Patents by Inventor Kevin Horne
Kevin Horne 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: 10127610Abstract: Embodiments consistent with the present invention provide a credit enhancement structure for risk allocation between parties that minimizes the regulatory capital reserve requirement impact to an institution subject to capital reserve requirement. A subject pool of assets held by the institution, such as a pool of loans, is rated to determine its risk levels. Based on the rated risk levels, a guarantor party agrees to be responsible for a portion of the risk associated with the pool of assets, which may define the maximum risk exposure of the institution holding the asset pool. The risk-rated capital reserve requirements are applied to the asset pool based on the risk level rating and the guarantor's agreed upon risk responsibility such that the institution holds a reduced amount of reserve capital compared to what it would otherwise be required to hold.Type: GrantFiled: May 16, 2013Date of Patent: November 13, 2018Assignee: Federal Home Loan Mortgage Corporation (Freddie Mac)Inventors: Henry James Cassidy, David Kevin Horne, Tyler Taile Yang, John Patrick McMurray
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Publication number: 20130224424Abstract: A reinforced fabric comprising a fiber group and a mat. The fiber group includes a plurality fibers positioned substantially parallel to one another. The mat is formed of a plurality of threads that intersect one another and are connected together. The mat has an outer surface that is formed of a material having a melting point that is less than the melting point of the fibers. At least a portion of the mat is heat bonded to a plurality of the fibers to at least partially maintain the fibers in position relative to one another.Type: ApplicationFiled: August 9, 2012Publication date: August 29, 2013Applicant: Garland Industries, Inc.Inventor: LOUIS KEVIN HORNE
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Patent number: 7960299Abstract: A reinforced fabric that includes a first fiber group and a thread. The first fiber group includes a plurality of fiber sets positioned substantially parallel to one another. Each of the fiber sets includes a plurality of fibers. The thread is formed of at least one strand of material. The thread has an outer surface that is formed of a material having a melting point that is less than the melting point of the fibers in the fiber sets. The thread is stitched about the fiber sets to at least partially maintain a position of the fiber sets relative to one another. The thread forms a plurality of heat created permanent closed loop structures in the reinforced fabric. At least one of the loop structures encircles at least one fiber set. At least one of the fibers in the fibers sets is not strongly bonded to the thread that encircles the fiber set.Type: GrantFiled: November 16, 2006Date of Patent: June 14, 2011Assignee: Garland Industries, Inc.Inventor: Louis Kevin Horne
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Patent number: 7892389Abstract: A reinforced fabric that includes a first fiber group and a thread. The first fiber group includes a plurality of fiber sets positioned substantially parallel to one another. Each of the fiber sets includes a plurality of fibers. The thread is formed of at least one strand of material. The thread has an outer surface that is formed of a material having a melting point that is less than the melting point of the fibers in the fiber sets. The thread is stitched about the fiber sets to at least partially maintain a position of the fiber sets relative to one another. The thread forms a plurality of heat created permanent closed loop structures in the reinforced fabric. At least one of the loop structures encircles at least one fiber set. At least one of the fibers in the fibers sets is not strongly bonded to the thread that encircles the fiber set.Type: GrantFiled: May 4, 2010Date of Patent: February 22, 2011Assignee: Garland Industries, Inc.Inventor: Louis Kevin Horne
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Publication number: 20100212808Abstract: A reinforced fabric that includes a first fiber group and a thread. The first fiber group includes a plurality of fiber sets positioned substantially parallel to one another. Each of the fiber sets includes a plurality of fibers. The thread is formed of at least one strand of material. The thread has an outer surface that is formed of a material having a melting point that is less than the melting point of the fibers in the fiber sets. The thread is stitched about the fiber sets to at least partially maintain a position of the fiber sets relative to one another. The thread forms a plurality of heat created permanent closed loop structures in the reinforced fabric. At least one of the loop structures encircles at least one fiber set. At least one of the fibers in the fibers sets is not strongly bonded to the thread that encircles the fiber set.Type: ApplicationFiled: May 4, 2010Publication date: August 26, 2010Inventor: LOUIS KEVIN HORNE
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Patent number: 7598187Abstract: A mat useful for reinforcing composite materials is made up of at least first and second sets of fibers, the first set of fibers laid as a ply in spaced apart parallel relationship in the direction of construction and the second set laid as a ply in spaced apart parallel relationship perpendicular to the direction of construction. These fibers define interstices, into which a continuous filament is knitted to provide stability. The filament has a core portion and a sheath portion, the sheath portion having a lower melting point than the core portion. The sheath portion is thermally fusible to form a plurality of closed loops in which the respective sets of fibers are entrapped. The fibers are glass or glass rovings and the filament is a polyester, the core portion being a high-viscosity poly(ethylene terephthalate) and the sheath portion being a low-viscosity poly(ethylene terephthalate).Type: GrantFiled: April 22, 2005Date of Patent: October 6, 2009Assignee: The Garland Company, Inc.Inventors: Colin J. Hallam, Derrell M. Winowich, Louis Kevin Horne
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Publication number: 20080311353Abstract: A reinforced fabric comprising a fiber group and a mat. The fiber group includes a plurality fibers positioned substantially parallel to one another. The mat is formed of a plurality of threads that intersect one another and are connected together. The mat has an outer surface that is formed of a material having a melting point that is less than the melting point of the fibers. At least a portion of the mat is heat bonded to a plurality of the fibers to at least partially maintain the fibers in position relative to one another.Type: ApplicationFiled: June 18, 2008Publication date: December 18, 2008Inventor: Louis Kevin Horne
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Publication number: 20080166517Abstract: A reinforced fabric comprising a fiber group and a mat. The fiber group includes a plurality fibers positioned substantially parallel to one another. The mat is formed of a plurality of threads that intersect one another and are connected together. The mat has an outer surface that is formed of a material having a melting point that is less than the melting point of the fibers. At least a portion of the mat is heat bonded to a plurality of the fibers to at least partially maintain the fibers in position relative to one another.Type: ApplicationFiled: January 10, 2007Publication date: July 10, 2008Inventor: Louis Kevin Horne
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Publication number: 20070077879Abstract: The present invention relates to arrangement of devices, and, in particular doors, in the architecture of HVAC units. Where space is a consideration, having doors that are common and/or that can be used or nestled in a common operative space, reduce the need of inventory of different parts, and allow for use of smaller interior HVAC space volumes in HVAC units.Type: ApplicationFiled: September 30, 2005Publication date: April 5, 2007Applicant: Valeo Climate Control Corp.Inventors: Steven Marshall, Earl Buckman, Kevin Horne, David Newman, Robert Oliver
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Patent number: 7099843Abstract: The disclosed systems and methods for hedging risk of differential loss related to separate pools of loan investments use criteria established by the parties for hedging risk of differential loss rates. The system monitors indirect performance indicators for a Reference Pool and a Subject Pool of loans, compares the indicators, and calculates a payment due between the parties (if any) based on performance differences for the two pools and a payment formula. Any payment due is paid according to a pre-established payment cycle. The loan pools may be formed and adjusted based on various factors, such as to compensate for changes in one of the pools. The payment formula may also be adjusted to compensate for changes or differences in the loan pools. The system may hedge either party's credit loss related to the Subject Pool if its loans perform differently than the loans in the Reference Pool.Type: GrantFiled: March 14, 2002Date of Patent: August 29, 2006Assignee: Freddie Mac, The Federal Home Loan Mortgage Co.Inventors: Henry James Cassidy, David Kevin Horne, Tyler Taile Yang, John Patrick McMurray
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Publication number: 20040121685Abstract: A mat useful for reinforcing composite materials is made up of at least first and second sets of fibers, the first set of fibers laid as a ply in spaced apart parallel relationship in the direction of construction and the second set laid as a ply in spaced apart parallel relationship perpendicular to the direction of construction. These fibers define interstices, into which a continuous filament is knitted to provide stability. The filament has a core portion and a sheath portion, the sheath portion having a lower melting point than the core portion. The sheath portion is thermally fusible to form a plurality of closed loops in which the respective sets of fibers are entrapped. The fibers are glass or glass rovings and the filament is a polyester, the core portion being a high-viscosity poly(ethylene terephthalate) and the sheath portion being a low-viscosity poly(ethylene terephthalate).Type: ApplicationFiled: September 27, 2002Publication date: June 24, 2004Inventors: Colin J. Hallam, Derrell M. Winowich, Louis Kevin Horne
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Patent number: 6524980Abstract: A composite substrate (10) is prepared for reinforcing a bituminous roofing material by securing together a carrier web (12) with a first set (14) of fiberglass rovings bundles and a second set (16) of fiberglass rovings bundles. The carrier web will have a pair of opposed planar surfaces. The web will define a machine direction and a cross machine direction for the substrate, with the first and second sets of rovings bundles each positioned in parallel relationship, with the longitudinal axes defined by the individual rovings of the two sets being in non-parallel relationship to each other when viewed normal to the plane of the web. The bundle sets are maintained in the spaced apart parallel relationships and the non-parallel angular relationship by the adhesive, stitching or other conventional method of securing which holds the substrate together. If a stitching machine is used, the preferred yarn (18) would be a polyester yarn.Type: GrantFiled: October 1, 1999Date of Patent: February 25, 2003Assignee: The Garland Company, Inc.Inventors: Fred A. Fensel, Louis Kevin Horne, Derrel M. Winowich, Jr., Colin J. Hallam, David Sokol
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Patent number: 6370921Abstract: A device knits together a tubular structure of continuous fibers with a stitch yarn, to provide a reinforcing substrate, especially for use with roofing materials. The device brings together first and second sets of the continuous fibers at a cylinder with a plurality of latch needles. The first set of fibers enter the cylinder radially in interstitial spaces between adjacent needles. At least one continuous fiber constituting the second set of fibers enters the cylinder tangentially at an insertion point. Axial manipulation of the needles at the insertion point results in knitting the stitch yarn around the intersecting first and second continuous fibers, resulting in the knitted tubular structure. The manipulation is achieved by rotating the means by which the second fibers and the stitch yarn are introduced, as well as the means for manipulating the needles, in a stepwise sequential manner around the circumference of the cylinder.Type: GrantFiled: April 18, 2001Date of Patent: April 16, 2002Assignee: V2 Composite Reinforcements, Inc.Inventors: Derrell M. Winowich, Jr., Colin J. Hallam, Louis Kevin Horne