System and method including accurate scoring and response

A processing computer comprising:

• a processor;
• and
• a computer-readable medium coupled to the processor, the computer-readable medium comprising code executable by the processor for implementing a method comprising:
• receiving a processing request message comprising user data from a remote server computer;
• determining latent values associated with the processing request message based on the user data and a multiplex graph;
• normalizing the latent values based on a community group in the multiplex graph, wherein the community group includes at least a part of the user data;
• and
• transmitting a processing response message comprising at least one normalized latent value to the remote server computer.

A method comprising:

• receiving, by a remote server computer, a user request;
• compiling, by the remote server computer, user data based on the user request;
• generating, by the remote server computer, a processing request message comprising the user data;
• transmitting, by the remote server computer, the processing request message to a processing computer, wherein the processing computer determines latent values associated with the user data and normalizes the latent values based on a community group, wherein the community group includes at least a part of the user data;
• receiving, by the remote server computer, a processing response message comprising at least one normalized latent value from the processing computer;
• and
• performing, by the remote server computer, additional processing based on the at least one normalized latent value.