Local edge-node server

An edge-node computing architecture that reduces a computation burden processed by sub-systems of the computing architecture and a volume of incoming network traffic received by the sub-systems of the computing architecture, the computing architecture comprising:

• a first computer system registered to a first financial institution;
• a second computer system registered to a second financial institution;
• and
• an edge-node configured to:
• compute a trajectory of a payment instrument based on detected movement of and transaction activity associated with the payment instrument;
• based on the trajectory and using artificial intelligence, before receiving a transaction request from within a location along the trajectory:
• identify and pull selected data records from the first and second computer systems;
• convert data records received from the first computer system into a local format used in the location along the trajectory;
• and
• convert data records received from the second computer system into the local format;
• receive a request in the local format and initiated by the payment instrument to transfer funds between a first account registered to the first institution and a second account registered to the second institution;
• and
• process the request to transfer funds based on the selected data records stored locally on the edge-node in the local format without establishing a connection to the first or second computer systems.