System and method for portfolio management by means of DAB

The present invention relates to a system for securities portfolio management means DAB and a corresponding method, wherein which exchange data from various financial centers of a Financial Server are recorded and evaluated by expected values ​​for future Price fluctuations of individual securities are calculated. In particular relates to the present invention provides a method and system for securities portfolio management, in which the related services directly using a Transaction Server or a postpaid or prepaid methods, for example with a prepaid card, be paid.

Especially in recent years the market has worldwide an unprecedented Boom experienced. With this boom, the need for possible increased effective and current securities portfolio management, the fast one Responding to allow existing or anticipated fluctuations of the title. This is especially true for small and medium investors, as small and medium investors tend to have too small a portfolio to a meaningful to build and breitabgestütztes Risk Management. they lack Moreover, often the necessary for a risk management expertise, the necessary Market analysis and / or market knowledge. Therefore, it can for such be investors vital to stock market fluctuations with its portfolio be able to react quickly and flexibly. In the prior art can be found many systems for managing security portfolios. Here are exchange data evaluated based on algorithms to statements about future make rate fluctuations. Examples of such algorithms may, inter alia, in "The Point And Figure Method, Victor deVilliers, Windsor Books 1933" or "The Big Book of technical indicators, T. Müller and H. Nietzer, Specialist publisher of Business Information 1993 'etc. are found. Because the highly non-linear, chaotic behavior of stock prices is impossible but also with advanced prediction algorithms, volatility predict for longer periods. This is another reason which is why it is extremely important for the investor to quickly present the to respond or forecast rate fluctuations. The prior Art shows various systems, which allow a user to be manage portfolio by him fluctuations of titles in his Show portfolio. Examples show as the patents US6064985 "Automated portfolio management system with internet datafeed" and US6144947 "system for automatically deterministic mining net capital deductions for securities held, and process for Implementing same ". In all solutions of Prior art have the portfolio management systems access to Communication links such as the Internet, the PSTN (Public Switched Telephone Network) have, etc., through which not only the access to the market data servers done, but also the related benefits most can be offset.

It is an object of this invention, a novel process for securities portfolio management propose. In particular, the portfolio management for the relevant title is always the most current market data and forecasts include for price fluctuations in order to a user possible early to allow intervention.

According to the present invention, these objectives, in particular achieved by the elements of the independent claims. Further advantageous Embodiments follow moreover from the dependent claims and the description.

Specifically, the objectives are achieved through the invention in, that stock market data of various financial centers of a Financial Server are recorded and evaluated and expected values ​​for future Price fluctuations of individual securities are calculated using the exchange data of the title, whose calculated expected value of future price fluctuations outside a set fluctuation tolerance, along with relevant data from the analysis of market data of the corresponding title are grouped into portfolio management data, the Portfolio management data via a first communication channel be access controlled and transmitted unidirectionally and at least a portable, mobile receiving device of a customer, such as Mobile devices, PDAs, laptops, etc., are received, Access request data to a an identification card of a portable, mobile receiving device stored identification allocated over a second communication channel to a Conditionalaccessserver transmitted, and said access authorization data based on the Access request data from Conditionalaccessserver to the appropriate Receiving device are transmitted by means of which Access authorization data, the access-controlled portfolio management data be decrypted by the receiving device. The first Communication channel for encrypted and unidirectional dissemination Portfolio management data may include at least one broadcast transmitter. In particular, for each of the at least one broadcast station on the configure Financial Server a corresponding broadcast station profile which defines which financial markets and / or title categories for each Broadcast stations are included in the portfolio management data. Of the second communication channel may be a wireless network, such as a GSMund / or be a UMTS mobile radio network. Filtering the data exchange can with one by software and / or hardware function realized the filter module Financial happen servers and receiving and decrypting the Portfolio management data through the at least one receiving device can by also by software and / or hardware function implemented filter means of at least one receiving device happen. An advantage of this embodiment is that a user always on their mobile phone of current and / or projected Fluctuations is informed without having all this data exchange would search for relevant price movements of his title. On Another advantage is that via the broadcast channel, only the relevant Stock market data, ie the data exchange active stock with a trading signal, be transmitted. Thus, the bandwidth of the broadcast channel can be optimally be used. A further advantage is also the fact that the Conditional Access to the access-controlled broadcast data simply by the user of the mobile device identification by means of the already existing identification module of the mobile device, for example a SIM card, can be performed without it, for example, special Conditional Access Module on the part of the broadcast provider would need, as some of is the respect paid broadcast programs usual. It is additionally to be noted as an advantage that by this method all marketable title evaluated according to the same technical evaluation processes worldwide can be broadcast and broadcasting. Unlike the prior Technology is the inventive method with respect to broadcast provider, Mobile operators, stock exchanges, banks and users fully open. On Another advantage of the invention is that when a user on his terminal a certain selection has set of portfolio management data and / or a certain range, for example, multiple hits, as this information to the Financial Server and / or Transaction Server as Parameter setting can be returned. This feedback occurs when the customer a provided communications for Financial Server and / or Transaction Server performs. This enables data warehouse (DWH) Applications are created respectively by the services of the broadcast provider. of the Content providers to optimize.

In one embodiment are market data from various financial centers covered by a Financial Server and evaluated and Expectations of future price fluctuations of individual securities calculated the stock information of the title, whose calculated expected value of future price fluctuations beyond a specified tolerance variation is, together with relevant data from the analysis of market data summarized the corresponding title to portfolio management data and transmitted to at least one authorized broadcast stations , whereby the portfolio management data is encrypted and unidirectionally of the at least one broadcast stations are widespread, with receiving devices for receiving the access-controlled portfolio management data Access request data to one or more Conditionalaccessserver transmitted over a cellular network and the or Conditionalaccessserver Access authorization data based on the access request data to the respective receiving device over the wireless network transmits and the access-controlled portfolio management data from the receiving devices be received and decoded by the access authorization data. An advantage of this embodiment is that a user always has their mobile phone of current and / or forecast price fluctuations is informed without him doing all Exchange data for relevant price movements its title would browse. Another advantage is that over the broadcast channel, only the relevant market data is transmitted. Thus, the bandwidth of the broadcast channel can be used optimally. On Another advantage is also the fact that the conditional access to the access-controlled broadcast data simply by identifying the User of the mobile device by means of the existing Identification module of the mobile device, for example a SIM card, carried out can be without it, for example, special Conditional Access Modules of pages of the broadcast provider would need, as some of the Reference pay broadcast programs is common. It is additionally as be noted advantage that with this method, all marketable title evaluated according to the same technical evaluation processes worldwide can be broadcast and broadcasting. Unlike the prior Technology is the inventive method with respect to broadcast provider, Mobile operators, stock exchanges, banks and users fully open.

In one embodiment be in the securities portfolio management Billing data for settlement of the receipt of the Portfolio management data demanded service to one or more Transaction Server transmitted over the wireless network. An advantage of the embodiment is that the billing resp. offsetting the related benefits simply paid a Transaction Server to the broadcast providers can be. This is only by the combination of the mobile network possible with the Broadcasting. Perhaps more fundamentally, it is important for the novel Method as an advantage that for the respect of portfolio management data by a user a subscription with a Broadcast Provider needs, but the performance spontaneously at any broadcast transmitter can be used. In an extension of this embodiment, can the charging data are retrieved from the Transaction Server.

In a further embodiment, in the securities portfolio management for each of the at least one broadcast station on the Financial Server a corresponding broadcast transmitter configured profile, the determines which financial markets and / or title categories for each should be considered broadcast stations in the portfolio management data. This has the advantage that the broadcast seller in respect of Market data can take a well-defined power and must pay fees only accordingly. In particular, the Broadcast Provider the content of broadcast portfolio management data grouped according to their customers' needs, for example by country, sector, segment (eg Index based), options, etc.

In a further embodiment be in the securities portfolio management in a separate history module chronological data exchange for each calculated tracks up to a definable past time provided for access by means of a receiving device. this has the advantage that, if the user it appears necessary, for example to a detailed analysis, for example on the exact price development or other relevant market data to a specific title with his mobile device can access before responding with purchases or sales. As an extension the embodiment allows the user to the Financial Server, ieeg configure its own portfolio in History module and save. this has the advantage that its portfolio management data always up to date and independently of the mobile terminals.

In a further embodiment be in the securities portfolio management on various broadcast channels (for example DAB: Digital Audio Broadcasting / DVB: Digital Video Broadcasting - channels) Exchange data unidirectionally and encrypted to different broadcast stations profiles transmitted and -mehrkanalfähigen of a DAB (or DVB) receiver device receive. This has inter alia the advantage that the limited bandwidth a broadcast channel can be extended. Specifically, according to the different channels different, specific selections offered to portfolio management data relating for example to take into account Financial centers or share categories differ. The selection the relevant data can for example the EPG (Electronic Programme carried Guide) or another system manually or automatically.

In one embodiment are using configurable filter means the receiving device that are relevant to a specific portfolio Portfolio management data automatically to the DB data stream (DB: Digital Broadcasting; particular DAB: Digital Audio Broadcasting and DVB: Digital Video Broadcasting) taken and displayed and / or stored. On Advantage of this embodiment is, inter alia, that the user, the receiving device can configure according to its specific portfolio and only data displayed or stored is replaced, which are relevant to him. the Users may also be given the opportunity to put favorites in order the Conditional Access process with the access to the access-controlled DAB / DVB data when switching the receiving device automatically receiving starts. The settlement as also runs automatically in the background.

In one embodiment by means of the receiving device to manage the security portfolios based on portfolio management data bought or sold via a financial institution corresponding title. This variant has the advantage that the user, if he based on the data received via broadcast channel at the end is that values ​​should be bought or sold, he on the receiving device can react immediately and easily. There are the inventive solution the otherwise divergent areas Broadcasting, mobile communication and banking user friendly with each other linked.

In one variant corresponding portfolio management applets and / or URLs (Uniform Resource Locator) or other Addresses for loading respective portfolio management applets the receiving apparatus directly from the DB data stream of the broadcast transmitter removed. This has inter alia the advantage that such portfolio management applets or URLs as program-accompanying data together with the data stream the broadcast transmitter, for example, spread unencrypted can and the user of the receiving device simply accessing this Data obtained.

In another embodiment, the billing data at least partially periodically during and / or after access the access-controlled portfolio management data from the receiving device transmitted to the Transaction Server. This variant has the Advantage that the allocation of related to user experience eg will be charged periodically according to a determinable credit limit can.

In another embodiment, an amount of money value a data memory of the receiving device is stored, are in the Receiving device costs based on cost data, which cost amounts to for access to the access-controlled portfolio management data per set calculating unit include, determined and billing data transmitted to the transaction server, if the accumulated Cost of accessing the stored monetary value, or a whole Multiples thereof exceed and / or a predefined time window expired is. This embodiment variant has, among other things, the same advantages as the previous Variant.

In yet another embodiment, a monetary value stored in a data memory of the receiving device can be in the receiving apparatus the costs based on cost data indicative of the Cost amounts for the access to the access-controlled portfolio management data include per set calculating unit, determined and received billing data to the Transaction Server, if the accumulated Cost of accessing the stored monetary value, or a whole Multiples thereof exceed and / or a predefined time window expired is. This embodiment variant has, among other things, the same advantages as the previous Variant.

In one embodiment, a monetary value in a Data memory of the receiving device is stored, are in the receiving device the cost based on cost data, which cost amounts to for access to the access-controlled portfolio management data per set Calculating unit include, determined, and the cost of access subtracted from the stored monetary value. The said data storage for storing the monetary value can, for example, a removable, rechargeable his smart card. The smart card has as credit card format ISO 7816 or plug-in format. on. This variant has the advantage inter alia, that it is the usual in the mobile prepaid or postpaid method for clearing the performance-related uses.

In one version are access condition data cover at least the cost data associated with the portfolio management data unencrypted and unidirectional disseminated by broadcast stations. This has inter alia the advantage that the user does on the costs Inform for the purchase of portfolio management data, for example prior to their terms can.

In one embodiment include the access authorization data additional access condition data access conditions data at least the cost data include. This has inter alia the advantage that the Broadcast provider to the mentioned in the preceding embodiment variant Price agreement, further agreements on the terms of may adopt portfolio management data to the user. These agreements For example, re-use conditions (copyright, etc.) include for the portfolio management data.

At this point it should be noted that the present Invention in addition to the process of this invention also to a system for Execution of this method refers.

Hereinafter, embodiments of the present invention described by way of examples. The examples of the embodiments are illustrated by the following attached figures:<sl><li>1 shows a block diagram which schematically illustrates a system illustrated for a securities portfolio management.</li></sl>

Figure 1 illustrates an architecture for implementing the invention can be used. In this embodiment, the securities portfolio management will exchange data from various financial centers of a Financial Server 41 registered and evaluated, with expected values ​​for future price fluctuations of individual securities are calculated. The stock exchange data of the title, whose calculated expected value of future price fluctuations outside a set fluctuation tolerance, together with relevant data from the analysis of the market data of the corresponding Title be grouped into portfolio management data and a first communication channel 20 to at least one mobile, portable Receiving device 10 transmits. For this example, the Portfolio management data to at least one authorized broadcast stations 20 transmitted. The broadcast stations 20 are inventively parts of Broadcast systems which broadcast transmitters and broadcast receivers include, where digital audio, respectively video programs (Channels), and digital data, for example, data for the Execution of data services or program-accompanying data related to the respective programs (Program Associated Data, PAD) or Data generally (Non Program Associated Data, NPAD) of the Broadcast stations 20 unidirectionally spread, for example by means of terrestrial or satellite-based transmitters broadcast radio waves or via broadcast cable networks, and of appropriate Broadcast receivers are received. According to the invention comprise a Variety of receiving devices 10 each have at least one such Broadcast receiver. The broadcast systems mentioned are, for example, under the name of Digital Audio Broadcasting (DAB), respectively Digital Video Broadcasting known (DVB). The broadcast stations 20 are also the provider of the spread with the broadcast system programs and / or Data referred. The provider can also the various aspects in include their usual distinction, as the broadcast content provider (Responsible for the broadcast program), the broadcast service provider (Packaging, etc.) and the Broadcast Network Provider (Broadcasting, responsible for the Conditional Access etc.). With the programs and / or data for example, digital audio resp. Video programs (television programs), and digital data, for example data for the execution of Data services or program-accompanying data related to the relevant Programs (Program Associated Data, PAD) or data in general (Non Program Associated Data, NPAD) meant. Specifically, thus also multimedia data, for example in MPEGx (in particular MP2 / MPEG7) Standard, such as they are defined by the Moving Picture Experts Group, meant. For greater clarity, should be added here that several different broadcast providers their programs and / or data over a can spread common broadcast transmitter 20th

For each of the broadcast stations as may in the Financial Server 41 a corresponding broadcast transmitter profile to be configured, which stipulates which financial markets and / or classes of security for the respective broadcast stations 20 included in the portfolio management data. In addition to Portfolio management data from the broadcast transmitter and portfolio management applets, other exemplary software or URLs (Uniform Resource Locator) or other addresses to load portfolio management applets be transmitted or to load other software version, the Portfolio management applets for software excessive manage portfolio management data in the receiving apparatus 10, in particular to configuring the receiving device 10 according to a specific securities portfolio serve. The portfolio management data is encrypted and broadcast unidirectionally by means of the first communication channel twentieth The portfolio management applets or corresponding URLs encrypted or unencrypted via the first communication channel 20 are broadcast. As mentioned, the receiving devices 10 a corresponding receiver for the first communication channel 20, such as a broadcast receiver, provided by means of which the means of the primary communications channel 20 transmitted programs and / or Data can be received via broadcast channels such as, for example, via broadcast cable network or by means of a receiving antenna Radio waves via an air interface. It can be particularly advantageous, if the receiving devices 10 with a broadcast receiver for receiving multi-channel equipped.

The receiving devices 10 transmit to receive the access-controlled Portfolio management data access request data to a Conditionalaccessserver 30 via a second communication channel 60, as for example, a cellular network, and the Conditionalaccessserver 30 transmits Access authorization data based on the access request data to the respective receiving device 10 via the second communication channel 60th The access request data comprise eg information on accessing the desired portfolio management data such as DAB / DVB channel, broadcast providers and reference options (duration of access, maximum costs etc.). The can access authorization data such as codes for decryption (Descrambling) include. The second communication channel 60 may, for example, a GSM (Global System for Mobile communication), a UMTS (Universal Mobile Telecommunications System) or another mobile network, for example, also in combination with a fixed network, in particular the Internet or Intranet be. The communication via the second communication channel 60 example, by means of special short messages, eg SMS (Short Message Services), USSD (Unstructured Supplementary Services Data) Messages or other techniques such as MExE (Mobile Execution Environment), GPRS (Generalized Packet Radio Service), HSCSD data services (high-speed Circuit Switched Data), WAP (Wireless applicaton Protocol) or UMTS (Universal Mobile Telecommunication System) or a user channel. The mobile portable receiving device 10 may be for example a mobile radio device, and may be selected based on an identification module 11 of the receiving device 10 from 31 Conditionalaccessserver instance based on the number (MSISDN: Mobile Subscriber ISDN or IMSI: International Mobile Subscriber Identification) of Receiving apparatus 10 can be uniquely identified. The identification module 11 may, for example, as is common in the United States, an integral part of its mobile device 10 or, as commonly used in Europe, a removable Chip card such as a SIM card (Subscriber Identification Module), WIM card (WAP Identity Module) or UIM (UMTS Identity Module) or Smart card. The smart card wiest eg Kretitkarten Format ISO 7816 or plug-in format on. The assignment of the number to the identification module 11 can, for example, via a HLR (Home Location Register) carried by in the HRL IMSI (International Mobile Subscriber Identification) of a phone number as a MSISDN (Mobile Subscriber ISDN) is stored assigned. The but identification can for example also by entering a PIN (Personal Identity Number) or via a biometric ID. The access-controlled portfolio management data from the received receiving devices 10 and by means of Access authorization data decrypted. These include the receiving devices 10 for example, various filter means, preferably as programmed Software modules are executed and which are so arranged that they Portfolio management data and portfolio management applets from program-related Data (NPAD and / or PAD), which by a receiver Receiving devices 10 receive, refer and in the receiving device can save 10th The filter means may also in be designed with a user profile compound in which user profile user interests parameters are stored, so that, for example, only such portfolio management data from the receiving device 10 received and stored, the agreement a have the interest parameters stored in the user profile. In addition to the received over the first communication channel 20 can portfolio management data of the users with its receiving device 10 through the second communication channel 60, for example, even access to a History module 42 of the Financial Services 40 obtained which history module 42 detailed chronological Exchange data to each computed over a title includes definable period. The information of the History module 42 can be used by the user to be another strategic to determine procedure for the purchase or sale of securities. In Connection with its own securities portfolio, the user can the possibility of having its own portfolio on its receiving device configure 10 and / or as a separate portfolio in the Financial Server 41, or in the history module 42 to configure and save. The latter Case can therefore be advantageous, because the user's portfolio then is stored independently of the reception device 10, and also is independent of whether the receiving device 10 on or off, is always up to date. The evaluation of the personal portfolio the user can then, for example carried out by the Financial Server 41 will.

For the implementation of conditional access, that access to the desired single or multiple access-controlled data in Broadcast data stream, for example, the ETSI standard (European Telecommunications Standards Institute) defined mechanisms for access-controlled Programs and / or data (services), the so-called Conditional Access can be used. Specifically, in the above-mentioned ETSI standard Scrambling / descrambling procedures (encryption / decryption) Parameters for signaling and synchronization of Conditional Access and mechanisms for the control and distribution of authorizations (authorization data for users) through the transmission of so-called ECM messages (Entitlement Checking Messages) and EMM messages (Entitlement Management Messages) on the broadcast channels (Broadcast cable network or air interface) described. according to the ETSI standard for each of the broadcast channels transmitted via service components (With DAB these service components audio programs and / or data (services) in DVB video, television programs, and / or Data (services)), a Conditional Access Flag and / or a Conditional Access Identifier used to indicate the reception devices 10, whether the relevant Service Component Conditional Access mechanisms used or not, and if so, what kind of mechanism is used. For Service components in a controlled access mode and in the denotes this text as an access-controlled programs and / or data , the data of the relevant service component (the programs and / or relate to data can) encrypted with a control word, said Control Word changed regularly and in turn by a Session Key (Key) encrypted in the ECM messages to the receiving devices 10 is transmitted. The Conditional Access Identifier is a used for all service components of a service Access control module, the so-called Access Control System, identifies, which Access Control System as reported by the broadcast stations 20 can interpret and process the ECM and EMM messages. The for Encryption of session Control Words used Key (Key) is according to the ETSI standard in the Access Control System as a secret information stored. Session Keys (key) can in EMM messages to the Receiving devices 10 are transferred, while for transmission are themselves encrypted by a distribution key. According to the ETSI standard are in the EMM messages authorizations (authorization data) transmitted to the receiving devices 10, wherein different types are defined by permissions that correspond to different types of subscriptions: Subscriptions for a theme, a step or a class, pre-reservation with pay per program, or spontaneous payment per program per service or per time. According to the above-mentioned ETSI standards can the EMM messages to a specific, identified by a unique customer address identified customer (user), a small, through a group address unidentified group of clients (users), a large, by a collective address identified group of customers (users) or be communicated to all customers. Since the contents of the EMM messages, in particular, the permissions, not in real time to the receiving devices must be received 10, it can instead of using EMM messages also by other means, for example, stored on disk, in particular a chip card, transmitted to the receiving apparatuses 10 will. According to the ETSI standard, the customer addresses in Access are Control System (access control module) is stored and from Access Control system to the responsible for receiving EMM messages transmitted EMM reception module of the reception devices 10 so that this EMM receiving module only those EMM messages to the Access Control System forwards, containing a customer address, with one of the Access Control System obtained customer addresses match. to the unnecessarily overburdening Access Control System with messages to the Receiving devices comprise 10 hardware or software filters that only those Messages to the Access Control system forward, by the Access control system interprets and can be processed and must For example, the messages, as mentioned above, on filtered due to the customer's address and it will repeatedly transmitted messages filtered. In one embodiment therefore, a ECM / EMM mechanism be provided via the user identification IMSL / MSISDN or similar identification means from the mobile radio system used to enable conditional access withholding such that no subscriptions between broadcast providers and users are necessary. This is roaming between providers and broadcast Enables users said billed via mobile billing.

The claimed on receipt of the portfolio management data Services can for example by means of a Transaction Server 51 via the second communication channel offset 60 transmitted billing data will. The services can also, for example through Rechargeable (anonymous) chip cards in one of possibly several Karteneinführstellen the receiving device 10 is inserted, are recorded, with a corresponding monetary value from there stored monetary value is added or subtracted to this. Of the Conditionalaccessserver 31, the Financial Server 41, and the Transaction Server 51 each include a plurality of software modules and are on a common or more computers running. If two or all three of servers 31/41/41 executed on a common computer, so the data exchange between two of the Server 31/41/51 for example via a software interface. If two of the Server 31/41/51 are running on different computers, the data exchange takes place for example, between these servers via a communications network, for example a Landline, such as the telephone network public switched (PSTN: Public Switched Telephone Network), an ISDN network (Integrated Services Digital Network) or other communication link. Appropriate Communication functions are in the servers 31/41/51 in communication modules implemented, these modules by software implemented communication protocols and / or hardware components for communication include about the specified communication network. The communication modules the Financial Server 41 include also the necessary software side implemented communication protocols and / or hardware components for the communication with the broadcast transmitter 20 over a communication link, eg the above-mentioned communication network, such as a landline, etc., wherein the broadcast transmitter 20 in turn with corresponding Communication modules is provided.

Is for the first communication channel 20 is a broadcast transmitter used the broadcast station 20, a transmitter may 22, the radio (audio) and / or television programs (audiovisual program) and program-related Data, for example NPAD- (Non Program Associated Data) or PAD data (generate Program Associated Data) and the Antenna can spread 21st The transmitter 22 includes not only the signal generation electronics and also the power amplifiers or more Computer and multiple programmed software modules. The broadcast transmitter 20, respectively, the transmission system 22 is, for example, for the generation of DAB (Digital Audio Broadcasting) and / or DVB programs (Digital Video Broadcasting) designed. Standards for a DAB system for the transmission of of high quality digital audio programs and / or data services for reception by mobile, portable and fixed receivers from terrestrial or satellite-based transmitters 20 or by broadcast cable networks has been developed, for example, were from the European Telecommunications Standards Institute (ETSI), F-06921 Sophia Antipolis Cedex, France, in Standard ETS 300 401, "Radio broadcasting systems; Digital Audio Broadcasting (DAB) to mobile, portable and fixed receivers ", defined. The Broadcast station 20 may also all infrastructure components of a modern digital Broadcast Systems, such as the technical components Content acquisition and processing (content provider), the technical components for generating and providing the broadcast service management (Service Provider), the technical components of the network services (Network Provider), or the technical components of the multiplexing and switching services (MUX provider). The broadcast transmitter 20, respectively, the transmission system 22, includes inserting means 23, preferably as a programmed software module are carried out and which are arranged such that they exchange data or portfolio management data that have been transmitted from the Financial Server 41, in program-related can insert data (PAD and / or NPAD) in order for the receiving devices 10 can be received via the antenna 21 by distribute radio signals. The insertion means 23 are from the broadcast transmitter 20 used in particular to portfolio management data and portfolio management applets and / or other design software and / or URLs landing execution software and / or other addresses for landing of design software from Financial Server 41 to the receiving devices 10 to be transmitted.

The spread of broadcast stations 20 radio and / or television programs, respectively audio and / or audiovisual programs (video programs), and program-accompanying data (PAD and / or NPAD) can of the receiving devices 10 respectively by means of a receiver for Radiound / or Television programs, respectively audio and / or audiovisual programs (Video programs), and program associated data (PAD and / or NPAD) are received. The receiving devices 10, respectively, whose Recipients also include (already described in part above) access control modules, the access to access-controlled and / or paid Radio and / or television programs, respectively audio and / or audiovisual programs (video programs), and program-accompanying data (PAD and / or NPAD) rules and mechanisms for handling permissions (Entitlements) and decryption (descrambling) of so-called Conditional Access radio and / or television programs, respectively Audio and / or audiovisual programs (video programs), and include program-accompanying data (PAD and / or NPAD).

The billing data are for example at least partially periodically during and / or after the access to the access-controlled portfolio management data from the receiving device 10 to the Transaction Server 51 transmitted, which takes over the further calculation of the costs, ie for example the Costs by means of a billing module 57 on one or more account with a financial institution 56 in accordance with the cost of purchased services debited or the mobile operators will be charged 58th For example , a monetary value in a data memory of the receiving device 10 are saved and the costs based on cost data, which the cost amounts for the access to the access-controlled portfolio management data per fixed computing unit include, in the receiving device be determined by a cost accounting module. The Cost input module, for example, a programmed software module, The on a processor of the reception apparatus 10 or a chip card is executed, or by hardware realized module. In the embodiment with the chip card, the chip card, for example, a multi-functional SIM card considering the Mexe specifications (Mobile Station Application Execution Environment) to be. The billing data are eg transmitted to the transaction server, if the added up costs for the Access the stored monetary value or an integral multiple thereof exceed and / or a predefined time window has expired. In a Variant can calculated the cost by the detection module Cost of access also from the stored monetary value subtracted will. This is particularly useful for prepaid or postpaid method to offset the claimed by the user services. Of the said data memory for storing the monetary value, for example, be a removable, rechargeable smart card. The smart card For example, a generic smart card for payment transactions or may be a specific smart card, the latter for example as a so-called "Electronic Wallet" is executed, and the example for this Purpose via a second smart card receiving point to the receiving device 10 removably connected. The preferred one is the SIM card, which is used for the mobile services used. The Andes Transaction Server 51 transmitted billing data can in particular Billing records (eg electronically signed) include, similar to CDR records (Call Data Records) as so-called DUR records (DAB / DVB Usage Records). As mentioned the cost detection module is used to determine the Costs that a concerned user for the use of the payable Portfolio management data arise. determines the cost input module the cost based on cost data, which, for example, the cost amounts for the Access to the access-controlled portfolio management data per set Calculating unit include. The cost data are for example as a part of Access conditions data unencrypted and unidirectionally by the broadcast transmitter 20 broadcast, ie the access conditions data are each a relevant radio or television program or program-related be associated data (PAD and / or NPAD) and by the receiving device 10 receive. However, the access conditions data can also be assigned access authorization data and the Conditionalaccessserver 31 are transmitted to the receiving apparatus 10th In addition to the cost data can the access conditions data further conditions for access to the Portfolio management data includes, for example Conditions (Terms) Re-use conditions (copyright, discount rates, Qualifying Data) etc., which the user, for example, from access has to agree. The direct impact of the costs in the receiving device 10 may for example be carried out if the participants in the receiving device 10 is set an appropriate option. The Function of costing module can with the abovementioned access control module be coupled so that the reference and / or the execution of Portfolio management data and / or portfolio management applets only on is possible on condition that the specific cost of the example mentioned in the receiving apparatus 10 stored monetary value, for example on the removable connected to the receiving apparatus 10 does not chip card exceed. In the above-mentioned take-up point for the removable connection of smart cards with the receiving device can also be a credit card are introduced, their validity can be checked for example online, which credit card information on an account with a financial institution includes, on the cost of the related benefits are to be charged with details may be introduced, for example, in the cost documents.

The receiving devices 10 preferably include electroacoustic Playback and recording modules, on the one hand to received radio programs, respectively audio programs via loudspeakers or headphones play can be, and the other part to the receiving devices 10 To use as a fully functional compatible mobile phone. The receiving devices 10 also have input elements 12, which in particular Controls such as input keys and / or touch screen, etc. include, and a display, on the one hand, to enter data and instructions and display, on the other hand to operate the receiving device 10 and as a specific example of received television programs, respectively view audiovisual programs or video programs, and data. The input elements 12 may in particular a speech recognition module include.

The portfolio management applets, for example, after prior Confirmation by the user concerned, on a processor the receiving apparatus 10 executed. The portfolio management applets preferably carried out in a portable programming language, for example, in Java from Sun Microsystems or a similar programming, which enables portfolio management applets hardware independent example, to take on a virtual platform of the receiving device 10th The Portfolio management applets that run in the receiving devices be, may, in particular as a user interface for managing the Portfolio management data is used. The user interface may textually or be graphically designed, for example, tabular form as a graphical user interface are displayed on the display of the receiving device 10 and conventional functions such as assistance services or file services, respectively Store service, be incorporated into the user interface. About the are represented by the portfolio management applets user interface shown from the respective user by means of the above-mentioned input elements 12 instructions entered. The instructions may in particular the order to a financial institution to buy or sell securities or titles include. The orders to buy or sell securities or Titles can eg directly to one or more financial institutions on the 52/53/54 first communication channel 60 going through the Transaction Server 51 on a or more financial institutions 52/53/54 or personal portfolio management the history module 42 to one or more financial institutions 52/53/54.

It should be noted that the various modules and components the receiving apparatus 10, in particular the receiver for the Radio and / or television programs (audio and / or audiovisual programs) and program-accompanying data (PAD and / or NPAD) and the Communication module for communication over the cellular network, preferably be carried in a common housing. But there are also embodiments are possible in which individual modules and components are run in separate, interconnectable housings. The Components of the above-described receiving devices 10 can also known as laptop, palmtop computers or PDAs (Personal Digital Assistant) connectable as components or in a common Housing run. Externally, considered to the receiving devices 10 So as conventional mobile phones, radio and / or A television receiver, palmtop computers, laptop computers or PDAs appearance. Asl last should be added that the method presented here and System Although primarily intended for broadcast systems such as DAB and / or DVB , but also for all other disposable systems and internet-like systems Validity has.