The invention provides a self-service terminal business processing method and a self-service terminal business processing system, and relates to the technical field of self-service terminals. The method comprises the following steps: recording execution progress of self-service business in real time in the process of allowing a self-service terminal to execute self-service business; counting exception interrupt duration if the self-service business is subjected to exception interrupt in the execution process, and judging whether self-service business which is not completely executed exists according to the execution progress of the self-service business recorded in real time when a business system of the self-service terminal restores to be normal; judging whether normal business processing flow is continuously executed according to the execution progress of the self-service business recorded in real time or whether corresponding business balancing is performed according to the execution progress of the self-service business recorded in real time according to the exception interrupt duration if the self-service business which is not completely executed exists. According to the method and system disclosed by the invention, when the self-service business is subjected to exception interrupt, the self-service terminal can automatically take corresponding remediation measures according to the exception interrupt duration, and the reliability of the self-service terminal business system is improved.