Patents by Inventor William E. Kirksey

William E. Kirksey 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).

  • Collaterally secured debt obligation and method of creating same
    Publication number: 20030028479
    Abstract: A debt obligation issued to a holder by an entity which obligation is backed by a group of property owners, each owning an individual property, where the entity obtains from each owner cross-collateralized lien and loan agreements in which the owners promise to pay his or her periodic payments to the entity and to pay, if defaults occur, each and every other owner's periodic payments. The method of creating and servicing such obligation includes use of calculating equipment. The system includes pre-organization effort to assemble a peer lending group of potential property owners and causing the entity to purchase the homes at a below-market price using temporary financing which is later consolidated in bond financing.
    Type: Application
    Filed: September 26, 2002
    Publication date: February 6, 2003
    Inventor: William E. Kirksey
  • Collaterally secured debt obligation and method of creating same
    Patent number: 6460021
    Abstract: A debt obligation issued to a holder by an entity which obligation is backed by a group of property owners, each owning an individual property, where the entity obtains from each owner cross-collateralized lien and loan agreements in which the owners promise to pay his or her periodic payments to the entity and to pay, if defaults occur, each and every other owner's periodic payments. The method of creating and servicing such obligation includes use of calculating equipment. The system includes pre-organization effort to assemble a peer lending group of potential property owners and causing the entity to purchase the homes at a below-market price using temporary financing which is later consolidated in bond financing.
    Type: Grant
    Filed: November 12, 1999
    Date of Patent: October 1, 2002
    Inventor: William E. Kirksey
  • Method of associating oral utterances meaningfully with word symbols seriatim in an audio-visual work and apparatus for linear and interactive application
    Patent number: 6273726
    Abstract: An audio-visual work and method of its creation which work has writings placed on the pictures of the work so that as each word or other utterance is heard a writing to be associated with the hearing is coordinated with seeing of the writing such that the future presentation of either the utterance or the writing shall evoke the other in the mind of the original viewer-listener. Each word will when appropriate appear in a legible perspective adjacent to the mouth of the utterer. The work can be displayed linearly or under computer control of the viewer/listener along with additional educational materials.
    Type: Grant
    Filed: May 12, 2000
    Date of Patent: August 14, 2001
    Assignee: ReadSpeak, Inc.
    Inventors: William E. Kirksey, Kyle S. Morris
  • Method of associating oral utterances meaningfully with word symbols seriatim in an audio-visual work and apparatus for linear and interactive application
    Patent number: 6062863
    Abstract: An audio-visual work and method of its creation which work has writings placed on the pictures of the work so that as each word or other utterance is heard a writing to be associated with the hearing is coordinated with seeing of the writing such that the future presentation of either the utterance or the writing shall evoke the other in the mind of the original viewer-listener. Each word will when appropriate appear in a legible perspective adjacent to the mouth of the utterer. The work can be displayed linearly or under computer control of the viewer/listener along with additional educational materials.
    Type: Grant
    Filed: April 3, 1998
    Date of Patent: May 16, 2000
    Inventors: William E. Kirksey, Kyle S. Morris
  • Method and system for making an audio-visual work with a series of visual word symbols coordinated with oral word utterances and such audio-visual work
    Patent number: 5938447
    Abstract: An audio-visual work and method of its creation which work has writings placed on the pictures of the work so that as each word or other utterance is heard a writing to be associated with the hearing is coordinated with seeing by emphasis or otherwise of the writing such that the future presentation of either the utterance or the writing shall evoke the other in the mind of the original viewer-listener. Each word will when appropriate appear in a legible perspective adjacent to the mouth of the utterer. The work can be displayed linearly or under computer control of the viewer-listener along with additional educational materials. Selected use of groups of words highlighted or not may be used.
    Type: Grant
    Filed: April 25, 1997
    Date of Patent: August 17, 1999
    Assignee: Readspeak, Inc.
    Inventor: William E. Kirksey
  • Audio-visual work with a series of visual word symbols coordinated with oral word utterances
    Patent number: 5741136
    Abstract: An audio-visual work and method of its creation which work has writings placed on the pictures of the work so that as each word or other utterance is heard a writing to be associated with the hearing is coordinated with seeing of the writing such that the future presentation of either the utterance or the writing shall evoke the other in the mind of the original viewer-listener. Each word will when appropriate appear in a legible perspective adjacent to the mouth of the utterer. The work can be displayed linearly or under computer control of the viewer/listener along with additional educational materials.
    Type: Grant
    Filed: September 22, 1994
    Date of Patent: April 21, 1998
    Assignee: Readspeak, Inc.
    Inventors: William E. Kirksey, Kyle S. Morris