After another few hours of thinking this through I got it workied out and updated with my Android phone this morning.
The phone will download the file but wants to save it as Default.aspx
So file name must be changed to iflyupdatepackage.zip
then the phone wants to put it in the downloads subdirectory on the sd card so you have to move up a level on the card so the Ifly will find it.
The worst part is taking the card out of the phone which involves taking the back off of it
then use the USB SD card reader to insert in Ifly and in seconds you are up to date.
With a couple practice runs I think this could be done in a couple minutes from start to finish which really makes it worthwhile when out and away from computer and/or wifi connection.