人：國泰世華、永豐、台北富邦、兆豐、一銀等五家銀行，還有證交所、IBM、資誠會計師事務所以及喬美國際等公司。
事：金融科技（FinTech）專利公聽會
時：2016/3
地：台灣
物：近年很多國家都注重申請金融科技專利，像Visa已經擁有1,324件專利，韓國的新韓銀行也有超過907件，相較下，台灣各金融機構的金融專利數量少得可憐，總共只有20幾項，品質內容也較國際型的專利不足。
摘要：
「廣義型」的FinTech專利共5,245件，台灣企業的申請數占八成、4,216件，但在核心的「支付架構類、金融保險類」兩類，各只有311件、255件，顯示台灣金融業者在「主戰場」的布局相對弱勢。
Note:
Our
country lacks the professionals with patent, technology and finance. Our
finance companies just follow the historical trend.
PS.
M500936
本新型提供一種行動提款平台，其包括電腦系統與自動提款機，其中自動提款機與電腦系統連線。電腦系統基於行動裝置所傳送的提款認證資訊，來對於行動裝置進行提款認證。自動提款機顯示二維條碼供行動裝置掃描，在提款認證完成後，電腦系統依據行動裝置所傳來的提款資訊及二維條碼去控制自動提款機執行吐鈔動作。
Dynamic payment device
characteristics
US 7866551 B2
US 7866551 B2
ABSTRACT
A payment device
is disclosed. It includes a memory including payment data; and a
display coupled to the memory. A processor is configured to execute one or more
instructions for displaying the payment data on the display. Thepayment device
is in the form of a card.
3.Shinhan Bank
Method and device for bill account by on-line certified contract
WO 2002015071 A1
ABSTRACT
The
present invention relates to the method and device through which, for the
purpose of a purchasing companies making payments for goods, services or
construction services of a transaction partner: (1) an account receivable
transfer contract between a financial institution and the purchasing company is
certified and authenticated by a certified electronic authentication
institution based upon the details of the account receivable that the
purchasing company transmits via the telecommunication network, which account
receivable is to be used as collateral and (2) the amount equivalent to the
amount of the account receivable is provided to the transaction partner by the
virtue of the loan provided until the due date of the account receivable (which
is the conventional bill maturity date) based upon the said certified and
authenticated account receivable transfer contract.
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