The invention provides a method and system for realizing an electronic transaction through sound waves. The method comprises the steps that a user uses a mobile terminal of the user to log in an App account to select a sound-wave electronic transaction item, the user obtains a sound wave file, and the sound wave file is played; after a sound wave recognition device receives and recognizes information contained in the sound wave file, a transaction terminal device encrypts the information contained in the sound wave file and sends the encrypted information to a bank server; the bank server decrypts the encrypted information, then carries out transaction confirm according to the information contained in the sound wave file, and sends related information of the transaction to the App when the transaction is confirmed to be successful; when the user selects the confirm item, and selects some bank card on an interface, responded by the App, of bank cards which are in the account of the user, are successfully authenticated and bound, the App sends information of the bank card and the sound wave file or the information contained in the sound wave file to the bank server after carrying out encryption, and the transaction is completed after the bank server carries out decryption, and the user inputs a correct bank card password on the transaction terminal device.