Banking Systems Controlled by Data Bearing Records

A method, comprising:

• at a cash handling device comprising at least one processor, a communication interface, an item accepting device, an item dispensing device, and a memory:
• receiving, by the cash handling device, from a first user of the cash handling device, a request to perform a deposit transaction at a deployment location of the cash handling device;
• based on receiving the request to perform the deposit transaction at the deployment location of the cash handling device, receiving, by the cash handling device, via the item accepting device, at least one deposit item for deposit at the deployment location of the cash handling device;
• validating, by the cash handling device, the at least one deposit item received for deposit at the deployment location of the cash handling device;
• based on validating the at least one deposit item received for deposit at the deployment location of the cash handling device, generating, by the cash handling device, a deposit transaction record associated with the request to perform the deposit transaction, the deposit transaction record comprising deposit information directing at least one banking server to apply a provisional credit to at least one treasury account associated with the first user of the cash handling device;
• sending, by the cash handling device, via the communication interface, and to the at least one banking server, the deposit transaction record;
• receiving, by the cash handling device, from a second user of the cash handling device, a request to perform a change order transaction at the deployment location of the cash handling device;
• based on receiving the request to perform the change order transaction at the deployment location of the cash handling device, receiving, by the cash handling device, via the item accepting device, at least one change order item for exchange at the deployment location of the cash handling device;
• validating, by the cash handling device, the at least one change order item received for exchange at the deployment location of the cash handling device;
• based on validating the at least one change order item received for exchange at the deployment location of the cash handling device, dispensing, by the cash handling device, via the item dispensing device, one or more currency items to complete the change order transaction;
• generating, by the cash handling device, a change order transaction record associated with the request to perform the change order transaction, the change order transaction record comprising change order information directing the at least one banking server to update one or more transaction history records associated with the second user of the cash handling device;
• and
• sending, by the cash handling device, via the communication interface, and to the at least one banking server, the change order transaction record.

One or more non-transitory computer-readable media storing instructions that, when executed by a cash handling device comprising at least one processor, a communication interface, an item accepting device, an item dispensing device, and a memory, cause the cash handling device to:

• receive, from a first user of the cash handling device, a request to perform a deposit transaction at a deployment location of the cash handling device;
• based on receiving the request to perform the deposit transaction at the deployment location of the cash handling device, receive, via the item accepting device, at least one deposit item for deposit at the deployment location of the cash handling device;
• validate the at least one deposit item received for deposit at the deployment location of the cash handling device;
• based on validating the at least one deposit item received for deposit at the deployment location of the cash handling device, generate a deposit transaction record associated with the request to perform the deposit transaction, the deposit transaction record comprising deposit information directing at least one banking server to apply a provisional credit to at least one treasury account associated with the first user of the cash handling device;
• send, via the communication interface, and to the at least one banking server, the deposit transaction record;
• receive, from a second user of the cash handling device, a request to perform a change order transaction at the deployment location of the cash handling device;
• based on receiving the request to perform the change order transaction at the deployment location of the cash handling device, receive, via the item accepting device, at least one change order item for exchange at the deployment location of the cash handling device;
• validate the at least one change order item received for exchange at the deployment location of the cash handling device;
• based on validating the at least one change order item received for exchange at the deployment location of the cash handling device, dispense, via the item dispensing device, one or more currency items to complete the change order transaction;
• generate a change order transaction record associated with the request to perform the change order transaction, the change order transaction record comprising change order information directing the at least one banking server to update one or more transaction history records associated with the second user of the cash handling device;
• and
• send, via the communication interface, and to the at least one banking server, the change order transaction record.