Enables creating, displaying, and managing augmented reality (AR) messages linked to objects that display or contain identifiable information such as codes, including card products / prepaid card products, etc. Applies multi-factor recognition technology to process an object / card having a unique code. May utilize an application on a mobile device / computer, to capture an image of the object, recognize the signature of the object, convert the code into alphanumeric digits and generate a Unique Identification Token (UIT). The application can create a personalized AR message, e.g., text, 2D / 3D image, freehand drawing, animation, video, audio, avatar character, or any combination, optionally enhanced with pre-made templates. The completed message is stored in a remote database with the UIT. The recipient of the object / card uses the application and captures an image of the object or card image with code, triggering the message experience that may display account balance information and targeted advertising.