A user identification card, a terminal, and a related processing method. On a first smart card chip (120) of the user identification card are a ground interface, a clock interface, a first power supply interface, a first reset interface, and a first data transmission interface connected respectively to a ground pin (C105), an external clock pin (C103), a first power supply pin (C101), a first reset pin (C102), and a first data transmission interface pin (C107); on a second smart card chip (130) are a ground interface, a clock interface, a second power supply interface, a second reset interface, and a second data transmission interface connected respectively to the ground pin (C105), the external clock pin (C103), a second power supply pin (C111), a second reset pin (C109), and a second data transmission interface pin (C110). Insertion of the user identification card into a corresponding terminal, with the employment of the related processing method, allows for simultaneous online use of two numbers of a singl
