This patent portfolio covers foundational technologies for generating and delivering customized mobile wallet applications that integrate digital loyalty, membership, ticketing, and identification cards directly to user terminals. The patents protect methods for terminal-specific application generation using templates, post-installation customization that complies with app store constraints, secure over-the-air delivery, and seamless integration with iOS and Android wallets, POS systems, and progressive web applications. These technologies address key limitations of legacy loyalty systems—such as device fragmentation, low adoption, manual updates, and scalability barriers—while enabling viral distribution, secure personalization, and omnichannel deployment. With broad applicability across retail, financial services, payments, transit, hospitality, and mobile marketing, the portfolio represents core infrastructure IP for next-generation digital wallet and loyalty ecosystems and presents a strong licensing or acquisition opportunity in a rapidly expanding global market.