Payment application download to mobile phone and phone personalization
First Claim
Patent Images
1. A method of personalizing a device over a wireless network, the method comprising:
- receiving, by a computer-based system for personalizing the device, a request to personalize the device with user-specific information;
preparing, by the computer-based system and in response to the request to personalize the device, a unique personalization file for use with the device;
providing, by the computer-based system, a description file to the device over the wireless network, the description file comprising a URL pointing to a web-hosting environment containing a resource file comprising a software module;
providing, by the computer-based system and in response to a user contacting the web-hosting environment using the URL, the resource file to the device over the 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, the unique personalization file to the device over the wireless network, wherein the unique 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, and wherein 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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Accused Products
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.
87 Citations
21 Claims
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1. A method of personalizing a device over a wireless network, the method comprising:
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receiving, by a computer-based system for personalizing the device, a request to personalize the device with user-specific information; preparing, by the computer-based system and in response to the request to personalize the device, a unique personalization file for use with the device; providing, by the computer-based system, a description file to the device over the wireless network, the description file comprising a URL pointing to a web-hosting environment containing a resource file comprising a software module; providing, by the computer-based system and in response to a user contacting the web-hosting environment using the URL, the resource file to the device over the 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, the unique personalization file to the device over the wireless network, wherein the unique 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, and wherein 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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system comprising:
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a web-hosting environment containing a software module; a memory; the memory communicating with a processor for personalizing a device over a wireless network; and the processor, when executing the software module, performs operations comprising; receiving, by the processor, a request to personalize the device with user-specific information; preparing, by the processor and in response to the request to personalize the device, a unique personalization the for use with the device; providing, by the processor, a description file to the device over the wireless network, the description tile comprising a URL, pointing to a web-hosting environment containing a resource file comprising a software module; providing, by the processor and in response to a user contacting the web-hosting environment using the URL, the resource file to the device over the 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, the unique personalization file to the device over the wireless network, wherein the unique 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, and wherein 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. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable storage medium (CRM) having computer-executable instructions stored thereon that, if executed by a computer for personalizing a device over a wireless network, cause the computer to perform operations comprising:
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receiving, by the computer, a request to personalize the device with user-specific information; preparing, by the computer and in response to the request to personalize the device, a unique personalization file for use with the device; providing, by the computer, a description file to the device over the wireless network, the description file comprising a URL pointing to a web-hosting environment containing a resource file comprising a software module; providing, by the computer and in response to a user contacting the web-hosting environment using the URL, the resource file to the device over the wireless network, wherein in response to receiving the resource file, the device installs the software module in a first 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, the unique personalization file to the device over the wireless network, wherein the unique 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, and wherein 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. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification