A method for processing an operation request includes: detecting by a terminal an operation request, and sending an operation request message to a smart card; receiving by the smart card the operation request message, storing by the smart card the operation request message, generating by the smart card a joint password, generating a signature message, sending by the smart card at least the signature message to the terminal; outputting by the smart card a prompt message about the joint password, if the smart card detects that the smart card is disconnected from the terminal after the terminal obtains the signature message; receiving by the terminal the joint password, using the joint password as a password to be verified, notifying a verification device by the terminal to verify the signature message, and triggering by the verification device a procedure responding to the operation request if the signature message is successfully verified.