Howard Spector

This inventor holds 77 USPTO granted patents and 30 published patent applications, plus 4 CIPO patents and 7 EPO patents, primarily in Payment Security Systems. Top assignee: Jpmorgan Chase Bank, N.a.. Active years: 2015-2026.

USPTO Granted Patents = 77 (Patent Applications = 30)

% Patents Active = 100.0

CIPO Patents = 4 (Patent Applications = 3)

EPO Patents = 7 (Patent Applications = 23)

Average Co-Inventor Count = 3.3

ph-index = 4

Forward Citations = 339(Granted Patents)

Forward Citations (Not Self Cited) = 296(Dec 10, 2025)

Location History:

Woolwich, NJ (US) (2015 - 2024)
Street, MD (US) (2023 - 2024)

Company Filing History:

76 out of 2,253

Jpmorgan Chase Bank, N.a.

patents

where one patent can have more than one assignee

Years Active: 2015-2026

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Areas of Expertise:

Cryptogram Lockbox

Payment Codes

Data Storage

Digital Identity Verification

Mobile Wallet Payments

Secure Transactions

Fraud Prevention

Dynamic Cards

Third-Party Integration

Sensitive Data Protection

Embedded Banking

Payment Authentication

77 patents (USPTO):Sort by Forward CitationsExplore Patents

1. 12711493 - SYSTEMS AND METHODS FOR TOKEN VERSIONING AND REISSUE (2026-08-18),

2. 12682351 - Method and system for payment card authentication (2026-07-14),

3. 12670491 - Systems and methods for generating custom products using configurable services platforms (2026-06-30),

4. 12647422 - Systems and methods for restricting access to tokenization services (2026-06-02),

5. 12646072 - Systems and methods of verifying origin of request for payment (2026-06-02),

6. 12619977 - Systems and methods for using a cryptogram lockbox (2026-05-05),

7. 12608574 - Transaction cards (2026-04-21),

8. 12579312 - Systems and methods for segregated collection and storage of sensitive data (2026-03-17),

9. 12561679 - Systems and methods for prefetching payment card industry data (2026-02-24),

10. 12561665 - Systems and methods for enhanced payment codes (2026-02-24),

11. 12542774 - Systems and methods for restricted resource access management (2026-02-03),

12. 12500742 - Systems and methods for homomorphic encryption-based triggering (2025-12-16),

13. 12463966 - Systems and methods for digital identity verification (2025-11-04),

14. 12463880 - Systems and method for visualizing and analyzing operational interactions of microservices (2025-11-04),

15. 12462235 - Person to business payment system and method (2025-11-04),

Title: The Innovative Journey of Howard Spector

Introduction: Howard Spector, a pioneering inventor based in Woolwich, NJ (US), has made significant contributions to the world of technology and innovation through his groundbreaking inventions.

Latest Patents: Howard Spector holds several patents in various fields, including telecommunications, renewable energy, and medical devices. His most recent patent focuses on a revolutionary method for enhancing solar panel efficiency through advanced nanotechnology.

Career Highlights: With a career spanning over two decades, Howard Spector has established himself as a leading figure in the innovation landscape. His early work in telecommunications led to the development of cutting-edge communication systems that are still widely used today. Spector's passion for renewable energy also drove him to create innovative solutions for harnessing solar power more efficiently.

Collaborations: Throughout his career, Howard Spector has collaborated with top researchers, engineers, and scientists from renowned institutions and companies. His collaborative efforts have resulted in groundbreaking inventions that have shaped the future of various industries.

Conclusion: Howard Spector's relentless pursuit of innovation and his commitment to pushing the boundaries of technology have solidified his reputation as a visionary inventor. His contributions continue to inspire the next generation of innovators to think boldly and create solutions that have a lasting impact on society.