Systems and methods to facilitate commercial transactions conducted at geographically remote locations is disclosed. A wireless point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer.