Some embodiments are directed to systems and methods for processing a check that is issued to an account holder by a bank. The method includes scanning, by a client device, at least one pre-defined machine-readable cypher that is present on the check, the check further defines at least one pattern; sending, by the client device, a service request including the scanned pre-defined machine-readable cypher to a server device; receiving, at the client device, a code that is tailored to the check based on an authentication of the service request from the server device, the code is machine-readable and includes at alphabet(s), a numeral(s), and/or a symbol(s); and changing the appearance, by the account holder, of the pattern on the check based on the received code.