The invention provides an implementation method of a phone 
payment terminal 
software platform. The method comprises the following steps of: setting a bottom layer, a second layer, a third layer and a top layer on the 
software platform of the products of the same model from bottom to top, setting a guide and 
upgrade program module, a 
power management module, a 
memory management module and an interruption foreground-background management module on the bottom layer, setting an 
event management module, a device management module, a hardware configuration module and a universal drive logic on the second layer, and setting a 
test program module on the top layer, wherein the constituent parts at the lower 
layers support the constituent parts of the upper layer, the constituent parts of the same layer can be dependent on each other. The 
software platform further comprises a 
database module and a financial service utility function 
library, which do not strictly belong to the second layer and the top layer. The phone 
payment terminal software platform based on the SunPlus 16-bit processor environment can effectively reduce the 
coupling degree of the upper 
application software and the hardware, simplify the upper 
software development details and accelerate migration on the hardware products of different models.