Authorizing or printing negotiable instrument
US9703509B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 16, 2014 |
| Grant date | Jul 11, 2017 |
| Priority date | — |
| Expiry date | Apr 16, 2034 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/385
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method of authorizing a negotiable instrument includes automatically receiving a request for the instrument, identity data identifying a requester, and a location of a requester. If the location is within location range for the identity data, a verification code is transmitted to the client. An input code is received from a personal mobile device at a location. If the input code matches the verification code and the device is near the requester, a reference code of the negotiable instrument is transmitted to the client and is stored. A method of performing a financial transaction indicated by the instrument includes automatically receiving the reference code, receiving identifying data of a bearer of the negotiable instrument; determining whether the received identifying data correspond to a request for the instrument; and, if so, producing a transaction record corresponding to the request and invalidating the reference code. Systems are also described.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.