Patent ID: 9307341
Filing Date: 2016-04-05
CPC Classification: G06Q,G07F,H04W

Claim Text:
1. A method, comprising: receiving, at a computer system and from a user device, a request in the form of a text message to personalize the user device; storing, by the computer system and in a database maintained by a provider of a transaction account associated with a user of the user device, information indicating that the user device is authorized to interact with the transaction account to make a mobile payment; generating, by the computer system, a personalized data package, wherein the personalized data package includes transaction account information specific to the transaction account; in response to the request, the computer system sending a text message addressed to a phone number associated with the user device, wherein the text message indicates that a resource file related to a software module to be installed on the user device is ready for download at a URL; in response to receiving information indicating that the user device has visited the URL, transmitting, by the computer system, the resource file to the user device, wherein the resource file is configured to facilitate installation of the software module in a first internal memory of the user device; and in response to receiving information indicating the user device has accessed the software module, transmitting, by the computer system, the personalized data package to the user device, wherein the software module is configured to store the personalized data package in the first internal memory of the user device, wherein, based upon instructions included in the resource file, the software module is configured to copy the personalized data package to a second, secure memory element of the user device and delete the personalized data package from the first internal memory, and wherein the software module is configured to access the transaction account information in the second, secure memory element in order to enable the user device to operate as a mobile financial transaction instrument.