現今科技日新月異，不斷突破創新，產業環境變動的步調也越來越快，新竄出之金融科技(Finance Technology)的應用，使得許多企業越加注重技術方面的研發創新，尤其，善加運用專利資訊能有效節省研發經費與時間。因此如何有效運用專利是企業維持競爭優勢不可或缺的一環。 有鑑於此，本研究搜集近年各國專利資料庫之專利資料，將資料分為三個時期，並區分申請中與已申請之專利資料，透過文字探勘技術與機會探索分析出金融科技之發展與趨勢，了解各時期詞彙間之關聯性與差異，再搭配視覺化工具KeyGraph，以描繪出金融科技領域之相關詞彙關聯趨勢圖，挖掘未來潛在趨勢。 本研究之結果了解金融科技在各時期的趨勢發展變化與尋求脈絡，以及過去各時期之專利佈局，因而從結果中發現金融科技之發展方向主體為支付領域，許多支付科技接連出現在三個時期中。然而近幾年，其他金融領域如投資、融資、保險、資料分析等也漸漸浮出，從本研究之第三個時期的高頻字詞高達34個可看出，可見金融科技之專利發展佈局已快速從支付領域拓展至其他金融領域。本研究所挖掘出之潛在趨勢顯示了未來金融科技領域中將會有五大重點發展領域，分別為服務整合領域之雲端科技、支付領域之生物辨識與穿戴支付與加密貨幣、資料分析領域之機器學習與人工智慧、信息收集與處理領域之遠程信息處理科技、以及理財投資領域之理財機器人。 期望本研究結果能幫助企業，在面臨新科技不斷衝擊產業，而產業不斷尋求創新發展之下，能夠快速檢閱目前市場趨勢，藉此釐清並改善自身之發展策略，以因應外部環境之變動，提供企業作為金融科技發展之策略參考，也能有助於企業釐清與制定金融科技之投資方向，以擁有持續的競爭優勢。 / Nowadays, with the rapid advancement of information technologies, the changes of business environment and the way to deal with the changes are becoming faster and faster. The development and adoption of new financial technologies has made many enterprises pay more attention to the research and development (R&D) initiatives. Besides, making good use of patent information can effectively save the budget and time of R&D, so how to effectively use patent information is an indispensable part for enterprises to maintain their competitive advantages. This study collected the patent data from the national patent database, and divided the data into three periods, and distinguished the data between the applying and the applied patents. Through the text mining techniques and chance discovery, this study explored the development and trends of financial technology and also aimed to understand the relevance and differences between the major terms in each period. Then, with the visual tool, KeyGraph, this study illustrated the associations between related terms, and proposed the potential future trends based on the graphs. The results of this study help monitor the changes of the trends and financial technology’s development in the three periods, and understand the patent portfolios in each period. This study has found that the main direction of financial technology’s development is the payment field. Many technologies related to payment have successively appeared in the three periods. However, in recent years, other financial areas such as investment, financing, insurance, data analysis and other areas are gradually emerging, since we found 34 high-frequency terms in the third period. This also shows that the development of financial technology’s patent portfolios has expanded from payment to other financial areas. The potential trends of financial technology’s development in this study are five areas, namely, technologies of cloud, biometric and wearable payment and cryptocurrency, machine learning and artificial intelligence, telematics technology, and robo-advisors. It is expected that this study can serve as a reference for the development of financial technology, and help enterprises be able to quickly review their current market trends, clarify and improve their own R&D strategies to respond to the changes in the external environment. Also, it is hoped that the results can help enterprises clarify and develop their own investment directions to maintain competitive advantages.

市場導向指的是一種辨識市場狀態和顧客需求的企業理論，可以藉由不同的市場情報蒐集來達成。由此，其中的「市場感知能力」和「市場連結能力」能夠幫助企業不斷地修正、改進、創新及再定義原本的市場觀點，並研究市場中所有角色之間的關係。本研究致力於如何以文字探勘、資料探勘及機會發掘等理論創造一個服務的資訊系統來提升這兩個能力。運用本系統可以協助企業在不同市場中找到潛在資源及合作夥伴以共創複合性產品。換句話說，以這種開放關係和不同公司的共創方式更能達到相互曝光、產品與服務互補的效果。而更好的市場導向可以幫助企業間創造出更好的複合式產品並達到利基市場的競爭優勢。 / Market orientation refers to the business philosophy that focuses on identifying and meeting the stated or hidden needs of customers through various approaches of intelligence gathering activities. To this end, two important capabilities, market sensing and market relating, are to enable business to formulate, examine, modify, renovate and redefine their market views and investigate among all players in the market. This study focuses on how to exploit information system as a service to facilitate the acts of the market sensing and market relating capabilities in terms of information technologies of the text mining technique and the chance discovery theory. In addition, this service would help various businesses seek new, necessary and related resources or fellow companies for each other to cooperate to form a complex service product from different markets. In other words, cooperating in the open relationship, different companies attain more possibility to mutually expose their features, product or service, which achieves a marketing for those companies in different markets as well, and better market orientation is also avail business to make better complex product or service for niche market to get competitive advantages.