A message processing method, terminal and system. The method includes: obtaining a user's historical message interaction information and first context data associated with the user's historical message interaction information, where the user's historical message interaction information includes historical message interaction content and historical message replying status; determining the user's message interaction preferences according to the user's historical message interaction information and the first context data, where the message interaction preferences include a message reply policy and/or a message writing style; receiving a current message sent to the user, and obtaining second context data associated with the current message; and replying to the current message according to the message interaction preferences, the current message, and the second context data. With the present invention, the user's message interaction preferences are determined, and the current message can be replied automatically, thereby enhancing user experience.