Enhanced authentication framework using EPROM grid pattern recognition

Systems, computer program products, and methods are described herein for implementing an enhanced authentication framework using Erasable Programmable Read-Only Memory (EPROM) grid pattern recognition. The present invention is configured to receive an indication of a resource transfer interaction initiated by a user using a resource transfer instrument at a resource transfer terminal, wherein the resource transfer instrument comprises an embedded EPROM grid, wherein the embedded EPROM grid is configurable to store a unique pattern associated with the user; retrieve, from the resource transfer terminal, the unique pattern from the embedded EPROM grid; determine that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user; and authorize an execution of the resource transfer interaction by the user based on at least determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user.

FIELD OF THE INVENTION

The present invention embraces a system for implementing an enhanced authentication framework using Erasable Programmable Read-Only Memory (EPROM) grid pattern recognition.

BACKGROUND

With ubiquitous use of resource transfer instruments to initiate resource transfer interactions with entities, there is a need for an enhanced authentication framework capable of distinguishing a legitimate resource transfer instrument from a duplicate.

SUMMARY

In one aspect, a system for implementing an enhanced authentication framework using Erasable Programmable Read-Only Memory (EPROM) grid pattern recognition is presented. The system comprising: at least one non-transitory storage device; and at least one processing device coupled to the at least one non-transitory storage device, wherein the at least one processing device is configured to: electronically receive an indication of a resource transfer interaction initiated by a user using a resource transfer instrument at a resource transfer terminal, wherein the resource transfer instrument comprises an embedded EPROM grid, wherein the embedded EPROM grid is configurable to form a unique pattern associated with the user; electronically retrieve, from the resource transfer terminal, the unique pattern from the embedded EPROM grid; determine that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user; and authorize an execution of the resource transfer interaction by the user based on at least determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user.

In some embodiments, the at least one processing device is further configured to: generate the one or more pre-registered unique patterns associated with the user, wherein generating further comprises: generating a digital emulation of the embedded EPROM grid associated with the resource transfer instrument, wherein the digital emulation of the embedded EPROM grid comprises one or more selectable grids; transmitting, via a computing device of the user, the digital emulation of the embedded EPROM grid; electronically receiving, via the computing device of the user, a user selection of one or more combinations of the one or more selectable grids from the digital emulation of the embedded EPROM grid; generating the one or more pre-registered unique patterns based on at least the user selection of the one or more combinations of the one or more selectable grids; and storing the one or more pre-registered unique patterns in a grid pattern repository.

In some embodiments, the at least one processing device is further configured to generate the one or more pre-registered unique patterns associated with the user, wherein generating further comprises: capturing, using the computing device of the user, an interaction of the user with the embedded EPROM grid, wherein the interaction comprises the user selection of the one or more combinations of the one or more selectable grids of the embedded EPROM grid; generating the one or more pre-registered unique patterns based on at least capturing the interaction of the user with the embedded EPROM grid; and storing the one or more pre-registered unique patterns in the grid pattern repository.

In some embodiments, the at least one processing device is further configured to: generate the one or more pre-registered unique patterns associated with the user, wherein generating further comprises: electronically receiving, via the computing device of the user, a request to generate the one or more pre-registered unique patterns; automatically generating the one or more pre-registered unique patterns in response to receiving the request; and storing the one or more pre-registered unique patterns in the grid pattern repository.

In some embodiments, the at least one processing device is further configured to determine that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user, wherein determining further comprises: comparing the unique pattern from the embedded EPROM grid with the one or more pre-registered unique patterns associated with the user; and determining a match between the unique pattern from the embedded EPROM grid and at least one of the one or more pre-registered unique patterns associated with the user.

In some embodiments, the at least one processing device is further configured to: determine that the unique pattern from the embedded EPROM grid does not match the one or more pre-registered unique patterns associated with the user; deny the resource transfer interaction by the user based on at least determining that the unique pattern from the embedded EPROM grid does not match the one or more pre-registered unique patterns associated with the user; and transmit a notification to the computing device of the user, wherein the notification comprises an indication that the resource transfer interaction initiated by the user is denied.

In some embodiments, the at least one processing device is further configured to: electronically receive one or more authentication credentials from the user in response to determining that the that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user; validate the one or more authentication credentials to verify an identity of the user based on at least receiving the one or more authentication credentials; and authorize an execution of the resource transfer interaction by the user based on at least (i) validating the one or more authentication credentials, and (ii) determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user.

In some embodiments, the at least one processing device is further configured to: electronically retrieve, from the resource transfer terminal, the unique pattern from an embedded chip interface of the resource transfer instrument, wherein the unique pattern from the embedded EPROM grid is stored in the embedded chip interface.

In another aspect, a computer program product for implementing an enhanced authentication framework using Erasable Programmable Read-Only Memory (EPROM) grid pattern recognition is presented. The computer program product comprising a non-transitory computer-readable medium comprising code causing a first apparatus to: electronically receive an indication of a resource transfer interaction initiated by a user using a resource transfer instrument at a resource transfer terminal, wherein the resource transfer instrument comprises an embedded EPROM grid, wherein the embedded EPROM grid is configurable to form a unique pattern associated with the user; electronically retrieve, from the resource transfer terminal, the unique pattern from the embedded EPROM grid; determine that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user; and authorize an execution of the resource transfer interaction by the user based on at least determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user.

In yet another aspect, a method for implementing an enhanced authentication framework using Erasable Programmable Read-Only Memory (EPROM) grid pattern recognition is presented. The method comprising: electronically receiving an indication of a resource transfer interaction initiated by a user using a resource transfer instrument at a resource transfer terminal, wherein the resource transfer instrument comprises an embedded EPROM grid, wherein the embedded EPROM grid is configurable to form a unique pattern associated with the user; electronically retrieving, from the resource transfer terminal, the unique pattern from the embedded EPROM grid; determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user; and authorizing an execution of the resource transfer interaction by the user based on at least determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

As described herein, a “user” may be an individual associated with an entity. As such, in some embodiments, the user may be an individual having past relationships, current relationships or potential future relationships with an entity. In some embodiments, a “user” may be an employee (e.g., an associate, a project manager, an IT specialist, a manager, an administrator, an internal operations analyst, or the like) of the entity or enterprises affiliated with the entity, capable of operating the systems described herein. In some embodiments, a “user” may be any individual, entity or system who has a relationship with the entity, such as a customer or a prospective customer. In other embodiments, a user may be a system performing one or more tasks described herein.

As used herein, an “interaction” may refer to any communication between one or more users, one or more entities or institutions, and/or one or more devices, nodes, clusters, or systems within the system environment described herein. For example, an interaction may refer to a transfer of data between devices, an accessing of stored data by one or more nodes of a computing cluster, a transmission of a requested task, or the like.

As used herein, a “resource” may generally refer to objects, products, devices, goods, commodities, services, and the like, and/or the ability and opportunity to access and use the same. Some example implementations herein contemplate property held by a user, including property that is stored and/or maintained by a third-party entity. In some example implementations, a resource may be associated with one or more accounts or may be property that is not associated with a specific account. Examples of resources associated with accounts may be accounts that have cash or cash equivalents, commodities, and/or accounts that are funded with or contain property, such as safety deposit boxes containing jewelry, art or other valuables, a trust account that is funded with property, or the like. For purposes of this invention, a resource is typically stored in a resource repository—a storage location where one or more resources are organized, stored and retrieved electronically using a computing device.

As used herein, a “resource transfer,” “resource distribution,” or “resource allocation” may refer to any transaction, activities or communication between one or more entities, or between the user and the one or more entities. A resource transfer may refer to any distribution of resources such as, but not limited to, a payment, processing of funds, purchase of goods or services, a return of goods or services, a payment transaction, a credit transaction, or other interactions involving a user's resource or account. In the context of an entity such as a financial institution, a resource transfer may refer to one or more of: a sale of goods and/or services, initiating an automated teller machine (ATM) or online banking session, an account balance inquiry, a rewards transfer, an account money transfer or withdrawal, opening a bank application on a user's computer or mobile device, a user accessing their e-wallet, or any other interaction involving the user and/or the user's device that invokes or is detectable by the financial institution. In some embodiments, the user may authorize a resource transfer using at least a payment instrument (credit cards, debit cards, checks, digital wallets, currency, loyalty points), and/or payment credentials (account numbers, payment instrument identifiers). A resource transfer may include one or more of the following: renting, selling, and/or leasing goods and/or services (e.g., groceries, stamps, tickets, DVDs, vending machine items, and the like); making payments to creditors (e.g., paying monthly bills; paying federal, state, and/or local taxes; and the like); sending remittances; loading money onto stored value cards (SVCs) and/or prepaid cards; donating to charities; and/or the like. Unless specifically limited by the context, a “resource transfer” a “transaction”, “transaction event” or “point of transaction event” may refer to any activity between a user, a merchant, an entity, or any combination thereof. In some embodiments, a resource transfer or transaction may refer to financial transactions involving direct or indirect movement of funds through traditional paper transaction processing systems (i.e. paper check processing) or through electronic transaction processing systems. In this regard, resource transfers or transactions may refer to the user initiating a purchase for a product, service, or the like from a merchant. Typical financial transactions include point of sale (POS) transactions, automated teller machine (ATM) transactions, person-to-person (P2P) transfers, internet transactions, online shopping, electronic funds transfers between accounts, transactions with a financial institution teller, personal checks, conducting purchases using loyalty/rewards points etc. When discussing that resource transfers or transactions are evaluated it could mean that the transaction has already occurred, is in the process of occurring or being processed, or it has yet to be processed/posted by one or more financial institutions. In some embodiments, a resource transfer or transaction may refer to non-financial activities of the user. In this regard, the transaction may be a customer account event, such as but not limited to the customer changing a password, ordering new checks, adding new accounts, opening new accounts, adding or modifying account parameters/restrictions, modifying a payee list associated with one or more accounts, setting up automatic payments, performing/modifying authentication procedures and/or credentials, and the like.

As used herein, “resource transfer instrument” may refer to an electronic payment vehicle, such as an electronic credit or debit card. The resource transfer may not be a “card” at all and may instead be account identifying information stored electronically in a user device, such as payment credentials or tokens/aliases associated with a digital wallet, or account identifiers stored by a mobile application. For purposes of the invention, the resource transfer instrument may be a biometric financial instrument that is a combination of a fingerprint scanner/touch sensor and applicable payment technology.

FIG.1presents an exemplary block diagram of the system environment for implementing an enhanced authentication framework using Erasable Programmable Read-Only Memory (EPROM) grid pattern recognition100, in accordance with an embodiment of the invention.FIG.1provides a unique system that includes specialized servers and system communicably linked across a distributive network of nodes required to perform the functions of the process flows described herein in accordance with embodiments of the present invention.

As illustrated, the system environment100includes a network110, a system130, a user input system140, a resource transfer instrument150, and a resource transfer terminal180. Also shown inFIG.1is a user of the user input system140. The user input system140may be a mobile device or other non-mobile computing device. The user may be a person who uses the user input system140and/or the resource transfer instrument150in communication with the resource transfer terminal180to execute resource transfers using one or more applications stored thereon. The one or more applications stored on the user input system140may be configured to communicate with the system130, execute a transaction, input information onto a user interface presented on the user input system140, or the like. The applications stored on the user input system140, the resource transfer terminal180, and the system130may incorporate one or more parts of any process flow described herein.

As shown inFIG.1, the system130, the resource transfer terminal180, and the user input system140are each operatively and selectively connected to the network110, which may include one or more separate networks. In addition, the network110may include a telecommunication network, local area network (LAN), a wide area network (WAN), and/or a global area network (GAN), such as the Internet. It will also be understood that the network110may be secure and/or unsecure and may also include wireless and/or wired and/or optical interconnection technology.

In some embodiments, the system130, the resource transfer terminal180, and the user input system140may be used to implement the processes described herein, including the mobile-side, resource transfer side, and server-side processes for installing a computer program from a mobile device to a computer, in accordance with an embodiment of the present invention. The system130is intended to represent various forms of digital computers, such as laptops, desktops, video recorders, audio/video player, radio, workstations, personal digital assistants, servers, wearable devices, Internet-of-things devices, augmented reality (AR) devices, virtual reality (VR) devices, extended reality (XR) devices automated teller machine devices, electronic kiosk devices, blade servers, mainframes, or any combination of the aforementioned. The user input system140is intended to represent various forms of mobile devices, such as personal digital assistants, cellular telephones, smartphones, and other similar computing devices. The components shown here, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the inventions described and/or claimed in this document.

In accordance with some embodiments, the system130may include a processor102, memory104, a storage device106, a high-speed interface108connecting to memory104, and a low-speed interface112connecting to low speed bus114and storage device106. Each of the components102,104,106,108,111, and112are interconnected using various buses, and may be mounted on a common motherboard or in other manners as appropriate. The processor102can process instructions for execution within the system130, including instructions stored in the memory104or on the storage device106to display graphical information for a GUI on an external input/output device, such as display116coupled to a high-speed interface108. In other implementations, multiple processors and/or multiple buses may be used, as appropriate, along with multiple memories and types of memory. Also, multiple systems, same or similar to system130may be connected, with each system providing portions of the necessary operations (e.g., as a server bank, a group of blade servers, or a multi-processor system). In some embodiments, the system130may be a server managed by the business. The system130may be located at the facility associated with the business or remotely from the facility associated with the business.

The memory104stores information within the system130. In one implementation, the memory104is a volatile memory unit or units, such as volatile random access memory (RAM) having a cache area for the temporary storage of information. In another implementation, the memory104is a non-volatile memory unit or units. The memory104may also be another form of computer-readable medium, such as a magnetic or optical disk, which may be embedded and/or may be removable. The non-volatile memory may additionally or alternatively include an EEPROM, flash memory, and/or the like. The memory104may store any one or more of pieces of information and data used by the system in which it resides to implement the functions of that system. In this regard, the system may dynamically utilize the volatile memory over the non-volatile memory by storing multiple pieces of information in the volatile memory, thereby reducing the load on the system and increasing the processing speed.

In some embodiments, the system130may be configured to access, via the110, a number of other computing devices (not shown). In this regard, the system130may be configured to access one or more storage devices and/or one or more memory devices associated with each of the other computing devices. In this way, the system130may implement dynamic allocation and de-allocation of local memory resources among multiple computing devices in a parallel or distributed system. Given a group of computing devices and a collection of interconnected local memory devices, the fragmentation of memory resources is rendered irrelevant by configuring the system130to dynamically allocate memory based on availability of memory either locally, or in any of the other computing devices accessible via the network. In effect, it appears as though the memory is being allocated from a central pool of memory, even though the space is distributed throughout the system. This method of dynamically allocating memory provides increased flexibility when the data size changes during the lifetime of an application and allows memory reuse for better utilization of the memory resources when the data sizes are large.

The system130may be implemented in a number of different forms, as shown inFIG.1. For example, it may be implemented as a standard server, or multiple times in a group of such servers. Additionally, the system130may also be implemented as part of a rack server system or a personal computer such as a laptop computer. Alternatively, components from system130may be combined with one or more other same or similar systems and an entire system140may be made up of multiple computing devices communicating with each other.

FIG.1also illustrates a user input system140, in accordance with an embodiment of the invention. The user input system140includes a processor152, memory154, an input/output device such as a display156, a communication interface158, and a transceiver160, among other components. The user input system140may also be provided with a storage device, such as a microdrive or other device, to provide additional storage. Each of the components152,154,158, and160, are interconnected using various buses, and several of the components may be mounted on a common motherboard or in other manners as appropriate.

The processor152is configured to execute instructions within the user input system140, including instructions stored in the memory154. The processor may be implemented as a chipset of chips that include separate and multiple analog and digital processors. The processor may be configured to provide, for example, for coordination of the other components of the user input system140, such as control of user interfaces, applications run by user input system140, and wireless communication by user input system140.

The memory154stores information within the user input system140. The memory154can be implemented as one or more of a computer-readable medium or media, a volatile memory unit or units, or a non-volatile memory unit or units. Expansion memory may also be provided and connected to user input system140through an expansion interface (not shown), which may include, for example, a SIMM (Single In Line Memory Module) card interface. Such expansion memory may provide extra storage space for user input system140or may also store applications or other information therein. In some embodiments, expansion memory may include instructions to carry out or supplement the processes described above and may include secure information also. For example, expansion memory may be provided as a security module for user input system140and may be programmed with instructions that permit secure use of user input system140. In addition, secure applications may be provided via the SIMM cards, along with additional information, such as placing identifying information on the SIMM card in a non-hackable manner. In some embodiments, the user may use the applications to execute processes described with respect to the process flows described herein. Specifically, the application executes the process flows described herein. It will be understood that the one or more applications stored in the system130and/or the user computing system140may interact with one another and may be configured to implement any one or more portions of the various user interfaces and/or process flow described herein.

In some embodiments, the user may use the user input system140to transmit and/or receive information or commands to and from the system130and the resource transfer terminal180. In this regard, the system130may be configured to establish a communication link with the user input system140, whereby the communication link establishes a data channel (wired or wireless) to facilitate the transfer of data between the user input system140and the system130. In doing so, the system130may be configured to access one or more aspects of the user input system140, such as, a GPS device, an image capturing component (e.g., camera), a microphone, a speaker, or the like.

The user input system140may communicate with the system130(and one or more other devices) wirelessly through communication interface158, which may include digital signal processing circuitry where necessary. Communication interface158may provide for communications under various modes or protocols, such as GSM voice calls, SMS, EMS, or MMS messaging, CDMA, TDMA, PDC, WCDMA, CDMA2000, or GPRS, among others. Such communication may occur, for example, through radio-frequency transceiver160. In addition, short-range communication may occur, such as using a Bluetooth, Wi-Fi, or other such transceiver (not shown). In addition, GPS (Global Positioning System) receiver module170may provide additional navigation—and location-related wireless data to user input system140, which may be used as appropriate by applications running thereon, and in some embodiments, one or more applications operating on the system130.

The user input system140may also communicate audibly using audio codec162, which may receive spoken information from a user and convert it to usable digital information. Audio codec162may likewise generate audible sound for a user, such as through a speaker, e.g., in a handset of user input system140. Such sound may include sound from voice telephone calls, may include recorded sound (e.g., voice messages, music files, etc.) and may also include sound generated by one or more applications operating on the user input system140, and in some embodiments, one or more applications operating on the system130.

FIG.1also illustrates a resource transfer terminal180, in accordance with an embodiment of the invention. Similar to the system130and the user input system140, the resource transfer terminal180includes a dedicated processor, memory, an input/output device such as a display, a communication interface, and a transceiver, among other components. The resource transfer terminal180may also be provided with a storage device, such as a microdrive or other device, to provide additional storage. Each of these components are interconnected using various buses, and several of the components may be mounted on a common motherboard or in other manners as appropriate.

FIG.1also illustrates a resource transfer instrument150, in accordance with an embodiment of the invention. A resource transfer instrument150may be capable of initiating (and executing) resource transfer interactions with the resource transfer terminal180. In some embodiments, the resource transfer instrument150may include an Erasable Programmable Read-Only Memory (EPROM) grid embedded thereon capable of being configured to implement an enhanced authentication requirement when executing resource transfer interactions. In one aspect, the resource transfer instrument150may be equipped with embedded digital signal processing circuitry where necessary to communicate with the resource transfer terminal180and may include application-specific-integrated circuitry (ASIC) capable of executing the resource transfer interactions with the resource transfer terminal180. In this regard, the resource transfer instrument150may include one or more scanning devices embedded/built-in within the composition of the resource transfer instrument150capable of reading the embedded EPROM grid on the resource transfer instrument150. Such scanning devices may be configured to receive a unique pattern from the embedded EPROM grid associated with the resource transfer instrument150and transmit the unique pattern to the system130. In some embodiments, the resource transfer terminal150may include an embedded chip interface in addition to the embedded EPROM grid. In one aspect, the embedded chip interface may be configured to read the patterns programmed into the embedded EPROM grid and transmit the patterns to the resource transfer terminal180using either a contact-based or contactless (near-field) communication. The resource transfer terminal180may then be configured to transmit any pattern received from the resource transfer instrument150(via the embedded chip interface) to the system130for authentication purposes.

It will be understood that the embodiment of the system environment illustrated inFIG.1is exemplary and that other embodiments may vary. As another example, in some embodiments, the system130includes more, less, or different components. As another example, in some embodiments, some or all of the portions of the system environment100may be combined into a single portion. Likewise, in some embodiments, some or all of the portions of the system130may be separated into two or more distinct portions.

FIG.2illustrates an exemplary resource transfer instrument with Erasable Programmable Read-Only Memory (EPROM) grid pattern200, in accordance with an embodiment of the invention. As described herein, the resource transfer instrument150may be embedded with an integrated circuit that can be a secure microcontroller or equivalent intelligence powered by an onboard power source (such as a photovoltaic cell or solar cell) and having an internal memory or a memory chip. In one aspect, the resource transfer instrument150communicates with a resource transfer terminal with direct physical contact or with a remote contactless radio frequency (or equivalent short range communication) interface. With an embedded microcontroller, the resource transfer instrument150has the unique ability to store information, carry out its own onboard functions (e.g., encryption and mutual authentication) and/or interact intelligently with a resource transfer terminal.

As shown inFIG.2, the resource transfer instrument150includes an embedded programmable EPROM grid204having a number of selectable grids (finite points)206. It is to be understood thatFIG.2shows an exemplary resource transfer instrument150with9selectable grids but any number of programmable grids may be embedded in the resource transfer instrument. In addition to the EPROM grid204, the resource transfer terminal150includes an embedded chip interface202. In some embodiments, the embedded chip interface202may be an integrated circuit that capable of being used as a physical electronic authorization device to control access to a resource. Each time the resource transfer instrument150is used to execute a transfer of resources at a resource transfer terminal, the embedded chip interface202is accessed by the resource transfer terminal and provides an additional layer of security.

FIG.3illustrates a process flow for implementing an enhanced authentication framework using Erasable Programmable Read-Only Memory (EPROM) grid pattern recognition300, in accordance with an embodiment of the invention. As shown in block302, the process flow includes electronically receiving an indication of a resource transfer interaction initiated by a user using a resource transfer instrument at a resource transfer terminal, wherein the resource transfer instrument comprises an embedded EPROM grid. In some embodiments, the embedded EPROM grid may be configurable to form a unique pattern associated with the user. In one aspect, the embedded EPROM grid may be programmed in such a way that a specific portion of the grid, i.e., a collection of finite points on the EPROM grid is configured to actively store information while the rest of the grid remains passive. In doing so, the embedded EPROM grid may be configured to form a pattern comprising a portion of finite points that are programmed with information and a remaining portion of finite points that are remain passive. In another aspect, the embedded EPROM grid may be programmed in such a way that a specific portion of the grid, i.e., a collection of finite points on the EPROM grid, is configured to actively store a first information (e.g., 1s) while the remaining portion of the grid is configured to store a second information (e.g., 0). In yet another aspect, the embedded EPROM grid may be programmed in such a way that a first portion of the grid, i.e., a first collection of finite points on the EPROM grid, is configured to actively store a first information (e.g., 1s), a second portion of the grid is configured to actively store a second information (e.g., 0), and a remaining portion of the grid is configured to remain passive.

Next, as shown in block304, the process flow includes electronically retrieving, from the resource transfer terminal, the unique pattern from the embedded EPROM grid. As described herein, when the resource transfer instrument interacts with the resource transfer terminal the scanning devices associated with the resource transfer instrument may be capable of reading the embedded EPROM grid on the resource transfer instrument. By reading the embedded EPROM grid, the resource transfer instrument may be able to identify the unique pattern programmed on embedded EPROM grid. Once the unique pattern is identified, the system may be configured to retrieve the unique pattern from the resource transfer terminal.

Next, as shown in block306, the process flow includes determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user. In some embodiments, the pre-registered unique patterns are previously generated for the user and stored in a grid pattern repository. Each user may generate or be associated with a number of unique patterns that may be pre-registered.

In one aspect, the system may be configured generate the pre-registered unique patterns by allowing the user to select a combination of selectable grids (finite points) by digitally emulating the resource transfer instrument. In this regard, the system may be configured to generating a digital emulation of the embedded EPROM grid associated with the resource transfer instrument. The digital emulation of the embedded EPROM grid may include a number of grids that are capable of being selected by the user. Once generated, the system may be configured to transmit, via a computing device of the user, the digital emulation of the embedded EPROM grid. In this regard, the system may be configured to initiate a display of a user interface on the computing device of the user via a mobile application. In response, the system may be configured to electronically receive, via the computing device of the user, a user selection of one or more combinations of the one or more selectable grids from the digital emulation of the embedded EPROM grid. In response to receiving the user selection, the system may be configured to generate the one or more pre-registered unique patterns by programming the grids (finite points) selected by the user to form a pattern. In response to generating the pre-registered unique patterns, the system may be configured to store the one or more pre-registered unique patterns in a grid pattern repository.

In another aspect, the system may be configured to generate the pre-registered unique patterns by capturing the interaction of the user with the embedded EPROM grid on the resource transfer instrument via the computing device of the user. In this regard, the system may be configured to capture, using the computing device of the user, the user selection of the one or more combinations of the one or more selectable grids of the embedded EPROM grid. To achieve this, the computing device of the user and the resource transfer instrument may be communicably link in such a way that the computing device of the user is capable of receiving information from the resource transfer instrument. Each time the user selects a grid (finite point), the computing device of the user receives the user's selection either in real-time or near real-time. In response to capturing the interaction of the user with the embedded EPROM grid, the system may be configured to generate the one or more pre-registered unique patterns. In response to generating the pre-registered unique patterns, the system may be configured to store the one or more pre-registered unique patterns in a grid pattern repository.

In yet another aspect, the system may be configured to generate the pre-registered unique patterns automatically. In this regard, the system may be configured to electronically receive, via the computing device of the user, a request to generate the one or more pre-registered unique patterns. In response, the system may be configured to automatically generate the one or more pre-registered unique patterns in response to receiving the request. In response to generating the pre-registered unique patterns, the system may be configured to store the one or more pre-registered unique patterns in a grid pattern repository.

In some embodiments, the resource transfer instrument may be configured to store the unique pattern in the embedded chip interface. In addition to programming the pattern on the resource transfer instrument, the pattern may also be stored in the embedded chip interface. In this way, resource transfer terminals that are not equipped with scanning devices capable of scanning the embedded EPROM grid for the unique pattern are still able to retrieve the unique pattern from the resource transfer instrument via the embedded chip interface.

In some embodiments, in response to generating the pre-registered unique patterns, the system may be configured to program the pre-registered unique patterns on resource transfer instruments. In this regard, the system may be configured to electronically receive, from the computing device of the user, a user input linking the one or more pre-registered unique patterns with one or more resource transfer instruments associated with the user. In some response, the system may be configured to link the one or more pre-registered unique patterns with one or more resource transfer instruments associated with the user. In this regard, the system may be configured to program the embedded EPROM grids on each of the one or more resource transfer instruments to reflect the one or more pre-registered unique patterns.

In some embodiments, by generating multiple pre-registered unique patterns, the user may assign each pre-registered unique pattern a specific purpose or interaction limit. Accordingly, the system may be configured to electronically receive, from the computing device of the user, one or more interaction limits associated with the pre-registered pattern. For example, an interaction limit may include limiting the use of a pre-registered pattern to a specific type of resource transfer interaction, limiting the use of a pre-registered pattern to a specific geographic vicinity, allowing the pre-registered pattern to be used by a specific sub-user as authorized by the user, and/or the like. In response to receiving the interaction limits, the system may be configured to link each pre-registered unique pattern with one or more interaction limits. In this way, when the pre-registered unique pattern is programmed into the embedded EPROM grid on the resource transfer instrument, its use is limited by the interaction limit associated with the pre-registered unique pattern.

Next, as shown in block306, the process flow includes determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user. In this regard, the system may be configured to compare the unique pattern from the embedded EPROM grid with the one or more pre-registered unique patterns associated with the user. Based on the comparing, the system may be configured to determine a match between the unique pattern from the embedded EPROM grid and at least one of the one or more pre-registered unique patterns associated with the user.

Next, as shown in block308, the process flow includes authorizing an execution of the resource transfer interaction by the user based on at least determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user. In some embodiments, before authorizing the resource transfer interaction, the system may be configured to require from the user, authentication credentials in addition to determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user. Accordingly, the system may be configured to electronically receive one or more authentication credentials from the user in response to determining that the that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user. In response, the system may be configured to validate the one or more authentication credentials to verify an identity of the user based on at least receiving the one or more authentication credentials. In response, the system may be configured to authorize an execution of the resource transfer interaction by the user based on at least (i) validating the one or more authentication credentials, and (ii) determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user.

In some embodiments, the system may be configured to determine that the unique pattern from the embedded EPROM grid does not match the one or more pre-registered unique patterns associated with the user. In response, the system may be configured to deny the resource transfer interaction by the user based on at least determining that the unique pattern from the embedded EPROM grid does not match the one or more pre-registered unique patterns associated with the user. In response, the system may be configured to transmit a notification to the computing device of the user, wherein the notification comprises an indication that the resource transfer interaction initiated by the user is denied. In some embodiments, in addition to transmitting the notification to the computing device of the user, the system may be configured to initiate a notification to the user via one or more display devices associated with the resource transfer terminal.

In some embodiments, the system may be configured to implement a tiered pattern mapping on the resource transfer instrument. In one aspect, each tier may be established based an exposure level associated with the resource transfer interaction. Resource transfer interactions with a higher exposure level may be mapped to a higher tier while resource transfer interactions with a lower exposure level may be mapped to a lower tier. As part of the tiered pattern mapping, the resource transfer instrument may be programmed to store a unique pattern for each tier. When the user initiates a resource transfer interaction at a resource transfer terminal, the system may be configured to determine a tier associated with the resource transfer interaction. In response to determining the tier, the system may be configured to retrieve the unique pattern associated with the resource transfer instrument based on the determined tier.

In some embodiments, the system may be configured to elevate the tier of the resource transfer interaction based on a geographic vicinity. In one example, the system may be configured to determine that a geographic vicinity (or the specific resource transfer terminal) where the user has requested to execute the resource transfer interaction has previously been the target for misappropriate activity. In response, the system may be configured to classify the resource transfer interaction to a higher tier.

In one aspect, the system may be configured to determine the geographic vicinity of the resource transfer interaction after the user has initiated the resource transfer interaction. In such cases, the system may be configured to receive geographic information from the resource transfer terminal once the user has inserted the resource transfer instrument into the resource transfer terminal to initiate an execution of the resource transfer interaction. In response, the system may be configured to transmit a notification to the computing device of the user indicating that the resource transfer interaction is classified to a higher tier based on the geographic vicinity of the resource transfer terminal. This notification automatically triggers a communication between the computing device of the user and the resource transfer instrument. Now, when the resource transfer instrument is used to execute the resource transfer interaction, the unique pattern presented to the resource transfer terminal may be the pattern that is associated with the higher tier.

In another aspect, the system may be configured to determine the geographic vicinity of the resource transfer interaction before the user has initiated the resource transfer interaction. In this regard, when the user approaches a resource transfer terminal, the computing device of the user may determine the geographic vicinity of the user (using GPS coordinates) and determine that any resource transfer interactions executed in the geographic vicinity may need to be classified into an elevated tier. In determining the geographic vicinity, a communication between the computing device of the user and the resource transfer instrument is automatically triggered that indicates to the resource transfer instrument that when the resource transfer instrument is used to execute a resource transfer interaction with any resource transfer terminal in the geographic vicinity, it must use the unique pattern associated with an elevated tier.

In some embodiments, in response to receiving a unique pattern from an elevated tier, the system may be configured to initiate an authentication protocol that is specific to that tier before authorizing the execution of the resource transfer interaction. In one aspect, the authentication protocol specific to the elevated tier may require additional authentication credentials from the user in addition to the resource transfer instrument.