A data accessing device with multiple verification functions and a verification system are provided. The device comprises an electronic certificate reader and a radio frequency signal reader in an outer housing. The electronic certificate reader can access an electronic certificate displayed in a portable electronic device of a user through an optical path, while the radio frequency signal reader accesses a personal radio frequency identification label of a user through a radio frequency path. The electronic certificate data and personal radio frequency identification label data is sent to a verification system to be processed and compared with user data stored in a user database to determine whether the access electronic certificate and personal radio frequency identification label are correct or whether there is a corresponding relationship therebetween. Accordingly, comparison result data is generated which can be represented in a result review device to be benefit for an identity verification application system to know correct identity of the user or whether to continue proceeding the transaction.