Abstract: Systems and methods are provided for mobile payments. A financial institution may offer an electronic prepaid card of a merchant for sale to holders of Demand Deposit Accounts (DDA) and/or Line of Credit Account and/or Loan Account. The card may be provided in electronic form that may be scanned off the account holder's mobile device or by the device. When the account holder purchases the prepaid card, the financial institution may perform a real-time check whether the account holder has sufficient funds. If funds are sufficient, a transfer may be performed from the account holder's account to a holding account of another party at the same financial institution via ON-US transfer. The time duration between prepaid card purchase and its redemption can be so short that the purchaser does not feel the prepay process behind the scene.

Abstract: A system is provided for exchanging communications between a mobile device and a network site. The system includes a the conversion engine that coupled to network site in response to a request signaled from the mobile device. The mobile device signals the request using a first language. The network site processes the request in a second language. The conversion engine converts communications from the first language to the second language to enable communications between the network site and the mobile device.