Payment application download to mobile phone and phone personalization
원문보기
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
H04W-004/00
G06Q-020/32
G06Q-020/34
G07F-007/10
출원번호
US-0090603
(2016-04-04)
등록번호
US-9866989
(2018-01-09)
발명자
/ 주소
Beenau, Blayn W.
Warren, Jessica U.
Peart, Lee J.
Saunders, Peter D.
출원인 / 주소
III Holdings 1, LLC
대리인 / 주소
Meyertons, Hood, Kivlin, Kowert & Goetzel, P.C.
인용정보
피인용 횟수 :
0인용 특허 :
46
초록▼
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 pho
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.
대표청구항▼
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 compris
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; andtransmitting, 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; anda 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; andtransmitting, 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; andtransmitting, 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.
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