Item capture research system

• US 7,363,290 B1
• Filed: 04/16/2001
• Issued: 04/22/2008
• Est. Priority Date: 04/14/2000
• Status: Expired due to Term

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wachovia Corporation (Wells Fargo & Company)
• Inventors: Daniel, Douglas G. Jr., Beck, Terry H.
• Primary Examiner(s): Breene; John
• Assistant Examiner(s): To; Baoquoc N.
• Application Number:
  US09/835,791
• Time in Patent Office: 2,563 Days
• Field of Search: 707/204, 707/202, 707/10, 707/100, 707/102, 707/101, 382/305, 382/309, 705/70, 705/41
• US Class Current: 707/673
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An item capture research system having an item capture subsystem, a transaction data archive subsystem, an image data archive subsystem and a research engine. The item capture subsystem captures and stores transaction data and image data for items, such as checks. The transaction data subsystem has multiple data structures for the storage and retrieval of transaction data information, including, an on-us items data structure, a transit items data structure and an all items data structure. Each such data structure includes an online index to an offline archive file. The image data archive subsystem includes image databases for on-us item images, transit item images and white paper images. An online index to the offline image data is provided for. A research engine provides for efficient search and retrieval of image data and transaction data.

Claims

1. An item capture research system, said system comprising:

(a) an item capture subsystem comprising a document processor and an image camera for capturing images and information from each of plurality of items each of which relates to a transaction, wherein the plurality of items are comprised of on-us items and cash letter items;

(b) an image archive subsystem comprising an on-us items image database for storing images of the captured on-us items and a cash letter items image database for storing images of the captured cash letter items; and

(c) a transaction data archive subsystem for storing the information captured from the plurality of items, said transaction data archive subsystem having a multiple data structures, said multiple structures of said transaction data archive subsystem being comprised of;

(i) an on-us items data structure, said on-us items data structure being further comprised of an on-us items archive file that is stored offline and an on-us items archive index, wherein the on-us items archive index is an index to the on-us items archive file and is stored online, (ii) an all items data structure, said all items data structure being further comprised of an all items archive file that is stored offline and an all items archive index, wherein the all items archive index is an index to the all items archive file and is stored online, and (iii) a cash letter items data structure, said cash letter items data structure being further comprised of a cash letter items archive file that is stored offline and a cash letter items archive index, wherein the cash letter items archive index is an index to the cash letter items archive file and is stored online; and

(d) a research engine for receiving an item request, said item request comprising a request for information stored in the transaction data archive subsystem, and directing a response to the item request, said research engine comprising a request interpreter, a request director, and a request processor;

wherein on-us items are items that are drawn on a financial institution capturing the item, and cash letter items are items that are drawn on a financial institution other than a financial institution capturing the item.

2. The system of claim 1, wherein the on-us items data structure is further comprised of a plurality of credit transactions and a plurality of debit transactions.

3. The system of claim 2, further comprising an associator, wherein each of the plurality of credit transactions and debit transactions is associated with an account number via the associator.

4. The system of claim 3, wherein each of the plurality of credit transactions and debit transactions is comprised of MICR codeline data, a posted account number, a bank ID number and a posting date.

5. The system of claim 4, wherein the MICR codeline data for each of the plurality of credit transactions is comprised of an account number for an associated payee account, an amount and a credit account code.

6. The system of claim 5, wherein each of the plurality of credit transactions is associated with one or more corresponding debit transactions via the associator, and wherein each of the one or more corresponding debit transactions is associated with an account number associated with a payor account via the associator.

7. The system of claim 6, wherein the MICR codeline data for each of the plurality of credit transactions is further comprised of one or more additional data fields selected from the group consisting of a routing/transit number, a serial number and a process control field.

8. The system of claim 6, wherein each of the plurality of credit transactions is further comprised of at least one additional data field selected from the group consisting of a sequence number, transaction code and import source.

9. The system of claim 4, wherein the MICR codeline data for each of the plurality of debit transactions is comprised of a routing/transit number, an account number for the associated payor account and an amount.

10. The system of claim 9, wherein each of the plurality of debit transactions is associated with a corresponding credit transaction via the associator, and wherein each of the corresponding credit transactions is associated with an account number associated with a payee account via the associator.

11. The system of claim 10, wherein the MICR codeline data for each of the plurality of debit transactions is further comprised of at least one additional data field selected from the group consisting of a serial number and a process control field.

12. The system of claim 10, wherein each of the plurality of debit transactions is further comprised of at least one additional data field selected from the group consisting of a sequence number, transaction code and import source.

13. The system of claim 1, wherein the all items data structure is further comprised of a plurality of debit transactions.

14. The system of claim 13, wherein the MICR codeline data for each of the plurality of debit transactions is comprised of a routing/transit number, an account number for the associated payor account and an amount.

15. The system of claim 13 further comprising an associator, wherein each of the plurality of debit transactions is associated with a corresponding credit transaction via the associator, wherein each of the corresponding credit transactions is associated with an account number associated with a payee account via the associator.

16. The system of claim 15, wherein the MICR codeline data for each of the plurality of debit transactions is further comprised of at least one additional data field selected from the group consisting of a serial number and a process control field.

17. The system of claim 15, wherein each of the plurality of debit transactions is further comprised of at least one additional data field selected from the group consisting of a sequence number, transaction code and import source.

18. The system of claim 1, further comprising an associator, wherein the on-us items data structure is comprised of a plurality of transactions, wherein each of the plurality of transactions of the on-us items data structure is associated with a corresponding transaction stored in the all items data structure via the associator.

19. The system of claim 1, further comprising an associator, wherein the cash letter items data structure is comprised of a plurality of transactions, wherein each of the plurality of transactions of the cash letter items data structure is associated with a corresponding transaction stored in the all items data structure via the associator.

20. The system of claim 1, further comprising an associator, wherein each of the plurality of transactions of the cash letter items data structure is associated with a corresponding transaction stored in the on-us items data structure via the associator.

21. The system of claim 1, wherein the on-us items image database is comprised of a plurality of images, wherein the on-us items data structure is comprised of a plurality of transactions, wherein each of the plurality of images of the on-us items image database is associated with a corresponding one of the plurality of transactions of the on-us items data structure.

22. The system of claim 1, wherein the on-us items image database is comprised of a plurality of images, wherein the all items data structure is comprised of a plurality of transactions, wherein each of the plurality of images of the on-us items image database is associated with a corresponding one of the plurality of transactions of the all items data structure.

23. The system of claim 1, wherein the cash letter items image database is comprised of a plurality of images, wherein the cash letter items data structure is comprised of a plurality of transactions, wherein each of the plurality of images of the cash letter items image database is associated with a corresponding one of the plurality of transactions of the cash letter items data structure.

24. The system of claim 1, wherein the cash letter items image database is comprised of a plurality of images, wherein the all items data structure is comprised of a plurality of transactions, wherein each of the plurality of images of the cash letter items image database is associated with a corresponding one of the plurality of transactions of the all items data structure.

25. The system of claim 1, wherein said on-us items image database is comprised of a bank ID number, an account number, and an image date.

26. The system of claim 1, wherein said cash letter items image database is comprised of a sorter ID number, an image date, and a sequence number.

27. The system of claim 1, wherein said image data archive subsystem is further comprised of a white paper image database for storing images of white paper.

28. The system of claim 27, wherein said white paper image database is comprised of an account number and an image date.

29. The system of claim 1, wherein said image data archive subsystem is further comprised of an image data index.

30. The system of claim 29, wherein said image data index is comprised of an image date, a sorter ID number, a sorter cycle and a sequence number.

31. The system of claim 30, wherein said image data index is further comprised of a database identifier.

32. The system of claim 1, wherein the transaction is selected from the group consisting of an ATM transaction, a wire transaction, a phone access transaction, a debit card transaction and an online transaction.

33. The system of claim 1, wherein said request interpreter is an all items request interpreter and is used to search the all items data structure.

34. The system of claim 1, wherein said request interpreter is a cash letter request interpreter and is used to search the cash letter items data structure.

35. The system of claim 1, wherein said request director directs a search request to the request processor.

36. The system of claim 1, wherein said request processor is an all entries request processor.

37. The system of claim 1, wherein said request processor is an all items request processor.

38. The system of claim 1, wherein said request processor is a cash letter items request processor.

39. The system of claim 1, wherein said on-us items data structure is comprised of an on-us items file.

40. The system of claim 39, wherein said on-us items file is a VSAM file.

41. The system of claim 39, wherein said on-us items file is online.

42. The system of claim 1, wherein said on-us items archive file is comprised of MICR codeline data, a posted amount, a bank ID number, an account number and a posting date.

43. The system of claim 42, wherein said MICR codeline data is comprised of a routing/transit number, an account number and a serial number.

44. The system of claim 43, wherein said MICR codeline data is further comprised of a process control field.

45. The system of claim 1, wherein said on-us items archive file is further comprised of at least one additional data field selected from the group consisting of a sequence number, payee account number, transaction code and import source.

46. The system of claim 1, wherein said on-us items archive file is a VSAM file.

47. The system of claim 1, wherein said on-us items archive file is stored on magnetic tape.

48. The system of claim 1, wherein said on-us items archive index is a VSAM file.

49. The system of claim 1, wherein said on-us items archive index is stored on a DASD.

50. The system of claim 1, wherein said all items data structure is comprised of an all entries file.

51. The system of claim 50, wherein said all entries file is comprised of a capture site, a capture date, and an entry number.

52. The system of claim 51, wherein said entry number is further comprised of block information, the block information being comprised of a block sequence number and a block amount.

53. The system of claim 52, wherein said block information is further comprised of batch information, said batch information being comprised of a batch sequence number and a batch amount.

54. The system of claim 50, wherein said all entries file is a VSAM file.

55. The system of claim 50, wherein said all entries file is online.

56. The system of claim 50, wherein said all entries file is stored on a DASD.

57. The system of claim 50, wherein said all items data structure is further comprised of an all items file.

58. The system of claim 57, wherein said all items file is comprised of item information, said item information being comprised of MICR codeline data, an item amount, and an item sequence number.

59. The system of claim 57, wherein said all items file is a VSAM file.

60. The system of claim 57, wherein said all items file is online.

61. The system of claim 57, wherein said all items file is stored on a DASD.

62. The system of claim 1, wherein said all items archive file is comprised of item information, said item information being comprised of MICR codeline data, an item amount, and an item sequence number.

63. The system of claim 1, wherein said all items archive file is a VSAM file.

64. The system of claim 1, wherein said all items archive file is stored on magnetic tape.

65. The system of claim 1, wherein said all items archive index is a VSAM file.

66. The system of claim 1, wherein said all items archive index is stored on a DASD.

67. The system of claim 1, wherein said cash letter items data structure is comprised of a cash letter items file.

68. The system of claim 67, wherein said cash letter items file is comprised of an end point identifier, a cash letter date, a cash letter amount and a cash letter time.

69. The system of claim 67, wherein said cash letter items file is a VSAM file.

70. The system of claim 67, wherein said cash letter items file is stored on a DASD.

71. The system of claim 1, wherein said cash letter items data structure is further comprised of a bundle items file.

72. The system of claim 71, wherein said bundle items file is comprised of at least one bundle, wherein said at least one bundle is comprised of a bundle amount, a bundle time, and a bundle date.

73. The system of claim 72, wherein said at least one bundle is further comprised of at least one item, said at least one item being comprised of MICR codeline data and an item amount.

74. The system of claim 71, wherein said bundle items file is a VSAM file.

75. The system of claim 71, wherein said bundle items file is online.

76. The system of claim 71, wherein said bundle items file is stored on a DASD.

77. The system of claim 1, wherein said cash letter items data structure further includes a bundle items archive file.

78. The system of claim 77, wherein said bundle items archive file is comprised of at least one bundle, wherein said at least one bundle is comprised of a bundle amount, a bundle time, and a bundle date.

79. The system of claim 78, wherein said at least one bundle is further comprised of at least one item, said at least one item being comprised of MICR codeline data and an item amount.

80. The system of claim 77, wherein said bundle items archive file is a VSAM file.

81. The system of claim 77, wherein said bundle items archive file is offline.

82. The system of claim 77, wherein said bundle items archive file is stored on magnetic tape.

83. The system of claim 77, wherein said cash letter items data structure is further comprised of a bundles items archive index, wherein the bundle items archive index is an index to the bundle items archive file.

84. The system of claim 83, wherein said bundle items archive index is a VSAM file.

85. The system of claim 83, wherein said bundle items archive index is online.

86. The system of claim 83, wherein said bundle items archive index is stored on a DASD.

87. An item capture research method, said method comprising:

(a) capturing images and information from a plurality of items each of which relates to a transaction, wherein the plurality of items are comprised of on-us items and cash letter items;

(b) storing images of the captured on-us items in an on-us items image database and storing images of the captured cash letter items in a cash letter items image database; and

(c) storing the information captured from the plurality of items in multiple data structures, said storing step being comprised of;

(i) storing on-us items in an on-us items data structure, said on-us items data structure being further comprised of an on-us items archive file and an on-us items archive index, wherein the on-us items archive index is an index to the on-us items archive file, storing the on-us items archive file offline and storing the on-us items archive index online, (ii) storing all items in an all items data structure, said all items data structure being further comprised of an all items archive file and an all items archive index, wherein the all items archive index is an index to the all items archive file, storing the all items archive file offline and storing the all items archive index online, and (iii) storing cash letter items in a cash letter items data structure, said cash letter items data structure being further comprised of a cash letter items archive file and a cash letter items archive index, wherein the cash letter items archive index is an index to the cash letter items archive file, storing the cash letter items archive file offline and storing the cash letter items archive index online; and

(d) receiving an item request, said item request comprising a request for information stored in step (c), and directing a response to the item request;

wherein on-us items are items that are drawn on a financial institution capturing the item, and cash letter items are items that are drawn on a financial institution other than a financial institution capturing the item.

88. The method of claim 87, further comprising storing a plurality of credit transactions and a plurality of debit transactions in the on-us items data structure.

89. The method of claim 88, further comprising associating each of the plurality of credit transactions and debit transactions with an account number.

90. The method of claim 89, further comprising instructions for storing MICR codeline data, a posted account number, a bank ID number and a posting date for each of the plurality of credit transactions and debit transactions.

91. The method of claim 90, further comprising storing MICR codeline data comprising an account number for an associated payee account, an amount and a credit account code for each of the plurality of credit transactions.

92. The method of claim 91, further comprising associating each of the plurality of credit transactions with one or more corresponding debit transactions, and associating each of the one or more corresponding debit transactions with an account number associated with a payor account.

93. The method of claim 92, further comprising storing MICR codeline data comprising one or more additional data fields selected from the group consisting of a routing/transit number, a serial number and a process control field for each of the plurality of credit transactions.

94. The method of claim 92, further comprising storing at least one additional data field selected from the group consisting of a sequence number, transaction code and import source for each of the plurality of credit transactions.

95. The method of claim 90, further comprising storing MICR codeline data comprising a routing/transit number, an account number for the associated payor account and an amount for each of the plurality of debit transactions.

96. The method of claim 95, further comprising associating each of the plurality of debit transactions with a corresponding credit transaction, and associating each of the corresponding credit transactions with an account number associated with a payee account.

97. The method of claim 96, further comprising storing MICR codeline date comprising at least one additional data field selected from the group consisting of a serial number and a process control field for each of the plurality of debit transactions.

98. The method of claim 96, further comprising storing at least one additional data field selected from the group consisting of a sequence number, transaction code and import source for each of the plurality of debit transactions.

99. The method of claim 87, further comprising storing a plurality of debit transactions in the all items data structure.

100. The method of claim 99, further comprising storing MICR codeline data comprising of a routing/transit number, an account number for the associated payor account and an amount for each of the plurality of debit transactions.

101. The method of claim 99, further comprising associating each of the plurality of debit transactions with a corresponding credit transaction, and associating each of the corresponding credit transactions with an account number associated with a payee account.

102. The method of claim 101, further comprising storing MICR codeline data comprising at least one additional data field selected from the group consisting of a serial number and a process control field with each of the plurality of debit transactions.

103. The method of claim 101, further comprising storing at least one additional data field selected from the group consisting of a sequence number, transaction code and import source for each of the plurality of debit transactions.

104. The method of claim 87, further comprising associating each of a plurality of transactions stored in the on-us items data structure with a corresponding transaction stored in the all items data structure.

105. The method of claim 87, further comprising associating each of a plurality of transactions of the cash letter items data structure with a corresponding transaction stored in the all items data structure.

106. The method of claim 87, further comprising associating each of a plurality of transactions of the cash letter items data structure with a corresponding transaction stored in the on-us items data structure.

107. The method of claim 87, further comprising associating each of the plurality of images of the on-us items image database with a corresponding one of the plurality of transactions of the on-us items data structure.

108. The method of claim 87, further comprising associating each of the plurality of images of the on-us items image database is with a corresponding one of the plurality of transactions of the all items data structure.

109. The method of claim 87, further comprising associating each of the plurality of images of the cash letter items image database with a corresponding one of the plurality of transactions of the cash letter items data structure.

110. The method of claim 87, further comprising associating each of the plurality of images of the cash letter items image database with a corresponding one of the plurality of transactions of the all items data structure.

111. The method of claim 87, further comprising storing a bank ID number, an account number, and an image date in said on-us items image database.

112. The method of claim 87, further comprising storing a sorter ID number, an image date, and a sequence number in said cash letter items image database.

113. The method of claim 87, further comprising storing images of white paper in a white paper image database.

114. The method of claim 113, further comprising storing an account number and an image date in said white paper image database.

115. The method of claim 87, further comprising providing an image data index.

116. The method of claim 115, further comprising storing an image date, a sorter ID number, a sorter cycle and a sequence number in said image data index.

117. The method of claim 116, further comprising storing a database identifier in said image data index.

118. The method of claim 87, further comprising storing a transaction selected from the group consisting of an ATM transaction, a wire transaction, a phone access transaction, a debit card transaction and an online transaction.

119. The method of claim 87, further comprising searching the all items data structure via said request interpreter comprising an all items request interpreter.

120. The method of claim 87, further comprising searching the cash letter items data structure via said request interpreter comprising a cash letter request interpreter.

121. The method of claim 87, further comprising directing a search request to the request processor via said request director.

122. The method of claim 87, further comprising processing a search request for all entries via said request processor comprising an all entries request processor.

123. The method of claim 87, further comprising processing a search request for all items via said request processor comprising an all items request processor.

124. The method of claim 87, further comprising processing a search request for cash letter items via said request processor comprising a cash letter items request processor.

125. The method of claim 87, further comprising storing on-us items in an on-us items file.

126. The method of claim 125, further comprising storing said on-us items file in a VSAM file.

127. The method of claim 125, further comprising storing said on-us items file online.

128. The method of claim 87, further comprising storing MICR codeline data, a posted amount, a bank ID number, an account number and a posting date in said on-us items archive file.

129. The method of claim 128, further comprising storing said MICR codeline data comprising of a routing/transit number, an account number and a serial number in said on-us items archive file.

130. The method of claim 129, further comprising storing said MICR codeline data comprising a process control field in said on-us items archive file.

131. The method of claim 87, further comprising storing at least one additional data field selected from the group consisting of a sequence number, payee account number, transaction code and import source in said on-us items archive file.

132. The method of claim 87, further comprising storing said on-us items archive file in a VSAM file.

133. The method of claim 87, further comprising storing said on-us items archive file on magnetic tape.

134. The method of claim 87, further comprising storing said on-us items archive index in a VSAM file.

135. The method of claim 87, further comprising storing said on-us items archive index on a DASD.

136. The method of claim 87, further comprising storing an all entries file in said all items data structure.

137. The method of claim 136, further comprising storing a capture site, a capture date, and an entry number in said all entries file.

138. The method of claim 137, further comprising storing block information, the block information being comprised of a block sequence number and a block amount, for an entry.

139. The method of claim 138, further comprising storing batch information, said batch information being comprised of a batch sequence number and a batch amount, for a block.

140. The method of claim 136, further comprising storing said all entries file in a VSAM file.

141. The method of claim 136, further comprising storing said all entries file online.

142. The method of claim 136, further comprising storing said all entries file on a DASD.

143. The method of claim 136, further comprising storing an all items file in said all items data structure.

144. The method of claim 143, further comprising storing item information, said item information being comprised of MICR codeline data, an item amount, and an item sequence number, in said all items file.

145. The method of claim 143, further comprising storing said all items file in a VSAM file.

146. The method of claim 143, further comprising storing said all items file online.

147. The method of claim 143, further comprising storing said all items file on a DASD.

148. The method of claim 87, further comprising storing item information, said item information being comprised of MICR codeline data, an item amount, and an item sequence number, in said all items archive file.

149. The method of claim 87, further comprising storing said all items archive file in a VSAM file.

150. The method of claim 87, further comprising storing said all items archive file on magnetic tape.

151. The method of claim 87, further comprising storing said all items archive index in a VSAM file.

152. The method of claim 87, further comprising storing said all items archive index on a DASD.

153. The method of claim 87, further comprising storing a cash letter items file in said cash letter items data structure.

154. The method of claim 153, further comprising storing an end point identifier, a cash letter date, a cash letter amount and a cash letter time in said cash letter items file.

155. The method of claim 153, further comprising storing said cash letter items file in a VSAM file.

156. The method of claim 153, further comprising storing said cash letter items file on a DASD.

157. The method of claim 87, further comprising storing a bundle items file in said cash letter items data structure.

158. The method of claim 157, further comprising storing at least one bundle, wherein said at least one bundle is comprised of a bundle amount, a bundle time, and a bundle date, in said bundle items file.

159. The method of claim 158, further comprising storing at least one item, said at least one item being comprised of MICR codeline data and an item amount, in said at least one bundle.

160. The method of claim 157, further comprising storing said bundle items file in a VSAM file.

161. The method of claim 157, further comprising storing said bundle items file online.

162. The method of claim 157, further comprising storing said bundle items file on a DASD.

163. The method of claim 87, further comprising storing a bundle items archive file in said cash letter items data structure.

164. The method of claim 163, further comprising storing at least one bundle, wherein said at least one bundle is comprised of a bundle amount, a bundle time, and a bundle date, in said bundle items archive file.

165. The method of claim 164, further comprising storing at least one item, said at least one item being comprised of MICR codeline data and an item amount, in said at least one bundle.

166. The method of claim 163, further comprising storing said bundle items archive file in a VSAM file.

167. The method of claim 163, further comprising storing said bundle items archive file offline.

168. The method of claim 163, further comprising storing bundle items archive file on magnetic tape.

169. The method of claim 163, further comprising storing a bundles items archive index, wherein the bundle items archive index is an index to the bundle items archive file, in said cash letter items data structure.

170. The method of claim 169, further comprising storing said bundle items archive index in a VSAM file.

171. The method of claim 169, further comprising storing said bundle items archive index online.

172. The method of claim 169, further comprising storing said bundle items archive index is on a DASD.

173. A computer program product encoded in one or more computer storage media for executing by a computer, the computer program product comprising instructions for:

(a) capturing images and information from a plurality of items each of which relates to a transaction, wherein the plurality of items are comprised of on-us items and cash letter items;

(b) storing images of the captured on-us items in an on-us items image database and storing images of the captured cash letter items in a cash letter items image database; and

(c) storing the information captured from the plurality of items in multiple data structures, said storing step being comprised of;

(i) storing on-us items in an on-us items data structure, said on-us items data structure being further comprised of an on-us items archive file and an on-us items archive index, wherein the on-us items archive index is an index to the on-us items archive file, storing the on-us items archive file offline and storing the on-us items archive index online, (ii) storing all items in an all items data structure, said all items data structure being further comprised of an all items archive file and an all items archive index, wherein the all items archive index is an index to the all items archive file, storing the all items archive file offline and storing the all items archive index online, and (iii) storing cash letter items in a cash letter items data structure, said cash letter items data structure being further comprised of a cash letter items archive file and a cash letter items archive index, wherein the cash letter items archive index is an index to the cash letter items archive file, storing the cash letter items archive file offline and storing the cash letter items archive index online; and

(d) receiving an item request, said item request comprising a request for information stored in step (c), and directing a response to the item request;

wherein on-us items are items that are drawn on a financial institution capturing the item, and cash letter items are items that are drawn on a financial institution other than a financial institution capturing the item.

174. The computer program product of claim 173, further comprising instructions for storing a plurality of credit transactions and a plurality of debit transactions in the on-us items data structure.

175. The computer program product of claim 174, further comprising instructions for associating each of the plurality of credit transactions and debit transactions with an account number.

176. The computer program of claim 175, further comprising instructions for storing MICR codeline data, a posted account number, a bank ID number and a posting date for each of the plurality of credit transactions and debit transactions.

177. The computer program of claim 176, further comprising instructions for storing MICR codeline data comprising an account number for an associated payee account, an amount and a credit account code for each of the plurality of credit transactions.

178. The computer program of claim 175, further comprising instructions for associating each of the plurality of credit transactions with one or more corresponding debit transactions, and associating each of the one or more corresponding debit transactions with an account number associated with a payor account.

179. The computer program of claim 178, further comprising instructions for storing MICR codeline data comprising one or more additional data fields selected from the group consisting of a routing/transit number, a serial number and a process control field for each of the plurality of credit transactions.

180. The computer program of claim 178, further comprising instructions for storing at least one additional data field selected from the group consisting of a sequence number, transaction code and import source for each of the plurality of credit transactions.

181. The computer program of claim 176, further comprising instructions for storing MICR codeline data comprising a routing/transit number, an account number for the associated payor account and an amount for each of the plurality of debit transactions.

182. The computer program of claim 181, further comprising instructions for associating each of the plurality of debit transactions with a corresponding credit transaction, and associating each of the corresponding credit transactions with an account number associated with a payee account.

183. The computer program of claim 182, further comprising instructions for storing MICR codeline date comprising at least one additional data field selected from the group consisting of a serial number and a process control field for each of the plurality of debit transactions.

184. The computer program of claim 182, further comprising instructions for storing at least one additional data field selected from the group consisting of a sequence number, transaction code and import source for each of the plurality of debit transactions.

185. The computer program of claim 173, further comprising instructions for storing a plurality of debit transactions in the all items data structure.

186. The computer program of claim 185, further comprising instructions for storing MICR codeline data comprising of a routing/transit number, an account number for the associated payor account and an amount for each of the plurality of debit transactions.

187. The computer program of claim 185, further comprising instructions for associating each of the plurality of debit transactions with a corresponding credit transaction, and associating each of the corresponding credit transactions with an account number associated with a payee account.

188. The computer program of claim 187, further comprising instructions for storing MICR codeline data comprising at least one additional data field selected from the group consisting of a serial number and a process control field with each of the plurality of debit transactions.

189. The computer program of claim 187, further comprising instructions for storing at least one additional data field selected from the group consisting of a sequence number, transaction code and import source for each of the plurality of debit transactions.

190. The computer program of claim 173, further comprising instructions for associating each of a plurality of transactions stored in the on-us items data structure with a corresponding transaction stored in the all items data structure.

191. The computer program of claim 173, further comprising instructions for associating each of a plurality of transactions of the cash letter items data structure with a corresponding transaction stored in the all items data structure.

192. The computer program of claim 173, further comprising instructions for associating each of a plurality of transactions of the cash letter items data structure with a corresponding transaction stored in the on-us items data structure.

193. The computer program of claim 173, further comprising instructions for associating each of the plurality of images of the on-us items image database with a corresponding one of the plurality of transactions of the on-us items data structure.

194. The computer program of claim 173, further comprising instructions for associating each of the plurality of images of the on-us items image database is with a corresponding one of the plurality of transactions of the all items data structure.

195. The computer program of claim 173, further comprising instructions for associating each of the plurality of images of the cash letter items image database with a corresponding one of the plurality of transactions of the cash letter items data structure.

196. The computer program of claim 173, further comprising instructions for associating each of the plurality of images of the cash letter items image database with a corresponding one of the plurality of transactions of the all items data structure.

197. The computer program of claim 173, further comprising instructions for storing a bank ID number, an account number, and an image date in said on-us items image database.

198. The computer program of claim 173, further comprising instructions for storing a sorter ID number, an image date, and a sequence number in said cash letter items image database.

199. The computer program of claim 173, further comprising instructions for storing images of white paper in a white paper image database.

200. The computer program of claim 199, further comprising instructions for storing an account number and an image date in said white paper image database.

201. The computer program of claim 173, further comprising instructions for providing an image data index.

202. The computer program of claim 201, further comprising instructions for storing an image date, a sorter ID number, a sorter cycle and a sequence number in said image data index.

203. The computer program of claim 202, further comprising instructions for storing a database identifier in said image data index.

204. The computer program of claim 173, further comprising instructions for storing a transaction selected from the group consisting of an ATM transaction, a wire transaction, a phone access transaction, a debit card transaction and an online transaction.

205. The computer program of claim 173, further comprising instructions for searching the all items data structure via said request interpreter comprising an all items request interpreter.

206. The computer program of claim 173, further comprising instructions for searching the cash letter items data structure via said request interpreter comprising a cash letter request interpreter.

207. The computer program of claim 173, further comprising instructions for directing a search request to the request processor via said request director.

208. The computer program of claim 173, further comprising instructions for processing a search request for all entries via said request processor comprising an all entries request processor.

209. The computer program of claim 173, further comprising instructions for processing a search request for all items via said request processor comprising an all items request processor.

210. The computer program of claim 173, further comprising instructions for processing a search request for cash letter items via said request processor comprising a cash letter items request processor.

211. The computer program of claim 173, further comprising instructions for storing on-us items in an on-us items file.

212. The computer program of claim 211, further comprising instructions for storing said on-us items file in a VSAM file.

213. The computer program of claim 211, further comprising instructions for storing said on-us items file online.

214. The computer program of claim 173, further comprising instructions for storing MICR codeline data, a posted amount, a bank ID number, an account number and a posting date in said on-us items archive file.

215. The computer program of claim 214, further comprising instructions for storing said MICR codeline data comprising of a routing/transit number, an account number and a serial number in said on-us items archive file.

216. The computer program of claim 215, further comprising instructions for storing said MICR codeline data comprising a process control field in said on-us items archive file.

217. The computer program of claim 173, further comprising instructions for storing at least one additional data field selected from the group consisting of a sequence number, payee account number, transaction code and import source in said on-us items archive file.

218. The computer program of claim 173, further comprising instructions for storing said on-us items archive file in a VSAM file.

219. The computer program of claim 173, further comprising instructions for storing said on-us items archive file on magnetic tape.

220. The computer program of claim 173, further comprising instructions for storing said on-us items archive index in a VSAM file.

221. The computer program of claim 173, further comprising instructions for storing said on-us items archive index on a DASD.

222. The computer program of claim 173, further comprising instructions for storing an all entries file in said all items data structure.

223. The computer program of claim 222, further comprising instructions for storing a capture site, a capture date, and an entry number in said all entries file.

224. The computer program of claim 223, further comprising instructions for storing block information, the block information being comprised of a block sequence number and a block amount, for an entry.

225. The computer program of claim 224, further comprising instructions for storing batch information, said batch information being comprised of a batch sequence number and a batch amount, for a block.

226. The computer program of claim 222, further comprising instructions for storing said all entries file in a VSAM file.

227. The computer program of claim 222, further comprising instructions for storing said all entries file online.

228. The computer program of claim 222, further comprising instructions for storing said all entries file on a DASD.

229. The computer program of claim 222, further comprising instructions for storing an all items file in said all items data structure.

230. The computer program of claim 229, further comprising instructions for storing item information, said item information being comprised of MICR codeline data, an item amount, and an item sequence number, in said all items file.

231. The computer program of claim 229, further comprising instructions for storing said all items file in a VSAM file.

232. The computer program of claim 229, further comprising instructions for storing said all items file online.

233. The computer program of claim 229, further comprising instructions for storing said all items file on a DASD.

234. The computer program of claim 173, further comprising instructions for storing item information, said item information being comprised of MICR codeline data, an item amount, and an item sequence number, in said all items archive file.

235. The computer program of claim 173, further comprising instructions for storing said all items archive file in a VSAM file.

236. The computer program of claim 173, further comprising instructions for storing said all items archive file on magnetic tape.

237. The computer program of claim 173, further comprising instructions for storing said all items archive index in a VSAM file.

238. The computer program of claim 173, further comprising instructions for storing said all items archive index on a DASD.

239. The computer program of claim 173, further comprising instructions for storing a cash letter items file in said cash letter items data structure.

240. The computer program of claim 239, further comprising instructions for storing an end point identifier, a cash letter date, a cash letter amount and a cash letter time in said cash letter items file.

241. The computer program of claim 239, further comprising instructions for storing said cash letter items file in a VSAM file.

242. The computer program of claim 239, further comprising instructions for storing said cash letter items file on a DASD.

243. The computer program of claim 173, further comprising instructions for storing a bundle items file in said cash letter items data structure.

244. The computer program of claim 243, further comprising instructions for storing at least one bundle, wherein said at least one bundle is comprised of a bundle amount, a bundle time, and a bundle date, in said bundle items file.

245. The computer program of claim 244, further comprising instructions for storing at least one item, said at least one item being comprised of MICR codeline data and an item amount, in said at least one bundle.

246. The computer program of claim 243, further comprising instructions for storing said bundle items file in a VSAM file.

247. The computer program of claim 243, further comprising instructions for storing said bundle items file online.

248. The computer program of claim 243, further comprising instructions for storing said bundle items file on a DASD.

249. The computer program of claim 173, further comprising instructions for storing a bundle items archive file in said cash letter items data structure.

250. The computer program of claim 249, further comprising instructions for storing at least one bundle, wherein said at least one bundle is comprised of a bundle amount, a bundle time, and a bundle date, in said bundle items archive file.

251. The computer program of claim 250, further comprising instructions for storing at least one item, said at least one item being comprised of MICR codeline data and an item amount, in said at least one bundle.

252. The computer program of claim 249, further comprising instructions for storing said bundle items archive file in a VSAM file.

253. The computer program of claim 249, further comprising instructions for storing said bundle items archive file offline.

254. The computer program of claim 249, further comprising instructions for storing bundle items archive file on magnetic tape.

255. The computer program of claim 249, further comprising instructions for storing a bundles items archive index, wherein the bundle items archive index is an index to the bundle items archive file, in said cash letter items data structure.

256. The computer program of claim 255, further comprising instructions for storing said bundle items archive index in a VSAM file.

257. The computer program of claim 255, further comprising instructions for storing said bundle items archive index online.

258. The computer program of claim 255, further comprising instructions for storing said bundle items archive index is on a DASD.