FIELD: bank equipment for processing checks and cards using public communication network. SUBSTANCE: device for querying credit status of check or credit card using public telephone communication network has credit requesting terminal, which is connected to communication line, line multiplexer for serial access to communication lines, each of which is connected to corresponding credit request terminals. In addition device has multiplexer which is connected to router of public communication network in order to provide access to communication lines, and computing center for information processing. EFFECT: increased speed of processing requests for checks and credit cards. 10 cl, 17 dwg
