金融商业方法专利研究

上海交通大学硕士学位论文金融商业方法专利研究姓名：王战静申请学位级别：硕士专业：知识产权指导教师：寿步20081030[]THERESEARCHOFBUSINESSMETHODPATENTOFFINANCEABSTRACTIntheelectronicprocessoffinance,thecompetitionbetweencommercialbankshasdevelopedintothebattleofhigh-qualitycustomersandfinancialproducts.Andthesophisticatedfinancialproductshelpbankstodevelopbusinessandwidemarketaswell.Citibank,therepresentativeofoverseascommercialbanks,hassubmittedaseriespatentofbusinessmethodstoChineseIntellectualPropertyBureau,withanintentiontosetupapatentwallinfrontofChina’sCommercialBanks.However,China’scommercialbankshavenotattachedenoughimportancetofinancialpatentandputthemselvestoadisadvantageouspositionincompletion.Therefore,China’scommercialbanksshouldestablishandstrengthentheawarenessoffinancialpatent,speeduptherelevantresearchandsetupthepatentstrategytomeetthechallengefromtheoverseascounterparts.Thearticlefirstintroducethebasicconceptsandcategoriesofbusinessmethodpatentmainlydescribetheimpactofbusinessmethodpatentsonfinancialinstitutions.Withtherapiddevelopmentofnetworktechnology,alargenumberofbusinessmethodpatentsappeared.Asthelackofexperiences,China'scommercialbankscouldn’tcontroltheriskinelectronicbankingbusiness.ThroughtheanalysisofthefinancialproductpatentofCitibankaswellasourlawsandregulationsrelatedtotheBMP,comparingapplicationsbetweenforeignbanksanddomesticcommercialbanks,inordertofindourfaults.Thusproposeourcommercialbankstotaketheinitiativeactivitiesandenhanceawarenessofthepatent,soastospeedupandsetestablishmentofapatentstrategy.KEYWORDS:BusinessMethodPatentFinancialProductsThePatentofFinancialProduct2009222009222009221:,,“――――――”“”BMPWTO“”2,,,,,,,1908HotelSecurityCheckingCo.v.LorraineCo.1HSCLC21(1908)160F.467.Patentclaimeda“methodofandmeansforcash-registeringandaccount-checking”topreventfraudonthepartofwaitersandcashersinhotelsandrestaurantsbymeansofnumberedslipsdistinguishingeachwaiter,andamastertableusedtotallywaiteractivity.Thedefendantsclaimedlackofnoveltyandlackofinvention.3(businessmethodsexception),3,,1998StateStreetBank1998StateStreetBank&TrustCo.V.SignatureFinancialGroup.Inc.StateStreetBankSignatureFinancialGroupSignature5193056DataProcessingSystemforHubandSpokeFinancialServicesConfigurationSpokesHub4335U.S.A.§101:InventionspatentableWhoeverinventsordiscoversanynewandusefulprocess,machine,manufacture,orcompositionofmatter,oranynewandusefulimprovementthereof,mayobtainapatenttherefore,subjecttotheconditionsandrequirementsofthistitle.(practicalutility)61Amazon.comone-click5(Fed.Cir.1998)20071246334252MethodsofFundingCollegeTuition3NetZeroZeroPort4FrancisModiglianiSystemforenhancedmanagementofpension-backedcredit67——19961920034872040002009720046148200312920047207101077811,,,,,12,,()13(businessmethod)1411199379122002172-1971320041420036239“”1596191072.0[]“”l15=CN96191072.0&leixin=fmzl&title=&ipc=G06F17/602007-12-3110231234[]16“”16—200341117[]“”“”“”“”()“”“”“”()“”(EFT)[]“”“”“”“”“”17=CN92113147.X&leixin=fmzl&title=&ipc=G06F15/302007-12-291218“”“”“”19“”18200631920049413“”200220815071385319100717413549301418933000442057220022100010300320()22TRIPS272(3)27227325TRIPS273,23()222320024161816200410():,:“”24242.2171825:252003138-3919,2626,200364-66.2027WTOTRIPS,272005221,,,,,,,“”22[1]2005[2]1986[3]1998[4]2003[5]2004[6]1998[7]2006[8]2006[9]2004[10]2003[11]2001[1]200702[2]200106[3]200402[4]200310[5]200410[6]200706[7]2006[8]2006[9]2004[10]200708[11]200502[12]200704[13]200404[14]200702[15]2002[16]200204[17]200703[18]2004[19]200423[20]2004[1]=252007.12.28[2][3]2007.12.30=178[4][5]2007.12.30[6]=76042007.12.30[7][8][9][10]“”2007.12.30[11][12][13]=15049&uid=62132007.12.30[14]2007.12.30=94