电子现金作为一种重要的电子支付手段，得到了深入广泛地研究。目前已经有很多种解决方案，但由于很多原因电子现金仍没有得到普及。其中的一个原因是消费者从银行账户中取出一定金额的电子现金后，银行不再为其支付利息，消费者损失了这部分利息。针对这一问题，本文提出了一个可计息的离线电子现金方案，该方案可计提取电子现金到支付期间的利息，弥补了消费者利息的损失，而且在离线的状态下完成电子现金的支付，减少了通信成本。

E-cash (Electronic cash) is an important Electronic payment tool, which is the bottleneck of e-commerce development. Most proposed e-cash schemes are unpractical although it has been studied more than two decades. One of the shortcomings is that the interest of e-cash between drawing and consuming is lost. An off-line interest countable electronic cash scheme is proposed in this paper. The e-cash’s interest can be counted from the time of customers drawing to paying in the scheme. The communication cost is reduced due to its off-line environment.