Indian Patents. 268680:BROADCASTING USER-SPECIFIC INFORMATION

Title of Invention	BROADCASTING USER-SPECIFIC INFORMATION
Abstract	Described are methods and systems, including computer program products, for broadcasting user-specific information through satellite radio or digital radio. Generally, information specific to a user is correlated with an identifier associated with a receiver associated with the user, and the information is broadcast to the receiver, such that use of the information is restricted to the receiver.

Full Text	WO 2006/069230 PCT/US2005/046559 1 BROADCASTING USER-SPECIFIC INFORMATION Field of the Invention [0001] The present invention relates to broadcasting user-specific information. Background of the Invention [0002] Information has become increasingly available to the general puonc in recent years. Information that took a day or more to disseminate now is typically distributed in a matter of minutes or even seconds. As access to information increasingly contributes to productivity and efficiency gains for the economy, an increased emphasis has been placec on timely and accurate transfer of and access to this information. [0003] For many individuals, reviewing information such as financial and business information, sports and entertainment news and information, traffic and weather infoimation and other information are intrinsically part of their daily routine. In fact, timely ar d accurate receipt of information can have a dramatic impact on successful investing, efficient business operations and positive time-management. Moreover, for many individuals and businesses, information must be accessible not only when the user is in front of a computer monitor, but when he or she is traveling. Accordingly, many individuals and businesses have employed various techniques to distribute information to mobile users, such as transmitting time-sensitive information via cellular communication. [0004] Recently, however, satellite radio has become one mode of broadcasting information to mobile users. Satellite operators provide digital quality radio broadcast services covering the entire WO 2006/069230 PCT/US2005/046559 2 continental United States. Plans currently include providing these services around the globe. These satellite radio services offer many channels including music, news, sports, talk radio and other programming. Moreover, digital radio is available from conventional analog radio broadcasters that provide a terrestrial based system using signals co-located in the AM unc FM bands. Satellite radio improves terrestrial radio's potential by offering a better audio quality (digital quality), greater coverage and fewer commercials. As such, in October of 1997, the Federal Communications Commission (FCC) granted two national satellite radio broadcast licenses. The FCC allocated 25 megahertz (MHZ) of the electro-magnetic spectrum for satellite digital b roadcasting, 12.5 MHz of which are owned by Sirius Satellite Radio and 12.5 MHz of which are owned by XM Satellite Radio Inc. [0005] Satellite radio currently operates as a quasi-open communica ions network to any eligible user. That is, a channel of satellite radio is available to any user who subscribes to a particular satellite radio service. For example, a subscriber to XM Satellite Radio or Sirius Satellite Radio can listen to any programming {e.g., sports talk radio channel) offered by met respective broadcast provider. Other than general access to a various premium channels, one subscriber's ability to access specific content is no different than that of a second subscriber, Moreover, content offered by satellite radio is not customized for a particular subscriber or user. In addition, a non-subscriber to satellite radio is restricted from listening to any programming offered by the satellite broadcast • provider. Summary of the Invention [0006] The invention features systems and methods, including computer program products, for broadcasting user-specific information via radio. More specifically, the description describes WO 2006/069230 PCT/US2005/046559 3 delivering user-specific information, such as financial information, to an authorized user of a radio receiver, such as a satellite radio receiver. Aspects utilize digital radio communication to deliver user-specific content and information to the authorized user. The techniques also discriminate between satellite radio subscribers by delivering user-specific content su to only one of the many subscribers of a satellite radio service. [0007] In general, in one aspect, systems broadcast user-specific information through a network, such as a satellite radio service or a digital radio service. In addition, systems include an information provider that further includes a first server in communication with the network. The first server retrievably stores user-specific information. Systems of the present invention also include a broadcast provider (e.g., satellite or digital radio) that further includes a second server in communication with the network. The first and/or second database servers further include at least one identifier that is associated with a user or receiver (satellite or digita. radio.) The receiver is associated with the user. The receiver also is in communication with the: network, and provides an authorized user with access to the user-specific information that is broadcast by the broadcast provider. The receiver can be in communication with a second server to selectively receive the information specific to the user. In addition, the first and/or second servers can include a database server. [0008] In another aspect, methods provide for broadcasting user-spepne information. Generally, methods include receiving information specific. The informs ition is correlated with an identifier associated with a receiver associated with the user. In addition, methods include broadcasting the information to the receiver, such that use of the information is restricted to the receiver. WO 2006/069230 PCT/US2005/046559 4 [0009] In another aspect, methods include providing user-specific information from an information provider. The information provider includes a first server that is in communication with a network (such as satellite or digital radio.) In addition, the first server letrievably stores the user- specific information. The information provider also can include a server that further includes information that is associated with a specific user. [0010] In this aspect, methods correlate the user-specific information received from the information provider with a second server operated by a broadcast provider (satellite or digital radio.) The second server is in communication with the network, and can be a database server. Networks include, for example, satellite radio and digital (high-definition) radio. In general, correlating includes matching the user-specific information with an ideniifier that is associated with a receiver. The receiver can be a satellite radio receiver or a digital, high definition radio receiver. Methods also include broadcasting the user-specific information to the appropriate receiver. The identifier allows an authorized user of the receiver to access the user-ispecific information. [0011] The techniques described herein allow for a plurality of different users to receive user- specific information (i.e., customized information) on the same channel. For example, a broadcast over a single digital signal (or channel) can include a plurality of user-specific information, each of which is unique to a particular receiver or user. For example, a "FID EL ITY" channel can broadcast various digital information over a certain frequency that includes user-specific information that is uniquely associated to one of a plurality of receivers or users. As such, in information or broadcast provider can transmit user-specific information to a particular user or receiver over one broadcast channel or signal. In operation, each of a plurality of user-specific information broadcast over a digital channel can include an identifier that is associated with a particular receiver. The identifier WO 2006/069230 PCT/US2005/046559 5 allows an authorized user of the receiver to access the user-specific information. In addition, the receiver including the identifier unique to the receiver can use the information specific to the user. Likewise, the receivers not including the identifier unique to the receiver will not be able to use the information specific to the user. [0012] In some embodiments, the identifier can act as the "key" for decrypting or de- multiplexing the signal. The identifier can also be encrypted. In some embodiments, a user can input a personal identification code ('TIN" code) so that he or she can access or use the information specific to the user. Like the identifier, the PIN code can also be enciyp :ed. [0013] In some embodiments, a network includes a plurality of receivers. Each of the plurality of receivers is associated with an identifier that is unique to each of the respective plurality of receivers. In some embodiments, the receiver-specific identifier is stored at a server (e.g., database server) of the broadcast provider. The broadcast provider broadcasts user-specific information with the identifier so that only the receiver associated with the identifier is able to access the user-specific information. As such, the receiver selectively receives information specific to the user based on the identifier unique to the receiver. [0014] Also in some embodiments, the network includes at least one: web server. The web server is in communication with the network. The web server allows for accessing and distributing information, user-specific or general information via the Internet. In some embodiments, the web server also directs or disseminates information between the first and sec and database servers. The web server can act uni-directionally or bi-directionally (i.e., send and/or receive) between the first and second database servers. WO 2006/069230 PCT/US2005/046559 6 [0015] Also, some embodiments can include a third database server that functions in a manner similar to the first server (operated by the information provider.) Likewise, some embodiments include a second information provider, which itself includes a server (i.e., third server) that is in communication with a network. The third database server also retrievably stores user-specific information, and can be a database server. Furthermore, in other embodiments, a third server of an information provider contains user-specific information that is redundant to or different from the second server. In such embodiments, the third database server can be in communication with the network. Like the second server, the third server also can correlate or match user-specific information with an identifier that is associated with a receiver (e.g., a satellite or digital radio receiver.) As such, the third server can broadcast the user-specific information to the appropriate receiver. The broadcast allows an authorized user of the receiver to acce ss the user-specific information. [0016] Also, some embodiments include a third server that functions' in a manner similar to the second server (operated by the broadcast provider.) As such, multiple broadcast providers (and their respective servers) are in communication with the network. Like the second server, the third server also can correlate or match the user-specific information with an identifier that is associated with a satellite receiver, for example. Examples can include broadcasting the user-specific information to the appropriate receiver. The broadcast allows an authorized user of the receiver to access the user- specific information. [0017] As provided herein, the techniques allow for broadcasting user specific information to a receiver that is uniquely associated with an identifier. Only the appropr ate receiver will be able to access user-specific information intended to be disseminated to a particular user. User-specific WO 2006/069230 PCT/US2005/046559 7 information, can include financial information. Financial information mat is user-specific includes, among other things, a security ticker symbol, such as DELL (Dell, Inc.), MSFT (Microsoft Corporation) or GE (General Electric Company.) Financial information ilso can include the security name, such as Dell, Inc., Microsoft Corporation, or General Electric Company, thereby aiding an individual who is not able to associate a ticker symbol with the respective company. [0018] Without limitation, the security and/or the security symbol ar s not limited to stocks, but can include its derivatives (e.g., options) or other publicly or privately traded securities such as mutual funds, bonds, commodities (e.g., gold, gas or corn) or other trading vehicles (e.g., REITs and private funds). Moreover, without limitation, the types of accounts for which financial information can be disseminated include retirement accounts (e.g., IRA or 401K accounts), trading accounts (Fidelity Investment account), and other accounts that typically is monitored by a broker, for example. [0019] In addition, in some embodiments, financial information includes a security quote. For example, a satellite broadcast provider can receive a security ticker symbol and a security quote from an information provider that is to be transmitted to a user. This ini brmation can be general information or can be user-specific information (e.g., information taken directly from his or her trading account.) This information can be correlated by a broadcast provider to a particular satellite radio receiver through a unique identifier. For example, DELL $50.25 can be broadcast or transmitted to a specific XM Satellite receiver such that the authorized user who holds a position in Dell Computers can be informed of its current security quote. In some embodiments, the security quote that is broadcast can be a delayed quote (e.g., fifteen (15) minutes delayed) or, in other embodiments, the security quote can be in "real-time." WO 2006/069230 PCT/US2005/046559 8 [0020] Likewise, other financial information can include a security position or the number of shares of a security that a user currently holds {e.g., "position") in their account. Accordingly, in some embodiments, the financial information transmitted to the receiver zan include "500 shares DELL." In embodiments that are particularly advantageous for a user with a current position in a company, the financial information that is broadcast can include a market value of the security position. In other words, if a user holds 500 shares of DELL, the last trade of which was $50.25, the market value of the security position that is broadcast to the receiver {e.g., user) can include "$25,125.00". [0021] As such, in some embodiments, financial information can include a trade order, In operation, the user can operate the receiver to broadcast back to the financial information provider (e.g., Fidelity Investments) a order for "500 shares DELL" at market, for example. In some embodiments, a user can transmit a personal identification code ("PIN") to verify that the user has access to the financial account. This is particularly of interest for securi y reasons. In addition to the unique identifier attached to the user-information, a PIN code can aid in verifying the identity of the user for the financial information provider. [0022] In other embodiments, financial information can include a trade confirmation. For example, a user can request a broker (e.g., a Fidelity advisor) to trade 500 shares of DELL security if the security reached $50.25 (i. e., a "limit" order). At any time when the DELL security hits $50.25, the information provider (in this case Fidelity) can relay the inforrnaiior. to the satellite broadcast provider. The satellite broadcast provider (e.g., Sinus Satellite Radio) can correlate the user-specific information with an identifier that is unique to a particular satellite receiver. Once broadcast, the authorized user (e.g., subscriber) of the satellite receiver can review the trade confirmation on the WO 2006/069230 PCT/US2005/046559 9 display of the satellite receiver or a display located on another device. In other embodiments, the receiver can provide the information audibly to a listener. [0023] In other embodiments, financial information can include a trade recommendation from a Fidelity advisor, for example. Based upon the user (such as based upon :i pre-determined watch list of securities created by the user), recommendations can be relayed to the user through the network. Similarly, news alerts related to a certain security can be transmitted to the receiver of the authorized user. Also, an account alert can be transmitted. Various types of account alerts can be broadcast to the satellite receiver. For example, a user's account can be pre-set so the t if the account balance hits a certain level, a message is automatically forwarded to the user via the preferred network. Likewise, the brokerage company (e.g., Fidelity Investments) can broad user's receiver. In some embodiments, an account balance for a user can be broadcast periodically (or on-demand) to the receiver. Without limitation, other types of user-specific information known to those in the art can be broadcast. [0024] For any information (but of particular interest to important or time-sensitive information), the techniques enable a broadcast provider to transmit use;-specific information to a targeted user regardless of the particular signal, frequency or channel that the targeted user is then- currently receiving. For illustrative purposes, a "margin call" can be broadcast to the user (a Fidelity Investments account holder) even if the user is receiving a talk show or sports programming (a non- FIDELITY channel or signal) on his or her receiver, for example. As such, an information provider (through the broadcast provider) can "break in" to the receiver of a parti cular user regardless of the particular station or frequency the receiver is then-currently receiving. WO 2006/069230 PCT/US2005/046559 10 [0025] Examples also include the dissemination of general information to users through the network. For example, financial information can include general infomution that is not necessarily associated specifically with a user. For example, general information car. include each of the user- specific examples provided herein that may be transmitted regardless of whether the user has requested or has any interest in the particular financial quote, ticker symbol, a security price, a time of last trade, and news alert, for example. [0026] The techniques described herein also can be used in business bperations, such as a livery service, for example. In embodiments involving a livery service, an information provider can include a livery business organization. The livery business organization can include a database server that is in communication with a network (e.g., a satellite radio ser/ice.) The database server retrievably stores user-specific information. In some embodiments, the user of a livery service can include, for example, a livery driver. [0027] In such embodiments, the database server correlates the user-specific (i.e., driver- specific) information by matching the user-specific information with an identifier that is associated with a receiver, such as a satellite radio receiver. Also, these embodisne its can include broadcasting the user-specific information to the satellite radio receiver. The broadcast allows an authorized user (i. e., livery driver) of the satellite receiver to receive his or her user-spec ific information. Examples of user-specific information for a livery service includes a particular a p: ck-up location, a drop-off location, a time for the pick-up location, a passenger information and tb; like. Other information appropriate for a livery service is known to those in this business. [0028] The techniques described herein also can be used to disseminate sports information to a satellite broadcast subscriber. On-line gaming and entertainment is a. burgeoning business. When WO 2006/069230 PCT/US2005/046559 11 wagering, accurate and timely information can help a user "beat" the odds. For example, information as to an injury to a star player can allow a user to make a wager based upon then-current odds that do not take this injury into account. Accordingly, the techniques include user-specific information that includes sports information. [0029] In embodiments involving a gaming or entertainment operation, an information provider can include an on-line sports wagering business. The wagering business can include a database server that is in communication with a network (e.g., a digital radio service). The database server retrievably stores user-specific information. In some embodiments, a user of the on-line sports wagering business can include, for example, a customer. [0030] In such embodiments, the database server can correlate the user-specmc information by matching the user-specific information with an identifier that is associated with a digital radio receiver, for example. Embodiments also can involve a network that is i. satellite radio service. The embodiments can also include broadcasting the user-specific information to the appropriate type of receiver. The broadcast allows an authorized user (i.e., customer) of the receiver to receive the user- specific information. Examples of user-specific information for an on-line sports wagering service includes, for example, a sports score, a sports odd, a sports over/under odds, a player performance information, a team performance information, an account balance, an amount of a wager, and other related wagering information. Other information appropriate for an on-line sports wagering business are known to those in this business. [0031] The techniques described herein also can be used to inform t avelers of any travel advisories and other up-to-the-minute travel information that could save travelers time idling in traffic. For example, appropriate re-routing information can be disseminated to a user based upon, WO 2006/069230 PCT/US2005/046559 12 for example, the driver's past driving history. In these embodiments, an information provider can include a travel advisory organization. The travel advisory organization (such as a local television station) can include a database server that is in communication with a network. The database server is updated with current travel and traffic information which is retrievably stored along with user- specific information. [0032] In such embodiments, the database server can correlate the user-specific information by matching the user-specific information with an identifier that is associated with a receiver, such as a satellite radio receiver. Also, embodiments can include broadcasting the user-specific information to the satellite radio receiver. The broadcast allows an authorized user (i e., traveler) of the satellite receiver to receive the user-specific information. Examples of user-spec: fie information beneficial for a traveler includes traffic information such as, for example, a traffic z dvisory, a traffic accident information, a traffic routing recommendation, a weather information, or a road condition information. Other information appropriate for traffic listeners are know n to those in this business. [0033] A detailed description of certain embodiments of the invention is provided below. Other embodiments, features, aspects and advantages of the invention are apparent upon review of the detailed description and accompanying drawings that follows. Brief Description of the Drawings [0034] FIG. 1 is a block diagram of an exemplary network for broadjeasting user-specific information to a receiver. [0035] FIG. 2 is a block diagram of an exemplary satellite network for broadcasting user- specific information to a satellite radio receiver. WO 2006/069230 PCT/US2005/046559 13 [0036] FIG. 3 is a block diagram of an exemplary digital radio network for broadcasting user- specific information to a digital radio receiver. [0037] FIG. 4 is an exemplary receiver for use with a network. [0038] FIG. 5 is a block diagram of an exemplary process for broadcasting user-specific information to a satellite radio receiver. Detailed Description of the Invention [0039] FIG. 1 provides an exemplary system 100 for broadcasting ussr-specific information from an information provider 110. The system 100 includes the information provider 110, a network 115, a broadcast provider 120 and a receiver 130. In the financial services embodiment, as discussed herein, the information provider 110 can be a financial service 3 company such as Fidelity Investments. The information provider 110 transmits user-specific infor nation to a network 115, such as through a web-server. The transfer of user-specific information ;an be through any appropriate network. [0040] The user-specific information contains an identifier that is unique to the user. The identifier can include any appropriate series of numbers and/or characters, or any other means that enables the information provider 110 to tag the user-specific information to a particular user. The user-specific information then is transmitted from the network 115 to a broadcast provider 120. One example of a broadcast provider 120 is a satellite broadcast provider. XM Satellite Radio and Sirius Satellite Radio are two examples of broadcast providers 120 that digital y transmit information to targeted subscribers. However, any broadcast providers that are capablf s of digitally transmitting information while discriminating between its users can be utilized. For example, digital radio or WO 2006/069230 PCT/US2005/046559 14 other broadcast channels {e.g., AM and FM frequencies) also can be used according to the techniques discussed in more detail herein. [0041] The broadcast provider 120 correlates the user-specific inforniation tagged with the identifier to the appropriate user/receiver and then broadcasts the user-spocific information. A receiver 130 accepts the user-specific information that contains the uniquely tagged identifier and ignores all others. At the receiver 130, the user can have the option of listening to the user-specific information or having it displayed at the receiver 130 or any other appropriate console. For example, if the receiver 130 is located in an automobile, the user-specific information (in this case, financial information such as stock ticker symbol and stock quote) can be; displayed on a portion of the windshield using, for example, heads up display technology. In addition, any visual display or audio component that is capable of receiving and displaying and/or playing the user-specific information to the user can be included in the receiver 130. [0042] As discussed herein, the broadcast provider 120 can transmit la plurality of user-specific information intended for different receivers 130 (or users) over a single signal or channel. A particular user can access his or her user-specific information that is broadcast over a particular channel by an identifier that is uniquely associated with his or her receiver 130, which is tagged to the user-specific information. A receiver 130 searches for the user-specific information that contains the uniquely tagged identifier. As such, different users can havs access to different user- specific information on the same broadcast channel or signal. In other words, during a broadcast; one user's information can be different from that of another user. To reject information not meant for the user associated with the receiver 130, encryption algorithms can nclude the use of the unique WO 2006/069230 PCT/US2005/046559 15 identifier for the receiver 130. Using such a technique ensures that the receiver 130 can only decipher information meant for that specific receiver 130. [0043] The user also can transmit information from the receiver 130 ;o the broadcast provider 120. The user-specific information can be tracked and maintained securely with the unique identifier associated with the receiver 130 and the user. In another embodiment, the receiver 130 can transmit directly to the information provider 110 (e.g., using other wreless communication channels such as cellular, WLAN, Bluetooth, etc.) [0044] The user-specific information can be an order for securities (e .g., 500 shares of DELL at market price). If the broadcast provider 120 receives the order, the broadcast provider 120 can then transmit this user-specific information via the network 115, to the information provider (e.g., Fidelity Investments) 110. Once the user-specific information (e.g., ordi ;r request) is accepted by the information provider 110, the order can be executed. Accordingly, after the trade is executed, a trade confirmation (i.e., user-specific information) can be communicated to the user, via the receiver 130, through the network 115 and the broadcast provider 120, as described herein. [0045] FIG. 2 provides another exemplary system 200 for broadcast: ng user-specific financial information from a financial information provider 205. The system 200 includes the financial information provider 205, a quotes engine 210, a user database 215, a financial information provider webserver 220, a WAN 225 (e.g., the Internet), a satellite broadcast prouder 230, a satellite broadcast provider webserver 235, a subscriber database 240, a satellite 245 and a receiver 250. A network of an exemplary system 200 described herein can include the Internet, company intranet, and satellite broadcast provider's communication channels. WO 2006/069230 PCT/US2005/046559 16 [0046] In. the financial services embodiment, the financial information provider 205 can be a financial services company such as Fidelity Investments. The financial information provider 205 can transmit user-specific information intended to be sent to a particular user. In FIG. 2, quotes are transmitted from the quotes engine 210 to a user database 215. The quotes engine 210 is in communication with the user database 215, which includes an identifier tiat is unique to the financial services customer. The user database 215 is in communication with a financial information provider webserver 220. The quote (tagged with the identifier) is transmitted to the financial information provider webserver 220 securely via the Internet 225, The financial information webserver 220 also is in communication with the Internet 225. [0047] The tagged quote is securely transmitted through the Internet 225 (e.g., using 128-bit cipher strength encryption) to the satellite broadcast provider 230. More specifically, the quote tagged with the user-specific identifier is transmitted to the satellite broadcast provider webserver 235, which is in communication with the Internet 225. Once the quote is received by the satellite broadcast provider webserver 235, the quote is transmitted to the subscriber database 240. The subscriber database 240 is in communication with the satellite broadcast provider webserver 235. At the subscriber database 240, the quote (tagged with the unique identifier) is matched with the appropriate subscriber's receiver 250, [0048] The quote (tagged with the unique identifier) then is transmitted from the subscriber database 240 to a satellite 245 for broadcasting. For example, a satellite broadcast provider 230 can broadcast the quote (tagged with the unique identifier) on a FIDELITY channel or signal. As discussed herein, more than one quote can be transmitted by the satellite broadcast provider 230. For example, a satellite broadcast provider 230, which can be XM Satellite Radio and Sirius WO 2006/069230 PCT/US2005/046559 17 Satellite Radio, broadcasts the information via satellite 245 to the appropiiate receiver 250. The subscriber database 240 and the satellite 245 are in communication wi'th each other. The appropriate receiver 250 only will accept the quote (e.g., user-specific information) ii the information contains the uniquely tagged identifier. As such, different quotes can be accessed by different users or receivers 250. At the receiver 250, the user can either listen to the quote or the quote can be displayed. [0049] In another example, and as shown in FIG. 2, the user can transmit information from the receiver 250 to the financial information provider 205. In some embodir Tents, the receiver 250 can transmit the information directly to the financial information provider 205. For example, if a quote received by the user is acceptable, the user can manipulate the receiver 250 to transmit a purchase order, (e.g., 500 shares of MSFT) from the receiver 250 to the financial information provider 205. In some embodiments, a user also can transmit a personal identification code ("PIN") to verify that the user is authorized to access his or her financial account. This is particularly of interest for security purposes. In addition to the unique identifier attached to the user-information (i.e., order for 500 shares of MSFT), a PIN code can aid in verifying the identity of the user for the benefit of a financial information provider. The PIN code also can be used in the encryption algorithm (e.g., a key) to ensure only the systems with knowledge of the PIN code will be able to decipher the transmitted information. [0050] In some embodiments, the receiver 250 can transmit the purchase order to the satellite 245, which directs the purchase order to the subscriber database 240. Tie purchase order is relayed to the satellite broadcast provider webserver 235, and further relayed through the Internet 225. The satellite 245 also can bypass the subscriber database 240 and relay the purchase order (or any other WO 2006/069230 PCT/US2005/046559 18 user-specific information) directly to the satellite broadcast provider webserver 235 for transmission to the Internet 225. The purchase order can arrive at the financial informs ition provider 205, or more specifically by the financial information provider webserver 220. Thereafter, the purchase order can be relayed to the user database 215, and can be directed to a broker 260 for order execution. After the order is executed, the financial information provider 205 can relay an order execution confirmation to the receiver 250 by way of the techniques described here n. In some embodiments, the financial information provider 205 can instruct the satellite broadcast provider 230 to "break-in" to the receiver 250 by transmitting the order execution confirmation, for example, to the receiver 250 regardless of the particular station or channel that the receiver 250 is then-currently receiving. [0051] In some examples, the financial information provider 205 can have multiple channels on which the provider 205 delivers information. For example, one channel ;an be a public channel that is available (e.g., not encrypted) for all subscribers of the satellite broadcast provider 230. Another channel can be limited to subscribers of the financial information provider 205 (such as a premium Fidelity Investments channel). Here, the encryption techniques can be the same as the ones the satellite broadcast provider 230 uses to enable premium channel selection and reception. Another channel can be a channel for delivering the user-specific information. In, other examples, where bandwidth allows, these three channels can be combined into a single channel. [0052] FIG. 3 provides an exemplary network 300 for broadcasting user-specific information from a livery information provider 310 using a high-definition radio 1rar smission. The network 3 00 includes the livery information provider 310, an interface 320, a digital radio broadcast provider 330, a broadcast tower 340 and a plurality of receivers 350A, 350B and 350C. In the livery services embodiment, the livery information provider 310 can be a service company such as Boston Coach. WO 2006/069230 PCT/US2005/046559 19 The livery information provider 310 transmits user-specific information through an interface 320, such as through a web-server. As described herein, user-specific information can be, for example, a pick-up location, a drop-off location, a time for the pick-up location, passenger information, or any other information appropriate for a livery service. [0053] The user-specific information contains an identifier that is unique to the driver of a livery, for example. The user-specific information is transmitted from ths interface 320 to a digital radio broadcast provider 330. High-definition digital radio offers CD-quality sound on the FM band and brings FM stereo-quality to the AM band. For example, radio stations bundles a digital HD radio signal, which include digital binary numbers and a traditional analc g wave-form, to a broadcast tower 340. At the broadcast tower 340, the digital signal is compressed and the combined signals are broadcast over the frequency assigned to the station. In one embodiment, the traditional AM/FM receivers still get the analog signal, while those with high-defin.tion receivers decode the digital signal. One advantage of high-definition digital radio over conventional radio is that the high definition receivers can receive digital information (e.g., user mformEition) on a display, for example. [0054] The digital radio broadcast provider 330 correlates the user-s pecific information with an identifier so that the appropriate receiver has access to the information. The digital radio provider 330 can broadcast the user-specific information (appropriately tagged w ;th the unique identifier) through the broadcast tower 340. The appropriate receiver, such as one of receivers 350A, 350B or 350C, accepts the user-specific information that contains the uniquely tagged identifier. At the appropriate receiver 350A, 350B or 350C, the user can have the option of listening to the user- WO 2006/069230 PCT/US2005/046559 20 specific information or having the user-specific information displayed. Ir. some embodiments, the identifier can act as the key for decrypting or de-multiplexing the signal. [0055] Likewise, the user can also transmit information from the recever 350A, 350B, or 350C to the digital radio broadcast provider 330. The user-specific information can be tracked and maintained securely with the unique identifier associated with the receiver 350A, 350B or 350C and the user. The digital radio broadcast provider 330 can receive the user-specific information and forward the information through the interface 320 to the livery information provider 310. [0056] FIG. 4 provides an exemplary satellite receiver 400 for use in receiving and transmitting user-specific information. The satellite receiver 400 can be equipped or programmed to allow a user to transmit information from the receiver 400 back to the satellite broadc ist provider (e.g., provider 230) or to the information provider (e.g., provider 205). In this example, a satellite receiver 400 includes a housing 410, a display 420, a turn dial 430, and a plurality of buttons 440. One advantage of this embodiment of the satellite receiver 400 is that these components typically exist on many satellite receivers. As such, no special features need to be added to the physical make-up of the receiver 400 to provide functionality to the satellite receiver 400 in ordei for information to be transmitted. [0057] The following is exemplary functionality for a satellite recerv er 400 (or any other appropriate receiver, such as a digital radio receiver) that uses each of the hardware components already typically found on the device. For example, the display 420 is already designed to receive digital information that is broadcast by the satellite broadcast provider. Most receivers 400 generally have a turn dial 430 that, depending on the model, can change the frequency received by the user or adjust the audio volume of the broadcast. The turn dial 430, however can also be used to WO 2006/069230 PCT/US2005/046S59 21 go forwards or backwards through the alphabet by turning the turn dial 42 0 to the right or left. For example, taming the turn dial 430 to the right can advance a letter from A to B to C3 and so on. Manipulating the turn dial 430 can change the letter from C to B back to A, for example. Similarly, the turn dial can be used to change a numeral from 0 to 9, for example. As such, a user can transmit any alphanumeric information to the intended recipient (e.g., information provider or broadcast provider), such as, for example, a PIN code, a financial order request, a location for pick-up, a sports wager, and so on. [0058] In addition, the receiver 400 can include a plurality of buttons 440. In some embodiments, the buttons can represent pre-programmed stations. In other embodiments, two of the buttons can also be used to function like a turn dial, one button advancing through the alphabet (or number), and another button acting to go backwards through the alphabet (or number). Pressing one of the buttons can also serve to move to the next letter or number. In other embodiments, pressing one of the buttons can serve to act as a "SEND" signal to transmit the information from the receiver 400 to the broadcast provider. In some embodiments, however, the rece: ver 400 can bypass the broadcast provider and transmit the information directly to the information provider, such as a financial services company (e.g., Fidelity Investments). [0059] FIG. 5 provides an exemplary flow diagram 500 for a process of broadcasting user- specific information to a receiver, such as broadcasting financial information via a satellite broadcast provider. Generally, user-specific information is provided 510 from an: nformation provider comprising a first database server in communication with a network. The first database server retrievably stores the user-specific information. The user-specific information received from the information provider is correlated with a second database server of a satellite broadcast provider. WO 2006/069230 PCT/US2005/046559 22 The user-specific information is matched 520 with an identifier associated with a satellite receiver. The user-specific information is broadcast 530 to the satellite receiver. The broadcast allows an authorized user of said satellite receiver to access said user-specific information. [0060] The above-described systems and methods can be implemented, in whole or in part, in digital electronic circuitry, or in computer hardware, firmware, software, or in combinations of them. The implementation can be as a computer program product, i.e., a computer program tangibly embodied in an information carrier, e.g., in a machine-readable storage d ;vice or in a propagated signal, for execution by, or to control the operation of, data processing apparatus, e.g., a programmable processor, a computer, or multiple computers. A computer program can be written in any form of programming language, including compiled or interpreted languages, and it can be deployed in any form, including as a stand-alone program or as a modulo, component, subroutine, or other unit suitable for use in a computing environment. A computer projiram can be deployed to be executed on one computer or on multiple computers at one site or distributed across multiple sites ,and interconnected by a network. [0061] Method steps can be performed by one or more programrnabj e processors executing a computer program to perform functions of the invention by operating, on input data and generating output. Method steps can also be performed by, and apparatus can be implemented as, special purpose logic circuitry, e.g., an FPGA (field programmable gate array) or an ASIC (application-specific integrated circuit). Modules can refer to portions cf the computer program and/or the processor/special circuitry that implements that functionality. [0062] Processors suitable for the execution of a computer program include, by way of example, both general and special purpose microprocessors, and any one or more processors of any kind of WO 2006/069230 PCT/US2005/046559 23 digital computer. Generally, a processor will receive instructions and data from a read-only memory or a random access memory or both. The essential elements of a computer are a processor for executing instructions and one or more memory devices for storing instructions and data. Generally, a computer will also include, or be operatively coupled to receive data, from or transfer data to, or both, one or more mass storage devices for storing data, e.g., magnetic, magneto-optical disks, or optical disks. Some data transmission and instructions can also occur ov zr a network. Information carriers suitable for embodying computer program instructions and data include all forms of non- volatile memory, including by way of example semiconductor memoiy 6 evices, e.g., EPROM, EEPROM, and flash memory devices; magnetic disks, e.g., internal hard disks or removable disks; magneto-optical disks; and CD-ROM and DVD-ROM disks. The proces sor and the memory can be supplemented by, or incorporated in special purpose logic circuitry. [0063] To provide for interaction with a user, the above described techniques can be implemented on a receiver having a display device, e.g., a CRT (cathode ray tube) or LCD (liquid crystal display), for displaying information to the user. Other kinds of devices can be used to provide for interaction with a user as well; for example, feedback provided to the user can be any form of sensory feedback, e.g., visual feedback, auditory feedback, or tactile feedback; and input from the user can be received in any form, including acoustic, speech, or tactile input. [0064] The above described techniques can be implemented in a distributed computing system that includes a back-end component, e.g., as a data server, and/or a middleware component, e.g., an application server, and/or a front-end component, e.g., a client computei having a graphical user interface and/or a Web browser through which a user can interact with an example implementation, or any combination of such back-end, middleware, or front-end components. The components of WO 2006/069230 PCT/US2005/046559 24 the system can be interconnected by any form or medium of digital data communication, e.g., a communication network. Examples of networks include a local area network ("LAN") and a wide area network ("WAN"), e.g., the Internet, and include both wired and wireless networks. [0065] The computing system can include clients and servers. A client and server are generally remote from each other and typically interact through a network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. [0066] The invention has been described in terms of particular embodiments. The alternatives described herein are examples for illustration only and not to limit the alternatives in any way. The steps of the invention can be performed in a different order and still achieve desirable results. Other embodiments are within the scope of the following claims. WO 2006/069230 PCT/US2005/046559 25 Claims What is claimed is: 1. A system for broadcasting user-specific information, the systei n comprising: a network; an information provider comprising a first server in communication with said network, said first server retrievably storing information specific to a user; and, a broadcast provider comprising a second server in communication with said network, wherein said second server comprises at least one identifier associated with a receiver that is associated with the user; wherein said receiver is in communication with said second server to selectively receive said information specific to said user. 2. The system of claim 1, wherein said network comprises a satellite radio service. 3. The system of claim 2, wherein said receiver comprises a satellite radio receiver. 4. The system of claim 2, wherein said broadcast provider comp rises a satellite broadcast provider. 5. The system of claim 1, wherein said network comprises a dig tal radio, service. 6. The system of claim 1, wherein said receiver comprises a dig tal radio receiver. 7. The system of claim 1, wherein said broadcast provider comp rises a digital radio broadcast provider. 8. The system of claim 1, further comprising a plurality of receivers, wherein each of said plurality of receivers is associated with said identifier that is unique to each of said plurality of receivers. WO 2006/069230 PCT/US2005/046559 26 9. The system of claim 8, wherein said broadcast provider bro adc asts information specific to said user to said plurality of receivers. 10. The system of claim 8, wherein said receiver comprising the a1 least one identifier associated with said receiver that is associated with the user is able to use said information specific to said user. 11. The system of claim 9, wherein each of said plurality of rec eiv ers not comprising the at least one identifier associated with said receiver that is associated with the user is unable to use said information specific to said user. 12. The system of claim 1, wherein said receiver transmits inform rtion to said information provider. 13. The system of claim 1, wherein said receiver selectively recei1 res said information specific to said user based on said identifier associated with s lid receiver that is associated with the user. 14. The system of claim 1, wherein said identifier is encrypted. 15. The system of claim 1, wherein said receiver selectively reeer /es said information specific to said user based on a PIN code. 16. The system of claim 15, wherein said PIN code is encrypted. 17. The system of claim 1, wherein said broadcast provider broadcasts information over a first channel, wherein the information is available for all users. 18. The system of claim 1, wherein said broadcast provider broadcasts information over a second channel, wherein the information is available to subscribers of said second channel. WO 2006/069230 PCT/US2005/046559 27 19. The system of claim 18, wherein said broadcast provider broadcasts information specific to said user over said second channel. 20. The system of claim 1, further comprising at least one web server in communication with said network. 21. The system of claim 1, further comprising a third database server comprising a user- specific information. 22. The system of claim 1, wherein the first server or second server comprises a database server. 23. The system of claim 1, wherein said user-specific information comprises a financial information. 24. The system of claim 23, wherein said financial information comprises a security ticker, a security name, a security quote, a security position, a market value of said security position, a trade confirmation, a trade recommendation, a security news alert, an account alert, or an account balance. 25. The system of claim 1, wherein said user-specific information comprises a livery information. 26. The system of claim 25, wherein said livery information comprises a pick-up location, a drop-off location, a time for said pick-up location, or a passe iger information. 27. The system of claim 1, wherein said user-specific information comprises a sports information. 28. The system of claim 27, wherein said sports information comprises a sports score, a sports odds, a sports over/under, a player performance information, or a team performance information. WO 2006/069230 PCT/US2005/046559 28 29. The system of claim 1, wherein said user-specific information comprises a traffic information. 30. The system of claim 29, wherein said traffic information comprises a traffic advisory, a traffic accident information, a traffic routing recommendation, a weather information, or a road condition information. 31. The system of claim 1, wherein said first database server comt rises a plurality of general information. 32. The system of claim 31, wherein said general information corr prises financial information selected from the group consisting of a financial quote, a ticker symbol, a security price, a time of last trade, or a news alert. 33. A method for broadcasting user-specific information, the metl tod comprising: receiving information specific to a user; correlating said information with an identifier associated with a receiver associated with said user; and broadcasting said information to said receiver, such that use of the information is restricted to said receiver. 34. The system of claim 33, wherein said network comprises a satellite radio service. 35. The system of claim 33, wherein said receiver comprises a satellite radio receiver. 36. The system of claim 33, wherein said broadcast provider comprises a satellite broadcast provider. 37. The system of claim 33, wherein said network comprises a digital radio service. 38. The system of claim 33, wherein said receiver comprises a digital radio receiver. WO 2006/069230 PCT/US2005/046559 29 39. The system of claim 33, wherein said broadcast provider comprises a digital radio broadcast provider. 40. The method of claim 33, wherein said receiver is one of a plurality of receivers, and wherein said identifier that is unique to at least one of said plurality of receivers. 41. The method of claim 33, wherein said information provider comprises a web server in communication with said network. 42. The method of claim 33, wherein said user-specific information comprises a financial information. 43. The method of claim 42, wherein said financial information comprises a security ticker, a security name, a security quote, a security position, a market value of said security position, a trade confirmation, a trade recommendation, a security news alert, an account alert, or an account balance. 44. The method of claim 33, wherein said user-specific information comprises a livery information. 45. The method of claim 44, wherein said livery information comprises a pick-up location, a drop-off location, a time for said pick-up location, or a passenger information. 46. The method of claim 33, wherein said user-specific information comprises a sports information. 47. The method of claim 46, wherein said sports information comprises a sports score, a sports odds, a sports over/under, a player performance information, or a team performance information. 48. The method of claim 33, wherein said user-specific information comprises a traffic information. WO 2006/069230 PCT/US2005/046559 30 49. The method of claim 48, wherein said traffic information comprises a traffic advisory, a traffic accident information, a traffic routing recommendation, a weather information, or a road condition information. 50. The method of claim 33, wherein said first database server comprises a plurality of general information. 51. The method of claim 50, wherein said general information co mprises financial information selected from the group consisting of a financial quote, a ticker symbol, a security price, a time of last trade, or a news alert. 52. A computer program product, tangibly embodied in an information carrier, for broadcasting user-specific information, the computer program product including instructions being operable to cause data processing apparatus to: receive information specific to a user ; correlate said information with an identifier associated with i receiver associated with said user; and broadcast said information to said receiver, such that use of ihe information is restricted to said receiver. Described are methods and systems, including computer program products, for broadcasting user-specific information through satellite radio or digital radio. Generally, information specific to a user is correlated with an identifier associated with a receiver associated with the user, and the information is broadcast to the receiver, such that use of the information is restricted to the receiver.

Full Text

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BROADCASTING USER-SPECIFIC INFORMATION
Field of the Invention
[0001] The present invention relates to broadcasting user-specific information.
Background of the Invention
[0002] Information has become increasingly available to the general puonc in recent years.
Information that took a day or more to disseminate now is typically distributed in a matter of
minutes or even seconds. As access to information increasingly contributes to productivity and
efficiency gains for the economy, an increased emphasis has been placec on timely and accurate
transfer of and access to this information.
[0003] For many individuals, reviewing information such as financial and business information,
sports and entertainment news and information, traffic and weather infoimation and other
information are intrinsically part of their daily routine. In fact, timely ar d accurate receipt of
information can have a dramatic impact on successful investing, efficient business operations and
positive time-management. Moreover, for many individuals and businesses, information must be
accessible not only when the user is in front of a computer monitor, but when he or she is traveling.
Accordingly, many individuals and businesses have employed various techniques to distribute
information to mobile users, such as transmitting time-sensitive information via cellular
communication.
[0004] Recently, however, satellite radio has become one mode of broadcasting information to
mobile users. Satellite operators provide digital quality radio broadcast services covering the entire

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continental United States. Plans currently include providing these services around the globe. These
satellite radio services offer many channels including music, news, sports, talk radio and other
programming. Moreover, digital radio is available from conventional analog radio broadcasters that
provide a terrestrial based system using signals co-located in the AM unc FM bands. Satellite radio
improves terrestrial radio's potential by offering a better audio quality (digital quality), greater
coverage and fewer commercials. As such, in October of 1997, the Federal Communications
Commission (FCC) granted two national satellite radio broadcast licenses. The FCC allocated 25
megahertz (MHZ) of the electro-magnetic spectrum for satellite digital b roadcasting, 12.5 MHz of
which are owned by Sirius Satellite Radio and 12.5 MHz of which are owned by XM Satellite Radio
Inc.
[0005] Satellite radio currently operates as a quasi-open communica ions network to any eligible
user. That is, a channel of satellite radio is available to any user who subscribes to a particular
satellite radio service. For example, a subscriber to XM Satellite Radio or Sirius Satellite Radio can
listen to any programming {e.g., sports talk radio channel) offered by met respective broadcast
provider. Other than general access to a various premium channels, one subscriber's ability to
access specific content is no different than that of a second subscriber, Moreover, content offered by
satellite radio is not customized for a particular subscriber or user. In addition, a non-subscriber to
satellite radio is restricted from listening to any programming offered by the satellite broadcast
• provider.
Summary of the Invention
[0006] The invention features systems and methods, including computer program products, for
broadcasting user-specific information via radio. More specifically, the description describes

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delivering user-specific information, such as financial information, to an authorized user of a radio
receiver, such as a satellite radio receiver. Aspects utilize digital radio communication to deliver
user-specific content and information to the authorized user. The techniques also discriminate
between satellite radio subscribers by delivering user-specific content su to only one of the many subscribers of a satellite radio service.
[0007] In general, in one aspect, systems broadcast user-specific information through a network,
such as a satellite radio service or a digital radio service. In addition, systems include an
information provider that further includes a first server in communication with the network. The
first server retrievably stores user-specific information. Systems of the present invention also
include a broadcast provider (e.g., satellite or digital radio) that further includes a second server in
communication with the network. The first and/or second database servers further include at least
one identifier that is associated with a user or receiver (satellite or digita. radio.) The receiver is
associated with the user. The receiver also is in communication with the: network, and provides an
authorized user with access to the user-specific information that is broadcast by the broadcast
provider. The receiver can be in communication with a second server to selectively receive the
information specific to the user. In addition, the first and/or second servers can include a database
server.
[0008] In another aspect, methods provide for broadcasting user-spepne information.
Generally, methods include receiving information specific. The informs ition is correlated with an
identifier associated with a receiver associated with the user. In addition, methods include
broadcasting the information to the receiver, such that use of the information is restricted to the
receiver.

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[0009] In another aspect, methods include providing user-specific information from an
information provider. The information provider includes a first server that is in communication with
a network (such as satellite or digital radio.) In addition, the first server letrievably stores the user-
specific information. The information provider also can include a server that further includes
information that is associated with a specific user.
[0010] In this aspect, methods correlate the user-specific information received from the
information provider with a second server operated by a broadcast provider (satellite or digital
radio.) The second server is in communication with the network, and can be a database server.
Networks include, for example, satellite radio and digital (high-definition) radio. In general,
correlating includes matching the user-specific information with an ideniifier that is associated with
a receiver. The receiver can be a satellite radio receiver or a digital, high definition radio receiver.
Methods also include broadcasting the user-specific information to the appropriate receiver. The
identifier allows an authorized user of the receiver to access the user-ispecific information.
[0011] The techniques described herein allow for a plurality of different users to receive user-
specific information (i.e., customized information) on the same channel. For example, a broadcast
over a single digital signal (or channel) can include a plurality of user-specific information, each of
which is unique to a particular receiver or user. For example, a "FID EL ITY" channel can broadcast
various digital information over a certain frequency that includes user-specific information that is
uniquely associated to one of a plurality of receivers or users. As such, in information or broadcast
provider can transmit user-specific information to a particular user or receiver over one broadcast
channel or signal. In operation, each of a plurality of user-specific information broadcast over a
digital channel can include an identifier that is associated with a particular receiver. The identifier

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allows an authorized user of the receiver to access the user-specific information. In addition, the
receiver including the identifier unique to the receiver can use the information specific to the user.
Likewise, the receivers not including the identifier unique to the receiver will not be able to use the
information specific to the user.
[0012] In some embodiments, the identifier can act as the "key" for decrypting or de-
multiplexing the signal. The identifier can also be encrypted. In some embodiments, a user can
input a personal identification code ('TIN" code) so that he or she can access or use the information
specific to the user. Like the identifier, the PIN code can also be enciyp :ed.
[0013] In some embodiments, a network includes a plurality of receivers. Each of the plurality
of receivers is associated with an identifier that is unique to each of the respective plurality of
receivers. In some embodiments, the receiver-specific identifier is stored at a server (e.g., database
server) of the broadcast provider. The broadcast provider broadcasts user-specific information with
the identifier so that only the receiver associated with the identifier is able to access the user-specific
information. As such, the receiver selectively receives information specific to the user based on the
identifier unique to the receiver.
[0014] Also in some embodiments, the network includes at least one: web server. The web
server is in communication with the network. The web server allows for accessing and distributing
information, user-specific or general information via the Internet. In some embodiments, the web
server also directs or disseminates information between the first and sec and database servers. The
web server can act uni-directionally or bi-directionally (i.e., send and/or receive) between the first
and second database servers.

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[0015] Also, some embodiments can include a third database server that functions in a manner
similar to the first server (operated by the information provider.) Likewise, some embodiments
include a second information provider, which itself includes a server (i.e., third server) that is in
communication with a network. The third database server also retrievably stores user-specific
information, and can be a database server. Furthermore, in other embodiments, a third server of an
information provider contains user-specific information that is redundant to or different from the
second server. In such embodiments, the third database server can be in communication with the
network. Like the second server, the third server also can correlate or match user-specific
information with an identifier that is associated with a receiver (e.g., a satellite or digital radio
receiver.) As such, the third server can broadcast the user-specific information to the appropriate
receiver. The broadcast allows an authorized user of the receiver to acce ss the user-specific
information.
[0016] Also, some embodiments include a third server that functions' in a manner similar to the
second server (operated by the broadcast provider.) As such, multiple broadcast providers (and their
respective servers) are in communication with the network. Like the second server, the third server
also can correlate or match the user-specific information with an identifier that is associated with a
satellite receiver, for example. Examples can include broadcasting the user-specific information to
the appropriate receiver. The broadcast allows an authorized user of the receiver to access the user-
specific information.
[0017] As provided herein, the techniques allow for broadcasting user specific information to a
receiver that is uniquely associated with an identifier. Only the appropr ate receiver will be able to
access user-specific information intended to be disseminated to a particular user. User-specific

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information, can include financial information. Financial information mat is user-specific includes,
among other things, a security ticker symbol, such as DELL (Dell, Inc.), MSFT (Microsoft
Corporation) or GE (General Electric Company.) Financial information ilso can include the
security name, such as Dell, Inc., Microsoft Corporation, or General Electric Company, thereby
aiding an individual who is not able to associate a ticker symbol with the respective company.
[0018] Without limitation, the security and/or the security symbol ar s not limited to stocks, but
can include its derivatives (e.g., options) or other publicly or privately traded securities such as
mutual funds, bonds, commodities (e.g., gold, gas or corn) or other trading vehicles (e.g., REITs and
private funds). Moreover, without limitation, the types of accounts for which financial information
can be disseminated include retirement accounts (e.g., IRA or 401K accounts), trading accounts
(Fidelity Investment account), and other accounts that typically is monitored by a broker, for
example.
[0019] In addition, in some embodiments, financial information includes a security quote. For
example, a satellite broadcast provider can receive a security ticker symbol and a security quote
from an information provider that is to be transmitted to a user. This ini brmation can be general
information or can be user-specific information (e.g., information taken directly from his or her
trading account.) This information can be correlated by a broadcast provider to a particular satellite
radio receiver through a unique identifier. For example, DELL $50.25 can be broadcast or
transmitted to a specific XM Satellite receiver such that the authorized user who holds a position in
Dell Computers can be informed of its current security quote. In some embodiments, the security
quote that is broadcast can be a delayed quote (e.g., fifteen (15) minutes delayed) or, in other
embodiments, the security quote can be in "real-time."

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[0020] Likewise, other financial information can include a security position or the number of
shares of a security that a user currently holds {e.g., "position") in their account. Accordingly, in
some embodiments, the financial information transmitted to the receiver zan include "500 shares
DELL." In embodiments that are particularly advantageous for a user with a current position in a
company, the financial information that is broadcast can include a market value of the security
position. In other words, if a user holds 500 shares of DELL, the last trade of which was $50.25, the
market value of the security position that is broadcast to the receiver {e.g., user) can include
"$25,125.00".
[0021] As such, in some embodiments, financial information can include a trade order, In
operation, the user can operate the receiver to broadcast back to the financial information provider
(e.g., Fidelity Investments) a order for "500 shares DELL" at market, for example. In some
embodiments, a user can transmit a personal identification code ("PIN") to verify that the user has
access to the financial account. This is particularly of interest for securi y reasons. In addition to
the unique identifier attached to the user-information, a PIN code can aid in verifying the identity of
the user for the financial information provider.
[0022] In other embodiments, financial information can include a trade confirmation. For
example, a user can request a broker (e.g., a Fidelity advisor) to trade 500 shares of DELL security if
the security reached $50.25 (i. e., a "limit" order). At any time when the DELL security hits $50.25,
the information provider (in this case Fidelity) can relay the inforrnaiior. to the satellite broadcast
provider. The satellite broadcast provider (e.g., Sinus Satellite Radio) can correlate the user-specific
information with an identifier that is unique to a particular satellite receiver. Once broadcast, the
authorized user (e.g., subscriber) of the satellite receiver can review the trade confirmation on the

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display of the satellite receiver or a display located on another device. In other embodiments, the
receiver can provide the information audibly to a listener.
[0023] In other embodiments, financial information can include a trade recommendation from a
Fidelity advisor, for example. Based upon the user (such as based upon :i pre-determined watch list
of securities created by the user), recommendations can be relayed to the user through the network.
Similarly, news alerts related to a certain security can be transmitted to the receiver of the authorized
user. Also, an account alert can be transmitted. Various types of account alerts can be broadcast to
the satellite receiver. For example, a user's account can be pre-set so the t if the account balance hits
a certain level, a message is automatically forwarded to the user via the preferred network.
Likewise, the brokerage company (e.g., Fidelity Investments) can broad user's receiver. In some embodiments, an account balance for a user can be broadcast periodically
(or on-demand) to the receiver. Without limitation, other types of user-specific information known
to those in the art can be broadcast.
[0024] For any information (but of particular interest to important or time-sensitive
information), the techniques enable a broadcast provider to transmit use;-specific information to a
targeted user regardless of the particular signal, frequency or channel that the targeted user is then-
currently receiving. For illustrative purposes, a "margin call" can be broadcast to the user (a Fidelity
Investments account holder) even if the user is receiving a talk show or sports programming (a non-
FIDELITY channel or signal) on his or her receiver, for example. As such, an information provider
(through the broadcast provider) can "break in" to the receiver of a parti cular user regardless of the
particular station or frequency the receiver is then-currently receiving.

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[0025] Examples also include the dissemination of general information to users through the
network. For example, financial information can include general infomution that is not necessarily
associated specifically with a user. For example, general information car. include each of the user-
specific examples provided herein that may be transmitted regardless of whether the user has
requested or has any interest in the particular financial quote, ticker symbol, a security price, a time
of last trade, and news alert, for example.
[0026] The techniques described herein also can be used in business bperations, such as a livery
service, for example. In embodiments involving a livery service, an information provider can
include a livery business organization. The livery business organization can include a database
server that is in communication with a network (e.g., a satellite radio ser/ice.) The database server
retrievably stores user-specific information. In some embodiments, the user of a livery service can
include, for example, a livery driver.
[0027] In such embodiments, the database server correlates the user-specific (i.e., driver-
specific) information by matching the user-specific information with an identifier that is associated
with a receiver, such as a satellite radio receiver. Also, these embodisne its can include broadcasting
the user-specific information to the satellite radio receiver. The broadcast allows an authorized user
(i. e., livery driver) of the satellite receiver to receive his or her user-spec ific information. Examples
of user-specific information for a livery service includes a particular a p: ck-up location, a drop-off
location, a time for the pick-up location, a passenger information and tb; like. Other information
appropriate for a livery service is known to those in this business.
[0028] The techniques described herein also can be used to disseminate sports information to a
satellite broadcast subscriber. On-line gaming and entertainment is a. burgeoning business. When

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wagering, accurate and timely information can help a user "beat" the odds. For example,
information as to an injury to a star player can allow a user to make a wager based upon then-current
odds that do not take this injury into account. Accordingly, the techniques include user-specific
information that includes sports information.
[0029] In embodiments involving a gaming or entertainment operation, an information provider
can include an on-line sports wagering business. The wagering business can include a database
server that is in communication with a network (e.g., a digital radio service). The database server
retrievably stores user-specific information. In some embodiments, a user of the on-line sports
wagering business can include, for example, a customer.
[0030] In such embodiments, the database server can correlate the user-specmc information by
matching the user-specific information with an identifier that is associated with a digital radio
receiver, for example. Embodiments also can involve a network that is i. satellite radio service. The
embodiments can also include broadcasting the user-specific information to the appropriate type of
receiver. The broadcast allows an authorized user (i.e., customer) of the receiver to receive the user-
specific information. Examples of user-specific information for an on-line sports wagering service
includes, for example, a sports score, a sports odd, a sports over/under odds, a player performance
information, a team performance information, an account balance, an amount of a wager, and other
related wagering information. Other information appropriate for an on-line sports wagering
business are known to those in this business.
[0031] The techniques described herein also can be used to inform t avelers of any travel
advisories and other up-to-the-minute travel information that could save travelers time idling in
traffic. For example, appropriate re-routing information can be disseminated to a user based upon,

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for example, the driver's past driving history. In these embodiments, an information provider can
include a travel advisory organization. The travel advisory organization (such as a local television
station) can include a database server that is in communication with a network. The database server
is updated with current travel and traffic information which is retrievably stored along with user-
specific information.
[0032] In such embodiments, the database server can correlate the user-specific information by
matching the user-specific information with an identifier that is associated with a receiver, such as a
satellite radio receiver. Also, embodiments can include broadcasting the user-specific information
to the satellite radio receiver. The broadcast allows an authorized user (i e., traveler) of the satellite
receiver to receive the user-specific information. Examples of user-spec: fie information beneficial
for a traveler includes traffic information such as, for example, a traffic z dvisory, a traffic accident
information, a traffic routing recommendation, a weather information, or a road condition
information. Other information appropriate for traffic listeners are know n to those in this business.
[0033] A detailed description of certain embodiments of the invention is provided below. Other
embodiments, features, aspects and advantages of the invention are apparent upon review of the
detailed description and accompanying drawings that follows.
Brief Description of the Drawings
[0034] FIG. 1 is a block diagram of an exemplary network for broadjeasting user-specific
information to a receiver.
[0035] FIG. 2 is a block diagram of an exemplary satellite network for broadcasting user-
specific information to a satellite radio receiver.

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[0036] FIG. 3 is a block diagram of an exemplary digital radio network for broadcasting user-
specific information to a digital radio receiver.
[0037] FIG. 4 is an exemplary receiver for use with a network.
[0038] FIG. 5 is a block diagram of an exemplary process for broadcasting user-specific
information to a satellite radio receiver.
Detailed Description of the Invention
[0039] FIG. 1 provides an exemplary system 100 for broadcasting ussr-specific information
from an information provider 110. The system 100 includes the information provider 110, a
network 115, a broadcast provider 120 and a receiver 130. In the financial services embodiment, as
discussed herein, the information provider 110 can be a financial service 3 company such as Fidelity
Investments. The information provider 110 transmits user-specific infor nation to a network 115,
such as through a web-server. The transfer of user-specific information ;an be through any
appropriate network.
[0040] The user-specific information contains an identifier that is unique to the user. The
identifier can include any appropriate series of numbers and/or characters, or any other means that
enables the information provider 110 to tag the user-specific information to a particular user. The
user-specific information then is transmitted from the network 115 to a broadcast provider 120. One
example of a broadcast provider 120 is a satellite broadcast provider. XM Satellite Radio and Sirius
Satellite Radio are two examples of broadcast providers 120 that digital y transmit information to
targeted subscribers. However, any broadcast providers that are capablf s of digitally transmitting
information while discriminating between its users can be utilized. For example, digital radio or

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other broadcast channels {e.g., AM and FM frequencies) also can be used according to the
techniques discussed in more detail herein.
[0041] The broadcast provider 120 correlates the user-specific inforniation tagged with the
identifier to the appropriate user/receiver and then broadcasts the user-spocific information. A
receiver 130 accepts the user-specific information that contains the uniquely tagged identifier and
ignores all others. At the receiver 130, the user can have the option of listening to the user-specific
information or having it displayed at the receiver 130 or any other appropriate console. For
example, if the receiver 130 is located in an automobile, the user-specific information (in this case,
financial information such as stock ticker symbol and stock quote) can be; displayed on a portion of
the windshield using, for example, heads up display technology. In addition, any visual display or
audio component that is capable of receiving and displaying and/or playing the user-specific
information to the user can be included in the receiver 130.
[0042] As discussed herein, the broadcast provider 120 can transmit la plurality of user-specific
information intended for different receivers 130 (or users) over a single signal or channel. A
particular user can access his or her user-specific information that is broadcast over a particular
channel by an identifier that is uniquely associated with his or her receiver 130, which is tagged to
the user-specific information. A receiver 130 searches for the user-specific information that
contains the uniquely tagged identifier. As such, different users can havs access to different user-
specific information on the same broadcast channel or signal. In other words, during a broadcast;
one user's information can be different from that of another user. To reject information not meant
for the user associated with the receiver 130, encryption algorithms can nclude the use of the unique

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identifier for the receiver 130. Using such a technique ensures that the receiver 130 can only
decipher information meant for that specific receiver 130.
[0043] The user also can transmit information from the receiver 130 ;o the broadcast provider
120. The user-specific information can be tracked and maintained securely with the unique
identifier associated with the receiver 130 and the user. In another embodiment, the receiver 130
can transmit directly to the information provider 110 (e.g., using other wreless communication
channels such as cellular, WLAN, Bluetooth, etc.)
[0044] The user-specific information can be an order for securities (e .g., 500 shares of DELL at
market price). If the broadcast provider 120 receives the order, the broadcast provider 120 can then
transmit this user-specific information via the network 115, to the information provider (e.g.,
Fidelity Investments) 110. Once the user-specific information (e.g., ordi ;r request) is accepted by
the information provider 110, the order can be executed. Accordingly, after the trade is executed, a
trade confirmation (i.e., user-specific information) can be communicated to the user, via the receiver
130, through the network 115 and the broadcast provider 120, as described herein.
[0045] FIG. 2 provides another exemplary system 200 for broadcast: ng user-specific financial
information from a financial information provider 205. The system 200 includes the financial
information provider 205, a quotes engine 210, a user database 215, a financial information provider
webserver 220, a WAN 225 (e.g., the Internet), a satellite broadcast prouder 230, a satellite
broadcast provider webserver 235, a subscriber database 240, a satellite 245 and a receiver 250. A
network of an exemplary system 200 described herein can include the Internet, company intranet,
and satellite broadcast provider's communication channels.

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[0046] In. the financial services embodiment, the financial information provider 205 can be a
financial services company such as Fidelity Investments. The financial information provider 205
can transmit user-specific information intended to be sent to a particular user. In FIG. 2, quotes are
transmitted from the quotes engine 210 to a user database 215. The quotes engine 210 is in
communication with the user database 215, which includes an identifier tiat is unique to the
financial services customer. The user database 215 is in communication with a financial
information provider webserver 220. The quote (tagged with the identifier) is transmitted to the
financial information provider webserver 220 securely via the Internet 225, The financial
information webserver 220 also is in communication with the Internet 225.
[0047] The tagged quote is securely transmitted through the Internet 225 (e.g., using 128-bit
cipher strength encryption) to the satellite broadcast provider 230. More specifically, the quote
tagged with the user-specific identifier is transmitted to the satellite broadcast provider webserver
235, which is in communication with the Internet 225. Once the quote is received by the satellite
broadcast provider webserver 235, the quote is transmitted to the subscriber database 240. The
subscriber database 240 is in communication with the satellite broadcast provider webserver 235.
At the subscriber database 240, the quote (tagged with the unique identifier) is matched with the
appropriate subscriber's receiver 250,
[0048] The quote (tagged with the unique identifier) then is transmitted from the subscriber
database 240 to a satellite 245 for broadcasting. For example, a satellite broadcast provider 230 can
broadcast the quote (tagged with the unique identifier) on a FIDELITY channel or signal. As
discussed herein, more than one quote can be transmitted by the satellite broadcast provider 230.
For example, a satellite broadcast provider 230, which can be XM Satellite Radio and Sirius

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Satellite Radio, broadcasts the information via satellite 245 to the appropiiate receiver 250. The
subscriber database 240 and the satellite 245 are in communication wi'th each other. The appropriate
receiver 250 only will accept the quote (e.g., user-specific information) ii the information contains
the uniquely tagged identifier. As such, different quotes can be accessed by different users or
receivers 250. At the receiver 250, the user can either listen to the quote or the quote can be
displayed.
[0049] In another example, and as shown in FIG. 2, the user can transmit information from the
receiver 250 to the financial information provider 205. In some embodir Tents, the receiver 250 can
transmit the information directly to the financial information provider 205. For example, if a quote
received by the user is acceptable, the user can manipulate the receiver 250 to transmit a purchase
order, (e.g., 500 shares of MSFT) from the receiver 250 to the financial information provider 205.
In some embodiments, a user also can transmit a personal identification code ("PIN") to verify that
the user is authorized to access his or her financial account. This is particularly of interest for
security purposes. In addition to the unique identifier attached to the user-information (i.e., order for
500 shares of MSFT), a PIN code can aid in verifying the identity of the user for the benefit of a
financial information provider. The PIN code also can be used in the encryption algorithm (e.g., a
key) to ensure only the systems with knowledge of the PIN code will be able to decipher the
transmitted information.
[0050] In some embodiments, the receiver 250 can transmit the purchase order to the satellite
245, which directs the purchase order to the subscriber database 240. Tie purchase order is relayed
to the satellite broadcast provider webserver 235, and further relayed through the Internet 225. The
satellite 245 also can bypass the subscriber database 240 and relay the purchase order (or any other

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user-specific information) directly to the satellite broadcast provider webserver 235 for transmission
to the Internet 225. The purchase order can arrive at the financial informs ition provider 205, or more
specifically by the financial information provider webserver 220. Thereafter, the purchase order can
be relayed to the user database 215, and can be directed to a broker 260 for order execution. After
the order is executed, the financial information provider 205 can relay an order execution
confirmation to the receiver 250 by way of the techniques described here n. In some embodiments,
the financial information provider 205 can instruct the satellite broadcast provider 230 to "break-in"
to the receiver 250 by transmitting the order execution confirmation, for example, to the receiver
250 regardless of the particular station or channel that the receiver 250 is then-currently receiving.
[0051] In some examples, the financial information provider 205 can have multiple channels on
which the provider 205 delivers information. For example, one channel ;an be a public channel that
is available (e.g., not encrypted) for all subscribers of the satellite broadcast provider 230. Another
channel can be limited to subscribers of the financial information provider 205 (such as a premium
Fidelity Investments channel). Here, the encryption techniques can be the same as the ones the
satellite broadcast provider 230 uses to enable premium channel selection and reception. Another
channel can be a channel for delivering the user-specific information. In, other examples, where
bandwidth allows, these three channels can be combined into a single channel.
[0052] FIG. 3 provides an exemplary network 300 for broadcasting user-specific information
from a livery information provider 310 using a high-definition radio 1rar smission. The network 3 00
includes the livery information provider 310, an interface 320, a digital radio broadcast provider
330, a broadcast tower 340 and a plurality of receivers 350A, 350B and 350C. In the livery services
embodiment, the livery information provider 310 can be a service company such as Boston Coach.

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The livery information provider 310 transmits user-specific information through an interface 320,
such as through a web-server. As described herein, user-specific information can be, for example, a
pick-up location, a drop-off location, a time for the pick-up location, passenger information, or any
other information appropriate for a livery service.
[0053] The user-specific information contains an identifier that is unique to the driver of a
livery, for example. The user-specific information is transmitted from ths interface 320 to a digital
radio broadcast provider 330. High-definition digital radio offers CD-quality sound on the FM band
and brings FM stereo-quality to the AM band. For example, radio stations bundles a digital HD
radio signal, which include digital binary numbers and a traditional analc g wave-form, to a
broadcast tower 340. At the broadcast tower 340, the digital signal is compressed and the combined
signals are broadcast over the frequency assigned to the station. In one embodiment, the traditional
AM/FM receivers still get the analog signal, while those with high-defin.tion receivers decode the
digital signal. One advantage of high-definition digital radio over conventional radio is that the high
definition receivers can receive digital information (e.g., user mformEition) on a display, for
example.
[0054] The digital radio broadcast provider 330 correlates the user-s pecific information with an
identifier so that the appropriate receiver has access to the information. The digital radio provider
330 can broadcast the user-specific information (appropriately tagged w ;th the unique identifier)
through the broadcast tower 340. The appropriate receiver, such as one of receivers 350A, 350B or
350C, accepts the user-specific information that contains the uniquely tagged identifier. At the
appropriate receiver 350A, 350B or 350C, the user can have the option of listening to the user-

WO 2006/069230 PCT/US2005/046559
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specific information or having the user-specific information displayed. Ir. some embodiments, the
identifier can act as the key for decrypting or de-multiplexing the signal.
[0055] Likewise, the user can also transmit information from the recever 350A, 350B, or 350C
to the digital radio broadcast provider 330. The user-specific information can be tracked and
maintained securely with the unique identifier associated with the receiver 350A, 350B or 350C and
the user. The digital radio broadcast provider 330 can receive the user-specific information and
forward the information through the interface 320 to the livery information provider 310.
[0056] FIG. 4 provides an exemplary satellite receiver 400 for use in receiving and transmitting
user-specific information. The satellite receiver 400 can be equipped or programmed to allow a user
to transmit information from the receiver 400 back to the satellite broadc ist provider (e.g., provider
230) or to the information provider (e.g., provider 205). In this example, a satellite receiver 400
includes a housing 410, a display 420, a turn dial 430, and a plurality of buttons 440. One advantage
of this embodiment of the satellite receiver 400 is that these components typically exist on many
satellite receivers. As such, no special features need to be added to the physical make-up of the
receiver 400 to provide functionality to the satellite receiver 400 in ordei for information to be
transmitted.
[0057] The following is exemplary functionality for a satellite recerv er 400 (or any other
appropriate receiver, such as a digital radio receiver) that uses each of the hardware components
already typically found on the device. For example, the display 420 is already designed to receive
digital information that is broadcast by the satellite broadcast provider. Most receivers 400
generally have a turn dial 430 that, depending on the model, can change the frequency received by
the user or adjust the audio volume of the broadcast. The turn dial 430, however can also be used to

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go forwards or backwards through the alphabet by turning the turn dial 42 0 to the right or left. For
example, taming the turn dial 430 to the right can advance a letter from A to B to C3 and so on.
Manipulating the turn dial 430 can change the letter from C to B back to A, for example. Similarly,
the turn dial can be used to change a numeral from 0 to 9, for example. As such, a user can transmit
any alphanumeric information to the intended recipient (e.g., information provider or broadcast
provider), such as, for example, a PIN code, a financial order request, a location for pick-up, a sports
wager, and so on.
[0058] In addition, the receiver 400 can include a plurality of buttons 440. In some
embodiments, the buttons can represent pre-programmed stations. In other embodiments, two of the
buttons can also be used to function like a turn dial, one button advancing through the alphabet (or
number), and another button acting to go backwards through the alphabet (or number). Pressing one
of the buttons can also serve to move to the next letter or number. In other embodiments, pressing
one of the buttons can serve to act as a "SEND" signal to transmit the information from the receiver
400 to the broadcast provider. In some embodiments, however, the rece: ver 400 can bypass the
broadcast provider and transmit the information directly to the information provider, such as a
financial services company (e.g., Fidelity Investments).
[0059] FIG. 5 provides an exemplary flow diagram 500 for a process of broadcasting user-
specific information to a receiver, such as broadcasting financial information via a satellite broadcast
provider. Generally, user-specific information is provided 510 from an: nformation provider
comprising a first database server in communication with a network. The first database server
retrievably stores the user-specific information. The user-specific information received from the
information provider is correlated with a second database server of a satellite broadcast provider.

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The user-specific information is matched 520 with an identifier associated with a satellite receiver.
The user-specific information is broadcast 530 to the satellite receiver. The broadcast allows an
authorized user of said satellite receiver to access said user-specific information.
[0060] The above-described systems and methods can be implemented, in whole or in part, in
digital electronic circuitry, or in computer hardware, firmware, software, or in combinations of
them. The implementation can be as a computer program product, i.e., a computer program tangibly
embodied in an information carrier, e.g., in a machine-readable storage d ;vice or in a propagated
signal, for execution by, or to control the operation of, data processing apparatus, e.g., a
programmable processor, a computer, or multiple computers. A computer program can be written in
any form of programming language, including compiled or interpreted languages, and it can be
deployed in any form, including as a stand-alone program or as a modulo, component, subroutine, or
other unit suitable for use in a computing environment. A computer projiram can be deployed to be
executed on one computer or on multiple computers at one site or distributed across multiple sites
,and interconnected by a network.
[0061] Method steps can be performed by one or more programrnabj e processors executing a
computer program to perform functions of the invention by operating, on input data and generating
output. Method steps can also be performed by, and apparatus can be implemented as, special
purpose logic circuitry, e.g., an FPGA (field programmable gate array) or an ASIC
(application-specific integrated circuit). Modules can refer to portions cf the computer program
and/or the processor/special circuitry that implements that functionality.
[0062] Processors suitable for the execution of a computer program include, by way of example,
both general and special purpose microprocessors, and any one or more processors of any kind of

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digital computer. Generally, a processor will receive instructions and data from a read-only memory
or a random access memory or both. The essential elements of a computer are a processor for
executing instructions and one or more memory devices for storing instructions and data. Generally,
a computer will also include, or be operatively coupled to receive data, from or transfer data to, or
both, one or more mass storage devices for storing data, e.g., magnetic, magneto-optical disks, or
optical disks. Some data transmission and instructions can also occur ov zr a network. Information
carriers suitable for embodying computer program instructions and data include all forms of non-
volatile memory, including by way of example semiconductor memoiy 6 evices, e.g., EPROM,
EEPROM, and flash memory devices; magnetic disks, e.g., internal hard disks or removable disks;
magneto-optical disks; and CD-ROM and DVD-ROM disks. The proces sor and the memory can be
supplemented by, or incorporated in special purpose logic circuitry.
[0063] To provide for interaction with a user, the above described techniques can be
implemented on a receiver having a display device, e.g., a CRT (cathode ray tube) or LCD (liquid
crystal display), for displaying information to the user. Other kinds of devices can be used to
provide for interaction with a user as well; for example, feedback provided to the user can be any
form of sensory feedback, e.g., visual feedback, auditory feedback, or tactile feedback; and input
from the user can be received in any form, including acoustic, speech, or tactile input.
[0064] The above described techniques can be implemented in a distributed computing system
that includes a back-end component, e.g., as a data server, and/or a middleware component, e.g., an
application server, and/or a front-end component, e.g., a client computei having a graphical user
interface and/or a Web browser through which a user can interact with an example implementation,
or any combination of such back-end, middleware, or front-end components. The components of

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the system can be interconnected by any form or medium of digital data communication, e.g., a
communication network. Examples of networks include a local area network ("LAN") and a wide
area network ("WAN"), e.g., the Internet, and include both wired and wireless networks.
[0065] The computing system can include clients and servers. A client and server are generally
remote from each other and typically interact through a network. The relationship of client and
server arises by virtue of computer programs running on the respective computers and having a
client-server relationship to each other.
[0066] The invention has been described in terms of particular embodiments. The alternatives
described herein are examples for illustration only and not to limit the alternatives in any way. The
steps of the invention can be performed in a different order and still achieve desirable results. Other
embodiments are within the scope of the following claims.

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Claims
What is claimed is:
1. A system for broadcasting user-specific information, the systei n comprising:
a network;
an information provider comprising a first server in communication with said network,
said first server retrievably storing information specific to a user; and,
a broadcast provider comprising a second server in communication with said network,
wherein said second server comprises at least one identifier associated with a receiver
that is associated with the user;
wherein said receiver is in communication with said second server to selectively receive
said information specific to said user.
2. The system of claim 1, wherein said network comprises a satellite radio service.
3. The system of claim 2, wherein said receiver comprises a satellite radio receiver.
4. The system of claim 2, wherein said broadcast provider comp rises a satellite broadcast
provider.
5. The system of claim 1, wherein said network comprises a dig tal radio, service.
6. The system of claim 1, wherein said receiver comprises a dig tal radio receiver.
7. The system of claim 1, wherein said broadcast provider comp rises a digital radio
broadcast provider.
8. The system of claim 1, further comprising a plurality of receivers, wherein each of said
plurality of receivers is associated with said identifier that is unique to each of said
plurality of receivers.

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9. The system of claim 8, wherein said broadcast provider bro adc asts information specific to
said user to said plurality of receivers.
10. The system of claim 8, wherein said receiver comprising the a1 least one identifier
associated with said receiver that is associated with the user is able to use said
information specific to said user.
11. The system of claim 9, wherein each of said plurality of rec eiv ers not comprising the at
least one identifier associated with said receiver that is associated with the user is unable
to use said information specific to said user.
12. The system of claim 1, wherein said receiver transmits inform rtion to said information
provider.
13. The system of claim 1, wherein said receiver selectively recei1 res said information
specific to said user based on said identifier associated with s lid receiver that is
associated with the user.
14. The system of claim 1, wherein said identifier is encrypted.
15. The system of claim 1, wherein said receiver selectively reeer /es said information
specific to said user based on a PIN code.
16. The system of claim 15, wherein said PIN code is encrypted.
17. The system of claim 1, wherein said broadcast provider broadcasts information over a
first channel, wherein the information is available for all users.
18. The system of claim 1, wherein said broadcast provider broadcasts information over a
second channel, wherein the information is available to subscribers of said second
channel.

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19. The system of claim 18, wherein said broadcast provider broadcasts information specific
to said user over said second channel.
20. The system of claim 1, further comprising at least one web server in communication with
said network.
21. The system of claim 1, further comprising a third database server comprising a user-
specific information.
22. The system of claim 1, wherein the first server or second server comprises a database
server.
23. The system of claim 1, wherein said user-specific information comprises a financial
information.
24. The system of claim 23, wherein said financial information comprises a security ticker, a
security name, a security quote, a security position, a market value of said security
position, a trade confirmation, a trade recommendation, a security news alert, an account
alert, or an account balance.
25. The system of claim 1, wherein said user-specific information comprises a livery
information.
26. The system of claim 25, wherein said livery information comprises a pick-up location, a
drop-off location, a time for said pick-up location, or a passe iger information.
27. The system of claim 1, wherein said user-specific information comprises a sports
information.
28. The system of claim 27, wherein said sports information comprises a sports score, a sports
odds, a sports over/under, a player performance information, or a team performance
information.

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28
29. The system of claim 1, wherein said user-specific information comprises a traffic
information.
30. The system of claim 29, wherein said traffic information comprises a traffic advisory, a
traffic accident information, a traffic routing recommendation, a weather information, or
a road condition information.
31. The system of claim 1, wherein said first database server comt rises a plurality of general
information.
32. The system of claim 31, wherein said general information corr prises financial information
selected from the group consisting of a financial quote, a ticker symbol, a security price,
a time of last trade, or a news alert.
33. A method for broadcasting user-specific information, the metl tod comprising:
receiving information specific to a user;
correlating said information with an identifier associated with a receiver associated with
said user; and
broadcasting said information to said receiver, such that use of the information is
restricted to said receiver.
34. The system of claim 33, wherein said network comprises a satellite radio service.
35. The system of claim 33, wherein said receiver comprises a satellite radio receiver.
36. The system of claim 33, wherein said broadcast provider comprises a satellite broadcast
provider.
37. The system of claim 33, wherein said network comprises a digital radio service.
38. The system of claim 33, wherein said receiver comprises a digital radio receiver.

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39. The system of claim 33, wherein said broadcast provider comprises a digital radio
broadcast provider.
40. The method of claim 33, wherein said receiver is one of a plurality of receivers, and
wherein said identifier that is unique to at least one of said plurality of receivers.
41. The method of claim 33, wherein said information provider comprises a web server in
communication with said network.
42. The method of claim 33, wherein said user-specific information comprises a financial
information.
43. The method of claim 42, wherein said financial information comprises a security ticker, a
security name, a security quote, a security position, a market value of said security
position, a trade confirmation, a trade recommendation, a security news alert, an account
alert, or an account balance.
44. The method of claim 33, wherein said user-specific information comprises a livery
information.
45. The method of claim 44, wherein said livery information comprises a pick-up location, a
drop-off location, a time for said pick-up location, or a passenger information.
46. The method of claim 33, wherein said user-specific information comprises a sports
information.
47. The method of claim 46, wherein said sports information comprises a sports score, a
sports odds, a sports over/under, a player performance information, or a team
performance information.
48. The method of claim 33, wherein said user-specific information comprises a traffic
information.

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49. The method of claim 48, wherein said traffic information comprises a traffic advisory, a
traffic accident information, a traffic routing recommendation, a weather information, or
a road condition information.
50. The method of claim 33, wherein said first database server comprises a plurality of
general information.
51. The method of claim 50, wherein said general information co mprises financial
information selected from the group consisting of a financial quote, a ticker symbol, a
security price, a time of last trade, or a news alert.
52. A computer program product, tangibly embodied in an information carrier, for
broadcasting user-specific information, the computer program product including
instructions being operable to cause data processing apparatus to:
receive information specific to a user ;
correlate said information with an identifier associated with i receiver associated with
said user; and
broadcast said information to said receiver, such that use of ihe information is restricted
to said receiver.

Described are methods and systems, including computer program products, for broadcasting user-specific information through satellite radio or digital radio. Generally, information specific to a user is correlated with an identifier associated with
a receiver associated with the user, and the information is broadcast to the receiver, such that use of the information is restricted to
the receiver.

Documents:

http://ipindiaonline.gov.in/patentsearch/GrantedSearch/viewdoc.aspx?id=pCfUc4+gEouaUZ5qVbDFjw==&loc=wDBSZCsAt7zoiVrqcFJsRw==

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Patent Number

268680

Indian Patent Application Number

2488/KOLNP/2007

PG Journal Number

37/2015

Publication Date

11-Sep-2015

Grant Date

11-Sep-2015

Date of Filing

04-Jul-2007

Name of Patentee

FMR CORPORATION

Applicant Address

82 DEVONSHIRE STREET, BOSTON MA

Inventors:

#	Inventor's Name	Inventor's Address
1	HARVEY, NINA, K	126 A. TUDOR STREET, BOSTON, MA 02127
2	MCDONOUGH, JOHN C	40 WINTER STREET, NAHANT, MA 01908
3	KALINICHENKO, BORIS, OLEGOVICH	49 WYMAN STREET, JAMAICA PLAIN, MA 02130

PCT International Classification Number

H04H 1/00

PCT International Application Number

PCT/US2005/046559

PCT International Filing date

2005-12-22

PCT Conventions:

#	PCT Application Number	Date of Convention	Priority Country
1	11/019910	2004-12-22	U.S.A.