Offline payment method and offline payment system on basis of prepaid cards

The invention provides an offline payment method on the basis of prepaid cards. The offline payment method is characterized by comprising steps of authenticating identities of users in response to user information authentication requests; authenticating prepaid card information used in offline payment; generating token information; confirming payment information according to the token information and completing offline payment. The offline payment method has the advantages that NFC (near-field communication) modules are respectively arranged in client sides and payment sides, the client sides can be communicated with payment management equipment via the NFC modules in integral payment procedures, the offline payment method is convenient and speedy, and application places of a system can be expanded; the prepaid card information which is bound in prepaid card equipment is locally synchronized to be encrypted and stored, accordingly, offline payment can be implemented by the aid of the offline payment method, and payment can be carried out even in certain places under extreme conditions.