Litigation Quality Patents®

Fintech Patent Attorney

Fintech patents face some of the toughest eligibility scrutiny at the USPTO. We focus claims on the specific technical improvement, not the financial concept, to give your innovation the best chance of protection.

Complimentary Patent Needs Assessment See All Industries

What We Protect in Fintech

Patentable fintech work usually improves how financial technology operates. We protect:

Payment processing systems — Faster, more secure or more reliable ways to authorize, route and settle payments.
Fraud detection and security — Authentication, anomaly detection and data-protection techniques.
Trading and investment platforms — Systems for executing, matching or analyzing transactions at scale.
Data and analytics infrastructure — Architectures for processing and securing financial data.
Digital assets and blockchain — Custody, tokenization and settlement technology.

Claims that describe a financial idea, such as hedging risk or a new fee structure, are usually rejected as abstract. Claims that describe how a computer system does something better are much stronger, and that is the angle we take.

Related Patent Types

Most fintech inventions draw on one or more of the patent types we prepare:

Software Patents Electrical Patents

Why Work With Thompson Patent Law

Fintech patents are won or lost on claim drafting. Craige Thompson has more than 20 years of patent experience and an engineering background, so he can find the technical improvement inside your platform and claim it in a way that is more likely to survive a §101 challenge.

Have a fintech invention to protect?

Tell us about your invention in a Complimentary Patent Needs Assessment. We’ll tell you honestly whether it’s patentable, what it would take to protect it, and what it would cost.

Get a Complimentary Patent Needs Assessment

Frequently Asked Questions

Can fintech software be patented?

Yes, when the claims are directed to a specific technical improvement, such as a faster, more secure or more efficient way for computers to process financial data, and not to the financial concept itself.

Why are fintech patents often rejected?

Many fintech applications are rejected under 35 U.S.C. 101 as abstract ideas after the Supreme Court’s Alice decision. Framing the claims around technical improvements is the best way to avoid this.

Is it worth patenting a fintech product?

It can be, especially if your advantage comes from technology that competitors could copy. Patents can also support fundraising and partnerships. We help you weigh the cost against the value in a Complimentary Patent Needs Assessment.

Should I file before launching my app?

Ideally, yes. A public launch starts the one-year US grace period and can bar patents in most other countries. Filing at least a provisional application first keeps your options open.

How long does a fintech patent take?

Often 2 to 3+ years, because software-related art units have longer backlogs. Track One prioritized examination can shorten this for an added fee.