Manning Ventures, Inc.

Sanchit Sarin

William Manning

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.

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Fairport, NY, United States of America

Sanchit Sarin