A mobile communication device is disclosed. The disclosed mobile communication device performs corresponding identity (ID) and data verification processing on a server through a smart chip and comprises a wireless communication unit, a smart chip, and a processing unit. The smart chip is configured to store ID verification information. The processing unit is electrically connected to the smart chip and the wireless communication unit. When the processing unit runs a transaction procedure, the processing unit accesses the ID verification information from the smart chip. The processing unit also drives the wireless communication unit to send the ID verification information to the server and requests the server to perform an ID verification procedure, so as to determine whether the transaction procedure is valid. Additionally, when the transaction procedure is invalid, the processing unit cancels the transaction procedure.