Providing payment credentials securely for telephone order transactions

A method comprising:

• receiving a purchase order via a telephone call from a customer;
• as part of the telephone call, receiving from the customer a credentials service customer identifier assigned to the customer, said receiving the credentials service customer identifier including receiving the credentials service customer identifier orally;
• transmitting a message to a credentials service that issued the customer identifier;
• receiving payment credentials from the credentials service, the received payment credentials including a payment token that is associated with a payment account that belongs to the customer;
• generating a payment account system authorization request message, the payment account system authorization request message including the payment token;
• and
• transmitting the payment account system authorization request message for routing to an issuer of the payment account.