| CPC G06Q 20/4016 (2013.01) | 20 Claims |
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1. A computer-implemented method, comprising:
receiving, from a first computing device of an account holder, a request for an instrument to complete an interaction;
storing information associated with the request within a data storage entry for the instrument, wherein the stored information includes instrument-specific information provided as part of the request, the instrument-specific information including an amount and a recipient associated with the interaction;
encrypting the instrument-specific information;
generating a bar code to be printed on the instrument, the bar code generated to include a uniform resource locator (URL) to a web application and the encrypted instrument-specific information;
providing instructions that include the bar code to a printing system to cause the printing system to print the instrument with the bar code, wherein the instrument printed with the bar code is initially invalid;
providing instructions to one or more of the first computing device of the account holder or the printing system to cause display of a prompt on a display of one or more of the first computing device or the printing system, respectively, the displayed prompt instructing the account holder to facilitate a reading, by the printing system, of the bar code on the instrument printed by the printing system to validate the instrument;
in response to receiving an indication of the reading of the bar code by the printing system, changing a status of the instrument from invalid to valid to validate the instrument, wherein the valid status is stored in the data storage entry for the instrument, and subsequent to the instrument being printed with the bar code and validated, a scanning device associated with a second computing device of one of a recipient or an entity associated with the recipient of the instrument reads the bar code, including the encrypted instrument-specific information included in the bar code, causing the web application to be accessed by the second computing device via the URL; and
in response to receiving, from the web application, an indication of the access to the web application and the encrypted instrument-specific information:
decrypting the encrypted instrument-specific information;
identifying the data storage entry for the instrument using the instrument-specific information;
determining a legitimacy of the interaction by evaluating a plurality of interaction legitimacy factors based, at least in part, on data stored in the data storage entry for the instrument, wherein at least a first subset of the plurality of interaction legitimacy factors is associated with an identity authenticity of an individual presenting the instrument to the one of the recipient or the entity associated with the recipient, and at least a second subset of the plurality of interaction legitimacy factors is associated with a validity of the instrument; and
providing an indication of the determined legitimacy of the interaction for display on a user interface of the web application.
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