The invention discloses a public bicycle renting personal terminal service system. The public bicycle renting personal terminal service system comprises an intelligent cloud platform, an electronic bicycle lock, and a cell phone client, which are communicated with each other. The intelligent cloud platform comprises a GPS signal receiving device, a timer, a data management platform, an electronic bicycle lock unlocking locking program and signaling emitter, an identity verification program, and a payer verification program. The electronic bicycle lock comprises a GPS positioning system, and a numeric keyboard used for supporting password input unlocking and password input locking. The cell phone client comprises a registration submitting program, a payment binding program, a bicycle borrowing rreserving system, a bicycle returning program, and a user logout program. By adopting information convergence and feedback mechanism of three large plates, and five steps of realizing system operation:1, registration, 2, bicycle borrowing, 3, bicycle returning, 4, paying, and 5, logout, human resource management costs and labor time spent for bicycle borrowing, bicycle returning, and paying are greatly reduced, and the efficiency, the economy, and the operation maintenance, and other aspects of the public bicycle management are obviously improved.