Abstract: Embodiments of the present invention provide a system and method for an access point providing client to point-of-sale communication over a network, comprising: receiving credentials from the point-of-sale; sending at least one beacon message; receiving a probe request from a client; sending a probe response to the client; authenticating a connection with the client; exchanging capabilities with the client; performing a security handshake with the client; assigning at least one dynamic IP address to the client; and establishing an https session between the client and the point-of-sale over the network.

Abstract: A method and system for processing a payment authorization request associated with a payment card is provided. The method comprises determining a cardholder's context based on transmissions received from a user device associated with a cardholder using the payment card; determining a transaction context based on analysis of the payment authorization request; determining at least one transaction authorization preference associated with the payment card; performing a transaction authorization process to generate a transaction authorization response based on the at least one transaction authorization preference wherein information in the transaction context is used as a hint to selectively guide application of the transaction authorization preference.