中国银行业商业方法创新的专利保护策略研究

发布时间：2018-05-17 08:27

本文选题：商业方法专利 + 银行专利　；参考：《湘潭大学》2013年硕士论文

【摘要】：随着计算机技术、互联网技术、云计算技术、通信技术等在银行业中的应用加强，银行商业方法创新的专利保护策略问题成为知识产权研究领域和银行业关注的热点问题之一。商业方法从不具有可专利性到具有可专利性的转变过程中，科学技术的发展对创新起着关键性作用。传统商业方法被认为是纯粹的人类智力活动，被排除在专利保护客体之外，，属于不可专利的主题。然而随着计算机、信息技术的高速发展，那些以技术手段实施的、能够解决具体技术问题、实现技术效果的商业方法就具有了可专利性。由于其具有巨大的商业价值，许多国家开始调整自己的专利政策，逐渐将商业方法纳入专利客体保护范畴。银行业作为现代经济发展的核心和知识高度密集型行业，受到信息革命和技术创新的影响尤为明显。为了抢占金融创新专利保护的制高点，美国积极推进商业方法的专利保护，于1998年通过州街银行案的判决，率先为银行业商业方法创新的专利保护打开大门。2002年，花旗银行在我国申请的商业方法专利被媒体披露，充分说明了跨国银行所实施的商业方法专利战略已经悄无声息蔓延到我国。知识产权尤其是专利已经成为当前银行业规避风险的重要战略武器和提高核心竞争力的必然选择。因此，充分利用法律武器实施商业方法创新的专利保护策略，对于提升内资银行市场竞争力、抵御跨国银行的竞争具有重要的现实意义。本文从商业方法创新出发，去研究商业方法专利保护问题。然后在专利信息检索的基础上，利用波特五力竞争模型的基本理念，对中国银行业商业方法专利保护进行实证研究。最后以SWOT分析模型为基点，提出中国银行业商业方法创新的专利保护策略，为提升专利策略选择的有效性提供有益的参考与借鉴。
[Abstract]:With the application of computer technology, Internet technology, cloud computing technology, communication technology and so on in the banking industry, the patent protection strategy of bank business method innovation has become one of the hot issues in the field of intellectual property research and banking industry. The development of science and technology plays a key role in the transition from patentability to patentability. Traditional business methods are regarded as pure intellectual activities and excluded from the object of patent protection. However, with the rapid development of computer and information technology, the commercial methods which can solve the specific technical problems and realize the technical effects by the means of technology are patentable. Because of its great commercial value, many countries begin to adjust their patent policies and gradually bring business methods into the category of patent object protection. As the core of modern economic development and highly knowledge-intensive industry, the banking industry is particularly affected by the information revolution and technological innovation. In order to seize the commanding point of patent protection for financial innovation, the United States actively promoted the patent protection of business methods. In 1998, it adopted the judgment in the State Street Bank case, opening the door for patent protection of commercial method innovation in banking. The commercial method patent applied by Citibank in our country has been disclosed by the media, which fully shows that the business method patent strategy implemented by multinational banks has spread quietly to our country. Intellectual property, especially patents, has become an important strategic weapon for banks to avoid risks and an inevitable choice to improve core competitiveness. Therefore, making full use of the legal weapon to implement the patent protection strategy of business method innovation is of great practical significance to enhance the market competitiveness of domestic banks and to resist the competition of transnational banks. This article starts from the business method innovation, goes to study the business method patent protection question. Then, on the basis of patent information retrieval, this paper makes an empirical study on the patent protection of Chinese banking business methods by using the basic idea of Porter's five-force competition model. Finally, based on the SWOT analysis model, this paper puts forward the patent protection strategy of commercial method innovation in China's banking industry, which provides a useful reference for improving the effectiveness of patent strategy selection.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D923.42

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