The invention is suitable for the technical field of business terminals and particularly relates to a business operation processing method, a business operation processing apparatus and a business terminal. The business operation processing method comprises the steps of monitoring an operation state of a user under a business operation interface of the business terminal; and if it is monitored that the operation state is a non-idle state, prolonging operable time of the user under the business operation interface currently, wherein the non-idle state refers to a state that a continuous non-operation duration under the business operation interface is not greater than a preset duration. By monitoring the operation state of the user under the business operation interface of the business terminal, and prolonging the operable time of the user with the operation state being the non-idle state under the current business operation interface, the flexibility of business operation processing can be improved.