Patents by Inventor Adrian Gore
Adrian Gore 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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Publication number: 20180211274Abstract: A system and method for measuring health-related activity from a participant. The method includes measuring a health-related activity of a participant including heart rate, active calories, and a number of steps from one or more wearable devices on the participant. Health-related activity information is displayed on a wireless handheld device to the participant. The device receives a defined health-related activity target with an associated discount to a scheduled payment owed by the participant for a good or a service. The following steps are periodically performed: i) accessing information on a scheduled payment being made for a product or service by the participant; ii) accessing data recorded by the one or more wearable sensors; iii) calculating a progress of the participant meeting the defined health-related activity target based on the data recorded and the defined health-related activity target; and iv) sending an update to the display with the progress.Type: ApplicationFiled: March 21, 2018Publication date: July 26, 2018Applicant: Destiny Health, IncInventors: Adrian Gore, Alan Pollard, Stephen Ronald Mitchley, Tal Gilbert
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Patent number: 8768732Abstract: A method of managing an insurance scheme includes defining a plurality of categories of living expenses. Defining a plurality of life changing events. On the occurrence of a life changing event for an insured person of the scheme, at least partially subsidising expenses in the category of living expenses for the insured person or a nominated beneficiary of the insured person.Type: GrantFiled: May 23, 2007Date of Patent: July 1, 2014Assignee: Discovery Holdings LimitedInventors: Adrian Gore, Herschel Phillip Mayers, Kenneth Steven Rabson
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Publication number: 20130318008Abstract: A method and system for managing a retirement income fund includes recording a starting value of a retirement investment for an investor and calculating based on the starting value a guaranteed periodic income amount that the investor will receive for the rest of their life. A selection is received from the investor of at least one investment fund and of a periodic withdrawal amount. Based on the performance of the at least one investment fund, upper and lower parameters for the periodic withdrawal amount are calculated. The guaranteed periodic income amount is recalculated whereby if the selected periodic withdrawal amount is lower than the lower parameter then the guaranteed periodic income amount is increased, if the periodic withdrawal amount is higher than the upper parameter then the guaranteed periodic income amount is decreased and if the periodic withdrawal amount is between the upper and lower parameters then the guaranteed periodic income amount is left the same.Type: ApplicationFiled: June 30, 2011Publication date: November 28, 2013Applicant: DISCOVERY LIFE LIMITEDInventors: Adrian Gore, Herschel Phillip Mayers, Kenneth Steven Rabson
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Patent number: 8554578Abstract: The method of the invention provides incentives for medical scheme members to minimize medical expenses both by responsible use of the benefits of the scheme, and also by offering positive incentives to members to adopt a healthy lifestyle and to make use of preventative procedures and pre-treatment medical advice facilities. A number of health-related facilities and/or services (such as membership of health clubs, gymnasiums or fitness programs) are offered to the medical scheme members, and the members are allocated points for using these facilities. Members are also allocated points for using predetermined preventive medical procedures and medical advice services. Rewards are allocated to members based on their points accrued, and the reward may include a payback of premium payments.Type: GrantFiled: April 30, 2008Date of Patent: October 8, 2013Assignee: Discovery Holding LimitedInventors: Ryan Lance Levin, Adrian Gore, Neville Stanley Koopowitz
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Publication number: 20130231963Abstract: An insurance plan implemented by a computer system receives an insured person's selection of an insured event and an insured amount to be paid on the occurrence of the insured event. Information is also received pertaining to an ancillary insured event and an ancillary amount to be paid on the occurrence of the ancillary insured event. Software calculates an increase in the ancillary amount to be paid on the occurrence of the ancillary insured event, the increase based on a ratio of the ancillary amount to the first insured amount. A premium is calculated using the first insured amount and the ancillary amount, and not the increase in the ancillary amount. Payment is made to the insured person if a first insured event has occurred, and is the increased ancillary payment amount if an ancillary insured event has occurred.Type: ApplicationFiled: March 1, 2013Publication date: September 5, 2013Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Adrian GORE, Herschel Phillip MAYERS
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Publication number: 20130103430Abstract: A system and method for managing an insurance scheme including receiving data relating to homeowner behaviour. The data is analysed to determine the manner in which the homeowner has behaved for a past predetermined period and the analysed data is then used to determine one or more obligations of the homeowner to the insurer. The obligations may include the amount of a premium to be paid to the insurer for the insurance and/or the amount of the excess to be paid by the homeowner in the event of a claim to the insurer.Type: ApplicationFiled: March 29, 2011Publication date: April 25, 2013Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Adrian Gore, Barry Swartzberg
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Publication number: 20130085787Abstract: A method and system for managing an insurance scheme includes receiving and storing data relating to a life insurance agreement between an insured person and a life insurer including data relating to at least one premium to be paid to the life insurer and details of the life insurers obligations to the insured person or their beneficiary on the occurrence of the insured person dying or suffering disability. Receiving data including information relating to the compliance of the insured person in a plurality of programme areas related to motor vehicle driver behaviours and storing the data in a database. Points are awarded to the insured person wherein the points awarded are related to the compliance of the insured person in the programme areas and the points awarded are then used to determine a reward for the insured person from the life insurer.Type: ApplicationFiled: April 13, 2011Publication date: April 4, 2013Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Adrian Gore, Barry Swartzberg
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Publication number: 20130085819Abstract: A method and system for managing a driver rewards programme includes receiving data including information relating to the compliance of a driver in at least one of a plurality of programme areas related to motor vehicle driver behaviours and storing the data in a database. Points are awarded to the driver wherein the points awarded are related to the compliance of the driver in the at least one programme area. Finally, the points awarded are used to determine a reward for the driver wherein the reward is a fuel related reward.Type: ApplicationFiled: April 14, 2011Publication date: April 4, 2013Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Adrian Gore, Barry Swartzberg
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Publication number: 20130085818Abstract: A method of managing a driver rewards programme includes receiving data including information relating to the compliance of a driver in one or more of a plurality of programme areas related to motor vehicle driver behaviour and storing the data in a database. Awarding points to the driver wherein the points allocated are related to the compliance of the driver in one or more of the programme areas and using the points allocated to determine a reward for the driver.Type: ApplicationFiled: April 13, 2011Publication date: April 4, 2013Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Adrian Gore, Alan Pollard
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Patent number: 8386279Abstract: A system for managing an insurance scheme includes a calculation module to, on the occurrence of an insured event for an insured person, calculate a subsidy for expenses for the insured person or a nominated beneficiary. The subsidy is calculated by accessing data defining a plurality of categories of expenses and determining for each category a spend amount. The spend amount is either an average historical spend amount over a period of time prior to the insured event or an actual spend amount for a period of time after the insured event. A percentage is then calculated using the insured person's participation with a wellness program. Finally, the amount of the subsidy is calculated by multiplying the percentage by the spend amount. A payment module effects payment of the subsidy to the insured person, the nominated beneficiary or a third party goods or services provider.Type: GrantFiled: June 3, 2009Date of Patent: February 26, 2013Assignee: Discovery Limited HoldingsInventors: Adrian Gore, Herschel Phillip Mayers, Kenneth Steven Rabson
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Patent number: 8380546Abstract: A method of managing an insurance policy includes defining a plurality of mechanisms to protect an insured person from adverse financial outcomes. A selection of at least one of the plurality of mechanism is received from the insured person and stored the selection in a memory. On the occurrence of an insured event, the stored selection is retrieved and a basic insurance amount to be paid to the insured person based on an insurance policy of the insured person is calculated. The method then includes determining based on the stored selection of mechanisms if the insured person has suffered any adverse financial outcomes since the inception of the policy and if so then calculating a further financial protector amount to be paid to the insured person based on the stored selection of mechanisms. Finally, the basic insurance amount and further financial protector amount are paid to the insured person or their nominated beneficiary.Type: GrantFiled: October 26, 2010Date of Patent: February 19, 2013Assignee: Discovery Life LimitedInventors: Kenneth Steven Rabson, Herschel Phillip Mayers, Adrian Gore
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Publication number: 20120310678Abstract: Managing an insurance plan includes receiving data relating to a life insurance policy of an insured person, the life insurance policy relating to in the event of the insured person dying, paying a predetermined amount to beneficiaries nominated in terms of the life insurance policy. Data relating to the occurrence of an insured event to the insured person is received, the insured event being an event other than dying. On the occurrence of the insured event, data is transmitted, including an instruction to pay an amount of funds to the insured person and reducing the predetermined amount to be paid to the beneficiaries nominated in the terms of the life insurance policy upon the death of the insured person, by an amount related to the amount of funds paid to the insured person for the insured event.Type: ApplicationFiled: June 1, 2012Publication date: December 6, 2012Inventors: Adrian Gore, Herschel Phillip Mayers
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Patent number: 8326655Abstract: A system for managing an insurance scheme includes a benefit module to define at least one insured event for an insured person and to define at least one benefit to be paid out on the occurrence of one of the insured events. A calculation module alters the at least one benefit based on a) a time factor; and b) the life impact of the insured event on the insured person. An awards module, on the occurrence of the at least one insured event, provides the at least one altered benefit to the insured person.Type: GrantFiled: June 3, 2009Date of Patent: December 4, 2012Assignee: Discovery Holdings LimitedInventors: Adrian Gore, Herschel Phillip Mayers, Kenneth Steven Rabson
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Patent number: 8306899Abstract: A method of managing an investment of a policyholder which corresponds to a sum assured is described. The invention has particular application to life insurance. The policyholder selects a basic sum assured, and a periodic basic premium corresponding to the basic sum assured is calculated. The basic sum assured is linked to one or more financial indices so that the value of the total sum assured increases or decreases with changes in the value of the indices. An additional premium is calculated based on the cost of the linking, and a composite periodic premium is calculated. By using derivative instruments, the policyholder's investment corresponds to the actual sum assured from inception of the policy, compared with conventional schemes which involve the periodic investment of the policyholder's contributions.Type: GrantFiled: August 7, 2001Date of Patent: November 6, 2012Assignee: Discovery Life Ltd.Inventors: Kenneth Steven Rabson, Adrian Gore, Herschel Phillip Mayers
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Publication number: 20120203711Abstract: A method and system for managing an investment on behalf of an investor includes a monitoring module to monitor the performance of an investment over a period of time, the investment being an investment managed by an investment manager on behalf of an investor. A comparator module compares the performance of the investment with the performance of other similar types of investments for the period of time and a fee performance module determines a fee refund payment to the investor in the event that the performance of the investment in the period of time falls by a predetermined level below similar funds ranked by performance. A payments module effects the extra payment from the investment manager to the investor.Type: ApplicationFiled: February 3, 2012Publication date: August 9, 2012Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Adrian Gore, Kenneth Steven Rabson, Herschel Phillip Mayers
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Publication number: 20120203710Abstract: A method and a system for managing an investment on behalf of an investor includes a monitoring module to monitor the performance of an investment over a period of time, the investment being an investment managed by an investment manager on behalf of an investor. A comparator module compares the performance of the investment with the performance of other similar types of investments for the period of time and a booster module to determine an extra payment from the investment manager to the investor in the event that the performance of the investment is not as good as the performance of the other similar types of investments for the period of time. A payments module effects the extra payment from the investment manager to the investor.Type: ApplicationFiled: February 3, 2012Publication date: August 9, 2012Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Kenneth Steven RABSON, Adrian Gore, Herschel Phillip Mayers
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Publication number: 20120203713Abstract: A system for managing an investment on behalf of an investor includes a monitoring module to monitor the performance of an investment over a predetermined period of time. A calculation module calculates an amount of tax owing based on the performance of the investment for the period of time. A payments module effects a payment to the investor wherein the payment is the amount of tax owing or a percentage of the amount of tax owing and wherein the payment is only effected if the investor does not withdraw the investment before the predetermined period of time.Type: ApplicationFiled: February 3, 2012Publication date: August 9, 2012Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Herschel Phillip MAYERS, Adrian Gore, Kenneth Steven Rabson
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Publication number: 20120185282Abstract: A method and system of managing Fog an insurance scheme includes receiving driver data including information relating to the compliance of a driver in at least one programme area related to motor vehicle driver behaviours and storing the data in a database. Wellness programme data is also received indicating the compliance of the driver with a wellness programme and stored in the database and the driver data and wellness programme data are used to determine a reward for the driver.Type: ApplicationFiled: April 14, 2011Publication date: July 19, 2012Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Adrian Gore, Barry Swartzberg
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Patent number: 8190455Abstract: A system for managing an insurance scheme, the system including a benefit module to define at least one insured event for an insured person and to define at least one benefit to be paid out on the occurrence of one of the insured events. A monitoring module monitors the compliance of the insured person with a wellness program. A calculation module alters the at least one benefit based on the degree of participation of the insured person with the wellness programme and an awards module, on the occurrence of the at least one insured event, provides the at least one altered benefit to the insured person.Type: GrantFiled: June 3, 2009Date of Patent: May 29, 2012Assignee: Discovery Holdings LimitedInventors: Adrian Gore, Herschel Phillip Mayers, Kenneth Steven Rabson
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Publication number: 20120095785Abstract: A method and system for managing an insurance scheme includes receiving claim data from an insured person, the claim data including information pertaining to the occurrence of an insured event and the amount of a claim to an insurer. The claim data is analysed to determine a total amount payable to the insured person. An amount to be paid to the insured person from a life insurance fund of the insured person is calculated and an amount to be paid to the insured person from the insurer is calculated wherein the amount paid from the life fund and the amount paid from the insurer equal the total amount payable.Type: ApplicationFiled: April 15, 2011Publication date: April 19, 2012Applicant: DISCOVERY HOLDINGS LIMITEDInventors: Adrian Gore, Barry Swartzberg