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:

receive, from a computing device of a user, a request to generate one or more grid patterns for a resource transfer instrument associated with the user, wherein the resource transfer instrument comprises an embedded EPROM grid embedded thereon, wherein the embedded EPROM grid comprises a plurality of selectable grid elements, wherein the plurality of selectable grid elements comprises active grid elements and passive grid elements;

generate a digital emulation of the embedded EPROM grid associated with the resource transfer instrument in response to receiving the request, wherein the digital emulation of the embedded EPROM grid comprises one or more selectable grids;

display the one or more selectable grids on the computing device of the user for user selection;

receive, from the computing device of the user, the user selection of one or more combinations of the one or more selectable grids;

generate the one or more grid patterns based on each of the one or more combinations;

program the resource transfer instrument to store the one or more grid patterns in the embedded EPROM grid wherein a first portion of the active grid elements are configured to store a first information associated with each grid pattern and a second portion of the active grid elements are configured to store a second information associated with each grid pattern, wherein the first information comprises 1's and the second information comprises 0's, wherein each grid pattern is programmed as a combination of the first portion of the active grid elements, the second portion of the active grid elements, and the passive grid elements;

store the one or more grid patterns in a grid pattern repository;

electronically receive, from a resource transfer terminal, an indication of a resource transfer interaction initiated by the user using the resource transfer instrument, wherein the resource transfer interaction is associated with an exposure level, wherein the exposure level represents a measure of exposure or sensitivity of the resource transfer interaction, categorizing it into different tiers, each having a unique security pattern for authentication;

capture, via the resource transfer terminal, the one more grid patterns from the EPROM grid of the resource transfer instrument;

determine that at least one grid pattern matches a grid pattern associated with the exposure level of the resource transfer interaction; and

authorize an execution of the resource transfer interaction by the user based on at least determining that the at least one grid pattern matches the grid pattern associated with the exposure level of the resource transfer interaction.