Systems and methods for facilitating offline payments

A method, comprising:

• storing encrypted payment processing data in an encrypted data store of an offline mobile device;
• retrieving the encrypted payment processing data with a risk assessment engine of the mobile device;
• determining, based on the encrypted payment processing data, whether an offline payment is authorized with the risk assessment engine;
• and
• storing the offline payment in a transaction pool on the offline mobile device after the offline payment has been provided to a recipient.

A system, comprising:

• a mobile device, including:
• an encrypted data store in which encrypted transaction processing data is stored,
• a risk assessment engine configured to retrieve the encrypted transaction processing data and determine, based on the encrypted transaction processing data, whether an offline transaction is authorized while the mobile device is offline, and
• a transaction pool configured to store the offline transaction after the offline transaction has been performed;
• and
• a payment provider server configured to fund the offline transaction when the mobile device communicates the stored offline transaction to the payment provider server while the mobile device is online following the offline transaction.