Abstract: An AR/VR system is provided for facilitating transactions. A computer memory stores at least one browser for accessing and downloading at least one downloadable mobile application, wherein the mobile application is downloadable over the Internet. A computer processor executes the instructions stored in memory and accesses the stored mobile application to operate in conjunction with an AR/VR device to perform multiple steps. The steps include capturing an image of an identifying object and authenticating an authorized system user based on the captured image. The steps additionally include receiving selection of an action from the authorized user, providing a virtual environment or overlays for a real environment based on the selected action, and executing user instructions within the virtual environment or real environment with overlays in accordance with the selected action.