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Abstract
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 humanitys 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 o
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