A non-transitory computer-readable medium for a mobile communications device comprising a processor capable of providing a mobile wallet interface, a memory, and a memory controller, the computer-readable medium having computer executable instructions for causing the mobile communications device to perform steps comprising:
- establishing a near field communications (NFC) link between the mobile communications device and a provisioning terminal, the provisioning terminal being capable of receiving data from a provisioning server;
- receiving an applet and associated mobile wallet interface data from the provisioning server via the provisioning terminal using the memory controller based upon the NFC communication between the provisioning terminal and the mobile communications device;
- storing the applet and the associated mobile wallet interface data in the memory;
- and
- sending the mobile wallet interface data from the memory to the processor for the mobile wallet interface using the memory controller.