Howard Spector

Person

Woolwich, NJ, US

People

Patents Grantslast 30 patents

Information Patent Grant
Systems and methods for protection of data across multiple users an...
- Patent number 12,242,650
- Issue date Mar 4, 2025
- JPMorgan Chase Bank, N.A.
- Tuan Dao
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods of verifying origin of request for payment
- Patent number 12,182,817
- Issue date Dec 31, 2024
- JPMorgan Chase Bank, N.A.
- Jasbir Banga
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for deterministically linking mobile applications
- Patent number 12,175,305
- Issue date Dec 24, 2024
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for dynamic inclusion of enhanced data in trans...
- Patent number 12,136,082
- Issue date Nov 5, 2024
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for providing embedded banking services
- Patent number 12,099,986
- Issue date Sep 24, 2024
- JPMORGAN CHASE BANK , N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for managing third party tokens and transaction...
- Patent number 12,079,801
- Issue date Sep 3, 2024
- JPMORGAN CHASE BANK , N.A.
- Tuan Dao
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for providing online security
- Patent number 12,081,551
- Issue date Sep 3, 2024
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for verified communication between mobile appli...
- Patent number 12,062,045
- Issue date Aug 13, 2024
- JPMORGAN CHASE BANK , N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
System and method for billpay using credit-based products
- Patent number 12,033,124
- Issue date Jul 9, 2024
- JPMORGAN CHASE BANK , N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems, methods, and devices for obfuscation of browser fingerprin...
- Patent number 12,019,785
- Issue date Jun 25, 2024
- JPMorgan Chase Bank, N.A.
- Jeremy F. Bennett
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for using a cryptogram lockbox
- Patent number 12,008,548
- Issue date Jun 11, 2024
- JPMORGAN CHASE BANK , N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Method and system for payment card authentication
- Patent number 11,961,080
- Issue date Apr 16, 2024
- JPMorgan Chase Bank N.A.
- Syed Rizwan Ali
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for protecting sensitive data in user online ac...
- Patent number 11,960,625
- Issue date Apr 16, 2024
- JPMorgan Chase Bank, N.A.
- Pavan Mummareddi
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for enhanced payment codes
- Patent number 11,961,063
- Issue date Apr 16, 2024
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for mobile wallet payments
- Patent number 11,928,669
- Issue date Mar 12, 2024
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for activating and using dynamic cards
- Patent number 11,922,400
- Issue date Mar 5, 2024
- James P. White
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for facilitating intent-based advertising and o...
- Patent number 11,922,448
- Issue date Mar 5, 2024
- JPMorgan Chase Bank, N.A.
- Tuan Dao
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for dynamic inclusion of enhanced data in trans...
- Patent number 11,893,575
- Issue date Feb 6, 2024
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for preventing the fraudulent sending of data f...
- Patent number 11,882,151
- Issue date Jan 23, 2024
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Secure digital safe deposit boxes and methods of use
- Patent number 11,847,648
- Issue date Dec 19, 2023
- JPMORGAN CHASE BANK , N.A.
- Allison Beer
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for facilitating payment application provisioni...
- Patent number 11,836,710
- Issue date Dec 5, 2023
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for moving, reconciling, and aggregating data f...
- Patent number 11,836,550
- Issue date Dec 5, 2023
- JPMORGAN CHASE BANK , N.A.
- Tayo Ibikunle
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for third-party service integration in an appli...
- Patent number 11,776,012
- Issue date Oct 3, 2023
- JPMorgan Chase Bank, N.A.
- Dave Carey
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for issuer-specified domain controls on a payme...
- Patent number 11,763,313
- Issue date Sep 19, 2023
- JPMorgan Chase Bank, N.A.
- Craig M. Mullaney
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for conducting person to person transactions us...
- Patent number 11,756,113
- Issue date Sep 12, 2023
- JPMorgan Chase Bank, N.A.
- David Christopher Carey
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
System and method for billpay using credit-based products
- Patent number 11,748,725
- Issue date Sep 5, 2023
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for managing third party tokens and transaction...
- Patent number 11,727,389
- Issue date Aug 15, 2023
- JPMorgan Chase Bank, N.A.
- Tuan Dao
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for protection of data across multiple users an...
- Patent number 11,681,826
- Issue date Jun 20, 2023
- JPMorgan Chase Bank, N.A.
- Tuan Dao
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Grant
Systems and methods for providing pre-emptive intercept warnings fo...
- Patent number 11,652,795
- Issue date May 16, 2023
- JPMorgan Chase Bank, N.A.
- Tuan Dao
- H04 - ELECTRIC COMMUNICATION TECHNIQUE
Information Patent Grant
Systems and methods for dynamic inclusion of enhanced data in trans...
- Patent number 11,620,639
- Issue date Apr 4, 2023
- JPMorgan Chase Bank, N.A.
- Howard Spector
- G06 - COMPUTING CALCULATING COUNTING

Patents Applicationslast 30 patents

Information Patent Application
SYSTEMS AND METHODS FOR CONVERSATIONAL TRANSACTING
- Publication number 20250045754
- Publication date Feb 6, 2025
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR PROVIDING CREDIT CLASSIFICATION PREDICTIONS
- Publication number 20250005660
- Publication date Jan 2, 2025
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR SEGREGATED COLLECTION AND STORAGE OF SENSIT...
- Publication number 20240362364
- Publication date Oct 31, 2024
- JPMorgan Chase Bank, N.A.
- Kelly Patrick ERNST
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR VERIFIED COMMUNICATION BETWEEN MOBILE APPLI...
- Publication number 20240346502
- Publication date Oct 17, 2024
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR VERIFIED COMMUNICATION BETWEEN MOBILE APPLI...
- Publication number 20240346503
- Publication date Oct 17, 2024
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR RESTRICTED RESOURCE ACCESS MANAGEMENT
- Publication number 20240314116
- Publication date Sep 19, 2024
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G07 - CHECKING-DEVICES
Information Patent Application
TRANSACTION CARDS
- Publication number 20240311602
- Publication date Sep 19, 2024
- JPMorgan Chase Bank, N.A.
- Sara SINDELAR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR USING DISPLAY-ENABLED TRANSACTION CARDS
- Publication number 20240311604
- Publication date Sep 19, 2024
- JPMorgan Chase Bank, N.A.
- Sara SINDELAR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR USING A CRYPTOGRAM LOCKBOX
- Publication number 20240273517
- Publication date Aug 15, 2024
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR LOCAL DATA STORAGE
- Publication number 20240249027
- Publication date Jul 25, 2024
- JPMorgan Chase Bank, N.A.
- Pavan MUMMAREDDI
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
METHOD AND SYSTEM FOR PAYMENT CARD AUTHENTICATION
- Publication number 20240220987
- Publication date Jul 4, 2024
- JPMorgan Chase Bank, N.A.
- Syed Rizwan ALI
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR ENHANCED PAYMENT CODES
- Publication number 20240177137
- Publication date May 30, 2024
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR MOBILE WALLET PAYMENTS
- Publication number 20240112174
- Publication date Apr 4, 2024
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR ACTIVATING AND USING DYNAMIC CARDS
- Publication number 20240095715
- Publication date Mar 21, 2024
- JPMorgan Chase Bank, N.A.
- James P. White
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR DYNAMIC INCLUSION OF ENHANCED DATA IN TRANS...
- Publication number 20240095717
- Publication date Mar 21, 2024
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR VERIFIED COMMUNICATION BETWEEN MOBILE APPLI...
- Publication number 20230403562
- Publication date Dec 14, 2023
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- H04 - ELECTRIC COMMUNICATION TECHNIQUE
Information Patent Application
SYSTEMS AND METHODS FOR VERIFIED COMMUNICATION BETWEEN MOBILE APPLI...
- Publication number 20230376953
- Publication date Nov 23, 2023
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR THIRD-PARTY SERVICE INTEGRATION IN AN APPLI...
- Publication number 20230377001
- Publication date Nov 23, 2023
- JPMorgan Chase Bank, N.A.
- Dave CAREY
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR PROTECTION OF DATA ACROSS MULTIPLE USERS AN...
- Publication number 20230367907
- Publication date Nov 16, 2023
- JPMorgan Chase Bank, N.A.
- Tuan DAO
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR SECURE DELEGATED ACCESS TO DIGITAL RESOURCES
- Publication number 20230362161
- Publication date Nov 9, 2023
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- H04 - ELECTRIC COMMUNICATION TECHNIQUE
Information Patent Application
SYSTEM AND METHOD FOR BILLPAY USING CREDIT-BASED PRODUCTS
- Publication number 20230325799
- Publication date Oct 12, 2023
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR CROSS-PLATFORM CONVERSION AND EXCHANGE OF V...
- Publication number 20230316268
- Publication date Oct 5, 2023
- JPMorgan Chase Bank, N.A.
- Dave CAREY
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR MOVING, RECONCILING, AND AGGREGATING DATA F...
- Publication number 20230315546
- Publication date Oct 5, 2023
- JPMorgan Chase Bank, N.A.
- Tayo IBIKUNLE
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR GENERATING CUSTOM PRODUCTS USING CONFIGURAB...
- Publication number 20230306410
- Publication date Sep 28, 2023
- JPMorgan Chase Bank, N.A.
- Priya ELAMBARUTHI
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR MANAGING THIRD PARTY TOKENS AND TRANSACTION...
- Publication number 20230306411
- Publication date Sep 28, 2023
- JPMorgan Chase Bank, N.A.
- Tuan Dao
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR DYNAMIC INCLUSION OF ENHANCED DATA IN TRANS...
- Publication number 20230196338
- Publication date Jun 22, 2023
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR CRYPTOCURRENCY CHECKOUT
- Publication number 20230186283
- Publication date Jun 15, 2023
- JPMorgan Chase Bank, N.A.
- David Christopher CAREY
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR THIRD-PARTY SERVICE INTEGRATION IN AN APPLI...
- Publication number 20230177563
- Publication date Jun 8, 2023
- JPMorgan Chase Bank, N.A.
- Dave CAREY
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR USE AND MANAGEMENT OF ISSUER PROVIDED PAYME...
- Publication number 20230153795
- Publication date May 18, 2023
- JPMorgan Chase Bank, N.A.
- John D MOORE
- G06 - COMPUTING CALCULATING COUNTING
Information Patent Application
SYSTEMS AND METHODS FOR DIGITAL IDENTITY VERIFICATION
- Publication number 20230094243
- Publication date Mar 30, 2023
- JPMorgan Chase Bank, N.A.
- Howard SPECTOR
- G06 - COMPUTING CALCULATING COUNTING

Howard Spector

Person

Patents Grantslast 30 patents

Systems and methods for protection of data across multiple users an...

Systems and methods of verifying origin of request for payment

Systems and methods for deterministically linking mobile applications

Systems and methods for dynamic inclusion of enhanced data in trans...

Systems and methods for providing embedded banking services

Systems and methods for managing third party tokens and transaction...

Systems and methods for providing online security

Systems and methods for verified communication between mobile appli...

System and method for billpay using credit-based products

Systems, methods, and devices for obfuscation of browser fingerprin...

Systems and methods for using a cryptogram lockbox

Method and system for payment card authentication

Systems and methods for protecting sensitive data in user online ac...

Systems and methods for enhanced payment codes

Systems and methods for mobile wallet payments

Systems and methods for activating and using dynamic cards

Systems and methods for facilitating intent-based advertising and o...

Systems and methods for dynamic inclusion of enhanced data in trans...

Systems and methods for preventing the fraudulent sending of data f...

Secure digital safe deposit boxes and methods of use

Systems and methods for facilitating payment application provisioni...

Systems and methods for moving, reconciling, and aggregating data f...

Systems and methods for third-party service integration in an appli...

Systems and methods for issuer-specified domain controls on a payme...

Systems and methods for conducting person to person transactions us...

System and method for billpay using credit-based products

Systems and methods for managing third party tokens and transaction...

Systems and methods for protection of data across multiple users an...

Systems and methods for providing pre-emptive intercept warnings fo...

Systems and methods for dynamic inclusion of enhanced data in trans...

Patents Applicationslast 30 patents

SYSTEMS AND METHODS FOR CONVERSATIONAL TRANSACTING

SYSTEMS AND METHODS FOR PROVIDING CREDIT CLASSIFICATION PREDICTIONS

SYSTEMS AND METHODS FOR SEGREGATED COLLECTION AND STORAGE OF SENSIT...

SYSTEMS AND METHODS FOR VERIFIED COMMUNICATION BETWEEN MOBILE APPLI...

SYSTEMS AND METHODS FOR VERIFIED COMMUNICATION BETWEEN MOBILE APPLI...

SYSTEMS AND METHODS FOR RESTRICTED RESOURCE ACCESS MANAGEMENT

TRANSACTION CARDS

SYSTEMS AND METHODS FOR USING DISPLAY-ENABLED TRANSACTION CARDS

SYSTEMS AND METHODS FOR USING A CRYPTOGRAM LOCKBOX

SYSTEMS AND METHODS FOR LOCAL DATA STORAGE

METHOD AND SYSTEM FOR PAYMENT CARD AUTHENTICATION

SYSTEMS AND METHODS FOR ENHANCED PAYMENT CODES

SYSTEMS AND METHODS FOR MOBILE WALLET PAYMENTS

SYSTEMS AND METHODS FOR ACTIVATING AND USING DYNAMIC CARDS

SYSTEMS AND METHODS FOR DYNAMIC INCLUSION OF ENHANCED DATA IN TRANS...

SYSTEMS AND METHODS FOR VERIFIED COMMUNICATION BETWEEN MOBILE APPLI...

SYSTEMS AND METHODS FOR VERIFIED COMMUNICATION BETWEEN MOBILE APPLI...

SYSTEMS AND METHODS FOR THIRD-PARTY SERVICE INTEGRATION IN AN APPLI...

SYSTEMS AND METHODS FOR PROTECTION OF DATA ACROSS MULTIPLE USERS AN...

SYSTEMS AND METHODS FOR SECURE DELEGATED ACCESS TO DIGITAL RESOURCES

SYSTEM AND METHOD FOR BILLPAY USING CREDIT-BASED PRODUCTS

SYSTEMS AND METHODS FOR CROSS-PLATFORM CONVERSION AND EXCHANGE OF V...

SYSTEMS AND METHODS FOR MOVING, RECONCILING, AND AGGREGATING DATA F...

SYSTEMS AND METHODS FOR GENERATING CUSTOM PRODUCTS USING CONFIGURAB...

SYSTEMS AND METHODS FOR MANAGING THIRD PARTY TOKENS AND TRANSACTION...

SYSTEMS AND METHODS FOR DYNAMIC INCLUSION OF ENHANCED DATA IN TRANS...

SYSTEMS AND METHODS FOR CRYPTOCURRENCY CHECKOUT

SYSTEMS AND METHODS FOR THIRD-PARTY SERVICE INTEGRATION IN AN APPLI...

SYSTEMS AND METHODS FOR USE AND MANAGEMENT OF ISSUER PROVIDED PAYME...

SYSTEMS AND METHODS FOR DIGITAL IDENTITY VERIFICATION