1. A computer-implemented method, comprising: providing a computing apparatus including: a transaction handler configured to generate transaction data from processing payment transactions for at least one transaction terminal at a retail location, a data warehouse coupled with the transaction handler, the data warehouse configured to store the transaction data, a media controller coupled with the data warehouse, the media controller configured to select and send content to a point of interaction associated with the retail location, and a communication portal to receive user data from a user tracker, the user tracker configured to process images from at least one first digital camera and generate the user data, the at least one first digital camera configured to obtain image data, and the at least one first digital camera attached to the point of interaction; storing, by the data warehouse, the transaction data; receiving, by the communication portal, from the user tracker, first images of customers from the at least one first digital camera; identifying, by the computing apparatus, a characteristic of a plurality of customers based on the first images of the customers; receiving, by the communication portal, from at least one second digital camera, second images of customers, including a first customer using a first computing device, who make payment transactions at the retail location, the at least one second digital camera attached to a transaction terminal at the retail location; identifying, by the computing apparatus, a subset of customers from the plurality of customers who make payment transactions at the retail location and who have the identified characteristic, the identifying comprising correlating the first images and the second images to identify the subset of customers based on facial recognition, wherein customers who do not make a payment transaction at the retail location within a predetermined period of time are excluded from the subset of customers; generating, by the computing apparatus, an aggregated spending profile for the subset of customers based on transactions of the subset of customers, the generating based on the transaction data stored in the data warehouse, and further based on the user data received from the user tracker; modifying, by the media controller, content for sending to the point of interaction as controlled by the aggregated spending profile of the subset of customers; sending, by the communication portal, the modified content to the point of interaction to cause display of the modified content on the point of interaction; generating, by the media controller, an electronic file; transmitting, by the communication portal, a communication to the first computing device of the first customer, the communication to cause display of the electronic file in a user interface of the first computing device, the communication sent by a first communications network; receiving, by the transaction handler, an authorization request from a first transaction terminal of the at least one transaction terminal for a transaction made by the first computing device using the electronic file, the authorization request sent using a second communications network that is different from the first communications network; and sending, by the transaction handler, a communication to the first transaction terminal, the communication to cause approval of the transaction with the first computing device.