KR20090087359A - Method and apparatus for estimating the value of stocks - Google Patents

Abstract

A method and an apparatus for estimating the value of stocks are provided to estimate the values of stocks objectively by estimating the fluctuation values of the stocks based on the enterprise analysis data and stock data. Enterprise analysis data including at leas one of EPS(Earning Per Share), BPS(Book-Value Per Share) and a revenue during a certain period(S100). The stock price data for the period are inputted(S200), and the enterprise analysis data for future predetermined point of time are estimated from the inputted enterprise analysis data(S300). The fluctuation values of the stocks are estimated through the estimated enterprise analysis data and the inputted stock data(S400).

Description

Method and Apparatus for estimating the value of stocks}

The present invention relates to a method and apparatus for predicting the value of a company's stock, and more particularly, to a method for predicting the value of a stock based on a price earing ratio (PRI), a price book-value ratio (PBR), or sales; Relates to a device.

All shares have value and are therefore traded, and there is a market for these trades. The value of these stocks may be high or low in the market. On the other hand, it is often the case that the market's transaction price deviates significantly from its value, most of which is caused by artificial manipulation. As these artificial manipulations take place, well-invested investors are suffering enormously, and even if they are cracked down, artificial manipulations do not disappear.

In this situation, provide objective information to help determine the value of the stock, further protect investors affected by artificial manipulation, and drive the culture of investment from short-term speculation to long-term investment. There is a need for this.

U.S. Patent No. 7,251,627, on the other hand, offers a way to select stocks for investment, but stocks are not based on data such as sales, net income, or net assets that can be obtained from objective data, e.g., electronic disclosure data. There is a problem in that selection criteria are ambiguous and inconvenience of having to input information related to stocks from the user one by one, and thus the calculation and implementation are not simple.

Accordingly, there is a need to objectify, evaluate and predict the value of stocks based on objectified information. Accordingly, the present invention provides a method and apparatus for objectively evaluating and predicting the value of stocks. .

In one aspect according to the present invention to achieve the above object, there is provided a method for predicting the value of shares issued by a company, the method,

Receiving corporate analysis data including at least one of a predetermined period of EPS, Book-Value Per Share, and sales;

Receiving stock price data of a predetermined period;

Estimating company analysis data of a certain point in time from the input company analysis data;

Predicting a change value of a stock price using the estimated company analysis data and the input stock price data; And

Displaying a change value of the predicted stock price.

Preferably, the step of receiving the corporate analysis data, characterized in that the input from the database (DB) in which the enterprise analysis data is stored.

Preferably, the step of receiving the stock price data of the predetermined period, characterized in that the input is received in conjunction with the DB in which the stock price data is stored.

Preferably, the step of estimating the company analysis data of the future point in time, characterized in that for estimating by calculating the rate of increase and decrease of the input company analysis data.

Preferably, the increase and decrease rate is characterized in that the average increase and decrease rate.

Preferably, the step of predicting the change value of the stock price,

In the case of making a prediction based on EPS, obtaining a change value of a price earning ratio (PER) by using a change value of the inputted EPS for the predetermined period and the stock price data for the predetermined period, and

Predicting a change value of the stock price at a predetermined time point based on the change value of the obtained PER,

In the case of predicting on the basis of the BPS, obtaining a change value of Price Book-Value Ratio (PBR) by using the change value of the input BPS of the fixed period and the share price data of the input period.

Predicting a fluctuation value of the stock price at a certain point in time with the fluctuation value of the obtained PBR,

In the case of prediction based on sales, obtaining a variation value of Price Sales Ratio (PSR) using a change value of the inputted sales for a predetermined period and the stock price data for the inputted period.

Predicting a change value of the stock price at a predetermined time point based on the change value of the obtained PSR.

Preferably, the predicted change in the stock price includes a minimum value and a maximum value.

Preferably, the predicted change in the share price is characterized in that it comprises an average value.

Preferably, the predicted change in the stock price further comprises the step of displaying compound or isolation.

In one aspect according to the invention, there is provided an apparatus for predicting the value of shares issued by a company, the apparatus,

A company analysis data input unit for receiving a company analysis data including at least one of a predetermined period of EPS, Book-Value Per Share, and sales;

A stock price data input unit for receiving stock price data of a predetermined period;

A controller for receiving the company analysis data and the stock price data, estimating company analysis data at a predetermined time point, and predicting a change value of the stock price using the estimated company analysis data and the stock price data; And

And a display unit for displaying the predicted change in the stock price.

Preferably, the apparatus further comprises a storage server for storing the inputted company analysis data and stock price data.

Preferably, the apparatus further comprises a database (DB) in which the enterprise analysis data is stored in advance.

Preferably, the apparatus further comprises a DB in which the stock price data is pre-stored.

Preferably, the control unit,

An enterprise analysis data estimating unit for estimating company analysis data at a predetermined time point using the company analysis data of the predetermined period; And

A stock price forecasting unit for predicting a stock price change using the estimated company analysis data,

In the case of the prediction based on EPS, a change value of a price earning ratio (PER) is obtained by using a change value of the input EPS of the input period and the input price data of the input period, and as a change value of the obtained PER. Predict the fluctuation of the stock price at a certain point in the future,

When the prediction is based on the BPS, a change value of a price book-value ratio (PBR) is obtained by using a change value of the inputted BPS for a predetermined period and the price data of the inputted fixed period, and the variation of the obtained PBR. Value to predict the fluctuation of the stock price at some point in the future,

When the prediction is based on the sales, a change value of a price sales ratio (PSR) is obtained by using a change value of the inputted sales for a predetermined period and share price data of the inputted predetermined period, and the change value of the obtained PSR is obtained. And a stock price fluctuation predicting unit for predicting a fluctuation value of the stock price at a predetermined time point in the future.

Preferably, the company analysis data estimating unit, characterized in that to calculate and estimate the increase and decrease rate of the input company analysis data.

Preferably, the increase and decrease rate is characterized in that the average increase and decrease rate.

Preferably, the predicted change in the stock price includes a minimum value and a maximum value.

Preferably, the predicted change in the share price is characterized in that it comprises an average value.

Preferably, the stock price fluctuation predicting unit comprises a interest rate calculator for displaying the predicted stock price fluctuation in compound or isolation.

Preferably, the display unit is characterized in that it comprises a monitor.

In one aspect according to the present invention, there is provided a recording medium in which a computer program for carrying out the method of the present invention is embedded.

In one aspect according to the invention, there is provided a mobile communication device selected from the group comprising at least a mobile telephone, a personal digital assistant (PDA), and an e-mail device.

In one aspect according to the invention, there is provided a computer device incorporating the device of the invention.

In one aspect according to the invention, there is provided an apparatus comprising an integrated circuit for carrying out the method of the invention.

Hereinafter, with reference to the accompanying drawings, it will be described in detail a preferred embodiment of the present invention. The same reference numerals are used for the same elements in the drawings, and duplicate descriptions of the same elements are omitted.

According to the present invention, it is possible to provide a method and apparatus for predicting the value of a stock based on objectified data, which was difficult to implement in the prior art.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram showing a system for estimating the value of a stock issued by a company in accordance with an aspect of the present invention. The system 100 may include an enterprise analysis data input unit 110, a stock price data input unit 120, a storage server 130, a controller 140, and a display unit 150. The system 100 may also include a company analysis database 102, a stock price DB 104. The controller 140 may include a company analysis data estimator 142 and a stock price change value predictor 144, and the stock price change value predictor 144 may include a interest rate calculator 146. have. In addition, the system 100 may further include a company selection input unit 101 that receives a company selection for analysis of a specific company.

First, corporate analysis data including at least one of an EPS (Earning Per Share), a Book-Value Per Share (BPS), and a sales for a specific company may be input. The enterprise analysis data may be input from the first user 106. In this case, the company input by the company selection input unit 101 may not exist. Alternatively, the company analysis data may be input in cooperation with the DB 102. In this case, the company input by the company selection input unit 101 may exist prior to the company analysis data input.

You can also receive stock price data. Stock price data may be input from the second user 108. In this case, the company input by the company selection input unit 101 may not exist. Alternatively, the stock price data may be input in cooperation with the DB 104. In this case, the company input by the company selection input unit 101 may exist prior to the share price data input. The second user 108 can be the same person as the first user 106, and the DB 102 can be the same as the DB 104 or one side can be included on the other.

Thereafter, the inputted company analysis data and the input stock price data may be stored in the storage server 130. Alternatively, the storage server 130 may be omitted, and the inputted company analysis data and the input stock price data may be directly transmitted to the controller 140. The storage server 130 may simultaneously store and / or sequentially store the input corporate analysis data and the input stock price data. The storage server 130 may be connected on a wired line including the enterprise analysis data input unit 110 and the stock price data input unit 120 and Ethernet, or may use Bluetooth, IEEE 802.11, or IEEE 802.16. It may be connected over a wireless.

Thereafter, the controller 140 may perform subsequent processing using the company analysis data and the stock price data stored in a wired or wireless manner to the storage server 130. Alternatively, the control unit 140 does not go through the storage server 130, and the company analysis data input unit 110 and the stock price data input unit 120 directly or wired or wirelessly connected to the company analysis data, and You can take over the entered stock price data. As described above, the controller 140 may include a company analysis data estimator 142 and a stock price change value predictor 144, and the stock price change value predictor 144 may include the interest rate calculator 146. It may include.

The company analysis data estimating unit 142 uses the company analysis data, that is, EPS, BPS, or sales data for a predetermined period of time, which is transmitted from the storage server 130 or from the company analysis data input unit 110, to a certain point in time in the future. Estimate company analysis data. The company analysis data estimating unit 142 may calculate the increase / decrease rate of the input company analysis data to estimate the company analysis data at a certain point in the future. For example, if the EPS of 2 years ago is 2100 and the EPS of 2 years ago is 2200, the EPS has increased by 100, so this year's EPS can be estimated at 2300, and next year's EPS can be estimated at 2400. . Alternatively, the company's analysis data can be estimated at a certain point in time using the average increase / decrease rate. For example, if the BPS of 3 years ago is 10000, the BPS of 2 years ago is 20000, and the BPS of 1 year ago is 15000, the rate of increase and decrease between BPS 3 years ago and BPS 2 years ago is + 100%, and 2 years ago. The increase and decrease between BPS and BPS a year ago is -25%, so the average increase and decrease is + 75%, so this year's BPS could be 26250.

The stock price change predicting unit 144 may predict a stock price change using the estimated company analysis data. In this case, when the prediction is based on the estimated EPS, first, a change value of a price earning ratio (PER) may be obtained using a change value of the input EPS of the input period and the stock price data of the input period. have. In this case, a change in PER may be obtained by dividing the input stock price data value of the predetermined period by the EPS of the input period. The input price data of the fixed period may include, for example, the lowest price and the highest price for the past twelve months, and the current price, such that the change in PER is the lowest price for the last twelve months of the stock price. And the highest price, and the current price, respectively. Thereafter, the fluctuation value of the stock price at a predetermined time point can be predicted as the fluctuation value of the obtained PER. For example, the stock price is calculated by multiplying the PER value calculated on the basis of the lowest and highest prices of the stock prices for each of the last 12 months, and the EPS value estimated by the stock price change prediction unit 144, respectively. The fluctuation value of can be predicted, and the average value of the fluctuation values of each stock price can be obtained.

In addition, the stock price change predicting unit 144 may predict a stock price change based on the estimated BPS. First, a change value of a price book-value ratio (PBR) may be obtained by using a change value of the inputted BPS and the inputted stock price data. At this time, the share price data value of the inputted period may be divided by the input BPS of the inputted period, thereby obtaining a change value of the PBR. The input price data of the fixed period may include, for example, the lowest price and the highest price for the past twelve months, and the current price, so that the change in the PBR is the lowest price for the last twelve months of the stock price. Price can be calculated based on the price, the maximum price, and the current price. Thereafter, the fluctuation value of the stock price at a certain time point can be predicted as the fluctuation value of the obtained PBR. For example, the stock price is calculated by multiplying the PBR value calculated on the basis of the lowest and highest prices of the stock prices for each of the last 12 months, and the value of the BPS estimated by the stock price change prediction unit 144, respectively. The fluctuation value of can be predicted, and the average value of the fluctuation values of each stock price can be obtained.

In addition, the stock price change predicting unit 144 may predict a stock price change based on the estimated sales. First, a change value of a price sales ratio (PSR) may be obtained using a change value of the input sales amount of a predetermined period and the stock price data of the input period. In this case, the change in the PSR may be obtained by dividing the input stock price data value of the predetermined period by the input sales value of the predetermined period. The input price data of the given period may include, for example, the lowest and highest price for the last 12 months, and the current price, such that the change in the PSR is the lowest price for the last 12 months of the stock price. And the highest price, and the current price, respectively. Thereafter, the fluctuation value of the stock price at a predetermined time point can be predicted by the fluctuation value of the obtained PSR. For example, the stock price is multiplied by the PSR value calculated on the basis of the lowest and highest prices of the stock prices for each of the last 12 months, and the value of sales estimated by the stock price change prediction unit 144, respectively. The fluctuation value of can be predicted, and the average value of the fluctuation values of each stock price can be obtained.

Meanwhile, the stock price fluctuation predicting unit 144 may include a interest rate calculator 146 for displaying the predicted stock price fluctuation as compound or isolation. The interest rate calculator 146 may calculate the interest rate in case of compounding and the interest rate in case of isolation by comparing the current price with the predicted price.

Thereafter, the display unit 150 may display a change value of the predicted stock price. The display unit 150 may include a monitor, an LCD display, and the like, and may numerically express or graph the predicted change in the stock price.

2 is a diagram illustrating a system for estimating the value of stocks issued by a company according to an aspect of the present invention.

The system 200 may include a client device 210 and a server device 220, and the server device 220 may include a storage server 230, a controller 240, and a database (DB) 250. , And a server transceiver 260. In addition, the client device 210 may include a display unit 212, an input unit 214, and a client transceiver unit 215. The controller 240 may include a company analysis data estimator 242 and a stock price change value predictor 244, and the stock price change value predictor 244 may include a interest rate calculator 246. DB 250 may include a company analysis DB 252, and a stock price DB 254.

Alternatively, at least one of the storage server 230, the controller 240, and the DB 250 may be included in the client device 210. Client device 210 may include a mobile phone, a personal digital assistant (PDA), and an e-mail device.

The input unit 214 may receive corporate analysis data and stock price data from a user. Alternatively, the input unit 214 may receive data for selecting a specific company. In this case, the corporate analysis data for a specific company may be input. And the stock price data may be input from the company analysis DB 252 of the DB 250 of the server device 220 and the stock price DB 254, respectively. In this case, the display unit 212 may display the input content, and the display unit 212 may include an LCD display device.

The client device 210 can be wired or wirelessly connected to the server device 220. To this end, the client transceiver 215 may include a Bluetooth transceiver 216, an RF transceiver 217, or an Ethernet LAN card 218.

Meanwhile, the corporate analysis data and the stock price data input to the input unit 214 may be transmitted to the server device 220 wired or wirelessly through the client transceiver 215. To this end, the server transceiver 260 may include a Bluetooth transceiver 266, an RF transceiver 267, or an Ethernet LAN card 268.

The company analysis data and the stock price data transmitted through the server transceiver 260 may be stored in the storage server 230, or alternatively, the storage server 230 may be omitted and transferred directly to the controller 240. Can be. The storage server 230 of FIG. 2 may correspond to the storage server 130 of FIG. 1, and the controller 240 of FIG. 2 may correspond to the controller 140 of FIG. 1. Accordingly, the subsequent process of the controller 240 of FIG. 2 corresponds to the process of the controller 140 of FIG. 1, except that the data finally predicted according to the process of the controller 240 is a server transceiving unit ( The data may be transmitted to the client device 210 through 260, and the transferred data may be displayed through the display unit 212.

3 is a flow chart of a method for predicting the value of a stock issued by an enterprise in accordance with an aspect of the present invention.

First, in step S100, corporate analysis data including at least one of EPS, BPS, and sales of a predetermined period may be input. Step S100 may be implemented through the company analysis data input unit 110 of FIG. 1 or the input unit 214 of FIG. 2.

Thereafter, in step S200, stock price data of a predetermined period may be input. Step S200 may be implemented through the stock price data input unit 120 of FIG. 1 or the input unit 214 of FIG. 2.

Accordingly, in step S300, it is possible to estimate the company analysis data of a certain point in time from the inputted company analysis data. Step S300 may be implemented by the company analysis data estimator 142 of FIG. 1 or the company analysis data estimator 242 of FIG. 2.

Thereafter, in step S400, a change value of a stock price may be predicted using the estimated company analysis data and the input stock price data. Step S400 may be implemented by the stock price change value predictor 144 of FIG. 1 or the stock price change value predictor 244 of FIG. 2. In addition, step S400 will be described in detail later with reference to FIG. 4.

Thereafter, in step S500, a change value of the predicted stock price may be displayed. Step S500 may be implemented by the display unit 150 of FIG. 1 or the display unit 212 of FIG. 2.

4 is a detailed diagram illustrating step S400 of FIG. 3, that is, predicting a stock price change value. Therefore, all the steps of FIG. 4 may be performed between step S300 and step S500 of FIG. 3. Accordingly, all of the steps of FIG. 4 may be implemented by the stock price fluctuation predicting unit 144 of FIG. 1 or the stock price fluctuation predicting unit 244 of FIG. 2.

First, in step S410, it may be determined whether a stock price change value is predicted based on EPS. Accordingly, when it is determined that the stock price fluctuation value is predicted based on the EPS, the fluctuation value of the PER is determined by using the fluctuation value of the inputted EPS for the predetermined period and the stock price data of the inputted fixed period in step S412. Can be obtained. Subsequently, in step S414, a change in stock price may be predicted based on the obtained change in PER.

On the other hand, if it is determined in step S410 that the stock price change value is not predicted based on the EPS, it may be determined whether the stock price change value is predicted based on the BPS in step S420. Accordingly, when it is determined that the stock price fluctuation value is predicted based on the BPS, in step S422, the fluctuation value of the PBR is determined using the fluctuation value of the input BPS for the predetermined period and the stock price data for the input period. Can be obtained. Thereafter, in step S424, a change in stock price may be predicted based on the obtained change in PBR.

Meanwhile, when it is determined in step S420 that the stock price change value is not predicted based on the BPS, it may be determined whether the stock price change value is predicted based on the sales in step S430. Accordingly, when it is determined that the stock price change value is predicted based on the sales, in step 432, the change value of the PSR is determined using the change value of the input sales of the predetermined period and the stock price data of the input period. Can be obtained. Thereafter, in step S434, a change in stock price may be predicted based on the obtained change in PSR.

Alternatively, system 100 of FIG. 1 and system 200 of FIG. 2 may include an authentication server for billing and payment processing. In this case, the system 100 and the system 200 may display a value for the predicted stock value only when charging and settlement processing is performed.

Meanwhile, according to an aspect of the present invention, the system of FIGS. 1 and 2 may be implemented as a computer program and embedded in a recording medium. Alternatively, the system of FIG. 1 and the system of FIG. 2 may be implemented as integrated circuits.

In addition, the present invention may be implemented through any one of a mobile phone, a personal digital assistant (PDA), and an e-mail device including the system of FIGS. 1 and 2.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "having" are intended to indicate that there is a feature, number, step, action, component, part, or combination thereof that is described, and that one or more other features or numbers are present. It should be understood that it does not exclude in advance the possibility of the presence or addition of steps, actions, components, parts or combinations thereof.

With respect to the embodiments of the present invention disclosed in the text, specific structural to functional descriptions are merely illustrated for the purpose of describing embodiments of the present invention, embodiments of the present invention may be implemented in various forms and It should not be construed as limited to the embodiments described in.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in the commonly used dictionaries should be construed as meanings consistent with the meanings in the context of the related art and shall not be construed in ideal or excessively formal meanings unless expressly defined in this application. .

1 illustrates a system for predicting the value of stocks issued by a company in accordance with an aspect of the present invention.

2 illustrates a system for predicting the value of stocks issued by a company in accordance with an aspect of the present invention.

3 is a flow chart of a method for predicting the value of a stock issued by an enterprise in accordance with an aspect of the present invention.

4 is a diagram illustrating in detail the step of predicting the stock price change value of FIG.

Claims (24)

In a method for predicting the value of shares issued by a company, Receiving corporate analysis data including at least one of a predetermined period of EPS, Book-Value Per Share, and sales; Receiving stock price data of a predetermined period; Estimating company analysis data of a certain point in time from the input company analysis data; Predicting a change value of a stock price using the estimated company analysis data and the input stock price data; And Displaying a change in the predicted stock price. The method according to claim 1, The step of receiving the corporate analysis data, the method for predicting the value of the stock, characterized in that the input from the database (DB) in which the enterprise analysis data is stored. The method according to claim 1, The receiving of the stock price data of the predetermined period of time, the method for predicting the value of the stock, characterized in that the input is received in conjunction with the DB in which the stock price data is stored. The method according to claim 1, The estimating the company analysis data of the future point in time, the method for estimating the value of the stock, characterized in that by calculating the estimated increase and decrease of the input company analysis data. The method according to claim 4, And said rate of increase and decrease is an average rate of increase and decrease. The method according to claim 1, Predicting the change value of the stock price, In the case of making a prediction based on EPS, obtaining a change value of a price earning ratio (PER) by using a change value of the inputted EPS for the predetermined period and the stock price data for the predetermined period, and Predicting a change value of the stock price at a predetermined time point based on the change value of the obtained PER, In the case of prediction based on the BPS, obtaining a change value of Price Book-Value Ratio (PBR) by using the change value of the inputted BPS and the inputted share price data of the predetermined period, and Predicting a fluctuation value of the stock price at a certain point in time with the fluctuation value of the obtained PBR, In the case of prediction based on sales, obtaining a variation value of Price Sales Ratio (PSR) using a change value of the inputted sales for a predetermined period and the stock price data for the inputted period. Predicting a change value of the stock price at a certain point in time with the change value of the obtained PSR. The method according to claim 6, And wherein the predicted change in stock price comprises a minimum and a maximum value. The method according to claim 6, And wherein the predicted change in stock price comprises an average value. The method according to claim 6, And displaying the change in the predicted stock price as a compound or single interest. In the device for predicting the value of shares issued by a company, A company analysis data input unit for receiving a company analysis data including at least one of a predetermined period of EPS, Book-Value Per Share, and sales; A stock price data input unit for receiving stock price data of a predetermined period; A controller for receiving the company analysis data and the stock price data, estimating company analysis data at a predetermined time point, and predicting a change value of the stock price using the estimated company analysis data and the stock price data; And And a display unit for displaying a change in the predicted stock price. The method according to claim 10, The device, And a storage server for storing the inputted company analysis data and stock price data. The method according to claim 10, The device, Apparatus for predicting the value of a stock, characterized in that the enterprise analysis data further comprises a database (DB) previously stored. The method according to claim 10, The device, And a DB in which the stock price data is stored in advance. The method according to claim 10, The control unit, An enterprise analysis data estimating unit for estimating company analysis data at a predetermined time point using the company analysis data of the predetermined period; And A stock price forecasting unit for predicting a stock price change using the estimated company analysis data, In the case of the prediction based on EPS, a change value of a price earning ratio (PER) is obtained by using a change value of the input EPS of the input period and the input price data of the input period, and as a change value of the obtained PER. Predict the fluctuation of the stock price at a certain point in the future, When the prediction is based on the BPS, a change value of a price book-value ratio (PBR) is obtained by using a change value of the inputted BPS for a predetermined period and the price data of the inputted fixed period, and the variation of the obtained PBR. Value to predict the fluctuation of the stock price at some point in the future, When the prediction is based on the sales, a change value of a price sales ratio (PSR) is obtained by using a change value of the inputted sales for a predetermined period and share price data of the inputted predetermined period, and the change value of the obtained PSR is obtained. And a stock price fluctuation predicting unit for predicting a fluctuation value of the stock price at a certain point in time in the future. The method according to claim 14, The company analysis data estimation unit, And calculating and estimating a rate of increase and decrease of the inputted company analysis data. The method according to claim 15, And said rate of increase and decrease is an average rate of increase and decrease. The method according to claim 14, And wherein the predicted change in stock price includes a minimum value and a maximum value. The method according to claim 14, And wherein the predicted change in stock price includes an average value. The method according to claim 14, The stock price change value prediction unit, And an interest rate calculator for displaying the predicted change in the stock price as compound or single interest. The method according to any one of claims 10 to 19, And the display unit comprises a monitor. A recording medium incorporating a computer program for performing the method according to any one of claims 1 to 9. A mobile communication device incorporating an apparatus according to any one of claims 10 to 19, A mobile communication device selected from the group comprising at least a mobile phone, a personal digital assistant, and an e-mail device. A computer device with a built-in device according to any one of claims 10 to 19. Apparatus comprising an integrated circuit for performing the method according to claim 1.

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