A computer-implemented method to identify users via encrypted information, comprising: transmitting encrypted identification information by an account management system to a merchant point of sale device registered with the account management system and transmitting a cryptographic key generated by the account management system to a user computing device associated with a user, wherein the user has established an account with the account management system; receiving, by the merchant point of sale device, at a time before receiving the cryptographic key from the user computing device, the encrypted identification information associated with the user based on location data associated with the user and a location associated with the merchant point of sale device, wherein the encrypted identification information associated with the user is transmitted to the merchant point of sale device based on a prediction that the user will enter the location associated with the merchant point of sale device in the future; at a time after receiving the encrypted identification information, receiving, by the merchant point of sale device and from the user computing device that has entered the location associated with the merchant point of sale device, the cryptographic key, the user computing device being associated with the user; decrypting, by the merchant point of sale device and using the cryptographic key, the encrypted identification information to access unencrypted identification information; verifying, by the merchant point of sale device and using the unencrypted identification information, an identity of the user; and processing, by the merchant point of sale device, a transaction or service request in response to verifying the identity of the user. transmitting encrypted identification information by an account management system to a merchant point of sale device registered with the account management system and transmitting a cryptographic key generated by the account management system to a user computing device associated with a user, wherein the user has established an account with the account management system; receiving, by the merchant point of sale device, at a time before receiving the cryptographic key from the user computing device, the encrypted identification information associated with the user based on location data associated with the user and a location associated with the merchant point of sale device, wherein the encrypted identification information associated with the user is transmitted to the merchant point of sale device based on a prediction that the user will enter the location associated with the merchant point of sale device in the future; at a time after receiving the encrypted identification information, receiving, by the merchant point of sale device and from the user computing device that has entered the location associated with the merchant point of sale device, the cryptographic key, the user computing device being associated with the user; decrypting, by the merchant point of sale device and using the cryptographic key, the encrypted identification information to access unencrypted identification information; verifying, by the merchant point of sale device and using the unencrypted identification information, an identity of the user; and processing, by the merchant point of sale device, a transaction or service request in response to verifying the identity of the user. <EOS>