Abstract: The application discloses a single-chip financial audio IC card, including a security chip, a contact module, a non-contact module and an audio module switch. The security chip is used for controlling, analyzing and processing data, which is shared by a controlling, analyzing and processing data module; the contact module has function of contact communication, including a 7816 interface; the non-contact module has function of non-contact communication, including a RF coil; the audio module has function of acoustic communication, including a switch, a battery and a buzzer; the contact module, non-contact module and audio module are connected in parallel to the security chip. The application of single-chip financial audio IC card has the advantages of low cost, small processing difficulty, good compatibility, high security, good stability and reliability.