Abstract: A system for leveraging a tokening system to authenticate a traveler while maintaining anonymity of the traveler is provided. The system may include a secure central server configured to store identification data associated with a plurality of users. The system may also include a mobile token application for providing a token identifier representing a user's identification data. The mobile token application may be activated by the central server on a mobile device of the user registered with the central server and stored in a secure storage on the mobile device of the user. The system may also include a travel service provider. The travel service provider may be configured to enable reserving a travel reservation file. The travel service provider may be enabled to retrieve a token identifier from the user's mobile device as representing the identification of the user and verify the token identifier with the central server.

Abstract: A system for leveraging a tokening system to authenticate a traveler while maintaining anonymity of the traveler is provided. The system may include a secure central server configured to store identification data associated with a plurality of users. The system may also include a mobile token application for providing a token identifier representing a user's identification data. The mobile token application may be activated by the central server on a mobile device of the user registered with the central server and stored in a secure storage on the mobile device of the user. The system may also include a travel service provider. The travel service provider may be configured to enable reserving a travel reservation file. The travel service provider may be enabled to retrieve a token identifier from the user's mobile device as representing the identification of the user and verify the token identifier with the central server.

Abstract: This application describes apparatus and methods for using edge-computing to control resource distribution among access channels, such as a retail banking center. Edge-nodes may be configured to move a product display in response to detected or expected customer traffic flow in or near a retail location. Edge-nodes may be configured to redirect resources provided by a cloud computing environment to or away from the retail location. Based on customer traffic flow, edge-nodes may direct customers/resources to a retail location and ensure the retail location provides a predetermined quality of service.

Abstract: Systems and methods for accurately and securely assembling, storing, and leveraging travel data are provided. A method may include detecting a travel event of a user. The method may include recording the travel event in a travel map that is stored in a database. The travel map may be a temporal- and spatial-based record of one or more travel events of the user. The travel map may be stored as a blockchain ledger. The method may include tokenizing sensitive information associated with the user in the database, and calculating a hazard vector. The method may include updating, based at least in part on the hazard vector, a status index associated with the user, and providing the user and a system administrator access to the travel map and the status index. Access may be provided via an online portal configured to be viewed via an application running on a mobile device.

Abstract: Systems and methods for accurately and securely assembling, storing, and leveraging travel data are provided. A method may include detecting a travel event of a user. The method may include recording the travel event in a travel map that is stored in a database. The travel map may be a temporal- and spatial-based record of one or more travel events of the user. The travel map may be stored as a blockchain ledger. The method may include tokenizing sensitive information associated with the user in the database, and calculating a hazard vector. The method may include updating, based at least in part on the hazard vector, a status index associated with the user, and providing the user and a system administrator access to the travel map and the status index. Access may be provided via an online portal configured to be viewed via an application running on a mobile device.

Abstract: Systems and methods for accurately and securely assembling, storing, and leveraging travel data are provided. A method may include detecting a travel event of a user. The method may include recording the travel event in a travel map that is stored in a database. The travel map may be a temporal- and spatial-based record of one or more travel events of the user. The travel map may be stored as a blockchain ledger. The method may include tokenizing sensitive information associated with the user in the database, and calculating a hazard vector. The method may include updating, based at least in part on the hazard vector, a status index associated with the user, and providing the user and a system administrator access to the travel map and the status index. Access may be provided via an online portal configured to be viewed via an application running on a mobile device.

Abstract: Systems and methods for accurately and securely assembling, storing, and leveraging travel data are provided. A method may include detecting a travel event of a user. The method may include recording the travel event in a travel map that is stored in a database. The travel map may be a temporal- and spatial-based record of one or more travel events of the user. The travel map may be stored as a blockchain ledger. The method may include tokenizing sensitive information associated with the user in the database, and calculating a hazard vector. The method may include updating, based at least in part on the hazard vector, a status index associated with the user, and providing the user and a system administrator access to the travel map and the status index. Access may be provided via an online portal configured to be viewed via an application running on a mobile device.

Abstract: A system for leveraging a tokening system to authenticate a traveler while maintaining anonymity of the traveler is provided. The system may include a secure central server configured to store identification data associated with a plurality of users. The system may also include a mobile token application for providing a token identifier representing a user's identification data. The mobile token application may be activated by the central server on a mobile device of the user registered with the central server and stored in a secure storage on the mobile device of the user. The system may also include a travel service provider. The travel service provider may be configured to enable reserving a travel reservation file. The travel service provider may be enabled to retrieve a token identifier from the user's mobile device as representing the identification of the user and verify the token identifier with the central server.

Abstract: Apparatus and methods for an erasable reusable check are provided. The method may include receiving in a card reader a microchip embedded in a check. The method may also include extracting from the microchip data identifying a payor name, a payor address, a bank account number of a payor bank account a routing number of the payor bank account, and pixelated data. The method may further include transforming the pixelated data into written text and creating an Image Replacement Document (“IRD”) of the check. The IRD may include the payor name, the payor address, the bank account number, the routing number, and the written text.

Abstract: Distributed tiered data exchanges within a distributed trust/blockchain network are provided for. A continual and ongoing data asset transfer being conducted via a distributed ledger of the distributed trust/blockchain network is leveraged for the purpose of establishing and conducting other continuous and ongoing data asset transfers using the same distributed ledger of the distributed trust/blockchain network. The tiered nature of the asset transfers/distributions means that one distributed ledger can be established and used to conduct multiple different continuous and ongoing data assets transfers between the initial data asset transfer entities and/or other entities. As such, through the use of one distributed ledger of a distributed trust/blockchain network, a single data asset request made by a first entity (i.e., data asset transferee) may be used to make multiple different data asset distributions/transfers to one or many different entities.

Abstract: This application describes apparatus and methods for using edge-computing to control resource distribution among access channels, such as a retail banking center. Edge-nodes may be configured to move a product display in response to detected or expected customer traffic flow in or near a retail location. Edge-nodes may be configured to redirect resources provided by a cloud computing environment to or away from the retail location. Based on customer traffic flow, edge-nodes may direct customers/resources to a retail location and ensure the retail location provides a predetermined quality of service.

Abstract: This application describes apparatus and methods for using edge-computing to control resource distribution among access channels, such as a retail banking center. Edge-nodes may be configured to move a product display in response to detected or expected customer traffic flow in or near a retail location. Edge-nodes may be configured to redirect resources provided by a cloud computing environment to or away from the retail location. Based on customer traffic flow, edge-nodes may direct customers/resources to a retail location and ensure the retail location provides a predetermined quality of service.

Abstract: This application describes apparatus and methods for using edge-computing to control resource distribution among access channels, such as a retail banking center. Edge-nodes may be configured to move a product display in response to detected or expected customer traffic flow in or near a retail location. Edge-nodes may be configured to redirect resources provided by a cloud computing environment to or away from the retail location. Based on customer traffic flow, edge-nodes may direct customers/resources to a retail location and ensure the retail location provides a predetermined quality of service.

Abstract: Distributed tiered data exchanges within a distributed trust/blockchain network are provided for. A continual and ongoing data asset transfer being conducted via a distributed ledger of the distributed trust/blockchain network is leveraged for the purpose of establishing and conducting other continuous and ongoing data asset transfers using the same distributed ledger of the distributed trust/blockchain network. The tiered nature of the asset transfers/distributions means that one distributed ledger can be established and used to conduct multiple different continuous and ongoing data assets transfers between the initial data asset transfer entities and/or other entities. As such, through the use of one distributed ledger of a distributed trust/blockchain network, a single data asset request made by a first entity (i.e., data asset transferee) may be used to make multiple different data asset distributions/transfers to one or many different entities.

Abstract: Aspects of the disclosure relate to electronically detecting and responding to a security risk associated with a non-electronic transaction. These aspects include recording and storing a video of a customer entering a financial institution (FI). Upon review of the video, the method confirms that the customer is a legacy customer and then deletes the video, or confirms that the customer is a non-legacy customer. If the customer is a non-legacy customer, the method stores the video for an amount of time sufficient to quantify a security risk associated with the customer. The method may then use an input device including at least one customer-imperceptible biometric sensor to retrieve information about the customer. The method compares the stored video to the biometric information to adjust a level of the security risk associated with the customer or transaction. If the security risk is lower than a threshold, the method may delete the video.

Abstract: Aspects of the disclosure relate to electronically detecting and responding to a security risk associated with a non-electronic transaction. These aspects include recording and storing a video of a customer entering a financial institution (FI). Upon review of the video, the method confirms that the customer is a legacy customer and then deletes the video, or confirms that the customer is a non-legacy customer. If the customer is a non-legacy customer, the method stores the video for an amount of time sufficient to quantify a security risk associated with the customer. The method may then use an input device including at least one customer-imperceptible biometric sensor to retrieve information about the customer. The method compares the stored video to the biometric information to adjust a level of the security risk associated with the customer or transaction. If the security risk is lower than a threshold, the method may delete the video.

Abstract: Apparatus and methods for an erasable reusable check are provided. The method may include receiving in a card reader a microchip embedded in a check. The method may also include extracting from the microchip data identifying a payor name, a payor address, a bank account number of a payor bank account a routing number of the payor bank account, and pixelated data. The method may further include transforming the pixelated data into written text and creating an Image Replacement Document (“IRD”) of the check. The IRD may include the payor name, the payor address, the bank account number, the routing number, and the written text.