On The Protection Of Intellectual Property Right Of Chinese Commercial Bank

Russell says: All niceness must incarnate the individual. The ultimate objective of the political system, which is to change the world situation, must be to promote the individual to obtain the free development. Having being utilized in the commercial bank domain, the perfect intellectual property right system has greatly promoted the evolution of the commercial bank, actualized the harmonious advancement of the individual,the collective and the society together, and achieved the benefit balance among them, measured up the tertiary standards of the goal,the regularity and the standard unification, and finally come true humanity's liberation and individual comprehensive development, as well as the lofty goal of the progress of the social productive forces. The characteristic of the commercial bank industry determines the distinctive qualities of the intellectual property right system. All the copyright, trademark, and patent of the commercial bank manifest their own characteristics, especially that of the patent. However, the commercial method patent and the computer software patent among the patents take up the principal role, and unexpectedly, both of them were born and have being promoted in the commercial bank domain by the impetus of the financial innovation. And the patent of Shaft-typed Finance Service Data Processing System causes the commercial method patents to emergence widely in the United States of America, and being one kind of the commercial method patents, the Electronic-monetary System has been authorized the patent for Citibank in China. In a big way, the most typical one among all commercial method patent of the commercial bank is the patents on the Integrated and Nested Account, and holding their own patents of Integrated and Nested Account, both of Citibank and Merrill Lynch are ones of the most outstanding among all the world banks. This article introduces and analyzes the evolution history of Integrated and Nested Account of Citibank, from CitiCard Account, to CitiGold Account, CitiOne Account, Citibank Money Management Account, and even the latest the patent on Integrated and Nested Account; and probes into and the patent map of the method and system of Remote Delivery of Retail Banking Services; and at the same time, analyzes the several popular technical patents of the commercial bank of Taiwan area, such as the wisdom card,online banking,and bank service etc. All what I have done as mentioned above is to expect that the intellectual property right of Chinese commercial bank should be paid special attention by more and more the professional. Certainly, Chinese commercial bank had better learn from the strategies experience of intellectual property right of the overseas commercial bank, implement the Intellectual Property Right Strategies of Flourishing the Commercial Bank, establish and coordinate the concordant relations among the intellectual property right strategies of national,industry and enterprise, establish the Financial Intellectual Property Right Alliance among Chinese mainland, Taiwan and the Hong Kong three regions and so on, fully accelerate the perfect of the intellectual property rights system, avoid abusing the intellectual property rights or excessively protecting; and at the same time, Chinese financial organization should sparkplug the initiative finance innovation and the finance transform, encourage the financial competition, manifests the financial liberalization and globalization, try to control finance risk and the financial froth production, promotes Chinese commercial bank from the minute industry management gradually to the mix industry management steadily. Thus Chinese financial organization can calmly conquer the difficult problems, puzzling all developing nations, such as the financial hegemony,the financial security, and the financial sovereignty and so on, and successfully establish the Chinese special strategy system of the financial intellectual property rights.