KR950011843B1 - Automatic teller machine - Google Patents

Abstract

The dispenser comprises a cash unit for providing cash to customers; a bankbook unit for printing the contents of the transactions and reading the magnetic information thereof; a main control system for controlling all the units including unit, the bankbook unit, a customer operation unit, and a specification printing unit; the customer operation unit for inputting the contents of transactions; and the specification printing unit for processing transactions according to the input of the customer and printing the contents of transactions.

Description

Automatic payment and withdrawal and withdrawal of cash and checks

1 is a block diagram of a cash and check automatic payment device of the present invention.

Figure 2 is a block diagram of the automatic deposit and withdrawal device of cash and check of the present invention.

3 is a block diagram of a MICR lead means of a check in the apparatus of the present invention.

4 is a block diagram of automatic printing means for the date of check issuance in the apparatus of the present invention.

5 is a block diagram of an image journal apparatus for security in the apparatus of the present invention.

6 is a block diagram of a coin withdrawal means in the apparatus of the present invention.

Figure 7 is a block diagram of a bank account arrangement and withdrawal means using the account in the apparatus of the present invention.

8 is a block diagram of an IC card unit in the apparatus of the present invention.

9 is a block diagram of a multi-channel remote audit unit in the apparatus of the present invention.

10 is a block diagram of a security means in the apparatus of the present invention.

11 is a block diagram of printing means of a deposit envelope in the apparatus of the present invention.

* Explanation of symbols for main parts of the drawings

DESCRIPTION OF SYMBOLS 1 Banknote apparatus part 2 Bank account apparatus part

3: Main unit controller 4: Guest control panel

5: card and specification table equipment part 6: coin withdrawal unit

7: relay operator 8: security device

9: remote monitoring device 10: envelope deposit

The present invention automatically pays cash and checks, such as cash and checks from a financial institution, and automatically deposits cash and checks for automatic payment (CD) and deposit and withdrawal (ATM) (cash check automatic teller) Or cash check and withdrawal machines)

Conventional cash dispensers (CD machines) have a dedicated reader to read the MICR characters recorded at the bottom of the check when paying the checks automatically, and read and decipher the characters using the head of the reader. There is a problem that the recognition error occurs frequently due to the cost increase due to the leader of the head and foreign material intervention of the head is not overcome.

In addition, a conventional cash dispenser prints a payment date when paying a check. This printing means uses a stamp, and the printing date of the stamp is inconvenient because the bank clerk must manually set the date every day.

In addition, the conventional automatic teller machine does not have a separate security device and relies on the security surveillance camera installed in the bank to have the authenticity of the user, thus lacking security, and the user incorrectly inputs a password more than a predetermined number of times during the automatic cash dispenser operation. There is a problem that it is difficult to provide sufficient trust necessary for monitoring the illegal behavior because it only alerts the officer in one case.

In addition, the conventional automatic teller machine provides only the release function of bills and does not provide the release function of coins, the customer using the device has to take the inconvenience, and the amount to be paid is limited to 10,000 won units, which is inconvenient to use. There is a problem.

In addition, a conventional cash dispenser cannot use a bank account other than a transaction using its own card (cash card or credit card), and only a separate bank account arranging device is provided so that the user may not wait at the bank window to clear the account. The bankbook organizer simply prints the transaction details, and it is not possible to carry out transactions such as deposits and withdrawals or wire transfers using its own bankbook, so that the amount of work of the bank clerks and customers in accordance with the transaction using the bankbook There is a problem that the inconvenience is increased.

In addition, the conventional automatic teller machine has a loading method using a magnetic diskette, so that the loading time is long, it is difficult to process the financial business quickly and difficult to diagnose and maintain when a failure occurs.

In addition, a conventional cash dispenser corresponds to one monitoring device per device to monitor whether each device has an error or cheating. Therefore, if a plurality of cash dispensers are installed and operated in a bank, monitoring is performed by each device. There are problems such as deterioration of monitoring efficiency, inconvenience in monitoring, and occurrence of monitoring stations due to the monitoring of multiple devices.

In addition, the conventional automatic teller machine, when an error occurs, the error occurrence situation is displayed as a specific code indicating the error, so that the error diagnosis must be performed by comparing this error code with a separate code list, which causes inconvenience in quick diagnosis and repair. There is a problem.

In addition, the conventional automatic teller machine detects and alarms when a physical shock is applied for the purpose of fraudulent activity from the outside, for example, forcible opening of the door, a blow for the purpose, or heating using a welding machine. Since there is no means to prevent damage to the device as well as the maintenance of security that can cope with theft lacks.

The above-mentioned problems with the conventional automatic teller machines are the same in ATMs (automation machine), especially when depositing using a money-sealed envelope, data such as account number of the envelope at the time of deposit. Since there is no means for printing, there is a problem that after the deposit is completed, the attendant collects them in batches and fills out the necessary items, and the operation of the device is inefficient and unreasonable.

Accordingly, an object of the present invention is to provide a cash and check automatic payment device and a deposit and withdrawal device that solve all the problems of the conventional automatic teller machine and cash check.

That is, the present invention reads the MICR characters recorded at the bottom of the check as image information when paying the check, and recognizes the characters through the analysis of the image information to accurately recognize information such as check number without using a separate dedicated reader. It aims to provide automatic payment and withdrawal and withdrawal of cash and checks that can be judged.

The present invention also provides an automatic payment and deposit and withdrawal device for cash and check, which enables automatic printing of the check issuance date by printing the date automatically from the computer according to the current date when the check is paid. For the purpose.

In addition, when the customer uses the device, the present invention captures the image of the customer with a CCD camera and records the photographed information on the pocketed hard disk together with the transaction contents and outputs this image on a computer screen as necessary. It aims to provide automatic payment and withdrawal and withdrawal of cash and checks to ensure a high level of security.

In addition, the present invention provides a more diversified financial services to customers by providing a means to pay coins in cash payment, cash and check to allow the limit of the cash payment unit and the segmentation of the withdrawal unit through this To provide automatic payment device and deposit and withdrawal device.

In addition, the present invention enables the customer to make transactions using his own card, as well as payment of cash using the bank account using his bankbook, thereby automating financial operations, reducing the amount of work of the cashier, and withdrawing the customer's cash. It aims to provide automatic cash and check payment devices and deposit and withdrawal devices for the purpose of streamlining.

In addition, the present invention by using the IC card (memory card) having a dedicated operating system (O / S) to load the program at a high speed by operating the system, and in the event of a failure, the dedicated O / S memory of the card unit easily It aims to provide an automatic payment and withdrawal and withdrawal device for cash and check.

In addition, the present invention provides a convenient and centralized monitoring of errors or security of the device by integrating and remotely monitoring a plurality of devices in a DAISY CHAIN method when a plurality of cash dispensers or cash check dispensers are installed in a bank. The aim of the present invention is to provide a cash and check automatic payment device and a deposit and withdrawal device to ensure high monitoring effects through the system, and to express failure information on the LCD screen in the event of a failure. do.

In addition, the present invention is to perform a vibration detection, temperature detection, door opening detection of the device, so as to keep the high security by promptly alerting the device when the device is bent or heat or forcibly opened for the purpose of fraudulent activities It aims to provide automatic payment and withdrawal and withdrawal of cash and checks.

In addition, an object of the present invention is to provide an automatic deposit and withdrawal device for cash and checks to automatically print data such as the account number of the envelope when the deposit is made using the envelope sealed with money.

Hereinafter, with reference to the accompanying drawings, the configuration of the present invention and the effect thereof according to the object for achieving the above object.

First, Figure 1 shows the configuration of the automatic payment device for cash and check of the present invention. Referring to the present invention, the present invention is a bill machine unit for printing the release of cash and checks, decrypting the MICR characters of the checks, and printing the issue date of the checks. And a bankbook device unit (2) which performs withdrawal processing according to printing and decryption of the magnetic information of the bankbook, a main device controller (3) which collectively controls the operation of the entire system, and a customer's transaction request. A customer operation unit 4 for inputting a card, a card and specification table device unit 5 for transaction processing and issuance of a transaction specification table according to a customer card input, and a coin withdrawal for discharge of a coin according to a customer's coin withdrawal request; Section 6, a cashier operator 7 for displaying the current state of the device and relaying the situation to the remote monitoring device while communicating with the main device controller; It consists of a security device (8) for acquiring, storing and detecting mechanical abnormality of the device, and a remote monitoring device (9) for remotely monitoring the state of each device. Also, automatic depositing of cash and checks shown in FIG. And the withdrawal device includes an envelope depositing portion 10 for depositing the money in the state that the money is stored in the envelope.

Therefore, the present invention, when the user initially operates the customer operation unit 4 for the purpose of using the device to provide information such as the desired transaction, for example cash payment, bank transfer, check payment, payment or transfer amount, this information The main unit control device 3 reads out and controls the corresponding device unit according to the read transaction request. When the customer's transaction request is made through the card, the card information of the customer input from the card and the specification table device unit 5 is controlled. Read out the transaction request information of the customer operation unit 4 together and control the corresponding device unit in accordance with the read transaction request; or, if the customer's transaction request is a transaction request using the account book, from the bank account device unit 2 The financial service is controlled by reading the bank account information of the customer and the transaction request input to the customer control unit 4 and controlling the device unit corresponding to the read transaction request. To do it dynamically.

Hereinafter, the functional effects of the apparatus of the present invention configured as described above will be described with reference to FIGS. 3 to 11.

First, Figure 3 shows the means for reading the check and release the cash and check MICR letters in Figures 1 and 2 above, especially the MICR letters written at the bottom of the check when paying checks on CD machines. Read and manage the check serial number. That is, upon receipt of the command from the main machine control device 3, the bill machine unit 1 discharges a check stored in a check cassette mounted on the bank machine unit to the payment unit (this operation also applies to the release of the cash bank note). .). At this time, in order to print the check issuance date, the print head of the dot printer 1A installed in the banknote machine unit 1 is positioned (approximately 30 cm), and the stop position of the check to be released is the stop sensor 1B. Detects and sends the check release stop signal to the image storage board (1D).

The moment the check release stop signal is received, the CCD camera module (1C) operates to capture the printed portion of the MICR character located at the bottom of the check, read the image information of the character, and store it in this information image storage board (1D). 1D stores the input image information in the internal memory as digital information and transmits it to the main device controller 3.

The main device controller 3 reads the text image information of the check from the image storage board 1D and sets this information to set the reference value (a character region and a background region (non-text region) for character recognition). Compared to the reference value of brightness), the text area and the non-character area are stored in the internal memory as digital values, and then the software for character recognition (3A), that is, the image for each character previously stored to recognize the input character. When a character with the maximum approximation is found in comparison with the information, a series of character recognition processes are performed to recognize the input character at that time as the corresponding character, and the MICR character of the currently released check is confirmed as a result of the character recognition process. If the character is not read at this time, the character recognition process is repeated a predetermined number of times and the character is read even during this time. If not, give it released only one checks because the checks do not emit a reject (REJECT) always correctly read books.

Therefore, since recognition is performed from image information of characters without using a conventional MICR reader having a dedicated character head, it is possible to recognize a check MICR character at a low price, and the MICR character has a standardized pattern called an E13B font. As a result, character recognition through image analysis can secure a recognition rate close to 100%, and unread checks are rejected, preventing checks from being released due to errors, thereby making it possible to provide reliable checks, especially devices using MICR readers. In the present invention, one character is read at a time and processed, but in the present invention, a plurality of characters are processed at a time as an image unit, thereby ensuring fast character recognition and guaranteeing a fast check payment service. In the case of installing the MICR reader, the bills are transferred due to the lead characteristics of the heads Although the device part needs to be redesigned, the present invention applies a CCD camera module so that the MICR reader function can be easily provided.

On the other hand, Figure 4 shows a means for automatically printing the date using a dot printer on the date printing portion of the check to be paid at the time of payment of the check in the CD machine.

That is, under the control of the main machine controller 3, the paper machine unit 1 in the banknote machine unit control board 3B of the main machine controller 3 discharges the check from the check cassette and stops the sensor 1B. If it is detected that the check is in the correct position (stop) in the head portion of the check printing dot printer (1A) at this time by operating the dot printer (1A) and prints the date of occurrence of the check.

At this time, the date to be printed automatically prints the current date set in the main apparatus control device 1 or the date automatically matched with the host computer as the check issuance date.

Therefore, it is possible to eliminate all inconveniences caused by the date adjustment and stamp printing by the staff of the existing check issuance date, and conventionally, the remaining check at the end of the work (check stamped on the date in advance in the expected quantity issued on the same day). Although the loss of the check is caused by discarding the present invention, the present invention automatically prints and releases the date of the day in the release stage of the check, thereby preventing check waste and simplifying or automating check issuance.

In addition, the check printing date is printed using a dot printer, which enables clear and beautiful printing, easy maintenance such as replacement of the print ribbon, and when printing other than the issue date is required (for example, the number of existing stamps is only Although printed, the present invention uses a dot printer, so that it is possible to actively cope with the case where printing of various characters is required).

Figure 5 is a cash and check automatic payment device of the present invention and as a security device in the deposit and withdrawal device, when the customer uses the device on the CD machine as necessary to take a picture of the customer and the user at the time with the photographed image information It shows an image journal device that stores the account number, etc., so that it can be used as future identity inquiry information. The operation is as follows.

When a user uses a card in front of the device, if the inquiry results in a transaction that has been stopped or a stolen card is being used, the main device is provided with the information from the host computer to the main device controller (3). The control device 3 operates the CCD camera module 8A to capture the user's image and the captured image information is stored in the image storage board 8B.

The user's image information stored in the image storage board 8B is read by the main device controller 3 and compressed through a data compression process, and the parallel port (Parallel) together with the account number recorded on a transaction medium such as a card or a bankbook when using the device Port Hard Disk (3C), which can be mounted in the port), and this information is separated from the Pocket Hard Disk (3C) if necessary, and the Pocket Hard Disk is connected to a general IBM PC compatible computer using a parallel port. After reading the information stored in this pocket hard disk and displaying it on the monitor, you can inquire necessary information such as user's identity and account number.

Therefore, according to the security device of the present invention has a drawback of the method of recording the image information recorded using a conventional CCD camera on the video tape, that is, the security flaw of shooting in an exposed state outside the device, continuous user shooting Overcoming all the disadvantages, such as recording unnecessary information and limitations on the amount of information recorded on the videotape, the user's image at any moment or continuous shooting (not only the moment of use of the stolen or lost card, Image capture) to prevent waste of the recording media, and to capture the front image from the front of the user using the card (looking at the front of the device and the user is trading, Installed in the opposite position from the front) and the user's image and Since the query including the number L of simultaneous storage it is possible to maintain the high security and high reliability according to this.

In addition, since the image can be compressed and stored as digital information, the storage efficiency of the recording medium can be maximized. The recording medium is a pocket hard disk that can be mounted and detached from a parallel port, so that the storage medium can be easily stored and moved. You can easily search your identity transaction history on your computer.

Figure 6 shows a device for withdrawing coins during the discharge (disbursement) of the cash in the device of the present invention, the user's request to withdraw coins (that is, up to ten thousand units through the customer control unit 4) If necessary, remove the Pocket Hard Disk (3C) and connect the Pocket Hard Disk to a general IBM PC compatible computer through the parallel port. Then, the information stored in this Pocket Ad Disk is read and displayed on the monitor. You can look up necessary information such as identity and account number.

Therefore, according to the security device of the present invention has a drawback of the method of recording the image information recorded using a conventional CCD camera on the video tape, that is, the security flaw of shooting in an exposed state outside the device, continuous user shooting Overcoming all the shortcomings such as recording unnecessary information and limitations of the amount of recorded information on video tapes, the user's image at any moment or continuous shooting (the moment of use of the card Image capture) to prevent waste of the recording media, and to capture the front image from the front of the user using the card (looking at the front of the device and the user is trading, Installed in the opposite position from the front) and the user's image and Since the query including the number L of simultaneous storage it is possible to maintain the high security and high reliability according to this.

In addition, since the image can be compressed and stored as digital information, the storage efficiency of the recording medium can be maximized. The recording medium is a pocket hard disk that can be mounted and detached from a parallel port, so that the storage medium can be easily stored and moved. You can easily look up your identity and transaction history on your computer.

Figure 6 shows a device for withdrawing coins during the discharge (disbursement) of the cash in the device of the present invention, the user's request to withdraw coins (that is, withdrawal request of 10,000 units or less through the customer control unit 4) If the coin withdrawal is required by the main device control device 3 and the coin withdrawal is required, the coin withdrawal control device 6B discharges coins of each Hopperl-Hopper4 6A through communication with the main device control device 3. do.

That is, the coin withdrawal control device 6B supplies power from the power supply device 6C to each hopper 6A, and on the other hand, information on the type and number of coins emitted by the main device control device 3; Receive and control the hopper (6A) as the kind of coins (10, 50, 100, 500 won) and the number of coins to release the coins.

Therefore, the automatic payment device and the deposit and withdrawal device of the cash and check of the present invention is carried out using coins and withdrawal coins for various units to customers by using the coins and also the subunits of ten thousand dollar bills or checks. We can offer service of cash payment in

On the other hand, Figure 7 is a block diagram of the withdrawal and bankbook cleaning function using the passbook made in the passbook device unit 2, the customer reads the MSR of the passbook when the bankbook is inserted into the passbook entry port of the passbook device unit (2) On the basis of the information, the main device control unit 3 conducts account inquiry through communication with the hoist computer, and if the customer reads the transaction request input by operating the customer control unit 4, and the bankbook rearranging request, the account book which has been generated in the past After printing the transaction details in the relevant column, and withdrawal is requested, the banknote machine unit 1 and coin withdrawal unit 6 are controlled as described above after the input and inquiry of the bill number and the like are completed. Pay the amount of money.

Therefore, the cash and check automatic payment device and the deposit and withdrawal device of the present invention can be withdrawn by the customer by using the bank account can reduce the burden on the cashier and contribute to the automation of bank teller work, It is possible to improve the operational efficiency of financial service equipment by processing the paging machine and cash dispenser in one integrated device and line.

8 shows an IC card device for program loading of the main device control device 3 in the automatic payment device for cash and check and the deposit and withdrawal device according to the present invention. It is a secondary memory device that saves the program except the method of system booting.

That is, the memory card 3D programmed to be bootable is connected to the memory card interface board 3F mounted on the main controller 3 using the memory card connection device section 3E, and power is applied. When the main controller 3 loads the program of the memory card 3D through the memory card interface 3F and performs a system boot.

Therefore, the cash and check automatic payment device and the deposit and withdrawal device of the present invention perform booting and program loading using a memory card 3D, so that the booting speed is higher than that of a conventional magnetic diskette or a program loading method. And memory cards, which are program-loadable and compact sized recording media, improve maintenance and repair. Memory cards, which are semiconductor memories, improve physical properties of magnetic diskettes, ie damage due to flexibility and contamination. Data can be safely preserved by eliminating shortcomings such as loss of information due to contact, and can be prevented from damage due to its robust mechanical properties.If only the memory card (3D) is removed from the device, the device can be operated. It will not be possible to maintain a high level of security.

Figure 9 shows a multi-channel remote monitoring device capable of simultaneously monitoring a plurality of devices with a single remote monitoring device in the cash and check automatic payment device and the deposit and withdrawal device of the present invention.

That is, the remote monitoring device 9 classifies the operation state of the current device by each item, for example, classifies the operation state of the device into about 8 kinds, and monitors at a place separated from the device through the LEDs indicating each state. And relays the operation information from the maintenance controller of the relay operator 7 installed inside the device to display the current device status with the indicator of the remote monitoring device 9, and Through communication, the current state of the device is displayed on the LCD 7A and relayed to the remote monitoring device 9.

When the staff calls the device, the buzzer provided in the remote monitoring device 9 is sounded, and when several devices are installed at one point, communication with the remote monitoring device 9 is relayed by a maintenance controller of a neighboring device. Multi-channel monitoring of small number of devices by using daisy chain method to receive and transmit.

Therefore, the cash and check automatic payment device and the deposit and withdrawal device of the present invention can monitor a plurality of devices on one line, reducing the line and monitoring a plurality of devices through a relay with one remote monitoring device (9). Intensive monitoring is possible, and by implementing a daisy chain method, it is possible to improve the convenience of device operation by reducing rotation.

10 is a security device applied to the automatic payment device and the deposit and withdrawal device of the cash and check of the present invention, the door opening sensor (8E) is installed in the door of the device, the key lock device (8G) is not turned on (Do not use key) Detects the opening of the door and if the door is open, the detected state is abnormal. This detected information is supplied to the maintenance controller 8F, and the vibration sensor 8C made of a piezoelectric element When the vibration level occurs when the tool strikes the machine and the vibration level is higher than the set level, the detection information is supplied to the maintenance controller 8F and the regular vibration generated by the tool such as a drill is detected to detect the vibration information. Is supplied to the maintenance controller 8F, and the heat sensor 8D controls the temperature rise in the case of the device or inside the device generated by the equipment such as a welding machine. Paper and supplies the detected information to a maintenance controller (8F).

The maintenance controller 8F operates its own alarm means (eg, a siren sound) when the detection information indicating the abnormality is input by receiving the information supplied from the respective sensors, and the abnormality detection information is transmitted to the main device control device ( 3), the main device control device (3) receives the abnormal detection information to drive the external alarm and security equipment.

Thus, according to the automatic payment device and the deposit and withdrawal device of the cash and check of the present invention by establishing an integrated security network, such as vibration, heat, opening the door to manage the safety of the device, it is possible to maintain a high level of security for the device High reliability can be secured.

Figure 11 shows the function of printing the character information, such as account number on the envelope when the deposit is made using the envelope in the automatic deposit and withdrawal device of cash and check of the present invention, the customer in the envelope deposit section 10 When the envelope with the cash is inserted, the main unit controller 3 reads it and operates the stamp printing apparatus 10A to print the necessary information (account number, etc.) on the specific portion of the envelope, for example, the top of the envelope. will be.

One example of depositing an envelope is to have a deposit envelope and a deposit application standardized in a certain form in advance, and the customer fills out the deposit application, puts cash and coins in a standard envelope (seal bag), seals the top of the envelope, When the envelope is inserted at the entrance of the deposit machine, the envelope depositing unit 10 detects this and transfers the envelope to the stamp printing position, and then prints the necessary data on the envelope according to the information entered during the transaction and the information of the used card. After the transaction is completed, the envelope is stored.

Here, the stamp printing apparatus 10A rotates a stamp roller (with a type for printing on the outer circumferential surface) with a stamp ink ribbon to rotate the letter portion to be printed at the printing position of the deposit envelope, and then a person stamps the stamp. Like a stamp, you can use a stamping device that allows you to stamp letters on the envelope using operations such as solenoids.

Since stamps are stamped like this, printing is possible even if coins are in the deposit envelope.

Therefore, the automatic deposit and withdrawal device of cash and check of the present invention automatically prints the envelope using a stamp, and has a sufficient margin between the print head and the envelope than a conventional dot printer, so that the deposit amount is large and coins are deposited. In the case of an envelope, printing with a dot printer conventionally causes damage to the head, but the present invention is stamp printing, so that coin deposit is possible.

As described above, according to the present invention, when applied to a CD or ATM machine, high security, convenience of device operation, low cost device provision and operation, and a variety of financial services using a reliable device operation coin or bill check Pursuing the convenience of customers through withdrawal by bankbook, automating or simplifying the bank's financial affairs, and ensuring efficient financial affairs, intensive and simple operation of high security and security equipment, and improving the reliability of the device Therefore, it is possible to secure a high quality and various functions as a single device, and to improve the quality of a slumping service device that performs cash and check payment, a transaction using a card or a bankbook.

Claims (21)

Banknote machine unit 1 for delivering cash to the customer, bankbook machine unit 2 for performing the withdrawal process according to printing and decryption of the magnetic information of the bankbook according to the transaction history of the bankbook, and the banknote machine unit 1 A main device controller (3) for overall control of the operation of the entire system, including a bankbook device section (2), a customer control section (4), a card and a specification table device section (5), and a transaction request of the customer. A cash and check automatic payment device including a customer operation unit (4), and a card and statement table device unit (5) responsible for transaction processing and generation of a transaction statement according to a card input of a customer. The automatic payment device for cash and check according to claim 1, characterized in that the bill instrument unit (1) is configured to discharge cash and checks, decipher MICR characters of the checks, and print a check issuance date. The coin withdrawal unit (6) according to claim 1 or 2, wherein the coin withdrawal unit (6) is in charge of the discharge of a coin according to a customer's coin withdrawal request through the customer manipulation unit (4) under the control of the main device controller (3). Automatic payment device, including cash and check. 3. The relay operator control unit (3) and the main apparatus control unit (3) according to claim 1 or 2, which communicate with the main apparatus control unit to display the current state of the apparatus and relay the situation to the remote monitoring apparatus. Including the LCD (7A) to monitor the operation status of the device at a remote location through the relay of the relay operator 7 receives the information retrieved the status of each device from the (7) to display the current state of the device, Automatic payment device for cash and checks, including a remote monitoring device (9) which communicates in a daisy chain manner. The bill banking device (1) according to claim 2, wherein the bill machine (1) includes: a dot printer (1A) for printing on a check to be discharged, a stop sensor (1B) for detecting a stop position after the discharge of the check to be discharged, and CCD camera module 1C for acquiring the image information of the MICR character of the check, an image storage board ID storing the image information, and image information of the image storage board ID. Automatic payment of cash and checks, including a character recognition software 3A for reading from the book) and a bill recognition unit control board 3B for controlling the banknote machine unit from the main machine controller 3; Device. The main device control apparatus (3) according to claim 1 or 2, further comprising: a memory card (3D) programmed for system booting, a memory card connection mechanism (3E) for connecting the memory card, And a memory card interface board (3F) in charge of an interface for receiving a program of the memory card (3D) connected to the memory card connection mechanism (3E) from the main device controller. The coin withdrawal unit 6 according to claim 3, wherein the coin withdrawal unit 6 operates the hopper 6A under the control of a plurality of hoppers 6A for carrying out individual discharge of coins for each unit and the main device controller 3. And a coin withdrawal control device 6B for discharging coins of the face value requested by the customer, and a power supply device 6C for supplying power to the hopper 6A under the control of the coin withdrawal control device 6B. Automatic payment device for cash and check. [3] The security device according to claim 1 or 2, further comprising: a security device for acquiring and storing image information of a giant using a CD device for financial services under the control of the main device control device 3, and for detecting a mechanical abnormality of the device (3). 8) Automatic payment of cash and checks, including. 9. The security device (8) according to claim 8, wherein the security device (8) comprises: a CCD camera module (8A) for capturing an image of a device user, an image storage board (8B) for storing the photographed image information, and the image storage board ( A cash and check automatic payment device including a hard disk (3C) for compressing and storing the image information of 8B) together with the account number. 9. The security device (8) according to claim 8, wherein the security device (8) detects a vibration sensor (8C) for detecting physical vibration of the device, a thermal sensor (8D) for detecting a temperature rise of the device, and a door opening of the device. And a door opening sensor (8E) and a maintenance controller (8F) for receiving the detection information of each sensor and performing an alarm and transmitting the alarm information to a security facility of a financial institution. 10. The cash and check system of claim 9, wherein the hard disk 3C is connected through a parallel port and detachable and connected to an IBM PC compatible computer to monitor and query image information. Automatic payment device. Banknote device unit (1) for discharging cash and checks, decoding MICR characters for checks, and printing the date of issue of checks, and bankbook machine units for withdrawal processing according to printing and deciphering of magnetic information in bank accounts (2), and the overall operation of the system, including the bill machine 1, bank account unit 2, customer operation unit 4, card and specification sheet machine unit 5, envelope deposit unit 10 A main device control device 3 for controlling, a customer operation unit 4 for inputting a transaction request of a customer, and a card and specification device unit 5 in charge of transaction processing and issuance of a transaction specification table according to a card input of a customer And, under the control of the main device control device (3) cash and check including a deposit depositing section (10) for depositing the money in the state that is stored in the envelope and the stamp printing on the envelope surface at the time of deposit; Automatic deposit and withdrawal device. The cash according to claim 12, further comprising a coin withdrawal unit 6, which is controlled by the main machine control device 3 and is responsible for discharging a coin according to a customer's coin withdrawal request through the customer operation unit 4; And automatic deposit and withdrawal of checks. The communication apparatus according to claim 12, further comprising: a cashier operator 7 for displaying the current state of the device and relaying the situation to the remote monitoring device while communicating with the main device control device; Receiving the information retrieved the state of the device is received through the relay of the relay operator (7) monitors the operation status of the device at a remote location and includes an LC (7A) to display the current state of the device, daisy chain method between adjacent devices Automatic deposit and withdrawal of cash and checks, including a remote monitoring device (9) to communicate with. A bill printer 1 according to claim 12, comprising: a dot printer 1A for printing on a check to be discharged, a stop sensor 1B for detecting a stop position after discharge of the check to be discharged, and CCD camera module 1C for acquiring the image information of the MICR character of the check, an image storage board 1D in which the image information is stored, and image information of the image storage board 1D in the main device controller 3; Automatic depositing of cash and checks, including a character recognition software 3A for reading from and recognizing it as a character, and a bill instrument part control board 3B for controlling the bill instrument part from the main device controller 3; Withdrawal device. 13. The apparatus according to claim 12, wherein the main device controller (3) comprises a memory card (3D) programmed for system booting, a memory card connection mechanism (3E) for connection of the memory card, and the memory card connection. A device for automatically depositing and withdrawing cash and checks, including a memory card interface board (3F) in charge of an interface so that a program of the memory card (3D) connected to the mechanism section (3E) can be loaded by the main device controller. The coin withdrawal unit (6) according to claim 13, wherein the coin withdrawal unit (6) operates the hopper (6A) under the control of a plurality of hoppers (6A) for performing individual discharge of coins for each unit and the main device controller (3). And a coin withdrawal control device 6B for discharging coins of the liquid level required by the customer, and a power supply device 6C for supplying power to the hopper 61 under the control of the coin withdrawal control device 6B. Automatic deposit and withdrawal of cash and checks. A security device (8) according to claim 12, comprising a security device (8) under the control of the main device control device (3) for acquiring and storing image information of a trader using an ATM for financial services and for detecting a mechanical abnormality of the device. Automatic deposit and withdrawal of cash and checks. 19. The security device (8) according to claim 18, wherein the security device (8) comprises: a CCD camera module (8A) for capturing an image of a device user, an image storage board (8B) for storing the photographed image information, and the image storage board ( 8B) Automatic deposit and withdrawal of cash and check, including a hard disk (3C) for compressing and storing the image information of 8B) with the account number. The apparatus of claim 18, wherein the security device (8) comprises a vibration sensor (8C) for detecting physical vibration of the device, a thermal sensor (80) for detecting a temperature rise of the device, and opening of the door of the device. And a door opening sensor (8E) for sensing, and a maintenance controller (8F) for receiving detection information of each sensor and performing an alarm and transmitting the alarm information to a security facility of a financial institution. [Claim 20] According to claim 19, The hard disk (3C) is connected through a parallel port is detachable and separated and connected to an IBM PC compatible type of computer by monitoring the information of the parallel pocket hard disk consisting of a cash and Automatic deposit and withdrawal of checks.