Scenario "I trying to develope a membership VCard, which is stored on the members phone.

When they need there member information they simple text to the stored number which will pre-populate the message with the required info to verify who the member is without the member having to input there details. They will then receive a confirmation text from the company or call which ever required"

Create from details in a Customer Database
Sends a VCard applet to the phone which is stored in the contacts or phone book

Customer Usage:
Opens contact and creates a message
Auto attach the member details or inserts into message
on send
Received by a carrier and distributed to the customer Database

Whats the best solution which will be compatiable cross networks and cross phones?

Any suggestions will be appreciated