Abstract: Disclosed herein are system, apparatus, device, method and/or computer program product embodiments for identifying, in a remote deposit system, a level of correspondence of a financial instrument with past deposit activity. The level of correspondence may be used to determine a funds availability schedule and/or identify counterfeit financial instruments. In some embodiments, the level of correspondence may be determined by comparing a date associated with the financial instrument to a date parameter, an amount of the financial instrument to an amount parameter, and/or one or more financial instrument characteristics with one or more payer-specific financial instrument characteristics.

Abstract: A drilling tool (10) includes a pilot bit (14) and a plurality of mills (16) encircling the pilot bit. The pilot bit and the plurality of mills are each driven by a separate, hydraulically powered turbine or positive displacement motor. (20) The drilling tool does not include a transmission for transmitting power from the turbine or motor to any of the plurality of mills or the pilot bit.

Abstract: An earth boring tool includes two coaxially-aligned, positive displacement motors. One motor turns a pilot bit and the other turns a reamer concentric with the pilot bit. The central bit bores the center of the hole and the reamer enlarges it. The central bit is rotated relatively faster, while rotation of the larger diameter reamer is relatively slow. The tool can thus be used to bore larger diameter holes without slowing drilling rates or adversely affecting performance of the cutter elements due to higher tangential velocities.

Abstract: A drilling tool (10) includes a pilot bit (14) and a plurality of mills (16) encircling the pilot bit. The pilot bit and the plurality of mills are each driven by a separate, hydraulically powered turbine or positive displacement motor. (20) The drilling tool does not include a transmission for transmitting power from the turbine or motor to any of the plurality of mills or the pilot bit.