Payment application download to mobile phone and phone personalization

1. A method of configuring a user device as a mobile financial transaction instrument, comprising:

receiving, by the user device, a text message from a provider of a transaction account that is associated with a user of the user device, wherein the text message indicates that a resource file comprising a software module to be installed on the user device is ready for download at a Uniform Resource Locator (URL) indicated in the text message, wherein the received text message is responsive to a request to personalize the user device;

in response to accessing the URL, the user device receiving the resource file and installing the software module in a memory of the user device;

in response to transmitting information indicating the user device has accessed the software module, the user device receiving a personalized data package, wherein the personalized data package includes transaction account information associated with the user and the transaction account;

storing, by the user device, the personalized data package in the memory;

based on instructions in the resource file, the user device executing the personalized data package and after executing, deleting the personalized data package from the memory; and

transmitting, by the user device via radio frequency (RF), the transaction account information to a point of sale device (POS).

2. The method of claim 1 , wherein executing the personalized data package comprises copying the personalized data package to a second, secure memory element that is a secure card using a Java Card OpenPlatform (JCOP) operating system.

3. The method of claim 1 , wherein the software module is configured to cause the user device, based upon the personalized data package, to operate as the mobile financial transaction instrument.

4. The method of claim 1 , wherein the text message includes a description file comprising the URL.

5. The method of claim 1 , wherein the request to personalize the user device includes an authentication request to retrieve the resource file.

6. The method of claim 1 , wherein the text message includes information regarding downloading the software module to the user device.

7. The method of claim 1 , wherein the resource file is based on the personalized data package.

8. The method of claim 1 , wherein the resource file is a Java archive file.

9. The method of claim 1 , wherein the user device is a mobile phone.

10. A user device, comprising:

a processor;

a memory coupled to the processor; and

a second, secure memory coupled to the processor;

wherein the memory has stored thereon instructions executable to cause the user device to perform operations comprising:

receiving a text message from a provider of a transaction account that is associated with a user of the user device, wherein the text message indicates that a resource file comprising a software module to be installed in the memory of the user device is ready for download at a Uniform Resource Locator (URL) indicated in the text message, wherein the received text message is responsive to a request to personalize the user device;

in response to accessing the URL, receiving the resource file and installing the software module in the memory of the user device;

in response to transmitting information indicating the user device has accessed the software module, receiving a personalized data package, wherein the personalized data package includes transaction account information associated with the user and the transaction account;

storing the personalized data package in the memory;

based on instructions included in the resource file, executing the personalized data package and after executing, deleting the personalized data package from the memory; and

transmitting, via radio frequency (RF), the transaction account information to a point of sale device (POS).

11. The user device of claim 10 , wherein the operations further comprise accessing the personalized data package via the software module.

12. The user device of claim 10 , wherein the operations further comprise conducting a transaction via the transaction account.

13. The user device of claim 10 , wherein the user device is a mobile phone.

14. A non-transitory computer-readable medium having stored thereon instructions executable by a user device to cause the user device to perform operations comprising:

receiving a text message from a provider of a transaction account that is associated with a user of the user device, wherein the text message indicates that a resource file comprising a software module to be installed on the user device is ready for download at a Uniform Resource Locator (URL) indicated in the text message, wherein the received text message is responsive to a request to personalize the user device;

in response to accessing the URL, receiving the resource file and installing the software module in a memory of the user device;

in response to transmitting information indicating the user device has accessed the software module, receiving a personalized data package, wherein the personalized data package includes transaction account information associated with the user and the transaction account;

storing the personalized data package in the memory;

based on instructions included in the resource file, executing the personalized data package and after executing, deleting the personalized data package from the memory; and

transmitting, via radio frequency (RF), the transaction account information to a point of sale device (POS).

15. The non-transitory computer-readable medium of claim 14 , wherein the operations further comprise performing a transaction via the software module.

16. The non-transitory computer-readable medium of claim 14 , wherein the operations further comprise accessing the personalized data package via the software module.

17. The non-transitory computer-readable medium of claim 14 , wherein the operations further comprise receiving information indicating that the user device has been authenticated.