the technical solutions of the embodiments of the disclosure are described in a clear and complete manner in association with the accompanying drawings as follows . apparently , the described embodiments are merely a part of , rather than , all embodiments of the disclosure . based on the described embodiments of the disclosure , other embodiments obtained by those skilled in the art without conducting inventive work should fall into the scope of the disclosure . embodiment 1 of the present invention provides a method for generating and verifying a dynamic password , which specifically comprises : step 101 , a token receives a command for triggering and generating dynamic password ; preferably , in embodiment 1 , the command for generating dynamic password can be press key trigger information ; after step 101 , the method further includes a step that the token prompts a user to input data , such as challenge code , transaction account number , transaction amount , etc . into the token . in embodiment 1 , the token can make a choice from many types of dynamic passwords . for example , the token can have different press keys for a user to choose generating different types of dynamic passwords for logging in account , modifying account information , transferring money , transaction , etc ., and prompt the user to input corresponding data according to an agreement preset with a server . step 102 , the token generating a first dynamic factor according to time counted by a first timer inside the token and a first preset time length ; preferably , in embodiment 1 , the first dynamic factor is number of the complete first preset time length contained in the time counted by the first timer ; specifically , in embodiment 1 , generating the dynamic factor includes dividing the time value counted by the timer by the first preset time length to obtain a quotient and performing rounding operation on the quotient to obtain the first dynamic factor . step 103 , determine whether the first dynamic factor is identical to the data in the first cache , if yes , go to step 104 ; otherwise , initialize a first offset point and update the data in the first cache with the first dynamic factor , then go to step 104 ; preferably , in embodiment 1 , the first offset pointer points to some data in a first data group ; after the first offset pointer is initialized , the first offset pointer points to the first data in the first data group . the data stored in the first cache can be a dynamic factor which is generated when the token generates the last dynamic password ; or a corresponding dynamic factor when the first offset pointer is initialized last time . in embodiment 1 , the offset pointer can be initialized according to the time counted by the timer ; according to the timer , the first offset pointer is initialized once every preset time length ; correspondingly , step 103 is deleted , i . e . go to step 104 directly after step 102 . step 104 , obtain current data from the first data group according to the first offset pointer , invoke the preset algorithm to compute current data and the first dynamic factor and generate a first dynamic password ; the offset pointer points to the next data of the current data in the first data group ; preferably , in embodiment 1 , before step 101 , the method further includes that when the token prompts the user to input data such as challenge code , transaction account number , transaction amount , etc ., all of the data input into the token by the user , current data , the first dynamic factor and token key participate in generating a dynamic password . generating the first dynamic password specifically includes invoking the preset algorithm such as sha1 , sm3 , etc . to compute the data obtained by combined data and obtain the first dynamic password by extracting preset digits of data from the computing result . specifically , in step 104 of embodiment 1 , the first offset pointer points to next data of current data further includes verifying the current data is the last data in a second data group , if yes , setting the first offset pointer to invalid status and waiting for initializing ; otherwise , pointing the first offset pointer to the next data of the current data . correspondingly , before step 104 , the method further includes a step that the token determines whether the first offset pointer is invalid state ; if yes , report error ; if no , go to step 104 . the data in the first data group are different from each other and the order and the number of data are fixed . the first data group can be a group of irregular data or a group of data with regular change , such as data which are gradually increasing or gradually decreasing , etc . step 105 , the server receives a second dynamic password input by the user and generates a second dynamic factor according to the time counted by a second timer and the first preset time length ; preferably , in embodiment 1 , the server receives the second dynamic password input by the use via a host . generating the second dynamic factor specifically includes that the second dynamic factor is obtained by dividing the time counted by the second timer by the preset time length to obtain a quotient , performing rounding operation on the quotient so as to obtain a result and adding the result to a shift value recorded by the server . before step 105 , the method further includes a step that the server receives an operating request sent by the user and prompts the user to input a dynamic password ; particularly , when it is preset that a challenge code is required to participate in generating a dynamic password , a step that the server generates a challenge code is performed before step 105 . step 106 , generate a group of dynamic factors according to the second dynamic factor and a verification window value so as to obtain a verification window ; preferably , in embodiment 1 , for example , the verification window value is 2 ; the generated group of dynamic factors includes a third dynamic factor obtained by subtracting 1 from the value of the second dynamic factor ; the second dynamic factor , and a fourth dynamic factor obtained by adding 1 to the value of the second dynamic factor . step 107 , the server invokes the second dynamic factor in the verification window and generates a group of dynamic passwords according to the second dynamic factor and respective data in the second data group inside the server ; preferably , in embodiment 1 , the data , the number of data and the order of data in the second data group is identical to that in the first data group . that the server generates the first group of dynamic passwords specifically includes invoking the preset algorithm , combining the second dynamic factor and respective data in the second data group respectively , computing the respective data obtained by combining to obtain the first group of dynamic passwords ; the algorithm of generating each dynamic password and the process thereof is identical to that of step 104 . particularly , when the token generates the dynamic password with participation of information , which is predetermined with the server and input by the user , or a challenge code , in step 107 , the process of generating the dynamic password is identical to the process that the token generates the first dynamic password ; the data which is input into the server by the user via the host and corresponding data in the challenge code generated by the server participate in generating the first group of dynamic password . the present embodiment 1 provides a preferable way so as to clearly describe process of generating a dynamic password . for example , respective data in the second data group are as the following order : ten data from 0x 00 00 00 00 to 00 00 00 09 , the second dynamic factor of 0x 00 00 00 00 01 56 56 01 , the challenge code of 0x 31 32 33 34 35 36 37 38 - 39 30 and token key of 0x 80 d0 3f 19 3f e5 0c 2d - de 8a 84 46bf a2 88 de 35 92 65 lc ; the preset algorithm is sm3 ; specifically , the key is sequentially assembled with second dynamic factor and then respectively sequentially assembled with the ten data in the second data group to obtain ten assembled data ; then the challenged code is assembled after the assembled data respectively so as to obtain ten combined data ; the preset algorithm is used to compute the ten combined data respectively to obtain ten pieces of digest ; four bytes of data at low - order end are intercepted from respective pieces of digest and then all of the incepted data are transferred into decimal numbers ; 8 bits of data of lower order are intercepted from ten decimal numbers respectively so as to obtain the first group of dynamic passwords . step 108 , the server verifies whether a dynamic password which is identical to the second dynamic password exists in the first group of dynamic passwords ; if yes , go to step 111 ; otherwise , go to step 109 ; step 109 , the server invokes the next dynamic factor of the second dynamic factor in the verification window , generates the second group of dynamic passwords according to the invoked dynamic factor and the second data group and determine whether a dynamic password , which is identical to the second dynamic password , exists in the second group of dynamic passwords ; if yes , go to step 111 ; otherwise , go to step 110 ; in embodiment 1 , refer to step 107 for the process of generating the second group of dynamic passwords . step 110 , the server invokes the next dynamic factor of a currently invoked dynamic factor in the verification window , generates a third group of dynamic passwords according to currently invoked dynamic factor and the second data group , determines whether a dynamic password , which is identical to the second dynamic password , exists in the third group of dynamic passwords ; if yes , go to step 111 ; otherwise , the verification is failed , reporting an error ; refer to step 107 for the process of generating the third group of dynamic passwords . preferably , in embodiment 1 , the verification window value is 2 , therefore the verification window has 3 dynamic factors ; the sequence of invoking the dynamic factors is as the following : firstly , the second dynamic factor is invoked and then the second dynamic factor plus and minus 1 to obtain the dynamic factors . the verification window value can be other values ; correspondingly , the verification window includes other dynamic factors ; in step 110 , if a dynamic password , which is not identical to the second dynamic password , does not exist in the third group of dynamic passwords , dynamic passwords are generated by invoking other dynamic factors in turns and verified as well . the sequence of invoking other dynamic factors according to orders of the absolute values of different of the dynamic factors and the second dynamic factor , i . e . from small to large . step 111 , compare the dynamic factor corresponding to the dynamic password , which is identical to the second dynamic password , with the data in the second cache of the server ; if the corresponding dynamic factor is less than the data in the second cache , the verification is failed and an error is reported ; if the corresponding dynamic factor is equal to the data in the second cache , go to step 112 ; if the corresponding dynamic factor is more than the data in the second cache , the verification is successful ; update the data in the second cache with the corresponding dynamic factor and initialize the second offset pointer . preferably , in embodiment 1 , after initializing , the second offset pointer points to the first data in the second data group . step 112 , determine whether the position of data in the second data group corresponding to the dynamic password which is identical to the second dynamic password is located behind the data which is pointed to by the second offset pointer ; if yes , the verification is successful , update the data in the second cache with the value of the corresponding dynamic factor and point the second offset pointer to the corresponding data in the second data group ; otherwise , the verification is failed and an error is reported . preferably , in embodiment 1 , the data pointed to by the second offset pointer is the data in the second data group corresponding to the dynamic password which is verified successfully last time . referring to fig2 , step 107 to step 110 can be replaced by following steps . step 207 , generate a fourth group of dynamic passwords according to the second data group and the dynamic factors in the verification window ; preferably , in embodiment 1 , obtain the fourth group of dynamic passwords according to respective dynamic factors in the verification window and respective data in the second data group . specifically , the fourth group of dynamic passwords includes all dynamic passwords of the first group of dynamic passwords , the second group of dynamic password and the third group of dynamic passwords ; for the way of generating dynamic passwords , refer to step 107 . specifically , in embodiment 1 , the verification window value is 2 and the second data group has ten data ; correspondingly , subtract 1 from the second dynamic factor and add 1 to the second dynamic factor to obtain three different dynamic factors ; generate the fourth dynamic password according to the third dynamic factor and the respective data in the second data group ; the obtained fourth group of dynamic passwords includes 30 dynamic passwords . step 208 , determine whether a dynamic password which is identical to the second dynamic password exists in the fourth dynamic passwords ; if yes , go to step 111 ; otherwise , the verification is failed and an error is reported . referring to fig3 , preferably , in embodiment 1 , step 107 to step 112 can be replaced by following steps . step 307 , determine whether a dynamic factor which is identical to the data in the second cache exists in the verification window ; step 308 , generate the fourth group of dynamic passwords according to the respective dynamic factors in the verification window and the second data group ; go to step 310 ; preferably , for detail of step 308 , refer to step 207 . step 309 , obtain a dynamic factor , which is more than or equal to the data in the second cache , in the verification window ; generate the fifth group of dynamic passwords according to the obtained respective dynamic factors , the second offset pointer and the respective data in the second data group ; go to step 310 ; specifically , in embodiment 1 , the value of the verification window is 2 ; if the second dynamic factor in the verification window is identical to the data in the second cache , step 309 specifically includes obtaining a first part of a dynamic password by computing the second dynamic factor and respective data in the second data group respectively ; generating the second part of the dynamic password according to the data pointed to by the second offset pointer by taking the respective data located after the data pointed to by the second offset pointer and the obtained respective dynamic factors which are more than the second dynamic factor ; the first part of the dynamic password and the second part of the dynamic password are combined to form a fifth dynamic passwords . step 310 , determine whether a dynamic password , which is identical to the second dynamic password , exists in the generated group of dynamic passwords , if yes , the verification is successful and update the data in the second cache with the dynamic factor corresponding to the dynamic password which is identical to the second dynamic password and point the second offset pointer to the data corresponding to the dynamic password , which is identical to the second dynamic password , in the second data group ; otherwise , the verification is failed and an error is reported . referring to fig4 , embodiment 2 of the present invention provides a system of generating and verifying a dynamic password , which includes a token and a server . the token includes a first receiving module 401 configured to receive a command for generating dynamic password ; a first generating module 402 configured to generate a first dynamic factor according to time counted by a first timer inside the token when the first receiving module 401 receives the command for generating dynamic password ; an operating module 403 configured to initialize a first offset pointer every preset time length ; or initialize the first offset pointer when determining that the first dynamic factor is not identical to the data in the first cache and update the data in the first cache with the first dynamic factor ; a first computing module 404 configured to obtain current data from a first data group according to the first offset pointer , invoke the preset algorithm and obtain a first dynamic password by computing according to the first dynamic factor and current data ; a first determining module 405 configured to determine whether the current data is the last data in the first data group after the first computing module 404 obtained the first dynamic password by computing ; and a setting module 406 configured to point the first offset pointer to next data of current data in the first data group when the current data is not the last data ; set the first offset pointer as invalid state when the current data is the last data and wait for initializing ; and a second receiving module 407 configured to receive a second dynamic password input by a user via a host ; a second generating module 408 configured to obtain a second dynamic factor according to time counted by a second timer inside the server ; generate a group of dynamic factors according to the second dynamic factor and a verification window value to obtain a verification window ; a second computing module 409 configured to invoke the preset algorithm and generate a group of dynamic passwords by computing according to the dynamic factor in the verification window and respective data in the second data group stored inside the server ; and a verifying module 410 configured to verify whether a dynamic password which is identical to the second dynamic password exists in the group of dynamic passwords . a comparing module 411 configured to compare the dynamic factor corresponding to the dynamic password which is identical to the second dynamic password with the data in the second cache when the verifying module 410 verifies that a dynamic password which is identical to the second dynamic password exists in the group of dynamic passwords ; if the dynamic factor is more than the data in the second cache , verification is successful and a first updating module 412 works ; if the dynamic factor is less than the data in the second cache , verification is failed ; and if the dynamic factor is equal to the data in the second cache , the second determining module 413 works ; the first updating module 412 configured to update the data in the second cache with the dynamic factor corresponding to the dynamic password which is identical to the second dynamic password and set the second offset pointer to point to data corresponding to the dynamic password , which is identical to the second dynamic password , in the second data group ; the second determining module 413 configured to determine whether order of data corresponding to the dynamic password , which is identical to the second dynamic password , in the second data group is behind the data pointed by the second offset pointer , if yes , the verification is successful and set the second offset pointer to point to the data corresponding to the dynamic password , which is identical to the second dynamic password , in the second data group ; otherwise , the verification is failed . the first receiving module 401 is further configured to receive data which is input into the token by the user ; the second receiving module 407 is further configured to receive data which is input into the server by the user via the host ; and the second generating module 408 is further configured to generate the challenge code . a third combining unit 4041 configured to combine the first dynamic factor , the current data , the token key with the data which is input into the token by the user ; and a fourth processing unit 4042 configured to invoke the preset algorithm to compute the data obtained by combining by the third combining unit to obtain the first dynamic password . a first invoking unit 4091 configured to invoke the preset algorithm and the first dynamic factor in the verification window ; a first combining unit 4092 configured to combine respective dynamic factors in the verification window with respective data in the second data group respectively and orderly ; and a first processing unit 4093 configured to compute respective data , which is obtained by combining by the first combining unit 4092 , with the preset algorithm so as to obtain the group of dynamic passwords . preferably , in embodiment 2 , the second computing module 409 can alternatively include a second invoking unit configured to invoke the preset algorithm and invoke the dynamic factors in the verification window orderly ; a second combining unit configured to combine respective data in the second data group with the invoked dynamic factor respectively ; and a second processing unit configured to compute data obtained by combining by the combining unit with the preset algorithm to obtain a group of dynamic passwords ; a first verifying unit configured to verify whether a dynamic password , which is identical to the second dynamic password , exists in the group of dynamic passwords obtained by computing by the second processing unit ; and a first determining unit configured to determine whether the invoked dynamic factor is the last dynamic factor in the verification window when the first verifying unit 4101 verifies that no dynamic password , which is identical to the second dynamic password , exists in the group of dynamic passwords ; if the currently invoked dynamic factor is not the last dynamic factor , invoking a next dynamic factor and the second combining unit starts working . a searching unit configured to find the dynamic factor which is equal to or more than the data in the second cache in the verification window ; and a third processing unit configured to combine the dynamic factor , which is more than the data in the second cache , with respective data in the second data group orderly and respectively , invoke the preset algorithm to compute the data obtained by combining so as to obtain a first part of a dynamic password ; combine the dynamic factor , which is equal to the data in the second cache , with respective data after the data to which is pointed by the second offset pointer in the second data group respectively , invoke the preset algorithm and compute respective data obtained by combining so as to obtain a second part of the dynamic password ; and combine the first part of the dynamic password and the second part of the dynamic password so as to obtain the group of dynamic passwords . a second updating module configured to , when the verifying module 410 verifies that a dynamic password , which is identical to the second dynamic password , exists in the group of dynamic passwords , update the data in the second cache with the dynamic factor corresponding to the dynamic password which is identical to the second dynamic password , and point the second offset pointer to the data in the second data group corresponding to the dynamic password which is identical to the second dynamic password . above description is only to illustrate the preferred embodiments but not to limit the present invention . any modification and equivalent substitute made by those skilled in the art in the scope of the technical solution of the present disclosure should fall into the scope of protection of the present disclosure .