Payment application download to mobile phone and phone personalization

• US 9,866,989 B2
• Filed: 04/04/2016
• Issued: 01/09/2018
• Est. Priority Date: 04/27/2007
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: III Holdings 1, LLC
• Inventors: Saunders, Peter D., Peart, Lee J., Warren, Jessica U., Beenau, Blayn W.
• Primary Examiner(s): MEHRA, INDER P
• Application Number:
  US15/090,603
• Publication Number:
  US 20170006406A1
• Time in Patent Office: 645 Days
• Field of Search: 455406, 705 39, 705 11, 705 261, 705 30, 705 1438, 705 1464, 705 16, 705 21, 705348, 23547202
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04W 4/60 Subscription-based services using application servers or record carriers, e.g. SIM application toolkits

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.

Claims

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; and

transmitting, 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; 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).

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; and

transmitting, 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.