Inventor · disambiguated record
Howard Spector
Also filed as: SPECTOR HOWARD
66 granted patents·31 pending applications·414 citations·filing 2012–2025
98Inventor score
Top patents by PatentIndex Score
97 records- 0195US9195984B1Systems and methods for processing transactions using a walletSPECTOR HOWARD·Filed 2012·Granted Nov 24, 2015·330 cites·21 claims
- 0292US10204337B1Systems and methods for processing transactions using a walletJPMORGAN CHASE BANK NA·Filed 2016·Granted Feb 12, 2019·9 cites·14 claims
- 0391US12019785B2Systems, methods, and devices for obfuscation of browser fingerprint data on the world wide webJPMORGAN CHASE BANK NA·Filed 2022·Granted Jun 25, 2024·2 cites·20 claims
- 0491US9275387B1Systems and methods for processing transactions using a walletSPECTOR HOWARD·Filed 2012·Granted Mar 1, 2016·18 cites·14 claims
- 0590US10937027B1Systems and methods for managing token-based transactionsJPMORGAN CHASE BANK NA·Filed 2016·Granted Mar 2, 2021·9 cites·20 claims
- 0689US10878407B1Systems and methods for facilitating payment application provisioning and transactingJPMORGAN CHASE BANK NA·Filed 2016·Granted Dec 29, 2020·8 cites·20 claims
- 0787US11922448B2Systems and methods for facilitating intent-based advertising and offersJPMORGAN CHASE BANK NA·Filed 2022·Granted Mar 5, 2024·1 cites·18 claims
- 0887US10002351B1Systems and methods for processing transactions using a walletJPMORGAN CHASE BANK NA·Filed 2015·Granted Jun 19, 2018·4 cites·12 claims
- 0986US11252140B2Systems and methods for securely calling APIs on an API gateway from applications needing first party authenticationJPMORGAN CHASE BANK NA·Filed 2019·Granted Feb 15, 2022·6 cites·18 claims
- 1085US11960625B2Systems and methods for protecting sensitive data in user online activitiesJPMORGAN CHASE BANK NA·Filed 2021·Granted Apr 16, 2024·2 cites·17 claims
- 1183US11526444B2Method and system for predictively caching dataJPMORGAN CHASE BANK NA·Filed 2021·Granted Dec 13, 2022·2 cites·20 claims
- 1283US11107067B2Systems and methods for real-time application configuration for NFC transactionsJPMORGAN CHASE BANK NA·Filed 2018·Granted Aug 31, 2021·2 cites·18 claims
- 1382US10943247B1Systems and methods for providing expedited promotionsJPMORGAN CHASE BANK NA·Filed 2017·Granted Mar 9, 2021·4 cites·14 claims
- 1482US10878406B2Systems and methods for token and transaction managementJPMORGAN CHASE BANK NA·Filed 2018·Granted Dec 29, 2020·3 cites·20 claims
- 1581US12182817B2Systems and methods of verifying origin of request for paymentJPMORGAN CHASE BANK NA·Filed 2021·Granted Dec 31, 2024·1 cites·12 claims
- 1681US11961063B1Systems and methods for enhanced payment codesJPMORGAN CHASE BANK NA·Filed 2016·Granted Apr 16, 2024·2 cites·18 claims
- 1781US11836710B2Systems and methods for facilitating payment application provisioning and transactingJPMORGAN CHASE BANK NA·Filed 2020·Granted Dec 5, 2023·1 cites·12 claims
- 1880US11620639B2Systems and methods for dynamic inclusion of enhanced data in transactionsJPMORGAN CHASE BANK NA·Filed 2018·Granted Apr 4, 2023·2 cites·12 claims
- 1979US11727389B2Systems and methods for managing third party tokens and transactions across issuer ecosystemsJPMORGAN CHASE BANK NA·Filed 2018·Granted Aug 15, 2023·2 cites·6 claims
- 2079US11507954B2Systems and methods for conducting transactions using a surrogate pinJPMORGAN CHASE BANK NA·Filed 2018·Granted Nov 22, 2022·1 cites·9 claims
- 2178US12314951B2Systems and methods for verified communication between mobile applicationsJPMORGAN CHASE BANK NA·Filed 2024·Granted May 27, 2025·0 cites·20 claims
- 2277US12175305B2Systems and methods for deterministically linking mobile applicationsJPMORGAN CHASE BANK NA·Filed 2020·Granted Dec 24, 2024·1 cites·10 claims
- 2376US12307460B2Systems and methods for verified communication between mobile applicationsJPMORGAN CHASE BANK NA·Filed 2024·Granted May 20, 2025·0 cites·20 claims
- 2474US12400215B2Systems and methods for activating and using dynamic cardsJPMORGAN CHASE BANK NA·Filed 2023·Granted Aug 26, 2025·0 cites·20 claims
- 2574US12136082B2Systems and methods for dynamic inclusion of enhanced data in transactionsJPMORGAN CHASE BANK NA·Filed 2023·Granted Nov 5, 2024·0 cites·12 claims
- 2674US11122056B2Systems and methods for binding authorization to a proxy using a get/authorize URL through a native applicationJPMORGAN CHASE BANK NA·Filed 2019·Granted Sep 14, 2021·2 cites·16 claims
- 2773US11961080B2Method and system for payment card authenticationJPMORGAN CHASE BANK NA·Filed 2021·Granted Apr 16, 2024·1 cites·16 claims
- 2873US2024112174A1Systems and methods for mobile wallet paymentsJPMORGAN CHASE BANK NA·Filed 2023·Application pending·0 cites
- 2972US11544779B2Systems and methods for digital identity verificationJPMORGAN CHASE BANK NA·Filed 2020·Granted Jan 3, 2023·1 cites·3 claims
- 3072US2025294364A1Systems and methods for verified communication between mobile applicationsJPMORGAN CHASE BANK NA·Filed 2025·Application pending·0 cites
- 3171US11928669B2Systems and methods for mobile wallet paymentsJPMORGAN CHASE BANK NA·Filed 2022·Granted Mar 12, 2024·0 cites·15 claims
- 3271US11893575B2Systems and methods for dynamic inclusion of enhanced data in transactionsJPMORGAN CHASE BANK NA·Filed 2023·Granted Feb 6, 2024·0 cites·12 claims
- 3371US2025094991A1Systems and methods of verifying origin of request for paymentJPMORGAN CHASE BANK NA·Filed 2024·Application pending·0 cites
- 3470US12400099B2Systems and methods for using display-enabled transaction cardsJPMORGAN CHASE BANK NA·Filed 2024·Granted Aug 26, 2025·0 cites·20 claims
- 3570US12242650B2Systems and methods for protection of data across multiple users and devicesJPMORGAN CHASE BANK NA·Filed 2023·Granted Mar 4, 2025·0 cites·14 claims
- 3669US12333569B2Systems and methods for third-party service integration in an applicationJPMORGAN CHASE BANK NA·Filed 2023·Granted Jun 17, 2025·0 cites·20 claims
- 3769US12099986B2Systems and methods for providing embedded banking servicesJPMORGAN CHASE BANK NA·Filed 2022·Granted Sep 24, 2024·0 cites·14 claims
- 3869US12062045B2Systems and methods for verified communication between mobile applicationsJPMORGAN CHASE BANK NA·Filed 2022·Granted Aug 13, 2024·0 cites·20 claims
- 3969US2025378295A1Systems and methods for using display-enabled transaction cardsJPMORGAN CHASE BANK NA·Filed 2025·Application pending·0 cites
- 4068US12033124B2System and method for billpay using credit-based productsJPMORGAN CHASE BANK NA·Filed 2023·Granted Jul 9, 2024·0 cites·14 claims
- 4167US11847648B2Secure digital safe deposit boxes and methods of useJPMORGAN CHASE BANK NA·Filed 2022·Granted Dec 19, 2023·0 cites·20 claims
- 4267US2023068468A1Systems and methods for conducting transactions using a surrogate pinJPMORGAN CHASE BANK NA·Filed 2022·Application pending·0 cites
- 4366US12353600B2Systems and methods for local data storageJPMORGAN CHASE BANK NA·Filed 2024·Granted Jul 8, 2025·0 cites·17 claims
- 4466US12079801B2Systems and methods for managing third party tokens and transactions across issuer ecosystemsJPMORGAN CHASE BANK NA·Filed 2023·Granted Sep 3, 2024·0 cites·7 claims
- 4566US11776012B2Systems and methods for third-party service integration in an applicationJPMORGAN CHASE BANK NA·Filed 2022·Granted Oct 3, 2023·0 cites·20 claims
- 4666US11763313B2Systems and methods for issuer-specified domain controls on a payment instrumentJPMORGAN CHASE BANK NA·Filed 2022·Granted Sep 19, 2023·0 cites·13 claims
- 4766US11652795B2Systems and methods for providing pre-emptive intercept warnings for online privacy or securityJPMORGAN CHASE BANK NA·Filed 2022·Granted May 16, 2023·0 cites·18 claims
- 4865US12463966B2Systems and methods for digital identity verificationJPMORGAN CHASE BANK NA·Filed 2022·Granted Nov 4, 2025·0 cites·6 claims
- 4965US2025005660A1Systems and methods for providing credit classification predictionsJPMORGAN CHASE BANK NA·Filed 2024·Application pending·0 cites
- 5064US12462235B2Person to business payment system and methodJPMORGAN CHASE BANK NA·Filed 2022·Granted Nov 4, 2025·0 cites·11 claims
Showing the top 50 of 97 patent records by PatentIndex Score.
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Identity basis: PatentsView inventor disambiguation (2025Q4-odp release). How scoring works →