A method for over the air provisioning of a soft card on a device having wireless communications capabilities using a provisioning configuration server, the method comprising: (a) providing a soft card provisioning application which is configured with contact information for a single provisioning configuration server; (b) storing, at the single provisioning configuration server, issuer configuration data and challenge questions for a plurality of different card issuers; (c) establishing a connection between the provisioning configuration server and the soft card provisioning application on the device; (d) communicating with the provisioning configuration server to authenticate the device to be authorized to receive provisioning information; (e) receiving, at the provisioning configuration server from the soft card provisioning application on the device with wireless communications capabilities, a soft card request for provisioning a soft card on the device with wireless communications capabilities, the request including a card identifier, wherein the soft card includes a software implemented credit card, member card, loyalty card, or identification card, wherein the card identifier includes a personal account number; (f) identifying, at the provisioning configuration server and based on the card identifier, a card issuer from the plurality of different card issuers for the soft card request, wherein identifying the card issuer includes retrieving an issuer identification number from the PAN and performing a lookup in a database using the UN to identify an Internet protocol address of a provisioning issuer server associated with the card issuer, wherein the database includes entries matching IINs to IP addresses of provisioning issuer servers associated with the plurality of different card issuers; (g) presenting, from the provisioning configuration server, at least one of the challenge questions and network identification information for the card issuer to the device over an air interface, wherein the network identification information includes the IP address of the provisioning issuer server associated with the card issuer to allow the soft card provisioning application to establish secure communications with the provisioning issuer server and obtain soft card personalization data; and (h) sending, from the provisioning issuer server associated with the card issuer, the soft card personalization data to the soft card provisioning application for provisioning the soft card on the device in response to receiving at least the PAN and one response to the at least one of the challenge questions, wherein the provisioning issuer server is separate from the provisioning configuration server. (a) providing a soft card provisioning application which is configured with contact information for a single provisioning configuration server; (b) storing, at the single provisioning configuration server, issuer configuration data and challenge questions for a plurality of different card issuers; (c) establishing a connection between the provisioning configuration server and the soft card provisioning application on the device; (d) communicating with the provisioning configuration server to authenticate the device to be authorized to receive provisioning information; (e) receiving, at the provisioning configuration server from the soft card provisioning application on the device with wireless communications capabilities, a soft card request for provisioning a soft card on the device with wireless communications capabilities, the request including a card identifier, wherein the soft card includes a software implemented credit card, member card, loyalty card, or identification card, wherein the card identifier includes a personal account number; (f) identifying, at the provisioning configuration server and based on the card identifier, a card issuer from the plurality of different card issuers for the soft card request, wherein identifying the card issuer includes retrieving an issuer identification number from the PAN and performing a lookup in a database using the UN to identify an Internet protocol address of a provisioning issuer server associated with the card issuer, wherein the database includes entries matching IINs to IP addresses of provisioning issuer servers associated with the plurality of different card issuers; (g) presenting, from the provisioning configuration server, at least one of the challenge questions and network identification information for the card issuer to the device over an air interface, wherein the network identification information includes the IP address of the provisioning issuer server associated with the card issuer to allow the soft card provisioning application to establish secure communications with the provisioning issuer server and obtain soft card personalization data; and (h) sending, from the provisioning issuer server associated with the card issuer, the soft card personalization data to the soft card provisioning application for provisioning the soft card on the device in response to receiving at least the PAN and one response to the at least one of the challenge questions, wherein the provisioning issuer server is separate from the provisioning configuration server.