Offline Payment Authorization Without Network Access

Traditional payment systems assume continuous network connectivity. The payment processor queries authorization backends in real-time, receives approval or denial, and settles the transaction. But this model breaks down in offline scenarios:

The challenge: How do you authorize payments when you cannot contact backend systems, while preventing double-spend and maintaining audit integrity?

AffixIO's offline payment authorization uses pre-distributed cryptographic proofs. Before operating offline, payment agents or devices request authorization tokens and eligibility proofs from the issuer. These proofs contain everything needed to verify payment legitimacy: the payer's authorization, merchant eligibility, transaction limits, and issuer signature.

When offline, the device verifies payment authorization locally using cached proofs and public keys. No network call is required. Transactions are recorded locally and reconciled when connectivity returns.

Before going offline, users or agents obtain cryptographically signed proofs of their payment authorization. These proofs include the issuer's signature, transaction limits, valid timeframe, and other constraints. The proofs are deterministic and tamper-evident.

Devices cache issuer public keys, revocation lists (if available), Merkle tree roots, and previous transaction records. This minimal local state enables verification without external queries. The cached state is refreshed when online.

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