← Capabilities
Strategic Infrastructure

Banks, Insurers & Systemic Institutions

Banks, insurers and systemic institutions covers the financial institutions themselves rather than the rails and venues they use, including systemically important banks, insurers, pension and social insurance funds, sovereign wealth and development finance institutions, and deposit guarantee bodies. One of the capabilities of Financial Infrastructure.

International families
8,6812015 to 2024
Leading country
United States1.9× the next
All families
69khome filings included
Over five years
Falling2020 to 2024 against the five before

Year by year

Patent families by country of origin and the year of the earliest filing, 2000 to 2025; 2025 is a part year, still filling in. International families are those for which protection was sought beyond one country.

Volume

International patent families in the capability, by the year of the earliest filing.

Source: Global Institute for National Capability (GINC), 2026. Underlying patents from 107 patent offices, IFI CLAIMS and Google

Share by country

Each country's share of the year's international families, in per cent: the capability's five largest countries of origin, 2015 to 2024, and the rest of the world.

Source: Global Institute for National Capability (GINC), 2026. Underlying patents from 107 patent offices, IFI CLAIMS and Google

Country leaderboard

International patent families, 2015 to 2024, by country of origin. Growth compares the latest five full years with the five before.

Ten largest

United States

China

Japan

South Korea

Canada

Cayman Islands

United Kingdom

Taiwan

Germany

India

2,907

1,531

1,087

813

421

193

159

157

140

137

2000 to 2025
1United States2,90733.5%1.0×
9,707
2China1,53117.6%0.5×
41,841
3Japan1,08712.5%0.9×
4,417
4South Korea8139.4%1.2×
7,552
5Canada4214.8%0.9×
814
6Cayman Islands1932.2%0.0×
210
7United Kingdom1591.8%0.9×
251
8Taiwan1571.8%0.6×
1,263
9Germany1401.6%0.8×
256
10India1371.6%1.2×
219
11Singapore1241.4%0.9×
152
12Türkiye1221.4%3.7×
237
13Australia1111.3%0.5×
255
14Switzerland1011.2%1.1×
135
15France861.0%0.5×
161
16Israel700.8%0.7×
143
17Hong Kong510.6%0.2×
64
18Russia480.6%0.4×
86
19Italy450.5%0.8×
118
20Ireland420.5%0.3×
86
21South Africa300.3%0.9×
34
22Sweden250.3%0.6×
37
23Belgium250.3%0.2×
32
24New Zealand220.3%2.7×
24
25Netherlands210.2%0.4×
36
26Brazil200.2%1.0×
95
27Malaysia180.2%0.3×
32
28Austria160.2%0.6×
20
29Spain150.2%0.5×
30
30Saudi Arabia140.2%13×
19
31Denmark60.1%5.0×
6
32Luxembourg60.1%2.0×
9
33Finland50.1%1.5×
7
34Norway40.0%0.0×
4
35Mexico30.0%0.5×
10
36Portugal30.0%2.0×
6
37Poland20.0%1.0×
7
38Liechtenstein20.0%–
2
39Czechia10.0%–
2
40Hungary10.0%–
2

Applicants

The largest applicants by international patent families, 2015 to 2024: across the world, then within each of the five countries with the most families in Banks, Insurers & Systemic Institutions. Names are as held in the source and are not consolidated across subsidiaries.

Global

8,681 international families

PING AN TECH SHENZHEN CO LTD · China

ALIBABA GROUP HOLDING LTD · China

ALIBABA GROUP SERVICES LTD · Cayman Islands

ADVANCED NEW TECHNOLOGIES CO LTD · Cayman Islands

MASTERCARD INTERNATIONAL INC · United States

CAPITAL ONE SERVICES LLC · United States

529

282

221

206

203

187

United States

2,907 international families

MASTERCARD INTERNATIONAL INC

CAPITAL ONE SERVICES LLC

VISA INT SERVICE ASS

JPMORGAN CHASE BANK NA

ALLSTATE INSURANCE CO

NCR CORP

203

186

110

89

83

49

China

1,531 international families

PING AN TECH SHENZHEN CO LTD

ONE CONNECT SMART TECH CO LTD SHENZHEN

SHENZHEN ONECONNECT TECH CO LTD

ALIBABA GROUP HOLDING LTD

ALIPAY HANGZHOU INF TECH CO LTD

PING AN TECHNOLOGY SHENZHEN CO LTD

529

97

79

59

55

46

Japan

1,087 international families

GLORY KOGYO KK

NEC CORP

HITACHI LTD

TOYOTA MOTOR CO LTD

TOYOTA MOTOR CORP

OKI ELECTRIC IND CO LTD

103

100

65

58

58

49

South Korea

813 international families

HYOSUNG TNS INC

AIZEN GLOBAL CO INC

SAMSUNG ELECTRONICS CO LTD

HYUNDAI MOTOR CO LTD

NAUTILUS HYOSUNG INC

COUPANG CORP

90

29

27

18

18

15

Canada

421 international families

TORONTO DOMINION BANK

CANADA LTD 10353744

ROYAL BANK OF CANADA

SHENZHEN CIFPAY NETWORK BANK TECH CO LTD

SUNING FINANCE TECH NANJING CO LTD

NOMURA RES INST LTD

110

80

48

44

13

11

Similar capabilities

The nine capabilities that share the most international patent families with Banks, Insurers & Systemic Institutions, 2015 to 2024: the families counted in both as a share of those counted in either. Each card shows its five largest countries.

Financial Strength

Banking System Capacity

56.6% shared · 4,913 families in both

United States

China

Japan

South Korea

Canada

1,677

722

638

486

297

Financial Strength

Long-Term & Institutional Capital

50.7% shared · 4,401 families in both

United States

China

Japan

South Korea

Canada

1,486

868

498

378

172

Financial Strength

Payment & Market Infrastructure Oversight

11.3% shared · 2,612 families in both

United States

China

South Korea

Japan

Cayman Islands

6,452

2,381

1,618

1,604

589

Strategic Infrastructure

Markets, Exchanges & Depositories

11.1% shared · 1,318 families in both

China

United States

Japan

South Korea

Cayman Islands

1,322

1,185

384

363

253

Financial Strength

Capital Markets Depth & Development

11.1% shared · 1,318 families in both

China

United States

Japan

South Korea

Cayman Islands

1,322

1,185

384

363

253

Strategic Infrastructure

Payments & Settlement Systems

10.5% shared · 3,226 families in both

United States

Japan

China

South Korea

Germany

8,689

3,604

3,322

2,540

750

Production & Innovation

Services Economy

9.1% shared · 7,657 families in both

United States

Japan

South Korea

China

Germany

24,048

16,321

11,491

8,566

3,398

Financial Strength

Currency Issuance & Digital Money

7.2% shared · 1,733 families in both

United States

Japan

China

South Korea

Germany

4,952

2,438

1,902

1,526

1,399

Financial Strength

Financial Inclusion & Household Access

5.7% shared · 922 families in both

United States

South Korea

China

Japan

France

3,362

961

951

791

329

Crosswalk

How Banks, Insurers & Systemic Institutions is matched to the patent classifications. The entries below were chosen for it; each stands for itself and everything beneath it in the scheme, 64 Cooperative entries in all. A patent family counts when any of its codes, in either scheme and at any office, falls under one of them. Codes since retired are placed under the entries that replaced them.

EntryTitle in the schemeWhy it is chosenCPC codesIPC codesDocuments
G06Q40/02Banking, e.g. interest calculation or account maintenanceBanking systems: accounts and interest11185,436
G06Q40/03Credit; Loans; Processing thereofCredit and loan processing14139,850
G06Q40/06Asset management; Financial planning or analysisAsset management and financial planning9146,490
G06Q40/08InsuranceInsurance systems16154,837
G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machinesAutomated teller machines and banking terminals14165,002

CPC and IPC codes are the codes in use on patent documents, at any office, that fall under the entry. Documents is the larger of the two schemes' counts of documents carrying one of them. An entry with no IPC codes can be told apart only in the Cooperative scheme.

The Cooperative codes in use that count towards Banks, Insurers & Systemic Institutions: 64 codes on 275,278 documents. The full crosswalk is in the cpc-to-capability.csv download.

CodeTitleUnder entryHow placedDocuments
G06Q40/02Banking, e.g. interest calculation or account maintenanceG06Q40/02In the scheme68,345
G06Q40/08InsuranceG06Q40/08In the scheme53,519
G06Q40/06Asset management; Financial planning or analysisG06Q40/06In the scheme45,735
G06Q40/03Credit; Loans; Processing thereofG06Q40/03In the scheme38,808
G07F19/20Automatic teller machines [ATMs]G07F19/00In the scheme17,652
G07F19/201Accessories of ATMsG07F19/00In the scheme9,607
G07F19/205Housing aspects of ATMsG07F19/00In the scheme6,098
G07F19/202Depositing operations within ATMsG07F19/00In the scheme5,943
G07F19/203Dispensing operations within ATMsG07F19/00In the scheme4,888
G07F19/207Surveillance aspects at ATMsG07F19/00In the scheme4,038
G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machinesG07F19/00In the scheme3,676
G07F19/211Software architecture within ATMs or in relation to the ATM networkG07F19/00In the scheme3,615
G07F19/206Software aspects at ATMsG07F19/00In the scheme3,595
G07F19/209Monitoring, auditing or diagnose of functioning of ATMsG07F19/00In the scheme2,854
G07F19/2055Anti-skimming aspects at ATMsG07F19/00In the scheme1,867
G07F19/204Loading of a stored value token using an ATMG07F19/00In the scheme433
G07F19/208Use of an ATM as a switch or hubG07F19/00In the scheme378
G07F19/21Retaining of the payment card by ATMsG07F19/00In the scheme358
G06Q40/024Anti-fraud, anti-money laundering or know-your-customerG06Q40/02In the scheme236
G06Q40/09Insurance using artificial intelligence, machine learning or neural networksG06Q40/08In the scheme227
G06Q40/0631Asset management predictions or forecasting using artificial intelligence, machine learning or neural networksG06Q40/06In the scheme195
G06Q40/084Insurance by insurance claims processingG06Q40/08In the scheme182
G06Q40/063Asset management predictions or forecastingG06Q40/06In the scheme174
G06Q40/062Investment screening, selection or watchlistG06Q40/06In the scheme161
G06Q40/033Analysing or forecasting financial condition of borrowersG06Q40/03In the scheme157
G06Q40/03055Platforms for credit or lending product research, comparison or matching using artificial intelligence, machine learning or neural networksG06Q40/03In the scheme152
G06Q40/082Insurance platforms for insurance research, comparison or matching insurance customers and providers using insurance risk factorsG06Q40/08In the scheme148
G06Q40/0305Platforms for credit or lending product research, comparison or matchingG06Q40/03In the scheme136
G06Q40/0822Insurance platforms for insurance research, comparison or matching insurance customers and providers using insurance risk factors by determining insurance risk or faultG06Q40/08In the scheme135
G06Q40/022Management of bank accounts, e.g. opening or closing of bank accounts, new customer bank accountsG06Q40/02In the scheme125
G06Q40/086Insurance by calculating insurance premiums for insurance policiesG06Q40/08In the scheme107
G06Q40/034Loan servicingG06Q40/03In the scheme106
G06Q40/023Banking, e.g. interest calculation or account maintenance specially adapted for online bankingG06Q40/02In the scheme105
G06Q40/031Credit restrictions on particular classes of purchases or children accountsG06Q40/03In the scheme95
G06Q40/0222Monitoring, detecting or alert notifications of bank account eventsG06Q40/02In the scheme91
G06Q40/083Insurance using fraud detection or prevention analysisG06Q40/08In the scheme84
G06Q40/0841Insurance by insurance claims processing using image analysisG06Q40/08In the scheme82
G06Q40/0842Insurance by insurance claims processing using sensorsG06Q40/08In the scheme77
G06Q40/064Asset management; Financial planning or analysis including visualisation for planning or analysisG06Q40/06In the scheme75
G06Q40/039Personal or business loansG06Q40/03In the scheme74
G06Q40/026Banking interfacesG06Q40/02In the scheme69
G06Q40/03251Account notification, monitoring, detecting, or reporting therefor specially adapted for detecting or preventing credit or loan fraud using artificial intelligence, machine learning or neural networksG06Q40/03In the scheme68
G06Q40/085Insurance for coordinating insurance risk prevention measures for insurance policy coverageG06Q40/08In the scheme63
G06Q40/08221Insurance platforms for insurance research, comparison or matching insurance customers and providers using insurance risk factors by determining insurance risk or fault using vehicle data and driving dataG06Q40/08In the scheme62
G06Q40/032Account notification, monitoring, detecting, or reporting thereforG06Q40/03In the scheme60
G06Q40/0325Account notification, monitoring, detecting, or reporting therefor specially adapted for detecting or preventing credit or loan fraudG06Q40/03In the scheme59
G06Q40/068Investment funding including crowdfunding or crowdlendingG06Q40/06In the scheme54
G06Q40/0821Insurance platforms for insurance research, comparison or matching insurance customers and providers using insurance risk factors by recommending insurance products, customers or providers based on risk analysisG06Q40/08In the scheme52
G06Q40/038Car or vehicle loansG06Q40/03In the scheme50
G06Q40/036MortgagesG06Q40/03In the scheme44
G06Q40/066Retirement planningG06Q40/06In the scheme38
G06Q40/0221Intra-bank account relationships, e.g. sub-accounts, linked or joint accountsG06Q40/02In the scheme36
G06Q40/0861Insurance by calculating insurance premiums for insurance policies using sensorsG06Q40/08In the scheme34
G06Q40/065BudgetingG06Q40/06In the scheme31
G06Q40/035Credit; Loans; Processing thereof using financial equations or formulasG06Q40/03In the scheme29
G06Q40/0225Bank transfers not related to payment transactionsG06Q40/02In the scheme28
G06Q40/067Financial business planningG06Q40/06In the scheme27
G06Q40/08223Insurance platforms for insurance research, comparison or matching insurance customers and providers using insurance risk factors by determining insurance risk or fault by calculating potential insurance loss valueG06Q40/08In the scheme27
G06Q40/029Banking at kiosks, computers, point of sale [POS] terminals or automated teller machines [ATM]G06Q40/02In the scheme23
G06Q40/087Insurance using annuitiesG06Q40/08In the scheme22
G06Q40/028Processing paper chequesG06Q40/02In the scheme21
G06Q40/0223For planning or pre-staging a bank account transactionG06Q40/02In the scheme20
G06Q40/08222Insurance platforms for insurance research, comparison or matching insurance customers and providers using insurance risk factors by determining insurance risk or fault by calculating actual insurance loss valueG06Q40/08In the scheme16
G06Q40/037Revolving line of creditG06Q40/03In the scheme12
Match: Through its tools
The classification names the equipment or technology the capability draws on, not the capability. The count says how much is being invented for it, not how well it is done. The capability is about institutions; these entries only show the data-processing and terminal technology they use. The crosswalk is a first pass that nobody has reviewed.

Other capabilities in Financial Infrastructure