IP Library › Granted Patent US 12664549
Granted Patent B2
US 12664549 · App. 17/894,769 · Granted Jun 23, 2026

Hybrid transaction operations

Inventors: Stephen Gary Hess (Palm Springs, CA); Nancy Wells (Kenosha, WI); Yadhira Haydee Arroyo (Chicago, IL)
Assignee: Truist Bank
G06Q20/40145G06F3/017G06Q20/108G06Q20/3278G06Q20/3825G06Q20/389G06Q20/40155
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Quick Facts
Patent No.
US 12664549
App. No.
17/894,769
Granted
Jun 23, 2026
Kind
B2
Abstract

Techniques for hybrid banking can be provided for a user. For example, a system described herein can include a processor and a memory that includes instructions executable by the processor to perform operations. The operations can include receiving a request to perform a hybrid transaction from a user through at least one portable device associated with the user. The operations can also include initiating performance of the hybrid transaction based on the request and accessing information associated with the user and the hybrid transaction. The operations can further include confirming an identity of the user based on the request received from the user through the at least one portable device and the information associated with the user and the hybrid transaction. Additionally, the operations can include completing the hybrid transaction.

Claims (53)

1 . A system comprising:

a processor; and

a memory that includes instructions executable by the 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.

2 . The system of claim 1 , wherein the at least one portable device comprises an NFC token, wearable technology, a smart phone, or a tablet.

3 . The system of claim 2 , wherein the operations further comprise:

sending a secondary request to the at least one portable device requesting that the user to authorize the hybrid transaction.

4 . The system of claim 1 , wherein the operation of determining the identity of the user further comprises confirming the identity through a voice signature of a voice command received by the at least one portable device or through an e-signature received by the at least one portable device.

5 . The system of claim 1 , wherein the request to perform the hybrid transaction comprises a gesture from the user detected by the at least one portable device.

6 . The system of claim 5 , wherein the gesture comprises at least one of: a voice command, a passcode, a facial expression, and a motion of an extremity.

7 . 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.

8 . The computer-implemented method of claim 7 , wherein the at least one portable device comprises an NFC token, wearable technology, a smart phone, or a tablet.

9 . The computer-implemented method of claim 7 , further comprising:

sending a secondary request to the at least one portable device requesting that the user to authorize the hybrid transaction.

10 . The computer-implemented method of claim 7 , wherein determining the identity of the user further comprises confirming the identity through a voice signature of a voice command received by the at least one portable device or through an e-signature received by the at least one portable device.

11 . The computer-implemented method of claim 7 , wherein the request to perform the hybrid transaction comprises a gesture from the user detected by the at least one portable device.

12 . The computer-implemented method of claim 11 , where the gesture comprises at least one of: a voice command, a passcode, a facial expression, and a motion of an extremity.

13 . 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.

14 . The non-transitory computer-readable medium of claim 13 , wherein the at least one portable device comprises an NFC token, wearable technology, a smart phone, or a tablet.

15 . The non-transitory computer-readable medium of claim 13 , wherein the operations further comprise:

sending a secondary request to the at least one portable device requesting that the user to authorize the hybrid transaction.

16 . The non-transitory computer-readable medium of claim 13 , wherein the operation of determining the identity of the user further comprises confirming the identity through a voice signature of a voice command received by the at least one portable device or through an e-signature received by the at least one portable device.

17 . The non-transitory computer-readable medium of claim 13 , wherein the request to perform the hybrid transaction comprises a gesture from the user detected by the at least one portable device.

18 . The non-transitory computer-readable medium of claim 17 , where the gesture comprises at least one of: a voice command, a passcode, a facial expression, and a motion of an extremity.