Systems and methods for resource authentication and verification

A method for authenticating and verifying a suspect financial instrument, the method comprising:

• receiving, using an image acquisition and processing subsystem, a first image and a second image, wherein the first image comprises an image of a suspect financial instrument and the second image comprises an image of a reference financial instrument;
• automatically aligning, using the image acquisition and processing subsystem, the first image and the second image to facilitate comparative analysis;
• overlaying, using an image analysis subsystem, the first image onto the second image;
• receiving, using the image analysis subsystem, a plurality of user inputs to adjust image settings associated with the first image and the second image in a predefined pattern to compare the first image and the second image;
• analyzing, using an artificial intelligent (AI) model associated with the image analysis subsystem, the first image based on the comparison to identify discrepancies between the first image and the second image;
• determining, using the image analysis subsystem, an exposure score based on the identified discrepancies;
• determining, using the image analysis subsystem, whether the exposure score is greater than a misrepresentation detection threshold to determine whether the suspect financial instrument is inauthentic or legitimate;
• and
• authorizing, using the image analysis subsystem, processing of the suspect financial instrument in an instance in which the exposure score is greater than the misrepresentation detection threshold.

A computer program product for authenticating and verifying a suspect financial instrument, the computer program product comprising a non-transitory computer-readable medium comprising code, that when executed, is configured to cause a processor to:

• receive a first image and a second image, wherein the first image comprises an image of a suspect financial instrument and the second image comprises an image of a reference financial instrument;
• and
• automatically align the first image and the second image to facilitate comparative analysis;
• overlay the first image onto the second image;
• receive a plurality of user inputs to adjust image settings associated with the first image and the second image in a predefined pattern to compare the first image and the second image;
• analyze, using an artificial intelligent (AI) model, the first image based on the comparison to identify discrepancies between the first image and the second image;
• determine an exposure score based on the identified discrepancies;
• determine whether the exposure score is greater than a misrepresentation detection threshold to determine whether the suspect financial instrument is inauthentic or legitimate;
• and
• authorize processing of the suspect financial instrument in an instance in which the exposure score is greater than the misrepresentation detection threshold.