Data interaction method, verification terminal, server, and system

1. A data interaction method, applied in a verification system including a verification terminal and a server, the method comprising:

receiving, by the server, a pre-authorization request along with an account number and a password from a user terminal of a user;

processing, by the server, the account number and the password according to the pre-authorization request;

pre-authorizing, by the server, identity verification information according to the account number and the password as processed, the identity verification information including information on a maximum payment amount, a valid consumption period, and whether for the server to communicate with the user when the verification terminal seeks feedback information from the server;

sending the identity verification information, by the server, to the user terminal;

receiving, by the verification terminal, the identity verification information from the user terminal;

sending, by the verification terminal, a request instruction to the server, the request instruction including the identity verification information and a request for validity confirmation on the identity verification information;

after receiving the request instruction, communicating, by the server, with the user terminal corresponding to the identity verification information by sending a confirmation request directly to the user terminal, bypassing the verification terminal, wherein sending the confirmation request further comprises:

determining, by the server, a time at which the request instruction is received is outside of the valid consumption period; and

after having determined that the time is outside of the valid consumption period, seeking, by the server, confirmation of approval from the user terminal;

executing, by the server, an operation corresponding to the request instruction, and sending, by the server, the feedback information to the verification terminal; and

receiving, by the verification terminal, the feedback information from the server, the feedback information including a decision on validity confirmation of the identity verification information.

2. The method according to claim 1 , after submitting the account number and the password by the user, the method further comprising:

determining, by the server, whether the password as submitted by the user is the same as a preset password; and

generating the identity verification information upon determining by the server that the password as submitted by the user is the same as the preset password.

3. The method according to claim 1 , wherein sending by the server to the user terminal of the identification verification information occurs in advance of receipt by the verification terminal of the identity verification information from the user terminal.

4. The method according to claim 1 , further comprising:

acquiring, by the server, an identification value in the identity verification information;

determining, by the server, whether the identification value is a first preset identification value or a second preset identification value different than the first preset identification value; and

in response to determining the identification is the first preset identification value but not the second preset identification value, determining, by the server, to communicate with the user terminal.

5. The method according to claim 1 , further comprising:

authenticating, by the server, the identity verification information prior to communicating with the user terminal.

6. A verification system, comprising a verification terminal and a server, wherein the verification terminal includes a first processor and a first memory, the first memory storing one or more computer programs that, when executed by the first processor, causes the first processor to execute operations including:

receiving identity verification information from a user terminal, the identity verification information being information sent to the user terminal by the server in advance;

sending a request instruction to the server, the request instruction including the identity verification information and a request for validity confirmation on the identity verification information; and

receiving feedback information from the server, the feedback information being information sent by the server to the verification terminal after executing an operation corresponding to the request instruction; and

wherein the server includes a second processor and a second memory, the second memory storing one or more computer programs that, when executed by the second processor, causes the second processor to execute operations including:

processing an account number and a password according to a pre-authorization request submitted from a user;

pre-authorizing identity verification information according to the account number and the password as processed, the identity verification information including information on a maximum payment amount, a valid consumption period, and whether for the server to communicate with the user when the verification terminal seeks feedback information from the server;

sending the identity verification information to the user terminal;

executing the operation corresponding to the request instruction, and sending feedback information to the verification terminal, the feedback information including a decision on validity confirmation of the identity verification information; and

after receiving the request instruction and before sending the feedback information, communicating with the user terminal corresponding to the identity verification information by sending a confirmation request directly to the user terminal, bypassing the verification terminal, wherein sending the confirmation request further comprises:

determining a time at which the request instruction is received is outside of the valid consumption period; and

after having determined that the time is outside of the valid consumption period, seeking confirmation of approval from the user terminal.

7. The verification system according to claim 6 , wherein the second processor is further configured to execute operations including:

receiving a confirmation instruction from the user terminal in response to the confirmation request; and

executing, upon receipt of the confirmation instruction is received, the operation corresponding to the request instruction.

8. The verification system according to claim 6 , wherein the second processor is further configured to execute operations including:

acquiring an identification value in the identity verification information;

acquiring whether the identification value as acquired is a first preset identification value or a second preset identification value; and

determining that the identification value as acquired is the first preset identification value, prior to communicating with the user terminal.

9. The verification system according to claim 6 , the second processor is further configured to execute operations including:

authenticating the identity verification information prior to communicating with the user terminal.

10. The verification system according to claim 6 , wherein the second processor is further configured to execute operations including:

determining, before generating the identity verification information, whether the password as submitted by the user is the same as a preset password, and generating the identity verification information upon determining the password as submitted by the user is the same as the preset password.