Abstract: Methods and systems are provided for secure electronic payment for merchandise at a point of sale. The secure verification of a personal identification number (PIN) via a mobile payment system is facilitated. A memory stores account information for a plurality of users, the account information includes a personal identification number (PIN) for at least some of the users. A processor receives a communication including an indication of a desire of a user to purchase an item from a merchant. The processor accesses an account of the user and provides a random keypad to the merchant. The user uses the random keypad to enter the PIN. The processor receives touch screen information from a mobile device of the user and makes a reconstructed PIN from the random keypad and the touch screen information. The processor authorizes the purchase if the reconstructed PIN is the PIN of the user.