Further, the method includes selecting, based on the complexity of the first information, a new interface, where the new interface is provided by at least a second user device. Furthermore, the method includes implementing the new interface to facilitate for the customer to participate in the user session.

Dynamically determining an interface for presenting information to a user

There is a provided a digital identity network interface system that may include a communications module and a processor. The processor may be configured to receive a signal representing a digital identity request, the digital identity request defining one or more scopes associated with the request, at least one of the scopes identifying a data type associated with the request, generate a query based on the scopes by translating at least one of the scopes into a query having a query format associated with a digital identity network, the digital identity network storing data associated with a plurality of users, send a signal representing the query to the digital identity network, send a link to an authorization device, after successful authentication, obtain data associated with the digital identity request from the digital identity network, and release at least some of the data.

Digital identity network interface system

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that perform homomorphic computations on encrypted third-party data within a distributed computing environment. For example, an apparatus receives a homomorphic public key and encrypted transaction data characterizing an exchange of data from a computing system, and encrypts modelling data associated with a first predictive model using the homomorphic public key. The apparatus may perform homomorphic computations that apply the first predictive model to the encrypted transaction data in accordance with the encrypted first modelling data, and transmit an encrypted first output of the homomorphic computations to the computing system, which may decrypt the encrypted first output using a homomorphic private key and generate decrypted output data indicative of a predicted likelihood that the data exchange represents fraudulent activity.

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage exchanges of data using a cryptographically secure distributed ledger and homomorphic commitments. For example, and in response to an occurrence of a triggering event, an apparatus may obtain parameter values that characterize the data exchange, first commitment values representative of the parameter values, and a first digital signature. In response to a verification of the first digital signature, the apparatus may apply a second digital signature to commitment data that includes the first commitment values and a second commitment value representative of the first digital signature. The apparatus may transmit a signal that includes the commitment data and the second digital signature to a computing system, which generates an element of distributed ledger that includes the commitment data and the second digital signature in response to a verification of the second digital signature.

Dynamically managing exchanges of data using a distributed ledger and homomorphic commitments

There is a provided a digital identity network interface system that may include a communications module and a processor. The processor may be configured to: receive a signal representing a digital identity request, the digital identity request defining one or more scopes associated with the request, at least one of the scopes identifying a data type associated with the request; generate a query based on the scopes by translating at least one of the scopes into a query having a query format associated with a digital identity network, the digital identity network storing data associated with a plurality of users; send a signal representing the query to the digital identity network; send a link to an authorization device; after successful authentication, obtain data associated with the digital identity request from the digital identity network; and release at least some of the data.

Contemplated methods and devices comprise performing electrochemical sample analysis in a multiplexed electrochemical detector having reduced electrical cross-talk. The electrochemical detector includes electrodes that share a common lead from a plurality of leads. The sample, which may be a liquid sample, is introduced into one or more sample wells and a signal is applied to at least one of the electrodes. A response signal is measured while simultaneously applying a substantially fixed potential to each of a remainder of the plurality of leads.

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Brian Andrew Lam