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US 9,866,989 B2Granted
Payment application download to mobile phone and phone personalization
AssigneeIII Holdings 1, LLC
InventorsBlayn W. Beenau, Jessica U. Warren, Lee J. Peart, Peter D. Saunders
Life of this patent
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Abstract
A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host server in order to achieve successful download of user information. With the method and system, a mobile phone can be personalized for various purposes, such as for conducting financial transactions.
Claims17
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).
4 more elements
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).
9 more elements
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).
4 more elements
Dependencies are inferred from the claim text.