KR20070072841A - Present cash management method and finance system using teller atm - Google Patents

Abstract

A financial system using a teller ATM(Automated Teller Machine) and a present cash management method thereof are provided to prevent missing of cash by managing the number of bills of each denomination in real time, and to rapidly compute the total of cash in finishing business. A financial system using teller ATMs(112,122,132) is composed of teller terminals(110,120,130) for displaying and storing the input information when information is input from a teller; the teller ATM receiving the bills according to each denomination by distinguishing the kinds of the bills and counting the number of bills, counting the bills for each denomination according to the information transmitted from the teller terminal and outputting the counted number of bills, and checking the number of bills for each denomination and summing up the bills; a manager terminal(140) for storing depositing and drawing information transmitted from the teller terminal and monitoring the present cash of the teller ATM; and a central server(150) for receiving the depositing and drawing information from the teller terminal and managing and supervising the financial information.

Description

Present cash management method and finance system using teller ATM}

1 is a block diagram of a financial system using a cashier automated teller machine according to a first embodiment of the present invention.

Figure 2 is a block diagram of a financial system using a cashier automated teller machine according to a second embodiment of the present invention.

3 is a block diagram of a financial system using a cashier automated teller machine according to a third embodiment of the present invention.

4 is a block diagram of a cashier automatic teller machine according to the present invention.

Figure 5 is a flow chart of the municipal management method using a cashier automatic teller machine when depositing in accordance with the present invention.

Figure 6 is a flow chart of the municipal management method using a cashier automatic teller machine at the time of withdrawal according to the present invention.

7 is a flowchart of a method of managing a billing system using a cashier's cash dispenser when settling according to the present invention.

* Description of the symbols for the main parts of the drawings *

110, 120, 130, 210, 220: cashier terminal

112, 122, 132, 230, 310-1, 310-2, 320-1, 320-2: cashier for cashier

140, 240, 340-1, 340-2: Administrator terminal

150, 250, 350: central server

The present invention relates to a financial system and a municipal management method using the cashier's cash dispenser for cashiers, and more specifically, to securely and quickly handle cash coming and going between the cashier and the customer in a financial institution and to provide the best service to the customer. The present invention relates to a financial system and a municipal management method using a cashier's cash dispenser.

In general, when a customer uses a cash dispenser to perform cash and withdrawal, check and withdrawal, and bank account transactions, but wants to perform business that is not performed at the cash dispenser, the account book and withdrawal slip must be filled out. Passed, cash, deposit slips and bank notes to the clerk.

Then, the cashier counts the cash to deposit or withdraw cash from the customer by hand or checks the cash using a counter and inputs the deposit and withdrawal information of the customer in the cashier's terminal based on the received slip, and the central server and information of the head office. By exchanging and storing the service, we provided the deposit and withdrawal service to the customer.

As such, cash-related transactions with cashiers were not automated throughout the cashier's work, and cashier terminals (PCs, monitors, keyboards, mice), bankbook organizers, check boxes, and keypads for password entry were placed on the desks. There was a very uncomfortable problem in the performance of the staff because the clerk processed the work using a lot of equipment such as printers, copiers, etc. located inside.

Because of this, there is a problem in that the service of the clerk cannot proceed quickly and safely when the customer comes to the window because the actual work automation is not made.

In addition, there was a problem in the settlement by counting the cash changed due to withdrawal and withdrawal by hand or by using a counter.

The present invention has been made to solve the problems of the prior art as described above, the object of the present invention is to automatically grasp the coefficients for each kind of banknotes that the customer wants to deposit and withdraw money, and to prevent accidents caused by neglecting the banknotes at the window Provides financial system and municipal management method using cash machine automatic cash dispenser for cashier to prevent real-time accident by managing the number of purchases by volume in real time.

Another object of the present invention to provide a financial system and municipal management method using a cashier automatic teller machine for the cashier can be processed quickly and accurately during the closing work of the cashier.

Still another object of the present invention is to provide a financial system and municipal management method using cashier ATMs for cashiers who can optimize operating funds, enhance security, and reduce installation and management costs by using a plurality of cashiers together. do.

Another object of the present invention is to use the cash machine for cashiers that can expand the management of the number of points as it is possible to grasp the possession of each member of the account through real-time terminal and share each of the accountant data. Provide financial system and municipal management methods.

Technical means according to the present invention for achieving the above object is a cashier terminal for displaying and storing the input information when input from the cashier; When depositing, the types of banknotes are determined and counted to store them by volume, and when withdrawal, the banknotes are counted and withdrawn according to the information transmitted from the accountant's terminal. Cash dispenser; An administrator terminal for storing deposit and withdrawal information transmitted from the accountant's terminal and monitoring the appearance of the cashier's cash dispenser; And a central server receiving and depositing and withdrawing information from the accountant terminal for managing and supervising financial information.

In order to achieve the above object, the technical method according to the present invention is to determine the command signal of the accountant transmitted from the accountant's terminal, in the case of the deposit order counting the cash deposited through the deposit unit according to the volume and stored by volume If the withdrawal order is counted by volume according to the information input to the accounting terminal, and withdraws through the withdrawal unit.In case of the settlement order, the settlement data is calculated by analyzing the initial value according to the volume and the data according to the withdrawn and withdrawn information. A process of transmitting to the accountant terminal is performed.

According to the present invention, it is possible to automatically grasp the coefficient for each kind of bills that the customer wants to deposit and withdraw money to prevent the accident caused by the neglect of the bills at the window, it is possible to manage the number of real-time to prevent the municipal accident.

In addition, cash flows can be processed quickly and accurately for the clerks' closing work.

In addition, multiple cashiers can use cashier ATMs for cashiers to further optimize and secure operating capital.

In addition, through the terminal connected to the cashier's cash dispenser for the cashier, it is possible to determine the possession of each accountant by type, in real time, and share the cashier data of each accountant, thereby extending the cash management system of the entire branch.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a financial system using a cashier's cash dispenser according to a first embodiment of the present invention, which is comprised of a cashier system A, a manager terminal 140 and a central server 150.

Here, the cashier system A includes a plurality of cashier terminals 110, 120, 130, cashier machines 112, 122, 132, cashiers 114, 124, 134, check MICR readers 116, 126. 136, and coin units 118, 128, 138.

The accountant terminals 110, 120 and 130 extract and display other additional information when the accountant's account number, name, etc. is input by the accountant.

In addition, the cashier terminals 110, 120 and 130 execute a program for the selected menu when the corresponding menu is selected according to the deposit and withdrawal slip received by the customer.

If the customer receives the deposit slip, when the clerk selects the deposit menu through the cashier terminals 110, 120, and 130, the deposit instruction signal is transmitted to the cashier's cash machine 112, 122, 132.

In addition, when the customer receives the withdrawal slip, when the cashier selects a withdrawal menu through the cashier terminals 110, 120, and 130, the withdrawal instruction signal is transmitted to the cashier's cash dispenser 112, 122, 132.

At this time, the cashier terminal 110, 120, 130 transmits the purchase data according to each volume corresponding to the amount and volume information received by the customer with the withdrawal instruction signal to the cashier ATM 112, 122, 132 for the cashier .

That is, the information for each volume is information about the priesthood, old priesthood information, 10,000 won for the amount, 5,000 won and 1,000 won.

The cashier's cash dispenser 112, 122, and 132 stores the number of purchase data according to each book stored initially, and bills according to the bills received and withdrawn according to the signal transmitted from the cashier terminals 110, 120, and 130. Copies are stored.

That is, when the deposit control signal is input from the cashier terminals 110, 120, and 130, the cashier's cash dispensers 112, 122, and 132 determine the number of bills placed on the deposit and execute the counting of the determined bills. After moving to the storage unit for each volume, it stores the number of sheets calculated for each volume after adding the number of sheets of bills deposited to each sheet of data stored just before the deposit. At this time, the discrimination of counterfeit bills is possible by discriminating the number of bills.

In addition, the cashier's cash dispenser 112, 122, 132, if the withdrawal control signal is input together with the purchase data for each volume corresponding to the amount of withdrawal from the cashier terminal (110, 120, 130), the corresponding bill, that is, Count the bills by volume and withdraw them to the withdrawal unit. At this time, the number of sheets calculated for each volume of the withdrawn banknotes is stored in the number of sheets of each volume stored immediately before the withdrawal.

That is, the cashier's cash dispenser 112, 122, and 132 classifies ten thousand, five thousand, and one thousand won tickets according to the priesthood or old priesthood information when the respective book and purchase information data are input from the cashier terminals 110, 120, and 130. Count and withdraw money, and unassigned denominations are returned.

If no classifier designation information is input from the clerk, the ten thousand, five thousand, and one thousand won bills shall be sorted and counted, regardless of the priesthood or ward.

In the automatic mode, only the first discriminated class is sorted, counted and withdrawn, and the other class is returned.

The counting indicators 114, 124, and 134 are electrically connected to the cashier's cash dispensers 112, 122, and 132, and display the number of purchases by volume at the time of deposit and the total amount of deposit, or the number of purchases by volume at the time of withdrawal. And thereby display the total withdrawal amount so that the customer can visually check the withdrawal state.

Check MICR recognizers 116, 126, and 136 are electrically connected to cashier terminals 110, 120, and 130, respectively, and decode MICR characters printed in magnetic ink at the bottom of the check when depositing checks. , 120, 130).

In this case, the cashier terminals 110, 120, and 130 read MICR characters transmitted from the connected check MICR recognizers 116, 126, and 136, respectively, and determine whether or not counterfeit money is present. Keep it in the compartment.

In addition, the cashier's cash dispenser 112, 122, and 132 counts the number of checks and adds the number of checks of the deposited checks to the purchase data of each book immediately before the check deposit. Save the number of copies.

In addition, the cashier ATM for the cashier 230 is displayed through a display unit (not shown) when the cash is insufficient or full. In other words, if the cash is insufficient, the cashier's terminal instructs to replenish the cash and the cashier replenishes the number of sheets specified by the depositor, and if the cash is full, the cashier's terminal instructs the cashier to collect cash and the cash is stored through the cashier. Retrieves the number of copies for each specified volume.

In addition, the cashier automated teller machine 230 for depositing the damaged banknote, when the forced deposit is instructed by the cashier deposits the damaged banknote, the banknote is stored in the collection unit.

Coin units 118, 128, and 138 are electrically connected to the cashier terminals 110, 120, and 130, respectively, so that control signals are transmitted through the connected cashier terminals 110, 120, and 130, respectively. Withdraw the corresponding coin.

In addition, coins are withdrawn according to the coin type and purchase information corresponding to the information entered by the cashier when the coin is withdrawn.

The manager terminal 140 is connected to a plurality of cashier machines 112, 122, 132 and cashier terminals 110, 120, 130, and withdrawal information from the cashier terminals 110, 120, 130. Is transmitted, it is possible to check the information of the bills and checks of the bills and checks stored in the cashier ATM (112, 122, 132) for cashiers to monitor the municipality in real time.

The central server 150 manages the account of the customer according to the deposit and withdrawal information, when the deposit and withdrawal information of the customer is transmitted from the cashier terminal (110, 120, 130).

Fig. 2 is a block diagram of a financial system using the cashier's cash dispenser according to the second embodiment of the present invention, and the cashier's cash automatic of the cashier system A in the banking system using the cashier's cash dispenser of the first embodiment. The switch further includes a switch.

The accountant terminals 210 and 220 extract and display other additional information when the accountant's account number and name are input by the accountant.

In addition, the cashier terminals 210 and 220 execute the program for the selected menu when the cashier selects the corresponding menu according to the deposit and withdrawal slip received by the customer.

If the customer receives the deposit slip, when the clerk selects the deposit menu via the cashier terminal, the deposit instruction signal is transmitted to the cashier's cash dispenser 230.

In addition, when the customer receives the withdrawal slip, if the cashier selects a withdrawal menu through the cashier's terminal cashier, the withdrawal instruction signal is transmitted to the cashier's cash machine 230 for the cashier. At this time, the cashier terminals 210 and 220 transmit the purchase data according to each volume corresponding to the amount information received by the customer together with the withdrawal instruction signal to the cashier ATM 230 for the cashier.

That is, when the cashier ATM machine 230 for each account is inputted from each of the switched cashier terminal (210, 220) and the purchase information data for each volume, classify and count ten thousand, five thousand and one thousand won according to the priesthood or old priesthood information. Unspecified sovereignty is returned.

If no classifier designation information is input from the clerk, the ten thousand, five thousand, and one thousand won bills shall be sorted and counted, regardless of the priesthood or ward.

In the automatic mode, only the first discriminated class is sorted, counted and withdrawn, and the other class is returned.

Cashier ATMs 210 and 220 are connected to at least two cashier terminals 210 and 220 through a switch so that at least two cashiers share and use the same.

At this time, the cashier ATM for the cashier 230 is provided with a switch (not shown) therein, and distinguishes the cashier using the cashier ATM for cashier 230 by operating the switch.

In addition, the cashier ATM for the cashier 230 may determine which cashier performed the deposit and withdrawal according to the operation of the switch, and may process and display the current status of the cashier according to the different cashier.

That is, it is possible to grasp the total municipality according to the volume stored in one cashier ATM machine 230 for each accountant, and also to determine the municipality according to the deposit and withdrawal of the two cashiers.

In addition, the cashier automatic teller machine 230 stores the purchase data according to the number of books initially stored, and stores the number of bills data according to the bills received and withdrawn according to the signal transmitted from the plurality of cashier terminals (210, 220) Doing.

That is, the cashier ATM for the cashier 230 determines the number of bills placed in the depositing unit when a deposit control signal is input from the cashier's terminal 210 or 220 after the switch is operated by any one cashier. After counting the determined bills, they are transferred to the storing section and stored for each book.The calculation is performed after adding the number of bills of the bills deposited to the number of book data corresponding to the corresponding member, that is, the number of bills stored for each book immediately before the deposit. Save the number of copies for each volume. At this time, the discrimination of counterfeit bills is possible by discriminating the number of bills.

In addition, the cashier ATM for the cashier 230, if the withdrawal control signal is inputted with the purchase data for each volume corresponding to the amount of withdrawal from the cashier terminal (210, 220) after the switch is operated by any one cashier, After counting the bills, that is, the respective bills, the withdrawals are withdrawn.

In this case, the cashier ATM for the cashier 230 stores the number of bills calculated after subtracting the number of bills of the bills withdrawn from the number of bills corresponding to the corresponding cashier, that is, the number of bills withdrawn from each book stored immediately before withdrawal. .

In addition, the cashier ATM for cashier 230 is displayed through the display unit (not shown) when the cash is insufficient or full. In other words, if the cash is insufficient, the cashier's terminal instructs to replenish the cash and the cashier replenishes the number of sheets specified by the depositor, and if the cash is full, the cashier's terminal instructs the cashier to collect cash and the cash is stored through the cashier. Retrieves the number of copies for each specified volume.

In addition, the cashier automated teller machine 230 for depositing the damaged banknote, when the forced deposit is instructed by the cashier deposits the damaged banknote, the banknote is stored in the collection unit.

The counting indicators 232 and 234 are electrically connected to a cashier's cash machine 230 for one cashier, and display the number and the total amount of payment according to the volume at the time of deposit, or the number and the number according to the volume at the time of withdrawal. The total withdrawal amount is displayed so that the customer can visually check the withdrawal status. At this time, the count indicators 232 and 234 of the cashier's side selected according to the switch operation of the cashier's cash dispenser 230 are displayed.

The check MICR recognizers 214 and 224 are electrically connected to the cashier terminals 210 and 220, respectively, and decode MICR characters printed in magnetic ink at the bottom of the check when the check is deposited to the cashier terminals 210 and 220. send.

In this case, the cashier terminals 210 and 220 read MICR characters transmitted from the connected check MICR recognizers 214 and 224, respectively, and determine whether counterfeit money is present. If the counterfeit money is not a counterfeit money, the cashier's cash dispenser 230 To be deposited and stored in the storage unit.

In addition, the cashier's cash dispenser 230 counts the number of checks, and then calculates the number of the checks selected by the switch, that is, the calculation of adding the number of checks for each volume of the checks to the number of each volume stored immediately before the check deposit. Store the number of copies for each check and bill.

The coin units 212 and 222 are electrically connected to the cashier terminals 210 and 220, respectively, and when a control signal is transmitted through the cashier terminals 210 and 220 according to the instructions of the cashier, coins corresponding to the corresponding amounts of money. To draw.

In addition, coins are withdrawn according to the coin type and purchase information corresponding to the information entered by the cashier when the coin is withdrawn.

The manager terminal 240 is connected to the cashier's automated teller machine 230 and the cashier's terminals 210 and 220, and financial information about the deposit and withdrawal from the cashier's terminals 210 and 220 is transmitted and the cashier's cash is used. The total book information and book number information stored in the automatic withdrawal machine 230 and the information of each bank account information and the number of books can be checked, so that the municipality is monitored in real time.

The central server 250 manages the account of the customer according to the deposit and withdrawal information when the deposit and withdrawal information of the customer transmitted from the accounting terminal (210, 220) is transmitted.

3 is a configuration diagram of a financial system using the cashier's cash dispenser according to the third embodiment of the present invention, and is used for the cashier of the cashier system A in the banking system using the cashier's cash dispenser according to the first embodiment. The ATM is provided with a communication unit (not shown) in the ATM.

That is, by assigning an IP address to the cashier's cash dispensers 310-1, 320-1, 320-1, 320-2 of the cashier system A and connecting them to the network, the manager terminal 340- at one point. 1, 340-2 to access cashier's cash dispensers 310-1, 320-1, 320-1, 320-2 and manager terminals 340-1, 340-2 at other branches. It is possible to monitor the municipality at one point in real time.

FIG. 4 is a configuration diagram of the cashier's cash dispenser according to the first embodiment of the present invention, and describes the cashier's cash dispenser 110 among the cashier's cash dispensers 110, 120, and 130. The cashier automatic teller machine 110 is provided with a power supply unit 110a, a control unit 110b, an operation unit 110c, a withdrawal unit 110d, a return unit 110e, a deposit unit 110f, a recovery unit 110g, It consists of the accommodating part 1110h and the display part 110i.

 The power supply unit 110a supplies the operation power of each component unit, and the control unit 110b controls the operation of each component unit in accordance with an input and output signal from a cashier terminal, and controls the coefficient display unit to display coefficients according to the volume. .

 The operation unit 110c is an operation button for the cashier to select a deposit or withdrawal, and transmits the selected signal to the control unit 110b.

When the withdrawal unit 110d transmits a withdrawal signal through the cashier terminal, the withdrawal unit counts and withdraws the banknote corresponding to the transmitted signal, and the return unit 110e determines the number of banknotes including the priesthood and the old one at the time of deposit, and then damages it. The bill is returned or defective, and the depositing unit 110f determines the number of bills and counts each bill and transmits the bills to the control unit 110b, and the collection unit 110g is forcibly depositing the damaged bills determined at the time of deposit. In this case, forcibly deposited damaged banknotes are stored, and the accommodating part 1110h stores the banknotes deposited for each volume.

The display unit 110i is turned off when a problem occurs, such as a mounting error of a tray provided with an accommodating unit for storing banknotes and a collecting unit for collecting the banknotes.

It also includes a counter (not shown) to count the number of banknotes to be withdrawn, withdrawn and replenished.

In addition, the cashier automatic teller machine according to the second embodiment is further provided with a switch, and when a plurality of cashiers use one cashier teller machine, the controller detects an operation signal of the switch and corresponds to the detected signal. We change to deposit and withdrawal mode of operated clerk.

In addition, the control unit changes to the cashier's deposit / withdrawal mode of the cashier who operated the switch, and controls to determine and count the deposit and withdrawal banknotes by volume, and applies the data of the correspondent, that is, the purchase data for each banknote rolled in and out of the banknote, before the withdrawal and withdrawal. Calculate and store the number data for each bill.

In addition, the cashier automated teller machine according to the third embodiment further includes a communication unit, and the control unit transmits the data of the municipal information to the corresponding manager terminal according to the control signal of the manager terminal at a specific point.

Figure 5 is a flow chart of the municipal management method using a cashier automatic teller machine when depositing in accordance with the present invention.

First, before starting work, take out the funds from the central bank, load them to the cashier's cash dispenser for each account, and then load the number according to the number on the cashier's terminal. do.

Next, when the deposit slip and the deposit amount are received from the customer, the information such as the corresponding account is inputted (11), and the bill is put in the cashier's cash dispenser and the deposit operation is executed. After discrimination and counting (12), the number of sheets according to the number is displayed (13) on the cashier terminal and the counting indicator.

In this case, if there is an additional amount of money to be deposited, such as a fee (14), the additional amount is inputted (15), and the total amount according to the additional amount is displayed on the number of copies according to the volume on the accounting terminal and the counter.

If the total amount is inconsistent with the sum of the deposit amount and the additional amount (17), the temporary stored money is returned (18), and if there is a match, the banknotes deposited are stored by volume (19).

Next, to store the data calculated by calculating the number of purchase data for each volume deposited in the number of purchase data before the deposit, and manages the customer's financial information by transmitting the customer's deposit details to the central server.

In addition, when there is a damaged banknote at the time of deposit, when the land is returned, the forced banknote is forcibly deposited by instructing the forced deposit through the cashier terminal. At this time, after counting the returned banknote forced payment, the counting result is displayed and stored in the collecting unit.

Figure 6 is a flow chart of the municipal management method using a cashier automatic teller machine at the time of withdrawal according to the present invention.

First, when the withdrawal slip and the bankbook are received from the customer, the corresponding account is input (21) and the call is requested, and the password is input from the customer.

Next, if the password is matched and approved (23), enter and display the number of copies according to the volume of the amount to be withdrawn. At this time, the display is also displayed on the counter 24 so that the customer can check.

Next, after counting and discharging the number 25 according to the indicated number of books and give the customer the passbook and withdrawal amount.

Next, to store the data calculated by calculating the number of copies of each volume withdrawal to the number of purchases by volume before withdrawal, and manages the customer's financial information by sending the customer's deposit details to the central server.

In addition, if the cash machine for the cashier lacks a bill, call the bill replenishment menu, set the bill in the deposit and then replenish the bill. The supplemented banknote is counted, the result of the counting is displayed on the cashier's terminal, and compared with the delivery slip document. At this time, the purchase data according to the supplemented volume is applied to the purchase data of each volume before replenishment, and the operation data is stored.

In addition, in order to withdraw the collected banknotes collected in the cashier's cash dispenser for the cashier, call the collection menu displayed on the cashier's terminal, input the number of collected banknotes for each kind, and instruct the collection of the banknotes. The bills are ejected. At this time, the purchase data according to the collected volume is applied to the purchased data for each volume before collection, and the operation data is stored.

Figure 7 is a flow chart of the municipal management method using the cashier automatic teller machine at the time of settlement according to the present invention.

First, if you want to settle the deposit and withdrawal status of the cashier's cash dispenser, the cashier calls the settlement menu through the cashier's terminal and instructs the settlement (31). After reading 32 information such as forced deposit, initial value, deposit / withdrawal, bill replenishment, bill collection, total amount for each volume according to forced deposit, and also display initial value, deposit / withdrawal, bill replenishment, bill collection, The total sum of each volume calculated by applying the forced deposit is displayed (33), and then the details are output (34).

Next, when the work is closed, the banknotes of the cashier's cash dispenser are collected and put into the central safe.

As described in detail above, the present invention can automatically grasp the coefficient for each banknote bill that the customer wants to deposit and withdraw money to prevent the accident caused by the neglect of the banknote at the window, and can be managed in real time to prevent the accident have.

In addition, cash flows can be processed quickly and accurately during the closing of the clerk.

In addition, multiple cashiers can use one cashier ATM to optimize operating funds, enhance security, and reduce installation and management costs.

In addition, managers at multiple branches can access real-time cash dispensers for different branches to identify real-time holdings by volume, and share cashier data at each branch to expand the cash management system for the entire branch.

Claims (9)

A relay terminal for displaying and storing the input information when the information is input from the relay member; When depositing, the types of banknotes are determined and counted and stored for each volume.In case of withdrawal, the banknotes are counted for each volume according to the information transmitted from the cashier's terminal. Cash dispenser; An administrator terminal for storing deposit and withdrawal information transmitted from the accountant's terminal and monitoring the appearance of the cashier's cash dispenser; A central system for receiving and depositing withdrawal information from the cashier terminal, the central server for managing and supervising financial information. The method of claim 1, wherein the relay terminal A coin unit for discriminating and counting a plurality of coins and for withdrawing a number of coins corresponding to the input information; A financial system using a cashier automatic teller machine for a checker; 2. The cashier machine of claim 1, wherein the cashier's cash dispenser A financial system using a cashier's cash dispenser further comprising a counting table timing to display the number of books per customer so that the customer visually identifies the amount of withdrawal and withdrawal. The method of claim 1, The cashier's cash dispenser further includes a switch, wherein the cashier's cash dispenser is shared by a plurality of cashier terminals. The method of claim 1, An IP address is set in the cashier's cash dispenser, and the banking system uses the cashier's cash dispenser to monitor the testimony at the manager terminal and monitor the testimony between different points. The cashier machine of claim 1, wherein A power supply unit supplying operation power to each component unit; An operation unit for instructing deposit and withdrawal; A controller for controlling the operation of each component; A counting unit for counting banknotes; A withdrawal unit for withdrawing banknotes; A return unit for returning abnormal banknotes; Receiving unit for storing bills; A recovery unit for recovering damaged bills; Banking system using a cashier for cash machine provided with; a storage unit for storing the bills. The cashier machine of claim 1, wherein A banking system using cashier's cash dispensers for cashiers to distinguish bills from old and new. Determine the command signal of the accountant transmitted from the accountant terminal, In the case of a deposit order, the cash deposited through the deposit department is counted according to volume, and then stored by volume. In the case of a withdrawal command, the withdrawal is made through the withdrawal unit by counting by volume according to the information input to the accounting terminal. In the case of a settlement order, a method for managing a test system of a financial system using a cashier's automatic teller machine that analyzes the initial value according to the volume and the data according to the deposit and withdrawal information and transmits the settlement data to the cashier terminal. The method of claim 8, In the case of a replenishment instruction, after storing another number of bills replenished through the deposit section, In the case of a recovery command, the number is counted for each volume according to the information input to the accounting terminal, and withdrawn through the withdrawal unit, A method of managing a test system of a financial system using a cashier's automatic teller machine that transmits the settlement data calculated by analyzing the purchase data for each volume of supplementary bills and collected bills at the settlement order to the cashier terminal.

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