Verifying an identity of a first user over a network involves using a first computing device to obtain, from a near-field communication (NFC) device held by an article, an access request to a network-based service, where the access request is obtained by confirming biometric information the first user; and transmit the access request for the first computing device to receive access to the network-based service. Using a second computing device to obtain information from the article holding the NFC device; transmit a request for the second computing device to access the network-based service that includes the obtained information and a location of the second computing device; and receiving confirmation that the second computing device has been granted access to the network-based service upon confirming a location match is present between the first and second computing devices and confirming the first computing device has been granted access to the network-based service.