The following quote was obtained by the news editors from the background informa tion supplied by the inventors: “An electronic financial transaction refers to a transaction in which a financial institution or an electronic financial busines s operator provides a financial product and service through an electronic device , and a user uses the provided financial product and service in an automated man ner without directly confronting or communicating with an operator of the financ ial institution or the electronic financial business operator. Such a financial transaction has been popularized due to the development of a data communication network, such as the Internet. In particular, electronic finance using a mobile device such as a smartphone is currently rapidly spreading.
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