中国保险业商业方法专利战略研究

华中科技大学硕士学位论文中国保险业商业方法专利战略研究姓名：薛汉卿申请学位级别：硕士专业：经济法学指导教师：余翔20080422IIIAbstractThereareseriousproblemsinunderwriting,forexample:manyinsuranceproductsaresameinessence,theimpetusforinsuranceinnovationisweak.ThereasonsthatrestricttheinnovationofChineseinsuranceindustry:Forthemoment,therearelessefficientlegalmethodstoprotecttheintellectualproductionininsuranceinnovation.AfterestimatingthelawsandcodesbothinChinaandoverseas,thisarticleindicatesthatbusinessmethodpatentisapowerfulmeansinprotectinginnovativeproductandserviceininsurance.Deepstudyonthebusinessmethodpatentlayoutandcharacteristic,hasanimportantpracticalimpactonChineseunderwritingcopingwithforeigninsurancefirms.Accordingtochinapatentsdatabase,thisarticlegeneralizesthecharacteristicsofinsurancebusinessmethodpatentinChinafromthreepartsofapplicant,applicationdate,patentIPC.Thisarticleanalyzesthetraitsofinsurancebusinessmethodpatentinfourfields:insuranceproductdesigning,insuranceoperationdeveloping,insurancepremiumpayment,informationsystem.Accordingtoinsurancebusinessmethodpatentsituation,thisarticlesummarizestraitsofinsurancebusinessmethodpatent:carryingoutinsuranceproductandbusinessmethodbycomputerhardwareandsoftwaretechnology.Thepurposeofanalyzinginsurancebusinessmethodpatentcharacteristic,atlastistoprovideworthysuggestionsforChineseunderwriting.Finally,combinedwiththesituationofinsurancebusinessmethodpatent,thisarticlebringsforwardthefourmeasuresforChineseunderwritingtocopywithpatentcompetition:firstly,establishinginsurancepatentproductR&Dmechanism;secondly,takingpatentpurchasestrategy;thirdly,adoptingbasicpatentstrategy;fourthly,introducingpatentportfoliostrategy.Emphasizingonpatentstrategyinunderwritingandresearchonunderwritinghowtousepatentstrategytoimproveproduct,areboththecoreandinnovationofthisarticle.IIIKeywords:UnderwritingBusinessmethodpatentPatentlayoutPatentstrategy2008□□(“√”)::::111.1200611.21.2.1TomBakos,MarkNowotarskiTheendoffreesharingininsurance20031405001.,,2004,6,221Recognizingwhatispatentableinaninsuranceproduct1997705/4ProgressiveInsurancePIPIPI21.2.22005/4705UPC7054TechnologicalTrajectoriesPatentField320061TomBakos,MarkNowotarskiTheendoffreesharingininsuranceNationalUnderwriter,2003,11,107(44),202TomBakos,MarkNowotarski.Recognizingwhatispatentableinaninsuranceproduct.NationalUnderwriter,2003,5,107(21),163,,2005,4,311,1311.2.3199820072006200260%2004200110111,-(),2006,6114220051.3IPC522.12.1.111.,2006,2,6862.1.21996452.1.3112.,2003,572.2BusinessMethodPatent1200269%64%21..,2006,9,552..1,2005,3682.2.11998StateStreetBankv.SignatureFinancialGroup1999AT&Tv.EXCEL17051997395364/1(practice,administration,ormanagementofanenterprise)2(processingoffinancialdata)3(determinationofchargeforgoodsorservices)UPC7054computerimplementedsystemsormethodsforwritinginsurancepolicies,processinginsuranceclaim22008212USPTO705/433770515,4122-11,.,2006,12,11(4),1082,,2005,4,1311,192-1US705US705/419982,8584719987452019991,0063620001,0622920018801920028871520039692120049982320051,4533020062,2244420072,0634320082671015,4123372.2.252(Article52,Europeanpatentconvention)12insuranceThekeytogettinganinsurancepatentinEuropeistoforgetabouttheinsuranceproductandfocusonthetechnologyrequiredtobringtheproducttomarket10Telematicautoinsurance(MethodAndSystemForIndividualEvaluationOfMotorVehicleRisk,EP700009B1)2.2.34.21211198920061512.312006.12.111233.13.1.1IPCG06F17/60G06QG06Q(IPC)G06F17/60G06QG06Q10/00G06Q99/00G06Q10/00G06Q20/00G07F7/08G07F19/00G07G1/12G06Q30/00G06Q40/00G06Q50/00G06Q90/00G06Q99/0013G06F17/60G06QIPCG06Q40/00G06F17/60G06QG06Q40/003.1.2705/413.23.2.1226613122008310142123-13-103811723.1G06F17/602003.05.2203816190.7G06F17/602003.05.09193-221IPC11421111200580000514.603811723.1200480000937.3200480025525.5120012200272003620045200520032004200520032005153-201816581.8G06F17/602001.10.0102820184.1G06F17/602002.10.1002823765.XG06F17/602002.11.0803822882.3G06F17/602003.09.2403823229.4XMLJAVAG06F9/442003.09.1603826972.4/H04L29/062003.08.2603823461.0G06F17/602003.09.2403824551.5/G06N3/042003.09.10200480000937.3G06F17/602004.07.22200480015270.4G06F9/442004.05.12200580000514.6G06Q10/002005.02.22200480025525.5G06Q20/002004.09.10200480026702.1G06Q40/002004.08.11200480027268.9G06Q40/002004.11.08200580001165.XG06Q40/002005.02.03200580001642.2G06Q10/002005.05.10200580001663.4G08B21/102005.06.30200580002295.5G06Q10/002005.02.18200480042135.9G01W1/102004.06.0116IPCG068G06F17/607G06Q3G06Q10/003G06Q40/001G06Q20/003.2.2123-312IPC92138311997200320052006IPC7G07F19/002G06Q1G09F1/001G06F17/60173-303140290.9G07F19/002003.08.2803140291.7G07F19/002003.08.2803140292.5DNAG07F19/002003.08.2803140294.1G07F19/002003.08.2803140298.4G07F19/002003.08.2803140305.0G07F19/002003.08.28200310111900.5DNAG07F19/002003.10.27200310111901.XG07F19/002003.10.27200410048282.9G06F17/602004.06.17200510107896.4G06Q90/002005.10.10200510108358.7G06Q40/002005.10.1397105208.5G09F1/001997.06.183.2.3123-4183-4()200410102725.8G06F17/602004.12.2302804305.7G06F17/602002.02.0102810983.XG06F17/602002.05.29200580047059.5G06Q10/002005.