Capital One Services, LLC

Ing Direct N.v.

Captial One Financial Corporation

Todd Adam Sandler

Rudolph Christian Wolfs

Robert Dean Rowley, Iii

Daniel Lloyd Struble

James John Kelly

Joseph DeLiberis

William Pierce Abrams, Jr

A method for authenticating a check of a plurality of checks where the check was previously issued from a first party to a second party, including receiving first information from the first party, storing the first information in a file of a third party and receiving the check. The check has first party identifying information, a unique pseudorandom number of a pseudorandom sequence, and an amount. A status of activating the plurality of checks is determined. At least a portion of the first party identifying information included with the check, the unique pseudorandom number included with the check and the check amount included with the check are authenticated. The received check is authenticated if the first party, the unique pseudorandom number included with the check and the amount included with the check are authenticated and if the plurality of checks have been activated.

Method for authenticating financial instruments and financial transaction requests

A system and method for securing financial information in payment instruments including generating a pseudorandom number sequence, generating an activation code, including a unique pseudorandom number of the sequence with each payment instrument of a plurality of payment instruments and issuing the plurality of payment instruments with the activation code to a customer. The activation code is associated with customer identifying information and each unique pseudorandom number of the sequence included with each payment instrument of the plurality of payment instrument. The plurality of payment instruments is activated with the activation code. A received payment instrument of the plurality of payment instruments is authenticated if the customer and the unique pseudorandom number of the sequence included on the received payment instrument are authenticated and if the plurality of payment instruments are activated.

System and method for securing payment instruments

Growing community of inventors

Gladwyne, PA, United States of America

Todd Adam Sandler