Television bank public service platform

The invention relates to a television bank public service platform. The television bank public service platform is characterized in that: a television payment public service platform is embedded into a digital television set-top box system, consists of a co-branded smart card or universal serial bus (USB) KEY, a co-branded smart card slot or USB KEY socket and a data wire, cooperates with a built-in browser and a matched remote controller to form an entire system, and performs data transmission with a bank broadcasting and television acquiring system and a bank card system. Transaction data is encrypted by adopting a smart integrated circuit (IC) card, and is transmitted by a broadcasting and television digital television private network; user terminal equipment serves as a set-top box, and the data is encrypted by the smart IC card which is arranged in the set-top box, so the card has a relatively lower loss rate, and is easy to keep; signing binding is realized between the smart IC card and a bank card, and the smart IC card does not store sensitive data per se, so potential safety hazards are avoided; and data communication among the bank card, a transaction data encryption system, the digital television set-top box and the bank acquiring system is realized, and the expense transaction activities of various services of a user are finished.