Secure multi-party computation for sensitive credit score computation

A non-transitory computer readable medium comprising one or more sequences of instructions, which, when executed by a processor, causes a computing system to perform operations comprising:

• retrieving, by the computing system, an algorithm, the algorithm utilizing one or more parameters for evaluation of a user metric associated with an individual;
• identifying, by the computing system, a plurality of entities contributing parameters for the evaluation of the user metric;
• compiling, by the computing system, the algorithm into a plurality of components, wherein each component corresponds to a respective entity of the plurality of entities and each component generates an output unique to the respective entity, the compiling comprising:
• converting the algorithm into one or more Boolean circuit representations,
• garbling each Boolean circuit representation, and
• executing a protocol across the plurality of entities for securely evaluating the garbled Boolean circuit representations, wherein during the evaluation the plurality of entities may not share a personal identification information with each other;
• transmitting, by the computing system, each component to a respective entity of the plurality of entities;
• receiving, by the computing system, an evaluated component from each entity of the plurality of entities;
• verifying, by the computing system, that the received evaluated components are matching,
• wherein if at least one evaluated component does not match, the computing system reinitiates the executing, transmitting, and receiving steps until matching evaluated components are received;
• and
• generating, by the computing system upon verifying that the evaluated components are matching, the user metric associated with the individual by combining the evaluated components from each entity.

A system comprising:

• a processor;
• and
• a memory having programming instructions stored thereon, which, when executed by the processor, causes the system to perform operations comprising:
• retrieving an algorithm, the algorithm utilizing one or more parameters for evaluation of a user metric associated with an individual;
• identifying a plurality of entities contributing parameters for the evaluation of the user metric;
• compiling the algorithm into a plurality of components, wherein each component corresponds to a respective entity of the plurality of entities and each component generates an output unique to the respective entity, the compiling comprising:
• converting the algorithm into one or more Boolean circuit representations,
• garbling each Boolean circuit representation, and
• executing a protocol across the plurality of entities for securely evaluating the garbled Boolean circuit representations, wherein during the evaluation the plurality of entities may not share a personal identification information with each other;
• transmitting each component to a respective entity of the plurality of entities;
• receiving an evaluated component from each entity of the plurality of entities;
• verifying that the received evaluated components are matching,
• wherein if at least one evaluated component does not match, reinitiating the executing, transmitting, and receiving steps until matching evaluated components are received;
• and
• generating, upon verifying that the evaluated components are matching, the user metric associated with the individual by combining the evaluated components from each entity.