That's right Alman, I had also figured it out too.
Sorry I did not have the reply posted, I didn't manage to find the time to write up the results.
For the others who have never downloaded any backgrounds, I have attached the required files.
Cat.body -> actual .png file
Cat -> link file
To use this, change the extension from your existing .png file to .body and rename the Cat file to the name of your original .png file (without the .png extension).
For the ringtones, it works the same way. Rename the .mid file to .body and rename the attached 'Ringtone' file to the name of the original .mid file (without the .mid extension).
Attachments can be found at:
http://www.limedrink.com/a650/
If anyone has downloaded a game on their cell phone, can you please attach the game from your /U/GA (or /u/JA -not sure-)? That will allow me to find the format of how the games are stored on the phone.
That should basically cover everything.
Many thanks to brownting for figuring all of this out with me!
Limedrink.
Struggling Newbie in GTA Online
in General Cell Phone Forum