> 1. This is a familiar problem and it is where I spend the majority of time. If a bank provides a unique transaction ID the it would be a simple matter of code; however, none of mine do.

This is an annoying problem I've had to deal with also (banks have some unique ID somewhere, why not provide it?).

I create my own unique ID to the extent that it's possible. Some txns have the exact same info but are 2 sep txns, requires a bit of messy logic.