隨著世界各國的發展潮流，我國由知識經濟慢慢走向數位經濟，加上運用數位科技來提升產業競爭力，也是許多國家致力於推動科技發展的政策之一，所有的努力不外乎為了往發展成「智慧國家」的方向前進。

因此，政府於2017年加速推動「行動支付普及」的鼓勵政策，加上網路購物興起「急經濟」的市場趨勢，吸引許多廠商及銀行業者投入金融虛擬卡產業；然而，公司在進入新的產業前，若對該產業技術領域之資訊掌握不足，影響公司未來經營佈局策略上之評估，並造成研發資源的無效投入。因此，當公司進入新的產業前，應先盤點其可能面臨之問題，包含目前市場的競爭態勢、該產業技術領域的發展狀況，及法令規範等。

本研究利用台灣專利資料庫檢索金融虛擬卡的相關專利，以申請趨勢分析、技術生命週期分析、主要專利權人分析、分類號分析，及主要專利權人技術發展分析等探討整體發展之趨勢；再依前述完成的結果，依不同的競爭壓力討論其主要發展的技術功效，最後建構出金融虛擬卡整體之技術性競爭概況。

分析結果經彙整為以下五點：(1)本產業目前正處於「技術成長期」，未來市場需求有望持續上升，值得我國廠商積極投入研發。(2)透過五種競爭角色所屬位置，本產業以「潛在競爭者」專利佈局威脅最強，其次為「下游消費者(客戶)」。(3)根據BCG矩陣及專利佈局理論，應該繼續投入研發並以專利保護其產品。(4)本產業面臨的競爭壓力較大，需找出技術差異，以做為未來切入的技術缺口。(5)非本產業技術發展較為全面性，也許可以透過異業結合的方式，開啟另一個創新的商業模式。

With the development trend of various countries in the world, our country is slowly moving from a knowledge economy to a digital economy. Through the digital technology to enhance industrial competitiveness, it is also one of the policies that many countries are committed to promoting the development of science and technology. All efforts are aimed to develop into a "smart country".

Therefore, the government accelerated the promotion of incentive policy of the "mobile payment popularization" in 2017. And The fast economy online shopping is getting popular that became an Ecommerce Trends. Which attract
many companies and bankers to invest in the financial virtual card industry. However, it will lead the company to make the wrong assessment of business strategies and input ineffective R&D resources when the company does not have enough information in the field before entering a new industry. Thus, the company should check the potential problems, including the market competitive situation, the development status in the field, laws and so on.

This study is based on the patent database of TIPO. First, this study is to analyze the overall development trend includes the analysis of application, technology life cycle, main applicants, IPC, technical development of main applicants and so on. Next based on the results of the aforementioned result, discuss the technical effects of its main developments according to different competitive pressures. Then finally, construct the overall technical competition overview of the financial virtual card.

The results of analysis are as follows: (1)The industry is currently in the "technological growth period", and market demand is expected to continue to rise in the future. So it is valuable to companies to invest actively. (2)Through the five competitive roles, the industry has the strongest threat to the patent portfolio of "potential competitors", followed by "customers". (3)According to the BCG matrix and patent portfolio theory, it should continue in research and development and protect its products with patents. (4)The industry is facing high competitive pressure, and it is necessary to find technological differences as a technological gap for the future. (5)The development of non-industry is comprehensive, and it may be possible to open another innovative business model through the combination of different industries.

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