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PAYMENT APPLICATION DOWNLOAD TO MOBILE PHONE AND PHONE PERSONALIZATION

  • US 20140080470A1
  • Filed: 11/21/2013
  • Published: 03/20/2014
  • Est. Priority Date: 04/27/2007
  • Status: Active Grant
First Claim
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1. A method comprising:

  • providing, by a computer-based system for personalizing a device and in response to a user contacting a web-hosting environment using a URL, a resource file to the device over a wireless network,wherein, in response to receiving the resource file, the device installs the software module in a first internal memory of the device, wherein the device comprises the first internal memory, a second internal memory and a secure memory element; and

    in response to the software module being executed by the device, providing, by the computer-based system, a personalization file to the device over the wireless network,wherein the personalization file is stored in the second internal memory of the device,wherein, based upon instructions included in the resource file, the personalization file is copied to the secure memory element of the device and deleted from the second internal memory, andwherein the software module accesses the personalization file in the secure memory element in order to enable the device to operate as a financial transaction instrument.

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