TW202147154A - Agency financial transaction system by verified biometric information and method thereof - Google Patents

Abstract

An agency financial transaction system by verified biometric information and a method thereof are provided. Financial transaction information with identity information is received by agent client device to provide to bank server for financial transaction. Device information is inquired according to identity information of financial transaction information by bank server. Financial transaction information is transferred to client device according to device information through bank server. Bioinformatics information to be identified is received by bank sever from client device. Bioinformatics information to be identified is identified to generate identification result by biometric information server. Financial transaction information is financial transaction or not according to identification result. Therefore, the efficiency of providing verification of biometric information for agency financial transaction may be achieved.

Description

Proxy financial transaction system and method thereof authenticated by biometric information

A financial transaction system and a method thereof, in particular an agent financial transaction system and method verified by biometric information.

In the case of customer inconvenience, existing financial transactions can provide customers to entrust an agent to carry out financial transactions. By providing a power of attorney and identity documents, the agent can ensure the reasonableness and legality of the financial transaction on behalf of the customer, but there will inevitably be forged entrustment. book and forged identity documents for illegal financial transactions.

Although it is possible to directly contact the customer to confirm the correctness of the agent, if the customer cannot be directly contacted, the financial transaction will be faced with a dilemma. If a financial transaction is performed, it may be an illegal financial transaction. It may affect the customer's credit and the losses caused by the failure of financial transactions, and the existing biometric technology is gradually applied in daily life. Avoid the above problems.

To sum up, it can be seen that there has been a long-standing problem in the prior art that the verification of existing proxy financial transactions is not easy, so it is necessary to propose improved technical means to solve this problem.

In view of the problem that the existing proxy financial transaction verification is not easy in the prior art, the present invention discloses a proxy financial transaction system and method for verification through biometric information, wherein:

The agent financial transaction system through biometric information verification disclosed in the present invention includes: a biometric information server, a client device, an agent device and a bank server, and the bank server further includes: a receiving module and a storage module , query module, transaction module and transmission module.

The biometric information server stores corresponding identification information and biometric information. The biometric information server receives the biometric information to be identified, identifies the biometric information to be identified and the biometric information, generates an identification result, and transmits the identification result.

The client device receives and displays the financial transaction information. The financial transaction information includes identity information, receives the biometric information to be identified through the biometrics receiving module, transmits the biometric information to be identified, receives the transaction result and displays it.

The agent-end device receives financial transaction information, transmits and displays the financial transaction information, and receives and displays the transaction result.

The receiving module of the bank server is used to receive financial transaction information from the agent device, the biometric information to be identified from the client device, and the identification result from the biometric information server; the storage module of the bank server is used for corresponding Store the identity information and device information; the query module of the bank server is used to query the corresponding device information according to the identity information in the financial transaction information; the transaction module of the bank server is used to carry out identification results and financial transaction information. Financial transaction or termination of the transaction, and generate transaction results; and the transmission module of the bank server is used to transmit the financial transaction information to the client device according to the device information, transmit the biometric information to be identified to the biometric information server, and transmit the transaction. The results are sent to the client device and the operating device.

The proxy financial transaction method through biometric information verification disclosed in the present invention comprises the following steps:

First, the biometric information server stores the identity information and biometric information correspondingly; then, the bank server stores the identity information and device information correspondingly; then, the agent-side device receives the financial transaction information including the identity information and transmits and displays the financial transaction. information; then, the bank server receives financial transaction information from the agent device; then, the bank server queries the corresponding device information according to the identity information in the financial transaction information; then, the bank server sends the financial transaction information to The corresponding client device is displayed; then, the client device receives the biometric information to be identified through the biometric receiving module and transmits the biometric information to be identified to the bank server; then, the bank server transmits the biometric information to be identified to the biometric information server; then, the biometric information server identifies the biometric information to be identified and the biometric information to generate an identification result and transmits the identification result to the bank server; then, the bank server conducts financial transactions according to the identification result and the financial transaction information Or terminate the transaction and generate the transaction result; then, the bank server transmits the transaction result to the client device and displays it; finally, the bank server transmits the transaction result to the agent-end device and displays it.

The system and method disclosed in the present invention are as above, and the difference between the system and the prior art is that when the agent-end device receives financial transaction information including identity information and provides it to the bank server for financial transaction, the bank server performs the financial transaction according to the identity in the financial transaction information. The corresponding device information is queried from the information, and the bank server transmits the financial transaction information to the corresponding client device according to the device information to receive the biometric information to be identified from the client device, and is generated by identifying the biometric information to be identified through the biometric information server. The identification result to confirm the financial transaction information to carry out the financial transaction or terminate the transaction.

Through the above-mentioned technical means, the present invention can achieve the technical effect of providing proxy financial transactions through biometric information verification.

The embodiments of the present invention will be described in detail below with the drawings and examples, so as to fully understand and implement the implementation process of how the present invention applies technical means to solve technical problems and achieve technical effects.

The following first describes the proxy financial transaction system verified by biometric information disclosed in the present invention, and please refer to "Figure 1". "Figure 1" shows the proxy financial transaction verified by biometric information according to the present invention. System block diagram of the system.

The proxy financial transaction system through biometric information verification disclosed in the present invention includes: a biometric information server 10, a client device 20, an agent device 30, and a bank server 40. The bank server 40 further includes: a receiving module Group 41 , storage module 42 , query module 43 , transaction module 44 and transmission module 45 .

The biometric information server 10 correspondingly stores identity information and biometric information. The identity information is, for example, account name, account number, identification number, etc., and the biometric information is, for example, fingerprint, iris, finger vein, etc. It is worth noting Yes, if the biometric information is a fingerprint, the biometric information will have the fingerprints of at least two different fingers, for example: fingerprints of the left thumb and right thumb; left index finger, left middle finger and right index finger; right index finger, right middle finger and right hand The fingerprint of the ring finger is only for illustration here, and does not limit the scope of application of the present invention.

The client device 20 is a general computer, a notebook computer, a tablet computer, a smart phone, etc. When the agent entrusted by the customer operates the ATM, the ATM is the agent-end device 30, and the agent entrusted by the customer is at the counter. When conducting financial transactions, the over-the-counter device is the agent-side device 30. When the agent entrusted by the customer uses a general computer, a notebook computer, a tablet computer or a smart phone, the general computer, notebook computer, tablet computer or smart phone The mobile phone is the proxy device 30 , which is only for illustration, and does not limit the scope of application of the present invention.

Please refer to "Fig. 2". "Fig. 2" is a schematic diagram of an agency transaction structure of an agency financial transaction verified by biometric information. When the client entrusts an agent to conduct financial transactions, the agent uses the agent terminal. When the device 30 inputs the financial transaction information 51, the agent device 30 will receive the financial transaction information 51. The financial transaction information 51 includes information such as identity information, account numbers of both parties to the transaction, transaction amount, etc. This limits the scope of application of the present invention.

A connection is established between the agent device 30 and the bank server 40 through wired or wireless transmission. The mobile communication network (for example: 3G, 4G, 5G, etc.), etc., are only illustrative here, and are not intended to limit the scope of application of the present invention.

The storage module 42 of the bank server 40 stores the identity information and device information correspondingly in advance, the agent device 30 will transmit the financial transaction information 51 to the bank server 40 , and the receiving module 41 of the bank server 40 can receive the information from the agent device 30 . Receiving the financial transaction information 51 , when the receiving module 41 of the bank server 40 receives the financial transaction information 51 , the inquiry module 43 of the bank server 40 can retrieve the financial transaction information 51 from the bank server 40 according to the identity information in the financial transaction information 51 . The corresponding device information is queried from the storage module 42 .

Next, when the query module 43 of the bank server 40 queries the corresponding device information according to the identity information in the financial transaction information 51 , the transmission module 45 of the bank server 40 can transmit the financial transaction information 51 to the device information according to the device information. Corresponding to the client device 20, the bank server 40 and the client device 20 can also establish a connection through a wired transmission method or a wireless transmission method. The wired transmission method is, for example, a cable network, an optical fiber network, etc. For example, Wi-Fi, mobile communication network (eg, 3G, 4G, 5G, etc.), etc., are merely illustrative, and are not intended to limit the scope of application of the present invention.

When the client device 20 receives the financial transaction information 51 from the transmission module 45 of the bank server 40 , the client device 20 will display the financial transaction information 51 . To confirm the financial transaction information, the client device 20 can embed a biometric receiving module or establish a connection with the biometric receiving module (for example, a connection line, a short-distance wireless connection, etc., here only For example, it is not intended to limit the application scope of the present invention), the client device 20 can input and receive the biometric information 52 to be recognized through the biometric receiving module, such as fingerprint, iris, etc. It should be noted that when the biometric information 52 to be identified is a fingerprint, the biometric information to be identified will have fingerprints of at least two different fingers.

After the client device 20 receives the biometric information 52 to be identified through the biometric receiving module, the client device 20 transmits the biometric information 52 to be identified to the bank server 40, and the receiving module 41 of the bank server 40 can receive the biometric information 52 from the client The terminal device 20 receives the biometric information 52 to be identified, and the bank server 40 and the biometric information server 10 can also establish a connection through a wired transmission method or a wireless transmission method. etc., the wireless transmission method is, for example, Wi-Fi, mobile communication network (eg, 3G, 4G, 5G, etc.), etc., which are only illustrative and not intended to limit the scope of application of the present invention.

The transmission module 45 of the bank server 40 will further transmit the biometric information 52 to be identified to the biometric information server 10 , and the biometric information server 10 receives the biometric information 52 to be identified from the transmission module 45 of the bank server 40 . After that, the biometric information server 10 can identify the biometric information to-be-identified biometric information 52 and the biometric information stored in the biometric information server 10. For the identification of the biometric information, please refer to the prior art, which will not be performed here. To reiterate, when the biometric information server 10 completes the identification of the biometric information 52 to be identified, the identification result 53 can be generated. The financial transaction information 51 performed by the authorized agent), if the biometric information 52 to be identified and the biometric information are inconsistent, the identification result 53 is the identification failure (that is, the financial transaction information 51 performed by the agent is illegal. financial transactions).

The biometric information server 10 will transmit the identification result 53 to the bank server 40 , and the receiving module 41 of the bank server 40 can receive the identification result 53 from the biometric information server 10 . When the group 41 receives the identification result 53, the transaction module 44 of the bank server 40 can perform financial transactions or terminate the transaction according to the identification result 53 and the financial transaction information 51, that is, when the identification result 53 is successful, the bank server The transaction module 44 of the bank server 40 can perform financial transactions according to the financial transaction information 51 , and when the identification result 53 is an identification failure, the transaction module 44 of the bank server 40 can terminate the transaction and further generate a transaction result 54 .

Then, the transaction result 54 is transmitted to the client device 20 and the agent device 30 through the transmission module 45 of the bank server 40 respectively, and the client device 20 and the agent device 30 can display the transaction result 54 respectively, thereby allowing the customer to And the agent knows the financial transaction result of the financial transaction information 51 .

Please refer to "Fig. 3". "Fig. 3" is a schematic diagram of the account establishment structure of the agent financial transaction verified by biometric information according to the present invention. The biometric information server 10 corresponds to the stored identity information and biometric identification. The information is the information stored by the client when the account is created. The client device 20 will receive the account opening written information 61 and the ID card image information 62, and the client device 20 can also have an embedded image module or establish a connection with the image module. The client device 20 can receive the image recognition through the image module through the connection method (such as: connection line, short-distance wireless connection, etc., which is only for illustration here, and does not limit the application scope of the present invention). Information 63 and identity image data 64 containing identification information, the image identification information 63 is the avatar or bust image of the customer, and the identity image data 64 containing the identification information is the identification information held by the customer (including the identification information). information, information on the date of the current day, etc., which are only illustrative, and do not limit the scope of application of the present invention) bust image, so as to confirm that the account opening confirmation is performed by the person on the current day, and the client device 20 receives the module through biometric identification. The group enters and receives biometric information 65 .

The client device 20 can transmit the account opening written information 61, the ID card image information 62, the image identification information 63, the identification image data 64 and the biometric identification information 65 to the bank server 40, and the receiving module 41 of the bank server 40 receives the information from the client. When the terminal device 20 receives the account opening written information 61, the identity card image information 62, the image identification information 63, the identity image information 64 and the biometric identification information 65, the verification module 46 of the bank server 40 can verify the account opening written information 61, the identification card The image information 62 and the identity image data 64 are verified to generate a verification result. When the verification result is that the account opening is completed, the identity information (that is, the information stored in the account opening written information 61 can be transferred by the transmission module 45 of the bank server 40 ). obtained) and the image identification information 63 are transmitted to the identification image information server 70, and the transmission module 45 of the bank server 40 transmits the identification information and the biometric information 65 to the biometric information server 10, and the identification image information server 70 Therefore, the identity information and the image identification information 63 can be correspondingly stored, and the biometric information server 10 can correspondingly store the identity information and the biometric information 65 .

Please refer to "Fig. 4". "Fig. 4" shows a schematic diagram of the establishment of an over-the-counter account for proxy financial transactions through biometric authentication of the present invention. The aforementioned account creation is performed by the client through the client device 20. The process of account establishment is explained, and the customer can also perform the account establishment process through the counter device 80, that is, when the customer visits the counter, the teller operates the counter device 80 to input and receive the account opening written information 61 and the ID card image information 62, In addition, the near-cabinet device 80 can also be embedded with an image module or by establishing a connection with the image module (for example, a connection cable, a short-distance wireless connection, etc.) Limiting the scope of application of the present invention), the closet device 80 can receive the image identification information 63 through the image module,

The closet device 80 is then connected to the biometric receiving module through an embedded biometric receiving module (for example, a connecting line, a short-distance wireless connection, etc.) This is not intended to limit the scope of application of the present invention), the closet device 80 then inputs and receives the biometric information 65 through the biometric receiving module.

The counter device 80 can transmit the account opening written information 61 , the ID card image information 62 , the image identification information 63 and the biometric identification information 65 to the bank server 40 , and the receiving module 41 of the bank server 40 receives the account opening from the client device 20 When the written data 61, the ID card image information 62, the image identification information 63 and the biometric identification information 65 are present, the verification module 46 of the bank server 40 can verify the account opening written information 61 and the ID card image information 62 to generate a verification As a result, when the verification result is that the account opening is completed, the identity information (that is, obtained from the account opening written information 61 ) and the image identification information 63 can be transmitted to the identification image information server by the transmission module 45 of the bank server 40 . 70, and the transmission module 45 of the bank server 40 transmits the identity information and the biometric information 65 to the biometric information server 10, and the identification image information server 70 can store the identity information and the image identification information 63 correspondingly, and the biometric information The identification information server 10 correspondingly stores identification information and biometric identification information 65 .

Please refer to "Fig. 5". "Fig. 5" is a schematic diagram of the over-the-counter service and product recommendation structure of the agent financial transaction verified by biometric information in the present invention. The service number fetching device 90 installed in the bank is embedded with a biometrics receiving module or is connected with the biometrics receiving module (for example, a connection line, a short-distance wireless connection, etc., this is only an example) To illustrate, this does not limit the scope of application of the present invention) to input and receive the biometric information 52 to be identified, the service number fetching device 90 provides the customer to select the desired service and give the number to wait for the counter service.

The service number fetching device 90 establishes a connection with the bank server 40 through wired or wireless transmission. The wired transmission is, for example, a cable network, an optical fiber network, etc. The communication network (for example: 3G, 4G, 5G, etc.), etc., is only an example here, and is not intended to limit the scope of application of the present invention. The service number fetching device 90 transmits the biometric information 52 to be identified to the bank server. 40.

After the receiving module 41 of the bank server 40 receives the biometric information 52 to be identified from the service number fetching device 90, the transmitting module 45 of the bank server 40 can transmit the biometric information 52 to be identified to the biometric information server 10, and the biometric information 52 can be sent to the biometric information server 10. After the identification information server 10 receives the biometric information 52 to be identified from the transmission module 45 of the bank server 40, the biometric information server 10 can query the corresponding identification information 66 according to the biometric information 52 to be identified. When the information server 10 queries the identity information 66 corresponding to the biometric information 52 to be identified, the biometric information server 10 transmits the queried identity information 66 to the bank server 40, and the receiving module 41 of the bank server 40 obtains the identity information 66 from the biometric information. The identification information server 10 receives the identification information 66 .

The bank server 40 then transmits the identification information 66 to the identification image information server 70 through the transmission module 45 , and the identification image information server 70 can rely on the identification when receiving the identification information 66 from the transmission module 45 of the bank server 40 . The information 66 queries the corresponding image identification information 63. When the identification image information server 70 queries the corresponding image identification information 63, the identification image information server 70 can transmit the image identification information 63 to the bank server 40, and the bank server The receiving module 41 of the server 40 can receive the image identification information 63 from the identification image information server 70 .

The analysis module 47 of the bank server 40 will query the corresponding financial transaction records according to the identity information 66 . The financial transaction records are, for example, credit card fee transactions, insurance fee transactions, fund fee transactions, etc. This is just an example. The analysis module 47 of the bank server 40 further analyzes the financial transaction records after querying the financial transaction records, such as analyzing the total fund fee transaction and the total income of the fund, analyzing the insurance fee transaction and account balance, and analyzing the credit card Analysis of transaction content, etc., are only illustrative here, and are not intended to limit the scope of application of the present invention, so as to analyze and generate financial product recommendation information 67. The financial product recommendation information 67 is, for example, the amount of the total fund fee transaction. When the total return of the fund is lower than that of the fund, similar fund products are found, and the fund's return is positive relative to the fund fee transaction, and the found fund product is the financial product recommendation information 67; the content of the credit card transaction is analyzed. The consumption tendency is entertainment consumption. Find credit card products with discounts for entertainment consumption, and the found credit card products are financial product recommendation information 67 , which are only illustrative and do not limit the scope of application of the present invention.

When the analysis module 47 of the bank server 40 analyzes the financial transaction records to generate the financial product recommendation information 67, the transmission module 45 of the bank server 40 transmits the image identification information 63 and the financial product recommendation information 67 to the counter device 80. The check-in device 80 can display the image identification information 63 and the financial product recommendation information 67, so as to provide the bank teller with the identity of the customer to identify whether to provide the check-in service for himself and provide the customer with suitable financial products.

Please refer to "Fig. 6A" and "Fig. 6B", "Fig. 6A" and "Fig. 6B" are flowcharts of the method of the present invention's method of proxy financial transaction verified by biometric information.

First, the biometric information server stores the identity information and biometric information correspondingly (step 101 ); then, the bank server stores the identity information and device information correspondingly (step 102 ); then, the agent device receives the financial information including the identity information Transaction information is sent and displayed (step 103 ); then, the bank server receives the financial transaction information from the agent device (step 104 ); then, the bank server queries the corresponding device according to the identity information in the financial transaction information information (step 105 ); then, the bank server transmits the financial transaction information to the corresponding client device according to the device information and displays it (step 106 ); then, the client device receives the biometric information to be identified through the biometric receiving module and displays it. Send the biometric information to be recognized to the bank server (step 107 ); then, the bank server transmits the biometric information to be recognized to the biometric information server (step 108 ); then, the biometric information server sends the biometric information to be recognized and the biometric information Perform biometric identification to generate identification results and transmit the identification results to the bank server (step 109 ); then, the bank server performs financial transactions or terminates transactions according to the identification results and financial transaction information, and generates transaction results (step 110 ); Next, the bank server transmits the transaction result to the client device and displays it (step 111 ); finally, the bank server transmits the transaction result to the agent-end device and displays it (step 112 ).

From the above, it can be seen that the difference between the present invention and the prior art is that when the agent device receives financial transaction information including identity information and provides it to the bank server for financial transaction, the bank server inquires according to the identity information in the financial transaction information. The corresponding device information is output, and the bank server transmits the financial transaction information to the corresponding client device according to the device information to receive the biometric information to be identified from the client device, and the biometric information server identifies the biometric information to be identified. The result is to confirm the financial transaction information to carry out the financial transaction or to terminate the transaction.

This technical means can solve the problem that the existing proxy financial transactions are not easy to verify in the prior art, thereby achieving the technical effect of providing proxy financial transactions through biometric information verification.

Although the embodiments disclosed in the present invention are as above, the above-mentioned contents are not used to directly limit the scope of the patent protection of the present invention. Anyone with ordinary knowledge in the technical field to which the present invention pertains can make some changes in the form and details of the implementation without departing from the spirit and scope of the present invention. The scope of patent protection of the present invention shall still be defined by the scope of the appended patent application.

10: Biometric Information Server 20: Client Device 30: Proxy device 40: Bank server 41: Receive module 42: Storage Module 43: Query Module 44: Trading Module 45: Teleportation Module 46: Check Module 51: Financial Transaction Information 52: Biometric information to be identified 53: Recognition results 54: Transaction Results 61: Account opening written information 62: ID card image information 63: Image recognition information 64: Identity image data 65: Biometric Information 66: Identity Information 67: Recommended information on financial products 70: Identify image information server 80: Cabinet device 90: Service number retrieval device Step 101: The biometric information server correspondingly stores the identity information and biometric information Step 102: Bank server correspondingly stores identity information and device information Step 103: The agent device receives the financial transaction information including the identity information and transmits and displays the financial transaction information Step 104: The bank server receives financial transaction information from the agent device Step 105: The bank server queries the corresponding device information according to the identity information in the financial transaction information Step 106: The bank server transmits the financial transaction information to the corresponding client device according to the device information and displays it Step 107: The client device receives the biometric information to be identified through the biometric receiving module and transmits the biometric information to be identified to the bank server Step 108: The bank server transmits the biometric information to be identified to the biometric information server Step 109: The biometric information server identifies the biometric information to be identified and the biometric information to generate an identification result and transmits the identification result to the bank server Step 110: The bank server performs a financial transaction or terminates the transaction according to the identification result and the financial transaction information, and generates a transaction result Step 111: The bank server sends the transaction result to the client device and displays it Step 112: The bank server sends the transaction result to the agent device and displays it

FIG. 1 is a system block diagram of an agent financial transaction system authenticated by biometric information according to the present invention. FIG. 2 is a schematic diagram of an agency transaction structure of an agency financial transaction verified by biometric information according to the present invention. FIG. 3 is a schematic diagram of the account establishment structure of the agent financial transaction authenticated by the biometric information according to the present invention. FIG. 4 is a schematic diagram illustrating the establishment of an over-the-counter account for an agency financial transaction verified by biometric information according to the present invention. FIG. 5 is a schematic diagram of the over-the-counter service and product recommendation architecture for proxy financial transactions verified by biometric information according to the present invention. FIG. 6A and FIG. 6B are method flowcharts of the method of proxy financial transaction through biometric information verification according to the present invention.

10: Biometric Information Server

20: Client Device

30: Proxy device

40: Bank server

41: Receive module

42: Storage Module

43: Query Module

44: Trading Module

45: Teleportation Module

46: Check Module

Claims (10)

An agent financial transaction system verified by biometric information, comprising: A biometric information server, the biometric information server correspondingly stores an identity information and a biometric information, the biometric information server receives a biometric information to be recognized, and compares the biometric information to be recognized with the biometric information. The identification information is used to identify the biometric information to generate an identification result and transmit the identification result; A client device, the client device receives and displays a financial transaction information, the financial transaction information includes the identity information, receives the biometric information to be identified through a biometric receiving module, and transmits the biometric information to be identified. information, receive a transaction result and display it; an agent-side device, the agent-side device receives the financial transaction information and transmits and displays the financial transaction information, receives and displays the transaction result; and A bank server, the bank server further includes: a receiving module for receiving the financial transaction information from the agent device, receiving the biometric information to be identified from the client device, and receiving the identification result from the biometric information server; a storage module for correspondingly storing the identity information and the device information; a query module for querying the corresponding device information according to the identity information in the financial transaction information; a transaction module, configured to perform a financial transaction or terminate a transaction according to the identification result and the financial transaction information, and generate the transaction result; and a transmission module, used for transmitting the financial transaction information to the client device according to the device information, transmitting the biometric information to be identified to the biometric information server, and transmitting the transaction result to the A client device and the operating device. The proxy financial transaction system verified by biometric information according to claim 1, wherein the proxy financial transaction system verified by biometric information further comprises: an identification image information server, the identification image information server correspondingly stores the identification information and an image identification information; The client device receives an account opening written information and an ID card image information, receives the image identification information and an identification image data including the identification information through an image module, and receives the biometric identification through a biometric identification receiving module information, the client device transmits the account opening written data, the ID card image information, the image identification information, the identity image data and the biometric identification information; The bank server further includes: The receiving module receives the account opening written data, the ID card image information, the image identification information, the identity image data and the biometric identification information from the client device; a verification module for performing data verification on the account opening written information, the identity card image information and the identity image information to generate a verification result; and The transmission module transmits the identity information and the image identification information to the identification image information server when the account opening is completed according to the verification result, and transmits the identity information and the biometric information to the the biometric information server. The proxy financial transaction system verified by biometric information according to claim 1, wherein the proxy financial transaction system verified by biometric information further comprises: The biometric information server further comprises querying the corresponding identification information according to the biometric information to be identified and transmitting the identification information; an identification image information server, the identification image information server correspondingly stores the identification information and an image identification information, the identification image information server receives the identification information, and queries the corresponding identification information according to the identification information describe the image identification information and transmit the queried image identification information; A service number retrieval device receives the biometric information to be identified and transmits the biometric information to be identified; The bank server further includes: The receiving module further includes receiving the biometric information to be identified from the service number retrieval device; The receiving module further includes receiving the identity information from the biometric information server, and receiving the image identification information from the identification image information server; an analysis module for querying the corresponding financial transaction records according to the identity information and analyzing the financial transaction records to generate financial product recommendation information; and The transmitting module further includes transmitting the identity information from the identification image information server, and transmitting the image identification information and the financial product recommendation information; and A closet device further includes receiving and displaying the image identification information and the financial product recommendation information from the transmission module. The proxy financial transaction system verified by biometric information according to claim 1, wherein the proxy financial transaction system verified by biometric information further comprises: A locker device receives an account opening written information and an ID card image information, receives the image identification information through an image module, receives the biometric information through a biometrics receiving module, and the locker device transmits the account opening document data, said identity card image information, said image identification information and said biometric information; and The bank server further includes: The receiving module receives the account opening written information, the ID card image information, the image identification information and the biometric identification information from the cabinet-facing device; a verification module for verifying the account opening written information and the identity card image information to generate a verification result; and The transmission module transmits the identity information and the image identification information to the identification image information server when the account opening is completed according to the verification result, and transmits the identity information and the biometric information to the the biometric information server. The proxy financial transaction system verified by biometric information according to claim 1, wherein when the biometric information is a fingerprint, there are fingerprint biometric information of at least two different fingers. An agent financial transaction method verified by biometric information, which comprises the following steps: A biometric information server correspondingly stores an identity information and a biometric information; A bank server correspondingly stores the identity information and a device information; an agent device receives a financial transaction information including the identity information and transmits and displays the financial transaction information; the bank server receives the financial transaction information from the agent device; The bank server queries the corresponding device information according to the identity information in the financial transaction information; The bank server transmits the financial transaction information to a corresponding client device according to the device information and displays it; The client device receives a biometric information to be identified through the biometric receiving module and transmits the biometric information to be identified to the bank server; the bank server transmits the biometric information to be identified to the biometric information server; The biometric information server performs biometric identification on the biometric information to be identified and the biometric information to generate an identification result and transmits the identification result to the bank server; The bank server performs a financial transaction or terminates the transaction according to the identification result and the financial transaction information, and generates the transaction result; the bank server transmits the transaction result to the client device and displays it; and The bank server transmits the transaction result to the agent device and displays it. The proxy financial transaction method verified by biometric information according to claim 6, wherein the proxy financial transaction method verified by biometric information further comprises the following steps: The client device receives an account opening written information and an ID card image information, receives the image identification information and an identification image data including the identification information through an image module, and receives the biometric identification through a biometric identification receiving module Information; The client device transmits the account opening written data, the identity card image information, the image identification information, the identity image data and the biometric identification information to the bank server; The bank server performs data verification on the account opening written information, the identity card image information and the identity image information to generate a verification result; The bank server transmits the identity information and the biometric information to the biometric information server when the account opening is completed according to the verification result; and The bank server transmits the identity information and the image identification information to the identification image information server when the account opening is completed according to the verification result. The proxy financial transaction method through biometric information verification as claimed in claim 6, wherein the method further comprises the following steps: An identification image information server correspondingly stores the identification information and an image identification information; A service number retrieval device receives a biometric information to be identified and transmits it to the bank server; the bank server transmits the identity information from the identification image information server; the biometric information server inquires out the corresponding identity information according to the biometric information to be identified and transmits the identity information to the bank server; the bank server transmits the identity information to the identification image information server; The identification image information server inquires out the corresponding image identification information according to the identity information and transmits the inquired image identification information to the bank server; The bank server inquires the corresponding financial transaction record according to the identity information and analyzes the financial transaction record to generate a financial product recommendation information; and The bank server transmits the image identification information and the financial product recommendation information to a counter device and displays them. The proxy financial transaction method through biometric information verification as claimed in claim 6, wherein the method further comprises the following steps: A written account opening document and an ID card image information of the said cabinet device, receive the image identification information through an image module, and receive the biometric identification information through a biometrics receiving module; The counter device transmits the account opening written information, the ID card image information, the image identification information and the biometric identification information to the bank server; The bank server performs data verification on the account opening written information and the ID card image information to generate a verification result; The bank server transmits the identity information and the image identification information to the identification image information server when the account opening is completed according to the verification result; and The bank server transmits the identity information and the biometric information to the biometric information server when the account opening is completed according to the verification result. The proxy financial transaction method through biometric information verification as claimed in claim 6, wherein when the biometric information is a fingerprint, there are fingerprint biometric information of at least two different fingers.

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