The present invention discloses an OBD-II-based vehicle-mounted intelligent terminal and a vehicle-mounted information public service system, the OBD-II-based vehicle-mounted intelligent terminal comprises a main control unit; an OBD-II reading module for reading vehicle native OBD-II interface information; a GPS module for vehicle positioning; a 3D acceleration sensor for sensing vehicle accelerated velocity, gravity sensor and impact strength; a FLASH memory for storing data; a power supply control module for power supply; and a 3G module for wireless transmission of data. The OBD-II-based vehicle-mounted intelligent terminal is not only conducive to the timely and effective handling of vehicle system failures, has the functions of record analysis of driving daily records and driving behaviors extended according to data obtained on the basis of OBD-II, vehicle driving condition remote monitoring, early warning systems, maintenance reminders and violation record inquiry and the like, and enhances the user's driving experience.