In a particular embodiment, the disclosure is directed to a system including a customer authentication and payment server, a merchant data server, a merchant network, and a merchant station. The merchant data server is coupled to a public data network and the public data network is coupled to the customer authentication and payment server. The merchant network is coupled to the merchant data server and the merchant station. The merchant station includes a communication interface to provide for wireless communication with customers located within a wireless coverage area using an ad hoc connection.