近年來金融科技（fintech）市場快速擴張，技術的發展對金融產業產生不小的衝擊，科技企業紛紛投入相關研發，許多新創公司也應運而生，金融機構更是面臨創新的挑戰。在競爭如此激烈且技術密度高的產業，智慧財產的保護更形重要，而專利即是其中一種排他的保護手段。
本研究整理出金融科技之發展現況與金融產業在不同的面向上的技術創新，並進一步從專利的角度切入，利用專利檢索及專利資料分析方法，檢選出美國金融科技領域中的重要專利申請人；其後透過分析專利資料和蒐集其釋出的新訊，聚焦在各個專利申請人在區塊鏈技術和加密貨幣領域的發展現況以及專利佈局，提供未來欲投入該產業的公司或金融機構擬訂研發策略與專利申請方向之參考。

In recent years, the financial technology market expanded rapidly, and technological development had a considerable impact on the financial industry. Technology companies invested in related research and development, many related startups founded, and financial institutions faced challenges of innovation. In such a highly competitive and technology-intensive industry, the protection of intellectual property is more and more important, and patent is one of the exclusive rights of protection.
This research collected the current development of financial technology and the technological innovation of the financial industry in different aspects. From the perspective of patent, using patent search and patent data analysis methods to select important patent applicants in the field of financial technology of the United States. Through analyzing patent information and collecting the latest news released by the applicants and focus on observing their patent portfolio and development on blockchain and cryptocurrency, providing reference of R&D strategies and patent applications for companies or financial institutions which want to invest in the industry.

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