The present invention discloses an apparatus, a system and a method for short-range sound wave communication. The system realizes non-contact secure transmission by using the sound wave as the data transmission medium, and also can realize a reliable and secure data link directly through an audio connection. The invention systematically constructs multiple end-to-end transmission verification mechanisms for the process of data transmission: transmission data integrity verification, valid time verification, password verification, service data verification and data encryption; and according to the security level of the data, the sending end specifies the requirements for encryption and data verification in the transmission data so as to notify the reception end which verifications should be performed to the data packets, how to perform the verifications, etc. By using the same verification processing manner, operations can be performed to the data (e.g. the payment and settlement function of an account).