Patents by Inventor Richard W. Stout

Richard W. Stout 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).

  • System and method for managing the amortization of a loan
    Patent number: 5878404
    Abstract: A system for managing the amortization of a loan to a debtor includes memory, a data input module, a module for tracking principal reduction and a rate adjustment option module. The memory stores data identifying a debtor, the amount of a loan to the debtor, the principal balance of the loan, a rate of interest payable on the principal balance of the loan and the term of the loan. The data input module inputs the identifying data into the memory and records information identifying the time payments received from the debtor toward payment of principal and interest on the loan. The module for tracking the reduction in the principal balance of the loan also stores in memory the principal balance in response to the time payments. The rate adjustment option module resets the rate of interest on the principal balance in response to the debtor's election and within certain qualifying conditions.
    Type: Grant
    Filed: October 8, 1996
    Date of Patent: March 2, 1999
    Assignee: Mechanics Savings Bank
    Inventors: Richard W. Stout, Jr., Edgar C. Gerwig
  • Organic-based porous microspheres for HPLC
    Patent number: 4986908
    Abstract: Porous organic microspheres for use in HPLC are formed by coacervating a colloidal silica sol in a uniform mixture of the sol and a polymerizable organic material. The silica particles which formed the sol are removed from the microspheres with ammonium bifluoride. The remaining organic microspheres are rigid, have uniform pore sizes and distribution, and do not swell or shrink in the presence of the solvents used in HPLC.
    Type: Grant
    Filed: July 31, 1989
    Date of Patent: January 22, 1991
    Assignee: E. I. du Pont de Nemours and Company
    Inventors: Richard W. Stout, Henry J. Leibu
  • Organic-based porous microspheres for HPLC
    Patent number: 4902413
    Abstract: Porous organic microspheres for use in HPLC are formed by coacervating a colloidal silica sol in a uniform mixture of the sol and a polymerizable organic material. The silica particles which formed the sol are removed from the microspheres with ammonium bifluoride. The remaining organic microspheres are rigid, have uniform pore sizes and distribution, and do not swell or shrink in the presence of the solvents used in HPLC.
    Type: Grant
    Filed: February 24, 1989
    Date of Patent: February 20, 1990
    Assignee: E. I. Du Pont De Nemours & Co.
    Inventors: Richard W. Stout, Henry J. Leibu
  • Process for porosity control and rehydroxylations of silica bodies
    Patent number: 4837195
    Abstract: The porosity of a porous silica body is increased in a controlled manner by contacting the body with an effective amount of ammonium bifluoride.
    Type: Grant
    Filed: August 4, 1988
    Date of Patent: June 6, 1989
    Assignee: E. I. Du Pont de Nemours and Company
    Inventors: Geoffrey B. Cox, Richard W. Stout
  • Metal oxide stabilized chromatography packings
    Patent number: 4600646
    Abstract: Surface-stabilized porous silica having discontinuous metal oxide layer over the silica, chromatographic packings based on the metal-stabilized silica and processes for their preparation, are provided. The chromatographic packings so provided have increased life time.
    Type: Grant
    Filed: August 15, 1984
    Date of Patent: July 15, 1986
    Assignee: E. I. Du Pont de Nemours and Company
    Inventor: Richard W. Stout