The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 03, 2024
Filed:
Sep. 12, 2023
The Toronto-dominion Bank, Toronto, CA;
James Anthony Begg, Toronto, CA;
Omar Hamdan, Toronto, CA;
Sertac Kabadayi, Toronto, CA;
Zezhong Zheng, Toronto, CA;
Jinoj Titus, Oshawa, CA;
The Toronto-Dominion Bank, Toronto, CA;
Abstract
The disclosed embodiments include computer-implemented processes that predict a credit score for a customer in real-time based on an application of a trained machine-learning or artificial-intelligence process to encrypted event data at a third-party computing cluster. For example, an apparatus may transmit encrypted event data to a third-party computing system. The third-party computing system may apply a trained artificial intelligence process to encrypted feature data that includes the encrypted event data, and the apparatus may receive, from the third-party computing system, encrypted output data representative of a predicted credit score during at least one temporal interval. The apparatus may decrypt the encrypted output data using a homomorphic decryption key, and transmit a notification that includes the decrypted output data to a device. An application program executed at the device may present a graphical representation of at least a portion of the decrypted output data within a digital interface.