This disc was known to cause many players to need a firmware update, your best bet is to just download the firmware from the panasonic website and burn it to a cd-r and install it that way. If you can't do that, then panny will mail you a disc at no charge, you could call customer service to order one, and maybe they can connect you with someone who can explain to you how to upgrade your fw via sd card, or why you can't update your fw via sd card.