Abstract: A method for providing a user with merchant discount offers comprising obtaining a profile from the user; storing discount offers received from one or more merchants as data in a merchant database; comparing the profile of the user with the data in the merchant database to identify matches of discounts offered by the merchants that likely may be of interest to the user based on the user profile; creating a personalized shopping guide for the user which lists the matches; displaying the personalized shopping guide to the user; enabling the user to select one or more discount offers of interest from the personalized shopping guide; storing the selected discount offers of interest in a selection database accessible to the user; and enabling a merchant to identify the user and to gain access to the selection database at the point of sale. The merchant is preferably a mall based store.