Patent ID: 9703509
Date: 2017-07-11
CPC Classifications: G06F,G06Q

Claim:
1. A method of authorizing a negotiable instrument, the method comprising automatically performing the following steps using a host processor: receiving a request for a negotiable instrument from a client processor, the request including identity data identifying a requester, and a first location of a client from which the request originates, the first location being obtained from a first location sensor; retrieving a first location range and a known identifier corresponding to the received identity data; determining, if the received first location is within the first location range, and if the received first location is within the retrieved first location range, then producing a verification code and transmitting the verification code to the client processor; prompting the client to enter an input code into a personal mobile device and transmitting a unique identifier of the personal mobile device, the input code, and a location of the personal mobile device to the host processor, as determined by a second location sensor; using the host processor, determining whether the received input code matches the produced verification code, the received unique identifier matches a stored known identifier, and a received second location as determined by the second location sensor is within a selected distance of the received first location; and if the code and identifier match and the second location is within the selected distance of the first location, determining a reference code of the negotiable instrument, transmitting the determined reference code to the client processor, and storing the determined reference code in association with the request in a storage device.