Are payment methods patentable in Europe?

A business or financial method is excluded. The technical implementation that makes it faster, safer or more reliable can be protected.

Does the EPO treat fintech differently from other software?

The same technical-effect test applies, but examiners scrutinise financial context closely, so claim framing matters more.

When should a fintech run an FTO review?

Before a market launch or a funding round, and before integrating a third-party payment rail.

Tätigkeitsfelder · FIN

Fintech und Zahlungsverkehr

Zahlungsinfrastruktur, Handelssysteme, Digital-Asset-Plattformen und Regtech.

Überblick

Financial methods are excluded in Europe; the infrastructure that runs them is not. We concentrate on latency, reconciliation, fraud detection, settlement integrity and resilience — the technical layers where protection is achievable — and keep the commercial model out of the claims.

Dieser Abschnitt liegt derzeit nur auf Englisch vor; eine professionelle Übersetzung folgt.

Was wir tun

Payment and settlement infrastructure filings
Low-latency trading and matching system protection
Fraud detection and risk-scoring technical claims
Digital-asset platform and custody architecture
Regtech, reporting and compliance-automation filings
Freedom-to-operate review before a payments launch

Fragen

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