An integrated circuit, IC, card off-line PIN verification method, comprising the following steps: step a: a POS terminal obtaining a first off-line PIN1, and the POS terminal generating a dynamic challenge code, the dynamic challenge code and the first off-line PIN1 being transmitted to a card application of IC card, wherein the first off-line PIN1 is a password input to the POS terminal by a cardholder; step b: the card application verifying whether the first off-line PIN1 and a second off-line PIN2 are consistent with each other or not, wherein the second off-line PIN2 is a real password of the IC card stored in the IC card in advance; step c: in case that the determination is "consistent" at step b, the card application performing a specified calculation by combining the second off-line PIN2 with the dynamic challenge code to derive a first signature data, and the first signature data and a success status code being returned to the POS terminal; in case that the determination is "inconsistent" at step b, an error status code being returned to the POS terminal; and step d: the POS terminal verifying the first signature data in case of receiving the success status code, and starting the subsequent transaction procedure if the first signature data is verified successfully and executing an abnormal processing if the first signature data is verified unsuccessfully; on the other hand, the POS terminal executing the abnormal processing in case of receiving the error status code, wherein, at the step a, the POS terminal generates a random number as a dynamic challenge code, wherein at the step a, the POS terminal composes the first off-line PIN1 and the dynamic challenge code into a verification instruction to transmit them together to the card application. step a: a POS terminal obtaining a first off-line PIN1, and the POS terminal generating a dynamic challenge code, the dynamic challenge code and the first off-line PIN1 being transmitted to a card application of IC card, wherein the first off-line PIN1 is a password input to the POS terminal by a cardholder; step b: the card application verifying whether the first off-line PIN1 and a second off-line PIN2 are consistent with each other or not, wherein the second off-line PIN2 is a real password of the IC card stored in the IC card in advance; step c: in case that the determination is "consistent" at step b, the card application performing a specified calculation by combining the second off-line PIN2 with the dynamic challenge code to derive a first signature data, and the first signature data and a success status code being returned to the POS terminal; in case that the determination is "inconsistent" at step b, an error status code being returned to the POS terminal; and step d: the POS terminal verifying the first signature data in case of receiving the success status code, and starting the subsequent transaction procedure if the first signature data is verified successfully and executing an abnormal processing if the first signature data is verified unsuccessfully; on the other hand, the POS terminal executing the abnormal processing in case of receiving the error status code, wherein, at the step a, the POS terminal generates a random number as a dynamic challenge code, wherein at the step a, the POS terminal composes the first off-line PIN1 and the dynamic challenge code into a verification instruction to transmit them together to the card application.