Methods, systems and computer program products for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities

A method for over the air (OTA) provisioning of a soft card on a device having wireless communications capabilities using a provisioning configuration server, the method comprising:

• at a provisioning configuration server:
• (a) storing issuer configuration data and challenge questions for a plurality of different card issuers;
• (b) receiving a soft card request for provisioning a soft card on a device with wireless communications capabilities, the request including a card identifier;
• (c) identifying, based on the card identifier, a card issuer for the soft card request;
• and
• (d) presenting at least one of the challenge questions and network identification for the card issuer to the device over the air interface.

A system for over the air (OTA) provisioning of a soft card on a device with wireless communications capabilities, the system comprising:

• (a) a soft card provisioning application for executing on a device with wireless communications capabilities, for obtaining a card number from a user, and for communicating the card number over an air interface;
• (b) a provisioning configuration server for receiving the card number from the soft card provisioning application, for identifying a card issuer corresponding to the card number, and for communicating card issuer network identification information and at least one challenge to the soft card provisioning application over the air interface;
• and
• (c) a provisioning issuer server for receiving a connection from the soft card provisioning application, for receiving at least one response to the at least one challenge, and for sending personalization data to the soft card provisioning application for provisioning the soft card.

A computer program product comprising computer executable instructions embodied in a computer readable medium for performing steps comprising:

• (a) instantiating a soft card provisioning application on a device with wireless communications capabilities;
• (b) obtaining a card number for a soft card desired to be provisioned on the device;
• (c) communicating the card number to a provisioning configuration server over an air interface;
• (d) receiving, over the air interface, at least one card-issuer-specific challenge and a provisioning issuer server network address from the provisioning configuration server;
• (e) presenting the at least one challenge to a user of the device and receiving at least one response to the at least one challenge;
• (f) connecting to a provisioning issuer server corresponding to the network address and communicating the at least one challenge response to the provisioning issuer server;
• and
• (g) receiving soft card personalization data from the provisioning issuer server and provisioning the soft card for the use on the device with wireless communications capabilities based on the personalization data.

A computer program product comprising computer executable instructions embodied in a computer readable medium for performing steps comprising:

• (a) storing identification data and challenge information for a plurality of different card issuers;
• (b) receiving a soft card request for provisioning a soft card on a device with wireless communications capabilities, the request including a card identifier;
• (c) identifying, based on the card identifier, a card issuer for the soft card request;
• and
• (d) presenting at least one challenge and network identification for the card issuer to the network communications device over the air interface.