According to some embodiments, an over-the-air (“OTA”) provision services receives a request to provision a temporary payment account to a customer's mobile device. The request includes customer data and a temporary primary account number (“PAN”). A process includes mapping the temporary PAN to a mobile PAN, storing the temporary PAN in a mapping database, generating a software package comprising a payment application and the mobile PAN, and transmitting the software package OTA to the customer's mobile device. The software package personalizes the customer's mobile device with the mobile PAN enabling use of that mobile device to utilize the temporary PAN to complete payment transactions shortly after the processor receives the request.