近年来，区块链在银行业内被广泛应用，作为金融科技领域的热门话题之一，其优越的去中心化、可追溯、防篡改等特点受到了银行业的高度关注。从专利角度分析，银行区块链应用的领域包括数字货币、智能合约、贸易金融、风险控制等。以下是筛选出的7个应用场景的案例分析。
In recent years, block chains have been widely used in the banking sector as one of the most topical topics in financial science and technology, and their superior features, such as decentralisation, traceability, anti-polysis, etc., have received a high degree of attention from the banking sector. From a patent point of view, the banking chain has been applied in areas such as digital money, smart contracts, trade finance, risk control, etc. The following is a case-by-case analysis of seven selected applications.
数字货币是银行区块链应用的主要方向之一。美国银行申请了一项名为“去中心化虚拟货币转换系统”的专利。该系统将使用区块链技术，通过去中心化的方式，处理虚拟货币转换的交易，并通过验证过程确保交易的安全与准确性。
Digital currency is one of the main directions in the application of the banking block chain. American banks apply for a patent called “decentralized virtual money conversion system.”
智能合约是指利用区块链技术实现的自动化合约。花旗银行的专利“智能合约支付技术”完成了智能合约与支付系统的融合，能够在特定条件下自动执行交易，并在发生任何问题时停止交易。
Smart contracts are automated contracts using block chain technology. Citibank’s proprietary “smart contract payment technology” completes the integration of smart contracts with payment systems, allows transactions to be executed automatically under certain conditions and stops when any problems arise.
区块链技术还应用于银行贸易金融领域。渣打银行提交的专利“银行贸易金融交易系统”通过将交易信息存储到区块链中，实现信息共享、准确性验证和自动化流程等功能，提高了贸易金融的效率。
Block chain technology should also be used in the area of bank trade finance. The patent “bank trade financial transaction system” submitted by Chartered banks improves the efficiency of trade finance by storing transactional information into the block chain and achieving such functions as information-sharing, accuracy validation and automated processes.
银行区块链应用还可以实现风险控制。中国银行的专利“基于区块链技术的反欺诈系统”通过区块链技术实现了信息共享，并能够快速跟踪账户变更情况，降低欺诈行为的风险。
Bank block chain applications can also achieve risk control. China’s patent “An anti-fraud system based on block chain technology” enables information-sharing through block chain technology and can quickly track account changes and reduce the risk of fraud.
普惠金融是区块链技术在银行业的又一个应用方向。比如交通银行的专利“助贷管理系统及助贷管理方法”采用了区块链技术，实现了资产安全、信息透明和智能风控等功能，有效支持普惠金融业务的开展。
Inclusive finance is another direction in which block-chain technology is applied in the banking sector. For example, the Transport Bank’s patent “aid management system and loan management approach” uses block-chain technology, achieving asset security, information transparency and smart wind control functions, and effectively supporting inclusive financial operations.
通证化资产指的是将传统资产或权益通过数字化方式转换为通证发行在区块链上。招商银行的专利“通证化区块链信托管理系统及方法”采用区块链技术将信托资产转换为通证进行交易，大幅降低报告成本，提高了信息透明度。
Transmittal assets refer to the digitized conversion of traditional assets or interests into tradables on the block chain. The patent “Transmittal Block Chain Trust Management System and Methods” of a commercial bank uses block chain technology to convert trust assets into tradables, significantly reducing the cost of reporting and increasing the transparency of information.
区块链技术还可以应用于金融交易领域，提高交易的可追溯性和可靠性。招银云创的专利“基于区块链为金融交易提供高可靠性的方法”利用区块链技术构建分布式账本管理系统，实现了交易信息存储、验证和传输的高可靠性。
Block chain technology can also be applied in the area of financial transactions to improve the traceability and reliability of transactions. The silver cloud-initiated patent “A high-reliability approach to financial transactions based on block chains” uses block chain technology to construct distributed account management systems that achieve high-reliability for the storage, validation and transmission of trade information.
总之，银行区块链应用的潜力巨大，还有很多领域有待进一步拓展。在金融科技日益成为主流的时代背景下，区块链技术必将在银行业内广泛应用。
In short, there is great potential for banking block chain applications, and there are many areas that need to be further developed. In the context of an era in which financial science and technology are becoming increasingly mainstream, block chain technology is bound to be widely applied in the banking sector.
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