A smart card read/write method, comprising: registering a third-party application on a platform application server, by establishing a mapping relationship between an application identifier and a corresponding third-party application link in an application mapping table on the platform application server; sensing, by a terminal running a platform application, a touch event of a smart card; obtaining, by the terminal, from the smart card, an application identifier corresponding to the touch event; displaying, by the terminal, a page corresponding to the obtained application identifier, the page comprising a predefined function menu; obtaining, by the terminal, from the platform application server, a control instruction set corresponding to the obtained application identifier, the control instruction set being a set of smart card control instructions that are preselected by the third-party application from a preset standard instruction set, wherein said smart card control instructions correspond to options in the function menu on the page corresponding to the application identifier, wherein the step of obtaining, by the terminal, the control instruction set corresponding to the application identifier comprises: uploading, by the terminal, the application identifier to the platform application server, obtaining, by the platform application server, the third-party application link corresponding to the uploaded application identifier, capturing, by the platform application server, according to the obtained third-party application link corresponding to the application identifier, the control instruction set of smart card control instructions corresponding to the options in the function menu, returning, by the platform application server, the captured control instruction set, receiving, by the terminal, the control instruction set returned by the platform application server, obtaining, by the terminal, an option triggered in the function menu on the page, obtaining, by the terminal, the smart card control instruction that corresponds to the triggered option and that is in the control instruction set, and invoking, by the terminal a corresponding interface function, according to the obtained smart card control instruction, to read/write the smart card. registering a third-party application on a platform application server, by establishing a mapping relationship between an application identifier and a corresponding third-party application link in an application mapping table on the platform application server; sensing, by a terminal running a platform application, a touch event of a smart card; obtaining, by the terminal, from the smart card, an application identifier corresponding to the touch event; displaying, by the terminal, a page corresponding to the obtained application identifier, the page comprising a predefined function menu; obtaining, by the terminal, from the platform application server, a control instruction set corresponding to the obtained application identifier, the control instruction set being a set of smart card control instructions that are preselected by the third-party application from a preset standard instruction set, wherein said smart card control instructions correspond to options in the function menu on the page corresponding to the application identifier, wherein the step of obtaining, by the terminal, the control instruction set corresponding to the application identifier comprises: uploading, by the terminal, the application identifier to the platform application server, obtaining, by the platform application server, the third-party application link corresponding to the uploaded application identifier, capturing, by the platform application server, according to the obtained third-party application link corresponding to the application identifier, the control instruction set of smart card control instructions corresponding to the options in the function menu, returning, by the platform application server, the captured control instruction set, receiving, by the terminal, the control instruction set returned by the platform application server, obtaining, by the terminal, an option triggered in the function menu on the page, obtaining, by the terminal, the smart card control instruction that corresponds to the triggered option and that is in the control instruction set, and invoking, by the terminal a corresponding interface function, according to the obtained smart card control instruction, to read/write the smart card. uploading, by the terminal, the application identifier to the platform application server, obtaining, by the platform application server, the third-party application link corresponding to the uploaded application identifier, capturing, by the platform application server, according to the obtained third-party application link corresponding to the application identifier, the control instruction set of smart card control instructions corresponding to the options in the function menu, returning, by the platform application server, the captured control instruction set, receiving, by the terminal, the control instruction set returned by the platform application server, obtaining, by the terminal, an option triggered in the function menu on the page, obtaining, by the terminal, the smart card control instruction that corresponds to the triggered option and that is in the control instruction set, and invoking, by the terminal a corresponding interface function, according to the obtained smart card control instruction, to read/write the smart card.