Application sessions are matched to user network usage or buying policies based upon a scoring system which reflects a user value to each policy for different applications. Several user policies are stored, each containing a list of matching criteria. Each criterion has a score for each element. The content of an application session description is used to compare with each user policy, and a policy score is awarded to each criterion if matched, or else, no score is awarded. The user policy which scores the highest policy score (which may be adjusted to be expressed as a percentage) is then chosen as the policy to use for the application session.