Payment application download to mobile phone and phone personalization
First Claim
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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).
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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.
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Citations
17 Claims
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1. A method of configuring a user device as a mobile financial transaction instrument, comprising:
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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). - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A user device, comprising:
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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). - View Dependent Claims (11, 12, 13)
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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:
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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). - View Dependent Claims (15, 16, 17)
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Specification