David E Cumming, Age 52Park City, UT

6470321, Oct 22, 2002

Jul 28, 2000

09/628949

David T. Cumming - Park City UT
Janice Co - Lake Forest IL

Forthcoming LLP - Park City UT

G06F 1700

705 4, 705 1

A system and method for determining an equity protection insurance policy (EPIC) for investors or shareholders to protect their equity investment in a business entity based on the happening of a fortuitous event is disclosed. The EPIC is in the form of an insurance policy or a put option, in which the shareholder pays lower premiums for the option to sell the equity interest in the entity to the issuer (e. g. , carrier) of the EPIC upon the happening of a fortuitous event, such as an EO claim. Alternatively, rather than receiving an indemnity payment or a purchase of the investment as protection, the present invention also can be formulated as a letter of credit. In this embodiment, the shareholder pays a very low premium in exchange for a letter of credit promising to lend the investor a predetermined amount that is calculated to be sufficient to re-establish an investors business or start over in the same or similar line of work.

7635008, Dec 22, 2009

Jul 18, 2006

11/458368

Dan B. Follett - Morgan UT, US
David T. Cumming - Park City UT, US
Emily B. Christopulos - Salk Lake City UT, US

Gaphog International, a Utah LLC - Salt Lake City UT

F16L 55/00

138108, 138110, 138113, 138116

A device comprising memory foam can be used for restricting fluid flow through a passageway. Such a device can include memory foam having a body defined by a first end and a second end and at least one external wall extending therebetween. The body of the expanded memory foam can have a cross-sectional profile with a shape and size to securely fit within the passageway so as to restrict fluid flow through the passageway. Additionally, the memory foam can have a receiving portion that extends from the first end to the second end that is configured for receiving an object that extends from the first end to the second end. The receiving portion can have various configurations and can include internal portions and external portions of the memory foam. The receiving portion can self-form a conduit around the object by expanding the memory foam around the object.

7650911, Jan 26, 2010

Oct 31, 2006

11/555162

Dan B. Follett - Morgan UT, US
David T. Cumming - Park City UT, US
Emily B. Christopulos - Salt Lake City UT, US

Gaphog International, a Utah LLC - Salt Lake City UT

F16L 55/00

138108, 138110, 138149

A method of restricting fluid flow through a passageway can include inserting a device comprising memory foam into the passageway. The expanded memory foam can have a cross-sectional profile with a shape and size to securely fit within the passageway so as to restrict fluid flow through the passageway. Additionally, the memory foam can have a receiving portion that extends from the first end to the second end that is configured for receiving an object that extends from the first end to the second end. The receiving portion can have various configurations and can include internal portions and external portions of the memory foam. The receiving portion can self-form a conduit around the object by expanding the memory foam around the object.

2003012, Jun 26, 2003

Oct 21, 2002

10/274367

David Cumming - Park City UT, US
Janice Co - Lake Forest IL, US

G06F017/60

705/004000

A system and method for determining an equity protection insurance policy (EPIC) for investors or shareholders to protect their equity investment in a business entity based on the happening of a fortuitous event is disclosed. The EPIC is in the form of an insurance policy or a put option, in which the shareholder pays lower premiums for the option to sell the equity interest in the entity to the issuer (e.g., carrier) of the EPIC upon the happening of a fortuitous event, such as an E&O claim. Alternatively, rather than receiving an indemnity payment or a purchase of the investment as protection, the present invention also can be formulated as a letter of credit. In this embodiment, the shareholder pays a very low premium in exchange for a letter of credit promising to lend the investor a predetermined amount that is calculated to be sufficient to re-establish an investor's business or start over in the same or similar line of work.

2008024, Oct 9, 2008

Apr 4, 2008

12/098366

Chris Sower - Holladay UT, US
David Cumming - Park City UT, US

SINGLEEDGE DEVELOPMENT, INC. - Salt Lake City UT

G06Q 30/00

705 26

The present invention extends to methods, systems, and computer program products for anonymous online matching for products and services. A listing party uploads a detailed profile (e.g., indicating goods and/or service they desire to purchase) to a matching system. The matching system, automatically and/or manually, detects a match with a potential seller. The matching system sends a redacted profile to the potential seller. The redacted profile includes product and/or service information but omits indentify information of the listing party. The seller determines if further investigation is worthwhile (e.g., purchase of the detailed profile including identify information) based on the content of the redacted profile.

2009006, Mar 5, 2009

Aug 29, 2008

12/202014

David E. Cumming - Park City UT, US

G06Q 10/00
G06Q 50/00

705 28, 705400

The methods and systems described herein encourage reductions in the production of pollutant gases by converting the individual's local efforts into a demonstration of the individual's global impact. The systems and methods enable an individual to establish a network of associated individuals. The efforts of the individuals within the network are then associated in a way that enables the individuals to see the results of their own efforts and the results of others they have influenced. Individuals in the network may be associated in a hierarchical-type structure, similar to a family-tree type structure, and some or all of the carbon savings of descendants may be attributed to the parent, grandparent, etc. Any of a variety of computational methods may be applied to reward an individual for efforts to encourage others to reduce the production of pollutant gases.