The invention discloses a transaction
verification method, device, equipment and
system based on a user terminal POS. The method comprises the following steps: after an acquiring application acquires
payment account information, acquiring a
chip identifier and transaction information of an eSE; calling a
ciphertext calculation application, encrypting the
chip identifier and the transaction information by using the
chip identifier key to obtain first
verification data, and encrypting the device serial number and the
payment account information by using the device serial number key to obtain second
verification data; determining verification data according to the first verification data, the second verification data and the
equipment serial number; and sending transaction information and verification data to a transaction
verification system through the transaction
system platform, so that the transaction verification platform verifies the first verification data based on the binding relationship and the transaction information under the condition that the binding relationship between the merchant terminal number and the
equipment serial number is stored, and the transaction
system platform verifies the second verification data. According to the embodiment of the invention, the universality of transaction verification of the user terminal POS can be improved.