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全球金融科技专利申请数量直线攀升

来自部分商业出版物的数据显示,全球范围内金融科技领域专利申请数量显著提升。一份分析报告指出,2016年全球金融科技专利申请量9545份,这一数字比2015年多出了500份,比2011年多49%。据报道,2016年美国高居榜首,有4523份专利申请,同年中国居第二,但数量离美国有一段距离,数量为美国一半。

为了回报发明者把成果公之于众,专利允许发明者在限定期限(通常是20年)内对自己的发明拥有商业开发专享权利。为了促进技术发展,服务大众利益,赋予发明者垄断权有助于刺激创新,也有助于鼓励发明人公开创新成果。最近专利申请数量大涨,清楚地反映了金融科技领域中研究开发工作显著发展,也反映了这一领域的发明者切实想要保护自己的劳动成果,并使之商业化。

申请专利的金融科技发明类型多样,包括比特币管理系统,也包括以区块链为基础的货币储备系统。另外还包括信用评估工具、判定并分析欺诈及非法交易活动的人工智能系统。

Several business publications have recently reported a dramatic increase in the number of patent applications filed globally for fintech-related inventions. According to one widely-reported analysis, 9,545 applications were filed in 2016 which is 500 more than in 2015 and over 49% more than in 2011. The United States is reportedly leading the charge with 4,523 patent filings in 2016 and China, in a somewhat distant second place, filed about half that number in the same year.

A patent gives an inventor exclusive rights to exploit their invention commercially for a limited term (usually 20 years) in return for public disclosure of the invention. The monopoly conferred serves to incentivize innovation and encourages public disclosure of innovations for the advancement of technology and the common good. The recent surge in patent applications clearly reflects a significant uptick in research and development efforts in fintech and shows that innovators in this space are serious about protecting and commercialising the fruits of their labour.

The types of fintech-related inventions seeking to be patented are diverse and include systems for managing bitcoin and blockchain-based currency reserves. Other examples include credit risk assessment tools and artificial intelligence agents for identifying and analysing fraud and irregular trading activities.


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