The tip below is crude, but it works for me.
On 2/17, I made two posts called "How to increment a number by one."  It was actually how to increase a combination of text and number by one.  For each day, pretend this year's leading text
part is 7362.  Use the technique shared with me posted on 2/17 to separate your number into 3 parts.  7 + middle three and right 4.  Add one to the middle 3 for the day and then add one to the right 4 during the day.  Annoyingly, you will have to manually change your starting point each day unless you can figure out how to ask the system clock for the day of the year.  In my case, I only need to change the left few once per year, but in your case, you could, each day, until you figure out better, add a transaction before others have access to the transactions, overwrite that transaction with a starter number.
If yesterday's transactions was, say, 70401581, then the code would create 70401582. Overwrite that with 70410999.  The first transaction of the day with the autoincrement will be 70411000.  Yearly, manually, do the same thing. Create a new transaction at the end of the year an overwrite.  Suppose the last transaction this year is 73651702.  Overwrite the new record with 8001999.  The first transaction will be 70011000.  Crude but it will work until you find a better way.  Modifying the code I posted on 2/17, you code would look similar to:

DoCmd.GoToRecord , , acNewRec
Dim varResult As Variant
' in DMax(), use the FieldName and the TableName, respectively
varResult = DMax("TranactionNum", "tblTransaction")
' This next part separates (parses) the text from the number part,
' adds 1; then puts the parts back together with leading zeros.
Me.[ TransactionNum] = Left(varResult, 4) & _
Format(Val(Right(varResult, 4)) + 1, "0000")