TWI748415B - 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 present 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) all over the country meet the needs of ordinary people for financial services such as deposits, withdrawals or transfers outside of bank business hours, and especially increase the convenience of cash flow.

However, the traditional automatic teller machines purely use the form of cards and digital passwords as the basis for transaction authentication, which has many inconveniences. For example, the financial card is easy to lose due to its small size and is not easy to retrieve. Once lost, the user can only go to the bank counter in person and complete the lengthy replenishment procedures before using the ATM again with the newly obtained financial card; in addition, There are still some users who are accustomed 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.) making the password easy to try Guess sexually; therefore, once the user’s financial card is obtained by someone who is familiar with the user, a transaction system based on traditional ATMs, financial cards and passwords cannot effectively prevent this type of theft. In other words, there are many shortcomings in using only passwords and cards as authentication methods for transactions executed by ATMs.

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

According to an embodiment of the present invention, a system for executing transactions through a mobile communication device includes: an automated teller machine, a mobile communication device, and a verification server. The said automatic teller machine includes a trigger unit, a control unit, a communication unit, a display unit and a transaction unit. The trigger unit, the communication unit, the display unit and the transaction unit 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 the trigger signal. The display unit displays the transaction activation signal, and the displayed transaction activation 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 arithmetic unit and obtains a transaction activation signal. The input unit is electrically connected to the arithmetic unit and is used for input to generate transaction content. The arithmetic unit generates verification information based on the transaction content and the transaction activation signal and sends the verification information through the mobile communication device. Verify that the server is connected to the ATM and mobile communication device. The verification server receives the transaction activation signal and the verification information to execute the judgment process accordingly, and when the verification information includes a part that matches the transaction activation signal, the verification server sends a renewal signal to the ATM. The transaction unit of the automated teller machine executes transaction operations according to the renewable signal.

According to an embodiment of the present invention, a method for executing transactions through a mobile communication device includes: triggering a trigger unit of an automatic teller machine to generate a trigger signal; the automatic teller machine generates a transaction activation signal at least according to the trigger signal; and a display unit of the automatic teller machine displays the transaction Activation signal; the communication unit of the ATM sends a transaction activation signal; scans the transaction activation 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 activates according to the transaction content and the transaction The signal is generated and the verification information is sent; the verification server receives the transaction activation signal and the verification information and executes the judgment process. When the judgment process determines that the verification information includes a part that matches the transaction activation signal, the verification server sends a renewal signal to automatic ATMs; and ATMs perform transaction operations based on renewable signals.

With the above structure, the system and method for executing transactions through mobile communication devices disclosed in the present invention allows users to make withdrawals at ATMs set up by financial institutions such as banks or post offices without using traditional financial cards and entering passwords. Common financial transaction operations such as money, deposit or transfer. From the practical application, the user simply triggers the ATM, then scans the barcode displayed on the ATM screen through his mobile communication device, and enters the transaction content. After the verification server at the bank or post office completes the authentication, Users can obtain cash, deposit cash or complete transfer operations at the ATM. The overall process is simple and safe, and effectively avoids various inconveniences caused by the loss or theft of the financial card and the acquisition of the password.

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

The detailed features and advantages of the present invention will be described in detail in the following embodiments. The content is sufficient to enable anyone familiar with the relevant art to understand the technical content of the present invention and implement it accordingly, and in accordance with the content disclosed in this specification, the scope of patent application and the drawings Anyone who is familiar with relevant skills can easily understand the purpose and advantages of the present invention. The following examples further illustrate the viewpoints of the present invention in detail, but do not limit the scope of the present invention by any viewpoint.

Please refer to FIG. 1, which is a system architecture diagram for executing transactions through a mobile communication device according to an embodiment of the present invention. The system includes an automated teller machine 1, a mobile communication device 3, and a verification 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 a wired or wireless connection; wired communication connection methods such as telephone lines, universal serial bus (USB), twisted pair, coaxial cable or fiber optic cable, etc. For example, the wireless communication connection method is through Global System for Mobile Communications (GSM), Worldwide Interoperability for Microwave Access (WiMax), Code Division Multiple Access (Code Division Multiple Access). Access, CDMA), Near Field Communication (NFC), Bluetooth or Wi-Fi, etc. for communication connection. The invention does not limit the type of communication connection.

The automatic teller machine 1 includes a trigger unit 10, a control unit 12, a communication unit 14, a display unit 16, and a transaction unit 18. 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, and the trigger signal is used to replace the traditional automatic teller machine with "inserting the financial card into the card slot" as the action of activating the financial operation interface. In practice, the trigger unit 10 is usually realized by a physical button or a button block on the touch screen. In other embodiments of the present invention, the trigger unit 10 may also be an NFC sensor device with a reader/writer mode or a peer-to-peer mode (P2P mode), and the trigger unit 10 may be provided in the user's mobile communication device 3 NFC devices, chips or antennas that can run in Card emulation mode; in this way, 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 Actually touch the trigger unit 10 with a limb. In another embodiment, the trigger unit 10 is a fingerprint recognition 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 found in the database, the trigger unit 10 sends the trigger signal . The online database is composed of personal information pre-stored by the user when opening an account at the bank, and includes the user's fingerprint data. In yet another embodiment, the authentication mechanism of the trigger unit 10 itself can further enhance the security of the system for executing transactions through the mobile communication device of the present invention. In addition, it must be particularly noted that the aforementioned fingerprint recognition can also be replaced by biometric recognition technologies such as face, vein, iris, voiceprint, etc., which is 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 (Microprocessor), a digital signal processor (DSP), and an application-specific integrated circuit (Application-Specific Integrated Circuit) of a general personal computer. , ASIC), other similar components or a combination of the above components, the present invention does not limit the type of hardware of the control unit 12. The control unit 12 is used for generating a transaction initiation signal according to the trigger signal. In other words, when the trigger unit 10 is triggered by the user, the control unit 12 immediately generates a corresponding transaction activation signal. Based on transaction security considerations, the transaction initiation signal should be unique and timely. In practice, the control unit 12 calculates a transaction initiation signal based on the trigger signal, the date when the trigger signal is generated, and the current time. The calculation uses the aforementioned 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 initiation signal. In addition, regarding the timeliness of the transaction initiation signal, for example, when the control unit 12 obtains the transaction initiation signal, the control unit 12 starts a countdown timer. If within a predetermined period of time, the control unit 12 If no subsequent operation command corresponding to this transaction activation signal is received, after the countdown timer expires, the control unit 12 will no longer execute any subsequent operation commands corresponding to this transaction activation signal. In other words, the user must trigger the trigger unit The mobile communication device 3 is used to complete the transaction operation within a predetermined time period of 10. In another embodiment of the present invention, the control unit 12 not only derives the transaction initiation signal based on the aforementioned date and time calculation, but also includes generating the transaction initiation signal according to the hardware identification code of the ATM 1. By combining the transaction activation signal with the hardware device of the ATM 1 or the trigger time of the ATM, the transaction activation signal can be prevented from being copied and used outside the location where the ATM 1 is installed.

Please refer to Figure 1. The communication unit 14 is used to send the aforementioned transaction initiation signal. In detail, while the control unit 12 generates the transaction activation signal, the control unit 12 synchronously instructs the communication unit 14 to send the transaction activation 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 activation signal generated by the control unit 12. In detail, while the control unit 12 generates the transaction initiation signal, the control unit 12 simultaneously controls the display unit 16 to present the transaction initiation signal for the user to perform subsequent operations. Please refer to FIG. 2, in an embodiment of the present invention, the transaction activation 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 activation 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. FIG. 2 is a schematic diagram of the operation of the system for executing 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 activation signal. In practice, the scanning unit 32 is a camera device installed on a smartphone or a tablet computer, which captures what is displayed on 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 computing unit 36 for further analysis.

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

The arithmetic unit 36 performs operations to generate verification information based on the transaction content and the transaction activation signal, and sends the verification information through the mobile communication device 3. In practice, the arithmetic unit 36 is, for example, a microprocessor, a digital signal processor, a special application integrated circuit, and others. Similar elements or combinations of the above elements. The above-mentioned verification information generation method is, for example, that the computing unit 36 runs an application program (Application) provided by a trusted financial institution where the automated teller machine 1 is installed, and this application program has access to the user's mobile communication device 3 the authority of the scanning unit 32. This application program provides an interface for the user to set the transaction content through the input unit 34, and execute 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, the application can further include the fingerprint recognition module or the face recognition module of the smartphone or tablet to perform identity verification on the user, or through the traditional digital password, Graphic passwords and other methods are used to verify the user's identity, so as to restrict the operation of this application by users other than the account. Therefore, the mobile communication device 3 and the application program running on the mobile communication device 3 can replace the traditional method of using a financial card to activate the financial operation function of the ATM, thereby enhancing the system for executing transactions through the mobile communication device described in an embodiment of the present invention.的安全。 The security.

In the system for executing transactions 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 based on the first geographic location, transaction content, and transaction activation signal, and Send the verification information to the verification server 5 through the mobile communication device 3. The application method of this first geographic location is described as follows.

The verification server 5 is communicatively connected to the ATM 1 and the mobile communication device 3. In practice, the verification server 5 is, for example, a Pedestal server, Rack server or Blade server. The present 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 is to determine whether there is a part that matches the transaction activation signal in the verification information, thereby confirming that the transaction activation signal sent by the ATM 1 is indeed triggered and sent by the user operating the mobile communication device 3. The said matching part is, for example, information such as the date and time contained in the transaction activation signal. The judgment program compares whether the date and time information in the transaction activation signal sent by the ATM 1 and the date and time information contained in the verification signal are the same to confirm the date and time when the user triggers the transaction operation. The judging process run by the verification server 5 may further include comparing information such as the date and time in the transaction activation signal with whether the date and time the verification server 5 received the verification information is within a reasonable time range, for example, triggered by the user If the interval between the trigger unit 10 of the ATM 1 and the verification signal sent by the mobile communication device is within 2 minutes, it means that the transaction operation is a sustainable and reasonable transaction operation. When the judgment procedure is judged to be passed, the verification server 5 sends a renewable signal to the ATM 1. Otherwise, the verification server 5 sends an alarm signal to notify the personnel of the relevant unit 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 the positioning unit 38 to obtain the first geographic location of the mobile communication device and verify it The information of this first geographic location is added to the signal. Therefore, the judging 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 judging procedure can compare whether the first geographic location and the second geographic location are at a reasonable level. 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 personnel of the relevant unit to take corresponding measures. Through the above-mentioned method of verifying the operating locations of the automated teller machine 1 and the mobile communication device 3, the security of financial transaction operations can be further improved.

In another embodiment of the present invention, the user can 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 procedure 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 based on the distance. The list of tradable items includes a plurality of transaction items, and these transaction items are different according to the distance. For example: users living in Xinyi District of Taipei City can go to the bank to set the third geographic location as Taipei City Government MRT Station, and set their usual transaction items as "withdrawal limit of 5,000 yuan" and "withdrawal." "Up to RMB 3,000 for withdrawal" and "Up to RMB 1,000 for withdrawal". Therefore, if the distance between the first geographic location where the user is operating the ATM 1 this time and the third geographic location preset by the user are within 500 meters, the verification server 5 provides the above three transaction items For users to choose; if the verification server 5 measures the distance between the two to be between 500 and 1000 meters, the two transaction items "withdrawal limit of 3000 yuan" and "withdrawal limit of 1000 yuan" will be opened for users to choose ; If the distance between the two is more than 1000 meters, only the upper limit of the open withdrawal amount is 1000 yuan. Based on the above-mentioned mechanism of determining the open authority of transaction items by distance, the security when the user executes the transaction through the mobile communication device 3 can be further improved.

As mentioned above, when the control unit 12 of the automated teller machine 1 receives the continuity signal from the verification server 5, the control unit 12 instructs the transaction unit 18 to execute the transaction operation according to the continuity signal, for example, according to the transaction set by the user The content provides cash to users.

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

Please refer to step S1: generating a trigger signal; for example, the user presses a button displayed as "No Card Transaction" on the ATM 1 to cause the trigger unit 10 to generate a trigger signal.

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

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

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

Please refer to step S5: input transaction content, for example, the user executes a trusted application issued by a financial institution through a smart phone, and uses the security mechanism provided by this 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 arithmetic unit 36 of the mobile communication device 3 generates and sends verification information based on 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: Receive transaction activation signal and verification signal; specifically, the verification server 5 receives the transaction activation signal and the mobile communication device 3 through the communication connection with the ATM 1 and the communication connection with the mobile communication device 3 respectively. Verification information.

Please refer to step S8: the judgment process passed; in detail, when the verification server 5 receives the transaction activation signal and the verification information in step S7, the judgment process is executed immediately. The basis for the judgment is that the verification information includes the part that matches the transaction activation signal, for example, the date and time information in the verification signal is the same as the date and time information in the transaction activation signal, or the first geographic location 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: Send a renewable signal; in detail, when the judgment procedure is judged to be passed, the verification server 5 sends a renewable signal to the ATM 1. In other embodiments, the continuity signal can also be sent to the mobile communication device 3 for the user to confirm whether or not to release, and the verification server 5 sends the second continuity signal to the automatic after the user confirms the release. ATM 1. The present invention does not limit the number of transmissions of the continuous signal.

Please refer to step S11: execute transaction operation; in detail, when the ATM 1 receives the renewable signal, the control unit 12 instructs the transaction unit 18 to execute the corresponding transaction operation according to the renewable signal, for example, perform a cash-out action, send The withdrawal amount indicated by the transaction content.

Please review step S9 and also refer to step S10: send an alarm message; in detail, if the aforementioned 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 among the legal locations preset by the user, or is there a reasonable distance between the location where the mobile communication device 3 is located and the location of the triggered ATM 1; when the judgment program judges If the above situation occurs, the verification server 5 sends an alarm signal to notify relevant units to prevent improper financial transaction operations that may occur.

In summary, the system and method for executing transactions through a mobile communication device disclosed in the present invention effectively avoids various inconveniences caused by the loss of a financial card by operating the mobile communication device to scan the transaction activation signal during the transaction process It also simplifies the traditional steps of operating an automated teller machine with a financial card; in addition, the personal identity verification method of the mobile communication device itself can increase the security and privacy in the transaction process. Furthermore, users can perform common financial transaction operations such as withdrawals, deposits, or transfers at ATMs installed in banks or post offices without using traditional financial cards and entering passwords. From the practical application, the user simply triggers the ATM, then scans the barcode displayed on the ATM screen through his mobile communication device, and enters the transaction content. After the verification server at the bank or post office completes the authentication, Users can obtain cash, deposit cash or complete transfer operations at the ATM. The overall process is simple and safe.

Although the present invention is disclosed as above in the foregoing embodiments, it is not intended to limit the present invention. All changes and modifications made without departing from the spirit and scope of the present invention fall within the scope of the patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the attached patent scope.

1: ATM 10: Trigger unit 12: Control unit 14: Communication unit 16: display unit 18: Transaction unit 3: mobile communication device 32: Scanning unit 34: Input unit 36: arithmetic unit 38: positioning unit 5: Verify the server S1~S11: steps

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

1: ATM

10: Trigger unit

12: Control unit

14: Communication unit

16: display unit

18: Transaction unit

3: mobile communication device

32: Scanning unit

34: Input unit

36: arithmetic unit

38: positioning unit

5: Verify the server

Claims (9)

A system for executing transactions through a mobile communication device includes: an automatic teller machine, 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 electrically connected to the control unit, the trigger unit is used to generate a trigger signal when triggered, the control unit generates a transaction activation signal according to a hardware identification code of the ATM and the trigger signal, the display The unit is used to display the transaction initiation signal, and the communication unit is used to send the transaction initiation signal, wherein the transaction initiation signal includes a first time; a mobile communication device includes a scanning unit, an input unit and an arithmetic unit, the The scanning unit is electrically connected to the arithmetic unit and used to obtain the transaction activation signal; the input unit is electrically connected to the arithmetic unit and used for input to generate a transaction content, the arithmetic unit is based on a second time, the transaction content, and The transaction activation signal calculation generates a verification information and sends the verification information through the mobile communication device; and a verification server, which is communicatively connected to the ATM and the mobile communication device, and the verification server receives the transaction activation signal and the verification respectively According to the information, a judgment process is executed, and when the verification information includes the part that matches the transaction activation signal and the first time and the second time are within a preset range, the verification server sends a valid A renewal signal is sent to the ATM; wherein the transaction unit of the ATM is used to execute a transaction operation according to the renewable signal. The system for executing transactions 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. As described in claim 1, in the system for executing transactions through a mobile communication device, the control unit further includes generating the transaction activation signal according to a date and a time when the trigger unit is triggered and the trigger signal. The system for executing transactions through a mobile communication device as described in claim 1, wherein the mobile communication device further includes a positioning unit which is electrically connected to the computing unit, and the positioning unit is used to obtain one of the mobile communication devices. A geographic location, and the computing unit further includes generating the verification information based on the geographic location, the transaction content, and the transaction activation signal; and the determining process of the verification server further includes searching a database based on the hardware identification code to The second geographic location of the automated teller machine is obtained, and the judging procedure further includes whether the distance between the first geographic location and the second geographic location is within a reasonable distance. The system for executing transactions through a mobile communication device as described in claim 1, wherein the mobile communication device further includes a positioning unit which is electrically connected to the computing unit, and the positioning unit is used to obtain one of the mobile communication devices. A geographic location, and the arithmetic unit further includes generating the verification information based on the geographic location, the transaction content, and the transaction activation signal; and the determining procedure further includes calculating a distance between the first geographic location and a third geographic location, A list of tradable items is sent 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 transactions through a mobile communication device as described in claim 1, wherein the trigger unit is a near field communication sensor device. The system for executing transactions through a mobile communication device as described in claim 1, wherein the trigger unit is a fingerprint recognition device. The system for executing transactions through a mobile communication device as described in claim 1, wherein the mobile communication device is a smart phone or a tablet computer. A method for executing a transaction through a mobile communication device includes: triggering a trigger unit of an automatic teller machine to generate a trigger signal; and generating a transaction activation signal by the automatic teller machine at least according to a hardware identification code of the automatic teller machine and the trigger signal , Wherein the transaction activation signal includes a first time; a display unit of the ATM displays the transaction activation signal; a communication unit of the ATM sends the transaction activation signal; a scanning unit of a mobile communication device scans The transaction activation signal displayed by the display unit; inputting a transaction content with an input unit of the mobile communication device; using the mobile communication device to generate and send a verification message according to a second time, the transaction content and the transaction activation signal And send the verification information; use a verification server to receive the transaction activation signal and the verification information and execute a judgment process, when the judgment process determines that the verification information includes the part that matches the transaction activation signal and the first time and When the second time is within a preset range, the verification server sends a renewable signal to the ATM; and uses the ATM to execute a transaction operation according to the renewable signal.

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