OFF-LINE PAYMENT METHOD, TERMINAL DEVICE, BACKGROUND PAYMENT APPARATUS AND OFF-LINE PAYMENT SYSTEM

摘要

An off-line payment method, a terminal device, a background payment apparatus and an off-line payment system. The off-line payment method comprises: acquiring a challenge code (101); encrypting the challenge code and an account ID, and generating a transaction token (102); and performing off-line payment using the transaction token and a transaction password (103). In the method, a background payment apparatus dynamically generates a series of challenge codes in each transaction, a payment terminal device encrypts payment account information and the challenge code to form a transaction token for replacing the payment account information to perform foreground and background transaction transmission. The transaction token is dynamically generated by the payment terminal device, and different transaction tokens are generated for each transaction, thereby guaranteeing the account and transaction security. By means of the payment terminal device, an operation is performed offline, without networking, thereby improving the transaction success rate and the user experience.