A computer-implemented method to identify users, comprising: retrieving, by a point of sale computing device, one or more stored image templates associated with customers currently located at or near a merchant system location, wherein the one or more stored image templates include an image template associated with a current customer at a physical location for the point of sale computing device, wherein the one or more retrieved stored image templates correspond to all current customers with an associated user computing device located within a network distance of a merchant beacon device and which transmits an account identifier of a user and a merchant beacon identifier to a payment processing system; determining (280, 1120), by the point of sale computing device, whether the one or more stored image templates meet a predefined threshold number of templates; if the one or more stored image templates do not meet the predefined threshold number of templates, requesting (280, 1130), by the point of sale computing device, and from the payment processing system, one or more additional image templates similar to one or more of the retrieved stored image templates; receiving (280, 1150), by the point of sale computing device and from the payment processing system, the requested one or more additional image templates, the one or more additional image templates selected, by the payment processing system and from one or more images in an image database, as similar image templates to one or more of the retrieved stored image templates based on a comparison of one or more features described by one or more of the retrieved stored image templates and corresponding features of the one or more images in the image database; displaying (280, 1160), by the point of sale computing device and to an operator of the point of sale computing device, one or more of the retrieved stored image templates and one or more of the additional image templates; receiving (280, 1190), by the point of sale computing device and from the operator of the point of sale computing device, an input of a selection of a particular one of the displayed image templates, the selection indicating that the operator has determined a match between the current customer and the particular one of the displayed image templates; and transmitting (280, 1190), by the point of sale computing device and to the payment processing system, an indication of the selection of the particular one of the displayed image templates. retrieving, by a point of sale computing device, one or more stored image templates associated with customers currently located at or near a merchant system location, wherein the one or more stored image templates include an image template associated with a current customer at a physical location for the point of sale computing device, wherein the one or more retrieved stored image templates correspond to all current customers with an associated user computing device located within a network distance of a merchant beacon device and which transmits an account identifier of a user and a merchant beacon identifier to a payment processing system; determining (280, 1120), by the point of sale computing device, whether the one or more stored image templates meet a predefined threshold number of templates; if the one or more stored image templates do not meet the predefined threshold number of templates, requesting (280, 1130), by the point of sale computing device, and from the payment processing system, one or more additional image templates similar to one or more of the retrieved stored image templates; receiving (280, 1150), by the point of sale computing device and from the payment processing system, the requested one or more additional image templates, the one or more additional image templates selected, by the payment processing system and from one or more images in an image database, as similar image templates to one or more of the retrieved stored image templates based on a comparison of one or more features described by one or more of the retrieved stored image templates and corresponding features of the one or more images in the image database; displaying (280, 1160), by the point of sale computing device and to an operator of the point of sale computing device, one or more of the retrieved stored image templates and one or more of the additional image templates; receiving (280, 1190), by the point of sale computing device and from the operator of the point of sale computing device, an input of a selection of a particular one of the displayed image templates, the selection indicating that the operator has determined a match between the current customer and the particular one of the displayed image templates; and transmitting (280, 1190), by the point of sale computing device and to the payment processing system, an indication of the selection of the particular one of the displayed image templates.