Terminal smart card implementing method and chip

The invention discloses a terminal smart card implementing method and a chip. The method comprises: transmitting a requesting message of interaction with a peripheral of a terminal to a communication chip in the terminal, wherein the parameters of the requesting message carry content information of interaction with the peripheral of the terminal; receiving an interaction response message, transmitted from the communication chip, of the peripheral of the terminal, wherein the response message carries result information of interaction with the peripheral of the terminal; transmitting a corresponding service function request to a mobile communication network by using the communication chip according to the result information of the interaction. A terminal smart card communicates with the communication chip with a message interface or API calling interface. The request message of interaction with the peripheral of the terminal and the response message of interaction with the peripheral of the terminal are transmi