A service processing method includes determining, by a first local terminal, whether a service needs to be roamed, and when the service needs to be roamed, transferring, by the first local terminal, the service to a second local terminal, where the second local terminal is in communication with the first local terminal using a first network. Local terminals in the first network are interconnected, such that service roaming can be implemented. The first network is a locally interconnected network, roaming does not need to be controlled by an operator network, and the local terminal can control the roaming.