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Howard has over 30 years in the design and development of innovated systems, 15 of these years in the credit card processing industry. Howard served as the Director of Systems at Nova Information Systems where he Directed the design and development for the Eclipse Back Office System, totally automating the merchant boarding process from receipt of an application to the installation of equipment. The systems reporting services played an integral part in the process in taking the company public. As the Sr. Director of Systems at PMT Howard duplicated the achievement frm Nova. which several years later merged with Nova Information Systems to form the third largest processor of credit cards. As one of the founders of Lighthouse Software Development, Inc. Howard is the company visionary and has successfully designed an affordable Back Office System and consulting services for ISO�s and Agent Offices that may not have the necessary skills and knowledge to implement a Single Point of Entry System. The systems bring to the forefront a number of advancements to reduce cost and time in an industry where pricing is identical for all sales organizations and to provide applications to enhance the product offerings. Lighthouse Software Development also developed the standalone data entry system for Discover Network and a web application system for pharmacies to control the sales of behind the counter medications such as Ephedrine and Psudoephedrine. Before entering the credit card processing environment Howard designed and Managed the development of a printer operating system for Delphax, Inc. At Lotus Development Howard was the ISV Manager responsible for managing the technical relationships with IBM, Lexmark, HP, Intel and third party developing organizations. Howard also managed the development and upgrading of the Printer Drivers for its 123 Spreadsheet and Symphony Product Lines. While at Raytheon Data Systems Howard also manageed and lead for world wide technical support for sales and service. | 