A terminal and the chip implementation of the smart card

The present invention discloses a method of realization of a terminal and a smart card chip, wherein the method comprises: a request message to the interactive communication with the terminal transmitting the chip peripheral terminal, the message parameters in the request message carries the terminal peripheral interactive content information; peripheral interactive terminal receives the communication chip sends a response message, the response message carries the result information interaction with the terminal peripherals; according to the interaction result information corresponding to the service function request transmitted to the mobile communication network through the communication chip. The present invention communicates through a message interface or API call interface to the communication chip, and message interactive response request message by interacting with communication terminal for transmitting and receiving chip peripherals, according to the interaction result information corresponding service transmitted to the mobile communication network through the communication chip function request, solves the smart card and the terminal communication terminal slower rate problem.