Hybrid transaction operations

A computer-implemented method, comprising:

• receiving a request to perform a first step of a hybrid transaction through at least one portable device associated with a user, the at least one portable device communicatively coupled with a wearable device worn by the user, the wearable device comprising a near-field communication (NFC) token that is separate from and communicatively coupled with the at least one portable device, the request including (i) information associated with a hand gesture and (ii) a voice command comprising details about the hybrid transaction, wherein the request is received from the user at a first time, wherein the hand gesture comprises (i) a movement of an extremity of the user capturable by the portable device and (ii) an intent specific to the movement of the extremity;
• detecting a voice signature of the user and an indication of a second time from the voice command;
• accessing information associated with the user and the hybrid transaction, wherein accessing the information associated with the user and the hybrid transaction comprises accessing the information associated with the user and the hybrid transaction based on the intent of the hand gesture;
• determining an identity of the user based on the information associated with the hand gesture and the information associated with the user and the hybrid transaction;
• detecting, via the NFC token, the user at a bank lobby at the second time that is after the first time;
• authenticating the identity of the user based on detecting the user at the bank lobby at the second time, wherein authenticating the identity of the user comprises:
• determining that the NFC token and the at least one portable device are associated with the user based at least in part on detecting the NFC token or the at least one portable device at the bank lobby;
• receiving a second voice signature at the bank lobby;
• and
• determining that the second voice signature matches the voice signature;
• and
• automatically initiating, in response to authenticating the identity of the user, a second step of a multi-step process to complete the hybrid transaction.

A non-transitory computer-readable medium comprising instructions that are executable by a processor for causing the processor to perform operations comprising:

• receiving a request to perform a first step of a hybrid transaction through at least one portable device associated with a user, the at least one portable device communicatively coupled with a wearable device worn by the user, the wearable device comprising a near-field communication (NFC) token that is separate from and communicatively coupled with the at least one portable device, the request including (i) information associated with a hand gesture and (ii) a voice command comprising details about the hybrid transaction, wherein the request is received from the user at a first time, wherein the hand gesture comprises (i) a movement of an extremity of the user capturable by the portable device and (ii) an intent specific to the movement of the extremity;
• detecting a voice signature of the user and an indication of a second time from the voice command;
• accessing information associated with the user and the hybrid transaction, wherein the operation of accessing the information associated with the user and the hybrid transaction comprises accessing the information associated with the user and the hybrid transaction based on the intent of the hand gesture;
• determining an identity of the user based on the information associated with the hand gesture and the information associated with the user and the hybrid transaction;
• detecting, via the NFC token, the user at a bank lobby at the second time that is after the first time;
• authenticating the identity of the user based on detecting the user at the bank lobby at the second time, wherein authenticating the identity of the user comprises:
• determining that the NFC token and the at least one portable device are associated with the user based at least in part on detecting the NFC token or the at least one portable device at the bank lobby;
• receiving a second voice signature at the bank lobby;
• and
• determining that the second voice signature matches the voice signature;
• and
• automatically initiating, in response to authenticating the identity of the user, a second step of a multi-step process to complete the hybrid transaction.