Patents by Inventor Alan Cooke
Alan Cooke has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 10043209Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.Type: GrantFiled: July 23, 2012Date of Patent: August 7, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Alan Cooke, Garry Lyons, Oran Cummins, Stephen Elder, Lukas Ekselius
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Publication number: 20180068299Abstract: A method of acoustic-based data distribution includes recognizing a high frequency analog acoustic signal by an acoustic receiver of a mobile computing device. The high frequency analog acoustic signal includes a stream of sound that is outside the audible spectrum of a human, and contains encoded data. An analog-to-digital converter of the mobile computing device converts the recognized high frequency analog acoustic signal to a digital acoustic signal, and then a processor of the mobile computing device analyzes the digital acoustic signal to obtain the encoded data from the digital acoustic signal. The processor decodes the encoded data obtained from the digital acoustic signal to obtain information, and then a display device of the mobile computing device displays the information on the mobile computing device.Type: ApplicationFiled: November 13, 2017Publication date: March 8, 2018Applicant: Mastercard International IncorporatedInventors: Alan COOKE, Garry LYONS, Oran CUMMINS
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Patent number: 9836780Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.Type: GrantFiled: November 18, 2011Date of Patent: December 5, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Alan Cooke, Garry Lyons, Oran Cummins, Stephen Elder
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Patent number: 9836737Abstract: A method for distributing context-based data using an acoustic receiving device and a high frequency analog acoustic signal is disclosed. The acoustic receiving device a high frequency analog acoustic signal. A high frequency analog acoustic signal is of a frequency of at least 21,000 Hz and contains encoded data. The high frequency analog acoustic signal is converted to a digital acoustic signal and then analyzed to obtain the encoded data. The data is decoded to obtain information, and the information is then displayed on the acoustic receiving device.Type: GrantFiled: November 18, 2011Date of Patent: December 5, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Alan Cooke, Garry Lyons, Oran Cummins
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Patent number: 9767446Abstract: Systems and methods for operating a touch screen for contactless payments are described. In an embodiment, a process includes detecting the presence of multiple proximity payment devices in contact with a touchable surface of a touch screen, displaying a payment option menu for multiple consumers associated with the proximity payment devices, and detecting selection of payment amounts. The process includes reading payment account data from the multiple proximity payment devices, providing the payment account data to a processor, and transmitting the payment account data and the payment amounts associated with the multiple proximity payment devices to a payment server computer. The process may also include receiving one or more payment authorization messages associated with the proximity payment devices, and displaying the payment authorization message(s).Type: GrantFiled: July 19, 2012Date of Patent: September 19, 2017Assignee: MasterCard International IncorporatedInventors: Alan Cooke, Stephen Elder, Simon Blythe
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Patent number: 9646297Abstract: An application providing method including: storing, at a memory of a cloud-based computing resource, at least two web-based applications; allowing a computing device of a user, after the user has gained access to a website of a financial institution of which the user has an account, to access the application offering page identifying the at least two web-based applications that are stored on the cloud-based computing resource; receiving, in the cloud-based computing resource, a selection of an application from the application offering page; transmitting, from the cloud-based computing resource to the computing device, data that allows the selected application to be displayed on the computing device, the selected application being stored on the cloud-based computing resource; and transmitting, from the cloud-based computing resource to the computing device, data that allows data pertaining to the user that was previously stored by the financial institution to be displayed on the computing device.Type: GrantFiled: December 23, 2013Date of Patent: May 9, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Rigo Van Den Broeck, Alan Cooke, Stephen Toner, Andrey Shishlo, Edward Kilbaine, Golnaz Amininejad, Benoit Maloir
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Patent number: 9384499Abstract: A method for indirectly controlling a website using a user communication device is disclosed. A unique machine-readable code is displayed on a display device, the unique machine-readable code being specific to the display device displaying contents from a website through a server. The unique machine-readable code is readable by a user communication device, the user communication device in turn being able to communicate with the server through a communication path not involving an input device associated with the display device. Commands to control content displayed through the server are received from the user communication device. The commands include the identity of the specific display device by the displayed unique machine readable code. The content displayed on the specific display device is then changed accordingly.Type: GrantFiled: November 18, 2011Date of Patent: July 5, 2016Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Garry Lyons, David Brown, Michael Clay Atkins, Oran Cummins, Daniel Martin, Alan Cooke, Stephen Elder
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Publication number: 20150178713Abstract: An application providing method including: storing, at a memory of a cloud-based computing resource, at least two web-based applications; allowing a computing device of a user, after the user has gained access to a website of a financial institution of which the user has an account, to access the application offering page identifying the at least two web-based applications that are stored on the cloud-based computing resource; receiving, in the cloud-based computing resource, a selection of an application from the application offering page; transmitting, from the cloud-based computing resource to the computing device, data that allows the selected application to be displayed on the computing device, the selected application being stored on the cloud-based computing resource; and transmitting, from the cloud-based computing resource to the computing device, data that allows data pertaining to the user that was previously stored by the financial institution to be displayed on the computing device.Type: ApplicationFiled: December 23, 2013Publication date: June 25, 2015Applicant: MasterCard International IncorporatedInventors: Rigo VAN DEN BROECK, Alan COOKE, Stephen TONER, Andrey SHISHLO, Edward KILBAINE, Golnaz AMININEJAD, Benoit MALOIR
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Publication number: 20150170177Abstract: A method for limiting coupon distribution based on risk includes: storing consumer profiles receiving data for transactions involving a consumer; receiving credit information for the consumer; generating variables to identify patterns of behavior based on the data; creating a behavioral profile for the consumer based on the variables; analyzing the credit information and the behavioral profile to determine a risk profile; and distributing coupons to the consumer based on the consumer's risk profile.Type: ApplicationFiled: February 24, 2015Publication date: June 18, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Alan COOKE
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Publication number: 20140081726Abstract: A system and method for processing an economic benefit between friends on a social network using a consumer identifier, payment card, and plurality of friend identifiers, each friend identifier including a consumer identifier corresponding to another consumer data entry, at least one challenge including a challenge identifier, task identification, threshold number of consumers and a reward; a task identifier and a required action. Upon an indication of completion of a task by the consumer and friends or indication based on performance of the corresponding required action, the consumer and friends can share in a reward.Type: ApplicationFiled: September 19, 2012Publication date: March 20, 2014Applicant: MASTERCARD INTERNATIONAL INCORPORATIONInventors: Alan COOKE, Adam Kenneth HOSP, Stephen WHITNEY, J. Chris WHEELER, Christopher Andrew GUINEY, Natalie SHATZMAN
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Publication number: 20140081745Abstract: A method for limiting coupon distribution based on risk includes: storing consumer profiles, each including an identifier; receiving data for transactions involving a consumer; receiving credit information for the consumer; generating variables to identify patterns of behavior based on the data; creating a behavioral profile for the consumer based on the variables; analyzing the credit information and the behavioral profile to determine a risk profile; and distributing coupons to the consumer based on the consumer's risk profile.Type: ApplicationFiled: September 19, 2012Publication date: March 20, 2014Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Alan COOKE
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Publication number: 20140025513Abstract: Systems and methods for operating a touch screen for contactless payments are described. In an embodiment, a process includes detecting the presence of multiple proximity payment devices in contact with a touchable surface of a touch screen, displaying a payment option menu for multiple consumers associated with the proximity payment devices, and detecting selection of payment amounts. The process includes reading payment account data from the multiple proximity payment devices, providing the payment account data to a processor, and transmitting the payment account data and the payment amounts associated with the multiple proximity payment devices to a payment server computer. The process may also include receiving one or more payment authorization messages associated with the proximity payment devices, and displaying the payment authorization message(s).Type: ApplicationFiled: July 19, 2012Publication date: January 23, 2014Inventors: Alan Cooke, Stephen Elder, Simon Blythe
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Publication number: 20130282437Abstract: Methods and apparatus for providing purchase intention and consumer preference data to merchants are described. In an embodiment, the process includes receiving, by a server computer from a device at a merchant location, consumer check-in data and then retrieving consumer preferences data and purchase history data. The method also includes retrieving merchant data indicative of items and/or services offered by the merchant, and determining purchase intention data indicative of an item or service that the consumer intends to purchase based on at least one of the consumer preferences data, the consumer purchase history data, and the merchant data. The process then includes transmitting the purchase intention data in real-time to a merchant device at the merchant location.Type: ApplicationFiled: April 17, 2013Publication date: October 24, 2013Inventors: Alan Cooke, Stephen Paul Hendrix, Michael Henry Fiore, Ana Carolina de Macedo Martins, Sinead Fitzgerald, Thomas Buckley, Kathy Koh Ming-Li
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Publication number: 20130238408Abstract: Methods and apparatus are disclosed for attaching loyalty program data to an electronic payment in a payment processing network. In an embodiment, a method transmits, from a merchant to a bank network (BankNet), an authorization request comprising a primary account number (PAN) of a customer and routes the request to a payment card issuer. The method then identifies a loyalty program associated with the PAN and receives, at the BankNet, an authorization response comprising an indicator of the loyalty program. The method forwards the authorization response to an acquirer and sends the authorization response to the merchant. In another embodiment, a system transmits an authorization request and routes the authorization request to a BankNet in response to determining that a merchant is a member of a loyalty program. The system receives an authorization response comprising an indicator of the loyalty program, forwards the response to an acquirer and the merchant.Type: ApplicationFiled: March 8, 2012Publication date: September 12, 2013Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Alan COOKE, Claire BYRNE, Elaine CLARKE, Sinead FITZGERALD
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Publication number: 20130066749Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.Type: ApplicationFiled: July 23, 2012Publication date: March 14, 2013Applicant: MasterCard International IncorporatedInventors: Alan Cooke, Garry Lyons, Oran Cummins, Stephen Elder, Lukas Ekselius
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Publication number: 20120130790Abstract: A method of distributing context based offers to a mobile device based on device location and user transaction history is disclosed. The geographic location of a mobile device associated with a user is disclosed. At least one merchant proximate to the geographic location is identified. A user account associated with the user is analyzed in order to identify at least one previous transaction between the user and the at least one merchant. Upon identifying at least one previous transaction, an offer for goods or services associated with the at least one merchant is distributed to the mobile device.Type: ApplicationFiled: November 18, 2011Publication date: May 24, 2012Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Garry LYONS, Stephen ELDER, Alan COOKE
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Publication number: 20120130866Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.Type: ApplicationFiled: November 18, 2011Publication date: May 24, 2012Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Alan Cooke, Garry Lyons, Oran Cummins, Stephen Elder
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Publication number: 20120131094Abstract: A method for indirectly controlling a website using a user communication device is disclosed. A unique machine-readable code is displayed on a display device, the unique machine-readable code being specific to the display device displaying contents from a website through a server. The unique machine-readable code is readable by a user communication device, the user communication device in turn being able to communicate with the server through a communication path not involving an input device associated with the display device. Commands to control content displayed through the server are received from the user communication device. The commands include the identity of the specific display device by the displayed unique machine readable code. The content displayed on the specific display device is then changed accordingly.Type: ApplicationFiled: November 18, 2011Publication date: May 24, 2012Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Garry LYONS, David Brown, Michael Clay Atkins, Oran Cummins, Daniel Martin, Alan Cooke, Stephen Elder
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Publication number: 20120130888Abstract: A method for distributing context-based data using an acoustic receiving device and a high frequency analog acoustic signal is disclosed. The acoustic receiving device a high frequency analog acoustic signal. A high frequency analog acoustic signal is of a frequency of at least 21,000 Hz and contains encoded data. The high frequency analog acoustic signal is converted to a digital acoustic signal and then analyzed to obtain the encoded data. The data is decoded to obtain information, and the information is then displayed on the acoustic receiving device.Type: ApplicationFiled: November 18, 2011Publication date: May 24, 2012Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Alan Cooke, Garry Lyons, Oran Cummins
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Publication number: 20120130889Abstract: An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network.Type: ApplicationFiled: November 18, 2011Publication date: May 24, 2012Applicant: MasterCard International IncorporatedInventors: Garry LYONS, David BROWN, Michael Clay ATKINS, Oran CUMMINS, Daniel MARTIN, Alan COOKE, Stephen ELDER