Source: https://patents.google.com/patent/US9866989B2/en
Timestamp: 2019-04-19 23:57:30+00:00

Document:
2016-04-05 Assigned to III HOLDINGS 1, LLC reassignment III HOLDINGS 1, LLC ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
2016-12-19 Assigned to AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. reassignment AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: JONES, JESSICA U., PEART, LEE J., BEENAU, BLAYN W., SAUNDERS, PETER D.
The present application is a continuation of U.S. application Ser. No. 14/086,080, filed Nov. 21, 2013 (now U.S. Pat. No. 9,307,341), which is a continuation of U.S. application Ser. No. 11/741,288 filed Apr. 27, 2007 (now U.S. Pat. No. 8,620,260); the disclosures of each of the above-referenced applications are incorporated by reference herein in their entireties.
“Open cards” are financial transaction cards that are generally accepted at different merchants. Examples of open cards include American Express, Visa®, MasterCard®, and Discover® cards, which may be used at many different retailers and other businesses. In contrast, “closed cards” are financial transaction cards that may be restricted to use in a particular store, a particular chain of stores, or a collection of affiliated stores. One example of a closed card is a pre-paid gift card that may only be purchased at, and only be accepted at, a clothing retailer, such as The Gap® store.
It will be appreciated by one of ordinary skill in the art, in light of the present application, that steps 101 through 106 can be fully automated at the provider's side (using hardware and/or software such as one or more computer systems or other processing systems running software programs), or they can incorporate human input (for example, a person at the provider's side can check a database to con firm that a transaction account for the user does exist).
From the provider's side, an SMS message is sent to the mobile phone of the user (107), either completely automatically or with input from a person. (Other wireless methods, such as Multimedia Messaging Service, may be employed in place of SMS.) The SMS message preferably informs the user that the necessary application(s) are ready for download to the phone. The SMS message also preferably includes a Uniform Resource Locator (URL) address that points to a description file, such as a Java application descriptor file (.JAD file), which is hosted at the provider's side in a web-hosting environment and may be specific to the user. When the user visits the URL, the description file, which is part of the application set built in step 106, may be downloaded (108). This preferably occurs automatically when the user contacts the web-hosting environment. The .JAD file preferably contains another URL leading to a resource file, such as a Java archive file (.JAR file), which is hosted at the provider's side in a web-hosting environment, and that comprises software that will perform as a payment application (further described later) once installed on the mobile phone. The .JAD file also preferably contains instructions on how to obtain the personalized data package generated in step 105 (for example, the .JAD can provide an URL leading to the personalized data package generated in step 105). Preferably, when the .JAD file is read by the mobile phone for the first time, the URL to the resource file is submitted, thereby causing the downloading of the resource file (109) to the mobile phone, where it is to be executed in the main operating environment of the phone. The main operating system of the phone, which is J2ME in this embodiment, functions to control the keypad of the phone, the display screen, and so on.
Instead of having the description file contain instructions on how to obtain the personalized data package (which includes the unique personalization file containing information specific to the owner of the transaction account), the description file can directly contain the information specific to the owner of the transaction account. In this case, if the user chooses to execute the .JAR file, the information specific to the owner of the transaction account is accessed from the .JAD file and implemented onto the phone, into the secure element.
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.
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.
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.
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References: Application No. 08746398
 Application No. 08746400
 Application No. 2008245666
 Application No. 2008245668
 Application No. 2008245878
 Application No. 2008245878
 Application No. 2008245878
 Application No. 2008245880
 Application No. 08746398
 Application No. 08746400
 Application No. 08746927
 Application No. 2008245878
 Application No. 2
 Application No. 2008245668
 Application No. 08746926
 Application No. 08746927