SWITCHING FUNCTIONS FOR MOBILE PAYMENTS SYSTEM

A method includes receiving an information translation request, where the request is for translation of an account holder's mobile telephone number into the account holder's payment card account number. The request is related to a purchase transaction. A database is accessed to identify the account holder's service provider and a transaction acceptance request is transmitted to the service provider. The service provider provides an indication that the account holder has accepted the transaction, and the account holder's mobile telephone number is then translated into the payment card account number, which is then transmitted in response to the information translation request.