This research is proposed on the analysis and classification of the account risk of the financial terminal to put forward the corresponding design principles and schemes of risk prevention. A new generation of a unified platform for financial terminal application integrating accounting risk prevention is developed, which is applied to the operation of tens of thousands of financial terminals of a large domestic bank. Practice shows that the risk prevention scheme proposed in this research can effectively enhance the financial security of banks and users and can significantly reduce the number of accounting disputes between banks and financial end-users.