Apparatus and system for imaging currency bills and financial documents and method for using the same
First Claim
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 Assignments
0 Petitions
Accused Products
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.
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Citations
213 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method of processing physical documents associated with a deposit transaction, comprising:
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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. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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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:
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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. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44)
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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:
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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. - View Dependent Claims (46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59)
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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:
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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. - View Dependent Claims (61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77)
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78. A method of processing documents, the method comprising:
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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. - View Dependent Claims (79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94)
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95. A method of using a document processing system to process a deposit transaction, the method comprising:
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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. - View Dependent Claims (96, 97, 98, 99, 100, 101, 102, 103, 104, 105, 106, 107, 108, 109, 110, 111, 112, 113, 114, 115, 116, 117, 118)
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119. A method of processing documents, comprising:
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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. - View Dependent Claims (120, 121, 122, 123, 124, 125, 126, 127, 128, 129, 130, 131)
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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:
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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. - View Dependent Claims (133, 134, 135, 136, 137, 138)
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139. A financial transaction system for reconciling a deposit transaction involving a plurality of documents, the financial transaction system comprising:
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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. - View Dependent Claims (140, 141, 142, 143, 144, 145)
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146. A financial transaction system, comprising:
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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. - View Dependent Claims (147, 148, 149, 150, 151)
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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:
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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. - View Dependent Claims (153, 154, 155, 156, 157, 158)
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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:
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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. - View Dependent Claims (160, 161, 162)
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163. A method of reconciling customer deposit transactions in a financial transaction system, comprising:
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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. - View Dependent Claims (164, 165, 166, 167, 168, 169, 170, 171, 172, 173, 174, 175)
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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:
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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. - View Dependent Claims (177, 178, 179, 180, 181, 182, 183, 184, 185, 186, 187)
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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:
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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. - View Dependent Claims (189, 190, 191, 192, 193, 194, 195, 196, 197, 198)
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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:
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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. - View Dependent Claims (200, 201, 202)
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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:
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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. - View Dependent Claims (204, 205, 206, 207, 208)
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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:
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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. - View Dependent Claims (210, 211, 212, 213)
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Specification