Abstract:
Each service system with a variety of databases in marketing environment maintains and audits purchasing transaction data to look for ID theft and transmits suspicion events to security service system which is attached to marketing environment. Security service system maintains status data and identifies information including biometric identity, portable device identity, and message to defeat ID-theft attacking. Identifying events is transmitted to service systems for derived information to reflect operation. Services systems include Insures Service Systems, Bank Service Systems, Business Service Systems, and Portable Devices under Security Service Systems monitoring in marketing environment. And also a portable device with a local CPU, memory, I/O interface, wireless network and a host interface provides user for purchasing transaction with merchant. A portable device retains pertinent purchasing transaction data and establishes personal account in memory to aid person analyzes with the collected data and identify potential ID theft attacks in the marketing environment.

Description:
FIELD OF THE INVENTION 
       [0001]    The present invention relates generally to prevent and counterattack ID theft attack security service system in marketing environment and in particular to utilize a portable device for establishment automatic management of personal account regarding pertinent purchasing transaction with merchant. More particularly, the present invention relates to a method, system and program product for monitoring, detection, and defeat attacking from ID theft without victim knowledge during purchasing transaction. 
       BACKGROUND 
       [0002]    Today, companies need to take security very seriously because the expectations of their customers, and the marketplace in general, are on the increase. Companies that do not take it seriously do so at their own peril. Where large sums of money are concerned, it is advisable to trust no one. That is a statement that no business would ever want to hear from its customers. Millions of account records are lost or stolen each year because of the vulnerability of the security system and methods of protection of the personal information of the customer. Many customers become victims of ID theft each year. Incredible losses of money for each person from identity fraud per year significantly increase, and it is very difficult to resolve these identity fraud claims. There are horror stories of many identity fraud victims taking months, even years to resolve their cases and re-establish their reputations and credit ratings. 
         [0003]    Identity theft, a pernicious crime that harms consumers and our economy, occurs when individuals identifying information is used without authorization in an attempt to commit fraud or other crimes. Identity thieves utilize different ways to steal personal information. 
         [0000]    A). Identity thieves use illegal access through the Internet to data contained in a computer system by a person(s) external to the breached entity.
 
B). Identity thieves can use the theft of computers, computer equipment (including computer data storage media), or paper files to obtain identifiers information.
 
C). Identity thieves can use machines that allow sensitive personal information to be viewed by those who should not have access (for example, printing of Social Security Numbers on address labels, inadvertently making sensitive personal information accessible on Internet sits that can be viewed by the general public, or not properly disposing of files containing sensitive personal information).
 
D). Identity thieves can use financial account identifiers, such as credit card or bank account numbers, to commandeer individuals existing accounts to make unauthorized charges or withdrawals.
 
E). Identity thieves can use accepted identifiers like Social Security Numbers (“SSN&#39;s”) to open new financial accounts and incur charges credit in an individual&#39;s name, but without that victim knowledge.
 
F). Identity thieves can attack a customer&#39;s credit card to steal credit card identity in public places.
 
G). Identity thieves can use data storage media containing sensitive personal information lost in the process of transferring the media to another location.
 
         [0004]    This creating significant security vulnerability since the user&#39;s personal information appears on a loan application. Names, social security numbers, birth dates, passwords, or credit card numbers, etc., can be captured by the identity thieves who then choose victims who personal information is later abused by hostile parties. Attacks of this sort have happened in our lives. 
         [0005]    The victims are not limited by to any particular area. Identity theft is a worldwide issue because of failure of the system and methods used between the clients and the companies. 
         [0000]    An identity thief is also called an ID-theft. Their identity can be an insurant, merchant, banker, security officer and customer, etc. It is very hard to identify whom the ID-theft is where the attack will come from. ID-theft utilizes the significant breaches in the system and methods which generate ID-theft attacks as following detail:
 
1). ID-theft can pretend to be the customer and utilize stolen credit card identity to make a transaction with the merchant. For example, to purchase goods/services online or by telephone. The merchant then transmits receipt of customer to the bank. There is no system to provide special service to identify whether this receipt is valid before victim received statement regarding charges from the bank.
 
2). ID-theft can be the employee or merchant in Business Company and abuse the personal information including credit card identity of the customer to transmit receipt of victim to the bank without victim&#39;s knowledge. There is no system to provide special service to identify whether this receipt is valid before victim received statement regarding charges from the bank.
 
3). ID-theft can be employee to work in Insurance Company and abuse personal information with some dishonest employees in Business Company together. A receipt of victim is transmitted to the bank. There is no system to provide special service to identify whether this receipt is valid before victim received statement regarding charges from the bank.
 
4). ID-theft can be employee to work in Bank Company and change the statement of the victim. There is no system to provide special service to identify whether these statement charges are valid before victim received statement charges from the bank.
 
5). ID-theft can utilize software technology to access computers of bank service system to transfer money from target account to another account. There is no system to provide special service to identify whether this transfer information is valid before victim received transfer statement from the bank.
 
6). ID-theft can utilize technology and abuse personal information and password to withdraw money from ATM machine. There is no system to provide special service to identify whether this withdrawal information is valid before victim received withdrawal statement from the bank.
 
7). Because the credit card machines or ATM machines are public machines for any one to use, ID-theft stolen personal information and password, and then it is very easy successful to abuse personal information and password for ID-theft without victim knowledge. There is no personal device to provide special service that utilizes personal device instead of public machine to identify and defend against ID-theft attack.
 
8). The ID-theft attacking is easy successful, also because victim received statement charges from the bank too late. There is no personal device to provide special service that helps victim to identify and defend against ID-theft attack immediately.
 
9). Victim may forget receipt information that she/he purchased transaction with merchant such as she/he loses the receipt information from merchant. There is no personal device to provide special service that stores receipt information and manages the personal account of victim to identify and defend against ID-theft attack.
 
       SUMMARY OF THE INVENTION 
       [0006]    However, according to transmitting personal and credit card information with public device or machine such as credit card machine, ATM machine etc, since same public device or machine are provided to operator and cause any type of data by manipulating a controller—operator, there may be cases where data having false contents are transmitted by operator. 
         [0000]    Moreover, It is very easy to forget receipt, especially if purchasing a rich array of product person more than perhaps they are age. Thus, it is very difficult to refrain from any payment including some counterfeit receipt data after one month.
 
During Customers purchase pertinent transaction with merchant, there are no security service systems to prevent and defend against ID theft attack. It is indecisive factor for security service system in marketing environment. Thus, it is impossible for service system to monitor process, collate relative data and analyze data during purchasing transaction process.
 
         [0007]    Therefore, the present invention addresses or solves the above and/or other problems in the related system and art methods as following: 
         [0008]    Preferred according to the present invention service systems including service systems such as payer&#39;s bank service system, payee&#39;s bank service system, insures service system, business service system and security service system are provided to customer who obtains service from present invention. In this present invention, a portable device is provided to general relative present invention service systems and methods for enhancing defense ID-theft attack in marketing environment. The portable device is called an Automatic Management Personal Account device (AMPA device). AMPA device to be used by customer for purchasing goods/service; storing information which include credit card information, personal account information, receipt information; and calculating total charges fee and account balance etc.; and creating Electrical Text for payment or withdrawal with ATM machine to defense attack from ID theft using public device. Moreover, after person purchased goods/service, person will receive and respond receipt data immediately to prevent and defense potential ID theft attack. 
         [0009]    Furthermore, according to the present invention system and art method, security service systems has service system databases to store data which are needed to provide the desired security service system functionality and may include, for example, received purchasing transaction information, or maintained transaction information from other service systems or personal device. When a question is issued by someone such as a customer, banker, insurant or merchant about the problem which may be attacked by potential ID-theft during purchasing transaction and/or payment processing/or withdrawal processing, the stored data in security service system database must be evidenced and identified for pertinent purchasing transaction so as to cause the security service system to indicate the question point at issue and defend against ID-theft attack. And also security service system establishes biometric identity database to store data which are needed to identify authority person having using registered personal portable device to prevent ID theft attack before purchasing transaction. 
         [0000]    1. The present invention provides Defense ID-theft attack security service system in which it is determined whether user uses an AMPA device having registered, so that only a registered AMPA device can be utilized to purchase transaction in marketing environment. In accordance with the invention, users are allowed the authority to utilize the registered AMPA device through entrance into an arbitrary place, or the like so the AMPA device can be conveniently used. 
         [0010]    According to a first aspect of the present invention, there is provided insures service system in Defense ID-theft attack security service system to provide a specific responsible service to offer unique AMPA device to customer and issue authority user having the use registered AMPA device. And moreover, insures service system provides service station which is called register AMPA device service. So that customer can obtain specific services in registering AMPA device or solution problem about AMPA device at register AMPA device service. 
         [0011]    A determination AMPA identity is transmitted from insures service system to security service systems and it is stored in system database of security service system to help security service system future identifying whether the AMPA device, which is used by a customer, having been registered. The specific service is provided in response to an AMPA device having registered issued from an AMPA device user who has been determined as having the user authorized or from other service system in Defense ID-theft attack security service system. 
         [0012]    With such a configuration, a determination device as a part of security service system can determine whether the AMPA device having registered to be used for purchasing transaction in marketing environment. If the AMPA device has been registered, the security service system can provide the specific service in response to the AMPA device having been registered issued from an AMPA device user or from other service system. 
         [0000]    A person not having a registered AMPA device cannot be allowed to use for purchasing transaction in marketing environment. Only a registered AMPA device is allowed to use purchasing transaction. Thus, it is possible to restrict use of the service by unqualified AMPA device, thereby helping to reduce or prevent the occurrence of ID-theft attack.
 
2. In order to first aspect of the present invention, the second aspect of the present invention provides a security service system to determine whether user who has authority utilizes a registered AMPA device, so that only user having the use authority can utilize a registered AMPA device for pertinent purchasing transaction.
 
         [0013]    According to a second aspect of the present invention, there is provided a security service system to provide a specific service in response to the biometrics identity such as signature identity issued from a registered AMPA device of user having the use authority. A determination device as a part of security service system identifies to determine whether a registered AMPA device of user has the use authority based on the biometrics identity information which is stored in system database of security service system. The specific service is provided in response to biometrics identity issued from an AMPA device of user who has been determined as having the use authority to access memory of a registered AMPA device. 
         [0014]    According to first aspect of the present invention, insures service system provides special service such as register AMPA device service provides special service in responsive to register AMPA device and also transmitted biometrics identity of user to security service system 
         [0015]    With such identifying, a determination device as a part of security service system can determine whether the user has the use authority of registered AMPA device. If the user has the use authority, the security service system can provide specific service in response to biometrics identity issued from registered AMPA device of user who can use the registered AMPA device to purchasing transaction in marketing environment. 
         [0016]    Since a person having no the use authority cannot be allowed to obtain service in defense ID-theft attack security service system and also to access into personal account file which is stored in memory of AMPA device, only an authentic person is allowed to have the use authority. Thus, it is possible to restrict use of the service by ID-theft persons, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    3. In the present invention there is provided an embodiment device of registered an AMPA device wireless interface for user wireless communication with Defense ID-theft attack security service system, so that the receipt information for evidence to prove that customer had purchasing transaction with merchant is transmitted to a registered an AMPA device of only users having the use authority to verify and respond to receipt information issued from payee&#39;s bank service system. According to a third aspect of present invention, there is provided a payee&#39;s bank service system to provide a special service in respond to receipt information issued from business service system which provides purchasing goods/service to customer. And also payee&#39;s bank service system retransmits receipt information to an AMPA device of user. An authorized user verified receipt information which is received from the payee&#39;s bank service system to confirm whether the receipt information is valid. 
         [0017]    With such confirmation, an authorized user who used a registered an AMPA device can verify whether this receipt information is her/his purchasing goods/service receipt. If the receipt information is valid, the authorized user can utilize her/his registered AMPA device to respond receipt information which has been confirmed as confirmed receipt information to payee&#39;s bank service system and transmit confirmed receipt information to security service system. In other words, even if an ID-theft can successfully fool server who is employee in business service system to transmit forge receipt information to payee&#39;s bank service system, however, the ID-theft purchased transaction with merchant processing will be interrupted by confirmed receipt information from victim who is an authorized user. 
         [0018]    Since receipt information cannot be allowed to confirm by authorized user who did not purchase goods/service or receipt information is changed in order to receipt information from payee&#39;s bank service system, only receipt information is allowed to confirm by authorized user who purchased good/service based on the receipt information from the payee&#39;s bank service system. Thus, it is possible to restrict use of the service by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    4. Furthermore, according to a four aspect of the present invention, there is provided security service system to provide special service in reducing payee&#39;s bank controlling payment process. Insures service system and business service system received confirmed receipt information from the security service system separately. Only the confirmed receipt data from security service system is used to make payment processes between merchant and insurant. 
         [0019]    With payee&#39;s bank service system is not able to transmit confirmed receipt information to insures service system and business service system. Even if an ID-theft can successfully change confirmed receipt information in payee&#39;s bank service system, however, the ID-theft cannot change payment successfully process between merchant and insurant. 
         [0020]    Since changed confirmed receipt information in payee&#39;s bank service system did not effect valid payment process between insurant and merchant. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    5. Furthermore, according to a five aspect of the present invention, there is provided insures service system to provide special service in determination valid confirmed receipt information. A determination device as a part of insures service system compares confirmed receipt information which is received from payee&#39;s bank service system with confirmed receipt information which is received from security service system to determine whether the confirmed receipt information is valid. Only matched confirmed receipt data is used to make payment processing between insurant and payee&#39;s banker. 
         [0021]    With such a determination, a determination device as a part of insures service system can verify whether confirmed receipt information is valid. If the confirmed receipts information is valid, payment processing between the insurant and payee&#39;s bank will be successful. In other words, even if an ID-theft can utilizes technology successfully accessing payee&#39;s bank service system or security service system to change confirmed receipt data of AMPA device of user, however, the false confirmed receipt data will be detected by a determination device as a part of insures service system which ensures successful payment between insurant and payee&#39;s banker. 
         [0022]    Since false confirmed receipt information in security service system or in payee&#39;s bank service system cannot be allowed to be valid confirmed receipt information for payment receipt data between insurant and payee&#39;s banker. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    6. According to a six aspect of the present invention, there is provided a total current charges data acquisition device to acquire total amount data information according to confirmed receipt information which is stored in receipt file in memory of AMPA device of user. 
         [0023]    There is provided a total current charges relationship calculation device of an AMPA device to calculate the total amount of confirmed receipt data relationships between the first and second confirmed receipt data on the acquired total current charges data which is stored in Total Charges File in memory of an AMPA device. 
         [0024]    An AMPA device sets electrical files which stores total current charges data in Total Charges File of memory of an AMPA device to compare with received statement in addition to total current charges data from payee&#39;s bank service system. 
         [0025]    A determination device of an AMPA device is configured to determine whether the total current charges data from payee&#39;s bank service system is valid. 
         [0026]    With such a determination, determination device of an AMPA device can determine whether total current charges are matched. If the total current charges are matched, it is the successfully processing payment between the customer and payee&#39;s banker. In other words, even if an ID-theft can utilizes technology successfully accessing payee&#39;s bank service system to change statement of victim, however, the false statement will be detected by a determination device of AMPA device of user which ensures successful payment between an AMPA device of user and payee&#39;s banker. 
         [0027]    Since false statement in addition to total current charges from payee&#39;s bank service system cannot be allowed to be valid total current charges for payment receipt between an AMPA device of user and payee&#39;s banker. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    7. According to a seven aspect of the present invention, there is provided an account balance data acquisition device of an AMPA device acquires withdrawal data from ATM withdrawal file and payment data from electrical payment check file separately. The data of files are stored in memory of an AMPA device of user. 
         [0028]    There is provided an account balance relationship calculation device of an AMPA device calculates the account balance relationships between the previous balances data and payment &amp; withdrawal data on the acquired new balance data which are stored in personal bank account file in memory of an AMPA device. 
         [0029]    The AMPA device is configured to determine whether the new balance data information is matched from the payee&#39;s bank service system and payer&#39;s bank service system based on the new balance data information that is stored in personal bank account file in memory of an AMPA device. 
         [0030]    With such a determination, a determination device of an AMPA device can determine whether new balance is matched. If the new balance is matched, then, a new balance is confirmed to be store in personal bank account file of memory of AMPA device. It is that recording successful payment and withdrawal history between an AMPA device of user and banker including payee&#39;s bank and payer&#39;s bank. In other words, even if an ID-theft can utilizes technology successfully accessing payee&#39;s bank service system or payer&#39;s bank service system to change statement of victim, however, the false statement will be detected by a determination device of AMPA device of user which helps an AMPA device of user to audit personal account information at any time. 
         [0031]    Since no matched new balance from payee&#39;s bank service system or payer&#39;s bank service system cannot be allowed to be valid new balance to be stored in personal bank account file. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    8. In order to Electrical payment data and Electrical withdrawal data be stored in memory of an AMPA device and also be transmitted to service systems requiring, an AMPA device of user needs to create electrical payment check data and electrical withdrawal data with AMPA device. 
         [0032]    According to an eight aspect of the present invention, there is provided an electrical bank account file which is provided by payer&#39;s bank service system is stored in memory of an AMPA device to provide digital representation of image data of payer&#39;s bank account information for Electrical Payment Check (EPC) or Electrical Withdrawal (EWD) when the customer wants to create EPC or EWD with a registered AMPA device. The bank account file includes payer&#39;s bank information about payer&#39;s bank name; payer&#39;s bank website; payer&#39;s bank telephone and personal account number etc. 
         [0033]    And also there is provided an electrical credit card file which is provided by payee&#39;s bank service system is stored in memory of an AMPA device to provide digital representation of image data of payee&#39;s bank credit card information for purchasing goods/service or for Electrical Payment Check (EPC) when the customer wants to create EPC with a registered AMPA device. The credit card file includes payee&#39;s bank information about payee&#39;s bank name; payee&#39;s bank website; payee&#39;s bank telephone; credit card number and credit card expire time etc. 
         [0000]    9. In order to payment or withdrawal requiring, letter number and data number are needed to be digital represent image data to write in Electrical Text such as payment or withdrawal. 
         [0034]    According to a nine aspect of the present invention, in a preferred embodiment of invention, there is provided letter number information are stored in letter number file in memory of an AMPA device to provide a digital represent image data in letter number; and also there is provided data number information are stored in data number file to provide a digital represent image data in data number. 
         [0000]    10. According to a ten aspect of the present invention, there is provided an AMPA device of user utilizes software suppose to create Electrical Payment Check (EPC) which is a digital represent image Payment Check data. EPC as Electrical Text is transmitted to the payee&#39;s bank service system, security service system and payer&#39;s bank service system over wireless network. And payee&#39;s bank will obtain payment from payer&#39;s bank according to this digital represent image data of EPC. 
         [0035]    In a preferred embodiment of invention a method to create EPC by the steps comprising: digital credit card number, payee&#39;s bank information, payment date information, payer&#39;s bank information, digital personal bank account number, letter number, digital number of the EPC, user&#39;s signature. 
         [0000]    11. According to an eleven aspect of the present invention there is provided there is provided an AMPA device of user utilizes software suppose to create an Electrical Withdrawal (EWD) which is a digital represent image withdrawal data. And EWD as Electrical Text is transmitted to payer&#39;s bank service system and security service system. And payer&#39;s bank service system can send money to Changing ATM machine that is connected with an AMPA device of user according to this digital represent image data of EWD. 
         [0036]    In a preferred embodiment of invention a method to create EWD by the steps comprising: payer&#39;s bank information, digital personal account number, withdrawal data information, letter number, and digital number of the EWD, user&#39;s signature. 
         [0000]    12. In order to present invention aspect twelve, an aspect of present invention there is provided an AMPA device of user to transmit EPC information to payer&#39;s bank service system which provided personal account number and is used to payment by an AMPA device of user; to payee&#39;s bank service system which provided credit card number and is used to purchase transaction with merchant by an AMPA device of user; and to security service system. 
         [0037]    The security service system provides a special service in respond to EPC information issued from AMPA device of user to payer&#39;s bank service system. A determination device as a part of security service system identifies whether EPC is valid in order to process two steps. First step: A determination device as a part of security service system identifies whether AMPA device is registered; second step: A determination device as a part of security service system identifies whether user&#39;s signature is an authorized user who having authorized the use this registered AMPA device. 
         [0038]    With such some identified, a determination device as a part of security service system can identify whether EPC is valid. If all identifying information is valid, the security service system transmitted a valid EPC to payer&#39;s bank service system. Payment processing between an AMPA device of user and payee&#39;s banker will be successful. In other words, even if an ID-theft can create and transmit forge EPC to payee&#39;s bank service system and security service system without victim knowledge, however, the forge EPC will be detected by a determination device as a part of security service system to ensure successful payment between an AMPA device and payee&#39;s bank. 
         [0039]    Since EPC cannot be allowed to obtain payment from payer&#39;s bank service system by security service system that identify EPC information is invalid if one of two steps fail. Only all two steps identifying information are valid by security service system based on relative databases information. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0040]    Moreover, continuing this present invention there is provided a payer&#39;s bank service system to provide a special service in responds to valid EPC issued from an AMPA device of user, security service system and payee&#39;s bank service system separately. This special service provides two steps to identify whether EPC from payee&#39;s bank service system or an AMPA device of user is valid. A determination device as a part of payer&#39;s bank service system identifies whether EPC from security service system and from AMPA device of user are matched. If the EPC are matched to be valid, then, a determination device as a part of payer&#39;s bank service system continue identifies whether this valid EPC is match with EPC form payee&#39;s bank service system. Only matched EPC will be valid to deposit money in account of payee&#39;s bank. 
         [0041]    With such some identified, a determination devices of payer&#39;s bank service system can identify whether EPC is valid. If all identifying information is valid, payer&#39;s bank service system will transfer money from personal account to payee&#39;s bank account according to valid EPC. Transfer funds processing between payer&#39;s bank and payee&#39;s bank will be successful. In other words, even if an ID-theft can utilizes technology to access payee&#39;s bank service system or security service system to change EPC data under victim blinding, however, the changing EPC will be detected by a determination device as a part of payer&#39;s bank service system to ensure successful transfer funds between payer&#39;s bank service system and payee&#39;s bank service system. 
         [0042]    Since invalid EPC cannot be allowed to obtain payment processing by a determination device of payer&#39;s bank service system which identifies EPC information did not match based on the EPC information from security service system, payee&#39;s bank service system and an AMPA device of user. Only the all matched EPC is allowed to be valid by a determination device of payer&#39;s bank service system to process payment. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    13. According to a thirteen aspect of present invention there is provided an AMPA device of user to transmit Electrical WithDrawal (EWD) to payer&#39;s bank service system and to security service system separately. The security service system provides a special service in respond to EWD information issued from AMPA device of user to payer&#39;s bank service system. A determination device as part of security service system identifies whether EWD is valid in order to process two steps. First step: a determination device as part of security service system identifies whether AMPA device is registered; second step: a determination device as a part of security service system identifies whether user&#39;s signature is an authorized user who having authority the use this registered AMPA device. 
         [0043]    With such some identified, a determination device as part of security service system can identify whether EWD is valid. If all information is valid, the security service system transmitted a valid EWD to payer&#39;s bank service system. Withdrawal processing between an AMPA device of user and payer&#39;s bank will be successful. In other words, even if an ID-theft can create and transmit forge EWD to payer&#39;s bank service system and security service system without victim knowledge, however, the forge EWD will be detected by a determination device as a part of security service system to ensure successful withdrawal between an AMPA device and payer&#39;s bank. 
         [0044]    Since invalid EWD cannot be allowed to withdraw from Changing ATM machine by security service system which identifies EWD information is invalid if one of two steps is fail, only all two steps information is valid by security service system based on relative databases information to process withdrawal from Changing ATM machine. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0045]    Moreover, continuing this present invention there is provided a payer&#39;s bank service system to provide a special service in responds to valid EWD issued from security service system. This special service provides a determination device as a part of payer&#39;s bank service system to identify whether EWD from security service system is matched with EWD from an AMPA device of user. Only the matched EWD is valid to allow an AMPA device of user for withdrawing money from Changing ATM machine. Withdrawal processing between an AMPA device of user and payer&#39;s bank will be successful. In other words, even if an ID-theft can utilize technology to access payer&#39;s bank service system or security service system to change EWD data under victim blinding, however, the changing EWD will be detected by a determination device as a part of payer&#39;s bank service system to ensure successful withdrawal between an AMPA device of user and payer&#39;s bank. 
         [0046]    Since invalid EWD cannot be allowed to withdraw money from Changing ATM machine by determination device of payer&#39;s bank service system to identify EWD information from an AMPA device of user did not match based on the EWD information from security service system. Only the matched EPC is allowed an AMPA device of user to withdraw money from Changing ATM machine by determination device of payer&#39;s bank service system. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    14. In order to previous present invention mention, a fourteen aspect present invention there is provided an AMPA device to provide special private service device instead of the public service machine—such as credit card machine for customer to purchase transaction with merchant. 
         [0047]    With such special private service device, a person purchased transaction with merchant only using his/her AMPA device. This special private service provided a new unique identity to identify whether authorized user purchases goods/service. Even if ID-theft stolen personal information, credit card identity etc, however, ID-theft attack will be defeated without a registered AMPA device. 
         [0048]    Since a person could not be allowed to purchase transaction without an AMPA device or unauthorized using AMPA device even if this person had all personal information. Thus, it is possible to restrict use of the service by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    15. In order to previous present invention mention, a fifteen aspect present invention there is provided a Changing Gas Machine to provide special private service machine for customer to obtain gasoline. This Changing Gas Machine only provides a display and a host interface without credit card input. 
         [0049]    With such special private service machine, a person who obtains gasoline must use an embodiment device—host interface of his/her AMPA device to connect with host interface of Changing Gas Machine via a cable. This special private service provides a new unique identity to identify whether authorized user takes gasoline. Even if ID-theft stolen personal information, credit card identity etc, however, ID-theft attack will be defeated without a registered AMPA device. 
         [0050]    Since a person could not be allowed to takes gasoline without an AMPA device or unauthorized using AMPA device even if this person had all personal information. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
         [0000]    16. In order to previous present invention mention, a sixteen aspect present invention there is provided a Changing ATM machine to provide special private service machine for customer to withdrawal money. This Changing ATM machine only provides a money output and a host interface without keyboard input and credit card input. 
         [0051]    With such special private service machine, a person who withdraws money must use an embodiment device—host interface of his/her AMPA device to connect with host interface of Changing ATM machine via a cable. This special private service provides a new unique identity to identify whether authorized user withdraws money. Even if ID-theft stolen personal information, credit card identity and passwords etc, however, ID-theft attack will be defeated without a registered AMPA device. 
         [0052]    Since a person could not be allowed to withdraw money without an AMPA device or unauthorized using AMPA device even if this person had all personal information. Thus, it is possible to restrict abusing of the service system by ID-theft, thereby helping to reduce or prevent the occurrence of ID-theft attack. 
     
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         [0053]      FIG. 1 : System component: is depicts a diagram illustrating of security service system for defense ID-theft attack events in purchasing goods/services across an enterprise communication system, in accordance with an embodiment of the present invention. 
           [0054]      FIG. 2A : depicts a diagram illustrating of Business Services System Database. 
           [0055]      FIG. 2B : depicts a diagram illustrating of Payee&#39;s Bank Services System Database. 
           [0056]      FIG. 2C : depicts a diagram illustrating of Payer&#39;s Bank Services System Database. 
           [0057]      FIG. 2D : depicts a diagram illustrating of Insures Services System Database. 
           [0058]      FIG. 2E : depicts a diagram illustrating of Security Services System Database. 
           [0059]      FIG. 3A : depicts a diagram illustrating of an AMPA device model. 
           [0060]      FIG. 3B : brief AMPA module: is a functional block diagram of an AMPA device, in accordance with an exemplary embodiment of the present invention. 
           [0061]      FIG. 4A : depicts a block diagram illustrating Personal Account File. 
           [0062]      FIG. 4B : depicts a block diagram illustrating Identity File. 
           [0063]      FIG. 4C : depicts a block diagram illustrating Number File. 
           [0064]      FIG. 4D : depicts a block diagram illustrating Digital Number. 
           [0065]      FIG. 4E : depicts a block diagram illustrating Letter Number. 
           [0066]      FIG. 4F : depicts a block diagram illustrating Credit Report file. 
           [0067]      FIG. 4G : depicts a block diagram illustrating Message File. 
           [0068]      FIG. 4H : depicts a block diagram illustrating Message Display. 
           [0069]      FIG. 4I : depicts a block diagram illustrating Respond Message. 
           [0070]      FIG. 4J : depicts a block diagram illustrating Credit Card Identity File. 
           [0071]      FIG. 4K : depicts a block diagram illustrating Credit Card Identity Information 
           [0072]      FIG. 4L : depicts a block diagram illustrating Receipt File. 
           [0073]      FIG. 4M : depicts a block diagram illustrating Receipt Information. 
           [0074]      FIG. 4N : depicts a block diagram illustrating Total Charges File. 
           [0075]      FIG. 4O : depicts a block diagram illustrating Total Charges Information. 
           [0076]      FIG. 4P : depicts a block diagram illustrating Electrical Payment Check (EPC) File. 
           [0077]      FIG. 4Q : depicts a block diagram illustrating EPC Information. 
           [0078]      FIG. 4R : depicts a block diagram illustrating Confirmed EPC Information. 
           [0079]      FIG. 4S : depicts a block diagram illustrating Sent EPC Information. 
           [0080]      FIG. 4T : depicts a block diagram illustrating Creating Payee&#39;s Bank Information 
           [0081]      FIG. 4U : depicts a block diagram illustrating Creating Payment Date in EPC. 
           [0082]      FIG. 4V : depicts a block diagram illustrating Creating Letter Number Data in EPC. 
           [0083]      FIG. 4W : depicts a block diagram illustrating Creating Digital Number Data in EPC. 
           [0084]      FIG. 4X : depicts a block diagram illustrating Creating Payer&#39;s Bank Information in EPC. 
           [0085]      FIG. 4Y : depicts a block diagram illustrating Creating Payer&#39;s Signature in EPC. 
           [0086]      FIG. 4Z : depicts a block diagram illustrating Creating Payer Sign Signature in EPC. 
           [0087]      FIG. 5A : depicts a block diagram illustrating Creating Electrical Payment Check (EPC). 
           [0088]      FIG. 5B : depicts a block diagram illustrating ATM EWD File. 
           [0089]      FIG. 5C : depicts a block diagram illustrating ATM EWD Account 
           [0090]      FIG. 5D : depicts a block diagram illustrating Confirmed EWD Information. 
           [0091]      FIG. 5E : depicts a block diagram illustrating Sent EWD Information. 
           [0092]      FIG. 5F : depicts a block diagram illustrating Creating Payer&#39;s Bank Information in EWD. 
           [0093]      FIG. 5G : depicts a block diagram illustrating Creating Letter Number in EWD. 
           [0094]      FIG. 5H : depicts a block diagram illustrating Creating Digital Number in EWD. 
           [0095]      FIG. 5I : depicts a block diagram illustrating Creating Withdrawer&#39;s Signature in EWD. 
           [0096]      FIG. 5J : depicts a block diagram illustrating Creating Withdrawer Sign Signature in EWD. 
           [0097]      FIG. 5K : depicts a block diagram illustrating Creating Electrical WithDrawal (EWD). 
           [0098]      FIG. 6A : depicts a block diagram illustrating Personal Bank Account File. 
           [0099]      FIG. 6B : depicts a block diagram illustrating Bank Account Information. 
           [0100]      FIG. 6C : depicts a block diagram illustrating Bank Account Balance Information. 
           [0101]      FIG. 7A : depicts a diagram illustrating of Register AMPA device service. 
           [0102]      FIG. 7B : depicts a flowchart illustrating the process of Register an AMPA device service. 
           [0103]      FIG. 8A : depicts a flowchart illustrating the process of Security Service System Identifying an AMAP identity. 
           [0104]      FIG. 8B : depicts a flowchart illustrating the process of Security Service System Identifying an authorized user. 
           [0105]      FIG. 8C : depicts a flowchart illustrating the process of Security Service System Identifying a Message. 
           [0106]      FIG. 8D : depicts a flowchart illustrating the process of Security Service System dealing with Black List database. 
           [0107]      FIG. 9A : depicts a diagram illustrating of an AMPA device of user Accessing into Personal Account File. 
           [0108]      FIG. 9B : depicts a flowchart illustrating the process of An AMPA device of user Accessing into Personal Account File. 
           [0109]      FIG. 10A : depicts a flowchart illustrating the process of an AMPA device of user Application Credit Card Identity. 
           [0110]      FIG. 10B : depicts a flowchart illustrating the process of Security Service System Identifying application credit card Message in order to black list database. 
           [0111]      FIG. 10C : depicts a flowchart illustrating the process of Payee&#39;s Bank Service System Identifying Credit Card Identity. 
           [0112]      FIG. 10D : depicts a flowchart illustrating the process of an AMPA device of user Application Personal Account Identity. 
           [0113]      FIG. 10E : depicts a flowchart illustrating the process of Security Service System Identifying application Personal Account Message. 
           [0114]      FIG. 10F : depicts a flowchart illustrating the process of Payer&#39;s Bank Service System Refusing Application Personal Account. 
           [0115]      FIG. 11A : depicts a diagram illustrating of Purchasing Transaction Method. 
           [0116]      FIG. 11B : depicts a flowchart illustrating the process of Payee&#39;s Bank Service System Identifying Credit Card Identity in Purchasing Transaction with merchant at shop or Gas Station. 
           [0117]      FIG. 11C : depicts a flowchart illustrating the process of Bank Service System Identifying Credit Card Identity in Purchasing Transaction with merchant online or Telephone 
           [0118]      FIG. 12A : depicts a diagram illustrating process of an AMPA of user Respond Receipt issued from Payee&#39;s Bank Service System. 
           [0119]      FIG. 12B : depicts a flowchart illustrating the process of an AMPA device of user Respond Receipt issued from Payee&#39;s Bank Service System. 
           [0120]      FIG. 12C : depicts a flowchart illustrating the process of Security Service System dealing with Confirmed Receipt issued from an AMPA device. 
           [0121]      FIG. 12D : depicts a flowchart illustrating the process of Business Service System dealing with Denied/Cancelled Receipt issued from Payee&#39;s Bank Service System. 
           [0122]      FIG. 12E : depicts a flowchart illustrating the process of Security Service System dealing with No Respond Receipt information from an AMPA device of user. 
           [0123]      FIG. 12F : depicts a flowchart illustrating the process of Insure Service System Identifying Confirmed Receipt issued from Security Service System and Payee&#39;s Bank Service System. 
           [0124]      FIG. 12G : depicts a flowchart illustrating the process of Security Service System dealing with complain message appending Invalid Confirmed Receipt issued from Insure Service System. 
           [0125]      FIG. 13A : depicts a diagram illustrating of Merchant obtaining Payment. 
           [0126]      FIG. 13B : depicts a flowchart illustrating the process of Merchant obtaining Payment 
           [0127]      FIG. 13C : depicts a flowchart illustrating the process of Security Service System dealing with Merchant Complain Message. 
           [0128]      FIG. 14A : depicts a diagram illustrating of Insurant obtaining Payment. 
           [0129]      FIG. 14B : depicts a flowchart illustrating the process of Insurant obtaining Payment. 
           [0130]      FIG. 14C : depicts a flowchart illustrating the process of Security Service System dealing with Insurant Complain Message. 
           [0131]      FIG. 15A : depicts a diagram illustrating of Payee&#39;s Bank obtaining Payment. 
           [0132]      FIG. 15B : depicts a flowchart illustrating the process of Payee&#39;s Bank obtaining Payment. 
           [0133]      FIG. 15C : depicts a flowchart illustrating the process of Security Service System dealing with an AMPA device of user Complain Message. 
           [0134]      FIG. 16A : depicts a flowchart illustrating the process of an AMPA device of user transmitting Electrical Payment Check (EPC). 
           [0135]      FIG. 16B : depicts a flowchart illustrating the process of Security Service System identifying Electrical Payment Check (EPC). 
           [0136]      FIG. 16C : depicts a flowchart illustrating the process of Payer&#39;s Bank Service System identifying Electrical Payment Check (EPC). 
           [0137]      FIG. 17A : depicts a diagram illustrating of Credit Report. 
           [0138]      FIG. 17B : depicts a flowchart illustrating the process of Credit Report. 
           [0139]      FIG. 18A : depicts a diagram illustrating of Withdrawal Money with An AMPA device from ATM Machine. 
           [0140]      FIG. 18B : depicts a flowchart illustrating the process of an AMPA device of user transmitting Electrical WithDrawal (EWD) Information to Service System. 
           [0141]      FIG. 18C : depicts a flowchart illustrating the process of Security Service System Identifying Electrical WithDrawal (EWD). 
           [0142]      FIG. 18D : depicts a flowchart illustrating the process of Payer&#39;s Bank Service System Identifying Electrical WithDrawal (EWD). 
           [0143]      FIG. 18E : depicts a flowchart illustrating the process of an AMPA device of user responds receipt of withdrawal process. 
           [0144]      FIG. 18F : depicts a flowchart illustrating the process of security service system deal with confirmed receipt of WithDrawal process. 
           [0145]      FIG. 18G : depicts a flowchart illustrating the process of payer&#39;s bank service system dealing with denied receipt process. 
           [0146]      FIG. 18H : depicts a flowchart illustrating the process of Security Service System dealing with no respond process. 
       
    
    
     DETAILED DESCRIPTION OF THE INVENTION 
       [0147]      FIG. 1 : shows a present invention defense ID-theft attack security service system diagram of an exemplary service system architecture generally at  10  that is capable of implementing various features described below: Wireless Local Area Networks (WLANs) offer a quick and effective extension of a wired network or standard local area network (LAN).  FIG. 1  depicts a typical LAN  10  including both wired and wireless components. The wired and wireless component depicted in  FIG. 1  includes a variety of connection service systems: Insures service system  12  with network accessible data storage  11  components; Payee&#39;s Bank service system  15  with network accessible data storage  14  component; Payer&#39;s Bank service system  17  with network accessible data storage  16  component; Security service system  28  with networks accessible data storage  27  components. Business service system  20  with network accessible data storage  19  component; A Service system communicates with other service system over wired network (e.g., Ethernet  13 ). By simply installing access points  26  to the wired network (e.g., Ethernet  13 ), for a portable device  23  or  25  is called AMPA device with WLAN cards (not shown in diagram) can connect with wired network at broadband speeds to communicate with service systems such as payee&#39;s bank service system, payer&#39;s bank service system and security service system. A plurality of service is provided to portable device—AMPA device ( 23  or  25 ) which can be incorporated in the architecture: a customer purchases goods/service can use a portable device ( 23  or  25 ), and businesses service system  20  provides service system to merchant (no illustration) who offers goods/service. 
         [0148]    The portable device (e.g. AMPA device  23  or  25 ) communication with businesses service system  20  has two different ways: One way is that a host interface of portable device (e.g., AMPA device  23 ) to connect with host interface of computer or machine in businesses service system via cable for wired communication. For example at diagram  18  illustration that business service system  20  communication with AMPA device  23  via cable  22  between host interface  21  of computer of business service system  20  and host interface  24  of an AMPA device  23 . So that an AMPA device of user transmits credit card information to business service system  20  via host interface  24 , cable  22  and host interface  21 . 
         [0149]    Another way is that merchant offers goods/service over Internet or by telephone, and AMPA device of user utilizes computer online or by telephone to communication with business service system. For example shown in diagram  29  illustrations that an AMPA device  25  of user utilizes computer  30  or telephone  31  communications with businesses service system  20  over Internet  30  or by telephone  31 . 
         [0150]    Each service system includes one and more resources. Exemplary resources can include, without limitation, scanners, tape drives, laser pointers etc. Such databases of each service system can be operated by and/or associated with service system for which authentication is desired. 
         [0151]      FIG. 2A : A plurality of database systems of the businesses service system  40  is provided to store purchasing transaction information which an AMPA device of user purchases goods/service with merchant. And in order to store purchasing transaction information, merchant obtains payment. 
         [0152]    Business service system  40  provides computer with system database to merchant. System databases include receipt database  41  that merchant maintains receipt information of an AMPA device of user and payment database  42  that merchants obtain payment information. 
         [0153]      FIG. 2B : A plurality of database systems of payee&#39;s bank service system is provided to establish personal credit card information and store purchasing goods/service history for obtaining payment or making payment. System database of payee&#39;s bank service system  45  include: 1) Personal information of customer which includes personal Social Security Number (SSN), Driver&#39;s License, Birthday etc are stored in system database  46  to identify a customer who uses an AMPA device; 2) Credit card identity information including black list are stored in system database  47  to ensure an AMPA device of user has unique credit card identity and also release credit card identity according to black list; 3) Credit card identity domain are stored in system database  48  to ensure that each payee&#39;s banks service system  45  has own unique credit card identity domain to provide unique credit card identity for an AMPA device of user; 4) AMPA identity information of an AMPA device of user including IP address of AMPA device are stored in system database  49  so that payee&#39;s bank service system  45  communicate with AMAP device over wireless network communication; 5) Total current charges data of an AMPA device of user are stored in system databases  50  to provide payment information to an AMPA device of user each month; 6) Payment data including received payment and made payment data are stored in system database  51  to evaluate credit according to payment information of an AMPA device of user and assures payment; 7) Receipt information are stored in system database  52  to calculate total current charges; 8) Credit report information is stored in system database  53  to evaluate customer&#39;s credit. 
         [0154]      FIG. 2C : A plurality of database systems of Payer&#39;s bank service system  60  is provided to establish personal account in payer&#39;s bank and also records customer who uses an AMPA device (no illustration) payment and withdrawal history. Payer&#39;s bank service system  60  responsively transfers funds from account of payer to payee&#39;s bank in order to payment check and withdraws money from account of withdrawer using Changing ATM machine (no illustration) to withdrawer who uses an AMPA device (no illustration). System database of Payer&#39;s bank service system  60  include: 1) Personal information of customer includes personal Social Security Number (SSN), Driver&#39;s License, Birthday etc are stored in system database  61  to identify a customer; 2) Personal account information of an AMPA device of user including black list are stored in system database  62  to ensure that an AMPA device of user (no illustration) has unique account identity and release account identity according to black list; 3) Payment or withdrawal data are stored in system database  63  to assure payment to payee&#39;s bank or withdrawal service for an AMPA device of user. 
         [0155]      FIG. 2D : A plurality of database systems of insures service system  70  is provided to maintain unique AMPA identity for an AMPA device of user (no illustration) and assure payment to merchant (no illustration) in order to data in system database. System database of payer&#39;s bank service system  70  include: 1) personal information of customer includes personal Social Security Number (SSN), Driver&#39;s License, Birthday etc are stored in system database  71  to identify a customer; 2) AMPA Identity including black list are stored in system database  72  to ensure unique AMPA identity for an AMAP device of user and release AMPA identity according to black list; 3) AMPA identity domain are stored in system database  73  to ensure insures service system has unique AMAP identity domain; 4) Received receipt information are stored in system database  74  to provide payment information; 5) Total service charges are stored in system database  75  to calculate service fee for each customer who used AMPA device to purchase goods/service; 6) Payment data including received payment and made payment are stored in system database  76  to retain payment information history. 
         [0156]      FIG. 2E : A plurality of database systems of Security service system  80  is provided to ensure an authority user having the use a registered AMPA device during purchasing goods/service in defense ID-theft attack security service system and to assure transmitting data with identification information to third service system in order to store data in system database. System database of security service system  80  include: 1) Signature identity information are stored in system database  81  to identify biometric identity such as signature for each customer who has authority the use AMPA device. 2) Personal information including personal SSN, Driver&#39;s license, Birthday etc is stored in system database  82  to identify an AMPA device of user identity. 3) Received receipt information are stored in system database  83  to identify receipt from authority user having the use registered AMPA device; 4) Messages which includes complain message from third service system are stored in system database  84  to solution problem; 5) Credit report data are stored in system database  85  to reevaluate credit report information for AMPA device of users; 6) AMPA identity are stored in system database  86  to identify whether a registered AMAP device is used by an authored user; 7) Black list are stored in black list database  87  to ensure that an AMPA device of user in black list could not obtain service in defense ID-theft attack security service system. 
         [0157]      FIG. 3A : present invention in  FIG. 3A  diagram illustration an AMPA device model in the frond of face  90  and the rights sit of face  100 . In the frond of face  90  depicts a diagram illustrating of AMPA device function component. The display is preferably a digital number type display having a touch sensitive surface  91 . An embodiment of device said a stylus pen  93  is also shown in the frond of face  90  of an AMPA device and the stylus pen  93  is located in a pen slot  92  when not in use. In a preferred embodiment, in the frond of face  90  of an AMPA device shown a limit number of buttons for performing various user functions comprising: “Left” key  94  to move text left way; “Right” key  98  to move text right way; “Up” key  99  to move text up way; “Down” key  96  to move text down way; And the “Enter” key  95  to “add” an item which is selected by a user to a correspond file. In the frond of face  90  of an AMPA device shows that a commercial transmission “on/off” butter  97 . In the preferred embodiment illustrated the right sit of face  100  of an AMPA device. The rights sit of face  100  of an AMPA device shows that the wireless network interface  101  might communicate over a wireless wide area network and/or a local area network. An embodiment of device of host interface  102  of an AMPA device communicates with another host interface of computer or machine in businesses service system via cable (no illustration). And an adapter  103  is for charging electrical. 
         [0158]      FIG. 3B : in this present invention there is provided a portable device which is called an Automatic Management Personal Account (AMPA) device to allow purchasing goods/service for customer who uses AMPA device and to maintain purchasing transaction data in memory of AMPA device defense ID theft attack. An exemplary system for implementing the present invention includes a general purpose AMPA device  110  in the Defense ID-theft attack security service system. 
         [0159]    The basic subcomponent system of an AMPA device shows in  FIG. 3B . As shown, the system includes a CPU  114  controlling an AMPA device processes. Memory system  115  may include volatile random access memory (RAM) and nonvolatile ROM. Memory management control system may store electrical files including personal account file (no illustration). As an alternative searching mechanism, the customer could search history of personal account information, credit card identity, and messages etc by a hierarchical subject matter categorization. Under this approach, the information could be organized in logical groups and subgroups. For example, if an AMPA device of user wants to search credit card identity information, she/he could enter personal account file, then, scroll through this list and click Credit Card File to provide credit card identity information that are available. A host interface  118  employing preferred alternative embodiment of wherein an AMPA device  110 . An AMPA device of user uses the system components during purchasing transaction. For example, An AMPA device of user provides credit card identity information having encoded AMAP identities which are stored in memory system  115  to business service system via host interface with cable. To use an AMPA device, An AMPA device of user must access to an entrance processes. An AMPA device of user signs signature identity with stylus on touch screen. Touch sensitive input  113  captures digital represent image data of signature identity into CPU  114 . Digital represent image data of signature identity, which is processed under CPU  114  controlling via wireless network interface  119 , is transmitted to security service system that scans signature identity database in system database to confirm that a corresponding signature data of an AMPA device of user who is authority having the use a registered AMPA device. An AMPA device of user will receive approval message via wireless network interface  119  and enter personal account file in memory system  115 . A battery overcharge  111  protect circuit is also included shown  110  in  FIG. 3B . a real time clock  117  provides real time embodding in each message which is received or sent by AMPA device  110 . AMPA device  110  communicates with a Central Personal Unit (CPU)  114  through wireless network interface  119  with a wireless radio (no illustration). The wireless radio might communicate over wireless widens area network and or a local area network. Symbol SPECTRUM24™ PCMCIA type II card communicating over a local area network employing a frequency-hopping communication system conforming to the IEEE 802.11 standard. The standard is available from IEEE Standards Department, 445 Hoes Lane, P.O. Box 1331, Piscataway, N.J. 08855-1331. The standard is incorporated herein by reference and shall not be further discussed. 
         [0160]    Array keys input  112  which connects CPU  114  controls text moving via CPU  114  controlling. 
         [0161]    Touch sensitive input  113  which connects CPU  114  capture input digital data into CPU  114  or display electrical text from CPU  114 . 
         [0162]    Power switch  116  which connects CPU  114  turns on/off power via CPU  114  controlling. 
         [0163]      FIG. 4A : present invention there is provided an AMPA device to store Personal Account File which person can maintain, calculate and search information which includes receipt information, credit card information, personal bank account information etc. And an AMPA device of user can verify whether received information is valid in order to store digital data in personal account information in memory of an AMPA device. And an AMPA device utilizes software program to create Electrical Payment Check (EPC) for payment to payee&#39;s bank and to create Electrical WithDrawal (EWD) for withdrawal money from ATM machine such as Changing ATM machine. Personal Account File  120  comprising: Identify File  121 : storing AMPA identity to illustrate that is a registered AMPA device; storing source address including AMPA IP address information and also destination IP address of service systems for communication with wireless network. Each packet is transmitted from AMPA device to destination appending to AMPA identity, source IP address and destination IP address. 
         [0164]    Number File  122 : storing Digital Number  123  to create digital represent image data of digital data embedding in Electrical Text such as Electrical Payment Check or Electrical WithDrawal; And storing Letter Number  124  to create digital represent image data of letter data embedding in Electrical Text such as Electrical Payment Check or Electrical WithDrawal. 
         [0165]    Credit Report File  125 : storing credit report information from security service system to elevate credit degree of an AMPA device of user depend on an AMPA device action behavior during purchasing transaction session. Message File  126 : storing messages from service systems. An AMPA device of user receives message from service systems over wireless network communication. And an AMPA device of user can respond message issued to service systems with an AMPA device or saves messages into a corresponding file to be personal account information in memory of an AMPA device of user so that an AMPA device of user is very convenient to search purchasing transaction history. Credit Card Identity File  127 : storing credit card identity information  128  from payee&#39;s bank service system. and an AMPA device of user can choose credit card identity information to purchase transaction with merchant and creates credit card information embedding in Electrical Text such as Electrical Payment Check or Electrical WithDrawal. Receipt File  129 : storing receipt information  130  from payee&#39;s bank service system. And an AMPA device of user can responding receipt message with respond type such as confirmed receipt, denied receipt and cancelled receipt to service systems in order to purchasing transaction events and saves respond receipt information in Receipt File  129 . Total Charges Files  131 : storing total current charges information  132  that is calculated by software program in an AMPA device in order to receipt information  130  to identify whether statement from payee&#39;s bank is valid. Electrical Payment Check File  133  comprising: storing Electrical Payment Check (EPC) credit card identity Number N information  134  to search confirmed EPC and sent EPC history; and also entering Creating Electrical Payment Check (EPC)  135  step to create Electrical Payment Check (EPC). ATM Electrical WithDrawal (EWD) File  136  comprising: ATM EWD Account Number N information  137  to search confirmed EWD And sent EWD history; and also enters Creating Electrical WithDrawal (EWD)  138  step to create Electrical WithDrawal. Personal Bank Account File  139  comprises: Bank Account Information  140  and Bank Account Balance  141 . Bank Account Information  140 : storing bank account information from payer&#39;s bank service system. An AMPA device of user can choose personal account information to create bank account information embedding in Electrical Text such as Electrical Payment Check or Electrical WithDrawal. Bank account balance  141 : storing bank account balance information which is calculated by software program of an AMPA device in order to store data in EPC Credit Card Identity Number N information  134  and ATM EWD Account Number N information  137  to identify whether the statement from bank is valid. 
         [0166]      FIG. 4B : continuing illustration reference present invention “Personal Account File  120  in FIG.  4 A”. An AMPA device of user touches “Identity File” key  121  in  FIG. 4A  to enter Identity File  145  diagram in  FIG. 4B . In this present invention  FIG. 4B  diagram illustration. Identity File  145  comprising: AMPA identity, IP address of AMPA device, IP address of security service system, and IP address of bank service systems include payer&#39;s bank service system and payee&#39;s bank service system  146 . And “Back” key  147 . In  146  diagrams, AMPA Identity and IP address of AMPA devices are provided by insures service system to an AMPA device of user. IP address of security service system is provided by security service system to an AMPA device of user. IP address of payee&#39;s bank service system is provided by payee&#39;s bank service system which provides credit card identity information to an AMPA device of user. IP address of payer&#39;s bank service system is provided by payer&#39;s bank service system which provides bank account information to an AMPA device of user. Stored data in identity file is nonvolatile in memory and the user could not change them. An AMPA device of user transmits packets appending AMPA identity and AMPA IP address and also corresponding to IP address of destination service system. An AMPA device of user touches “Back” key  147  in  FIG. 4B  to back “Personal Account File  120 ” in  FIG. 4A . 
         [0167]      FIG. 4C : continuing reference present invention “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Number File” key  122  in  FIG. 4A  to enter Number File  150  diagram in  FIG. 4C . In this present invention  FIG. 4C  diagram illustration. Number File  150  in  FIG. 4C  comprises: “Digital Number” key  151 , “Letter Number” key  152  and “Back” key  153 . An AMPA device of user touches “Back” key  153  in  FIG. 4C  to back “Personal Account File  120 ” in  FIG. 4A . “Digital Number” key  151  is provided to an AMPA device to enter digital represent image data of digital number data information. For example: An AMPA device of user touches “Digital Number” key  151  to display digital represent image data of digital number information diagram  155  in  FIG. 4D . “Letter Number” key  152  is provided to an AMPA device to enter digital represent image data of letter number data information. For example: An AMPA device of user touches “Letter Number” key  152  to display digital represent image data of letter number information diagram  160  in  FIG. 4E . 
         [0168]      FIG. 4D : continuing reference present invention “Number File”  150  in  FIG. 4C . An AMPA device of user touches “Digital Number” key  151  in  FIG. 4C  to enter digital represent image data of digital number information  155  in  FIG. 4D . In this present invention  FIG. 4D  diagram illustration. Digital Number  155  comprising: digital number from “0 to 9” key and some “sign” key. And “Enter” key  156 , “Back” key  157  and “Cancel” key  158 . Digital Number creates digital represent image data such as payment date or digital data of payment amount data embedding in Electrical Text such as Electrical Payment Check (EPC) or digital data of withdrawal amount data in Electrical WithDrawal (EWD). For example1: creating digital represent image data of digit date in digital number such as 12/02/07 in Electrical Text: An AMPA device of user touches “Digital Number” key  155  in  FIG. 4D  to choose key: “1, 2,/, 0, 2,/, 0, 7” then, touching “Enter” key  156  with stylus on touch screen of an AMPA device to embed digital represent image data of digital number “12/02/07” in Electrical Text. For example 2: creating payment amount digital represent image data of digital number $100.00 in EPC: An AMPA device of user touches “Digital Number” key “$, 1, 0, 0,” in  155   FIG. 4D  to create digital represent image data of digital number $100.00, then touch “Enter” key  156  with stylus on touch screen of an AMPA device to embed digital represent image data of digital number $100.00 in Electrical Text such as Electrical Payment Check (EPC). An AMPA device of user touches “Enter” key  156  to embed digital data in Electrical Text. An AMPA device of user touches “Cancel” key  158  to delete digital data which an AMPA device of user chose before. An AMPA device of user touches “Back” key  157  to back “Number File  150 ” in  FIG. 4C . An AMPA device of user touches “sign” and “digital data” key in  155  to calculate data and display will show result of data on touch screen. 
         [0169]      FIG. 4E : continuing reference present invention “Number File”  150  in  FIG. 4C . An AMPA device of user touches “Letter Number” key  152  in  FIG. 4C  to enter digital represent image data of letter number information  160  in  FIG. 4E . In this present invention  FIG. 4E  diagram illustration. “Letter Number” key  160  in  FIG. 4E  comprising: digital represent image data of letter number from “Zero to Nineteen and Twenty, Thirty, Forty, Fifty, Sixty, Seventy, Eighty, Ninety” key and also unit include “Billion, Million, Thousand, Hundred, Cents” keys  161  and “Enter” key  162 , “Back” key  163 , and “Cancel” key  164 . Letter Number creates digital represent image data of letter number data in Electrical Text such as payment amount data of letter number data embedding in Electrical Payment Check (EPC) or withdrawal data of letter number data embedding in Electrical WithDrawal (EWD). For example3: creating “One Hundred” digital represent image data of letter number data for payment amount in an EPC. An AMPA device of user touches “one” key in  160  and “Hundred” key in  161 , then touch “Enter” key  162  with stylus pen on touch screen to embed “One Hundred” digital represent image data of letter number data in Electrical Text such as EPC. An AMPA device of user touches “Back” key  163  in  FIG. 4E  to back “Number File”  150  in  FIG. 4C . AMPA devices of user touches “Cancel” key  164  to delete digital represent image data of letter number data in Electrical Text which user chose before. 
         [0170]      FIG. 4F : continuing reference present invention “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Credit Report File”  125  key in  FIG. 4A  to enter Credit Report File  170  diagram in  FIG. 4F . In this present invention  FIG. 4F  diagram illustration. Credit Report File  170  in  FIG. 4F  comprising: credit report information  171 , security service information  172  and “Next” key  173 , “Back” key  174  and “Delete” key  175 . Credit Reports Information  171  is provided by security service system including: Credit card identity number N; Payee&#39;s Bank name is that provides credit card identity number N to an AMPA device of user; And Payee&#39;s Bank telephone number is that the Payee&#39;s bank can communicate with an AMPA device of user by telephone; Payee&#39;s Bank website provides that an AMPA device of user can search more Payee&#39;s bank information online; Credit Report Information is issued from security service system with credit report time and date; Security service information  172  including: Security Service Name is that elevates credit degree and transmits credit report to an AMPA device of user; Security Service Telephone number is that an AMPA device of user can communicate with security service by telephone; Security service website provides that an AMPA device of user can search more security service information online. An AMPA device of user touches “Next” key  173  to search next Credit Report information under next credit card identity number. An AMPA device of user touches “Back” key  174  in  FIG. 4F  to back “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Delete” key  175  to delete credit report information  171  or  172  from memory of an AMPA device of user. 
         [0171]      FIG. 4G : continuing reference present invention “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Message File” key  126  in  FIG. 4A  to enter “Message File”  177  diagram in  FIG. 4G . In this present invention  FIG. 4G  diagram illustration. An AMPA device of user receives message from service systems over wireless network and stores message in Message File  177 . “1 to N message” key  178  is provided to an AMPA device of user for chooses message which she/he wants to read message information. For example: An AMPA device of user touches “message N” key in  178  to display message (N) information diagram  180  in  FIG. 4H . An AMPA device of user touches “Back” key  179  in  FIG. 4G  to back “Personal Account File  120 ” in  FIG. 4A . 
         [0172]      FIG. 4H : continuing reference present invention “Message File” key  178  in  FIG. 4G . An AMPA device of user touches “message N” key in  178  to display message (N) information diagram  180  in  FIG. 4H . In this present invention  FIG. 4H  diagram illustration. Message N information diagram  180  in  FIG. 4H  comprising: “Responding Type” key  181 , message information N  182 , “Back” key  183 , “Delete” key  184  and “Save” key  185 . “Responding Type” key  181  comprising: “confirmed, denied, cancelled and complain” key. To choose one of responding type depends on an AMPA device of user decision. An AMPA device of user receives receipt message from bank service system including payee&#39;s bank service system and payer&#39;s bank service system and respond message with responding type to third service system. For example: An AMPA device of user receives Message information N  182  and wants to respond message N  182  with responding type to third service system. And if an AMAP device of user decided to choose responding type such as confirmed, then display responding message N  182  with confirmed diagram  186  in  FIG. 4I . An AMPA device of user touches “Back” key  183  in  FIG. 4H  to back “Message File  177 ” in  FIG. 4G . An AMPA device of user touches “Delete” key  184  to delete message information  182  from memory of an AMPA device of user. AMPA devices of user touches “Save” key  185  to store message information  182  correspond to file in memory. 
         [0173]      FIG. 4I : continuing reference present invention message N information  180  in  FIG. 4H  to display responding message with respond type such as confirmed to third service system diagram  186  in  FIG. 4I . In this present invention  FIG. 4I  diagram illustration. An AMPA device of user touches “Send” key  189  to transmit message information N  188  with respond type confirmed  187  to third service systems. An AMPA device of user touches “Save” key  190  to store responds message information N  188  with respond type confirmed  187  into corresponding file in memory. An AMPA device of user touches “Back” key  191  in  FIG. 4I  to back “Message File” diagram  177  in  FIG. 4G . 
         [0174]      FIG. 4J : continuing reference present invention “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Credit Card Identity File” key  127  in  FIG. 4A  to enter Credit Card Identity file  192  in  FIG. 4J . In this present invention  FIG. 4J  diagram illustration. Credit Card Identity File  192  in  FIG. 4J  comprising: “Credit Card Identity number from 1 to N” key  193  and “Back” key  194 . An AMPA device of user touches “Back” key  194  in  FIG. 4J  to back “Personal Account File  120 ” in  FIG. 4A . “Credit Card Identity Number N” key  193  is provided to an AMPA device of user searching credit card information with identity number N. For example: An AMPA device of user touches “Credit Card Identity Number N” key in  193  to display credit card information with identity number N diagram  195  in  FIG. 4K . 
         [0175]      FIG. 4K : continuing reference present invention Credit Card Identity File  192  in  FIG. 4J . An AMPA device of user touches “Credit Card Identity Number N” key in  193  to display credit card information with identity number N diagram  195  in  FIG. 4K . In this present invention  FIG. 4K  diagram illustration. Credit card identity number N information  195  comprising: payee&#39;s bank provided credit card identity number N information  196 , and “Send” key  197 , “Back” key  198 , “Delete” key  199 , “Next” key  200  and “Enter” key  201 . Payee&#39;s Bank Information  196  comprising: Payee&#39;s Bank name is that bank provided a credit card identity number N to an AMPA device of user. Payee&#39;s Bank telephone is that the bank can communicate with an AMPA device by telephone. Payee&#39;s Bank Website is that an AMPA device of user can search more information about personal credit card account from the bank online. Expire date of Credit card identity number N is provided by Payee&#39;s bank. An AMPA device of user touches “Send” key  197  to transmit credit card identity information to third service system. An AMPA device of user touches “Back” key  198  in  FIG. 4K  to back “credit card identity file  192  in  FIG. 4J . An AMPA device of user touches “Delete” key  199  to delete credit card identity number N information  196  from memory of an AMPA device of user. An AMPA device of user touches “Next” key  200  to search next credit card identity number information. An AMPA device of user touches “Enter” key  201  to embed credit card identity number N information in Electrical Text such as EPC or EWD. 
         [0176]      FIG. 4L : continuing reference present invention “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Receipt File” key  129  in  FIG. 4A  to enter Receipt File  202  diagram in  FIG. 4L . In this present invention  FIG. 4L  diagram illustration. Receipt File  202  comprising: credit card identity number from 1 to N and corresponding to “receipt number from 1 to N” key in  203 . And “Back” key  204 . An AMPA device of user touches “Back” key  204  in  FIG. 4L  to back “Personal Account File  120 ” in  FIG. 4A . Credit card identity is used to purchase goods/service by an AMPA device of user. “Receipt number from 1 to N” key  203  is provided to an AMPA device of user who searches receipt history information under the credit card identity. For example, an AMPA device of user wants to search receipt N information with credit card identity such as number N, then she/he touches “Receipt Number N” key in  203  under Credit Card Identity Number N to display receipt number N information diagram  205  in  FIG. 4M . 
         [0177]      FIG. 4M : continuing reference present invention “Receipt File”  202  in  FIG. 4L  to display receipt number N information diagram  205  in  FIG. 4M . In this present invention  FIG. 4M  diagram illustration. For example: an AMPA device of user responds receipt message N with confirmed to third service system and saved responded message in “Receipt File”  202  in  FIG. 4L . Receipt number N information  205  comprising: confirmed receipt number N information  206 , purchased information  207  and “Enter” key  208 , “Back” key  209 , “Delete” key  210  and “Next” key  211 . 
         [0178]    Confirmed receipt number N information  206  including: Respond type such as confirmed; Credit card identity such as number N; Purchasing transaction time such as 12:00 pm and date such as Dec. 1, 2006; And business service Telephone: 
         [0179]    Receipt data such as 
         [0000]    
       
         
               
               
               
             
           
               
                   
                   
               
             
             
               
                   
                 Orange juice 
                 20.00 
               
               
                   
                 LCTD 5 RF 
                 10.00 
               
               
                   
                 Balance 
                 30.00 
               
               
                   
                 Tax 
                 2.00 
               
               
                   
                 Balance Due 
                 32.00 
               
               
                   
                   
               
             
          
         
       
     
         [0180]    Purchased information  207  including: Sale date such as Dec. 1, 2006; a business license is business service license such as MX4BBK6K; Purchase Address that is business service address such as CVS PHARMACY SMITHFIELD NC. Amount is balance due such as 32.00. An AMPA device of user touches “Enter” key  208  to transfer digital data of purchasing information  207  into Total Charges File  131  in  FIG. 4A . An AMPA device of user touches “Back” key  209  to back “Receipt File”  202  in  FIG. 4L  An AMPA device of user touches “Delete” key  210  to delete receipt information  206  and purchasing information  207  from memory of an AMPA of user. An AMPA device of user touches “Next” key  211  to search next receipt number information. 
         [0181]      FIG. 4N : continuing reference present invention “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Total Charges File” key  131  in  FIG. 4A  to enter “Total Charges File  212 ” diagram in  FIG. 4N . In this present invention  FIG. 4N  diagram illustration. “Total Charges File  212 ” diagram in  FIG. 4N  comprising: “credit card identity number from 1 to N” key  213  and “Back” key  214 . An AMPA device of user touches “Back” key  214  in  FIG. 4N  to back “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Credit Card Identity Number N” key  213  to display Total Charges information under credit card identity number N. For example: If An AMPA device of user wants to search total charge information with credit card identity, then touches credit card identity: such as number N to display total charges information under credit card number N diagram  215  in  FIG. 4O . 
         [0182]      FIG. 4O : continuing reference present invention “Total Charges File  212 ” diagram in  FIG. 4N  to display total charges information under credit card number N diagram  215  in  FIG. 4O . In this present invention  FIG. 4O  diagram illustration. Total Charges Information  215  comprising: Credit Card Identity Number N  216 , Total Purchased information  217 , Total Current Charge information  220 , “Creating Electrical Payment Check (EPC)” key  228  and “Back” key  229 , “Delete” key  230  and “Next” key  231 . Total Purchased Information  217  collecting: Sale Date, Business Licensee, and Purchase Address amount. Total Purchase Information  217  lists each purchased information  207  in  FIG. 4M  And an a acquirement device of an AMPA device adds amount of each purchasing information  207  in  FIG. 4M  to obtain Purchases Total amount  218  such as 32.00 in place  219 . 
         [0183]    Total current charges information  220  comprising: Previous Balance  221 , Purchases Total Amount  222 , Payment  223  and New Balance  224  under the purchase  225 . PreviousBalance  221  is total amount before payment. For example, an AMPA device of user previous payment is $120.00. 
         [0184]    (+) Purchase Total Amount  218  is purchased total amount  222 . For example, An AMPA device or user needs to payment purchase total amount  222  is $32.00. (−) Payment  223  is that an AMPA device had amount of payment to payee&#39;s bank. For example, an AMPA device of user made payment $120.00. And a acquirement of an AMPA device acquires new balance: [(=) New balance]  224 =[Previous Balance]  221 +[(+) Purchase Total Amount]  218 −[(−) Payment]  223 . 
         [0185]    Total Current Charges  226 =[new balance]  227 . 
         [0186]    For example in special case: Previous Balance  221 =120.00; (+) Purchases Total Amount  218 =32.00; (−) Payment  223 =120.00. 
         [0187]    [(=) New Balance  224 ]=[Previous Balance  221 ]+[(+) Purchases Total Amount  218 ]−[(−) Payment  223 ]=120.00+32.00−120.00=32.00. 
         [0188]    Total Current Charges  226 =$32.00 in place  227 . 
         [0189]    An AMPA device of user touches “Creating Electrical Payment Check (EPC)” key  228  to enter creating an Electrical Payment Check (EPC) step  234  in  FIG. 4P  to create EPC for making payment to payee&#39;s bank. An AMPA device of user touches “Back” key  229  to back “Total Charges File  212 ” in  FIG. 4N . An AMPA device of user touches “Delete” key  230  to delete one of Total Purchased Information  217 , then, the purchases Total Amount  218 , Total Current Charges Information  220  and Total Current Charges  226  will be recalculated by software in AMPA device. An AMPA device of user touches “Next” key  231  to enter next total charges information under credit card identity number. 
         [0190]      FIG. 4P : continuing reference present invention “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Electrical Payment Check File” key  133  in  FIG. 4A  to enter “Electrical Payment Check File  232 ” in  FIG. 4P . In this present invention  FIG. 4P  diagram illustration. Electrical Payment Check File  232  in  FIG. 4P  comprising: “EPC Credit Card Identity Number from 1 to N” key  233 , “Creating EPC” key  234  and “Back” key  235 . An AMPA device of user touches “Back” key  235  in  FIG. 4P  to back “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Creating EPC” key  233  to enter creating EPC step processing diagram  263  in  FIG. 4T . 
         [0191]    EPC Credit Card Identity Number is provided to an AMPA device of user searching EPC history which includes received confirmed EPC and sent EPC under credit card identity number. For example, An AMPA device of user touches “EPC Credit Card Identity Number N” key  233  to display Electrical Payment Check (EPC) information under credit card identity number N diagram  236  in  FIG. 4Q . 
         [0192]      FIG. 4Q : continuing reference present invention “Electrical Payment Check File  232 ” in  FIG. 4P  to display Electrical Payment Check (EPC) information under credit card identity number N diagram  236  in  FIG. 4Q . In this present invention  FIG. 4Q  diagram illustration. Electrical Payment Check (EPC) information  236  comprising: under “EPC Credit Card Identity Number N  237 ”, “Confirmed EPC” key  238 , “Sent EPC” key  239  and “Back” key  240 . EPC Credit Card Identity Number N  237  is mean that an AMPA device of user payment with EPC to payee&#39;s bank according to credit card identity number N. “Confirmed EPC” key  238  is provided to an AMPA device to search received confirmed EPC information from payer&#39;s bank service system to prove successfully transferring funds from account of payer who is an AMPA device of user to payee&#39;s bank process. For example, An AMPA device of user touches “Confirmed EPC” key  238  to display Confirmed EPC diagram  241  in  FIG. 4R . “Sent EPC” key  239  is provided to an AMPA device of user for searching “Sent EPC” information which she/he transmitted EPC to third service systems before she/he receives confirmed EPC information from third service systems in order to payment date. For example, An AMPA device of user touches “Sent EPC” key  239  in  FIG. 4Q  to display Sent EPC diagram  253  in  FIG. 4S . An AMPA device of user touches “Back” key  240  in  FIG. 4Q  to back display diagrams  232  in  FIG. 4P . 
         [0193]      FIG. 4R : continuing reference present invention “Confirmed EPC” key  238  in  FIG. 4Q  to display Confirmed EPC diagram  241  in  FIG. 4R . In this present invention  FIG. 4R  diagram illustration. 
         [0194]    Confirmed EPC information  241  comprising: payee&#39;s bank  242  information  243 , payer&#39;s bank  247  information  248 , confirmed information  244 ,  245  and  246 , payer&#39;s signature  249 ; and “Back” key  250 , “Delete” key  251  and “Next” key  252 . Payee&#39;s bank  242  is that provide credit card identity number N to an AMPA device of user who is payer  249  to purchase transaction with merchant. 
         [0195]    Payee&#39;s bank  242  also obtained payments from personal account of payer  249  in payer&#39;s bank  247  according to payment amount information  246  such as letter number “one hundred dollars” and digital number “$100.00”. Payee&#39;s bank information  243  includes Payee&#39;s Bank Name, Payee&#39;s Bank Telephone, and Credit Card Identity Number such as N. Expire Date of credit card identity number N. Payer&#39;s Bank  247  provides personal account number N to an AMPA device of user and transfer money from personal account number N of payer  249  to payee&#39;s bank  242  in order to payment amount  246  in EPC. Payer&#39;s bank information  248  includes Payer&#39;s Bank Name, Payer&#39;s Bank Telephone, and Personal Account Number such as N. Confirmed information is which mean that having transferred money from personal account N of payer  249  to payee&#39;s bank  242 . And payer&#39;s bank  247  confirmed words “thank you for payment”  244  and payment date such as Feb. 2, 2006 and time such as 02:00 pm  245  and amount of money such as $100.00  246 . An AMPA device of user who is payer  249  received confirmed EPC information  241  from payer&#39;s bank  247  and stores message in “Confirmed EPC”  238  in  FIG. 4Q  under “Electrical Payment Check File  232 ” in  FIG. 4P  to prove that payer made payment to payee&#39;s bank according to EPC. Payer&#39;s signature  249  such as Jim provides identifying that payment information  246  is provided by payer who is an authority to use a registered an AMPA device with personal account number N in payer&#39;s bank. 
         [0196]    An AMPA device of user touches “Back” key  250  in  FIG. 4R  to back display “EPC information” diagram  236  in  FIG. 4Q . An AMPA device of user touches “Delete” key  251  to delete confirmed EPC information  241  from memory of an AMPA device of user. An AMPA device of user touches “Next” key  252  to search next confirmed EPC information. 
         [0197]      FIG. 4S : continuing reference present invention “Sent EPC” key  239  in  FIG. 4Q  to display Sent EPC diagram  253  in  FIG. 4S . In this present invention  FIG. 4S  diagram illustration. An AMPA device of user touches “Sent EPC” key  239  in  FIG. 4Q  to display sent EPC information diagram  253  in  FIG. 4S . Sent EPC information  253  comprising: payee&#39;s bank information  254 , payment date  255 , payer&#39;s bank information  257 , payment information  256 , payer&#39;s signature  258  and sent EPC date and time information  259 ; And “Back” key  260 , “Delete” key  261  and “Next” key  262 . Payee&#39;s bank information  254  is that payee&#39;s bank provides credit card identity number N to an AMPA device of user who is payer  258 . Payee&#39;s bank information  254  includes Payee&#39;s Bank name, Payee&#39;s Bank Telephone, Payee&#39;s Bank Website, Credit Card Identity Number such as N. Expire Date of credit card identity number N. Payer&#39;s bank information  257  is that payer  258  provides personal account number N  257  information and the payer  258  will use this personal account number N for payment to payee&#39;s bank  254 . So that payer&#39;s bank  257  can transfer money from account number N of payer  258  to payee&#39;s bank  254  in order to payment information  256 . 
         [0198]    Payer&#39;s bank information  257  includes Payer&#39;s Bank Name, Payer&#39;s Bank Telephone, Payer&#39;s Bank Website, and Personal Account Number such as N. Payment information  256  is that payer  258  will make payment to payee&#39;s bank  254  amount money such as $100.00 dollars. Payment information  256  includes payment amount of money in digital represent image data of letter number such as “one hundred” and digital represent image data of digital number $100.00. Payer&#39;s signature  258  such as Jim is that identifying this EPC information  253  is created by payer  258  such as Jime. Sent EPC date  259  such as Dec. 21, 2006 and time such as 02:00 pm is remaining that an AMPA device of user who had sent EPC information to third service systems at time. Payment date  255  such as Jan. 2, 2007 is mean payer&#39;s bank can transfer funds to payee&#39;s bank according to payment date. An AMPA device of user touches “Back” key  260  to back display “EPC information” diagram  236  in  FIG. 4Q . An AMPA device of user touches “Delete” key  261  to delete sent EPC information  253  from memory of an AMPA device of user. An AMPA device of user touches “Next” key  262  to search next sent EPC information. 
         [0199]      FIG. 4T : Continuing reference present invention Electrical Payment Check (EPC)  234  in  FIG. 4P  to enter creating Electrical Payment Check (EPC) step with an AMPA device. An AMPA device of user touches “Creating EPC” key  234  in  FIG. 4P  to enter creating EPC step processing diagram  263  in  FIG. 4T . In this present invention  FIG. 4T  diagram illustration. An AMPA device of user touches “Creating EPC” key  234  in  FIG. 4P  or key  228  in  FIG. 4O  to enter creating EPC step 1 : Electrical Payment Check (EPC)  263  in  FIG. 4T . In  FIG. 4T  diagram  263  illustrations that payee&#39;s Bank information  264  and “credit card identity information” key  265 . Payee&#39;s Bank  264  remains payer to choose one of credit card identity from credit card identity information  265  which is provided by payee&#39;s bank  264  to an AMPA device of user. For example: an AMPA device of user wants to choose credit card identity which is stored in “Credit Card Identity File  192 ” in  FIG. 4J  and number is N. An AMPA device of user touches “credit card identity information” key  265  in  FIG. 4T  to enter “Credit Card Identity File  192 ” in  FIG. 4J  and then continues to touch “Credit Card Identity number N”  193  key in  FIG. 4J  to enter credit card identity number N information  195  in  FIG. 4K  and then continuing to touch “Enter” key  201  in  FIG. 4K  to embed “credit card identity information”  196  in EPC diagram  267  in  FIG. 4U  to display payee&#39;s bank information  268  in  FIG. 4U . An AMPA device of user touches “Back” key  266  in  FIG. 4T  to Back “Electrical Payment Check File  232 ” in  FIG. 4P . And an AMPA device of user continues creating EPC to step  2  in  FIG. 4U : 
         [0200]      FIG. 4U : Continuing reference present invention creating EPC step 1  in  263   FIG. 4T  to step  2  in  FIG. 4U . In this present invention creating EPC step  2  in  267   FIG. 4U  diagram illustrations. In  FIG. 4U  diagram  267  illustration that payee&#39;s bank information  268  and “Enter Payment Date” key  269  and “Back” key  270 . An AMPA device of user touches “Enter Payment Date” key  269  to create digital represent image data of digital number of payment date  272  such as Feb. 1, 2007 in  FIG. 4V  in order to illustration Digital Number diagram  155  in  FIG. 4D  and display EPC diagram  271  in  FIG. 4V . An AMPA device of user touches “Back” key  270  in  FIG. 4U  to back display diagrams  263  in  FIG. 4T . And an AMPA device of user continues creating EPC to step  3  in  FIG. 4V : 
         [0201]      FIG. 4V : Continuing reference present invention creating EPC step  2  in  267   FIG. 4U  to step  3  in  FIG. 4V . In this present invention creating EPC step  3  in  271   FIG. 4V  diagram illustrations. In  FIG. 4V  diagram  271  illustration that payee&#39;s bank information, payment date  272  and pay to the order of  273  with “Enter Letter Number” key  274  and “Back” key  275 . Pay to the Order of  273  remains that payer input payment amount of digital represent image data of letter number in EPC. 
         [0202]    An AMPA device of user touches “Enter Letter Number” key  274  to create digital represent image data of letter number (such as One Hundred Dollars)  277  in  FIG. 4W  in order to illustration letter number diagram  160  in  FIG. 4E  and display EPC diagram  276  in  FIG. 4W . AMPA devices of user touches “Back” key  275  in  FIG. 4V  to back display diagram  267  in  FIG. 4U . And an AMPA device of user continues creating EPC to step  4  in  FIG. 4W : 
         [0203]      FIG. 4W : Continuing reference present invention creating EPC step  3  in  271   FIG. 4V  to step  4  in  276   FIG. 4W . In this present invention creating EPC step  4  in  276   FIG. 4W  diagram illustrations. In  FIG. 4W  diagram  276  illustration that payee&#39;s bank information, payment date, pay to the order of One Hundred Dollars  277  and money sign “$”  278  with “Enter Digital Number” key  279  and “Back” key  280 . Money sign “$”  278  remains payer that input payment amount money of digital represent image data of digital number correspond to payment amount of digital represent image data of letter number  277  such as One Hundred. An AMPA device of user touches “Enter Digital Number” key  279  to create digital represent image data of digital number (such as 100.00)  282  in  FIG. 4X  in order to illustration digital number diagram  155  in  FIG. 4D  and display EPC diagram  281  in  FIG. 4X . An AMPA device of user touches “Back” key  280  in  FIG. 4W  to back display EPC diagrams  271  in  FIG. 4V . And an AMPA device of user continues creating EPC to step  5  in  FIG. 4X : 
         [0204]      FIG. 4X : Continuing reference present invention creating EPC step  4  in  276   FIG. 4W  to step  5  in  281   FIG. 4X . In this present invention creating EPC step  5  in  281   FIG. 4X  diagram illustrations. In  FIG. 4X  diagram  281  illustration that payee&#39;s bank information, payment date, pay to the order of letter number such as One Hundred Dollars and digital number  282  such as $100.00 are embedded in EPC. And Payer&#39;s bank information  283  with “Bank Account Information” key  284  and “Back” key  285 . Payer&#39;s bank information  283  remains that payer choose a bank account number N from payer&#39;s bank. An AMPA device of user touches “Bank Account Information “key  284  to enter” Personal Bank Account File  355  in  FIG. 6A . And then continuing to touch “Personal Account Number N” key  356  in  FIG. 6A  to enter “Bank Account Information”  358  in  FIG. 6B . And then continuing to touch “Enter” key  364  in  FIG. 6B  to embed “Payer&#39;s Bank Information  359 ”  FIG. 6B  in diagram EPC  286   FIG. 4Y  and display payer&#39;s bank information  287  in  FIG. 4Y . An AMPA device of user touches “Back” key  285  in  FIG. 4X  to back display EPC diagrams  276  in  FIG. 4W . And an AMPA device of user continues creating EPC to step  6  in  FIG. 4Y : 
         [0205]      FIG. 4Y : Continuing reference present invention creating EPC step  5  in  281   FIG. 4X  to step  6  in  FIG. 4Y . In this present invention creating EPC step  6  in  286   FIG. 4Y  diagram illustrations. 
         [0206]    In  FIG. 4Y  diagram  286  illustration that payee&#39;s bank information, payment date, pay to the order of letter number such as One Hundred Dollars and digital number such as $100.00, payer&#39;s bank information  287  are all embedded in EPC, and “payer&#39;s signature” key  288  and “Back” key  289 . 
         [0207]    Payer&#39;s signature  288  remains payer sign signature identity to identify that an authorized user creating EPC. An AMPA device of user touches “payer&#39;s signature” key  288  in  FIG. 4Y  and display sign diagram  290  in  FIG. 4Z . An AMPA device of user touches “Back” key  289  in  FIG. 4Y  to back display diagrams  281  in  FIG. 4X . And an AMPA device of user continues creating EPC to step  7  in  FIG. 4Z : 
         [0208]      FIG. 4Z : Continuing reference present invention creating EPC step  6  in  286   FIG. 4Y  to step  7  in  FIG. 4Z . In this present invention creating EPC step  7  in  290   FIG. 4Z  diagram illustrations. In  FIG. 4Z  diagram  290  illustration that signature  292  and “Yes” key  293 , “No” key  294  and “Back” key  295 . 
         [0209]    Signature  292  remains payer to sign authority signature (such as Jim) in place  291 . If authorized user did not satisfy her/his signature, then touching “No” key  294  to delete signature  291  and authorized user can resign again. If authorized user satisfied her/his signature, then touching: “Yes” key  293  to display EPC diagram  296  in  FIG. 5A  If authorized user wants to cancel sign process and come back step  6 , then touching: “Back” key  295  in  FIG. 4Z  to back diagram  286   FIG. 4Y . 
         [0210]      FIG. 5A : Continuing reference present invention creating EPC step  7  in  290   FIG. 4Z  that If authorized user satisfied her/his signature, then touching: “Yes” key  293  to step  8  display EPC diagram  296  in  FIG. 5A . In this present invention creating EPC step  8  in  296   FIG. 5A  diagram illustrations. In  FIG. 5A  diagram  296  illustration that payee&#39;s bank information, payment date, pay to the order of letter number such as one hundred dollars and digital number such as $100.00. Payer&#39;s bank information, payer&#39;s signature such as Jim are all embedded in EPC. And “Back” key  297 , “Delete” key  298 , “Send” key  299  and “Save” key  300 . An AMPA device of user touches “Back” key  297  in  FIG. 5A  to back display EPC diagrams  286  in  FIG. 4Y . An AMPA device of user touches “Delete” key  298  to delete EPC diagram  296  in  FIG. 5A  from memory of an AMPA device of user. 
         [0211]    An AMPA device of user touches “Send” key  299  to transmit digital of image data of EPC  296  in  FIG. 5A  to third service systems such as payee&#39;s bank service system, payer&#39;s bank service system and security service system. An AMPA device of user touches “Save” key to store EPC  296  in “Sent EPC File  239 ” in  FIG. 4Q . 
         [0212]      FIG. 5B : continuing reference present invention “Personal Account File  120 ” in FIG.  4 A.” An AMPA device of user touches “ATM Electrical WithDrawal (EWD) File” key  136  in  FIG. 4A  to enter “ATM Electrical WithDrawal (EWD) File”  301  in  FIG. 5B . In this present invention  FIG. 5B  diagram illustration. ATM Electrical WithDrawal File  301  in  FIG. 5B  comprising: “ATM withdrawal Account Number from 1 to N” key  302 , “Creating EWD” key  303  and “Back” key  304 . An AMPA device of user touches “Back” key  304  in  FIG. 5B  to back “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Creating EWD” key  303  to enter creating EWD step  327  in  FIG. 5F . ATM withdrawal Account Number from 1 to N” key  302  is provided to an AMPA device of user to search withdrawal information under bank account number. For example: an AMPA device of user wants to search withdrawal information under bank account number N. An AMPA device of user touches “ATM EWD Account number N” key  302  in  FIG. 5B  to display Electrical WithDrawal (EWD) information  305  in  FIG. 5C   
         [0213]      FIG. 5C : continuing reference present invention “ATM Electrical WithDrawal (EWD) File”  301  in  FIG. 5B  to display Electrical WithDrawal (EWD) information under account number N  305  in  FIG. 5C . In this present invention  FIG. 5C  diagram illustration. EWD information  305  in  FIG. 5C  comprising: ATM Account Number N  306 , “Confirmed EWD” key  307  and “Sent EWD” key  308 . ATM Account Number  306  is meaning that an AMPA device of user withdraws money with personal bank account number N  306  from Changing ATM machine. “Confirmed EWD” key  307  is provided to an AMPA device searching received confirmed EWD information from payer&#39;s bank service system to prove successfully sent out funds from account of payer to Changing ATM. An AMPA device of user touches “Confirmed EWD” key  307  to enter Confirmed EWD information diagram  310  in  FIG. 5D . An AMPA device of user can search for storing Sent EWD information to service system for waiting withdrawal money from Changing ATM machine. “Sent EPC” key  308  is provided to an AMPA device of user who searches “sent EWD” information which she/he transmitted EWD to third service systems for withdrawal money from changing ATM machine. An AMPA device of user touches “Sent EWD” key  308  to enter Sent EWD information diagram  319  in  FIG. 5E . An AMPA device of user touches “Back” key  309  in  FIG. 5C  to back display ATM EWD File diagram  301  in  FIG. 5B . 
         [0214]      FIG. 5D : continuing reference present invention “Confirmed EWD” key  307  in  FIG. 5C  to display Confirmed EWD diagram  310  in  FIG. 5D . In this present invention  FIG. 5D  diagram illustration. 
         [0215]    Confirmed EWD information  310  in  FIG. 5D  comprising: payer&#39;s bank information  311 , confirmed information  312 ,  313  and  314 ; payer&#39;s signature  315 . And “Back” key  316 , “Delete” key  317  and “Next” key  318 . Payer&#39;s bank information  311  is that the payer&#39;s bank provides personal account number to withdrawer. Confirmed information is that payer&#39;s bank  311  had transferred money from personal account number N of withdrawer who is an AMPA device of user to Changing ATM machine in order to EWD of withdrawer. And payer&#39;s bank  311  given confirmed words “Thank you use ATM machine”  312  and withdrawn date  313  such as Mar. 11, 2006 and time such as 02:30 pm and withdrawn amount money  314  such as Two Hundred Dollars and $200.00 from personal account number N in payer&#39;s bank  311 . Withdrawer&#39;s signature  315  such as Jim provides to identify that EWD information  310  is provided by withdrawer who has personal account number N in payer&#39;s bank and an authority to use a registered an AMPA device. An AMPA device of user touches “Back” key  316  in  FIG. 5D  to back display “EWD information”  305  diagram in  FIG. 5C . An AMPA device of user touches “Delete” key  317  to delete confirmed EWD information  310  from memory of an AMPA device. An AMPA device of user touches “Next” key  318  to search next confirmed EWD information. 
         [0216]      FIG. 5E : continuing reference present invention touching “Sent EWD” key  308  in  FIG. 5C  to display Sent EWD Information diagram  319  in  FIG. 5E . In this present invention  FIG. 5E  diagram illustration. Sent EWD information  319  in  FIG. 5E  comprising: payer&#39;s bank information  320 , WithDrawal information  321 , withdrawer&#39;s Signature  322  and sent EWD date and time  323 ; “Back” key  324 , “Delete” key  325  and “Next” key  326 . Payer&#39;s Bank  320  provides personal account number N to an AMPA device of user and also provides Changing ATM machine for withdrawal. Withdrawal information  321  indicates that withdrawal money amount in digital represent image data of letter number such as Two Hundred Dollars and in digital represent image data of digital number such as $200.00. Payer&#39;s Bank  320  in order to withdraw information  321  to sent money from personal account number N of withdrawer to output of changing ATM machine which withdrawer who is an AMPA device of user have to take money place. Withdrawer&#39;s signature  322  identifies that EWD information  319  is created by Withdrawer such as Jime. Sent EWD date  323  such as Mar. 11, 2006 and time such as 02:10 remain that an AMPA device of user had sent EWD information to third service system. An AMPA device of user touches “Back” key  324  to back display “EWD information” diagram  305  in  FIG. 5C . An AMPA device of user touches “Delete” key  325  to delete Sent EWD information  319  from memory of an AMPA device of user. An AMPA device of user touches “Next” key  326  to search next Sent EWD information. 
         [0217]      FIG. 5F : Continuing reference present invention “ATM Electrical WithDrawal (EWD) File”  301  in  FIG. 5B  to create Electrical WithDrawal (EWD) with an AMPA device. An AMPA device of user touches “Creating EWD” key  303  in  FIG. 5B  to enter creating EPC step processing diagram  327  in  FIG. 5F . In this present invention  FIG. 5F  diagram illustration. In  FIG. 5F  diagram  327  illustration that payer&#39;s bank information  328 , “Bank Account Information” key  329  and “Back” key  330 . Payer&#39;s bank information  328  remains that withdrawer chooses one of bank account number from personal account information which is provided by payer&#39;s bank to an AMPA device of user. For example: an AMPA device of user wants to choose one of bank account number which is stored in “Personal Bank Account File”  355  in  FIG. 6A  and number is N. An AMPA device of user touches “Bank Account Information” key  329  in  FIG. 5F  to enter “Personal Bank Account File  355 ” in  FIG. 6A . And then continuing to touch “Personal Account Number N” key  356  in  FIG. 6A  to enter “Bank Account Information N”  358  in  FIG. 6B . And then continuing to touch “Enter” key  364  in  FIG. 6B  to embed “Payer&#39;s Bank Information N  359 ” in  FIG. 6B  into EWD  331  in  FIG. 5G  to display payer&#39;s bank information  332  diagram in  FIG. 5G . An AMPA device of user touches “Back” key  330  in  FIG. 5F  to back “Electrical WithDrawal File”  301  in  FIG. 5B . And an AMPA device of user continues creating EWD to step  2  in  FIG. 5G . 
         [0218]      FIG. 5G : Continuing reference present invention creating EWD step  1  in  FIG. 5F  to step  2  in  FIG. 5G . In this present invention creating EPC step  2  in  331   FIG. 5G  diagram illustrations. 
         [0219]    In  FIG. 5G  diagram  331  illustration that payer&#39;s bank information  332  and withdrawal to the Order of  333  and “Enter Letter Number” key  334 , “Back” key  335 . WithDrawal to the Order of  333  remains that withdrawer input withdrawal amount money of digital represent image data of letter number in EWD. An AMPA device of user touches “Enter letter Number”  334  to create digital represent image data of letter number such as Two Hundred Dollars  337  in  FIG. 5H  in order to illustration letter number diagram  160  in  FIG. 4E  and display EWD diagram  336  in  FIG. 5H . An AMPA device of user touches “Back” key  335  in  FIG. 5G  to back display EWD diagram  327  in  FIG. 5F . And an AMPA device of user continues creating EWD to step  3  in  FIG. 5H . 
         [0220]      FIG. 5H : Continuing reference present invention creating EWD step  2  in  FIG. 5G  to step  3  in  FIG. 5H . In this present invention creating EPC step  3  in  336   FIG. 5H  diagram illustrations. 
         [0221]    In  FIG. 5H  diagram  336  illustration that payer&#39;s bank information and withdrawal in the order to such as Two Hundred Dollars  337 , sign “$”  338  with “Enter Digital Number” key  339 , and “Back” key  340 . Money sign “$”  338  remains that withdrawer input withdrawal amount money of digital represent image data of digital number correspond to withdraw amount of digital represent image data of letter number  337  such as Two Hundred. An AMPA device of user touches “Enter Digital Number” key  339  to create digital represent image data of digital number (such as 200.00)  342  in  FIG. 5I  in order to illustration digital number diagram  155  in  FIG. 4D  and display EWD diagram  341  in  FIG. 5I . An AMPA device of user touches “Back” key  340  in  FIG. 5H  to back display EPC diagrams  331  in  FIG. 5G . And an AMPA device of user continues creating EWD to step  4  in  FIG. 5I . 
         [0222]      FIG. 5I : Continuing reference present invention creating EWD step 3  in  FIG. 5H  to step  4  in  FIG. 5I . In this present invention creating EPC step  4  in  341   FIG. 5I  diagram illustrations. In  FIG. 5I  diagram  341  illustration that payer&#39;s bank information, withdrawal in the order to money such as Two Hundred Dollars and ($200.00)  342 . And “Withdrawer&#39;s Signature” key  343  and “Back” key  344 . Withdrawer&#39;s Signature  343  remains withdrawer signs signature identity to identify that an authorized user creating EWD. An AMPA device of user touches “Withdrawer&#39;s Signature” key  343  in  FIG. 5I  and display signing diagram  345  in  FIG. 5J . AMPA devices of user touches “Back” key  344  in  FIG. 5I  to back display diagram  336  in  FIG. 5H . And an AMPA device of user continues creating EWD to step  5  in  FIG. 5J : 
         [0223]      FIG. 5J : Continuing reference present invention creating EWD step  4  in  FIG. 5I  to step  5  in  FIG. 5J . 
         [0224]    In this present invention creating EPC step  5  in  345   FIG. 5J  diagram illustrations. In  FIG. 5J  diagram  345  illustrations that signature  346 , “Yes” key  348 , “No” key  349  and “Back” key  920 . Signature  346  remains withdrawer to sign authority signature (such as Jim) in place  347 . 
         [0225]    An AMPA device of user signs signature identity such as Jim  347  with stylus on the screen of an AMPA device. If an authorized user did not satisfy her/his signature, then touching “No”  349  key to delete signature in  347  and an AMPA device of user can resign again with stylus on the screen of an AMPA device. If an AMPA device of user satisfied her/his signature, then touching: “Yes” key  348  to display diagram  350  in  FIG. 5K . If authorized user wants to cancel sign process and come back step  4 , then touching: “Back” key  920  in  FIG. 5J  to back diagram  341   FIG. 5I . And an AMPA device of user continues creating EWD to step  6  in  FIG. 5K . 
         [0226]      FIG. 5K : Continuing reference present invention creating EWD step  5  in  FIG. 5J  to step  6  in  FIG. 5K . 
         [0227]    In this present invention creating EPC step  6  in  350   FIG. 5K  diagram illustrations. In  FIG. 5K  diagram  350  illustration that payer&#39;s bank information, withdrawal in the order to such as Two Hundred Dollars and $200.00, withdrawer&#39;s signature such as Jim, and “Back” key  351 , “Delete” key  352 , “Send” key  353  and “Save” key  354 . AMPA device of user touches “Back” key  351  in  FIG. 5K  to back display diagram  341  in  FIG. 5I . An AMPA device of user touches “Delete” key  352  to delete EWD diagram  350  in  FIG. 5K  from memory of an AMPA device of user. An AMPA device of user touches “Send” key  353  to transmit digital represent of image data of EWD  350  in  FIG. 5K  to third service system such as payer&#39;s bank service system, and security service system. An AMPA device of user touches “Save” key  354  to store EWD  350   FIG. 5K  in Sent EWD File  308  in  FIG. 5C . 
         [0228]      FIG. 6A : continuing reference present invention “Personal Account File  120 ” in  FIG. 4A . An AMPA device of user touches “Personal Bank Account File” key  139  in  FIG. 4A  to enter “Personal Bank Account File”  355  in  FIG. 6A . In this present invention  FIG. 6A  diagram illustration. 
         [0229]    Personal Bank Account File  355  in  FIG. 6A  comprising: “Personal Account Number from 1 to N” key  356  and “Back” key  357 . An AMPA device of user touches “Back” key  357  in  FIG. 6A  to back “Personal Account File”  120  in  FIG. 4A . “Personal Account Number from 1 to N” key  356  is provided to an AMPA device of user to choose one of personal account number. For example: an AMPA device of user wants to choose personal account number N. An AMPA device of user touches “Personal Account Number N” key in  356 ″ to display payer&#39;s bank information diagram  358  in  FIG. 6B   
         [0230]      FIG. 6B : Continuing reference present invention “Personal Bank Account File” in  FIG. 6A  to display payer&#39;s bank information diagram  358  in  FIG. 6B . In this present invention  FIG. 6B  diagram illustration. Bank Account Information N  358  comprising: payer&#39;s bank information  359  and “Bank Account Balance Number N” key  360  and “Back” key  361 , “Delete” key  362 , “Next” key  363  and “Enter” key  364 . Payer&#39;s bank information  359  includes Payer&#39;s bank name, Payer&#39;s bank telephone, Payer&#39;s bank website and personal account number N. An AMPA device of user touches “Bank Account Balance: Number N” key  360  to display Bank Account Balance information  365  in  FIG. 6C . An AMPA device of user touches “Back” key  361  in  FIG. 6B  to back “Personal Bank Account File”  355  in  FIG. 6A . An AMPA device of user touches “Delete” key  362  to delete payer&#39;s bank account information  359  in  FIG. 6B  from memory of an AMPA device of user. An AMPA device of user touches “Next” key  363  to search next bank account information. An AMPA device of user touches “Enter” key  364  to embed payer&#39;s bank account information in Electrical Text such as Electrical Payment Check or Electrical WithDrawal. 
         [0231]      FIG. 6C : Continuing reference present invention toughing “Bank Account Information” in  FIG. 6B  to display Bank Account Balance information  365  in  FIG. 6C . In this present invention  FIG. 6C  diagram illustration. Account Balance information  365  in  FIG. 6C  comprising: Bank Account Balance Information  366 , bank account number such as number N  367 , date  368 , PreviousBalance  369 , (−) Payment&amp;Withdrawal  370 , and (=) NewBalance  371 . Bank Account Balance Information  366  remains that an AMPA device of user this diagram is about account balance under the account number N  367 . Date  368  is that an AMPA device of user payment date or withdrawal date. 
         [0232]    PreviousBalance  369  is that amount money of balance in personal account number N  367  before an AMPA device of user payment or withdrawal money from personal account number N  367 . 
         [0233]    Payment&amp;withdrawal  370  is that amount money that an AMPA device of user payment or withdrawal money from account number N  367 . New balance  371  is that amount money of balance in personal account number N  367  after an AMPA device of user payment or withdrawal money  370  from personal account number N  367 . An acquisition device in an AMPA device acquire New balance  371 =previous balance  369 —payment&amp;withdrawal  370  and store New balance data. 
         [0234]    An AMPA device of user touches “Back” key  372  in  FIG. 6C  to back “Personal Bank Account File”  355  in  FIG. 6A . An AMPA device of user touches “Delete” key  373  to delete one of Bank Account Balance Information  365  from memory of an AMPA device of user. An AMPA device of user touches “Next” key  374  to search next bank account number balance information. 
         [0235]      FIG. 7A : Pervious present invention mention that an authorized user must use a registered AMPA device to purchase goods/service in Defense ID-theft attack security service system, in this present invention diagram in  FIG. 7A  illustration that a user obtains a registered AMPA device and to be authorized user at register AMPA device service. A register AMPA device service  375  provides AMPA device  378  to customer (no illustration) who wants to use an AMPA device  378  for purchasing goods/service and a computer  377  communicate with insures service system  383  over wired network  382 . A server  376  who is employee of insures company is utilizing computer  377  to help a customer (no illustration) register AMPA device  378  at register AMPA device service  375 . Customer provides personal information including Social Security Number (SSN), Driver License, and Birthday etc (no illustration) to server  376 . Server  376  utilizes computer  377  at register AMPA device service  375  to transmit personal information of customer to insures service system  383  over wired network  382 . Insures service system  383  receives personal information of customer from computer  377  of register AMPA device service  375  to determine unique AMPA identity from its AMPA identity domain in system database (no illustration). Insures service system  383  transmits unique AMPA identity to base station  385  over wired network  384 . Base station  385  determines an IP address of an AMPA device from its IP address domain (no illustration) correspond to AMPA identity and responds message appending AMPA IP address with AMPA identity to insures service system  383  over wired network  384 . AMPA IP address is stored in correspond to database of system of base station  385 . Insures service system  383  receives IP address of an AMPA device from base station  385 , a message appending unique AMPA identity and AMPA IP address is transmitted to computer  377  of register AMPA device service  375  over wired network  382 . Personal information of customer, AMPA identity and AMPA IP address are stored in correspond to system database of insures service system  383  separately. Then, the customer signs an authority signature with stylus on touch screen (no illustration) of a registered AMPA device  378  and utilizes a cable  407  to connect host interface (no illustration) of registered AMPA device  378  and host interface (no illustration) of computer  377  of register AMPA device service  375  to transmit digital represent image data of an authority signature identity (no illustration) into computer  377 . A server  376  at register AMPA service  375  operates computer  377  to transmit an authority signature identity with personal information appending AMPA identity, AMPA IP address and IP address of insures service system  383  to security service system  380  over wired network  381 . Personal information, signature identity, AMPA identity, AMPA IP address and IP address of insures service system  383  are stored in correspond to system database of security service system  380  separately. Security service system  380  transmits an approve message to an AMPA device  378  of user for confirming user having authority to use a registered AMPA device  378  over wireless network  379 . AMPA identity, AMPA IP address and IP address of security service system  380  and IP address of insures service system  383  are stored in correspond electrical file in memory of a registered AMPA device. 
         [0236]      FIG. 7B : Present invention there is provided register AMPA device service to provide special service that a customer, who wants to use AMPA device for purchasing transaction and maintains personal account information in memory of AMPA device, obtains authority to use a registered AMPA device. Register AMPA device of service is provided by insures service system. 
         [0237]    In this present invention illustration a register AMPA device service process for a customer to obtain unique AMPA device with AMPA identity, AMPA IP address, IP address of insures service system and IP address of security service system and signature identity of customer to be stored in system database of security service system  386 . Initially, a customer goes to register AMPA device service to apply a registered AMPA device  387 . Customer provides personal information such as Social Security Number (SSN), Derive licenses, and Birthday etc to server who is an employee of insures company works at register AMPA device service  388 . Server identifies personal information of customer is valid and transmits application message with personal information of customer to insures service system  389 . After insures service system receives application message from a computer of a register AMPA device service, then, Insures service system determines unique AMPA identity from its AMPA identity domain database of insures service system  390 . And an application IP address message with AMPA identity is transmitted from insures service system to base station which manages IP address in wireless and wired network  391 . The Base Station receives application IP address message from insures service system and scans its IP address domain database to determine unique IP address corresponding to unique AMPA identity. A system of base station stores AMPA IP address in database. Then, Base Station responds feedback application message appending AMPA IP address and AMPA identity to insures service system  392 . Insures service system receives AMPA IP address appending AMPA identity from base station. An AMPA identity database of insures service system stores AMPA identity with corresponding to AMPA IP address. Then, a responding application message with AMPA Identity and AMPA IP address are transmitted to register AMPA device service over wired network  393 . A computer of register AMPA device service receives responding application message from the insures service system and transmits digital data about AMPA IP address, AMPA Identity and IP address of insures service system into registered AMPA device of user via cable between host interfaces of an registered AMPA device and host interface of computer of register AMPA device service. The digital data are stored in nonvolatile memory of a registered AMPA device. AMPA identity, AMPA IP address and IP address of insures service systems are nonvolatile and also the user could not change them  394 . Then, customer uses a registered AMPA device to sign an authority signature with a stylus on touch screen and directly transmits signature of customer to computer of register AMPA device service via cable between host interface of an AMPA device and host interface of computer of register AMPA device service  395 . An authority signature message with personal information appending AMPA IP address, AMPA Identity and IP address of insures service system is transmitted by register AMPA device service to security service system  396 . After security service system receives authority signature message from register AMPA device service, AMPA Identity AMPA IP address and IP address of insures service system are stored in AMPA identity database; personal information is stored in Personal Information database; authority signature Identity is stored in Signature Identity database of security service system. The security service system replies an approving message with confirming that user has authority the use a registered AMPA device to an AMPA device of user over wireless network  397 . Registered AMPA device of user receives approving message from security service system and IP address of security service system is stored in memory of an AMPA device. IP address of security service system is stored in nonvolatile memory and an AMPA device of user could not change them  398  ends  399 . 
         [0238]      FIG. 8A : present invention there is provided a black list database in security service system to ensure an AMPA device identity in black list could not be used in defense ID-theft attack security service system; and also present invention there is provided an AMPA identity database in security service system to identify whether an AMPA device has registered. Only a registered AMPA device can be utilized to purchase goods/service for user. 
         [0239]    It is defense potential ID-theft attack risks that ID-theft utilizes an alert AMPA identity such as a registered AMPA Identity in black list is suspended by security service system to purchase transaction with merchant. It is defense potential ID-theft attack risks that ID-theft utilizes unqualified AMPA device such as no registered AMPA device to purchase goods/service  400 . 
         [0240]    In this present invention, Security service system process sub-procedure identifies whether AMPA identity is valid in  FIG. 8A . Security service system receives packets appending AMPA identity information from service system or an AMPA device of user. A determination device as a part of security service system scans black list database to check whether this AMPA identity is in black list database  401 . If A determination device as a part of security service system discoveries AMPA identity in black list database, then, invalid AMPA identity is issued by security service system  403  and going to step  404  in  8 A:END_ 2 . If A determination device as a part of security service system undiscovered AMPA identity in black list database, then continuing second step: A determination device as a part of security service system scans AMPA identity database to discovery whether AMPA identity is in AMPA identity database of system  402 . If a determination device as a part of security service system discoveries AMPA identity in AMPA identity database, a valid AMPA device is issued by security service system  405  and going to step  406  in  8 A: END_ 1 . If a determination device as a part security service system undiscovered AMPA identity in AMPA identity database, an invalid AMPA identity is issued by security service system and going to step  403  and going to step  404  in  8 A:END_ 2 . 
         [0241]      FIG. 8B : Present invention there is provided an AMPA user&#39;s signature identity database in security service system to identify whether an AMPA device of user has authority to use a registered AMPA device for purchasing transaction with merchant. Only an authorized user utilizes registered AMPA device to purchase goods/service. 
         [0242]    It is defense potential ID-theft attack risks that ID-theft utilizes forge signature identity with stolen a registered AMPA device to purchase transaction with merchant under victim blinding. 
         [0243]    In this present invention, Security service system process sub-procedure identifies whether the user is an authorized user  410  in  FIG. 8B . Security service system receives packets appending signature identity information of an AMPA device of user from service systems or an AMPA device of user. A determination device as part of security service system determines that received signature identity of an AMPA device of user is matched with recorded signature identity of an AMPA device of user in signature identity database of system, an valid authorized user is issued from the security service system  412  and going to step  413  in  8 B:END_ 1 . A determination device as a part of security service system determines that received signature identity of an AMPA device of user is not matched with recorded signature identity of an AMPA device of user in signature identity database of system, invalid authorized user is issued from the security service system  414  and going to step  415  in  8 B:END_ 2 . 
         [0244]      FIG. 8C : continuing reference present invention  FIG. 8A  and  FIG. 8B  sub-procedures process to obtain sub-procedure in  FIG. 8C . There is provided a security service system to provide a special service in responds to massage issued from third service systems or an AMPA device to identify whether massage is valid. Only valid message is allowed to obtain service in Defense ID-theft attack security service system. 
         [0245]    It is defense potential ID-theft attack risks that ID-theft transmits forge message to third service systems under victim blinding during purchasing transaction session. 
         [0246]    In this present invention, Security service system process sub-procedure identifies whether message is valid  416  in  FIG. 8C . A determination device as a part of security service system receives message from third service systems or an AMPA device of user to identify whether this message is valid  417 . First: a determination device as part of security service system process procedure step  400  in present invention  FIG. 8A  to determine whether valid AMPA identity is used in message. If the processing procedure  400  of  FIG. 8A  goes to step  404  in  FIG. 8A : END_ 2 , a determination device as a part of security service system determines an invalid AMPA identity in message  422  and an invalid message is issued from security service system  426  and goes to step  427  in  8 C: END_ 2 . If the processing procedure  400  of  FIG. 8A  goes to step  406  in  8 A: END_ 1 , a determination device as a part of security service system determines a valid AMPA identity in message  418 . And a determination device as a part of security service system continues to go to step  410  in  FIG. 8B  identify whether a user is an authorized user in message. If the processing procedure  410  of  FIG. 8B  goes to step  413  in  8 B: END_ 1 , a determination device as a part of security service system determines a valid authorized user in message  419 . Then, a valid message is issued from security service system  420  and going to step  421  in  8 C: END_ 1 . If the processing procedure  410  of  FIG. 8B  goes to step  415  in  8 B: END_ 2 , a determination device as a part of security service system determines an invalid authorized user in message  423 . Then, a determination device as a part of security service system checks how many time (T) an AMPA device of user sign signatures. 
         [0247]    Initial T=0, if T=T+1&lt;3, an invalid message and try again is issued from security service system  424  and going to step  425  in  8 C: END_ 3 . Otherwise, if T=T+1&gt;3, then an invalid message is issued from security service system  426  and going to step  427  in  8 C: END_ 2 . 
         [0248]      FIG. 8D : in this present invention there is provided a security service system to deal with an AMPA device of user&#39;s name in black list database. Due to some reason an AMPA device of user transmits message with error such as an AMPA device problem or ID-theft attack, or an AMPA device of user dishonest behavior. A determination device as a part of security service system will detect error message and put user&#39;s name with his/her AMPA identity into black list database, and transmits black list data to third service system and suspends service for this person whom name in black list in Defense ID-theft attack security service system  430 . 
         [0249]    It is that prevents and defends against potential ID-theft attack risk that ID-theft hides in marketing environment to continue attacks under victim blinding. It is that restrict dishonest behavior risk that person denies purchasing goods/service under merchant blinding. 
         [0250]    Security service system broadcasts black list message including an AMPA device of user&#39;s name, AMPA identity and credit card identity in Defense ID-theft attack security service system  431 . Payee&#39;s bank service system receives black list from security service system to release credit card identity in order to black list so that an AMPA of user in black list could not use the credit card identity to purchase goods/service in Defense ID-theft attack security service system  432  and ends  433 . Payer&#39;s bank service system receives black list from security service system to cancels payment or withdrawal processing and close account in order to black list so that an AMPA of user in black list could not use the account identity to payment or withdrawal in Defense ID-theft attack security service system  434  and ends  435 . Insures service system receives black list from security service system to release AMPA identity in order to black list so that an AMPA of user in black list could not have authority to use a suspending AMPA identity  436  and ends  437 . An AMPA device of user receives black list with her/his name and she/he could not access into personal account file in memory of an AMPA device and must go to register AMPA service for explaining reason or re-register AMPA device and reopen credit card identity, reopen personal account  438  and ends  439 . 
         [0251]      FIG. 9A : In present invention, an AMPA device of user has to pass identifying from security service system, then she/he can access into memory to search or use personal account file and in this present invention processing  440  diagrams in  FIG. 9A  illustration. 
         [0252]    Initially, an AMPA device of user turns on power of an AMPA device and on the touch screen  441  display comprising: Electrical Text such as welcome to use AMPA  442  and signature  443 ; and “Send” key  445  and “Cancel” key  446 . Second, An AMPA device of user sign signature identity with stylus in place  444  and touches “Send” key  445  to transmit sign message with signature identity appending to AMPA identity to security service system  448  over wireless network  447 , if an AMPA device of user satisfy sign signature. If an AMPA device of user did not satisfy sign signature, then she/he touches “Cancel” key  446  to delete signed signature in place  444 . 
         [0253]    A determination device as a part of security service system  448  identifies whether sign message from an AMPA device of user is valid. If identifying this signature is valid, security service system  448  responds approving message to AMPA device of user over wireless network  449 . Third, An AMPA device of user receives approving message from security service system and touches screen  450  of an AMPA device of user display Electrical Text such as “welcome to use AMPA  451 ” and “Under Security Service System” text  452  and “Enter” key  453 . Fourth, An AMPA device of user touches “Enter” key  453  on touch screen  450  to display Electrical Text such as “welcome to use AMPA and Under Security service system”  455  and “Personal Account File” key  456  diagram on touch screen  454 . Now an AMPA device of user can access into personal account file in AMPA device with stylus touching “personal account file” key  456  on touch screen  454  of an AMPA device of user. If an AMPA device of user receives try-again message (no illustration) from security service system, then she/he must resign signature for identifying from security service system. If an AMPA device of user receives deny message (no illustration) from security service system, then, she/he must go to register AMPA device service to solution problem. 
         [0254]      FIG. 9B : Pervious present inventions mention that there is provided a security service system to provide special service that identify whether message is valid in  FIG. 8C . In this present invention, security service system utilizes sub-procedure  FIG. 8C  “Identify Message Process” to identify whether a sign message from an AMPA device of user is valid. Only valid sign is allowed that an AMPA device of user can access into Personal Account File  120  in  FIG. 4A  in memory of an AMPA device of user  460 . 
         [0255]    It is defense potential ID-theft attack risks that ID-theft stolen or pick up an AMPA device to purchases goods/service under victim blinding. It is defense potential ID-theft attack risks that ID-theft stolen personal account information from an AMPA device under victim blinding. It is defense potential ID-theft attack risks that ID-theft transmits forge message to service system with an AMPA device under victim blinding. 
         [0256]    An AMPA device of user signs a signature with stylus on touch screen and transmits sign message including AMPA identity and signature identity to security service system  461 . A determination device as a part of security service system receives sign message from an AMPA device of user and identifies whether this sign message is valid  462 . A determination device as a part of security service system uses sign message instead of message in  FIG. 8C  to process step  416  processing sub-procedure “Identify Message process” to identify whether sign Message is valid. If a determination device as a part of security service system processes sub-procedure of  FIG. 8C  going to step  421  in  8 C:END_ 1 , then, a valid sign is issued from a determination device as a part of security service system to an AMPA device of user  463 . Now, an AMPA device of user can access into Personal Account File  120  in  FIG. 4A  to search history of account information or use AMPA device for purchasing transaction with merchant  464  and end  465 . If a determination device as a part of security service system processes sub-procedure of  FIG. 8C  going to step  427  in  8 C:END_ 2 , then, an invalid sign is issued from a determination device as a part of security service system to an AMPA device of user  466 . An AMPA device of user must go to register AMPA device service to solution problem about AMPA device  467  and ends  468 . If a determination device as a part of security service system processes procedure of  FIG. 8C  going to step  425  in  8 C:END_ 3 , then, a resign signature is issued from security service system to an AMPA device of user  469 . An AMPA device of user receives resign issued from security service system and going back to step  460  to reprocess procedure  FIG. 9B  again. 
         [0257]      FIG. 10A : in  FIG. 7A  and  FIG. 7B , present invention illustration that customer obtains registered AMPA device from register AMPA device service and becomes an AMPA device of user. In this prevent invention there is provided payee&#39;s bank service system to provide a special service in providing credit card identity to an AMPA device of user for purchase goods/service with an AMPA device and security service system assure that a applier who uses registered AMPA device and also her/his name&#39;s is not in black list database  471 . 
         [0258]    It is defense potential ID-theft attack risks that ID-theft stolen or pick up an AMPA device to apply credit card identity under victim blinding. It is defense potential ID-theft attack risks that ID-theft stolen personal information to apply credit card identity under victim blinding. 
         [0259]    After User becomes authority the use registered AMPA device and utilizes telephone or letter to provide personal information, AMPA identity and AMPA IP address to payee&#39;s bank service system for application credit card identity  472 . Payee&#39;s Banker utilizes payee&#39;s bank service system transmits application message with personal information appending AMPA identity to security service system over wired network  473 . A determination device as a part of security service system scans AMPA identity database of system correspond to personal information database of system to identify whether AMPA identity is registered  474 . If a determination device as a part of Security service system identifies that the AMPA device is registered, then a determination device as a part of Security service system  478  issues a valid AMPA identity. And a determination device as a part of security service system continues processes procedure  FIG. 10B  goes to step  481  to identify whether applier name is in black list database of security service system and ends  479 . If a determination device as a part of Security service system identifies that the AMPA device is not registered then, an invalided application message is transmitted from security service system to payee&#39;s bank service system over wired network  475 . After payee&#39;s bank service system receives an invalided application message from the security service system, a refusing application message is transmitted by payee&#39;s bank service system to an AMPA device of user who is applier over wireless network  476  and  477 . 
         [0260]      FIG. 10B : continue reference present invention in  FIG. 10A , a determination device as a part of security service system scans black list database to check whether applier&#39;s name is valid, only valid name approve for application credit card identity  481 . 
         [0261]    A determination device as part of security service system identifies application message in order to black list database  482 . A determination device as part of security service system verifies whether applier&#39;s name is in black list database  483 . If a determination device as part of security service system verifies that applier&#39;s name is not in black list, then, security service system stores IP address of payee&#39;s bank service system in personal information database and transmits valid application message to payee&#39;s bank service system over wired network  487 . After payee&#39;s bank service system receives valid application information from security service system, payee&#39;s bank service system determines unique credit card identity from its credit card identity database of system  488 . Unique credit card identity appending expire date is transmitted from payee&#39;s bank service system to an AMPA device of user who is applier over wireless network  489 . Credit card identity information includes payee&#39;s bank information such as credit card identity expire date, payee&#39;s bank telephone, and payee&#39;s bank name, payee&#39;s bank website etc are stored in Credit Card Identity File  127  in  FIG. 4A  in memory of AMPA device  490  and ends  491 . If a determination device as part of security service system verifies that applier&#39;s name is in black list database, then, an invalided application message is transmitted from security service system to payee&#39;s bank service system over wired network  484 . After payee&#39;s bank service system receives an invalided application message from the security service system, a refusing application message is transmitted by payee&#39;s bank service system to an AMPA device of user who is applier over wireless network  485 . After an AMPA device received refuse message from payee&#39;s bank service system, she/he must go to register AMPA device service for solution problem  486  and  492 . 
         [0262]      FIG. 10C : Present invention there is provided a credit card identity database including black list database in payee&#39;s bank service system to identify whether credit card identity is valid. A user who has authority the use registered AMPA device uses only valid credit card identity to purchase goods/service  493 . 
         [0263]    It is defense potential ID-theft attack risks that ID-theft utilizes alert credit card identity such as credit card identity in black list is temporally suspended by security service system to purchase goods/service under merchant blinding. It is defense potential ID-theft attack risks that ID-theft utilizes unqualified credit card identity such as no application or expire credit card identity to purchase goods/service under merchant blinding. It is defense potential ID-theft attack risks that ID-theft stolen credit card identity to purchase transaction with merchant under victim blinding. 
         [0264]    Initial, an AMPA device of user provides credit card identity information to business service system. And Business service system receives credit card identity information from an AMPA device of user and retransmits credit card identity information of an AMPA device of user to payee&#39;s bank service system to identify whether credit card identity is valid  494 . A determination device as a part of payee&#39;s bank service system scans black list database to check whether this credit card identity is in black list database  495 . If a determination device as a part of payee&#39;s bank service system discovers credit card identity in black list, then, invalid credit card identity is issued from payee&#39;s bank service system  498  and goes to step  499  in  10 C:END_ 2 . If a determination device as a part of payee&#39;s bank service system undiscovered credit card identity in black list, then continuing to second step to scans its credit card identity database to check whether this credit card identity is in credit card identity database  496 . If a determination device as a part of payee&#39;s bank service system verifies that credit card identity is not in credit card identity database, then, invalid credit card identity is issued from payee&#39;s bank service system  498  and goes to step  499  in  10 C:END_ 2 . If a determination device as a part of payee&#39;s bank service system verifies that credit card identity is in credit card identity database, then continuing third step to scan its personal information database according to corresponding credit card identity to identify whether the personal information is matched  497 . 
         [0265]    If a determination device as a part of payee&#39;s bank service system identifies that received personal information from business service system is not matched with recorded personal information in system database corresponding to credit card identity information database, then invalid credit card identity is issued from payee&#39;s bank service system  498  and goes to step  499  in  10 C:END_ 2 . If a determination device as a part of payee&#39;s bank service system identifies that received personal information from business service system is matched with recorded personal information in system database corresponding to credit card identity information database, then a valid credit card identity is issued from payee&#39;s bank service system  500  and goes step  501  in  10 C:END_ 1 . 
         [0266]      FIG. 10D : in  FIG. 7A  and  FIG. 7B , present invention illustration that a user obtains registered AMPA device from register AMPA device service and becomes an AMPA device of user. In this prevent invention there is provided a payer&#39;s bank service system to provide a special service in providing personal bank account to an AMPA device of user for payment or withdrawal from Changing ATM machine and security service system assure that a applier is an authority user having the use registered AMPA device and applier&#39;s name is not in black list  502 . 
         [0267]    It is defense potential ID-theft attack risks that ID-theft stolen or pick up an AMPA device to apply bank account under victim blinding. It is defense potential ID-theft attack risks that ID-theft stolen personal information to apply bank account under victim blinding. 
         [0268]    After customer has authority the use a registered an AMPA device, she/he goes to office of Bank Company that utilizes payer&#39;s bank service system. And applier utilizes her/his AMPA device to connect with compute of payer&#39;s bank service system via cable between host interface of AMPA device and host interface of computer of payer&#39;s bank service system. And applier transmits personal information appending AMPA identity, signature and IP address of security service system to computer of payer&#39;s bank service system for opening a personal bank account  503 . Payer&#39;s bank service system transmits account message with personal information appending AMPA identity, applier&#39;s signature to security service system over wired network  504 . A determination device as part of security service system receives account message from Payer&#39;s bank service system and verifies whether account message is valid  505 . A determination device as part of security service system uses account message instead of message in  FIG. 8C  process to step  416  processing sub-procedure “Identify Message process” to identify whether account Message is valid. If A determination device as part of security service system processes sub-procedure of  FIG. 8C  going to step  421  in  8 C: END_ 1 , then, a valid application is issued from a determination device as part of security service system. A determination device as part of security service system continues to go to step  515  process procedure  FIG. 10E  to verify whether applier&#39;s name is in black list and ends  507 . 
         [0269]    If A determination device as part of security service system processes sub-procedure of  FIG. 8C  going to step  427  in  8 C:END_ 2 , then, an invalid application is issued from a determination device as part of security service system to payer&#39;s bank service system over wired network  508 . Payer&#39;s bank service system receives invalid application from a determination device as part of security service system and goes to step  525  process procedures  FIG. 10F  to refuse application account for an AMPA device of user and end  509 . If a determination device as part of security service system processes sub-procedure of  FIG. 8C  going step  425  in  8 C:END_ 3 , then, a resign signature is issued from a determination device as part of security service system to payer&#39;s bank service system over wired network  510 . After Applier resigns signature identity on application account information  511 , then payers&#39; bank service system process procedure in  FIG. 10D  at step  504  again. 
         [0270]      FIG. 10E : continuing reference present invention in  FIG. 10D , a determination device as part of security service system verifies a valid application for an authorized user who uses a registered AMPA device. However, a determination device as part of security service system needs to verify whether this applier is in black list. Only applier who is not in black list can obtain account service in Defense ID-theft attack security service system  515 . 
         [0271]    A determination device as part of security service system identifies whether application is valid according to black list database  516 . A determination device as part of security service system continues to verify whether applier&#39;s name is in black list database  517 . If a determination device as part of security service system undiscovered applier&#39;s name in black list, then, security service system stores IP address of payer&#39;s bank service system in personal information database and valid application message is transmitted from security service system to payer&#39;s bank service system over wired network  521 . Payer&#39;s bank service system stores personal account information including personal information, an AMPA device Identity and an AMPA device of IP address and IP address of security service system in personal account database and transmits personal account information to an AMPA device of user who is applier  522 . Payer&#39;s bank account information includes Payer&#39;s bank account number, payer&#39;s bank name, payer&#39;s bank telephone number, payer&#39;s bank IP address and payer&#39;s bank website, etc through host interface of computer via cable into host interface of an AMPA device of user who is applier and Payer&#39;s bank account information is stored in Personal Bank Account File  139  in  FIG. 4A  in memory of an AMPA device  523  and end  524 . If a determination device as part of security service system discoveries applier&#39; name in black list database, then, an invalid application is issued from a determination device as part of security service system to payer&#39;s bank service system over wired network  518 . Payer&#39;s bank service system receives invalid application from security service system and goes to step  525  process procedures  FIG. 10F  to refuse application account for an AMPA device of user and end  520 . 
         [0272]      FIG. 10F : continuing reference present invention in  FIG. 10D  and  FIG. 10E . In this present invention process procedure  FIG. 10F : payer&#39;s bank refuses application account for an AMPA device of user who is applier  525 . An invalid application is issued from a determination device as part of security service system to payer&#39;s bank service system over wired network  526 . Payer&#39;s bank service system receives invalid application information from security service system and refuses offering bank account to an AMPA device of user  527 . An AMPA device of user must go to register AMPA device service to solution problem  528  and end  529 . 
         [0273]      FIG. 11A : Present invention there is provided an AMPA device to person who can use an AMPA device to purchasing transaction with merchant unlimited location  535 . 
         [0274]    An AMPA device of user communicates with businesses service system with either wired communication or wireless communication. Wired communication is mean that an embodiment of host interface of an AMPA device connects with host interface of computer or machine in businesses service system with a cable. And an AMPA device of user provides credit card information to businesses service system over wired communication. Or provides personal account information to payer&#39;s bank service system for withdrawal money from ATM machine over wired communication. 
         [0275]    It is defense potential ID-theft attack risks that ID-theft utilizes publican machine such as credit card machine, tradition Gas Machine and tradition ATM machine with stolen credit card identity or personal bank account etc to purchase goods/service under victim blinding. In other words, even if ID-theft stolen credit card identity, personal information, passwords or personal bank account etc., however, ID-theft cannot purchase goods/service without an AMPA device. 
         [0276]    Wireless communication is meaning that an AMPA device provides credit card information to business service system online or by telephone. Purchasing goods/service is made by an AMPA device  536  of user  532  using business service system such as Changing Gas Machine  548 , computer at shop  544 , online with computer  533 , by telephone  534  and Changing ATM machine  541  etc., and merchant uses businesses service system offer goods/service. An AMPA device  536  of user  532  provides credit card information to the business service system for purchasing goods/service over wired communication illustration as following: At shop, businesses service system provides computer  544  to merchant  530  for offering goods/service to customer who is an AMPA device  536  of user  532 . An AMPA device  536  of user  532  transmits credit card identity information from host interface  537  via cable  545  to host interface  531  of computer  544  of business service system  535 . 
         [0277]    At Gas Station, businesses service system  535  provides Changing Gas Machine  548 . The Changing Gas Machine  548  compares with tradition Gas Machine comprising: adding host interface  546  and display  547  and also eliminating credit card input and output of receipt (no illustration) in tradition Gas Machine. An AMPA device  536  of user  532  transmits credit card identity information from host interface  537  via cable  538  to host interface  546  of Changing Gas Machine  548 . Display  547  show amount of gas and price. An AMPA device  536  of user  532  provides credit card information to business service system  535  for purchasing gas over wireless communication at Gas Station with Gas Machine  548 . At Changing ATM, payer&#39;s bank service system provides Changing ATM Machine  541 . The Changing ATM machine  541  compares with tradition ATM Machine (no illustration) comprising: adding host interface  540 , output  543  and display  542  and also eliminating credit card input and keyboard (no illustration) in tradition ATM Machine. An AMPA device  536  of user  532  transmits Electrical WithDrawal from host interface  537  via cable  539  to host interface  540  of Changing ATM Machine  541  of payer&#39;s bank service system  535 . An AMPA device  536  of user  532  provides personal bank account information to payer&#39;s bank service system for withdrawal money from Changing ATM machine  541  over wired communication at ATM machine service. 
         [0278]    And also an AMPA device  536  of user  532  utilizes computer  533  online or by telephone  534  to provide credit card identity information to business service system  535  for purchasing goods/service with merchant over wireless communication. 
         [0279]      FIG. 11B : continue reference present invention in  FIG. 11A  illustration that an AMPA device of user can use an AMPA device for purchasing goods/service anywhere. And an AMPA device of user transmits credit card information to business service system over wired communication. And also there is provided payee&#39;s bank service system to verify whether credit card information of an AMPA device of user from businesses service system is valid. Only valid credit card information is allowed to purchase transaction with merchant. In this present invention process procedure in  FIG. 11B  that an AMPA device of user transmits credit card information to business service system over wired communication  550 . 
         [0280]    It is defense potential ID-theft attack risks that ID-theft utilizes forge credit card information such as time expire or unqualified credit card identity to purchase transaction with merchant in shop or Gas station etc. It is defense potential ID-theft attack risks that ID-theft utilizes stolen credit card information to purchase transaction with merchant in shop or Gas station etc under victim blinding. 
         [0281]    An AMPA device of user uses a host interface of AMPA device to connect a host interface of computer of business service system via cable  551 . An AMPA device of user transmits credit card information to computer of business service system over wired communication  552 . Business service system retransmits credit card information of an AMPA device of user to payee&#39;s bank service system in order to credit card information over wired network  553 . A determination device as part of Payee&#39;s bank service system receives credit card information of an AMPA device of user from businesses service system and process sub-procedures  493  in  FIG. 10C  to identify whether Credit Card Information is valid. If a determination device as part of Payee&#39;s bank service system processing sub-procedure of  FIG. 10C  goes to step  501  in  10 C: END_ 1 , then, A determination device as part of payee&#39;s bank service system issues valid credit card information to business service system  554 . After business service system receives valid credit card information from payee&#39;s bank service system, Business service system begins to scan purchasing goods data into computer of business service system. Finally, the merchant obtains receipt charges for a customer who purchases goods/service with an AMPA device  555 . Business service system stores receipt data in its receipt database and transmits this receipt data to payee&#39;s bank service system  556 . After a determination device as part of Payee&#39;s bank service system receives receipt data from business service system and retransmits receipt information to an AMPA device of user. An AMPA device of user receives receipt information from payee&#39;s bank service system to process step  590  in  FIG. 12B  to respond receipt information and ends  557 . If a determination device as part of Payee&#39;s bank service system processing sub-procedure of  FIG. 10C  goes to step  499  in  10 C:END_ 2 , then, payee&#39;s bank service system responds invalid credit card information to business service system  558 . After business service system receives invalid credit card information from payee&#39;s bank service system to check how many time (T) the customer fail for identifying credit card identity process  559 . Initial T=0, if T=T+1&lt;3. Then the business service system let an AMPA device of user try again and go back processing step  550 . Otherwise, if T=T+1&gt;3, the business service system pertinent purchasing transaction with an AMPA device of user is fail  560  and end  561 . 
         [0282]      FIG. 11C : continue reference present invention in  FIG. 11A  illustration that an AMPA device of user can use an AMPA device for purchasing goods/service anywhere. And an AMPA device of user transmits credit card information to business service system over wireless communication. In this present invention there is provided payee&#39;s bank service system to verify whether credit card information of an AMPA device of user from business service system is valid. Only valid credit card information is allowed to purchase purchasing transaction with merchant  565 . 
         [0283]    It is defense potential ID-theft attack risks that ID-theft utilizes stolen credit card identity information including personal information to purchase transaction with merchant online/by telephone etc under victim blinding. It is defense potential ID-theft attack risks that ID-theft utilizes forge credit card identity information such as time expire or unqualified credit card identity to purchase transaction with merchant online/by telephone etc. 
         [0284]    An AMPA device of user can use telephone in office or at home to provide personal information including credit card identity information for purchasing goods/service from business service system  566 . Credit card information and purchasing goods information of an AMPA device of user are stored in receipt database of system of business service system  567 . Business service system retransmits Credit Card Information with receipt information of an AMPA device of user to payee&#39;s bank service system in order to the credit card identity information  568 . After a determination device as part of Payee&#39;s bank service system receives Credit Card Information with receipt information of an AMPA device of user from business service system, A determination device as part of Payee&#39;s bank service system uses Credit Card Identity information to process procedure in  FIG. 10C  goes to step  493  process sub-procedures to identify whether Credit Card Information is valid. If a determination device as part of Payee&#39;s bank service system processing sub-procedure of  FIG. 10C  goes to step  501  in  10 C:END_ 1 , then, a determination device as part of Payee&#39;s bank service system transmits valid credit card information with receipt data to an AMPA device of user who purchased goods online or telephone  569 . An AMPA device of user receives receipt information from payee&#39;s bank service system to process step  590  in  FIG. 12B  to respond receipt information and ends  570 . 
         [0285]    If a determination device as part of Payee&#39;s bank service system processing sub-procedure of  FIG. 10C  goes to step  499  in  10 C:END_ 2 , then, a determination device as part of Payee&#39;s bank service system issues invalid credit card information. Invalid credit card identity information is transmitted by payee&#39;s bank service system in order to receipt information to business service system and an AMPA device of user  572 . Business service system receives invalid receipt information from payee&#39;s bank service system and deletes receipt data in database of system  573  and end  574 . 
         [0286]    An AMPA device of user receives invalid receipt information from payee&#39;s bank service system to consider whether she/he chooses another credit card information to purchase goods/service again  575 . If she/he would like to purchase goods again to go to back step  565  trying again. Otherwise, an AMPA device of user pertinent purchasing transaction is fail end  576 . 
         [0287]      FIG. 12A : continuing reference present invention in  FIG. 11B  and  FIG. 11C  payee&#39;s bank service system receives receipt data from business service system and retransmits receipt data to an AMPA device of user who is purchasing goods/service with merchant. And in this present invention diagram in  FIG. 12A , an AMPA device of user receives receipt from payee&#39;s bank service system and respond receipt issued to payee&#39;s bank service system over wireless network; and also transmit responds receipt information to security service system over wireless network. Payee&#39;s Bank service system  582  receives receipt data from business service system  580  over wired network  581  and then retransmits receipt data to an AMPA device  584  of user over wireless network  583 . An AMPA device  584  of user verifies whether this receipt data is valid according to really purchasing goods/service events and responds receipt message to payee&#39;s bank service system  582  over wireless network  585  and also transmits responding receipt message to security service system  587  over wireless network  586 . 
         [0288]      FIG. 12B : continuing reference present invention in  FIG. 11B  and  FIG. 11C  payee&#39;s bank service system receives receipt from business service system and retransmits receipt data to an AMPA device of user who is purchasing goods/service with merchant. And in this present invention process procedure in  FIG. 12B , there is provided an AMPA device to provide special service that an AMPA device of user identifies whether receipt from payee&#39;s bank service system is valid according to really purchasing goods/service events and respond receipt issued to payee&#39;s bank service system and also transmits receipt to security service system  590 . 
         [0289]    An AMPA of user responds receipt message from payee&#39;s bank service system having some probabilities in responds according to really purchasing goods/service events: A) An AMPA device of user confirmed receipt from payee&#39;s bank service system is valid because it is true that she/he purchased transaction with merchant. B) An AMPA device of user denied receipt from payee&#39;s bank service system because the receipt data is not correct such as ID-theft accesses into computer of payee&#39;s bank service system to change receipt data under victim blinding. C) An AMPA device of user denied receipt from payee&#39;s bank service system because the receipt data is invalid such as ID-theft stolen an AMPA device of user&#39;s personal information purchased transaction with merchant under victim blinding. D) An AMPA device of user cancels this receipt because she/he cancelled purchasing transaction with merchant and she/he did not take or had returned purchasing goods/service to merchant. E) An AMPA device of user no respond in receipt issued from payee&#39;s bank service system such as an AMPA device could not receive signal or out off batter of an AMPA device etc. 
         [0290]    Payee&#39;s Bank service system obtains AMPA IP address according to AMPA Identity on the receipt data and payee&#39;s bank service system transmits receipt to an AMPA device of user in order to AMPA IP address over wireless network  591 . An AMPA device of user receives receipt message from payee&#39;s bank service system to verify whether this receipt is valid  592 . If an AMPA device of user verifies this receipt is valid and goes to step  595  consider whether this receipt is confirmed or cancelled. If this receipt is confirmed, then an AMPA device of user responds confirmed receipt message to payee&#39;s bank service system and transmits confirmed receipt message to security service system  596 . A receipt database of payee&#39;s bank service system stores confirmed receipt data from an AMPA device of user to instead of receipt data from business service system and retransmit confirmed receipt data from an AMPA device of user to insures service system in order to AMPA identity  599  and end  600 . A receipt database of security service system stores confirmed receipt data  597  and goes to step  605  to process procedure  FIG. 12C  to identify whether confirmed receipt message from an AMPA device of user is valid and ends  598 . However, if this receipt is cancelled, then an AMPA device of user responds cancelled receipt message to payee&#39;s bank service system  601 . If an AMPA device of user verifies this receipt is invalid and transmits denied receipt message to payee&#39;s bank service system  601 . Payee&#39;s bank service system receives cancelled/denied receipt message from an AMPA device of user to delete receipt data in receipt database of system and retransmits cancelled/denied receipt message to business service system  602 . Business service system receives cancelled/denied receipt message from payee&#39;s bank service system and goes to step  625  process procedures  FIG. 12D  to identify whether cancelled/denied receipt message is true and end  603 . If an AMPA device of user did not respond receipt message issued from payee&#39;s bank service system during time out, then, payee&#39;s bank service system transmits receipt message to security service system  593 . Security service system receives receipt message from payee&#39;s bank service system goes to step  635  process procedures  FIG. 12E  to deal with no responding process and ends  594 . 
         [0291]      FIG. 12C : Continuing reference present invention in  FIG. 12B  security service system receives confirmed receipt message from an AMPA device of user. In this present invention there is provided a security service system to provide a special service to utilize sub-procedure in  FIG. 8C : “Identify Message process” identifying whether this confirmed receipt message is valid. Only valid confirmed receipt is transmitted to business service system and insures service system separately  605 . 
         [0292]    It is defense potential ID-theft attack risks that ID-theft stolen an AMPA device and transmits confirmed receipt under victim blinding. It is defense potential ID-theft attack risks that ID-theft transmits confirmed receipt with forge signature under victim blinding. 
         [0293]    Previous present invention mention in  FIG. 12B  step  597 , system database of security service system stores confirmed receipt message from an AMPA device of user and a determination device as part of security service system identifies whether this confirmed receipt message is valid  606 . 
         [0294]    A determination device as part of security service system uses confirmed receipt message instead of message in  FIG. 8C  process step  416  sub-procedure “Identify Message process” to identify whether Message is valid. If A determination device as part of security service system processing sub-procedure of  FIG. 8C  goes to step  421  in  8 C: END_ 1 , then, a valid confirmed receipt is stored in receipt database of security service system and security service system transmits a valid confirmed receipt to insures service system and business service system separately  607 . A valid confirmed receipt data is stored in receipt database of business service system to prove that this purchasing transaction with an AMPA of user is successfully and the payment will be obtained from insures service system in order to this valid confirmed receipt data  608  and end  609 . A valid confirmed receipt data is stored in receipt database of insures service system  610  and ends  612 . If A determination device as part of security service system processing sub-procedure of  FIG. 8C  goes to step  427  in  8 C: END_ 2 , then, an invalid confirmed receipt is issued from security service system to an AMPA device of user, payee&#39;s bank service system and business service system. And security service system put an AMPA device of user&#39;s name into black list in black list database of security service system  613 . Business service system receives invalid confirmed receipt message and cancelled purchasing transaction with an AMPA device of user and deletes receipt data from receipt database of system  614  and ends  615 . Payee&#39;s bank service system receives invalid confirmed receipt message and deletes receipt data from receipt database  616  and ends  617 . An AMPA device of user receives invalid confirmed receipt message and must go to register AMPA service for solution problem  618  and ends  619 . If A determination device as part of security service system processing procedure of  FIG. 8C  goes to step  425  in  8 C:END_ 3 , then, a resign confirmed receipt is issued from security service system to an AMPA device of user  620 . An AMPA device of user goes to step  590  re-process procedure  FIG. 12B  to respond receipt to service system again and ends  621 . 
         [0295]      FIG. 12D : Continuing reference present invention in  FIG. 12B  step  602  business service system receives denied/cancelled receipt message from payee&#39;s bank service system  625 . 
         [0296]    In this present invention there is provided a business service system to provide special service to check whether denied/cancelled receipt data from an AMPA device of user is true. Only truly denied/cancelled information is accepted by business service system  626 . 
         [0297]    It is defense potential dishonest person attack risks that person uses an AMPA device with credit card identity to purchase transaction with merchant, however, responded forge receipt message to third service system. 
         [0298]    If merchant receives returned purchasing goods/service from an AMPA of user, then, this cancelled is true. The merchant cancels purchasing transaction with an AMPA device of user and deletes receipt data in its receipt database  627  and ends  628 . If an AMPA of user did not purchased transaction with merchant, then, this denied is true. The merchant cancels purchasing transaction with an AMPA device of user and deletes receipt data in its receipt database  627  and ends  628 . If merchant provides evidence that an AMPA of user purchased goods/then, this cancels is not true. Then, A complaining message appending evidence is issued from business service system to security service system  629 . Security service system stores complain message in business complain database to investigate whether this evidence is true  630 . If this evidence show that an AMPA device of user purchased goods/service from merchant, then, this evidence is true. The security service system put this AMPA device of user&#39;s name into black list in black list database of system  631 . And security service system will deal with black list in order to step  430  process procedure  FIG. 8D  and ends  643 . 
         [0299]    If this evidence could not show that an AMPA device of user purchased goods/service, then, this evidence is invalid. An invalid evidence message is issued from security service system to business service system  632 . Business service system cancels purchasing transaction with an AMPA device of user and deletes receipt data from its receipt database  633  and ends  634 . 
         [0300]      FIG. 12E : continuing reference present invention step  593  in  FIG. 12B  an AMPA device of user did not respond to receipt message issued from payee&#39;s bank service system. In this present invention, there is provided a security service system to deal with no respond receipt from an AMPA device of user problem  635 . 
         [0301]    It is defense potential ID-theft attack risks that ID-theft stolen an AMPA device to purchase goods/service under victim blinding. It is defense potential dishonest person attack risks that dishonest person purchased goods/service, however, she/he did not want to make payment to payee&#39;s bank. 
         [0302]    First, payee&#39;s bank service system transmits receipt message with a Timeout (T) to an AMPA device of user  636 . If payee&#39;s bank service system does not receive any responding information from an AMPA device of user, and then it checks the Timeout T  637 . If T&lt;Timeout and no respond information, then payee&#39;s bank service system back to step  635  in  FIG. 12E  process procedure again. 
         [0303]    If T&gt;Timeout and no responding, then payee&#39;s bank service system transmits receipt message to security service system  638 . If T&lt;Timeout, an AMPA device of user receives receipt information and decides to respond receipt message, then, an AMPA device of user goes to step  590  process procedure in  FIG. 12B  and ends  642 . Security service system sends alert message appending receipt data with time out T to an AMPA device of user. If security service system does not receive any responding information from an AMPA device of user, and then it checks the Timeout T  639 . 
         [0304]    If T&lt;Timeout and no respond, then, security service system back to step  639  in  FIG. 12E  process procedure again. If T&gt;Timeout and no respond, then security service system put an AMPA device of user&#39;s name into black list in black list database  640 . And security service system will deal with black list in order to step  430 —process procedure  FIG. 8D  and ends  641 . If T&lt;Timeout, an AMPA device of user receives receipt information and decides to respond receipt message, then, an AMPA device of user goes to step  590  process procedure in  FIG. 12B  and ends  642 . 
         [0305]      FIG. 12F : Continuing reference present inventions  599  in  FIGS. 12B and 610  in  FIG. 12C , insures service system receives confirmed receipt data from security service system and payee&#39;s bank service system. In this present invention there is provided a determination device as part of insures service system to verify whether confirmed receipt data from security service system is matched with confirmed receipt data from payee&#39;s bank service system. Only matched confirmed receipt data is allowed to use for payment process  645 . 
         [0306]    It is defense potential ID-theft attack risks that ID-theft utilizes technology to access payee&#39;s bank service system or security service system to change confirmed receipt data under victim blinding. 
         [0307]    A determination of device as a part of insures service system verifies whether confirmed receipt data from security service system is matched with confirmed receipt data from payee&#39;s bank service system  647 . If a determination of device as a part of insures service system verifies that confirmed receipt data is matched, then a system database stores confirmed receipt data in receipt database of insures service system  648 . Insures service system is going to step  685  to process procedure  FIG. 13B  to make payment to merchant in order to confirmed receipt data in receipt database and end  649 . If a determination of device as a part of insures service system verifies that confirmed receipt data is not matched, then a complain message appending invalid confirmed receipt data is transmitted by insures service system to security service system  650 . Security service system goes to step  655  process procedure in  FIG. 12G  to deal with complain message appending to invalid confirmed receipt from insures service system and end  651 . 
         [0308]      FIG. 12G : continuing reference present invention procedure in  FIG. 12F  security service system receives complain message appending to invalid confirmed receipt data from insures service system. In this present invention there is provided a security service system to verify error in confirmed receipt data is made by payee&#39;s bank service system or security service system in order to receipt database of security service system  655 . 
         [0309]    Security service system receives complain message appending to an invalid confirmed receipt data from insures service system  656 . A determination device of security service system verified whether invalid confirmed receipt data is matched with confirmed receipt data in receipt database  657 . If a determination device of security service system verifies that confirmed receipt data is matched, mean that error in confirmed receipt data is made by payee&#39;s bank service system. In other words, payee&#39;s bank service system made mistaken. So that security service system utilizes confirmed receipt data from receipt database to be valid confirmed receipt data and retransmits them to payee&#39;s bank service system and insures service system  658 . Payee&#39;s bank service system stores valid confirmed receipt data from security service system to instead of receipt data in receipt database and retransmits receipt data to insures service system  659  and end  660 . Insures service system stores valid confirmed receipt data to instead of receipt data in receipt database from security service system and goes to step  645  process procedures  FIG. 12F  to identify confirmed receipt again and end  666 . If a determination device of security service system verifies confirmed receipt data is not matched, mean that error in confirmed receipt data is made by security service system. In other words, security service system made mistaken. So that security service system utilizes confirmed receipt data from payee&#39;s bank service system to be valid confirmed receipt data. And transmits them to insures service system and business service system  662 . Insures service system stores valid confirmed receipt data to instead of receipt data in receipt database and goes to step  645  process procedures  FIG. 12F  to identify confirmed receipt again and end  666 . Business service system stores valid confirmed receipt data to instead of receipt data in receipt database  664  and end  665   
         [0310]      FIG. 13A : Continuing reference present invention in  FIG. 12F , valid confirmed receipt is stored in receipt database of insures service system. In this present invention diagram illustration  FIG. 13A  merchant obtain payment process. 
         [0311]    After payee&#39;s bank service system  678  and security service system  674  receives respond message with confirmed receipt data from an AMPA of user (no illustration) separately. 
         [0312]    Security service system  674  transmits valid confirmed receipt data to businesses service system  672  over wired network  675  and a system stores valid confirmed receipt data from the security service system  674  in receipt database of business service system  672 . Valid confirmed receipt data is transmitted from the security service system  674  to insures service system  670  over wired network  676  and also Payee&#39;s bank service system  678  transmits confirmed receipt data to insures service system  670  over wired network  679 . After insures service system  670  receives confirmed receipt data from payee&#39;s bank service system  678  and from security service system  674  separately, a determination device as part of insures service system  670  identifies whether confirmed receipt data is matched. Only matched confirmed receipt data is allowed to be valid confirmed receipt data that is stored in receipt database for payment processing. Insurant who uses insures service system  670  calculates payment in order to receipt database and merchant who uses business service system  672  will obtain payment from insurant who uses insures service system  670  over wired network  671 . 
         [0313]    A determination device as a part of business service system verifies whether payment is valid. Only valid payment is allowed to be stored in payment database of businesses service system. If invalid payment, then a complain message appending invalid payment information is transmitted by business service system  672  to the security service system  674  over wired network  673 . 
         [0314]      FIG. 13B : continuing reference present invention in  FIG. 12F  the business service system stores valid confirmed receipt data in receipt database and also insures service system stores valid confirmed receipt data in receipt database. In this present invention that insures service system offers AMPA device to user who use it to purchase goods/service with merchant. And merchant offers goods/service. Therefore, the insurant will obtain service fee from merchant and calculates service fee subtract from receipt fee of customer who uses AMPA device to purchase goods/service and also guarantee merchant who do business/service with customer obtaining payment from insurant  685 . 
         [0315]    Insures service system goes to step  645  process procedures  FIG. 12F  to obtain valid confirmed receipt data of an AMPA device of user. And valid confirmed receipt data is stored in receipt database of insures service system  686 . Since insurant provides an AMPA device to user who uses AMPA device purchasing transaction with merchant, then the merchant will pay service fee for each AMPA device of user who purchased transaction with this merchant  687 . An acquisition device as part of insures service system acquires payment to subtract service fee from receipt data in order to receipt database for a customer and then insurant deposits money to account of merchant. 
         [0316]    And the payment function illustration  688 : 
         [0000]      Payment (per customer)=receipt fee (per customer)−service fee (per customer) 
         [0317]    Insurant who utilizes insures service system makes payment to merchant who utilizes business service system offers goods/service every day  689 . A determination device as a part of businesses service system audits whether this payment is valid in order to receipt database of business service system  690 . If A determination device as a part of businesses service system audits invalid payment, then a complain message with invalid payment data is sent by business service system to security service system. And security service system goes to step  695  process procedure  FIG. 13C  to deal with merchant complain message and end  693 . If a determination device as a part of businesses service system audits valid payment, valid payment is stored in payment database of business service system  691  and ends  692 . 
         [0318]      FIG. 13C : Continuing reference present invention in  FIG. 13B  business service system transmits a complain message to security service system. 
         [0319]    In this present invention there is provided a security service system to provide a special service to deal with complain message issued from business service system and a determination device as a part of security service system identifies whether payment information from insures service system is valid  695 . 
         [0320]    It is defense potential ID-theft attack risk that ID-theft utilizes technology to access into insures service system and changes payment information under victim blinding. 
         [0321]    A determination device as a part of security service system receives complain message with payment information from business service system  696 . A determination device as part of security service system audits whether payment information from business service system is valid in order to receipt database of security service system  697 . First, an acquisition device as a part of security service system acquires payment data to subtract service fee from receipt data according to receipt database of security service system. Second, an acquisition device as a part of security service system compares acquiring payment data with payment data from businesses service system. If the acquiring payment data is matched with payment data from businesses service system, a valid payment message is transmitted to business service system  701 . Valid payment data is stored in payment database of business service system  702  and ends  703 . If the acquiring payment data is not matched with payment data from businesses service system, Security service system transmits invalid payment message with mistaking information to insures service system  698 . Insures service system must recalculate the payment in order to mistaking information in invalid payment message from security service system  699  and goes to back step  685  to process procedure in  FIG. 13B  to recalculate payment to merchant and ends  700 . 
         [0322]      FIG. 14A : pervious present invention mentions  FIG. 13A  diagram illustration that insurant makes payment to merchant every day. Moreover, due to purchase goods/service with credit card identity is made by an AMPA device of user, the payee&#39;s bank guarantees to assure that insurant obtains payment according to receipt database each month. In  FIG. 14A  present invention diagram illustration payee&#39;s bank makes payment to insurant each month. 
         [0323]    Payee&#39;s bank that utilizes payee&#39;s bank service system  714  calculates payments for an AMPA device of user who purchases goods/service with credit card identity in order to receipt database of payee&#39;s bank service system each month. And payee&#39;s bank that utilizes payee&#39;s bank service system  714  deposits payment to insurant who utilizes insures service system  710  over wired network  715 . If insurant who utilizes insures service system  710  did not satisfy payment from payee&#39;s bank who utilizes banks service system  714 , insures service system  710  transmits a complain message appending payment information to security service system  713  over wired network  712 . 
         [0324]      FIG. 14B : In previous present invention mention, Purchasing goods/service with credit card identity is made by customer using AMPA device; offering goods/service is made by merchant; offering AMPA device is made by insurant; And providing credit card identity is made by payee&#39;s banker. Insurant guarantees to make payment to merchant every day. In this present invention there is provided a payee&#39;s banker in a special service to calculate payment data and guarantee to make payment to insurant each month process in defense ID theft attack security service system  720 . 
         [0325]    An acquisition device as part of Payee&#39;s bank service system acquires payment to sum total receipt data of an AMPA device of user who purchases goods/service with credit card identity according to receipt database of system each month, then sum total receipt data in one month is stored in payment database of payee&#39;s bank service system. So that payee&#39;s banker makes payments to insurant according to payment database of payee&#39;s bank service system  721 . A determination device as a part of insures service system verifies whether payment is valid in order to receipt database of insures service system  722 . First, an acquisition device as a part of insures service system acquires payment to sum total receipt data of an AMPA device of user according to receipt database of system and total receipt data is stored in payment database each month. Second, a determination device as a part of insures service system compares received payment from payee&#39;s bank service system against with stored payment data in payment database of insures service system. 
         [0326]    If a determination device as a part of insures service system identifies that this is a valid payment from payee&#39;s bank service system, then payment data is stored in payment database of insures service system  723  and ends  724 . If a determination device as a part of insures service system identifies that this is a invalid payment from payee&#39;s bank service system, then, insures service system transmits a complain message appending to invalid payment information to security service system  725 . After security service system receives complain message from insures service system, it goes to step  730  to process procedure in  FIG. 14C  to deal with complain message from insures service system and ends  726 . 
         [0327]      FIG. 14C : continuing reference present invention in  FIG. 14B  insures service system transmits a complain message to security service system. In this present invention there is provided a security service system to provide a special service to deal with complain message issued from insures service system and a determination device as part of security service system identifies whether payment information from bank service system is valid  730 . 
         [0328]    It is defense potential ID-theft attack risks that ID-theft utilizes technology to access into payee&#39;s bank service system to change payment information under victim blinding. 
         [0329]    Security service system receives complain message appending to payment information from insures service system  731 . A determination device as a part of security service system verifies whether payment data from payee&#39;s bank service system is valid  732 . First, an acquisition device as a part of security service system acquires payment to sum total receipt data of an AMPA device of user according to receipt database of system and total receipt data is stored in payment database. Second, a determination device as a part of security service system compares received payment from insures service system against with stored payment data in payment database of security service system. 
         [0330]    If a determination device as a part of security service system identifies that this is an invalid payment, Security service system transmits an invalid payment appending to mistaken information to payee&#39;s bank service system  733 . Payee&#39;s bank service system must recalculate payment in order to message appending to mistaken information from security service system  734  and goes to step  720  process procedures  FIG. 14B  to recalculate payment data and makes payment to insurant and end  735 . If a determination device as a part of security service system identifies this is a valid payment, a valid payment message is transmitted to insures service system  736 . This valid payment is stored in payment database of insures service system  737  and ends  738 . 
         [0331]      FIG. 15A : continuing reference present invention in  FIG. 14A  diagram illustration insurant obtained payment from payee&#39;s banker. In this present invention  FIG. 15A  diagram illustration payee&#39;s banker obtains payment from customer who used an AMPA device with credit card identity to purchase transaction with merchant each month. 
         [0332]    Initial, payee&#39;s banker who uses payee&#39;s bank service system  740  calculates total current charges for a customer who uses AMPA device with credit card identity to purchase goods/service each month and then payee&#39;s bank service system  740  transmits statement including total current charges to an AMPA device  742  of user over wireless network  741 . After an AMPA device  742  of user receives statement including total current charges from payee&#39;s bank service system  740 , an Electrical Payment Check (EPC) is created and transmitted by an AMPA device  742  of user to payee&#39;s bank service system  740  over wireless network  743  if an AMPA device  742  of user satisfies statement from payee&#39;s bank service system. If an AMPA device  742  of user did not satisfy statement from payee&#39;s bank service system, a complain message appending to statement of payee&#39;s banker to security service system  745  over wireless network  744 . 
         [0333]      FIG. 15B : previous present invention mention that payee&#39;s banker made payment to insurant in  FIG. 14B , then, purchasing goods/service is made by an AMPA device of user using credit card identity, and payee&#39;s bank offers credit card to an AMPA device of user. In this present invention there is provided payee&#39;s bank service system to calculate total current charges of an AMPA device of user according to receipt database and transmits statement including total current charges to an AMPA of user and an AMPA device of user verifies whether total current charges from payee&#39;s bank service system is valid. And only valid total current charges are allowed to be payment data  746 . 
         [0334]    It is defense potential ID-theft attack risks that ID-theft utilizes technology to access into payee&#39;s bank service system to change statement under victim blinding. 
         [0335]    An acquisition device as part of payee&#39;s bank service system acquires total current charge to calculate Total current Charges (TcC) for an AMPA device of user in order to receipt database of payee&#39;s bank service system and transmits statement including TcC with credit card identity to an AMPA device of user  747  each month. An AMPA device of user receives statement including TcC information  748 . First, acquisition device as a part of an AMPA device acquires Total current Charges in order to  215  in  FIG. 4O  and stores total current charges data in Total Charges File  131  in  FIG. 4A  in memory of an AMPA device of user. Second, a determination device as a part of an AMPA device of user compares Total current Charge data from payee&#39;s bank service system against with Total current Charges in Total Charges File in memory to verify whether Total current Charge from payee&#39;s bank service system is valid  749 . If a determination device as a part of an AMPA device identifies that total current charges from payee&#39;s bank service system is valid, then, an AMPA device of user creates a digital represent image data of Electrical Payment Check (EPC) according to create EPC step  234  in  FIG. 4P . An AMPA device of user goes to step  765  process procedures in  FIG. 16A  and transmit EPC to third service systems and end  751 . If a determination device as a part of an AMPA device identifies that Total current Charges from payee&#39;s bank service system is invalid, then, an AMPA device of user transmits a complain message appending to TcC information to security service system  752 . And security service system goes to step  755  process procedure  FIG. 15C  to deal with complain message from an AMPA device of user and end  753 . 
         [0336]      FIG. 15C : continuing reference present invention in  FIG. 15B  that an AMPA device of user transmits a complain message to security service system. In this present invention there is provided a security service system to provide a special service to deal with complains message issued from an AMPA of user and a determination device as a part of security service system identifies whether TcC information from payee&#39;s bank service system is valid  755 . 
         [0337]    Security service system receives complain message appending to TcC information from an AMPA device of user  756 . An acquisition device as a part of security service system acquires Total current Charges (TcC) to sum amount of charges in order to receipt database of system. A determination device as part of security service system compares TcC information from an AMPA device of user against stored TcC data in system to identify whether TcC from an AMPA device of user is valid. 
         [0338]    If a determination device as a part of security service system identifies that this TcC from an AMPA device of user is invalid, then, an invalid TcC appending to mistaking information is transmitted to payee&#39;s bank service system  758 . Payee&#39;s Bank service system recalculates TcC in order to mistaking information from security service system  759 . Payee&#39;s Bank service system goes back to step  746  process procedure  FIG. 15B  to retransmit statement including TcC to an AMPA device of user and end  760 . If a determination device as a part of security service system identifies that this TcC from an AMPA device of user is valid, then, a valid TcC message is responded to an AMPA device of user  761 . An AMPA device of user creates an Electrical Payment Check (EPC)  762  according to create EPC step  234  in  FIG. 4P  and goes to step  765  process procedures  FIG. 16A  to transmit EPC to third service system for payment and end  763 . 
         [0339]      FIG. 16A : continuing reference present invention in  FIG. 15B  an AMPA device of user receives valid Total current Charges (TcC) and an AMPA device of user creates Electrical Payment Check (EPC) according to create EPC step  234  in  FIG. 4P  for payment. In this present invention there is provided an AMPA device of user transmits Electrical Payment Check to payee&#39;s bank service system, security service system and payer&#39;s bank service system  765 . 
         [0340]    It is defense potential ID-theft attack risks that ID-theft utilizes stolen an AMPA device to transmit forge EPC to payee&#39;s bank service system under victim blinding. 
         [0341]    An AMPA device of user utilizes software program to create EPC in order to step  234  in  FIG. 4P . A digital represent image data of EPC is transmitted from an AMPA device of user to security service system, payer&#39;s bank service system and payee&#39;s bank service system  766  separately. Security service system stores EPC in receipt database of system  767  and goes to step  775  process procedures  FIG. 16B  to identify whether EPC is valid and end  768 . Payee&#39;s bank service system stores EPC in payment database of system  769 . Payee&#39;s bank service system retransmits EPC of an AMPA device to payer&#39;s bank service system for deposit money  770  and end  771 . Payer&#39;s bank service system stores EPC from an AMPA device of user in payment database of system  772 . Payer&#39;s bank service system goes to step  790  process procedures in  FIG. 16C  to identity whether EPC is valid and end  773 . 
         [0342]      FIG. 16B : Continuing reference present invention in  FIG. 16A : Security service system receives EPC from an AMPA device of user. In this present invention there is provided a security service system to provide a special service to utilize sub-procedure in  FIG. 8C  Identify Message process and identify whether this EPC is valid. Only valid EPC is transmitted to payer&#39;s bank service system  775 . 
         [0343]    It is defense potential ID-theft attack risks that ID-theft stolen an AMPA device to create EPC under victim blinding. 
         [0344]    Previous present invention mention in  FIG. 16A  step  767  Security service system receives a digital image data of EPC from an AMPA device of user and a determination device as a part of security service system identifies whether this EPC is valid  776 . A determination device as a part of security service system uses EPC message instead of message in  FIG. 8C  and goes to step  416  processing sub-procedure “Identify Message process” to identify whether EPC Message is valid. If a determination device as a part of security service system processes sub-procedure of  FIG. 8C  goes to step  421  in  8 C:END_ 1 , then, a valid EPC is stored in receipt database of security service system  777 . And security service system transmits valid EPC to payer&#39;s bank service system  778 . 
         [0345]    Payer&#39;s bank service system receives valid EPC from security service system and goes to step  790 —process procedure in  FIG. 16C  to identify whether EPC is valid and end  779 . If a determination device as a part of security service system processes sub-procedure of  FIG. 8C  goes to step  427  in  8 C:END_ 2 , then, an invalid EPC is issued from security service system to payer&#39;s bank service system and payee&#39;s bank service system  780 . And an AMPA device of user&#39;s name is put into black list in black list database of security service system  781 . 
         [0346]    And security service system deals with black list in order to step  430 —process procedure  FIG. 8D  to suspend service for an AMPA device of user in defense ID-theft attack security service system and ends  782 . Payee&#39;s bank service system receives invalid EPC to delete EPC in payment database of system  783  and end  784 . Payer&#39;s bank service system receives invalid EPC to delete EPC in payment database of system and cancelled payment process with payee&#39;s bank service system  785  and end  786 . If a determination device as a part of security service system processes procedure of  FIG. 8C  goes to step  425  in  8 C:END_ 3 , then, a resign EPC is issued from security service system to an AMPA device of user  787 . An AMPA device of user goes to step  765  to re-process procedure  FIG. 16A  to recreate and retransmit an EPC to third service systems and ends  788 . 
         [0347]      FIG. 16C : continuing reference present invention in  FIG. 16A  and  FIG. 16B , payer&#39;s banker received EPC from an AMPA device of user is called EPC (B), received EPC from security service system is called EPC (A) and received EPC from payee&#39;s bank service system is called EPC (C). In this present invention there is provided a payer&#39;s bank service system to provide a special service in a determination device as a part of payer&#39;s bank service system identifies whether EPC (A), EPC (B) and EPC(C) are matched, and all matched EPC is allowed to be valid EPC for making payment process  790 . 
         [0348]    It is defense potential ID-theft attack risks that ID-theft utilizes technology to access into payee&#39;s bank service system or payer&#39;s bank service system to change EPC data under victim blinding. It is defense potential ID-theft attack risks that ID-theft utilizes technology access into security service system to change EPC data under victim blinding. It is defense potential ID-theft attack risks that ID-theft stolen an AMPA device and creates forge EPC data under victim blinding. 
         [0349]    Payer&#39;s bank service system receives EPC (A) from security service system  791  and also receives deposit EPC (C) from payee&#39;s bank service system  792 . First, a determination device as a part of payer&#39;s bank service system identify whether EPC (A) data from security service system is matched with EPC (C) data from payee&#39;s bank service system  793 . If a determination device as a part of payer&#39;s bank service system identifies ECP is matched, Then, a determination device as a part of payer&#39;s bank service system identify whether identifying EPC (A) data is matched with EPC (B) data from an AMPA device of user who is payer  794 . 
         [0350]    If a determination device as a part of payer&#39;s bank service system identifies that ECP is matched, then, a payment database of payer&#39;s bank service system is stored EPC data and payer&#39;s bank transfers money from account of an AMPA device of user who is payer to payee&#39;s bank according to match EPC information and transmitting receipt information with confirmed EPC to an AMPA device of user who is payer  795  and end  796 . If a determination device as a part of payer&#39;s bank service system identifies ECP (A) is not matched with EPC (B) or EPC (C), then, payer&#39;s bank service system issued invalid EPC appending to problem to an AMPA device of user who is payer, payee&#39;s bank service system and security service system  797 . Security service system receives invalid EPC from payer&#39;s bank service system to delete EPC in receipt database of system  798  and end  799 . Payee&#39;s bank receives invalid EPC from payer&#39;s bank service system to delete EPC in payment database of system  800  and end  801 . An AMPA device of user who is payer receives invalid EPC from payer&#39;s bank service system  802  and recreates EPC  803 , then going to step  765  process procedures in  FIG. 16A  retransmit EPC to third service system and end  804 . 
         [0351]      FIG. 17A : in this present invention diagram illustrate payee&#39;s bank service system and security service system will evaluate credit report to an AMPA device of user. And an AMPA device of user receives credit report from security service system each month. 
         [0352]    Payee&#39;s bank service system  805  evaluates credits degree for an AMPA device  809  of user in order to payment database. A credit report of an AMPA device  809  of user is transmitted from payee&#39;s bank service system  805  to security service system  807  over wired network  806 . Security service system receives credit report and re-evaluated credit report of an AMPA device  809  of user in order to black list database to obtain new credit report. The credit report message is transmitted by security service system  807  to an AMPA device  809  of user over wireless network  808 . 
         [0353]      FIG. 17B : in present invention procedure in  FIG. 15B  illustration payee&#39;s banker obtains payment from an AMPA of user. Payee&#39;s bank service system evaluates credits degree to customer who used credit card identity with an AMPA device to purchase goods/service in order to payment database. In this present invention there is provided security service system to provide special service to reevaluate credits degree for an AMPA of user in order to black list in black list database  810 . 
         [0354]    It is defense potential dishonest person attack risk that dishonest person purchased goods/service, however, she/he does not wants to payment to payee&#39;s bank. It is punish unresponsive person that person loses her/his AMPA device and did not report to security service system, so that ID-theft picks up an AMPA device to attack under victim blinding. 
         [0355]    Payee&#39;s Bank service system evaluates credits degree in order to payment database  811 . Credit degree information of an AMPA device of user is transmitted from payee&#39;s bank service system to security service system  812 . A determination device as a part of security service system reevaluates credit degree from payee&#39;s bank service system to obtain credit report in order to black list database  813 . A determination device as a part of security service system verifies whether Credit Report degree (CR) is lower then a minimum Credit Report degree (CRmin)  814 . If A determination device as a part of security service system identifies CR&gt;CRmin, then, security service system transmits CR information to an AMPA device of user  815 . An AMPA of user receives CR from security service system and stores CR in Credit Report File  125  in  FIG. 14A  in memory of AMPA device  816  and ends  817 . If A determination device as a part of security service system identifies CR&lt;CRmin, then, a suspending message appending to credit report is transmitted from security service system to an AMPA device of user  818 . Security service system put an AMPA device of user who had lower credit degree into black list  819 . Security service system goes to step  430  process procedures in  FIG. 8D  to deal with black list and end  820 . 
         [0356]      FIG. 18A : pervious present invention in  FIG. 11A  diagram illustration that withdrawal is made an AMPA device of user using Changing ATM machine, and payer&#39;s banker provides Changing ATM machine. And an AMPA device of user provides personal account information via wired communication. In this present invention in  FIG. 8A  diagram illustration that an AMPA device of user withdraws money with Electrical WithDrawal (EDW) from Changing ATM machine. 
         [0357]    Withdrawer (no illustration) uses an AMPA device  825  to connect Changing ATM machine  832  via cable  827  between host interface  826  of an AMPA device  825  and host interface  828  of Changing ATM machine  832 . 
         [0358]    And host interface  828  of ATM machine  832  connects with a computer of payer&#39;s bank service system  830  via a cable  829 . An AMPA device  825  of user creates digital represent image data of Electrical WithDrawal (EWD) and transmits EWD from an AMPA device  825  to payer&#39;s bank service system  830  through host interface  826  via cable  827  to a host interface  828  via a cable  829  to computer of payer&#39;s bank service system  830 . And also EWD is transmitted from an AMPA device  825  to security service system  835  via wireless network  834 . Security service system provides a special service to identify whether EWD is valid and transmits valid EPC to payer&#39;s bank service system  830  via wired network  836 . Payer&#39;s Bank service system  830  decides whether an AMPA device  825  of user can withdraw money from her/his personal account number using Changing ATM machine  832 . And payer&#39;s bank service system  830  controls Changing ATM machine  832  via a cable  831  to send money out from output  833  according to valid EWD. 
         [0359]      FIG. 18B : continuing reference present invention in  FIG. 18A  diagram, in this present invention illustration process procedure that there is provided payer&#39;s bank service system to provide special service to allow an AMPA device of user withdrawal money from Changing ATM machine  837 . 
         [0360]    It is that defense potential ID-theft attack risks that ID-theft utilizes stolen credit card identity and password to withdraw money under victim blinding. 
         [0361]    An AMPA device of user utilizes a host interface of an AMPA device to connect with a host interface of changing ATM machine via a cable  838 . And an AMPA device of user creates a digital represent image data of Electrical WithDrawal (EWD) with stylus on screen of an AMPA device  839  in order to creating EWD  303  in  FIG. 5B . An AMPA device of user transmits a digital represent image data of EWD into Changing ATM machine to compute of payer&#39;s bank service system  840 . 
         [0362]    EWD data is stored in a withdrawal database of payer&#39;s bank service system  841  and ends  842 . 
         [0363]    And a digital image data of EWD is transmitted from an AMPA device of user to security service system over wireless network  843 . And security service system goes to step  845 —process procedure  FIG. 18C  to identify whether EWD is valid and end  844 . 
         [0364]      FIG. 18C : continuing reference present invention in  FIG. 18B . In this present invention there is provided a security service system to provide a special service to identify whether the EWD from an AMPA of user is valid. Only valid EWD is allowed to withdraw money from Changing ATM machine  845 . 
         [0365]    It is that defense potential ID-theft attack risk that ID-theft stolen an AMPA device and creates forge EWD to withdraw money from Changing ATM machine under victim blinding. 
         [0366]    Previous present invention mention step  843  in  FIG. 18B  Security service system receives digital represent image data of EWD from an AMPA device of user and a determination device as a part of security service system identifies whether this EWD is valid  846 . A determination device as a part of security service system uses EWD message instead of message in  FIG. 8C  goes to step  416  processing sub-procedure “Identify Message process” to identify whether Message is valid. 
         [0367]    If a determination device as a part of security service system processes sub-procedure of  FIG. 8C  going to step  421  in  8 C:END_ 1 , then, a valid EWD is stored in withdrawal database of security service system and transmits valid EWD message to payer&#39;s bank service system  847 . And payer&#39;s bank service system receives a valid EWD issued from security service system  848 . 
         [0368]    And then, a determination device as part of payer&#39;s bank service system goes to step  855  process procedures in  FIG. 18D  to identify whether EWD is valid and end  849 . If a determination device as a part of security service system processes sub-procedure of  FIG. 8C  going to step  427  in  FIG. 8C : END_ 2 , then, an invalid EWD is issued from security service system to payer&#39;s bank service system and an AMPA device of user who is withdrawer; and also putting AMPA device of user&#39;s name into black list in black list database of security service system  850 . And security service system deals with black list in order to step  430 —process procedure  FIG. 8D  to suspend service of AMPA device of user in Defense ID-theft attack security service system and ends  851 . Payer&#39;s bank service system received invalid EWD from security service system to cancel withdrawal process and delete EWD from withdrawal database  925  and ends  926 . An AMPA device of user who is withdrawer received invalid EWD message from security service system and must go to register AMPA device service for solution problem  927  and ends  928 . If a determination device as a part of security service system processes procedure of  FIG. 8C  going to step  452  in  8 C:END_ 3 , then, a resign EWD is issued from security service system to an AMPA device of user  852 . An AMPA device of user goes to step  837  to re-process procedure  FIG. 18B  to recreates and retransmits an EWD to third service system and ends  853 . 
         [0369]      FIG. 18D : continuing reference present invention in  FIG. 18C . A valid EWD is transmitted from security service system to payer&#39;s bank service system. In this present invention there is provided a payer&#39;s bank service system to identify whether EWD from security service system is matched with EWD from an AMPA device of user. Only matched EWD is allowed to withdraw money from changing ATM machine  855 . 
         [0370]    It is defense potential ID-theft attack risk that ID-theft utilizes technology access security service system or payer&#39;s bank service system to change EWD data under victim blinding. It is defense potential ID-theft attack risk that ID-theft sends forges EWD to payer&#39;s bank service system under victim blinding. 
         [0371]    Security service system transmits valid EWD to payer&#39;s bank service system  856 . Payer&#39;s bank service system receives valid EWD from security service system and a determination device as a part of payer&#39;s bank service system identifies whether EWD from security service system is matched with EWD from an AMPA device of user  857 . If a determination device as a part of payer&#39;s bank service system identifies EWD is valid, then payer&#39;s bank service system transfers money from account of an AMPA device of user who is withdrawer into changing ATM machine and transmits receipt information with confirmed EWD to an AMPA device of user who is withdrawer  858 . 
         [0372]    And an AMPA device of user who is withdrawer goes to step  865  process procedures  FIG. 18E  to respond receipt of withdrawal and end  859 . If a determination device as a part of payer&#39;s bank service system identifies EWD is invalid, then, payer&#39;s bank service system issued an invalid EWD to an AMPA device of user and security service system  860 . Security service system receives invalid EWD information from payer&#39;s bank service system to delete EWD in withdrawal database of system  861  and end  862 . An AMPA device of user receives invalid EWD information from payer&#39;s bank service system  863  and goes to step  837  process procedures  FIG. 18B  to re-create and retransmit EWD to third service system and end  864 . 
         [0373]      FIG. 18E : continuing reference present invention in  FIG. 18D  an AMPA device of user withdraws money from Changing ATM machine and payer&#39;s bank offers Changing ATM machine. In this present invention process procedure in  FIG. 18E  there is provided an AMPA device to provide special service that an AMPA device of user identifies whether receipt from payer&#39;s bank service system is valid and respond receipt issued to payer&#39;s bank service system and also to security service system  865 . An AMPA of user responds receipt message from payer&#39;s bank service system having some probabilities in responds: A) An AMPA device of user confirms receipt from payer&#39;s bank service system is valid because it is true that she/he withdraws money from Changing ATM machine. B) An AMPA device of user denies receipt from payer&#39;s bank service system because the receipt data is not correct such as ID-theft accesses into computer of payer&#39;s bank service system to change receipt data under victim blinding. C) An AMPA device of user denies receipt from payer&#39;s bank service system because the receipt data is invalid such as ID-theft stolen an AMPA device to withdraw money from Changing ATM machine under victim blinding. D) An AMPA device of user no respond in receipt issued from payer&#39;s bank service system such as an AMPA device could not receive signal or out off batter of an AMPA device, or unauthorized user used an AMPA device under victim blinding etc. 
         [0374]    Payer&#39;s bank service system transmits receipt to an AMPA device of user in order to EWD of an AMPA device of user over wireless network  866 . An AMPA device of user receives receipt message from payer&#39;s bank service system to verify whether this receipt is valid  867 . If an AMPA device of user verifies this receipt is valid, then an AMPA device of user responds confirmed receipt message to payer&#39;s bank service system and transmits confirmed receipt message to security service system  870 . A receipt database of payer&#39;s bank service system stores confirmed receipt data from an AMPA device of user  873  and end  874 . A receipt database of security service system stores confirmed receipt data  871  and go to step  880  to process procedure  FIG. 18F  to identify whether confirmed receipt message from an AMPA device of user is valid and ends  872 . If an AMPA device of user verifies this receipt is invalid and transmits denied receipt message to payer&#39;s bank service system  875 . Payer&#39;s Bank service system receives denied receipt message from an AMPA device to go to step  895  process procedures  FIG. 18G  to identify whether denied receipt message is true and end  876 . If an AMPA device of user did not respond receipt message issued from payer&#39;s bank service system during time out, then, payer&#39;s bank service system transmits receipt message to security service system  868 . Security service system receives receipt message from payer&#39;s bank service system goes to step  910  process procedures  FIG. 18H  to deal with no responding process and ends  869 . 
         [0375]      FIG. 18F : Continuing reference present invention in  FIG. 18E  security service system receives confirmed receipt message from an AMPA device of user. In this present invention there is provided a security service system to provide a special service to utilize sub-procedure in  FIG. 8C : “Identify Message process” identifying whether this confirmed receipt message is valid. Only valid confirmed receipt is transmitted to payer&#39;s bank service system separately  880 . 
         [0376]    It is defense potential ID-theft attack risks that ID-theft stolen an AMPA device and transmits confirmed receipt under victim blinding. It is defense potential ID-theft attack risks that ID-theft transmits confirmed receipt with forge signature under victim blinding. 
         [0377]    Previous present invention mention in  FIG. 18E  step  871 , system database of Security service system stores confirmed receipt message from an AMPA device of user and a determination device as part of security service system identifies whether this confirmed receipt message is valid  881 . A determination device as part of security service system uses confirmed receipt message instead of message in  FIG. 8C  process step  416  sub-procedure “Identify Message process” to identify whether Message is valid. If A determination device as part of security service system processing sub-procedure of  FIG. 8C  goes to step  421  in  8 C: END_ 1 , then, a valid confirmed receipt is stored in receipt database of security service system and security service system transmits a valid confirmed receipt to payer&#39;s service system  882 . A valid confirmed receipt data is stored in withdrawal database of payer&#39;s service system to prove that withdrawal process is successful  883  and end  884 . 
         [0378]    If A determination device as part of security service system processing sub-procedure of  FIG. 8C  goes to step  427  in  8 C: END_ 2 , then, an invalid confirmed receipt is issued from security service system to an AMPA device of user and payer&#39;s bank service system  885 . Payer&#39;s service system receives invalid confirmed receipt message from security service system and deletes withdrawal data from withdrawal database of payer&#39;s banks service system  886  and ends  887 . An AMPA device of user receives invalid confirmed receipt message from security service system and must go to register AMPA service to solution problem  888  and ends  889 . If A determination device as part of security service system processing procedure of  FIG. 8C  goes to step  425  in  8 C:END_ 3 , then, a resign confirmed receipt is issued from security service system to an AMPA device of user  890 . An AMPA device of user goes to step  865  re-process procedure  FIG. 18E  to respond receipt to service system again and ends  891 . 
         [0379]      FIG. 18G : Continuing reference present invention in  FIG. 18E  step  875 , payer&#39;s service system receives denied receipt message from an AMPA device of user  895 . 
         [0380]    In this present invention there is provided a payer&#39;s bank service system to provide special service to check whether denied receipt data from an AMPA device of user is true. Only truly denied information is accepted by payer&#39;s service system  896 . 
         [0381]    It is defense potential dishonest person attack risks that person uses an AMPA device with personal account to withdraw money from Changing ATM machine, and responded forge receipt message to payer&#39;s bank service system. 
         [0382]    If payer&#39;s bank did not transfer money to Changing ATM machine, then, this denied receipt is true. Payer&#39;s bank service system deletes EWD data in withdrawal database  897  and ends  898 . If a determination device as part of payer&#39;s bank service system verifies money is transferred to Changing ATM machine, that this denied receipt is not true. Then, A complains message appending to evidence is issued from payer&#39;s service system to security service system  899 . Security service system stores complain message from payer&#39;s bank service system in complain database to investigate whether this evidence is true  900 . If this evidence show that an AMPA device of user taken money from Changing ATM machine, then, this evidence is true. The security service system put this AMPA device of user&#39;s name into black list in black list database of system  904 . And the security service system will deal with black list in order to step  430 —process procedure  FIG. 8D  and ends  905 . If this evidence could not show that an AMPA device of user taken money from Changing ATM machine, then, this evidence is invalid. An invalid evidence message is issued from security service system to payer&#39;s service system  901 . 
         [0383]    Payer&#39;s bank service system deletes EWD data from withdrawal database  902  and ends  903 . 
         [0384]      FIG. 18H : continuing reference present invention step  868  in  FIG. 18E  an AMPA device of user did not respond to receipt message issued from payer&#39;s bank service system. In this present invention, there is provided a security service system to deal with no respond receipt from an AMPA device of user problem  910 . 
         [0385]    It is defense potential ID-theft attack risks that ID-theft stolen an AMPA device to withdraw money from Changing ATM machine under victim blinding. It is defense potential dishonest person attack risks that dishonest person withdraws money from Changing ATM machine; however, she/he did not want to admit it. 
         [0386]    First, payer&#39;s bank service system transmits receipt message with a time out (T) to an AMPA device of user  911 . If payer&#39;s bank service system does not receive any responding information from an AMPA device of user, and then it checks the Ttimeout T  912 . If T&lt;Timeout and no respond information, then payer&#39;s bank service system back to step  911  in  FIG. 18H  process procedure again. 
         [0387]    If T&gt;Timeout and no responding, then payer&#39;s bank service system transmits receipt message to security service system  913 . If T&lt;Timeout, an AMPA device of user receives receipt information and decides to respond receipt message, then, an AMPA device of user goes to step  865  process procedure in  FIG. 18E  and ends  915 . Security service system sends alert message appending to receipt data with time out T to an AMPA device of user. If security service system does not receive any responding information from an AMPA device of user, and then it checks the Timeout T  914 . 
         [0388]    If T&lt;Timeout and no respond, then, security service system back to step  914  in  FIG. 18H  process procedure again. If T&gt;Timeout and no respond, then security service system put an AMPA device of user&#39;s name into black list in black list database  916 . And security service system will deal with black list in order to step  430 —process procedure  FIG. 8D  and ends  917 . If T&lt;Timeout, an AMPA device of user receives receipt information and decides to respond receipt message, then, an AMPA device of user goes to step  865  process procedure in  FIG. 12E  and ends  915 .