phone is locked to owner

Connect to a Mac or Windows PC, and perform a factory reset.

Restore your iPhone, iPad, or iPod to factory settings - Apple Support

None of this will bypass Activation Lock, if that is involved here.

cmphilemon Said:

"phone is locked to owner: Trying to restore my iphone and it won't go to restore. Says an update is needed"

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Successfully Updating an iPhone:

A. Troubleshooting an Update not Responding:

Boot Loop: Perhaps it is stuck in a boot loop? This can occur when updating, and it got frozen.  So, user MY User Tip: How to Fix an iPhone in a Boot Loop - User Tip

B. Update Using a Computer:

Have a Computer Handy? If so, try using a computer to update. Go here: Update your iPhone Using a Computer - User Tip