我國保險商品專利之現況與展望

The Current Status and Future Prospects of Patents for Insurance Products in Taiwan

李尚嬪(Shang-Pin Li)

指導教授 ： 陳建勝

朝陽科技大學/管理學院/保險金融管理系/碩士(2009年)

摘要

在全球經濟變遷以及保險金融板塊變動下，國內保險金融業者將面臨機會與挑戰並存的新階段，其中，保險金融專利將順應市場潮流的趨勢，成為企業創新的原動力。然而，我國保險金融業者過去甚少關注保險專利的議題，但在智慧財產權被高度重視的時代，其重要性與日俱增。其次，保險專利的應用在國外行之多年，我國業者若欲推展跨國性的業務，更應對其制度與規定有全盤的瞭解。因此，本研究將以美國、日本及歐洲商業方法專利為基礎，並根據美國商標局資料庫及歐洲專利局資料庫所獲得的保險金融商品專利數等資料，探討我國發展保險專利的可能性，其以保險商品研發流程及各項新型保單為主要的開發項目。除此之外，本研究將針對商業方法專利之現況及其展望進行整理與探討，並以國內已取得專利之金融創新商品為例，藉此作為申請保險商品專利之參考。最後是提出相關建議以協助保險金融業、監理機關及從業人員對保險專利的認識與瞭解。

關鍵字

保險 ； 專利 ； 智慧財產權 ； 商業方法

並列摘要

Under the fluctuation of global economic transition and the turbulence of financial plate shifting, insurance practitioners in Taiwan are about to face a new stage in which many opportunities and challenges coexist. With current integration of financial industry and insurance industry, the idea of protecting intellectual property rights is going be the leading trend and become an innovative motive power in corporations. However, insurance practitioners in Taiwan seldom care about the issues regarding patents for insurance products. With the aid from current innovative technologies, insurance practitioners may make insurance technologies be protected by intellectual property rights by using business method patents, when they promote new insurance policies and the ideas of insurance. This study, based on the development of business method patents in United States, Japan, and Europe, used the number of patents of insurance and financial products granted in the database of United States Patent and the European Patent Office to investigate the insurance and financial patents which are at the start-up stage in Taiwan. This study surveyed the development procedures of insurance products and investigated the current status and future prospects of the field of business method patents for insurance products. The case study of an innovative financial product, which had been granted a patent in Taiwan, was used as an example to emphasize that promoting patents for insurance and financial products would be a leading trend in future markets. Finally, several suggestions are made for insurance corporations, insurance practitioners, and insurance supervisors to understand insurance patent.

並列關鍵字

Intellectual Property Rights ； Patent ； Business Method ； Insurance

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