ATM is one of the products of perfect combination of electronic technology and banking business in the process of social development. The innovation of information technology has promoted ATM to be more intelligent and humanized. At present, ATM applications in China's financial industry are becoming more and more widespread. ATMs are getting closer to banks and customers, expanding banks' business outlets, improving customers' card use environment, providing all-weather, all-round financial services, and reducing banks. The operating costs, improving the service quality of the banking industry and comprehensive competitive strength are playing an irreplaceable role. Through ATM's innovative service development model, banks have expanded service space and time, reduced labor costs, improved their own efficiency and flexibility, and more importantly, they have established a brand-new image of high-tech banks in their minds.