First National City Bank of New York made 19 related patent applications to the main land of China.However, according to Chinese Patent Law, patent has never been granted to SBM or BM.

• 美国花旗银行已经向中国大陆提出了19项这方面的专利申请，而按照中国的专利法律，一般观点认为对于商业方法软件不能授予专利。