The invention provides a data processing method and a terminal, and relates to the technical field of electronics. Normal communication between the terminal and intelligent key equipment can be ensured. The method comprises the following steps that the terminal acquires a transmission delay parameter when an APP (application) normally communicates with the intelligent key equipment on the terminal; the terminal performs data analysis, waveform processing and signal amplification processing on an audio file to be played within a time specified by the transmission delay parameter to obtain a level signal corresponding to the audio file to be played; the terminal transmits the level signal corresponding to the audio file to be played to the intelligent key equipment through an earphone interface. The data processing method is mainly applied to a process of data communication between the terminal and the intelligent key equipment.