Abstract: Systems and methods are described that permit a smart card to be personalized in a secure manner using asymmetric cryptography. Systems and methods are described whereby personalization instructions can be directed to a selected application in the device, whereby the personalized instructions can be encrypted using a plurality of keys including device-related keys, provider-specific keys, and transfer keys. In certain embodiments, the personalization instructions can be communicated with identifying information used to identify the personalization instructions by provider, device and target application on the device. In certain embodiments, the personalization instructions can be executed on the device, whereby the personalization instruction configures data related to a targeted application. In certain embodiments, the personalized device comprises a processor, and non-volatile storage configured to maintain the plurality of keys, applications and personalized application-related data.