Patent ID: 8620260
Filing Date: 2013-12-31
Classification: G06Q,G07F,H04W

Abstract:
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.