Apparatus and system for imaging currency bills and financial documents and method for using the same

• US 8,538,123 B1
• Filed: 04/13/2010
• Issued: 09/17/2013
• Est. Priority Date: 03/09/2007
• Status: Active Grant

• Current Assignee: Cummins-Allison Corporation (Crane Company)
• Original Assignee: Cummins-Allison Corporation (Crane Company)
• Inventors: Csulits, Frank M., Jones, William J., Mennie, Douglas U., Anderson, Matthew L., Klein, Robert J., Watts, Gary P., Jones, John E., Jones, Paul A., Jaeger, Ralf H., Badalamenti, David R.
• Primary Examiner(s): ZARKA, DAVID PETER
• Application Number:
  US12/758,847
• Time in Patent Office: 1,253 Days
• Field of Search: None
• US Class Current: 382/135
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06V 20/95 Pattern authentication; Markers therefor; Forgery detection
• CPC Class Codes: G06V 30/10 Character recognition
• CPC Class Codes: G06V 30/127 with the intervention of an operator
• CPC Class Codes: G07D 11/30 Tracking or tracing valuable papers or cassettes

Abstract

A method of processing a deposit transaction involving a plurality of physical documents includes receiving a data file associated with the deposit transaction. The data file includes a plurality of customer records. Each customer record includes image data. The method further includes transmitting a credit instruction to credit a customer financial account for an amount in response to the receiving the data file. The method further includes receiving physical documents associated with the deposit transaction. The method further includes generating a financial institution record for each one of the received physical documents and comparing the plurality of customer records with the generated financial institution records to determine if all physical documents associated with the deposit transaction were received during the act of receiving physical documents.

Claims

1. A method of processing physical currency bills associated with a deposit transaction using a financial institution document processing system having access to a data file associated with the deposit transaction, the data file including a plurality of customer records, each customer record including image data that is reproducible as a visually readable image of at least a portion of a respective physical currency bill associated with the deposit transaction, each customer record further including a respective serial number and a respective denomination, the financial institution document processing system performing acts comprising:

receiving physical currency bills associated with the deposit transaction in an input receptacle of the financial institution document processing system;

generating image data associated with each of the received physical currency bills associated with the deposit transaction;

extracting a respective serial number from the image data for each of the received physical currency bills associated with the deposit transaction;

denominating each of the received physical currency bills associated with the deposit transaction;

generating a financial institution record for each one of the received physical currency bills associated with the deposit transaction, each financial institution record including a respective one of the extracted serial numbers and a respective denomination;

comparing the respective serial numbers and the respective denominations of the plurality of customer records associated with the deposit transaction with the respective serial numbers and the respective denominations of the generated financial institution records associated with the deposit transaction to determine if all physical currency bills associated with the deposit transaction were received in the financial institution document processing system during the act of receiving physical currency bills;

determining that a physical currency bill associated with one of the plurality of customer records associated with the deposit transaction was not received during the act of receiving physical currency bills, the physical currency bill associated with the one of the plurality of customer records that was not received being a no-show document; and

in response to the determination that the physical currency bill associated with the one of the plurality of customer records was not received, automatically transmitting a charge-back instruction from the financial institution document processing system to an accounting system that maintains a customer financial account, wherein a credit instruction was transmitted to credit the customer financial account for an amount in response to the data file associated with the deposit transaction being received, the charge-back instruction including information associated with the customer financial account and a value associated with the no-show document.

2. The method of claim 1, further comprising:

determining an unexpected document has been received with the physical currency bills associated with the deposit transaction; and

in response to the determination that the unexpected document has been received, automatically transmitting a credit instruction from the financial institution document processing system to the accounting system that maintains the customer financial account.

3. The method of claim 1, wherein the charge-back instruction further includes image data that is reproducible as a visually readable image of at least a portion of the no-show document.

4. The method of claim 1, wherein the charge-back instruction causes the customer financial account to be debited an amount equal to the value associated with the no-show document.

5. The method of claim 1, wherein the financial institution document processing system has a footprint of less than about 2 square feet.

6. The method of claim 5, wherein the visually readable images are at least 100 DPI by at least 100 DPI.

7. The method of claim 6, further comprising transporting the received physical currency bills associated with the deposit transaction at a rate of at least about 800 currency bills per minute.

8. The method of claim 7, wherein each of the physical currency bills associated with the deposit transaction has a wide edge, and wherein the act of transporting comprises transporting each physical currency bill in a wide-edge leading manner.

9. A method of processing physical documents associated with a deposit transaction, comprising:

receiving physical documents associated with a physical portion of the deposit transaction;

generating a bank record for each one of the received physical documents associated with the physical portion of the deposit transaction, each bank record including image data that is reproducible as a visually readable image of at least a portion of a respective physical document associated with the physical portion of the deposit transaction;

accessing a data file associated with the deposit transaction, the data file including a plurality of customer records, each customer record including image data that is reproducible as a visually readable image of at least a portion of a respective physical document associated with an electronic portion of the deposit transaction;

comparing the customer records with the bank records to determine if all of the physical documents associated with the electronic portion of the deposit transaction were received during the act of receiving physical documents associated with the physical portion of the deposit transaction;

determining that a physical document associated with the electronic portion of the deposit transaction was not received during the act of receiving physical documents, the physical document associated with the electronic portion of the deposit transaction that was not received being a no-show document; and

in response to the determination that a physical document associated with the electronic portion of the deposit transaction was not received, automatically transmitting a charge-back instruction, the charge-back instruction including information associated with a customer financial account and a value associated with the no-show document.

10. The method of claim 9, wherein the charge-back instruction further includes image data that is reproducible as a visually readable image of at least a portion of the no-show document.

11. The method of claim 9, wherein the charge-back instruction causes the customer financial account to be debited an amount equal to the value associated with the no-show document.

12. The method of claim 9, further comprising:

determining an unexpected document has been received with the physical documents associated with the physical portion of the deposit transaction; and

in response to the determination that the unexpected document has been received, automatically transmitting a credit instruction.

13. The method of claim 9, further comprising transporting the received physical documents associated with the physical portion of the deposit transaction at a rate of at least about 1000 documents per minute.

14. The method of claim 13, wherein each of the physical documents associated with the physical portion of the deposit transaction has a wide edge, and wherein the act of transporting comprises transporting each physical document in a wide-edge leading manner.

15. The method of claim 14, wherein the visually readable images are at least 50 DPI by at least 50 DPI.

16. The method of claim 9, wherein the physical documents includes currency bills, each of the generated bank records associated with a currency bill including a serial number and a denomination, each of the customer records associated with a currency bill including a serial number and a denomination, wherein for currency bills the act of comparing the customer records with the bank records includes comparing the serial numbers and the denominations included therein.

17. A method of processing a deposit transaction involving a plurality of physical documents, wherein a financial institution document processing system performs the acts comprising:

receiving a data file associated with the deposit transaction, the data file including a plurality of customer records, each customer record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of physical documents;

transmitting a credit instruction to credit a customer financial account for an amount in response to the receiving the data file associated with the deposit transaction;

receiving physical documents associated with the deposit transaction in an input receptacle of the financial institution document processing system;

generating a financial institution record for each one of the received physical documents via the financial institution document processing system;

comparing the plurality of customer records associated with the deposit transaction with the generated financial institution records associated with the deposit transaction to determine if all physical documents associated with the deposit transaction were received in the financial institution document processing system during the act of receiving physical documents; and

in response to a determination that one of the physical documents associated with one of the plurality of customer records associated with the deposit transaction was not received during the act of receiving physical documents, automatically transmitting a charge-back instruction, the charge-back instruction including information associated with the customer financial account and a value associated with the one of the physical documents.

18. The method of claim 17, further comprising determining that all of the physical documents associated with the deposit transaction were received during the act of receiving physical documents by the act of comparing.

19. The method of claim 17, further comprising determining that one of the physical documents associated with the deposit transaction was not received during the act of receiving physical documents, the one of the physical documents associated with the deposit transaction that was not received being a no-show document.

20. The method of claim 19, further comprising in response to the determination that one or more of the physical documents were not received, communicating a list of missing documents.

21. The method of claim 19, wherein the credit instruction and the charge-back instruction are received by an accounting system that maintains the customer financial account.

22. The method of claim 19, wherein the charge-back instruction includes information associated with the customer financial account and a value associated with the no-show document.

23. The method of claim 22, wherein the charge-back instruction further includes a record associated with the no-show document, the record at least including image data that is reproducible as a visually readable image of at least a portion of the no-show document.

24. The method of claim 22, wherein the charge-back instruction causes the customer financial account to be debited an amount equal to the value associated with the no-show document.

25. The method of claim 19, wherein the plurality of physical documents at least includes currency bills.

26. The method of claim 19, wherein the plurality of physical documents includes intermingled currency bills and checks.

27. The method of claim 19, wherein the plurality of physical documents includes a first batch of currency bills and a second batch of checks.

28. The method of claim 27, wherein the data file further includes a deposit slip record, the deposit slip record including image data that is reproducible as a visually readable image of at least a portion of a deposit slip associated with the deposit transaction, the deposit slip being associated with a total deposit value associated with the deposit transaction.

29. The method of claim 28, wherein the deposit slip is a visually readable image of a preprinted deposit slip, a virtual deposit slip, or a combination thereof.

30. The method of claim 28, wherein the total deposit value is equal to a sum of values associated with respective ones of the received physical currency bills and checks.

31. The method of claim 28, wherein the total deposit value is equal to a sum of values associated with respective ones of the plurality of customer records associated with the currency bills and the checks.

32. The method of claim 31, wherein the received physical documents fail to include the no-show document and a sum of values associated with respective ones of the received physical documents is less than the total deposit value.

33. The method of claim 31, wherein the received physical documents include a suspect document and a sum of values associated with respective genuine ones of the received physical documents is less than the total deposit value.

34. The method of claim 31, wherein the received physical documents include an unexpected document and a sum of values associated with respective ones of the received physical documents is greater than the total deposit value.

35. The method of claim 19, wherein a percentage of the amount associated with the credit instruction is available for immediate withdrawal.

36. The method of claim 19, wherein the charge-back instruction further includes image data that is reproducible as a visually readable image of at least a portion of the no-show document.

37. The method of claim 19, wherein the charge-back instruction causes the customer financial account to be debited an amount equal to the value associated with the no-show document.

38. The method of claim 17, further comprising in response to a determination that an unexpected document has been received with the physical documents associated with the deposit transaction, automatically transmitting a second credit instruction.

39. The method of claim 38, further comprising determining that an unexpected document has been received with the physical documents associated with the deposit transaction.

40. The method of claim 17, further comprising transporting the received physical documents associated with the deposit transaction along a transport path of the financial institution document processing system, wherein each of the physical documents associated with the deposit transaction has a wide edge, and wherein the act of transporting comprises transporting each physical document in a wide-edge leading manner.

41. The method of claim 40, wherein the transporting comprises transporting the received physical documents associated with the deposit transaction at a rate of at least about 500 documents per minute.

42. The method of claim 41, wherein the financial institution document processing system has a footprint of less than about 2 square feet.

43. The method of claim 42, wherein the visually readable images are at least 50 DPI by at least 50 DPI.

44. The method of claim 17, wherein the plurality of physical documents includes currency bills, each of the generated financial institution records associated with a currency bill including a serial number and a denomination, each of the customer records associated with a currency bill including a serial number and a denomination, wherein for currency bills the act of comparing the plurality of customer records with the generated plurality of records includes comparing the serial numbers and the denominations included therein.

45. A method of processing a second set of a plurality of physical documents associated with a deposit transaction, a financial institution system being configured to have access to a plurality of customer records associated with the deposit transaction, each customer record including image data reproducible as a visually readable image of at least a portion of a respective one of a first set of a plurality of physical documents, each customer record being associated with a value, the plurality of customer records being associated with a total deposit value equal to a sum of the values associated with each customer record, and wherein a provisional credit to a customer financial account for an amount based on the total deposit value was issued in response to the plurality of customer records associated with the deposit transaction having been received, wherein the financial institution system performs the acts comprising:

receiving a second set of physical documents associated with the deposit transaction;

generating a financial institution record for each one of the received physical documents in the second set via the financial institution document processing system;

determining if all physical documents in the first set associated with the deposit transaction were received in the financial institution system during the act of receiving the second set of physical documents, the determining act including comparing the customer records associated with the deposit transaction with the financial institution records associated with the deposit transaction; and

in response to a determination that one of the received physical documents in the second set associated with the deposit transaction is an unexpected document, automatically transmitting a second credit instruction, the second credit instruction including information associated with the customer financial account and a value associated with the unexpected document.

46. The method of claim 45, further comprising determining that one of the received physical documents in the second set is an unexpected document by the act of comparing the customer records with the financial institution records.

47. The method of claim 46, wherein the second credit instruction further includes a record associated with the unexpected document, the record including image data that is reproducible as a visually readable image of the unexpected document.

48. The method of claim 46, wherein the second credit instruction causes the customer financial account to be credited an amount equal to the value associated with the unexpected document.

49. The method of claim 46, wherein the amount that the customer financial account is provisionally credited equals the total deposit value.

50. The method of claim 46, wherein the amount that the customer financial account is provisionally credited is a percentage of the total deposit value.

51. The method of claim 46, wherein a percentage of the amount that the customer financial account is provisionally credited is available for immediate withdrawal by the customer.

52. The method of claim 51, wherein the percentage is 100 percent.

53. The method of claim 45, further comprising in response to a determination that one of the plurality of physical documents in the first set was not received during the act of receiving the second set of physical documents associated with the deposit transaction, automatically transmitting a charge-back instruction.

54. The method of claim 53, further comprising determining that one of the plurality of physical documents in the first set was not received during the act of receiving the second set of physical documents associated with the deposit transaction, the one of the plurality of physical documents in the first set that was not received being a no-show document.

55. The method of claim 45, further comprising transporting the received second set of physical documents associated with the deposit transaction along a transport path of the financial institution system at a rate of at least about 1200 documents per minute.

56. The method of claim 55, wherein each of the received second set of physical documents associated with the deposit transaction has a wide edge, and wherein the act of transporting comprises transporting each of the received second set of physical documents in a wide-edge leading manner.

57. The method of claim 56, wherein the visually readable images are at least 100 DPI by at least 100 DPI.

58. The method of claim 57, wherein the financial institution system has a footprint of less than about 2 square feet.

59. The method of claim 45, wherein each of the first and the second sets of a plurality of physical documents includes currency bills, each of the generated financial institution records associated with a currency bill including a serial number and a denomination, each of the customer records associated with a currency bill including a serial number and a denomination, wherein for currency bills the act of comparing the customer records with the generated financial institution records includes comparing the serial numbers and the denominations included therein.

60. A method of processing a deposit transaction involving a plurality of currency bills and a plurality of checks, wherein a financial institution document processing system performs the acts comprising:

receiving a plurality of currency bill records associated with the deposit transaction, each currency bill record including bill image data reproducible as a visually readable image of at least a portion of a respective one of the plurality of currency bills;

receiving a plurality of check records associated with the deposit transaction, each check record including check image data reproducible as a visually readable image of at least a portion of a respective one of the plurality of checks;

transmitting a credit instruction to credit a customer financial account for an amount in response to the receiving the plurality of currency bill records associated with the deposit transaction and the receiving the plurality of check records associated with the deposit transaction;

receiving currency bills associated with the deposit transaction;

generating a financial institution currency bill record for each one of the received currency bills; and

comparing the received plurality of currency bill records associated with the deposit transaction with the financial institution currency bill records associated with the deposit transaction to determine if all currency bills associated with the plurality of currency bill records associated with the deposit transaction were received in the financial institution document processing system during the act of receiving currency bills; and

in response to a determination a currency bill associated with one the plurality of currency bill records associated with the deposit transaction was not received in the financial institution document processing system during the act of receiving currency bills, automatically transmitting a charge-back instruction, the charge-back instruction including information associated with the customer financial account and a value associated with the currency bill associated with the one the plurality of currency bill records.

61. The method of claim 60, further comprising receiving a deposit slip, the deposit slip being associated with a total deposit value associated with the deposit transaction.

62. The method of claim 61, wherein the deposit slip is a preprinted deposit slip received along with the currency bills associated with the deposit transaction.

63. The method of claim 61, wherein the deposit slip is a virtual deposit slip received along with the plurality of currency bill records, the plurality of check records, or both.

64. The method of claim 61, wherein the deposit slip includes a total declared deposit value, a total declared currency bill deposit value, a total declared check deposit value, a total declared number of currency bills included in the deposit transaction, a total declared number of checks included in the deposit transaction, or any combinations thereof.

65. The method of claim 64, further comprising processing the checks based only on the received check records associated with the deposit transaction.

66. The method of claim 65, wherein each of the received plurality of check records is associated with a respective value, the act of processing including comparing a sum of the respective values with the total declared check deposit value.

67. The method of claim 65, wherein the act of processing includes proofing the deposit transaction, clearing the checks, or both.

68. The method of claim 60, further comprising determining that the one of the currency bills associated with the deposit transaction was not received in the financial institution document processing system during the act of receiving currency bills, the one of the currency bills determined to not be have been received being a no-show currency bill.

69. The method of claim 68, wherein the charge-back instruction further includes image data that is reproducible as a visually readable image of at least a portion of the no-show currency bill.

70. The method of claim 68, wherein the charge-back instruction causes the customer financial account to be debited an amount equal to the value associated with the no-show currency bill.

71. The method of claim 60, further comprising in response to a determination that an unexpected currency bill has been received with the currency bills associated with the deposit transaction, automatically transmitting a second credit instruction.

72. The method of claim 71, further comprising determining that an unexpected currency bill has been received with the currency bills associated with the deposit transaction.

73. The method of claim 60, further comprising transporting the received currency bills associated with the deposit transaction along a transport path of the financial institution document processing system, wherein each of the currency bills associated with the deposit transaction has a wide edge, and wherein the act of transporting comprises transporting each currency bill in a wide-edge leading manner.

74. The method of claim 73, wherein the transporting comprises transporting the received currency bills associated with the deposit transaction at a rate of at least about 1000 documents per minute.

75. The method of claim 74, wherein the financial institution document processing system has a footprint of less than about 2 square feet.

76. The method of claim 75, wherein the visually readable images are at least 100 DPI by at least 100 DPI.

77. The method of claim 60, each of the generated financial institution currency bill records including a serial number and a denomination, each of the plurality of currency bill records including a serial number and a denomination, wherein the act of comparing the received plurality of currency bill records with the generated financial institution currency bill records includes comparing the serial numbers and the denominations included therein.

78. A method of processing documents, the method comprising:

receiving in a document processing system an electronic data file associated with a deposit transaction, the electronic data file comprising a plurality of customer records, each customer record including image data that is reproducible as a visually readable image corresponding to a respective one of a first plurality of physical documents associated with the deposit transaction;

transmitting a credit instruction configured to be received by a communicatively connected accounting system to credit a customer financial account an amount based on information included in the data file, the customer financial account being maintained by the accounting system;

receiving a second plurality of physical documents associated with the deposit transaction in the document processing system;

generating a bank record for each one of the received second plurality of physical documents associated with the deposit transaction in the document processing system; and

comparing the generated bank records with the customer records to determine if each one of the first plurality of physical documents corresponds with one of the second plurality of physical documents received in the document processing system; and

in response to a determination that an unexpected document has been received with the second plurality of physical documents associated with the deposit transaction, automatically transmitting a second credit instruction, the second credit instruction including information associated with the customer financial account and a value associated with the unexpected document.

79. The method of claim 78, wherein the accounting system is configured to run teller software.

80. The method of claim 78, wherein the document processing system comprises a computer communicatively connected to a document processing device.

81. The method of claim 78, wherein the document processing system comprises a plurality of computers communicatively connected to a plurality of document processing devices.

82. The method of claim 78, wherein the visually readable images are at least 50 DPI by at least 50 DPI.

83. The method of claim 78, wherein the first plurality of documents are exactly the same as the second plurality of documents.

84. The method of claim 78, wherein the first plurality of physical documents minus any no-show documents plus any unexpected documents equals the second plurality of physical documents in number of documents and value of documents.

85. The method of claim 78, further comprising determining that an unexpected document has been received with the second plurality of physical documents associated with the deposit transaction.

86. The method of claim 85, wherein the second credit instruction further includes image data that is reproducible as a visually readable image of at least a portion of the unexpected document.

87. The method of claim 85, wherein the second credit instruction causes the customer financial account to be credited an amount equal to the value associated with the unexpected document.

88. The method of claim 78, further comprising in response to a determination that one of the first plurality of physical documents was not received during the act of receiving the second plurality of physical documents associated with the deposit transaction, automatically transmitting a charge-back instruction.

89. The method of claim 88, further comprising determining that one of the first plurality of physical documents was not received during the act of receiving the second plurality of physical documents associated with the deposit transaction, the one of the first plurality of physical documents that was not received being a no-show document.

90. The method of claim 78, further comprising transporting the received second plurality of physical documents associated with the deposit transaction along a transport path of the document processing system at a rate of at least about 800 documents per minute.

91. The method of claim 90, wherein each of the received second plurality of physical documents associated with the deposit transaction has a wide edge, and wherein the act of transporting comprises transporting each of the received second plurality of physical documents in a wide-edge leading manner.

92. The method of claim 91, wherein the visually readable images are at least 100 DPI by at least 100 DPI.

93. The method of claim 92, wherein the document processing system has a footprint of less than about 2 square feet.

94. The method of claim 78, wherein each of the first and the second pluralities of physical documents includes currency bills, each of the generated bank records associated with a currency bill including a serial number and a denomination, each of the customer records associated with a currency bill including a serial number and a denomination, wherein for currency bills the act of comparing the generated bank records with the customer records includes comparing the serial numbers and the denominations included therein.

95. A method of using a document processing system to process a deposit transaction, the method comprising:

receiving a plurality of records associated with the deposit transaction over a network, the plurality of records being associated with a first plurality of documents, each of the plurality of records including image data that is reproducible as a visually readable image of at least a portion of one of the first plurality of documents;

transmitting a credit instruction to credit a customer financial account an amount in response to the receiving the plurality of customer records associated with the deposit transaction;

receiving a second plurality of documents associated with the deposit transaction in an input receptacle of a document processing device;

transporting the second plurality of documents associated with the deposit transaction from the input receptacle past an image scanner;

generating image data associated with each of the second plurality of documents;

comparing the generated image data with the received plurality of records to determine if any of the first plurality of documents associated with the deposit transaction are no-show documents; and

determining that one of the first plurality of documents associated with the deposit transaction is a no-show document and in response to the determination of the one of the first plurality of documents being a no-show document, automatically generating a charge-back instruction, the charge-back instruction including information associated with the customer financial account and a value associated with the no-show document.

96. The method of claim 95, wherein the generated charge-back instruction is automatically transmitted from the document processing device to an accounting system, the accounting system being configured to debit the customer financial account an amount equal to a value associated with the no-show document.

97. The method of claim 96, wherein the accounting system requires an operator input to debit the customer financial account.

98. The method of claim 95, wherein the visually readable images of the at least a portion of the first plurality of documents each has a resolution of at least about 200 DPI by at least about 100 DPI.

99. The method of claim 95, wherein the visually readable images of the at least a portion of the first plurality of documents each has a resolution of at least about 200 DPI by at least about 200 DPI.

100. The method of claim 95, wherein the first and the second plurality of documents includes currency bills and checks, each currency bill having a serial number and a denomination, each check having a customer account number.

101. The method of claim 100, wherein for currency bills the act of comparing the generated image data with the received plurality of records includes comparing the serial number and the denomination of each of the currency bills with the received plurality of records associated with currency bills.

102. The method of claim 100, wherein for checks the comparing the generated image data with the received plurality of records includes comparing the customer account number of each of the checks with the received plurality of records associated with checks.

103. The method of claim 95, further comprising tagging the generated image data with an employee identifier, the employee identifier being associated with an employee operating the document processing device.

104. The method of claim 95, further comprising automatically generating a charge-back report in response to the automatically transmitting the charge-back instruction.

105. The method of claim 104, wherein the automatically generated charge-back report includes one or more of a visually readable image of a no-show document, a currency bill serial number, a denomination, a checking account number, a check routing number, a check number, a check amount, a total deposit value, a total charge-back value, or any combination thereof.

106. The method of claim 95, wherein the second plurality of documents associated with the deposit transaction are transported at a rate of at least about 100 documents per minute.

107. The method of claim 95, wherein the second plurality of documents associated with the deposit transaction are transported at a rate of at least about 300 documents per minute.

108. The method of claim 95, wherein the second plurality of documents associated with the deposit transaction are transported at a rate of at least about 600 documents per minute.

109. The method of claim 95, wherein the second plurality of documents associated with the deposit transaction are transported at a rate of at least about 800 documents per minute.

110. The method of claim 95, wherein the second plurality of documents associated with the deposit transaction are transported at a rate of at least about 1000 documents per minute.

111. The method of claim 95, wherein the second plurality of documents associated with the deposit transaction are U.S. currency bills.

112. The method of claim 95, wherein the second plurality of documents associated with the deposit transaction include currency bills associated with multiple countries including two or more of the following currencies:

U.S. dollar, euro, Australian dollar, Canadian dollar, Japanese yen, and pound sterling.

113. The method of claim 95, wherein the document processing system has a footprint of less than about 2 square feet and a weight of less than about 30 pounds.

114. The method of claim 95, wherein each of the second plurality of documents associated with the deposit transaction has a wide edge, and wherein the act of transporting comprises transporting each document in a wide-edge leading manner.

115. The method of claim 95, further comprising determining that an unexpected document has been received with the second plurality of documents associated with the deposit transaction and in response to the determination that the unexpected document was received with the second plurality of documents, automatically transmitting a second credit instruction.

116. The method of claim 115, wherein the transporting further comprises transporting the second plurality of documents associated with the deposit transaction along a transport path of the document processing system at a rate of at least about 1000 documents per minute in a wide-edge leading manner.

117. The method of claim 116, wherein the visually readable images are at least 122 DPI by at least 113 DPI and wherein the document processing system has a footprint of less than about 2 square feet.

118. The method of claim 95, wherein each of the first and the second pluralities of documents includes currency bills, the generated image data associated with currency bills including a serial number and a denomination for each currency bill, each of the plurality of records associated with a currency bill including a serial number and a denomination, wherein for currency bills the act of comparing the generated image data with the plurality of records includes comparing the serial numbers and the denominations included therein.

119. A method of processing documents, comprising:

receiving a first data file associated with a first deposit transaction in a financial institution system, the financial institution system including a financial institution document processing device communicatively connected to a computer and an accounting system, the first data file including a first plurality of records associated with the first deposit transaction, each one of the first plurality of records including image data reproducible as an image that visually represents one of a first plurality of physical documents;

crediting a first customer financial account an amount in response to the receiving the first data file;

receiving a second data file associated with a second deposit transaction in the financial institution system, the second data file including a second plurality of records associated with the second deposit transaction, each one of the second plurality of records including image data reproducible as an image that visually represents one of a second plurality of physical documents;

crediting a second customer financial account an amount in response to the receiving the second data file;

receiving a third plurality of physical documents associated with the first deposit transaction in an input receptacle of the financial institution document processing device;

associating a first batch identification card associated with the first deposit transaction with the third plurality of physical documents;

receiving a fourth plurality of physical documents associated with the second deposit transaction in the input receptacle of the financial institution document processing device;

associating a second batch identification card associated with the second deposit transaction with the fourth plurality of physical documents;

processing the third plurality of physical documents associated with the first deposit transaction and the fourth plurality of physical documents associated with the second deposit transaction in the financial institution document processing device;

generating first data associated with each one of the received third plurality of physical documents associated with the first deposit transaction;

generating second data associated with each one of the received fourth plurality of physical documents associated with the second deposit transaction;

comparing the first data with the first plurality of records to determine if any of the first plurality of documents associated with the first deposit transaction are no-show documents; and

comparing the second data with the second plurality of records to determine if any of the second plurality of documents associated with the second deposit transaction are no-show documents.

120. The method of claim 119, wherein the first customer financial account is distinct from the second customer financial account.

121. The method of claim 119, wherein the first customer financial account is the same as the second customer financial account.

122. The method of claim 119, wherein the first batch identification card includes a first barcode, the first barcode being associated with a first transaction identifier and the first customer financial account.

123. The method of claim 122, wherein the second batch identification card includes a second barcode, the second barcode being associated with a second transaction identifier and the second customer financial account.

124. The method of claim 119, wherein the first and the second batch identification cards are header cards or trailer cards.

125. The method of claim 119, wherein first batch identification card is a first customer deposit slip bearing a first declared deposit amount and the second batch identification card is a second customer deposit slip bearing a second declared deposit amount.

126. The method of claim 125, further comprising extracting the first declared deposit amount from the first customer deposit slip and extracting the second declared deposit amount from the second customer deposit slip.

127. The method of claim 119, wherein the input receptacle is configured to accept the third plurality of documents, the first batch identification card, the fourth plurality of documents, and the second batch identification card as a single stack of documents.

128. The method of claim 119, further comprising determining that one of the first plurality of documents associated with the first deposit transaction or one of the second plurality of documents associated with the second deposit transaction is a no-show document and in response to that determination, automatically transmitting a charge-back instruction.

129. The method of claim 119, further comprising:

comparing the first data with the first plurality of records to determine if any of the third plurality of physical documents associated with the first deposit transaction are unexpected documents; and

comparing the second data with the second plurality of records to determine if any of the fourth plurality of physical documents associated with the second deposit transaction are unexpected documents.

130. The method of claim 129, further comprising determining that one of the third plurality of physical documents associated with the first deposit transaction or one of the fourth plurality of physical documents associated with the second deposit transaction is an unexpected document.

131. The method of claim 119, wherein each of the first, the second, the third, and the fourth pluralities of physical documents includes currency bills, the generated first and second data associated with currency bills including a serial number and a denomination for each currency bill, each of the first and the second pluralities of records associated with a currency bill including a serial number and a denomination, wherein for currency bills the act of comparing the first data with the first plurality of records includes comparing the serial numbers and the denominations included therein and wherein for currency bills the act of comparing the second data with the second plurality of records includes comparing the serial numbers and the denominations included therein.

132. A financial institution document processing device for reconciling a customer deposit transaction involving a plurality of physical documents, the financial institution document processing device comprising:

a communications port configured to communicatively connect the financial institution document processing device to a network, the communications port configured to receive a data file including a plurality of customer records associated with the customer deposit transaction, the financial institution document processing device being configured to transmit a credit instruction to credit a customer account an amount in response to receiving the data file;

an input receptacle for receiving physical documents;

a transport mechanism for transporting the received physical documents along a transport path from the input receptacle to one or more output receptacles;

an image scanner positioned adjacent to the transport path, the image scanner configured to generate one or more electrical signals from which image data associated with each of the received physical documents can be derived, the image data being reproducible as a visually readable image of at least a portion of each of the received physical documents; and

a controller configured to extract identifying information from the image data associated with each of the received physical documents and to compare the extracted identifying information with the plurality of customer records to determine if all physical documents associated with the deposit transaction were received in the input receptacle, physical documents that were not received being no-show documents, the controller further being configured to automatically transmit a charge-back instruction in response to one of the physical documents associated with the deposit transaction not being received in the input receptacle, the charge-back instruction including information associated with the customer account and a value associated with the one of the physical documents.

133. The financial institution document processing device of claim 132, wherein the controller is further configured to compare the extracted identifying information with the plurality of customer records to determine if any unexpected documents were received with the physical documents associated with the deposit transaction in the input receptacle and to cause the financial institution document processing device to transmit a second credit instruction in response to determining one or more unexpected documents were received.

134. The financial institution document processing device of claim 132, wherein the transport mechanism is configured to transport the received physical documents at a rate of at least about 600 documents per minute.

135. The financial institution document processing device of claim 134, wherein each of the received physical documents has a wide edge, and wherein the transport mechanism is configured to transport the received physical documents in a wide-edge leading manner.

136. The financial institution document processing device of claim 135, wherein the visually readable images are at least 100 DPI by at least 100 DPI.

137. The financial institution document processing device of claim 136, wherein the financial institution document processing device has a footprint of less than about 2 square feet.

138. The financial institution document processing device of claim 132, wherein the physical documents include currency bills, the extracted identifying information associated with a currency bill including a serial number and a denomination, each of the customer records associated with a currency bill including a serial number and a denomination, wherein for currency bills the controller is configured to compare the serial numbers and the denominations included in the extracted identifying information with the serial numbers and the denominations included in the customer records.

139. A financial transaction system for reconciling a deposit transaction involving a plurality of documents, the financial transaction system comprising:

a first document processing system including;

i) a first communications port configured to communicatively connect the first document processing system with a network;

ii) a first input receptacle configured to receive all documents associated with the deposit transaction;

iii) a first transport mechanism configured to transport the documents received in the first input receptacle along a first transport path;

iv) a first image scanner positioned adjacent to the first transport path and configured to produce one or more electrical signals from which first image data can be derived, the first image data being associated with the documents received in the first input receptacle; and

v) a first controller configured to generate a data file that includes at least a portion of the first image data associated with the documents received in the first input receptacle, the controller configured to transmit the data file over the network;

an accounting system configured to credit a customer financial account in response to receiving a credit instruction and configured to debit the customer financial account in response to receiving a charge-back instruction; and

a second document processing system including;

i) a second communications port configured to communicatively connect the second document processing system with the network, the second communications port being configured to receive the data file over the network from the first document processing system, the second document processing system being configured transmit a credit instruction to the accounting system to credit the customer financial account an amount in response to receiving the data file;

ii) a second input receptacle configured to receive documents associated with the deposit transaction;

iii) a second transport mechanism configured to transport the documents received in the second input receptacle along a second transport path; and

iv) a second image scanner positioned adjacent to the second transport path and configured to produce one or more electrical signals from which second image data can be derived, the second image data being associated with the documents received in the second input receptacle;

wherein the second document processing system is configured to compare information associated with the first image data with information associated with the second image data to determine if all of the documents associated with the deposit transaction were received in the second input receptacle.

140. The financial transaction system of claim 139, wherein the second document processing system is configured to transmit a charge-back instruction to the accounting system to debit the customer financial account in an amount based on a value associated with one or more documents received in the first input receptacle and not received in the second input receptacle.

141. The financial transaction system of claim 139, wherein the second document processing system is configured to transmit a second credit instruction to the accounting system to credit the customer financial account in an amount based on a value associated with one or more documents received in the second input receptacle and not received in the first input receptacle.

142. The financial transaction system of claim 139, wherein the second document processing system has a footprint of less than about 2 square feet.

143. The financial transaction system of claim 142, wherein the second transport mechanism is configured to transport the documents received in the second input receptacle at a rate of at least about 800 documents per minute.

144. The financial transaction system of claim 143, wherein each of the documents received in the second input receptacle has a wide edge, and wherein the second transport mechanism is configured to transport the documents received in the second input receptacle in a wide-edge leading manner.

145. The financial transaction system of claim 139, wherein the documents include currency bills, the information associated with the first image data including serial numbers and denominations, the information associated with the second image data including serial numbers and denominations, wherein for currency bills the second document processing system is configured to compare the serial numbers and the denominations included in the information associated with the first image data with the serial numbers and the denominations included in the information associated with the second image data to determine if all of the documents associated with the deposit transaction were received in the second input receptacle.

146. A financial transaction system, comprising:

a customer document processing system configured to image a first plurality of documents associated with a deposit transaction, the first plurality of documents including U.S. currency bills and checks, the customer document processing system configured to generate first characteristic data corresponding to each document in the first plurality of documents, the customer document processing system being communicatively connected to a network, the customer document processing system being configured to transmit the first characteristic data over the network; and

a financial institution system communicatively connected to the network and configured to receive the first characteristic data from the customer document processing system via the network;

the financial institution system being configured to automatically credit a customer financial account an amount in response to receiving the first characteristic data;

the financial institution system being configured to image a second plurality of documents associated with the deposit transaction, the second plurality of documents including U.S. currency bills and checks, the customer document processing system configured to generate second characteristic data corresponding to each document in the second plurality of documents,

wherein the financial institution system is configured to compare the first characteristic data with the second characteristic data to determine if each one of the first plurality of documents corresponds with one of the second plurality of documents, and wherein the financial institution system is configured to automatically credit the customer financial account a second amount in response to an unexpected document being imaged with the second plurality of documents associated with the deposit transaction.

147. The financial transaction system of claim 146, wherein the financial institution system comprises a document processing system, a teller system running teller software, and an accounting system.

148. The financial transaction system of claim 147, wherein the financial transaction system includes an item processing system configured to receive the first characteristic data from the customer document processing system.

149. The financial transaction system of claim 146, wherein the financial institution system is configured to automatically debit the customer financial account in response to a no-show document being imaged with the first plurality of documents associated with the deposit transaction and not being imaged with the second plurality of documents associated with the deposit transaction.

150. The financial transaction system of claim 146, wherein the financial institution system has a footprint of less than about 2 square feet.

151. The financial transaction system of claim 146, wherein the first characteristic data includes a serial number and a denomination for each U.S. currency bill included in the first plurality of documents and wherein the second characteristic data includes a serial number and a denomination for each U.S. currency bill included in the second plurality of documents, wherein for U.S. currency bills the financial institution system is configured to compare the serial numbers and the denominations included in the first characteristic data with the serial numbers and the denominations included in the second characteristic data to determine if each one of the first plurality of documents corresponds with one of the second plurality of documents.

152. A method of processing a deposit transaction involving a plurality of currency bills and a plurality of checks, wherein a financial institution document processing system performs the acts comprising:

receiving a plurality of currency bill records associated with the deposit transaction, each currency bill record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of currency bills;

receiving a plurality of check records associated with the deposit transaction, each check record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of checks;

transmitting a credit instruction to credit a customer financial account for an amount in response to the receiving the plurality of currency bill records associated with the deposit transaction and the receiving the plurality of check records associated with the deposit transaction;

receiving currency bills associated with the deposit transaction;

generating a financial institution currency bill record for each one of the received currency bills;

determining that all currency bills associated with the deposit transaction were received in the financial institution document processing system during the act of receiving currency bills by comparing the received plurality of currency bill records associated with the deposit transaction with the financial institution currency bill records associated with the deposit transaction;

processing the checks based only on the check records associated with the deposit transaction;

determining that one of the checks associated with the deposit transaction was drawn on insufficient funds; and

in response to the insufficient funds determination, automatically transmitting a charge-back instruction, the charge-back instruction including information associated with the customer financial account and a value associated with the one of the checks associated with the deposit transaction that was drawn on insufficient funds.

153. The method of claim 152, wherein the act of processing the checks includes electronically reconciling the checks.

154. The method of claim 152, wherein the act of processing the checks includes transmitting the check records associated with transit checks to one or more financial institutions.

155. The method of claim 152, wherein the act of processing the checks includes settling, based on respective check records, the checks associated with on-us checks.

156. The method of claim 152, wherein the one of the checks is a transit check.

157. The method of claim 152, wherein the one of the checks is an on-us check.

158. The method of claim 152, wherein each of the generated financial institution currency bill records includes a serial number and a denomination and wherein each of the plurality of currency bill records includes a serial number and a denomination, and wherein the act of comparing the received plurality of currency bill records with the generated financial institution currency bill records includes comparing the serial numbers and the denominations included therein.

159. A method of processing a deposit transaction involving a plurality of currency bills and a plurality of checks, wherein a financial institution document processing system performs the acts comprising:

receiving a plurality of currency bill records associated with the deposit transaction, each currency bill record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of currency bills;

receiving a plurality of check records associated with the deposit transaction, each check record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of checks;

transmitting a credit instruction to credit a customer financial account for an amount in response to the receiving the plurality of currency bill records associated with the deposit transaction and the receiving the plurality of check records associated with the deposit transaction;

receiving currency bills associated with the deposit transaction;

generating a financial institution currency bill record for each one of the received currency bills;

reconciling the currency bills received with the plurality of currency bills records received;

processing the checks based only on the check records associated with the deposit transaction;

determining that one of the checks associated with the deposit transaction was drawn on insufficient funds; and

in response to the insufficient funds determination, automatically transmitting a charge-back instruction, the charge-back instruction including information associated with the customer financial account and a value associated with the one of the checks associated with the deposit transaction that was drawn on insufficient funds.

160. The method of claim 159, wherein the charge-back instruction further includes a record associated with the one of the checks associated with the deposit transaction that was drawn on insufficient funds, the record including image data that is reproducible as a visually readable image of at least a portion of the one of the checks associated with the deposit transaction that was drawn on insufficient funds.

161. The method of claim 159, wherein the charge-back instruction causes the customer financial account to be debited an amount equal to the value associated with the one of the checks associated with the deposit transaction that was drawn on insufficient funds.

162. The method of claim 159, wherein each of the generated financial institution currency bill records includes a serial number and a denomination and wherein each of the plurality of currency bill records includes a serial number and a denomination, and wherein the act of reconciling the currency bills received with the plurality of currency bills records received includes comparing the serial numbers and the denominations included in the generated financial institution currency bill records with the serial numbers and the denominations included in the plurality of currency bill records.

163. A method of reconciling customer deposit transactions in a financial transaction system, comprising:

receiving a first plurality of documents in an input receptacle of a customer document processing system;

transporting the first plurality of documents from the input receptacle past an image scanner to a first output receptacle, the image scanner being configured to image each of the first plurality of documents to generate image data that is reproducible as a visually readable image of at least a portion of each of the documents in the first plurality of documents;

transmitting the image data generated in the customer document processing system over a network;

receiving the transmitted image data in a financial institution system, the financial institution system including a financial institution document processing system communicatively connected to an accounting system;

crediting a customer financial account an amount based on a total deposit value, the total deposit value equal to a sum of values associated with the received image data;

receiving a second plurality of documents in an input receptacle of the financial institution document processing system;

imaging the second plurality of documents in the financial institution document processing system to generate image data that is reproducible as a visually readable image of at least a portion of each of the documents in the second plurality of documents;

determining if any of the first plurality of documents are no-show documents by comparing in the financial institution system information associated with the image data generated in the customer document processing system with information associated with the image data generated in the financial institution document processing system; and

in response to a no-show document determination, transmitting a charge-back instruction from the financial institution document processing system to the accounting system to charge-back the customer financial account an amount equal to a value associated with the determined no-show document.

164. The method of claim 163, further comprising extracting information from the image data generated by the image scanner and tagging the extracted information to records associated with each of the first plurality of documents.

165. The method of claim 164, wherein the extracted information includes a serial number, a denomination, a checking account number, a bank routing number, a check amount, a check number, or any combination thereof.

166. The method of claim 163, wherein the financial institution document processing system further includes a plurality of output receptacles, the financial institution document processing system being configured to sort the second plurality of documents into the plurality of output receptacles.

167. The method of claim 163, wherein the amount credited to the customer financial account is a predetermined percentage of the total deposit value.

168. The method of claim 163, further comprising determining that one or more of the first plurality of documents are no-show documents.

169. The method of claim 163, further comprising determining if any of the second plurality of documents are unexpected documents by comparing in the financial institution system information associated with the image data generated in the customer document processing system with information associated with the image data generated in the financial institution document processing system.

170. The method of claim 169, further comprising determining that one or more of the second plurality of documents are unexpected documents.

171. The method of claim 163, wherein the transporting comprises transporting the first plurality of documents at a rate of at least about 1200 documents per minute.

172. The method of claim 171, wherein each of the first plurality of documents has a wide edge, and wherein the act of transporting comprises transporting each of the first plurality of documents in a wide-edge leading manner.

173. The method of claim 172, wherein the visually readable images are at least 100 DPI by at least 100 DPI.

174. The method of claim 173, wherein the customer document processing system has a footprint of less than about 2 square feet.

175. The method of claim 163, wherein the first plurality of documents and the second plurality of documents includes currency bills, the information associated with the image data generated in the customer document processing system including serial numbers and denominations and the information associated with the image data generated in the financial institution document processing system including serial numbers and denominations, and wherein the act of comparing includes comparing the serial numbers and the denominations included in the information associated with the image data generated in the customer document processing system with the serial numbers and the denominations included in the information associated with the image data generated in the financial institution document processing system.

176. A method of processing a deposit transaction involving a plurality of physical documents, wherein a financial institution document processing system performs the acts comprising:

receiving physical documents associated with the deposit transaction in an input receptacle of the financial institution document processing system;

generating a financial institution record for each one of the received physical documents via the financial institution document processing system;

comparing a plurality of customer records associated with the deposit transaction with the generated financial institution records associated with the deposit transaction to determine if all physical documents associated with the deposit transaction were received in the financial institution document processing system during the act of receiving physical documents; and

in response to a determination that one of the physical documents associated with one of the plurality of customer records associated with the deposit transaction was not received during the act of receiving physical documents, automatically transmitting a charge-back instruction, the charge-back instruction including information associated with a customer financial account and a value associated with the one of the physical documents.

177. The method of claim 176, further comprising determining that all of the physical documents associated with the deposit transaction were received during the act of receiving physical documents.

178. The method of claim 176, further comprising determining that one of the physical documents associated with one of the plurality of customer records associated with the deposit transaction was not received during the act of receiving physical documents, the one of the physical documents associated with the one of the plurality of customer records associated with the deposit transaction that was determined to have not been received being a no-show document.

179. The method of claim 178, wherein the charge-back instruction further includes image data that is reproducible as a visually readable image of at least a portion of the no-show document.

180. The method of claim 178, wherein the charge-back instruction causes the customer financial account to be debited an amount equal to the value associated with the no-show document.

181. The method of claim 178, further comprising transporting the received physical documents associated with the deposit transaction along a transport path of the financial institution document processing system, wherein each of the physical documents associated with the deposit transaction has a wide edge, and wherein the act of transporting comprises transporting each physical document in a wide-edge leading manner.

182. The method of claim 181, wherein the transporting comprises transporting the received physical documents associated with the deposit transaction at a rate of at least about 1200 documents per minute.

183. The method of claim 182, wherein each customer record includes image data that is reproducible as a visually readable image of at least a portion of a respective physical document associated with the deposit transaction, and wherein the visually readable images are at least 100 DPI by at least 100 DPI.

184. The method of claim 183, wherein the financial institution document processing system has a footprint of less than about 2 square feet.

185. The method of claim 176, further comprising in response to a determination that an unexpected document has been received with the physical documents associated with the deposit transaction, automatically transmitting a credit instruction.

186. The method of claim 185, further comprising determining that one of the received physical documents is an unexpected document by the act of comparing.

187. The method of claim 176, wherein the plurality of physical documents includes currency bills, each of the generated financial institution records associated with a currency bill including a serial number and a denomination, each of the customer records associated with a currency bill including a serial number and a denomination, wherein for currency bills the act of comparing the plurality of customer records with the generated financial institution records includes comparing the serial numbers and the denominations included therein.

188. A method of processing a deposit transaction involving a plurality of physical documents, wherein a financial institution document processing system performs the acts comprising:

receiving physical documents associated with the deposit transaction in an input receptacle of the financial institution document processing system;

generating a financial institution record for each one of the received physical documents via the financial institution document processing system;

comparing a plurality of customer records associated with the deposit transaction with the generated financial institution records associated with the deposit transaction to determine if all physical documents associated with the deposit transaction were received in the financial institution document processing system during the act of receiving physical documents; and

in response to a determination that an unexpected document has been received with the physical documents associated with the deposit transaction, automatically transmitting a credit instruction, the credit instruction including information associated with a customer financial account and a value associated with the unexpected document.

189. The method of claim 188, further comprising determining that all of the physical documents associated with the deposit transaction were received during the act of receiving physical documents.

190. The method of claim 188, further comprising determining that one of the received physical documents is an unexpected document.

191. The method of claim 190, wherein the credit instruction further includes image data that is reproducible as a visually readable image of at least a portion of the unexpected document.

192. The method of claim 190, wherein the credit instruction causes the customer financial account to be credited an amount equal to the value associated with the unexpected document.

193. The method of claim 188, further comprising determining that one of the physical documents associated with the deposit transaction was not received during the act of receiving physical documents, the one of the physical documents associated with the deposit transaction that was not received being a no-show document, and in response to the determination that one of the physical documents associated with the deposit transaction was not received during the act of receiving physical documents, automatically transmitting a charge-back instruction.

194. The method of claim 188, further comprising transporting the received physical documents associated with the deposit transaction along a transport path of the financial institution document processing system at a rate of at least about 600 documents per minute.

195. The method of claim 194, wherein each of the physical documents associated with the deposit transaction has a wide edge, and wherein the act of transporting comprises transporting each physical document in a wide-edge leading manner.

196. The method of claim 195, wherein the financial institution document processing system has a footprint of less than about 2 square feet.

197. The method of claim 196, wherein each customer record includes image data that is reproducible as a visually readable image of at least a portion of a respective physical document associated with the deposit transaction, and wherein the visually readable images are at least 200 DPI by at least 200 DPI.

198. The method of claim 188, wherein the plurality of physical documents includes currency bills, each of the generated financial institution records associated with a currency bill including a serial number and a denomination, each of the customer records associated with a currency bill including a serial number and a denomination, wherein for currency bills the act of comparing the plurality of customer records with the generated financial institution records includes comparing the serial numbers and the denominations included therein.

199. A method of processing a deposit transaction involving a plurality of physical documents, wherein a financial institution document processing system performs the acts comprising:

receiving a data file associated with the deposit transaction, the data file including a plurality of customer records, each customer record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of physical documents;

transmitting a credit instruction to credit a customer financial account for an amount in response to the receiving the data file associated with the deposit transaction;

receiving physical documents associated with the deposit transaction in an input receptacle of the financial institution document processing system;

generating a financial institution record for each one of the received physical documents via the financial institution document processing system;

comparing the plurality of customer records associated with the deposit transaction with the generated financial institution records associated with the deposit transaction to determine if all physical documents associated with the plurality of customer records associated with the deposit transaction were received in the financial institution document processing system during the act of receiving physical documents;

authenticating the received physical documents associated with the deposit transaction;

determining that one of the received physical documents associated with the deposit transaction is a suspect document; and

in response to the determination that one of the received physical documents associated with the deposit transaction is a suspect document, automatically transmitting a charge-back instruction, the charge-back instruction including information associated with a customer financial account and a value associated with the suspect document.

200. The method of claim 199, wherein the charge-back instruction further includes a record associated with the suspect document, the record including image data that is reproducible as a visually readable image of at least a portion of the suspect document.

201. The method of claim 199, wherein the charge-back instruction causes the customer financial account to be debited an amount equal to the value associated with the suspect document.

202. The method of claim 199, wherein the plurality of physical documents includes currency bills, each of the generated financial institution records associated with a currency bill including a serial number and a denomination, each of the plurality of customer records associated with a currency bill including a serial number and a denomination, wherein for currency bills the act of comparing the plurality of customer records with the generated financial institution records includes comparing the serial numbers and the denominations included therein.

203. A method of processing a deposit transaction associated with a plurality of currency bills and a plurality of checks, wherein a financial institution document processing system performs the acts comprising:

receiving a plurality of currency bill records associated with the deposit transaction, each currency bill record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of currency bills;

receiving a plurality of check records associated with the deposit transaction, each check record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of checks;

transmitting a credit instruction to credit a customer financial account for an amount in response to the receiving the plurality of currency bill records associated with the deposit transaction and the receiving the plurality of check records associated with the deposit transaction;

receiving currency bills associated with the deposit transaction;

generating a financial institution currency bill record for each one of the received currency bills;

reconciling the currency bills received with the plurality of currency bills records received;

processing the checks based only on the check records associated with the deposit transaction;

in response to a determination that one of the plurality of currency bills associated with one of the currency bill records associated with the deposit transaction was not received during the act of receiving currency bills, automatically transmitting a charge-back instruction, the charge-back instruction including information associated with the customer financial account and a value associated with the one of the plurality of currency bills.

204. The method of claim 203, further comprising determining that each of the plurality of currency bills associated with the deposit transaction were received during the act of receiving currency bills by the act of reconciling.

205. The method of claim 203, further comprising determining that the one of the plurality of currency bills associated with the deposit transaction was not received during the act of receiving currency bills, the one of the plurality of currency bills associated with the deposit transaction that was not received being a no-show document.

206. The method of claim 205, wherein the charge-back instruction further includes image data that is reproducible as a visually readable image of at least a portion of the no-show document.

207. The method of claim 205, wherein the charge-back instruction causes the customer financial account to be debited an amount equal to the value associated with the no-show document.

208. The method of claim 203, wherein each of the generated financial institution currency bill records includes a serial number and a denomination and wherein each of the received plurality of currency bill records includes a serial number and a denomination, wherein the act of reconciling includes comparing the serial numbers and the denominations included in the generated financial institution currency bill records with the serial numbers and the denominations included in the received plurality of currency bill records.

209. A method of processing a deposit transaction associated with a plurality of currency bills and a plurality of checks, wherein a financial institution document processing system performs the acts comprising:

receiving a plurality of currency bill records associated with the deposit transaction, each currency bill record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of currency bills;

receiving a plurality of check records associated with the deposit transaction, each check record including image data that is reproducible as a visually readable image of at least a portion of a respective one of the plurality of checks;

transmitting a credit instruction to credit a customer financial account for an amount in response to the receiving the plurality of currency bill records associated with the deposit transaction and the receiving the plurality of check records associated with the deposit transaction;

receiving currency bills associated with the deposit transaction;

generating a financial institution currency bill record for each one of the received currency bills;

reconciling the currency bills received with the plurality of currency bills records received;

processing the checks based only on the check records associated with the deposit transaction;

in response to a determination that one of the received currency bills associated with the deposit transaction is an unexpected document, automatically transmitting a second credit instruction, the credit instruction including information associated with the customer financial account and a value associated with the unexpected document.

210. The method of claim 209, further comprising determining that the one of the received currency bills is an unexpected document by the act of reconciling.

211. The method of claim 210, wherein the second credit instruction further includes image data that is reproducible as a visually readable image of at least a portion of the unexpected document.

212. The method of claim 210, wherein the second credit instruction causes the customer financial account to be credited an amount equal to the value associated with the unexpected document.

213. The method of claim 209, wherein each of the generated financial institution currency bill records includes a serial number and a denomination and wherein each of the received plurality of currency bill records includes a serial number and a denomination, wherein the act of reconciling includes comparing the serial numbers and the denominations included in the generated financial institution currency bill records with the serial numbers and the denominations included in the received plurality of currency bill records.