The present invention discloses a method for processing parallel data storage and authentication and a terminal. In this case, the method comprises: a data processing thread of a terminal storing data into a corresponding cache area according to a type of the data, wherein the type of the data comprises authentication type and storage type, data of the authentication type is stored in a first cache area, and data of the storage type is stored in a second cache area; a scheduling processing thread of the terminal reading data from the first cache area and the second cache area alternately according to a reading rule associated with the data type, and sending the read data to a smart card of the terminal; and the smart card performing storage or authentication according to the type of the received data. By way of the present invention, the problem that data storage operation is failed when there is data authentication operation is solved, thus achieving the effect of improving terminal performance and user experience satisfaction.