Abstract: A user makes a payment at a POS by entering the user's phone number (either through a keypad or via a card swipe) and PIN into a POS device (such as through a keypad). That information is communicated to a payment provider, who can then access the user's account, determine whether to approve or deny the payment, and notify the merchant of the decision.

Abstract: The present disclosure involves a method comprising: determining a location of a user inside a facility; accessing an information map of the facility based on at least one of: electronic scans of items in the facility made by the user and a planogram; and offering a service based on the information map and the location of the user. The present disclosure also involves an electronic device comprising: an interface for receiving an input from a user and communicating an output to the user; a transceiver for electronically communicating with external devices; a computer processor for executing instructions; and a memory storage for storing the instructions, the memory storage further comprising a program module for: constructing a map of a facility in response to purchases made by the user; and offering a service in response to a location of the user and a shopping history of the user.