Patent ID: 8620299

Claim:
A method for electronically delivering a prepaid card to a mobile device, the method comprising: receiving, at a merchant server, purchase information related to the purchase of an electronic prepaid card, wherein the purchase information includes recipient information associated with a near field communications (NFC) enabled mobile device configured to be provisioned with the electronic prepaid card; receiving, at an over the air (OTA) provisioning server and from the merchant server, electronic prepaid card information derived from the purchase information including the recipient information; establishing a communications link between the OTA provisioning server and the NFC enabled mobile device associated with the recipient information; and provisioning, by the OTA provisioning server, the electronic prepaid card information on the NFC enabled mobile device over the communications link via OTA communications, wherein the electronic prepaid card information is transferable from the NFC enabled mobile device to a wireless device reader via near field communications, wherein provisioning the electronic prepaid card information on the NFC enabled mobile device includes delivering, from the OTA provisioning server to the NFC enabled mobile device via OTA communications, personalization data that is used to generate a softcard prepaid card in the NFC enabled mobile device.