CN113129016A - Medical insurance payment method, device and equipment - Google Patents

Medical insurance payment method, device and equipment Download PDF

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CN113129016A
CN113129016A CN202110482844.4A CN202110482844A CN113129016A CN 113129016 A CN113129016 A CN 113129016A CN 202110482844 A CN202110482844 A CN 202110482844A CN 113129016 A CN113129016 A CN 113129016A
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medical insurance
user
information
electronic certificate
platform
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CN113129016B (en
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罗亮
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AlipayCom Co ltd
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Alipay Hangzhou Information Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices

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Abstract

The embodiment of the specification discloses a method, a device and equipment for paying medical insurance. The method comprises the following steps: the second platform receives operation information selected by a user according to a payment mode of a target order; when the operation information shows that the payment mode selected by the user for the target order is medical insurance payment, a medical insurance payment request for the target order is sent to a first platform, the first platform obtains the medical insurance payment request, the state information of the medical insurance electronic certificate corresponding to the user identification is determined, when the state information shows that the medical insurance electronic certificate belongs to an inactivated state, prompt information is generated, and the prompt information is sent to a user terminal through a second platform to be displayed.

Description

Medical insurance payment method, device and equipment
Technical Field
The application relates to the technical field of internet, in particular to a medical insurance payment method, device and equipment.
Background
Medical insurance payment is an important link for basic medical insurance management and deepening medical improvement, and is an important lever for adjusting medical service behaviors and guiding medical resource allocation. As a third party payment, medical insurance stands a balance of public health and industry interests, and does not claim peace, but the balance of sight and system sight becomes the key to development. With the development of medical science and technology, the improvement of the economic level of people and the enhancement of the safety and health consciousness of insured personnel, the medical expenses continuously rise, and the medical expenses are paid more and more by using medical insurance.
With the rapid development of internet technology, mobile payment takes an important position in life. In order to further facilitate the payment of medical insurance, the payment of medical insurance is transferred to the online, and the user does not need to carry the electronic certificate of medical insurance to a shop to pay by swiping a card of medical insurance, and can directly use the mobile phone to complete the payment of medical insurance.
Based on this, there is a need to provide a more reliable medical insurance payment method.
Disclosure of Invention
The embodiment of the specification provides a medical insurance payment method, device and equipment, and aims to solve the problem of low medical insurance payment efficiency of an existing medical insurance payment method.
In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:
the medical insurance payment method provided by the embodiment of the specification comprises the following steps:
the first platform acquires a medical insurance payment request initiated by the second platform for the target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of the medical insurance electronic certificate corresponding to the user identifier; the state information is used for representing the activation state of the medical insurance electronic certificate;
when the state information indicates that the medical insurance electronic certificate belongs to an inactivated state, prompt information is generated; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal through the second platform for displaying.
The medical insurance payment method provided by the embodiment of the specification comprises the following steps:
the second platform receives operation information selected by a user according to a payment mode of a target order;
when the operation information indicates that the payment mode for the target order selected by the user is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
An embodiment of this specification provides a medical insurance payment device, includes:
the system comprises a medical insurance payment request initiating module, a first platform and a second platform, wherein the medical insurance payment request initiating module is used for the first platform to obtain a medical insurance payment request initiated by the second platform for a target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the medical insurance electronic certificate state information determining module is used for determining the state information of the medical insurance electronic certificate corresponding to the user identification; the state information is used for representing the activation state of the medical insurance electronic certificate;
the prompt information generation module is used for generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactivated state; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and the prompt information display module is used for sending the prompt information to the user terminal through the second platform for displaying.
An embodiment of this specification provides a medical insurance payment device, includes:
the operation information receiving module is used for receiving operation information selected by a user according to the payment mode of the target order by the second platform;
the medical insurance payment request sending module is used for sending a medical insurance payment request for the target order to the first platform when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the prompt message receiving module is used for receiving the prompt message generated by the first platform; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and the prompt information sending module is used for sending the prompt information to the terminal of the user for display.
An embodiment of this specification provides a medical insurance payment equipment, includes:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
the first platform acquires a medical insurance payment request initiated by the second platform for the target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of the medical insurance electronic certificate corresponding to the user identifier; the state information is used for representing the activation state of the medical insurance electronic certificate;
when the state information indicates that the medical insurance electronic certificate belongs to an inactivated state, prompt information is generated; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal through the second platform for displaying.
An embodiment of this specification provides a medical insurance payment equipment, includes:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
the second platform receives operation information selected by a user according to a payment mode of a target order;
when the operation information indicates that the payment mode for the target order selected by the user is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
A computer-readable medium is provided in an embodiment of the present specification, having computer-readable instructions stored thereon, the computer-readable instructions being executable by a processor to implement a method of medical insurance payment.
One embodiment of the present description can achieve the following advantageous effects: the method comprises the steps that a medical insurance payment request initiated by a second platform aiming at a target order is obtained through a first platform, state information of a medical insurance electronic certificate corresponding to a user identification is determined, the state information is used for representing the activation state of the medical insurance electronic certificate, when the state information represents that the medical insurance electronic certificate belongs to the non-activation state, prompt information is generated, and the prompt information is sent to a user terminal through the second platform to be displayed. According to the method, when the second platform receives a medical insurance payment request of a user, the second platform sends the medical insurance payment request to the first platform, the first platform judges whether the user has a medical insurance electronic certificate and whether the medical insurance electronic certificate of the user is activated based on the medical insurance payment request, then the first platform guides the user to complete activation of the medical insurance electronic certificate and subsequent payment, a payment front-end assembly is displayed on the first platform, related authorization content of the front-end of user business is displayed in the assembly, the front-end business can be directly handled after the user agrees, and links and experiences of the user using the payment service are optimized to the greatest extent. Therefore, the user understanding cost is reduced, the user operation efficiency is improved, and skipping and user loss of the whole link are reduced.
Drawings
In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.
FIG. 1 is a schematic diagram illustrating a process of binding an electronic medical insurance voucher during a payment process of a conventional medical insurance;
fig. 2 is a scene interaction diagram of a medical insurance payment method provided in an embodiment of the present specification;
fig. 3 is a schematic flow chart of a medical insurance payment method on a first platform side provided in an embodiment of the present specification;
FIG. 4 is a schematic interface diagram illustrating a payment process of medical insurance provided in an embodiment of the present disclosure;
fig. 5 is a schematic flow chart of a medical insurance payment method on the second platform side provided in an embodiment of the present specification;
FIG. 6 is a schematic diagram of a medical insurance payment apparatus on a first platform side provided in an embodiment of the present disclosure;
FIG. 7 is a schematic diagram of a medical insurance payment apparatus on a second platform side provided in an embodiment of the present specification;
fig. 8 is a schematic view of a medical insurance payment apparatus provided in an embodiment of the present specification.
Detailed Description
To make the objects, technical solutions and advantages of one or more embodiments of the present disclosure more apparent, the technical solutions of one or more embodiments of the present disclosure will be described in detail and completely with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present specification, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from the embodiments given herein without making any creative effort fall within the protection scope of one or more embodiments of the present disclosure.
The medical insurance electronic certificate is also called medical insurance card, is a functional card containing a chip and is used for identity confirmation and medical insurance personal account payment during medical or pharmacy consumption. It uses personal ID card as identification code, and stores and records the detailed information of personal ID card number, name and consumption condition, etc.
With the development of social economy, the medical insurance payment is developed from the traditional card swiping payment carried by a user by the medical insurance electronic certificate to the online medical insurance payment, and the user can finish the medical insurance payment by using the mobile phone terminal bound with the medical insurance electronic certificate without carrying the medical insurance electronic certificate.
The medical insurance electronic certificate can represent medical insurance identity identification electronic media which are issued by a national medical insurance bureau information platform in a unified mode and generated for all the personnel participating in the insurance based on the medical insurance basic information base. The medical insurance electronic certificate forms an electronic identifier by a real-name/real-person authentication technology and adopting an encryption algorithm, and has the important characteristics of safety, reliability, unique authentication and the like. The ginseng insurance people can enjoy various online medical insurance services including medical insurance business handling, medical insurance account inquiry, medical insurance treatment and medicine purchase payment through the electronic certificate.
The medical insurance electronic certificate has the functions of identity certificate, information recording, self-service inquiry, medical insurance settlement, payment and treatment acquisition, medical insurance business handling and the like, and ensures that the masses can efficiently and safely enjoy various public services of medical security departments on the Internet. The insurer can be activated for use through the national medical insurance service APP, or through other third party platforms authorized by the national medical insurance bureau certification.
The online payment scene mainly comprises online medical insurance payment for purchasing medicine and hospital small procedure medical insurance payment. In a payment scenario, there are many specific payment services that require pre-dependencies, such as: and paying the medical insurance online. The online medical insurance payment requires that a user binds an electronic medical insurance certificate in advance in an application program with a payment function of the mobile phone, for example, the online payment of social insurance requires that the user binds an electronic social insurance card and the like, and the preposed services need to separately guide the user to bind services such as the electronic medical insurance certificate and the like before payment in a business scene.
When the medical insurance electronic certificate is bound in the application program with the payment function, a user needs to understand the flow of the bound medical insurance electronic certificate and independently complete the card binding action on the basis of understanding the functions of the payment platform.
Fig. 1 is a schematic diagram illustrating a process of binding a medical insurance electronic certificate in a conventional medical insurance payment process. The platform that the whole in-process related has purchase medicine platform and payment platform.
As shown in fig. 1, the whole process of settling the medicine by using medical insurance payment is divided into five operation interfaces, which may be a pre-payment interface 101, a medical insurance binding guidance interface 103, an identity verification interface 105, a payment checking interface 107 and a password input interface 109. The prepaid interface 101 includes information of the medicine selected for purchase by the user, money amount information, user address information, payment mode information, agreement information, and confirmation information of payment agreement.
When the user clicks the button of 'immediate payment' in the pre-payment interface 101, the payment platform firstly judges whether the user has the condition of medical insurance payment (the user has the medical insurance electronic certificate and activates the medical insurance electronic certificate); if the user does not have the condition of medical insurance payment at present, a medical insurance binding guidance interface 103 is displayed for the user, and the medical insurance binding guidance interface 103 may include confirmation information (such as agreement and acceptance in the figure) for prompting the user to authorize and activate the medical insurance electronic certificate, and may also include information such as a medical insurance electronic certificate related agreement corresponding to the activation of the medical insurance electronic certificate.
When the user clicks a button of agreement and acquisition in the medical insurance binding guidance interface 103, an authentication interface 105 is displayed for the user, the name abbreviation and the certificate number abbreviation of the user are displayed in the authentication interface 105, the user is prompted to shoot the face, and the user clicks the button of face acquisition of the user to finish shooting.
However, after the authentication is completed, it is necessary to jump to the prepaid interface again, pull up the payment cashier in the prepaid interface, that is, corresponding to the payment checking interface 107, where the payment checking interface 107 may include a payment account number and a payment method, and the user checks that "immediate payment" in the interface is clicked, jumps to the password input interface 109, and inputs the password to complete payment.
In the whole process, the user needs to jump to the payment platform twice, namely if the medical insurance electronic certificate is not bound, the user needs to quit the current payment operation, and jump to the interface for binding the medical insurance electronic certificate to finish the binding of the medical insurance electronic certificate according to the prompt. And then returning to the payment interface to finish order payment by using a medical insurance payment mode. For example: and the payment platform and the medicine purchasing platform cooperate to purchase the medicine and medical insurance payment and settlement service on line. According to the requirements of organizations such as national medical insurance organizations, local medical insurance organizations and the like, a user initiates medical insurance settlement on a medicine purchasing platform and must first arrive at a payment platform to activate a medical insurance electronic certificate. Therefore, when the user purchases the medicine in the medicine purchasing platform for payment, the medicine purchasing platform needs to guide the user to complete activation of the medical insurance electronic certificate, otherwise, the user cannot initiate medical insurance payment. The medicine purchasing platform needs to additionally understand the business logic of the medical insurance electronic certificate, and the docking cost is high; for the user, the user needs to jump from the shopping platform to the payment platform for multiple times to bind the card and complete payment, so that the user experience is poor.
Therefore, a more reliable medical insurance payment method is provided in the embodiments of the present specification, so as to simplify a service link, and pre-combine the card binding service into the payment action of the payment platform, thereby reducing user understanding cost, improving the operation efficiency of the card binding of the user, and reducing user loss caused by skip and the whole link.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
Next, a medical insurance payment method provided in an embodiment of the specification will be specifically described with reference to the accompanying drawings:
fig. 2 is a scene interaction diagram of a medical insurance payment method provided in an embodiment of the present specification.
As shown in fig. 2, the objects involved in the medical insurance payment scenario are: a user 201, a medicine purchasing platform 203, an online or offline pharmacy 205, a payment platform 207, and a medical insurance institution 209. The online or offline pharmacy 205 platform 203 has a cooperative relationship with the medicine purchasing platform 203, the online or offline pharmacy 205 can enter the medicine purchasing platform 203, specifically, each pharmacy can sign an entering agreement and submit merchant information to the medicine purchasing platform 203, and the pharmacy is approved to enter the pharmacy after the pharmacy qualification is checked by the medicine purchasing platform 203. The user 201 can select to purchase the medicines of each resident pharmacy in the medicine purchasing platform 203, when medical insurance payment is needed, the medicine purchasing platform 203 initiates a medical insurance payment request to the payment platform 207, a cash register of the payment platform is pulled up, the payment platform 207 judges the state information of the medical insurance electronic certificate of the user 201, if the user 201 does not activate the medical insurance electronic certificate, the payment platform 207 calls medical insurance industry activation service to prompt the user to complete face verification, and after the face verification is passed, the quick activation of the medical insurance electronic certificate is completed. The user 201 having activated the medical insurance electronic certificate initiates a medical insurance settlement transaction with the medical insurance institution 209 by the payment platform 207. The payment platform 207 then returns the settlement result to the medicine purchasing platform 203, and the medicine purchasing platform 203 arranges the corresponding pharmacy to complete the distribution service of the medical insurance medicine based on the settlement result.
The cash register can be pulled up at the user side when the merchant calls the receipt payment product of the payment application program, the cash register can display specific cash amount, payment mode and payment account, and the user can finish payment by verifying the identity of the user after confirming payment.
Example 1
Fig. 3 is a schematic flow chart of a medical insurance payment method on the first platform side provided in an embodiment of the present specification. From the viewpoint of a program, the execution subject of the flow may be a program installed in an application server or an application client. In this embodiment, the interactive objects involved may include a user, a first platform, a second platform, and a medical insurance institution. Wherein the first platform may be a platform with payment functionality. The second platform may be a take-away living platform, a shopping platform, or other platform capable of purchasing medication or purchasing items using medical insurance payments. In this embodiment, the execution main body may be a platform having a payment function.
As shown in fig. 3, the process may include the following steps:
step 310: the first platform acquires a medical insurance payment request initiated by the second platform for the target order; the medical insurance payment request at least comprises a user identification corresponding to the target order.
Taking the purchase of a drug as an example, the target order may represent an order corresponding to the drug selected for purchase by the user on the second platform for payment.
The user selects the payment mode of 'medical insurance payment' in the second platform, and the second platform receives the payment mode of 'medical insurance payment' selected by the user. However, when paying, the shopping platform needs to send order information to the payment platform, and the payment platform completes payment. Therefore, when the user selects the medical insurance payment method and clicks the payment button, the shopping platform can send a medical insurance payment request to the payment platform. The medical insurance payment request can represent that the payment platform is requested to complete payment for the target order in a medical insurance payment mode. Specifically, the medical insurance payment request sent by the shopping platform to the payment platform may include at least a user identifier corresponding to the target order.
It should be noted that the user identification information may represent information for uniquely identifying the user identity, such as: the user identification information may be a user ID. The user ID may be an account number registered by the user on the payment platform, or an account number assigned to the user by a system of the shopping platform when the user initiates a payment request on the shopping platform. Such an account number may be, for example, a string of characters. The user ID should be able to uniquely identify a user. For an individual user, the user ID may also be an identification number if the certificate type is unified with the identification card.
Step 320: determining state information of the medical insurance electronic certificate corresponding to the user identifier; the state information is used for representing the activation state of the medical insurance electronic certificate.
The status information may indicate whether the medical insurance electronic certificate is activated, and specifically, the status information of the medical insurance electronic certificate may include an activated status and an inactivated status.
Step 330: when the state information indicates that the medical insurance electronic certificate belongs to an inactivated state, prompt information is generated; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate.
When the payment platform detects that the medical insurance electronic certificate of the user corresponding to the target order is not activated, the user needs to be guided to complete activation of the electronic medical insurance certificate.
The prompt may be system-generated by the payment platform and the presentation of the prompt may be presented on the user terminal. The first prompt message can comprise a payment mode, a payment amount, an option button for opening the electronic medical insurance certificate and an authorization button for authorizing and activating the electronic medical insurance certificate. When the electronic medical insurance certificate is detected not to be activated by the user, the option button for opening the electronic medical insurance certificate is automatically opened.
Step 340: and sending the prompt information to a user terminal through the second platform for displaying.
The generation of the prompt message is completed by the payment platform, and the display of the prompt message is displayed by the mobile phone terminal of the user, so that the payment platform can send the generated prompt message to the user terminal, and the user terminal displays the prompt message.
It should be understood that the order of some steps in the method described in one or more embodiments of the present disclosure may be interchanged according to actual needs, or some steps may be omitted or deleted.
In the method in fig. 3, a medical insurance payment request initiated by a second platform for a target order is acquired through a first platform, state information of a medical insurance electronic certificate corresponding to a user identifier is determined, the state information is used for representing an activated state of the medical insurance electronic certificate, when the state information represents that the medical insurance electronic certificate belongs to an inactivated state, prompt information is generated, and the prompt information is sent to a user terminal through the second platform to be displayed. According to the method, when the second platform receives a medical insurance payment request of a user, the second platform sends the medical insurance payment request to the first platform, the first platform judges whether the user has a medical insurance electronic certificate and whether the medical insurance electronic certificate of the user is activated based on the medical insurance payment request, then the first platform guides the user to complete activation of the medical insurance electronic certificate and subsequent payment, a payment front-end assembly is displayed on the first platform, related authorization content of the front-end of user business is displayed in the assembly, the front-end business can be directly handled after the user agrees, and links and experiences of the user using the payment service are optimized to the greatest extent. Therefore, the user understanding cost is reduced, the user operation efficiency is improved, and skipping and user loss of the whole link are reduced.
Wherein the payment front component may represent a component for activating the medical insurance electronic voucher.
Based on the method of fig. 3, the present specification also provides some specific embodiments of the method, which are described below.
Optionally, after the sending the prompt information to the user terminal through the second platform for displaying, the method may further include:
receiving confirmation operation information of the user for the prompt information;
activating the medical insurance electronic certificate based on the confirmation operation information;
and completing medical insurance payment based on the medical insurance electronic certificate.
It should be noted that, after the user authorizes the opening of the electronic medical insurance certificate in the terminal interface, the payment platform activates the electronic medical insurance certificate corresponding to the user identifier, and after activation, payment is completed based on the activated electronic medical insurance certificate.
Further, the activating the medical insurance electronic certificate based on the confirmation operation information may specifically include:
based on the confirmation operation information, performing identity verification on the user to obtain a verification result;
and when the verification result shows that the identity verification of the user passes, activating the medical insurance electronic certificate of the user.
Specifically, when the electronic medical insurance certificate of the user is activated, the user needs to be subjected to identity verification in consideration of security, and the activation of the electronic medical insurance certificate of the user can be completed after the identity verification is successful.
It should be noted that the medical insurance can be divided into the basic medical insurance of the employees in the town, the basic medical insurance of the new agriculture and union, the basic medical insurance of the residents in the town and the medical insurance of the retired cadres. And correspondingly. There are also many types of medical insurance electronic certificates. Therefore, when the electronic medical insurance certificate of the user is activated, the type of the electronic medical insurance certificate corresponding to the user identifier can be inquired from the block chain network based on the user identifier corresponding to the target order; and then the payment platform activates the medical insurance electronic certificate corresponding to the user based on the type of the medical insurance electronic certificate. For example: and the user A corresponds to the new agricultural and rural medical insurance, and then, when the user A is activated, the medical insurance electronic certificate corresponding to the new agricultural and rural medical insurance of the user A is intelligently activated.
Optionally, the identity verification is performed on the user based on the confirmation operation information to obtain a verification result, which may specifically include:
collecting the biological characteristic information of the user;
matching the biological characteristic information with biological characteristic information prestored in a block chain network based on the biological characteristic information to obtain a matching result; the block chain network stores the corresponding relation between the user identification and the biological characteristic information;
and when the matching result shows that the biological characteristic information is consistent with the biological characteristic information prestored in the block chain network, determining that the identity of the user passes the verification.
In the identity verification, the verification may be performed based on biometric information of the user. It should be noted that the biometric features may include physical features of the user, such as fingerprints, veins, palm shape, retina, iris, face, and so on. When the user registers the account in the first platform, the biological characteristic information can be input in advance to finish the identity authentication. In the subsequent process, when the first platform needs to verify the identity of the user, the biological characteristic information of the user can be collected and compared with the biological characteristic information stored in advance, if the biological characteristic information is consistent, the identity verification of the user can be determined to be passed, and if the biological characteristic information is inconsistent, the identity verification of the user is determined not to be passed.
The biological characteristic information pre-entered by the user in the first platform and the identity authentication information of the user can be stored in the block chain network, and particularly, when the biological characteristic information is stored, the mapping relation between the user identification and the biological characteristic information of the user can be stored.
In the above steps, the corresponding relationship between the user identifier and the biometric information is stored in the blockchain network, and the technology of the blockchain network is applied to ensure the security of the stored information.
A Block Chain Network (Block Chain Network) is a brand new distributed infrastructure and a computing mode, wherein a Block Chain type data structure is used for verifying and storing data, a distributed node consensus algorithm is used for generating and updating the data, a cryptology mode is used for ensuring the safety of data transmission and access, and an intelligent contract consisting of automatic script codes is used for programming and operating the data. The blockchain network is composed of a plurality of nodes, and when each node broadcasts information or blocks to the blockchain network, all the nodes can receive the information or blocks and verify the received blocks. When the ratio of the number of the nodes passing the block verification to the total number of the nodes in the whole block chain network is larger than a preset threshold value, the block chain network is determined to pass the block verification, and all the nodes receive the block and store the block in a local node space. A node may be understood as an electronic device having a storage function, such as a server or a terminal. The blockchain network is mainly divided into a public chain, a federation chain and a private chain.
The Block chain (Block chain) may be understood as a data chain formed by sequentially storing a plurality of blocks, and a Block header of each Block includes a time stamp of the Block, a hash value of previous Block information, and a hash value of the Block information, thereby implementing mutual authentication between the blocks and forming a non-falsifiable Block chain. Each block can be understood as a data block (unit of storage data). The block chain as a decentralized database is a series of data blocks generated by correlating with each other by using a cryptographic method, and each data block contains information of one network transaction, which is used for verifying the validity (anti-counterfeiting) of the information and generating the next block. The block chain is formed by connecting the blocks end to end. If the data in the block needs to be modified, the contents of all blocks after the block need to be modified, and the data backed up by all nodes in the block chain network needs to be modified. Therefore, the blockchain has the characteristic of being difficult to tamper and delete, and the blockchain has reliability as a method for keeping the integrity of the content after the data is stored in the blockchain.
The block chain technology mainly has the properties of decentralization, non-tamper property, openness, transparency, traceability, collective maintainability and the like. The key technology of the block chain mainly relates to the following aspects:
(1) a consensus mechanism: since there is no center in the blockchain network, a preset rule is needed to guide each node to reach the agreement on data processing, and all data interaction is performed according to strict rules and consensus.
(2) The cryptography technology comprises the following steps: the cryptography technology is one of the core technologies of the blockchain, and the current blockchain application adopts a plurality of classical algorithms of modern cryptography, which mainly comprise: hash algorithms, symmetric encryption, asymmetric encryption, digital signatures, and the like.
(3) Distributed storage: the block chain is a distributed account book on a point-to-point network, and each participating node independently and completely stores and writes block data information. The advantages of distributed storage over traditional centralized storage are mainly reflected in two aspects: first, data information is backed up on each node, and data loss caused by single point failure is avoided. And secondly, the data on each node is independently stored, so that the historical data can be effectively prevented from being maliciously tampered by others.
(4) Intelligent contract: smart contracts allow for trusted transactions without a third party, and contracts will automatically execute transactions whenever one party achieves a pre-established goal of the agreement. These transactions are traceable and irreversible. The intelligent contract has the advantages of transparency, credibility, automatic execution and forced performance.
Based on the property of the block chain and the core technology, the corresponding relation between the user identification and the biological characteristic information is stored in the block chain network, and the safety of user data can be guaranteed by utilizing the property of the block chain based on the interaction between the payment platform and the block chain network. In addition, the state information of the medical insurance electronic certificate of the user may also be stored in the blockchain network, and specifically, after the activating the medical insurance electronic certificate of the user, the method may further include:
and sending the activation state information of the medical insurance electronic certificate to the block chain network so that the block chain network can update the state information of the medical insurance electronic certificate.
With the increasing number of users of the payment platform, the data amount stored in the database of the payment platform is larger and larger, so that the operating pressure of the server in the payment platform is increased, therefore, in order to reduce the storage pressure of the payment platform and the security of the user data, the user data can be stored in the blockchain network, and the payment platform and the blockchain network can have interaction. After the electronic certificate of medical insurance is activated, the payment platform can modify the original inactivated state into the activated state, and upload the state information of the corresponding electronic certificate of medical insurance to the block chain network for storage.
Optionally, a mapping relationship between the user identifier and the medical insurance electronic certificate identifier may also be stored in the block chain network;
the determining of the state information of the medical insurance electronic certificate corresponding to the user identifier may specifically include:
determining a medical insurance electronic certificate identifier corresponding to the user identifier from the block chain network;
and determining the state information corresponding to the medical insurance electronic certificate identifier from the block chain network.
The prompt message at least comprises an activation interface; the activation interface comprises an activation button in an on state.
By the method, the state information of the medical insurance electronic certificate is acquired from the block chain, so that the real validity of the acquired state information can be ensured. So that the payment platform can determine whether the medical insurance electronic certificate of the user needs to be activated more accurately based on the state information of the medical insurance electronic certificate.
The prompt message may include at least an activation interface; the activation interface comprises an activation button in an on state. The activation interface may refer to an interface that guides the user through the activation of the medical insurance electronic certificate.
Optionally, the completing of the medical insurance payment based on the medical insurance electronic certificate may specifically include:
sending a medical insurance settlement request to a medical insurance institution based on the medical insurance electronic certificate; the medical insurance settlement request at least comprises user identification, medical insurance electronic certificate information and amount information.
Optionally, after sending the medical insurance settlement request to the medical insurance institution, the method may further include:
receiving a settlement result returned by the medical insurance institution;
and sending the settlement result to the second platform.
When medical insurance payment is needed, the medical institution (such as a hospital or a pharmacy) or a medicine purchasing platform capable of selling medicines sends information of insured persons and consumption information to a medical insurance management institution (such as a medical insurance bureau) in an on-line medical insurance payment mode, the medical insurance management institution determines the amount of reimburseable medical insurance according to the acquired information and settles accounts, and after the calculation is completed, the settlement result is informed to the medical institution or the medicine purchasing platform.
Optionally, before completing the medical insurance payment based on the medical insurance electronic certificate, the method may further include:
receiving a password instruction input by the user in a password input interface;
acquiring prestored password information corresponding to the medical insurance electronic certificate from a block chain network;
comparing the password instruction input by the user with the password information;
and when the password instruction input by the user is consistent with the password information, completing payment based on the medical insurance electronic certificate.
Password information corresponding to each medical insurance electronic certificate is stored in the block chain network in advance. When medical insurance payment is conducted on a target order of a user, a medical insurance electronic certificate corresponding to a user identification and a payment password corresponding to the medical insurance electronic certificate can be obtained from a block chain network based on the user identification.
And during payment, requiring the user to input a payment password so as to further check the identity information of the user, and completing the payment aiming at the target order after the identity information is checked to be consistent.
By the method, the risk that the medical insurance electronic certificate is stolen to be brushed can be avoided.
To better explain the method steps in example 1, a further explanation can be made with reference to fig. 3:
fig. 4 is a schematic interface diagram of a medical insurance payment process provided in an embodiment of the present specification.
As shown in fig. 4, the medical insurance payment flow interface diagram provided in the embodiment of the present specification may correspond to four interfaces: a prepayment interface 401, a medical insurance activation guidance interface 403, an identity verification interface 405, and a password input interface 407. The prepaid interface 401 may include information about the medicine selected for purchase by the user, money amount information, user address information, payment method information, agreement information, and confirmation information of agreement to pay. The cash register of the payment platform is directly called in the prepaid interface 401, the cash register of the payment platform may include a payment account number of the user, a payment mode, a medical insurance certificate related protocol, and a function button for "opening an electronic medical insurance certificate", and similarly, the function button is automatically opened when the user does not activate the medical insurance electronic certificate. When the user activates the medical insurance electronic certificate, the function button and the protocol related to the medical insurance electronic certificate are not displayed.
The identity verification interface 405 may include a face collection area 409 for collecting face information of the user, and the user moves the face to the collection area and makes a specified action according to the prompt information, for example: blinking. The password input interface 407 may include a numeric keypad area 411 for a user to click and a password input area 413 for a user to input a password by clicking a corresponding number in the numeric keypad area 411. And the payment platform checks the password input by the user with the pre-stored information, and after the password is successfully checked, the medical insurance payment is completed.
In the method in embodiment 1, the user initiating payment through the payment platform integrates the cashier desk and the business preposition service in the payment platform if the payment scene has the relevant business prepositions, namely, the payment preposition component is displayed on the cashier desk, and the relevant authorization content of the user business preposition is displayed in the component, so that the handling of the preposition service can be directly completed after the user agrees, the link and experience of the user using the payment service are greatly optimized, and the user flow caused by handling of the front-value business by the user is reduced.
Example 2
Fig. 5 is a schematic flow chart of a medical insurance payment method on the second platform side provided in an embodiment of the present specification. From the viewpoint of a program, the execution subject of the flow may be a program installed in an application server or an application client. In this embodiment, the interactive objects involved may include a user, a first platform, a second platform, and a medical insurance institution. Wherein the first platform may be a platform with payment functionality. The second platform may be a take-away living platform, a shopping platform, or other platform capable of purchasing medication or purchasing items using medical insurance payments. In this embodiment, the execution main body may be a platform having a payment function.
As shown in fig. 5, the process may include the following steps:
step 510: and the second platform receives operation information selected by the user according to the payment mode of the target order.
Taking the medicine purchasing platform as the second platform as an example, the following embodiments are explained: the user selects the medicine to be purchased based on the medicine purchasing platform, and then selects a payment mode of 'medical insurance payment' in an interface of the medicine purchasing platform.
Step 520: when the operation information indicates that the payment mode for the target order selected by the user is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identification corresponding to the target order.
Step 530: receiving prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate.
Step 540: and sending the prompt information to the terminal of the user for display.
The method flow described in fig. 5 has a corresponding relationship with the method flow described in fig. 3. Among the above steps, the same or corresponding portions as those of the method in fig. 3 will not be explained repeatedly.
By the method, the cashier desk and the service of the front payment are fused, when the cashier desk is pulled up, the front services such as authorized card binding and the like are displayed at the same time except for displaying the specific cashier amount, the payment mode and the payment account, and the user finishes the front card binding action while confirming the payment. The medicine purchasing platform only needs to be connected with the service of 'medical insurance payment' of the payment platform, when a user normally initiates medical insurance payment settlement on the medicine purchasing platform, the payment platform judges the activation state of the electronic certificate of the medical insurance of the user, and guides the user which is not activated to activate and complete medical insurance settlement business. The method reduces the butt joint cost of the medicine purchasing platform, optimizes the user side payment experience, improves the user operation efficiency, and reduces the skipping and the user loss of the whole link.
Based on the same idea, the embodiments of the present specification further provide an apparatus corresponding to the method in embodiment 1. Fig. 6 is a schematic view of a medical insurance payment apparatus on a first platform side provided in an embodiment of the present specification. As shown in fig. 6, the apparatus may include:
a medical insurance payment request initiating module 610, configured to acquire, by the first platform, a medical insurance payment request initiated by the second platform for the target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the medical insurance electronic certificate state information determining module 620 is used for determining the state information of the medical insurance electronic certificate corresponding to the user identifier; the state information is used for representing the activation state of the medical insurance electronic certificate;
a prompt message generating module 630, configured to generate a prompt message when the status information indicates that the medical insurance electronic certificate belongs to an inactivated state; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and the prompt information display module 640 is configured to send the prompt information to the user terminal through the second platform for display.
The examples of this specification also provide some specific embodiments of the apparatus based on the apparatus of fig. 6, which is described below.
Optionally, the apparatus may further include:
the confirmation operation information receiving module is used for receiving the confirmation operation information of the prompt information from the user;
the medical insurance electronic certificate activation module is used for activating the medical insurance electronic certificate based on the confirmation operation information;
and the medical insurance payment module is used for completing medical insurance payment based on the medical insurance electronic certificate.
Optionally, the medical insurance electronic certificate activation module may specifically include:
the identity verification unit is used for verifying the identity of the user based on the confirmation operation information to obtain a verification result;
and the medical insurance electronic certificate activation unit is used for activating the medical insurance electronic certificate of the user when the verification result shows that the identity verification of the user passes.
Optionally, the identity verification unit may specifically include:
the biological characteristic information acquisition subunit is used for acquiring the biological characteristic information of the user;
the biological characteristic information matching subunit is used for matching the biological characteristic information with biological characteristic information prestored in the block chain network based on the biological characteristic information to obtain a matching result; the block chain network stores the corresponding relation between the user identification and the biological characteristic information;
and the identity verification passing subunit is used for determining that the identity of the user is verified to pass when the matching result shows that the biological characteristic information is consistent with the biological characteristic information prestored in the block chain network.
Optionally, the identity verification unit may further include:
and the activation state information sending subunit is used for sending the activation state information of the medical insurance electronic certificate to the block chain network so that the block chain network can update the state information of the medical insurance electronic certificate.
Optionally, a mapping relationship between the user identifier and the medical insurance electronic certificate identifier may be stored in the block chain network;
the medical insurance electronic certificate status information determining module 620 may specifically include:
the medical insurance electronic certificate identification determining unit is used for determining a medical insurance electronic certificate identification corresponding to the user identification from the block chain network;
and the state information determining unit is used for determining the state information corresponding to the medical insurance electronic certificate identifier from the block chain network.
Optionally, the prompt message may at least include an activation interface; the activation interface may include an activation button in an on state.
Optionally, the medical insurance payment module may specifically include:
the medical insurance settlement request sending unit is used for sending a medical insurance settlement request to a medical insurance institution based on the medical insurance electronic certificate; the medical insurance settlement request at least comprises user identification, medical insurance electronic certificate information and amount information.
Optionally, the medical insurance payment module may further include:
the settlement result receiving unit is used for receiving the settlement result returned by the medical insurance institution;
and the settlement result sending unit is used for sending the settlement result to the second platform.
Optionally, the apparatus may further include:
the password instruction receiving module is used for receiving a password instruction input by the user in a password input interface;
the pre-stored password information acquisition module is used for acquiring pre-stored password information corresponding to the medical insurance electronic certificate from a block chain network;
the comparison module is used for comparing the password instruction input by the user with the password information;
and the payment module is used for finishing payment based on the medical insurance electronic certificate when the password instruction input by the user is consistent with the password information.
Based on the same idea, the embodiment of the present specification further provides an apparatus corresponding to the method in embodiment 2. Fig. 7 is a schematic diagram of a medical insurance payment apparatus on a second platform side provided in an embodiment of the present specification. As shown in fig. 7, the apparatus may include:
an operation information receiving module 710, configured to receive, by the second platform, operation information selected by the user according to a payment method of the target order;
a medical insurance payment request sending module 720, configured to send a medical insurance payment request for the target order to the first platform when the operation information indicates that the payment mode for the target order selected by the user is medical insurance payment; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
a prompt message receiving module 730, configured to receive a prompt message generated by the first platform; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and a prompt information sending module 740, configured to send the prompt information to the terminal of the user for display.
Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method.
Fig. 8 is a schematic view of a medical insurance payment apparatus provided in an embodiment of the present specification. As shown in fig. 8, the apparatus 800 may include:
at least one processor 810; and the number of the first and second groups,
a memory 830 communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory 830 stores instructions 820 that are executable by the at least one processor 810.
Corresponding to embodiment 1, the instructions are executable by the at least one processor 810 to enable the at least one processor 810 to:
the first platform acquires a medical insurance payment request initiated by the second platform for the target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of the medical insurance electronic certificate corresponding to the user identifier; the state information is used for representing the activation state of the medical insurance electronic certificate;
when the state information indicates that the medical insurance electronic certificate belongs to an inactivated state, prompt information is generated; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal through the second platform for displaying.
Corresponding to embodiment 2, the instructions are executable by the at least one processor 810 to enable the at least one processor 810 to:
the second platform receives operation information selected by a user according to a payment mode of a target order;
when the operation information indicates that the payment mode for the target order selected by the user is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
Based on the same idea, the embodiment of the present specification further provides a computer-readable medium corresponding to the above method. The computer readable medium has computer readable instructions stored thereon.
Corresponding to embodiment 1, the computer readable instructions are executable by a processor to implement the method of:
the first platform acquires a medical insurance payment request initiated by the second platform for the target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of the medical insurance electronic certificate corresponding to the user identifier; the state information is used for representing the activation state of the medical insurance electronic certificate;
when the state information indicates that the medical insurance electronic certificate belongs to an inactivated state, prompt information is generated; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal through the second platform for displaying.
Corresponding to embodiment 2, the computer readable instructions are executable by a processor to implement the method of:
the second platform receives operation information selected by a user according to a payment mode of a target order;
when the operation information indicates that the payment mode for the target order selected by the user is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital character system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate a dedicated integrated circuit chip. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, AtmelAT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information which can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims (23)

1. A medical insurance payment method, comprising:
the first platform acquires a medical insurance payment request initiated by the second platform for the target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of the medical insurance electronic certificate corresponding to the user identifier; the state information is used for representing the activation state of the medical insurance electronic certificate;
when the state information indicates that the medical insurance electronic certificate belongs to an inactivated state, prompt information is generated; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal through the second platform for displaying.
2. The method of claim 1, after sending the prompt message to the user terminal through the second platform for display, further comprising:
receiving confirmation operation information of the user for the prompt information;
activating the medical insurance electronic certificate based on the confirmation operation information;
and completing medical insurance payment based on the medical insurance electronic certificate.
3. The method according to claim 2, wherein activating the medical insurance electronic certificate based on the confirmation operation information specifically includes:
based on the confirmation operation information, performing identity verification on the user to obtain a verification result;
and when the verification result shows that the identity verification of the user passes, activating the medical insurance electronic certificate of the user.
4. The method according to claim 3, wherein the identity verification is performed on the user based on the confirmation operation information to obtain a verification result, specifically comprising:
collecting the biological characteristic information of the user;
matching the biological characteristic information with biological characteristic information prestored in a block chain network based on the biological characteristic information to obtain a matching result; the block chain network stores the corresponding relation between the user identification and the biological characteristic information;
and when the matching result shows that the biological characteristic information is consistent with the biological characteristic information prestored in the block chain network, determining that the identity of the user passes the verification.
5. The method of claim 4, further comprising, after activating the user's medical insurance electronic credentials:
and sending the activation state information of the medical insurance electronic certificate to the block chain network so that the block chain network can update the state information of the medical insurance electronic certificate.
6. The method according to claim 4, wherein a mapping relation between a user identifier and a medical insurance electronic certificate identifier is stored in the blockchain network;
the determining of the state information of the medical insurance electronic certificate corresponding to the user identifier specifically includes:
determining a medical insurance electronic certificate identifier corresponding to the user identifier from the block chain network;
and determining the state information corresponding to the medical insurance electronic certificate identifier from the block chain network.
7. The method of claim 1, the prompt message comprising at least an activation interface; the activation interface comprises an activation button in an on state.
8. The method according to claim 2, wherein the completing of the medical insurance payment based on the medical insurance electronic certificate includes:
sending a medical insurance settlement request to a medical insurance institution based on the medical insurance electronic certificate; the medical insurance settlement request at least comprises user identification, medical insurance electronic certificate information and amount information.
9. The method of claim 8, after sending the request for settlement of medical insurance to the medical insurance institution, further comprising:
receiving a settlement result returned by the medical insurance institution;
and sending the settlement result to the second platform.
10. The method of claim 2, further comprising, prior to completing a medical insurance payment based on the medical insurance electronic voucher:
receiving a password instruction input by the user in a password input interface;
acquiring prestored password information corresponding to the medical insurance electronic certificate from a block chain network;
comparing the password instruction input by the user with the password information;
and when the password instruction input by the user is consistent with the password information, completing payment based on the medical insurance electronic certificate.
11. A medical insurance payment method, comprising:
the second platform receives operation information selected by a user according to a payment mode of a target order;
when the operation information indicates that the payment mode for the target order selected by the user is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
12. A medical insurance payment device, comprising:
the system comprises a medical insurance payment request initiating module, a first platform and a second platform, wherein the medical insurance payment request initiating module is used for the first platform to obtain a medical insurance payment request initiated by the second platform for a target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the medical insurance electronic certificate state information determining module is used for determining the state information of the medical insurance electronic certificate corresponding to the user identification; the state information is used for representing the activation state of the medical insurance electronic certificate;
the prompt information generation module is used for generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactivated state; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and the prompt information display module is used for sending the prompt information to the user terminal through the second platform for displaying.
13. The apparatus of claim 12, the apparatus further comprising:
the confirmation operation information receiving module is used for receiving the confirmation operation information of the prompt information from the user;
the medical insurance electronic certificate activation module is used for activating the medical insurance electronic certificate based on the confirmation operation information;
and the medical insurance payment module is used for completing medical insurance payment based on the medical insurance electronic certificate.
14. The apparatus according to claim 13, wherein the medical insurance electronic certificate activation module specifically includes:
the identity verification unit is used for verifying the identity of the user based on the confirmation operation information to obtain a verification result;
and the medical insurance electronic certificate activation unit is used for activating the medical insurance electronic certificate of the user when the verification result shows that the identity verification of the user passes.
15. The apparatus according to claim 14, wherein the identity verification unit specifically comprises:
the biological characteristic information acquisition subunit is used for acquiring the biological characteristic information of the user;
the biological characteristic information matching subunit is used for matching the biological characteristic information with biological characteristic information prestored in the block chain network based on the biological characteristic information to obtain a matching result; the block chain network stores the corresponding relation between the user identification and the biological characteristic information;
and the identity verification passing subunit is used for determining that the identity of the user is verified to pass when the matching result shows that the biological characteristic information is consistent with the biological characteristic information prestored in the block chain network.
16. The apparatus of claim 15, the identity verification unit, further comprising:
and the activation state information sending subunit is used for sending the activation state information of the medical insurance electronic certificate to the block chain network so that the block chain network can update the state information of the medical insurance electronic certificate.
17. The apparatus according to claim 13, wherein the medical insurance payment module specifically comprises:
the medical insurance settlement request sending unit is used for sending a medical insurance settlement request to a medical insurance institution based on the medical insurance electronic certificate; the medical insurance settlement request at least comprises user identification, medical insurance electronic certificate information and amount information.
18. The apparatus of claim 17, the medical insurance payment module, further comprising:
the settlement result receiving unit is used for receiving the settlement result returned by the medical insurance institution;
and the settlement result sending unit is used for sending the settlement result to the second platform.
19. The apparatus of claim 13, the apparatus further comprising:
the password instruction receiving module is used for receiving a password instruction input by the user in a password input interface;
the pre-stored password information acquisition module is used for acquiring pre-stored password information corresponding to the medical insurance electronic certificate from a block chain network;
the comparison module is used for comparing the password instruction input by the user with the password information;
and the payment module is used for finishing payment based on the medical insurance electronic certificate when the password instruction input by the user is consistent with the password information.
20. A medical insurance payment device, comprising:
the operation information receiving module is used for receiving operation information selected by a user according to the payment mode of the target order by the second platform;
the medical insurance payment request sending module is used for sending a medical insurance payment request for the target order to the first platform when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the prompt message receiving module is used for receiving the prompt message generated by the first platform; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and the prompt information sending module is used for sending the prompt information to the terminal of the user for display.
21. A medical insurance payment device, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
the first platform acquires a medical insurance payment request initiated by the second platform for the target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of the medical insurance electronic certificate corresponding to the user identifier; the state information is used for representing the activation state of the medical insurance electronic certificate;
when the state information indicates that the medical insurance electronic certificate belongs to an inactivated state, prompt information is generated; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal through the second platform for displaying.
22. A medical insurance payment device, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
the second platform receives operation information selected by a user according to a payment mode of a target order;
when the operation information indicates that the payment mode for the target order selected by the user is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt message is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
23. A computer readable medium having computer readable instructions stored thereon which are executable by a processor to implement the method of medical insurance payment of any one of claims 1 to 11.
CN202110482844.4A 2021-04-30 2021-04-30 Medical insurance payment method, device and equipment Active CN113129016B (en)

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