Abstract: A check authorization system and process that provides an issuing company to control all aspects of the check authorization, including the issuing of transaction authorization, the transaction approval, and the bank reconciliation. Presigned drafts are carried by authorized personnel for use when away from one's domicile. When funds are required, an authorized person obtains a transaction authorization number form the issuing company via telephone for recordation upon the presigned draft. The location cashing the draft contacts the issuing company for a transaction approval code, which is recorded on the draft, before accepting and cashing the draft. Subsequently, the draft is presented to a bank for payment. The securing of or transaction authorization number requires the recordation of the area code and telephone number for tracking of the authorized person's location.