Patent ID: 9747644
Date: 2017-08-29
CPC Classifications: G06Q

Claim:
1. A method comprising the steps of: gathering transaction data for a plurality of successful payment device transactions in a first environment, said successful payment device transactions being carried over a payment processing network; filtering said transaction data to identify successful payment device transactions associated with payment devices for which offline authentication is not supported, to obtain a whitelist, wherein said filtering is carried out by at least one hardware processor located at a node of said payment processing network; carrying out propensity modeling on said whitelist to identify a subset of said payment devices for which said offline authentication is not supported which are more likely than a remainder of said payment devices for which said offline authentication is not supported to be used at a specific merchant, to obtain a further-refined whitelist, wherein said propensity modeling is carried out by at least one hardware processor located at said node of said payment processing network, said propensity modeling in turn comprising: making said further-refined whitelist available to a plurality of payment device readers in a second environment which is different from the first environment and which does not support real-time online authorization, via at least one of: said specific merchant, and a third party acting on behalf of said specific merchant, to permit inferring said offline authentication of said subset of said payment devices for which said offline authentication is not supported, in said second environment.