A method for verifying a security of a service operation is provided. The method includes receiving, by a service terminal, a creditability analysis instruction of the service operation, where the creditability analysis instruction is sent by a service server. The method may further include obtaining, by the service terminal, a creditability analysis result of the service operation based on the creditability analysis instruction and one or more risk control models pre-stored in the service terminal, and sending the creditability analysis result to the service server for determining the security of the service operation.