Source: https://patents.google.com/patent/US9307341B2/en
Timestamp: 2019-10-18 22:02:05
Document Index: 327600848

Matched Legal Cases: ['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']

US9307341B2 - Payment application download to mobile phone and phone personalization - Google Patents
US9307341B2
US9307341B2 US14/086,080 US201314086080A US9307341B2 US 9307341 B2 US9307341 B2 US 9307341B2 US 201314086080 A US201314086080 A US 201314086080A US 9307341 B2 US9307341 B2 US 9307341B2
US14/086,080
US20140080470A1 (en
2007-04-27 Priority to US11/741,268 priority patent/US8543496B2/en
2013-11-21 Application filed by III Holdings 1 LLC filed Critical III Holdings 1 LLC
2014-01-17 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.
2014-03-20 Publication of US20140080470A1 publication Critical patent/US20140080470A1/en
2016-04-05 Publication of US9307341B2 publication Critical patent/US9307341B2/en
This application is a continuation of, claims priority to and the benefit of, U.S. Ser. No. 11/741,288 filed Apr. 27, 2007 and entitled “PAYMENT APPLICATION DOWNLOAD TO MOBILE PHONE AND PHONE PERSONALIZATION.” The '288 application is related to U.S. Ser. No. 11/741,268, filed Apr. 27, 2007, entitled User Experience on Mobile Phone, and issued as U.S. Pat. No. 8,543,496 on Sep. 24, 2013. All of which are hereby incorporated herein by reference.
The computer system 200 includes one or more processors, such as processor 204.
The processor 204 is connected to a communication infrastructure 206 (e.g., a communications bus, cross-over bar, or network). After reading this description, it will become apparent to a person skilled in the relevant art(s) how to implement the invention using other computer systems and/or architectures.
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.
2. 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.
3. The method of claim 1, wherein the software module is configured to instruct the user device to transmit, via radio frequency (RF), the transaction account information to a point of sale device (POS).
4. The method of claim 1, wherein the user device is a mobile phone.
5. The method of claim 1, wherein the resource file is a Java archive file.
6. The method of claim 1, further comprising processing, by the computer system, a financial transaction via the user device.
7. The method of claim 1, wherein the second, secure memory element is a secure card using a JCOP operating system.
8. The method of claim 1, wherein the resource file is based on the personalized data package.
9. The method of claim 1, further comprising authenticating, by the computer system, the request to personalize the user device.
10. The method of claim 1, further comprising providing, by the computer system, a description file to the user device over a wireless network, wherein the description file comprises the resource file comprising the software module.
a first memory element and a second, secure memory element both coupled to the one or more processors, wherein the first memory element has stored thereon instructions executable to cause the system to perform operations comprising:
sending, via text message, a request to personalize the system, wherein the text message relates to a transaction account associated with a user of the system;
receiving a reply text message to the request indicating that a resource file comprising a software module to be installed on the system is ready for download at a URL indicated in the reply text message;
in response to accessing the URL, receiving the resource file and installing the software module in the first memory element;
in response to transmitting information indicating the system 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 first memory element; and
based on instructions included in the resource file, copying the personalized data package to the second, secure memory element and deleting the personalized data package from the first memory element.
12. The system of claim 11, wherein the operations further comprise accessing the personalized data package via the software module.
13. The system of claim 11, wherein the operations further comprise conducting a transaction via the transaction account.
14. The system of claim 11, wherein the system is a mobile phone.
15. The system of claim 11, wherein the second, secure memory element is a secure card using a Java-based operating system.
16. A non-transitory computer-readable medium having stored thereon instructions executable by a system including one or more processors to the system to perform operations comprising:
in response to accessing the URL, receiving the resource file and installing the software module in a first memory element;
based on instructions included in the resource file, copying the personalized data package to a second, secure memory element and deleting the personalized data package from the first memory element.
17. The non-transitory computer-readable medium of claim 16, wherein the operations further comprise performing a transaction via the software module.
18. The non-transitory computer-readable medium of claim 16, wherein the operations further comprise accessing the personalized data package via the software module.
19. The non-transitory computer-readable medium of claim 16, further comprising receiving information indicating that the system has been authenticated.
US14/086,080 2007-04-27 2013-11-21 Payment application download to mobile phone and phone personalization Active US9307341B2 (en)
US11/741,288 Continuation US8620260B2 (en) 2007-04-27 2007-04-27 Payment application download to mobile phone and phone personalization
US15/090,603 Continuation US9866989B2 (en) 2007-04-27 2016-04-04 Payment application download to mobile phone and phone personalization
US20140080470A1 US20140080470A1 (en) 2014-03-20
US9307341B2 true US9307341B2 (en) 2016-04-05
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Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:BEENAU, BLAYN W.;JONES, JESSICA U.;PEART, LEE J.;AND OTHERS;SIGNING DATES FROM 20040419 TO 20070423;REEL/FRAME:031993/0928