TWI696136B - System and method for executing transaction based on a mobile communication device - Google Patents

Abstract

A system for executing transaction based on a mobile communication device comprises an automated teller machine (ATM), the mobile communication device and a verification server. A trigger unit of the ATM generates a trigger signal, a control unit of the ATM generates a transaction initiation signal according to the trigger signal and uses a display unit of the ATM and a communication unit of the ATM to display and send the transaction initiation signal. The mobile communication device comprises a scanning unit configured to get the transaction initiation signal, an input unit configured to input a transaction content, and a computing unit configured to generate a verification information according to the transaction content and the transaction initiation signal. The mobile communication sends the verification information to the verification server, the verification server sends a continuation signal to the ATM when the verification information has a portion that matches the transaction initiation signal. The transaction unit of the ATM executes a transaction operation according to the continuation signal.

Description

System and method for executing transaction through mobile communication device

The invention relates to a transaction system and method, in particular to a system and method for executing transactions through a mobile communication device.

ATMs (Automated Teller Machines) located all over the country meet the needs of the general public for financial services such as deposits, withdrawals, or transfers outside the bank's business hours, especially increasing the convenience of cash flow.

However, traditional ATMs are purely based on cards and digital passwords as the basis for transaction authentication, and there are many inconveniences. For example: due to its small size, the financial card is easy to lose and not easy to retrieve. Once lost, it can only be accessed by the user at the bank counter. After completing the lengthy replacement procedures, the ATM can be used again with the newly obtained financial card; in addition, Some users are still used to recording the password directly on the financial card, or setting the password as a combination of numbers associated with personal data (for example: phone number, date of birth, ID number, etc.) makes the password easy to try Guess it; therefore, once the user's financial card is obtained by a person who is familiar with the user, the transaction system based on traditional ATMs, financial cards and passwords cannot effectively prevent this type of theft. In other words, using only passwords and cards as an authentication method for ATMs to execute transactions has many shortcomings.

In view of this, the present invention proposes a system and method for executing a transaction through a mobile communication device. By operating the mobile communication device to scan a specific signal during the transaction, an authentication method can effectively avoid various inconveniences caused by the loss of the financial card It also simplifies the traditional steps of operating an ATM with a financial card. In addition, it can increase the security and privacy during the transaction through the personal identification method of the mobile communication device itself.

According to an embodiment of the invention, a system for executing a transaction through a mobile communication device includes an ATM, a mobile communication device, and an authentication server. The ATM includes a trigger unit, a control unit, a communication unit, a display unit, and a transaction unit. The trigger unit, communication unit, display unit and transaction unit are all electrically connected to the control unit. The trigger unit is used to generate a trigger signal when being triggered. The control unit generates a transaction start signal according to the trigger signal. The display unit displays the transaction start signal, and the displayed transaction start signal is a quick response matrix code. The communication unit sends a transaction start signal. The mobile communication device includes a scanning unit, an input unit and an arithmetic unit. The scanning unit is electrically connected to the computing unit and obtains the transaction start signal. The input unit is electrically connected to the arithmetic unit and provides input for generating transaction content. The computing unit generates verification information according to the transaction content and transaction activation signal operation and sends the verification information through the mobile communication device. Verify that the server communication is connected to the ATM and mobile communication device. The verification server receives the transaction activation signal and the verification information to perform the judgment process accordingly, and when the verification information includes a part that matches the transaction activation signal, the verification server sends a renewable signal to the ATM. The transaction unit of the ATM performs the transaction operation according to the renewable signal.

A method for executing a transaction through a mobile communication device according to an embodiment of the present invention includes: triggering a trigger unit of an ATM to generate a trigger signal; ATM generates a transaction start signal at least according to the trigger signal; and a display unit of the ATM displays the transaction Start signal; the ATM's communication unit sends the transaction start signal; scans the transaction start signal displayed on the display unit through the scanning unit of the mobile communication device; enters the transaction content in the input unit of the mobile communication device; the mobile communication device according to the transaction content and transaction start The signal generates and sends verification information; the verification server receives the transaction start signal and verification information and executes the judgment process. When the judgment process judges that the verification information includes a part that matches the transaction start signal, the verification server sends the renewable signal to the automatic ATMs; and ATMs perform transaction operations based on the renewable signal.

With the above structure, the system and method for performing transactions through mobile communication devices disclosed in the present invention, users can carry out the ATMs installed in financial institutions such as banks or post offices without using traditional financial cards and entering passwords. Payment, deposit or transfer and other common financial transaction operations. In practical applications, users simply trigger the ATM, then scan the bar code displayed on the screen of the ATM through the mobile communication device they own, and enter the transaction content. After the authentication is completed on the verification server at the bank or post office, Users can obtain cash, deposit cash, or complete transfers at the ATM. The overall process is simple and safe, and it effectively avoids the inconveniences caused by the loss and theft of financial cards and the obtaining of passwords.

The above description of the disclosure and the following description of the embodiments are used to demonstrate and explain the spirit and principle of the present invention, and provide a further explanation of the scope of the patent application of the present invention.

The following describes in detail the detailed features and advantages of the present invention in the embodiments. The content is sufficient for any person skilled in the relevant art to understand and implement the technical content of the present invention, and according to the contents disclosed in this specification, the scope of patent application and the drawings Anyone skilled in the relevant art can easily understand the purpose and advantages of the present invention. The following examples further illustrate the views of the present invention in detail, but do not limit the scope of the present invention in any way.

Please refer to FIG. 1, which illustrates a system architecture diagram for executing a transaction through a mobile communication device according to an embodiment of the present invention. The system includes an ATM 1, a mobile communication device 3, and an authentication server 5. The ATM 1 is communicatively connected to the verification server 5, and the mobile communication device 3 is communicatively connected to the verification server 5. In practice, the "communication connection" refers to the connection through wired or wireless means; the wired communication connection means, for example, through a telephone line, Universal Serial Bus (USB), twisted pair, coaxial cable or fiber optic cable, etc. Way of communication connection; wireless communication connection methods such as Global System for Mobile communications (GSM), Worldwide Interoperability for Microwave Access (WiMax), and Code Division Multiple Access, CDMA), Near Field Communication (NFC), Bluetooth or Wi-Fi, etc. The invention does not limit the type of communication connection.

The ATM 1 includes a trigger unit 10, a control unit 12, a communication unit 14, a display unit 16, and a transaction unit 18; wherein, the trigger unit 10, the communication unit 14, the display unit 16, and the transaction unit 18 are all electrically connected to the control unit 12, As shown in Figure 1.

Please refer to Figure 1. The trigger unit 10 is used to generate a trigger signal when triggered by a user. The trigger signal is used to replace the traditional ATM with "insert a financial card into a card slot" as the action to start the financial operation interface. In practice, the trigger unit 10 is usually implemented by physical buttons or button blocks on the touch screen. In other embodiments of the present invention, the trigger unit 10 may also be an NFC sensor device having a reader/writer mode or a peer-to-peer mode (P2P mode), and is provided in the user's mobile communication device 3 NFC device, chip or antenna that can run Card emulation mode; by this, the user brings the mobile communication device 3 close to the trigger unit 10 of the ATM 1 and uses NFC sensing technology to achieve the trigger effect without the need The trigger unit 10 is actually touched with a limb. In yet another embodiment, the trigger unit 10 is a fingerprint identification device. When the user touches the trigger unit 10 with a finger, the trigger unit 10 obtains the user's fingerprint signal and searches an online database based on the fingerprint signal. When the matching fingerprint data is detected in the database, the trigger unit 10 sends the trigger signal . The online database is composed of personal information retained by the user when opening an account at the bank, which contains the user's fingerprint data. In another embodiment, the verification mechanism of the trigger unit 10 itself can further improve the security of the system for executing transactions through a mobile communication device according to the present invention. In addition, it must be particularly noted that the aforementioned fingerprint recognition dents can also be replaced by biometric identification technologies such as face, vein, iris, and voiceprint, which are not limited by the present invention.

Please refer to Figure 1. The control unit 12 is, for example, a central processing unit (CPU), a microprocessor, a digital signal processor (DSP), or a special application integrated circuit (Application-Specific Integrated Circuit) of a general personal computer , ASIC), other similar components or a combination of the above components, the invention does not limit the hardware type of the control unit 12. The control unit 12 is used to generate a transaction start signal according to the trigger signal. In other words, when the trigger unit 10 is triggered by the user, the control unit 12 then generates a corresponding transaction start signal. Based on transaction security considerations, the transaction start signal should be unique and timely. In practice, the control unit 12 calculates a transaction start signal based on the trigger signal, the date and current time of the trigger signal. The calculation uses the date and time as input information, and performs a mathematical operation through an encryption algorithm to obtain A transaction start signal is issued. The above is to ensure the uniqueness of the transaction start signal. In addition, regarding the timeliness of the transaction start signal, for example, while the control unit 12 obtains the transaction start signal, the control unit 12 starts a countdown timer. If within a predetermined time, the control unit 12 After the subsequent operation command corresponding to this transaction start signal is not received, after the countdown timer expires, the control unit 12 will no longer execute any subsequent operation command corresponding to this transaction start signal. In other words, the user must trigger the trigger unit Use a mobile communication device 3 to complete a transaction operation within a predetermined time of 10. In another embodiment of the present invention, in addition to calculating the transaction start signal based on the date and time calculation, the control unit 12 further includes generating the transaction start signal according to the hardware identification code of the ATM 1. By combining the transaction start signal with the hardware device of the ATM 1 or the trigger time of the ATM, the transaction start signal can be prevented from being copied and used in places other than the location where the ATM 1 is installed.

Please refer to Figure 1. The communication unit 14 is used to send the aforementioned transaction start signal. In detail, while the control unit 12 generates a transaction start signal, the control unit 12 synchronously instructs the communication unit 14 to send the transaction start signal to the verification server 5 through the communication connection.

Please refer to Figure 1. The display unit 16 is used to display the transaction start signal generated by the control unit 12. In detail, while the control unit 12 generates the transaction start signal, the control unit 12 synchronously controls the display unit 16 to present the transaction start signal for the user to perform subsequent operations. Please refer to FIG. 2. In an embodiment of the present invention, the transaction start signal displayed by the display unit 16 is a Quick Response Code (QR Code), which may include the date, time, and time when the trigger unit 10 was triggered. Information such as the hardware identification code of the ATM 1. In other embodiments, the displayed transaction start signal may also be a two-dimensional barcode such as PDF417 or Hanxin code. In practice, the display unit 16 is, for example, a plasma display (Plasma Display Panel), a liquid crystal display (Liquid-Crystal Display, LCD), a thin film transistor liquid crystal display (Thin Film Transistor Liquid Crystal Display, TFT-LCD), a light emitting diode Display (Light-Emitting Diode Display, LED Display) Organic Light-Emitting Diode (OLED) or other display devices with similar functions.

Please refer to FIG. 1 and FIG. 2 together, wherein FIG. 2 is a schematic diagram illustrating the operation of the system for performing transactions through the mobile communication device 3 according to an embodiment of the present invention. The mobile communication device 3 includes a scanning unit 32, an input unit 34, and an arithmetic unit 36. In practice, the mobile communication device 3 is a smart phone, tablet computer, notebook computer, or wearable smart device.

The scanning unit 32 is electrically connected to the arithmetic unit 36 and used to obtain a transaction start signal. In practice, the scanning unit 32 is a camera device installed on a smartphone or tablet computer, which is presented by photographing the display unit 16 of the ATM 1 The transaction activation signal is used to obtain an image of the transaction activation signal, and the image is sent to the arithmetic unit 36 for further analysis.

The input unit 34 is electrically connected to the arithmetic unit 36 and is used for input to generate transaction content. In practice, the input unit 34 is, for example, a touch screen of a smartphone or a tablet computer, or a keyboard external to the mobile communication device 3. The invention does not limit this. The transaction content is, for example, a financial transaction item such as deposit amount, withdrawal amount, transfer amount, or transfer account number.

The calculation unit 36 performs calculation according to the transaction content and the transaction start signal to generate verification information and sends the verification information through the mobile communication device 3. In practice, the calculation unit 36 is, for example, a microprocessor, a digital signal processor, a special application integrated circuit, and others Similar elements or a combination of the above elements. The generation method of the verification information is, for example, that the computing unit 36 runs an application (Application) provided by a trusted financial institution with an ATM 1 installed, and the application has a mobile communication device to access the user 3 permissions for the scanning unit 32. This application provides an interface for the user to set the transaction content through the input unit 34, and executes an encryption algorithm based on the transaction content and the transaction activation signal to generate the verification information. Moreover, before the user wants to execute the application program, the application program may further include performing identity verification on the user through a fingerprint recognition module or a face recognition module of a smartphone or tablet computer, or through a traditional digital password, Graphic passwords and other methods are used to verify the identity of the user, so as to restrict the operation of the application by non-accounts. Therefore, by replacing the traditional way of using the financial card to activate the ATM financial operation function through the mobile communication device 3 and the application program running on the mobile communication device 3, the system for executing transactions through the mobile communication device described in an embodiment of the present invention can be improved Security.

In the system for executing a transaction through a mobile communication device described in another embodiment of the present invention, the mobile communication device 3 further includes a positioning unit 38. The positioning unit 38 is electrically connected to the computing unit 36. The positioning unit 38 is used to obtain the first geographic location of the mobile communication device 3, and the computing unit 36 further includes generating verification information according to the first geographic location, the transaction content, and the transaction activation signal, and The verification information is sent to the verification server 5 through the mobile communication device 3. The application of this first geographic location is described later.

The verification server 5 communicates with the ATM 1 and the mobile communication device 3. In practice, the verification server 5 is, for example, a vertical server (Pedestal server), a rack server (Rack server), or a blade server (Blade server), The invention does not limit the type of hardware of the verification server 5. The verification server 5 is used to detect the signals sent by the ATM 1 and the mobile communication device 3 respectively. Specifically, the verification server 5 receives the transaction activation signal and the verification information respectively, and executes a judgment process for the transaction activation signal and the verification information. The determination procedure described in the verification information determines whether there is a part that matches the transaction activation signal, thereby determining that the transaction activation signal sent by the ATM 1 is indeed triggered by the user operating the mobile communication device 3 and sent out. The matching part includes information such as the date and time contained in the transaction start signal. Determine whether the program compares the date and time information in the transaction start signal sent by the ATM 1 with the date and time information contained in the verification signal to confirm the date and time when the user triggered the transaction operation. The judgment process executed by the verification server 5 may further include comparing the date and time information in the transaction start signal with the date and time when the verification server 5 receives the verification information within a reasonable time range, for example, triggered by the user The interval between the trigger unit 10 of the ATM 1 and the mobile communication device sending the verification signal within 2 minutes represents that the transaction operation is a reasonable transaction operation that can be continued. When the judgment procedure judges that it passes, the verification server 5 sends a continuation signal to the ATM 1. Otherwise, the verification server 5 sends an alarm signal to notify the personnel of the relevant units to take corresponding measures.

In another embodiment of the present invention, the transaction activation signal includes the hardware identification code of the ATM 1, and the user's mobile communication device 3 includes a positioning unit 38 to obtain the first geographic location of the mobile communication device and verify The information of this first geographic location is added to the signal. Therefore, the judgment procedure of the verification server 5 further includes searching the database according to the hardware identification code of the ATM 1 to obtain the second geographic location of the ATM, and the judgment procedure can compare whether the first geographic location and the second geographic location are in a reasonable Within the distance range (for example: 0~5 meters), when the above comparison conditions do not match, the verification server 5 sends an alarm signal to notify the relevant unit personnel to take corresponding measures. Through the above-mentioned method of verifying the operating locations of the ATM 1 and the mobile communication device 3, the security of financial transaction operations can be further improved.

In yet another embodiment of the present invention, the user may also preset a third geographic location and store it in the verification server 5. After the verification server 5 obtains the first geographic location, the determination process of the verification server 5 calculates the distance between the first geographic location and the third geographic location, and sends a list of tradable items to the mobile communication device 3 according to the distance. The list of tradable items includes a plurality of transaction items, and these transaction items differ according to the distance. For example, users who live in Xinyi District, Taipei City can set the third geographic location as Taipei City Government MRT Station in advance, and set their usual transaction items as "withdrawal limit of 5,000 yuan", "withdrawal "Maximum payment of 3000 yuan" and "Maximum withdrawal of 1,000 yuan". Therefore, if the distance between the first geographic location where the user operates the ATM 1 and the third geographic location preset by the user is within 500 meters, the verification server 5 provides the above three transaction items For users to choose; and if the verification server 5 measures that the distance between the two is between 500 and 1000 meters, two transaction items of "withdrawal upper limit of 3000 yuan" and "withdrawal upper limit of 1,000 yuan" are opened for user to choose ; If the measured distance between the two is more than 1000 meters, only the upper limit of the withdrawal amount is 1,000 yuan. Based on the above mechanism for determining the open authority of the transaction item by distance, the security of the user when performing the transaction through the mobile communication device 3 can be further improved.

As mentioned above, when the control unit 12 of the ATM 1 receives the renewable signal from the verification server 5, the control unit 12 instructs the transaction unit 18 to perform the transaction operation according to the renewable signal, for example, according to the transaction set by the user Content provides cash to users.

Please refer to FIG. 3, which is a flowchart of a method for executing a transaction through a mobile communication device described in an embodiment of the present invention. This method is applied to the aforementioned system for executing a transaction through a mobile communication device.

Please refer to step S1: generating a trigger signal; for example, the user presses the button displayed as "Cardless Transaction" on the ATM 1 to cause the trigger unit 10 to generate a trigger signal.

Please refer to step S2: sending a transaction start signal; for example, the control unit 12 of the ATM 1 generates a transaction start signal at least according to the trigger signal; the control unit 12 can also trigger the date and time when the trigger unit 10 was triggered and the hardware of the ATM 1 itself The identification code is integrated into the transaction start signal and the transaction start signal is sent through the communication unit 14 of the ATM 1.

Please refer to step S3: display the transaction start signal; specifically, this step is to present the transaction start signal generated by the control unit 12 in the form of a QR code or other two-dimensional barcode through the display unit 16 of the ATM 1. It must be particularly noted that the execution order of both step S2 and step S3 is not particularly limited.

Please continue to refer to step S4 of FIG. 3: scan the transaction start signal; for example, the user scans the transaction start signal displayed on the display unit 16 of the ATM 1 with the scanning unit 32 of the mobile communication device 3 (such as a camera element of a smart phone) ( Such as the QR code on the ATM screen).

Please refer to step S5: Enter the transaction content, for example, the user executes a trusted application issued by a financial institution through a smartphone, and the security mechanism provided by the application (such as fingerprint recognition, face recognition, digital password input or Graphic password input) After verifying your identity, enter the withdrawal amount as the transaction content in the operation interface provided by this application.

Please refer to step S6: generating a verification signal. For example, the computing unit 36 of the mobile communication device 3 generates and sends verification information according to the transaction content obtained from the input unit 34 and the transaction activation signal obtained from the scanning unit 32. In another embodiment, the aforementioned verification information further includes the first geographic location obtained through the positioning unit 38 of the mobile communication device 3.

Please refer to step S7: receiving the transaction start signal and the verification signal; specifically, the verification server 5 receives the transaction start signal and the communication connection between the ATM 1 and the mobile communication device 3 respectively Verification information.

Please refer to step S8: the judgment procedure is passed; in detail, when the verification server 5 receives the transaction start signal and the verification information in step S7, the judgment procedure is executed immediately. The basis for passing the judgment is that the verification information includes a part that matches the transaction start signal, for example, the date and time information in the verification signal and the date and time information in the transaction start signal are the same, or the first geographic information included in the verification signal Both the location and the second geographic location obtained by searching the hardware identification code of the ATM 1 included in the transaction activation signal are within an allowable error distance.

Please refer to step S9: Sending a renewable signal; in detail, when the judgment procedure passes, the verification server 5 sends the renewable signal to the ATM 1. In other embodiments, the renewable signal can also be sent to the mobile communication device 3 for the user to confirm whether to release, and after the user confirms the release, the verification server 5 sends the second renewable signal to the automatic ATM 1. The present invention does not limit the number of times that the renewable signal can be sent.

Please refer to step S11: perform transaction operation; in detail, after the ATM 1 receives the renewable signal, the control unit 12 instructs the transaction unit 18 to perform the corresponding transaction operation according to the renewable signal, for example, to perform the bill dispensing action and send The amount of withdrawal indicated in the transaction.

Please review step S9 and refer to step S10: send an alert message; in detail, if the foregoing judgment procedure fails, for example, the QR code scanned by the user does not match the QR code provided by the ATM, or mobile communication The location where the device 3 is located is not within the legal location preset by the user, or the distance between the location where the mobile communication device 3 is located and the location where the triggered ATM 1 is located is within a reasonable distance; when the judgment program judges If the above situation occurs, the verification server 5 sends an alarm signal to notify the relevant units to prevent possible improper financial transaction operations.

In summary, the system and method for executing a transaction through a mobile communication device disclosed in the present invention effectively avoid various inconveniences caused by the loss of financial cards by operating the mobile communication device to scan the transaction activation signal during the transaction process It also simplifies the traditional steps of operating ATMs with financial cards. In addition, the personal identification method of the mobile communication device itself can be used to increase the security and privacy in the transaction process. Furthermore, users do not need to use traditional financial cards and input passwords to perform common financial transaction operations such as withdrawals, deposits, or transfers at ATMs installed in banks or post offices. In practical applications, users simply trigger the ATM, then scan the bar code displayed on the screen of the ATM through the mobile communication device they own, and enter the transaction content. After the verification server at the bank or post office completes the authentication, Users can obtain cash, deposit cash, or complete transfers at the ATM. The overall process is simple and safe.

Although the present invention is disclosed as the foregoing embodiments, it is not intended to limit the present invention. Without departing from the spirit and scope of the present invention, all modifications and retouching are within the scope of patent protection of the present invention. For the protection scope defined by the present invention, please refer to the attached patent application scope.

1‧‧‧ATM 10‧‧‧Trigger unit 12‧‧‧Control unit 14‧‧‧Communication unit 16‧‧‧ Display unit 18‧‧‧Transaction unit 3‧‧‧Mobile communication device 32‧‧‧Scan unit 34 ‧‧‧ input unit 36‧‧‧ arithmetic unit 38‧‧‧ positioning unit 5‧‧‧ verification server S1~S11‧‧‧ steps

FIG. 1 is a system architecture diagram of a transaction executed by a mobile communication device according to an embodiment of the invention. FIG. 2 is a schematic diagram illustrating an operation of a system for performing transactions through a mobile communication device according to an embodiment of the invention. FIG. 3 is a flowchart of a method for executing a transaction through a mobile communication device according to an embodiment of the invention.

1‧‧‧ATM

10‧‧‧trigger unit

12‧‧‧Control unit

14‧‧‧Communication unit

16‧‧‧Display unit

18‧‧‧ Trading unit

3‧‧‧Mobile communication device

32‧‧‧ Scanning unit

34‧‧‧Input unit

36‧‧‧ arithmetic unit

38‧‧‧Positioning unit

5‧‧‧Verification server

Claims (9)

A system for executing transactions through a mobile communication device, including: an ATM, including a trigger unit, a control unit, a communication unit, a display unit and a transaction unit and the trigger unit, the communication unit, the display unit and the The transaction units are all electrically connected to the control unit. The trigger unit is used to generate a trigger signal when triggered. The control unit generates a transaction start signal according to a hardware identification code of the ATM and the trigger signal. The display The unit is used to display the transaction start signal, and the communication unit is used to send the transaction start signal; a mobile communication device includes a scanning unit, an input unit, and an arithmetic unit, and the scanning unit is electrically connected to the arithmetic unit and used to Obtain the transaction start signal; the input unit is electrically connected to the arithmetic unit and used for input to generate a transaction content, the arithmetic unit generates a verification message based on the transaction content and the transaction activation signal operation and sends it through the mobile communication device The verification information; and a verification server that communicates with the ATM and the mobile communication device, the verification server receives the transaction initiation signal and the verification information respectively to perform a judgment process, and includes the verification information When the part corresponding to the transaction activation signal is sent, the verification server sends a renewable signal to the ATM; wherein, the transaction unit of the ATM is used to perform a transaction operation according to the renewable signal. The system for executing a transaction through a mobile communication device as described in claim 1, wherein the transaction activation signal displayed by the display unit is a quick response matrix code. The system for executing a transaction through a mobile communication device as described in claim 1, wherein the control unit further includes generating the transaction start signal according to a date and a time when the trigger unit is triggered and the trigger signal. The system for executing a transaction through a mobile communication device as described in claim 1, wherein the mobile communication device further includes a positioning unit, the positioning unit is electrically connected to the computing unit, and the positioning unit is used to obtain a first A geographic location, and the computing unit further includes generating the verification information according to the geographic location, the transaction content, and the transaction activation signal; and the determination process of the verification server further includes searching a database based on the hardware identification code A second geographic location of the ATM is obtained, and the determination procedure further includes whether a distance between the first geographic location and the second geographic location is within a reasonable distance. The system for executing a transaction through a mobile communication device as described in claim 1, wherein the mobile communication device further includes a positioning unit, the positioning unit is electrically connected to the computing unit, and the positioning unit is used to obtain a first A geographic location, and the computing unit further includes generating the verification information according to the geographic location, the transaction content, and the transaction activation signal; and the determination procedure further includes calculating a distance between the first geographic location and a third geographic location, And send a list of tradable items to the mobile communication device according to the distance, wherein the list of tradable items includes a plurality of transaction items. The system for executing a transaction through a mobile communication device as described in claim 1, wherein the trigger unit is a near field communication sensing device. The system for executing a transaction through a mobile communication device as described in claim 1, wherein the trigger unit is a fingerprint identification device. The system for executing a transaction through a mobile communication device as described in claim 1, wherein the mobile communication device is a smartphone or a tablet computer. A method for executing a transaction through a mobile communication device, including: triggering a trigger unit of an ATM to generate a trigger signal; generating a transaction start signal with the ATM at least according to a hardware identification code of the ATM and the trigger signal Display the transaction start signal with a display unit of the ATM; send the transaction start signal with a communication unit of the ATM; scan the transaction start signal displayed by the display unit with a scanning unit of a mobile communication device; A transaction content is input by an input unit of the mobile communication device; the mobile communication device generates and sends verification information according to the transaction content and the transaction activation signal; a verification server receives the transaction activation signal and the verification information and Execute a judgment procedure, when the judgment procedure judges that the verification information includes a part that matches the transaction initiation signal, the verification server sends a renewable signal to the ATM; and the ATM based on the renewal Bank signals perform a trading operation.

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