A universal serial bus (USB) device access method, apparatus and system, a terminal, and a server are provided. The method, executed by a terminal, includes receiving an access request delivered by a server; if the access request instructs the terminal to perform the first access operation on the physical USB device, performing a first processing operation corresponding to the first access operation according to a compatibility policy, so as to feedback an execution result of the first processing operation to the server. The terminal performs the first processing operation by responding to the first access operation when the physical USB device does not support the first access operation therefore ensuring that a user properly uses the physical USB device.