Patent ID: 8706641

Claim:
A hybrid transaction processing system for processing authorization requests for transactions, comprising: a communications network configured to clear and settle transactions; and an offline platform communicatively integrated with the communications network; wherein the communications network is configured by at least one real-time server to: receive transaction information from a merchant for authorization of a first transaction between the merchant and a consumer; apply the transaction information to a predictive model to generate risk information; send the risk information and transaction information to an issuer of the consumer; receive a transaction authorization decision from the issuer based on the risk information; send the transaction authorization decision of the issuer to the merchant; and provide profile generating information to the offline platform; wherein the offline platform is configured by at least one offline server to: receive the profile generating information from the communications network, the profile generating information comprising at least the risk information, transaction information, and authorization decision; access historical transactional information; and generate a first updated predictive model based on the profile generating information and the historical transactional information related to past transactions occurring before the first transaction using the predictive model; wherein the communications network is further configured to: receive the first updated predictive model from the offline platform; and apply the first updated predictive model to a second transaction of the consumer to generate risk information for the second transaction.