本文選題：商業(yè)方法專利 + 銀行專利　； 參考：《湘潭大學(xué)》2013年碩士論文

【摘要】：隨著計算機技術(shù)、互聯(lián)網(wǎng)技術(shù)、云計算技術(shù)、通信技術(shù)等在銀行業(yè)中的應(yīng)用加強，銀行商業(yè)方法創(chuàng)新的專利保護(hù)策略問題成為知識產(chǎn)權(quán)研究領(lǐng)域和銀行業(yè)關(guān)注的熱點問題之一。商業(yè)方法從不具有可專利性到具有可專利性的轉(zhuǎn)變過程中，科學(xué)技術(shù)的發(fā)展對創(chuàng)新起著關(guān)鍵性作用。傳統(tǒng)商業(yè)方法被認(rèn)為是純粹的人類智力活動，被排除在專利保護(hù)客體之外，，屬于不可專利的主題。然而隨著計算機、信息技術(shù)的高速發(fā)展，那些以技術(shù)手段實施的、能夠解決具體技術(shù)問題、實現(xiàn)技術(shù)效果的商業(yè)方法就具有了可專利性。由于其具有巨大的商業(yè)價值，許多國家開始調(diào)整自己的專利政策，逐漸將商業(yè)方法納入專利客體保護(hù)范疇。 銀行業(yè)作為現(xiàn)代經(jīng)濟(jì)發(fā)展的核心和知識高度密集型行業(yè)，受到信息革命和技術(shù)創(chuàng)新的影響尤為明顯。為了搶占金融創(chuàng)新專利保護(hù)的制高點，美國積極推進(jìn)商業(yè)方法的專利保護(hù)，于1998年通過州街銀行案的判決，率先為銀行業(yè)商業(yè)方法創(chuàng)新的專利保護(hù)打開大門。2002年，花旗銀行在我國申請的商業(yè)方法專利被媒體披露，充分說明了跨國銀行所實施的商業(yè)方法專利戰(zhàn)略已經(jīng)悄無聲息蔓延到我國。知識產(chǎn)權(quán)尤其是專利已經(jīng)成為當(dāng)前銀行業(yè)規(guī)避風(fēng)險的重要戰(zhàn)略武器和提高核心競爭力的必然選擇。 因此，充分利用法律武器實施商業(yè)方法創(chuàng)新的專利保護(hù)策略，對于提升內(nèi)資銀行市場競爭力、抵御跨國銀行的競爭具有重要的現(xiàn)實意義。本文從商業(yè)方法創(chuàng)新出發(fā)，去研究商業(yè)方法專利保護(hù)問題。然后在專利信息檢索的基礎(chǔ)上，利用波特五力競爭模型的基本理念，對中國銀行業(yè)商業(yè)方法專利保護(hù)進(jìn)行實證研究。最后以SWOT分析模型為基點，提出中國銀行業(yè)商業(yè)方法創(chuàng)新的專利保護(hù)策略，為提升專利策略選擇的有效性提供有益的參考與借鑒。
[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.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：D923.42

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