The Role of Financial Innovation in Society and Investing in Climate Change”

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- ¿Cómo saber si estamos avanzado o retrociendo? (taxonomía)

La innovación financiera es vista como el “motor” que lleva al sistema financiero hacia su meta de mejorar el desempeño de lo que los economistas llaman la “economía real”.

Es difícil intentar siquiera medir el impacto de la innovación.

- En algunos de los papers menciona el tema de Patentes financieros (innovación financiera)

- ¿Cuál es la tendencia?

Los métodos usados por los innovadores incluyen:

- Secretos comerciales (coca cola)

- Patentes y licencias

- Etiquetas de propiedad (copyright, trademark).

No obstante, en el sistema financiero, los secretos comerciales no funcionan debido a que para los productos, tanto los inversionistas como los reguladores exigen transparencia. (para procesos sería técnicamente más factible). Asimismo, las patentes son inviables para los productos financieros. Las innovaciones financieras han sido consideradas como “procesos de negocio”.

Aún así, en 1998, el juicio de “State Street Bank v. Signature Finance” abrió la puerta para que se puedan realizar patentes en productos (Sistema de gestión de activos). Aún no queda claro si es una decisión restrictiva o general, y se requiere mayor investigación en este tema.

- Revisar la página web para identificar qué tipos de patentes financieros se vienen registrando con más frecuencia y sacar un print de ello.

Clasificación

Descripción

Patentes (1790 - 2015)

705/33

Checkbook balancing, updating or printing arrangement

108

705/34

Bill preparation

886

705/35

Finance (e.g., banking, investment or credit)

7,286

705/36R

Portfolio selection, planning or analysis

3,181

705/37

Trading, matching, or bidding

5,231

705/38

Credit (risk) processing or loan processing (e.g., mortgage)

2,832

705/39

Including funds transfer or credit transaction

3,349

705/40

Bill distribution or payment

2,366

705/41

Having programming of a portable memory device (e.g., IC card, "electronic purse")

1,049

705/42

Remote banking (e.g., home banking)

873

705/43

Including Automatic Teller Machine (i.e., ATM)

857

705/44

Requiring authorization or authentication

1,693

705/45

With paper check handling

542

30,253

Ojo: Clase 705:

CLASS 705, DATA PROCESSING: FINANCIAL, BUSINESS PRACTICE, MANAGEMENT, OR COST/PRICE DETERMINATION

Finance (e.g., banking, investment or credit): Subject matter drawn to a computerized arrangement for planning the disposition or use of funds or securities, or extension of credit.

705

CLASS 705, DATA PROCESSING: FINANCIAL, BUSINESS PRACTICE, MANAGEMENT, OR COST/PRICE DETERMINATION

33

Checkbook balancing, updating or printing arrangement: Subject matter including an arrangement for attaching a data processing device to a checkbook, which processes transaction data to verify, or carry forward, the checkbook balance, or to print a check, upon to entry of an account transaction.

34

Bill preparation: Subject matter including an arrangement for generating a notice of payment due.

35

Finance (e.g., banking, investment or credit): Subject matter drawn to a computerized arrangement for planning the disposition or use of funds or securities, or extension of credit.

36

Portfolio selection, planning or analysis: Subject matter drawn to a computerized arrangement for planning the selection or evaluation of securities or other investments for a single entity.

37

Trading, matching, or bidding: Subject matter including the trading or exchange of securities or commodities within an organized system. This subclass includes distribution of services or products (e.g., utilities, heating, etc.) in a building by an "auction" or bidding system.

38

Credit (risk) processing or loan processing (e.g., mortgage): Subject matter drawn to a computerized arrangement for evaluation of the risk factors in a loan determination.

39

Including funds transfer or credit transaction: Subject matter drawn to a computerized arrangement for transferring funds by debiting one account and crediting another by the same