CN113643025B

CN113643025B - Payment method, device and system

Info

Publication number: CN113643025B
Application number: CN202110880771.4A
Authority: CN
Inventors: 耿浩; 余逢行; 魏青格乐图; 马鹏飞; 张宇; 梅哲; 沈伟
Original assignee: AlipayCom Co ltd
Current assignee: AlipayCom Co ltd
Priority date: 2019-11-22
Filing date: 2019-11-22
Publication date: 2024-02-02
Anticipated expiration: 2039-11-22
Also published as: CN110889693A; CN110889693B; CN113643025A; WO2021098378A1

Abstract

One or more embodiments of the present disclosure provide a payment method, apparatus, and system, where the method includes: receiving a medical insurance seeking request of a target user; the target user is a user applying for medical insurance virtual cards in advance. Acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance class virtual card. And transmitting the payment code to the medical institution terminal so that the medical institution terminal can transmit the payment code to the medical insurance management system for identity authentication of the target user. Receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

Description

Payment method, device and system

The patent application is a divisional application of application number 201911158753.4, the application date is 2019, 11, 22, and the patent name is a divisional application of a payment method, a payment device and a payment system.

Technical Field

The present document relates to the field of internet technologies, and in particular, to a payment method, device, and system.

Background

At present, with the continuous soundness of a social insurance system, in order to provide a basic medical guarantee for participants, to ensure that the participants enjoy basic medical services and effectively enjoy the national insurance fund provided for the participants, the medical insurance has become one of the basic insurance contributions of enterprise staff, i.e. a social guarantee system for providing medical services or economic compensation. The medical insurance management system distributes the entity medical insurance cards to the participants, and the participants need to purchase medical drugs and settle medical expenses by means of the entity medical insurance cards of respective real names, so that effective guarantee is provided for the medical expenses of the participants in the diagnosis and treatment receiving period, and the economic pressure brought to the participants by the medical expenses paid by the diagnosis and treatment receiving period is reduced.

However, two types of medical insurance-based medical fee reimbursement methods currently mainly employed are: one is to accelerate the medical fee payment of the paramedics during the diagnosis and treatment, a post-doctor insurance reimbursement mode is adopted, namely, during the diagnosis and treatment, all medical fees are paid by individuals first, and then the medical insurance reimbursement is carried out by means of a physical doctor's insurance card, receipts, prescriptions, diagnostic certificates and medication statement issued by a hospital or a pharmacy, and then the patient goes to a designated place.

And the other is that in order to lighten the medical expense payment pressure of the paramedics in the diagnosis and treatment period, a real-time medical insurance reimbursement mode is adopted, namely, in the diagnosis and treatment period, a medical institution (such as a hospital or a pharmacy) sends the information of the paramedics and the consumption information to a medical insurance management system in a card swiping mode by virtue of an entity medical insurance card, the medical insurance management system determines the reimbursement amount of the medical insurance according to the acquired information and informs the medical institution, and the medical institution subtracts the reimbursement amount of the medical insurance from the total amount, namely, the amount required to be paid by the paramedics in the medical expense settlement period. Therefore, whether the mode of post-treatment medical insurance reimbursement or real-time medical insurance reimbursement is adopted, the medical insurance expense payment is required to be carried out depending on the entity medical insurance card, and the entity medical insurance card is inconvenient to carry, easy to lose and the like.

It follows that there is a need to provide a more simplified, convenient, fast and reliable payment method.

Disclosure of Invention

It is an object of one or more embodiments of the present description to provide a payment method. The payment method comprises the following steps:

receiving a medical insurance seeking request of a target user; the target user is a user applying for medical insurance virtual cards in advance. Acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance class virtual card. And transmitting the payment code to the medical institution terminal so that the medical institution terminal can transmit the payment code to the medical insurance management system for identity authentication of the target user. Receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

It is an object of one or more embodiments of the present description to provide a payment device. The payment device includes:

the request acquisition module is used for receiving medical insurance seeking requests of target users; the target user is a user applying for medical insurance virtual cards in advance. The payment code acquisition module is used for acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance class virtual card. And the payment code sending module is used for transmitting the payment code to the medical institution terminal so that the medical institution terminal can send the payment code to the medical insurance management system for carrying out identity authentication on the target user. The payment information receiving module is used for receiving the payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

It is an object of one or more embodiments of the present description to provide a payment system. The payment system includes: the system comprises a background server, a client, a medical institution and a medical insurance management system;

the background server acquires a medical insurance seeking request from a target user of the client; the payment code for medical insurance medical treatment is obtained and distributed to the target user, and the payment code is transmitted to the medical institution terminal; the target user is a user applying for a medical insurance virtual card in advance, and the payment code corresponds to the medical insurance virtual card;

the medical institution terminal sends the payment code to the medical insurance management system;

the medical insurance management system performs identity authentication on the target user based on the payment code;

the medical institution terminal sends a medical settlement list of the target user to the medical insurance management system after determining that the identity authentication of the target user is passed;

and the medical insurance management system generates payment information of the target user according to the medical settlement list and sends the payment information to the background server.

It is an object of one or more embodiments of the present specification to provide a payment device comprising: a processor; and a memory arranged to store computer executable instructions.

The computer-executable instructions, when executed, cause the processor to receive a medical warranty appointment request of a target user; the target user is a user applying for medical insurance virtual cards in advance. Acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance class virtual card. And transmitting the payment code to the medical institution terminal so that the medical institution terminal can transmit the payment code to the medical insurance management system for identity authentication of the target user. Receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

It is an object of one or more embodiments of the present description to provide a storage medium for storing computer-executable instructions. The executable instructions, when executed by the processor, receive a medical warranty hospitalization request of a target user; the target user is a user applying for medical insurance virtual cards in advance. Acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance class virtual card. And transmitting the payment code to the medical institution terminal so that the medical institution terminal can transmit the payment code to the medical insurance management system for identity authentication of the target user. Receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are necessary for the description of the embodiments or of the prior art will be briefly described, it being apparent that the drawings in the description below are only some of the embodiments described in one or more of the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art.

Fig. 1 is a schematic view of an application scenario of a payment system provided in one or more embodiments of the present disclosure;

FIG. 2 is a schematic diagram of a first flow of a payment method provided in one or more embodiments of the present disclosure;

FIG. 3 is a first schematic diagram of multi-terminal information interaction in a payment method provided in one or more embodiments of the present disclosure;

FIG. 4a is a second flow diagram of a payment method provided in one or more embodiments of the present disclosure;

FIG. 4b is a third flow diagram of a payment method provided in one or more embodiments of the present disclosure;

FIG. 5 is a fourth flow diagram of a payment method provided in one or more embodiments of the present disclosure;

FIG. 6 is a fifth flow diagram of a payment method provided in one or more embodiments of the present disclosure;

FIG. 7 is a sixth flow diagram of a payment method provided in one or more embodiments of the present disclosure;

FIG. 8 is a second schematic diagram of multi-terminal information interaction in a payment method provided in one or more embodiments of the present disclosure;

FIG. 9 is a schematic diagram of the modular composition of a payment device provided in one or more embodiments of the present disclosure;

FIG. 10 is a schematic diagram of the structural composition of a payment system provided in one or more embodiments of the present disclosure;

fig. 11 is a schematic structural diagram of a payment device provided in one or more embodiments of the present disclosure.

Detailed Description

In order for those skilled in the art to better understand the solutions in one or more embodiments of the present specification, the solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is apparent that the described embodiments are only a part of one or more embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without undue effort by one of ordinary skill in the art, are intended to be within the scope of the present disclosure.

One or more embodiments of the present disclosure provide a payment method, apparatus, and system, where when medical insurance-based medical fee payment is performed, the medical insurance-based medical fee payment can be completed directly through an automatically allocated payment code for medical insurance medical treatment, so as to achieve the purpose of automatically and proportionally bearing medical fee for a participant in a medical insurance overall fund, and achieve more convenient, rapid, and reliable medical fee payment based on medical insurance, and ensure that effective guarantee is provided for medical fee expenditure of the participant in the diagnosis and treatment period in real time and with high efficiency.

Fig. 1 is a schematic view of an application scenario of a payment system according to one or more embodiments of the present disclosure, where, as shown in fig. 1, the system includes: the medical insurance management system comprises a background server, a client, a medical institution terminal and a medical insurance management system, wherein the client can be a mobile terminal such as a smart phone and a tablet personal computer, the client can also be terminal equipment such as a personal computer, the background server can be a server for carrying out information interaction with the medical institution terminal and the medical insurance management system to provide medical insurance payment service for the client, the background server can be an independent server or a server cluster formed by a plurality of servers, the medical institution can be a medical insurance point medical service server such as a hospital and a medical store, and the medical insurance management system can comprise a national medical insurance agency, a national agency, a local insurance agency, a local agency and the like.

Specifically, aiming at the process of medical insurance payment, a background server acquires a medical insurance medical request of a target user from a client; the payment code for medical insurance medical treatment is obtained and distributed for the target user, and the payment code is transmitted to a medical institution terminal; the target user is a user applying for the medical insurance virtual card in advance, and the payment code corresponds to the medical insurance virtual card;

the medical institution terminal sends the acquired payment code to a medical insurance management system;

the medical insurance management system performs identity authentication on the target user based on the received payment code, and returns an identity authentication result to the background server and the medical institution terminal;

after the medical institution terminal determines that the identity authentication of the target user passes, the medical institution terminal sends a medical settlement list of the target user to the medical insurance management system;

and the medical insurance management system generates payment information of the target user according to the received medical settlement list and sends the payment information to the background server.

Fig. 2 is a schematic flow diagram of a first type of payment method according to one or more embodiments of the present disclosure, where the method in fig. 2 can be executed by the background server in fig. 1, and as shown in fig. 2, the method at least includes the following steps:

S202, receiving medical insurance seeking requests aiming at target users; the target user is a user applying for medical insurance virtual cards in advance;

the medical insurance seeking request is generated by triggering a target user under the condition of using medical insurance seeking requirements, and the medical insurance seeking request carries identification information of the target user, specifically, when a client detects triggering operation of a user on a target application for on-line medical insurance seeking service, the client generates the medical insurance seeking request and sends the medical insurance seeking request to a background server; when the client detects the triggering operation of the user on the H5 page of a certain medical institution terminal of the target application for the online medical insurance diagnosis and treatment service, a medical insurance medical request is generated and sent to the corresponding medical institution terminal, and then the medical institution terminal sends the medical insurance medical request to the background server.

S204, acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance virtual card of the target user;

specifically, after the medical insurance seeking request is obtained, a corresponding medical insurance payment code is required to be allocated to the target user, so that the identity of the target user is authenticated based on the medical insurance payment code, and the medical insurance payment is completed after the identity authentication of the target user is determined to pass.

S206, transmitting the acquired payment code to the medical institution terminal so that the medical institution terminal can send the payment code to a medical insurance management system for identity authentication of the target user;

specifically, after the background server acquires the payment code, the payment code needs to be transmitted to the corresponding medical institution terminal. Considering that not only the scene of offline medical insurance payment of the client exists, the payment code can be a graphic code, for example, a two-dimensional code, and correspondingly, a background server can firstly send the payment code to the client, the client displays the payment code, and then the medical institution terminal acquires the payment code through code scanning; there may be a scenario in which a client performs online medical insurance payment, and the payment code may also be an online code in the form of a character string, for example, a token, and the corresponding may also be that the background server directly sends the payment code to the medical institution terminal. After the medical institution terminal acquires the payment code of the target user, the payment code is sent to the medical insurance management system, so that the medical insurance management system can carry out identity authentication on the target user, namely, whether the user can use medical insurance to seek medical advice or not is identified based on the payment code.

S208, receiving payment information returned by the medical insurance management system; the payment information is generated by the medical insurance management system based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication of the target user is confirmed to pass.

Specifically, after receiving the payment code, the medical insurance management system performs identity authentication on the target user based on the payment code and generates an identity authentication result; the identity authentication result is sent to a background server and a corresponding medical institution terminal, so that the background server synchronously displays the identity authentication result on a client; if the background server triggers the client to synchronously display the identity authentication result fails, the client is triggered to synchronously display the identity authentication result in a circulating way.

The medical institution terminal determines whether the target user is a participating user according to the identity authentication result, and sends a medical settlement list of the target user to the medical insurance management system after the identity authentication is determined to pass; wherein, this settlement list of seeking medical advice includes: at least one of social insurance information, medical insurance payment codes and medical seeking consumption details of the target user. After the identity authentication of the target user is confirmed to pass, the medical institution terminal determines that the target user is a participating user and can enjoy medical insurance medical service, performs list summarization on prepositive services such as medical insurance registration, medical insurance consultation, medical insurance pre-settlement and the like, and generates a corresponding medical settlement list;

the medical insurance management system generates medical insurance payment information of the target user according to the received medical settlement list; in the implementation, if the medical insurance payment code, social insurance information of the target user and the medical insurance consumption details are included in the medical insurance payment list, the medical insurance management system can also judge whether an authentication success result for authenticating the target user based on the medical insurance payment code exists after receiving the medical insurance payment list, judge whether the medical insurance payment code of the medical insurance payment list corresponds to the social insurance information of the target user, and generate medical insurance payment information of the target user according to the medical insurance payment list if the judgment results are both yes.

The medical insurance management system sends the generated medical insurance payment information to the background server and the corresponding medical institution terminal so that the background server synchronously displays the medical insurance payment information on the client; if the background server triggers the client to synchronously display the medical insurance payment information fails, the client is triggered to synchronously display the medical insurance payment information in a circulating mode.

And triggering, by the medical insurance management system, deduction in the target payment account based on the medical insurance payment information. Wherein, this medical insurance payment information includes: at least one of user identification, order number, payment time, medical insurance payment cost and personal self-fee cost, wherein the medical insurance payment cost can comprise at least one of cost paid from a national medical insurance overall account and cost paid from a personal medical insurance account, and the corresponding target payment account comprises: at least one of a national medical insurance overall account, a personal medical insurance account, and a personal savings account.

In one or more embodiments of the present disclosure, after acquiring a medical insurance seeking request of a target user who applies for a medical insurance class virtual card in advance, acquiring a payment code allocated to the target user; transmitting the payment code to a medical institution terminal so that the medical institution terminal can transmit the payment code to a medical insurance management system for identity authentication of a target user; and the medical institution terminal sends a medical settlement list of the target user passing the identity authentication to the medical insurance management system so as to enable the medical insurance management system to generate corresponding payment information, and the background server receives the payment information returned by the medical insurance management system. Therefore, when medical insurance-based medical fee payment is carried out, an entity medical insurance card is not required to be carried, medical fee payment based on medical insurance can be completed directly through automatically allocated payment codes for medical insurance medical treatment, the purpose of automatically and proportionally bearing medical fee for participants in a medical insurance overall fund is achieved, more convenient, quick and reliable medical fee payment based on medical insurance is realized, and effective guarantee is ensured for real-time and high-efficiency medical fee expenditure of the participants in the diagnosis and treatment period.

In specific implementation, as shown in fig. 3, a first schematic diagram of multi-terminal information interaction in a payment method is provided, which specifically includes:

s301, a background server receives medical insurance seeking requests aiming at a target user;

s302, after obtaining a medical insurance medical request, a background server obtains a payment code for medical insurance medical treatment allocated to a target user;

s303, the background server transmits the acquired payment code to the medical institution terminal; the target user is a user applying for the medical insurance virtual card in advance, and the payment code corresponds to the medical insurance virtual card;

s304, the medical institution terminal sends the acquired payment code to the medical insurance management system;

s305, the medical insurance management system performs identity authentication on the target user based on the received payment code, and generates a corresponding identity authentication result;

s306, the medical insurance management system sends an identity authentication result of the target user to the background server;

s307, the background server synchronizes the identity authentication result of the target user to the client;

s308, the medical insurance management system sends an identity authentication result of the target user to the medical institution terminal;

s309, after determining that the identity authentication of the target user is passed, the medical institution terminal sends a medical settlement list of the target user to the medical insurance management system;

S310, the medical insurance management system generates payment information of a target user according to the received medical settlement list;

s311, the medical insurance management system sends payment information of the target user to the background server;

s312, the background server synchronizes the payment information of the target user to the client.

The process of triggering the medical insurance management system to perform user identity authentication based on the payment code information considers that an application scene of the client off-line medical insurance payment may exist, and the application scene of the client on-line medical insurance payment may also exist, specifically includes:

(1) Aiming at the condition of offline medical insurance payment of a client, a payment code can be sent to the client, the payment code is displayed at the client, and corresponding payment code information is acquired by scanning codes by a medical institution terminal, and the corresponding payment code can comprise: graphic code information; wherein, the graphic code information can be one-dimensional code, two-dimensional code and the like;

correspondingly, as shown in fig. 4a, in S204, the acquiring the payment code for medical insurance seeking allocated to the target user specifically includes:

s2041, obtaining graphic code information for medical insurance medical treatment allocated to a target user;

correspondingly, the step S206 is to transmit the obtained payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system for identity authentication of the target user, and specifically includes:

S2061, the acquired graphic code information is sent to the client of the target user, so that the medical institution terminal acquires the graphic code information from the client and sends the graphic code information to the medical insurance management system for identity authentication of the target user.

Specifically, after receiving the graphic code information sent by the background server, the client displays a corresponding graphic code on the client, the medical institution terminal scans the graphic code to obtain corresponding graphic code information, and then the graphic code information is sent to the medical insurance management system;

after receiving the graphic code information sent by the medical institution terminal, the medical insurance management system performs identity authentication on the target user based on the graphic code information to generate a corresponding identity authentication result.

(2) Aiming at the situation of online medical insurance payment of the client, a payment code can be directly sent to a medical institution terminal, and the corresponding payment code can comprise: on-line code information; the online code information can be a token online certificate;

correspondingly, as shown in fig. 4b, in S204, the acquiring the payment code for medical insurance seeking allocated to the target user specifically includes:

s2042, acquiring online code information for medical insurance medical treatment allocated to a target user;

s2062, the acquired online code information is sent to the medical institution terminal, so that the medical institution terminal sends the online code information to the medical insurance management system for identity authentication of the target user.

Specifically, after receiving the online code information of the target user sent by the background server, the medical institution terminal sends the online code information to the medical insurance management system;

Further, in order to improve the management and control force of the medical insurance payment and improve the medical insurance payment efficiency, the participating user needs to pre-open the medical insurance payment service, and a unique medical insurance virtual card is allocated to the participating user, so that in the medical insurance payment process, whether the user has the medical insurance virtual card can be determined first, and only the medical insurance management system is triggered to perform identity authentication on the user applying for the medical insurance virtual card in advance, based on this, as shown in fig. 5, before receiving the medical insurance medical treatment request for the target user, the method further includes:

S210, receiving an opening request of a medical insurance payment service of a client; wherein, the opening request carries the identification information of the target user;

s212, real-name authentication information of the target user is sent to the medical insurance management system, so that the medical insurance management system performs insurance verification based on the real-name authentication information and generates a medical insurance virtual card of the target user; wherein, the medical insurance virtual card can be medical insurance electronic certificate;

s214, receiving the medical insurance class virtual card of the target user returned by the medical insurance management system.

Specifically, after detecting touch operation of a user on a medical insurance payment opening control, the client sends a medical insurance payment service opening request to a background server; the background server acquires real-name authentication information of the target user after receiving the opening request, and sends the real-name authentication information to the medical insurance management system;

the medical insurance management system judges whether the target user is an insurance participating user based on the received real-name authentication information, and if so, a corresponding medical insurance virtual card is distributed to the target user; the medical insurance virtual card is sent to a background server;

the background server receives and stores the medical insurance virtual cards of all the target users, so that after the background server acquires the medical insurance payment requests of the target users, the background server can identify whether the medical insurance virtual cards of the target users exist, if so, the step S204 is executed, the step of acquiring the payment codes for medical insurance medical treatment allocated to the target users is executed, and if not, the medical insurance medical treatment request is directly intercepted.

Further, in order to improve universality of the medical insurance payment process, the payment code may be generated in multiple channels, that is, the generation process of the payment code for the target user may be generated by a medical insurance management system or a background server, specifically:

(1) For the case that the payment code is generated by the medical insurance management system, based on this, S204, the payment code for medical insurance seeking allocated to the target user is obtained, which specifically includes:

sending the medical insurance virtual card of the target user to the medical insurance management system so that the medical insurance management system returns a payment code corresponding to the medical insurance virtual card;

the received payment code is determined to be the payment code for medical insurance medical attention.

In the process of information interaction interface access among the medical insurance management system, the medical institution terminal and the background server, the encoding rule of the payment code of the medical insurance management system is accessed, so that the background server can identify the encoding rule of the payment code of the external medical insurance management system; thus, the payment code is not limited to being generated locally, but may be generated by a medical insurance management system.

Specifically, the medical insurance management system may generate payment codes of each target user in advance, and store social insurance information of the target user, and a corresponding relationship between the medical insurance virtual card and the payment codes; after receiving the medical insurance virtual card sent by the background server, selecting one payment code from the corresponding at least one payment code, and returning the selected payment code to the background server; the background server records the identification information of the target user and the corresponding relation between the medical insurance virtual card and the payment code.

The medical insurance management system can also dynamically generate a corresponding payment code in real time after receiving the medical insurance virtual card sent by the background server, and return the payment code to the background server; and storing the social security information of the target user and the corresponding relation between the medical insurance virtual card and the payment code so as to carry out identity authentication on the target user based on the corresponding relation.

(2) For the case that the background server generates the payment code, based on this, S204, the payment code for medical insurance seeking allocated to the target user is obtained, which specifically includes:

generating a payment code corresponding to the medical insurance virtual card corresponding to the target user;

the generated payment code is determined as the payment code for medical insurance medical attention.

Specifically, after receiving a medical insurance medical request of a target user, the background server automatically generates a corresponding payment code and stores identification information of the target user and a corresponding relation between a medical insurance virtual card and the payment code; and automatically transmitting the corresponding relation to the medical insurance management system, or transmitting the corresponding relation to the medical insurance management system after receiving a corresponding relation acquisition request of the medical insurance management system, so that the medical insurance management system performs identity authentication on the target user based on the corresponding relation.

It should be noted that, in the implementation, preferably, the payment code may be a dynamic payment code with a certain timeliness, that is, the payment code allocated to the target user is dynamically changed each time, so that when the medical insurance management system performs identity authentication on the target user based on the payment code sent by the medical structure terminal and the corresponding relationship, the accuracy of the identity authentication can be improved, and the phenomenon that the illegal molecule performs fraudulent insurance by stealing the disabled payment code can be rapidly identified.

Further, in order to improve the security of the medical insurance payment, a process of risk identification for the target user is introduced, based on this, as shown in fig. 6, S204 described above, a payment code for medical insurance medical treatment allocated to the target user is obtained, which specifically includes:

s2043, sending a risk identification request for the target user to a preset wind control system so that the preset wind control system can identify the risk degree of the target user based on historical transaction data of the target user;

s2044, receiving a risk identification result of the target user returned by the preset wind control system;

s2045, determining whether to acquire the payment code for medical insurance medical treatment allocated to the target user according to the risk identification result of the target user.

Specifically, after receiving a medical insurance seeking request, the background server triggers a preset wind control system to identify risks of a target user, and judges whether to trigger a subsequent medical insurance payment process according to a risk identification result. Namely, whether the target user is a risk user is identified, corresponding request interception or real-name identity verification processing is triggered and executed aiming at the risk user, and the safety of medical insurance payment is further improved.

Specifically, S2045, according to the risk identification result of the target user, determines whether to obtain the payment code for medical insurance medical treatment allocated to the target user, which specifically includes:

and if the risk identification result indicates that the target user is a normal user, acquiring a payment code for medical insurance medical treatment allocated to the target user. And triggering and executing a normal medical insurance payment process under the condition that the risk identifies that the target user is a normal user.

If the risk identification result represents that the target user is a risk user, a real-name authentication request is sent to a client of the target user;

based on real-name authentication information of the target user returned by the client, identity verification is carried out on the target user;

and if the identity verification result is that the real-name authentication is passed, acquiring a payment code for medical insurance medical treatment allocated to the target user.

Specifically, under the condition that a certain suspicious property exists in the target user, real-name authentication is carried out on the target user, whether the target user operates itself is identified, and only after the real-name authentication is passed, the normal medical insurance payment flow is triggered and executed, otherwise, the medical insurance request is intercepted.

Further, in order to further improve the security of the medical insurance payment, a process of verifying the password of the medical insurance account may be introduced, based on this, S204, a payment code for medical insurance seeking allocated to the target user is obtained, which specifically includes:

sending a medical insurance account password input request to a client of a target user, and receiving medical insurance account password information returned by the client;

the medical insurance account password information is sent to a medical insurance management system, so that the medical insurance management system performs account password verification based on the medical insurance account password information;

and if the account password verification result is that the verification is passed, acquiring a payment code for medical insurance medical treatment allocated to the target user.

Specifically, after receiving the medical insurance seeking request, the background server prompts the user to input a medical insurance account password, and sends the medical insurance account password input by the user to the medical insurance management system to trigger the medical insurance management system to verify whether the medical insurance account password input by the user is correct, and for the condition that the medical insurance account password is incorrect, corresponding request interception or real-name identity verification processing is triggered and executed, so that the safety of medical insurance payment is further improved.

Further, in order to reduce the access difficulty of the medical insurance payment service and improve the service access efficiency, the multi-terminal information interaction interface of the medical insurance payment service is independent of the information interaction interface of the normal payment service, and in consideration of the acquisition process of the medical insurance seeking request for the target user, an application scene of the client off-line medical insurance payment may exist, and an application scene of the client on-line medical insurance payment may also exist, specifically:

the step S202 of receiving a medical insurance seeking request for a target user specifically includes:

(1) Aiming at the condition of offline medical insurance payment of a client, receiving medical insurance medical request of the client through a medical insurance payment service interface; wherein the medical insurance payment service interface is independent of the normal payment service interface;

specifically, when a user applies for online medical insurance payment in a hospital or a pharmacy online, when detecting the triggering operation of the user on a target application for offline medical insurance medical service, a client generates a medical insurance medical request and sends the medical insurance medical request to a background server; the background server receives the medical insurance seeking request through a medical insurance payment service interface.

(2) Aiming at the online medical insurance payment condition of a client, receiving a medical insurance medical request sent by a medical institution terminal through the medical insurance payment service interface; wherein, the medical insurance seeking medical attention request is sent to the medical institution terminal by the client.

Specifically, when a user applies for online medical insurance payment through a webpage of an online hospital or a pharmacy, when detecting triggering operation of the user on an H5 webpage of a certain medical institution terminal of a target application for online medical insurance diagnosis and treatment service, a client generates a medical insurance request and sends the medical insurance request to a corresponding medical institution terminal, and then the medical institution terminal sends the medical insurance request to a background server; the background server receives the medical insurance seeking request through a medical insurance payment service interface.

In the implementation, in the process of accessing the information interaction interfaces between the medical insurance management system, the medical institution terminal and the background server, the background server does not need links such as payment, account discharging, account checking, refund and the like because the payment settlement process is completed by the medical insurance management system, so that the medical insurance payment link and the normal payment link are separately accessed, the medical institution terminal and the medical insurance management system do not need to set all interfaces required by payment, such as a receipt interface, a refund interface and the like, and the medical institution terminal and the medical insurance management system only need to set basic information interaction interfaces, such as a Shen Ma request interface, a data result backflow interface and the like, so that the access of the receipt interface, the refund interface and the refund interface is omitted, the access difficulty of the medical insurance payment service is reduced, and the service access efficiency is improved.

Specifically, the graphic code for medical insurance medical treatment can be further distinguished from the payment code for normal payment, for example, a medical insurance payment identifier is added to the graphic code displayed to the user, or different graphic code patterns are adopted to display the graphic code to the user, so that the user can distinguish whether the graphic code for medical insurance medical treatment is currently used or the payment code for normal payment is used, and the user experience is improved.

In addition, aiming at the process of accessing the medical institution into the medical insurance payment scene, the medical insurance management system triggers the background server to create tenant information for the medical institution, and the background server returns the tenant information of the medical institution to the medical insurance management system.

Further, in order to further improve the use experience of the user and ensure the maximization of the user interests, the payment information is also used as the basis of the interest exchange information of the target user, and based on this, after receiving the payment information returned by the medical insurance management system in S208, the method further includes:

updating preset payment statistical information of the target user according to the received payment information;

and determining the rights exchange information of the target user based on the updated preset payment statistical information.

Specifically, the payment information of the target user and the normal payment information can be summarized and counted to obtain the user payment details, wherein the normal payment information refers to the daily transaction information of the user, and therefore, the user payment details comprise: the normal payment details and the medical insurance payment details realize the display and the communication of the medical insurance payment bill and the daily payment bill, and ensure the continuity and the comprehensiveness of the payment details of the user. And when the rights and interests exchange information of the user is determined, carrying out user payment point accumulation by considering the normal payment information and the payment information at the same time, and ensuring the maximization of the rights and interests of the user.

Further, in order to improve accuracy of user identity authentication, when the medical insurance management system performs identity authentication on the target user, referring to not only the payment code but also the user identification information, based on this, as shown in fig. 7, S206 described above, the obtained payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to perform identity authentication on the target user, and specifically includes:

s2063, transmitting the acquired payment code to the medical institution terminal so that the medical institution terminal can send the payment code to the medical insurance management system;

s2064, receiving a user identification acquisition request sent by the medical insurance management system;

s2065, the identification information of the target user is sent to the medical insurance management system, so that the medical insurance management system performs identity authentication on the target user based on the payment code and the identification information of the target user.

Specifically, after receiving the payment code of the target user, the medical insurance management system requests the background server to acquire the identification information of the target user, acquires social security information of the target user, and performs identity authentication on the target user based on the identification information, the payment code and the social security information of the target user.

Specifically, based on a pre-stored information mapping relation, judging whether the identification information, the payment code and the social security information of the target user are matched, and if so, determining that the user identity authentication is passed; the information mapping relation is a corresponding relation stored when the payment code is generated for the target user.

In a specific embodiment, taking as an example that a client side off-line medical insurance is seeking medical attention and a payment code is generated by a medical insurance management system, the medical insurance management system may include: as shown in fig. 8, a second schematic diagram of multi-terminal information interaction in a payment method is provided by the local medical insurance server and the national medical insurance server, which specifically includes:

s801, a client sends a medical insurance seeking request of a target user to a background server; specifically, when a user applies for online medical insurance payment in a hospital or a pharmacy online, when detecting the triggering operation of the user on a target application for offline medical insurance medical service, a client generates a medical insurance medical request and sends the medical insurance medical request to a background server;

s802, after receiving a medical insurance seeking request, a background server acquires a medical insurance class virtual card corresponding to a target user;

s803, the background server sends a medical insurance class virtual card of the target user to the national medical insurance server;

S804, after receiving the medical insurance virtual card of the target user, the national medical insurance server acquires graphic code information corresponding to the medical insurance virtual card;

s805, the national medical insurance server sends graphic code information distributed to the target user to the background server;

s806, after receiving the graphic code information of the target user, the background server triggers the client to display the graphic code information;

s807, the medical institution terminal scans the graphic code displayed on the client to acquire graphic code information;

s808, the medical institution terminal sends graphic code information distributed to the target user to the corresponding local medical insurance server;

s809, the local medical insurance server acquires social insurance information of the target user from the national medical insurance server; specifically, the local medical insurance server side sends the received graphic code information to the national medical insurance server side so that the national medical insurance server side returns social insurance information corresponding to the graphic code information;

s810, the local medical insurance server side acquires the identification information of the target user from the background server; specifically, the local medical insurance server side sends the received graphic code information to the background server, so that the background server returns user identification information corresponding to the graphic code information;

S811, the local medical insurance service terminal performs identity authentication on the target user based on the identification information, the graphic code information and the social security information of the target user;

s812, the local medical insurance server side sends the identity authentication result of the target user to the background server, so that the background server triggers the client side to synchronously display the identity authentication result;

s813, the local medical insurance server side sends an identity authentication result to the medical institution terminal so that the medical institution terminal can determine whether the user has medical insurance medical qualification;

s814, the medical institution terminal sends a medical settlement list of the target user to the local medical insurance server after determining that the identity authentication of the target user passes and the medical treatment of the user is completed;

s815, the local medical insurance server generates payment information of the target user according to the received medical settlement list;

s816, the local medical insurance server sends the payment information of the target user to the background server, so that the background server triggers the client to synchronously display the payment information.

The payment method in one or more embodiments of the present disclosure receives a medical insurance seeking request of a target user; the target user is a user applying for medical insurance virtual cards in advance. Acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance class virtual card. And transmitting the payment code to the medical institution terminal so that the medical institution terminal can transmit the payment code to the medical insurance management system for identity authentication of the target user. Receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed. Therefore, when medical insurance-based medical fee payment is carried out, an entity medical insurance card is not required to be carried, medical fee payment based on medical insurance can be completed directly through automatically allocated payment codes for medical insurance medical treatment, the purpose of automatically and proportionally bearing medical fee for participants in a medical insurance overall fund is achieved, more convenient, quick and reliable medical fee payment based on medical insurance is realized, and effective guarantee is ensured for real-time and high-efficiency medical fee expenditure of the participants in the diagnosis and treatment period.

Corresponding to the payment methods described in fig. 2 to 8, based on the same technical concept, one or more embodiments of the present disclosure further provide a payment method for a medical insurance service such as purchasing a medicine, seeking a doctor, etc. under a target user line, where the method includes:

receiving medical insurance seeking requests of a client side aiming at a target user; the target user is a user applying for a medical insurance type virtual card in advance;

the medical insurance seeking request is generated by triggering a target user under the condition of using medical insurance seeking requirements, and the medical insurance seeking request carries identification information of the target user, specifically, when a client detects triggering operation of a user on a target application for on-line medical insurance seeking service, the client generates the medical insurance seeking request and sends the medical insurance seeking request to a background server;

acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance virtual card;

transmitting the payment code to a client so that the medical institution terminal transmits the payment code acquired from the client to a medical insurance management system to carry out identity authentication on a target user;

specifically, for the scene of medical insurance services such as purchasing medicine, seeking medical attention and the like under the target user line, the payment code can be a graphic code, for example, a two-dimensional code, and correspondingly, a background server firstly sends the payment code to a client, the client displays the payment code, and then the medical institution terminal acquires the payment code through code scanning;

Receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

According to the payment method in one or more embodiments of the present disclosure, when medical insurance-based medical fee payment is performed, an entity medical insurance card is not required to be carried, medical insurance-based medical fee payment can be directly completed through an automatically allocated payment code for medical insurance medical treatment, the purpose of automatically and proportionally bearing medical fee for a participant in a medical insurance overall fund is achieved, more convenient, rapid and reliable medical insurance-based medical fee payment is achieved, and effective guarantee is ensured for real-time and efficient medical fee expenditure of the participant in the diagnosis and treatment period.

It should be noted that, in the present disclosure, for the situation of medical insurance services such as purchasing medicine and seeking medical attention on the target user line, the embodiment of the corresponding payment method is based on the same inventive concept as the embodiment of the payment method described in the present disclosure, so the specific implementation of the embodiment may refer to the implementation of the corresponding payment method, and the repetition is omitted.

Corresponding to the payment methods described in fig. 2 to 8, based on the same technical concept, one or more embodiments of the present disclosure further provide a payment method for a medical insurance service such as purchasing medicine, seeking medical advice, etc. on a target user line, where the method includes:

receiving medical insurance medical treatment requests of a medical institution terminal aiming at a target user; the target user is a user applying for a medical insurance type virtual card in advance;

the medical insurance medical request is generated by triggering a target user under the medical insurance medical request, wherein the medical insurance medical request carries identification information of the target user, and specifically, when detecting triggering operation of the user on an H5 page of a certain medical institution terminal of a target application for on-line medical insurance medical service, a client generates the medical insurance medical request and sends the medical insurance medical request to a corresponding medical institution terminal, and then the medical institution terminal sends the medical insurance medical request to a background server;

the payment code is sent to a medical institution terminal, so that the medical institution terminal sends the payment code to a medical insurance management system to carry out identity authentication on a target user;

Specifically, for the scene of medical insurance services such as medicine purchase, medical treatment and the like on the target user line, the payment code can also be an online code in the form of a character string, for example, a token, and correspondingly, the payment code can also be directly sent to the medical institution terminal by the background server;

In accordance with the payment methods described in fig. 2 to 8, based on the same technical concept, one or more embodiments of the present disclosure further provide a payment device, and fig. 9 is a schematic block diagram of the payment device provided in one or more embodiments of the present disclosure, where the device is configured to perform the payment methods described in fig. 2 to 8, as shown in fig. 9, and the device includes:

a request acquisition module 901 that receives a medical insurance seeking request of a target user; the target user is a user applying for medical insurance virtual cards in advance;

a payment code acquisition module 902 that acquires a payment code for medical insurance medical attention allocated to the target user; wherein the payment code corresponds to the medical insurance class virtual card;

a payment code transmitting module 903, which transmits the payment code to a medical institution terminal, so that the medical institution terminal transmits the payment code to a medical insurance management system to perform identity authentication on the target user;

a payment information receiving module 904, which receives the payment information returned by the medical insurance management system; the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

Optionally, if the payment code includes: graphic code information; the payment code sending module 903:

And sending the graphic code information to a client of the target user, so that the medical institution terminal obtains the graphic code information from the client and sends the graphic code information to a medical insurance management system to carry out identity authentication on the target user.

Optionally, if the payment code includes: on-line code information; the payment code sending module 903:

and sending the online code information to a medical institution terminal so that the medical institution terminal sends the online code information to a medical insurance management system to carry out identity authentication on the target user.

Optionally, the payment device further includes: a medical insurance credential receiving module that:

receiving an opening request of a medical insurance payment service of a client; wherein, the opening request carries the identification information of the target user;

the real-name authentication information of the target user is sent to a medical insurance management system, so that the medical insurance management system performs insurance verification based on the real-name authentication information and generates a medical insurance virtual card of the target user;

and receiving the medical insurance virtual card of the target user returned by the medical insurance management system.

Optionally, the payment code acquisition module 902:

Sending the medical insurance class virtual card of the target user to a medical insurance management system so that the medical insurance management system returns a payment code corresponding to the medical insurance class virtual card;

and determining the received payment code as the payment code for medical insurance medical treatment.

Optionally, the payment code acquisition module 902:

and determining the generated payment code as the payment code for medical insurance medical treatment.

Optionally, the payment code acquisition module 902:

sending a risk identification request aiming at the target user to a preset wind control system so that the preset wind control system can identify the risk degree of the target user based on the historical transaction data of the target user;

receiving a risk identification result of the target user returned by the preset wind control system;

and determining whether to acquire a payment code for medical insurance medical treatment allocated to the target user according to the risk identification result.

Optionally, the payment code acquisition module 902:

and if the risk identification result indicates that the target user is a normal user, acquiring a payment code for medical insurance medical treatment allocated to the target user.

Optionally, the payment code acquisition module 902:

based on real-name authentication information of the target user returned by the client, carrying out identity verification on the target user;

Optionally, the payment code acquisition module 902:

sending a medical insurance account password input request to a client of the target user, and receiving medical insurance account password information returned by the client;

sending the medical insurance account password information to a medical insurance management system so that the medical insurance management system performs account password verification based on the medical insurance account password information;

Optionally, the request acquisition module 901:

receiving a medical insurance seeking request of a client through a medical insurance payment service interface; wherein the medical insurance payment service interface is independent of a normal payment service interface;

Or,

receiving a medical insurance seeking request sent by a medical institution terminal through the medical insurance payment service interface; wherein the medical insurance seeking medical attention request is sent to the medical institution terminal by a client.

Optionally, the payment device further includes: a rights information determination module that:

updating preset payment statistical information of the target user according to the payment information;

and determining the rights and interests exchange information of the target user based on the updated preset payment statistical information.

Optionally, the payment code sending module 903:

transmitting the payment code to a medical institution terminal so that the medical institution terminal transmits the payment code to a medical insurance management system;

receiving a user identification acquisition request sent by the medical insurance management system;

and sending the identification information of the target user to the medical insurance management system so that the medical insurance management system can carry out identity authentication on the target user based on the payment code and the identification information.

The payment device in one or more embodiments of the present disclosure receives a medical insurance seeking request from a target user; the target user is a user applying for medical insurance virtual cards in advance. Acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance class virtual card. And transmitting the payment code to the medical institution terminal so that the medical institution terminal can transmit the payment code to the medical insurance management system for identity authentication of the target user. Receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed. Therefore, when medical insurance-based medical fee payment is carried out, an entity medical insurance card is not required to be carried, medical fee payment based on medical insurance can be completed directly through automatically allocated payment codes for medical insurance medical treatment, the purpose of automatically and proportionally bearing medical fee for participants in a medical insurance overall fund is achieved, more convenient, quick and reliable medical fee payment based on medical insurance is realized, and effective guarantee is ensured for real-time and high-efficiency medical fee expenditure of the participants in the diagnosis and treatment period.

It should be noted that, the embodiments of the payment device in the present specification and the embodiments of the payment method in the present specification are based on the same inventive concept, so that the specific implementation of the embodiments may refer to the implementation of the corresponding payment method, and the repetition is omitted.

Corresponding to the payment methods described in fig. 2 to 8, based on the same technical concept, one or more embodiments of the present disclosure further provide a payment device, where the payment device includes:

the request acquisition module is used for receiving medical insurance medical seeking requests of the client side for the target user; the target user is a user applying for medical insurance virtual cards in advance;

the payment code acquisition module is used for acquiring a payment code for medical insurance medical treatment allocated to the target user; wherein the payment code corresponds to the medical insurance class virtual card;

the payment code sending module is used for transmitting the payment code to the client so that the medical institution terminal can send the payment code acquired from the client to a medical insurance management system for carrying out identity authentication on the target user;

the payment information receiving module is used for receiving the payment information returned by the medical insurance management system; the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

According to the payment device in one or more embodiments of the specification, when medical insurance-based medical fee payment is carried out, an entity medical insurance card is not required to be carried, medical insurance-based medical fee payment can be completed directly through the automatically allocated payment code for medical insurance medical treatment, the purpose of automatically and proportionally bearing medical fee for a participant in a medical insurance overall fund is achieved, more convenient, rapid and reliable medical fee payment based on medical insurance is achieved, and effective guarantee is ensured for medical fee expenditure of the participant in a diagnosis and treatment period in real time and high efficiency.

It should be noted that, in the present disclosure, for the situation of medical insurance services such as purchasing medicine and seeking medical attention on the target user line, the embodiment of the corresponding payment device and the embodiment of the payment method described above in the present disclosure are based on the same inventive concept, so the specific implementation of this embodiment may refer to the implementation of the corresponding payment method, and the repetition is omitted.

The request acquisition module is used for receiving medical insurance medical treatment requests of the medical institution terminal for the target user; the target user is a user applying for medical insurance virtual cards in advance;

the payment code sending module is used for sending the payment code to the medical institution terminal so that the medical institution terminal can send the payment code to a medical insurance management system to carry out identity authentication on the target user;

In accordance with the payment methods described in fig. 2 to 8, based on the same technical concept, one or more embodiments of the present disclosure further provide a payment system, and fig. 10 is a schematic diagram of module composition of the payment system provided in one or more embodiments of the present disclosure, where the system is used to perform the payment methods described in fig. 2 to 8, and as shown in fig. 10, the system includes: the system comprises a background server, a client, a medical institution and a medical insurance management system;

the background server acquires a medical insurance seeking request of a target user from a client; the payment code for medical insurance medical treatment is obtained and distributed to the target user, and the payment code is transmitted to the medical institution terminal; the target user is a user applying for the medical insurance virtual card in advance, and the payment code corresponds to the medical insurance virtual card;

the medical insurance management system performs identity authentication on the target user based on the received payment code;

It should be noted that, regarding the information interaction process among the background server, the client, the medical institution and the medical insurance management system, the payment method is referred to above, and will not be described herein again.

In the payment system in one or more embodiments of the present disclosure, after obtaining a medical insurance seeking request of a target user who applies for a medical insurance virtual card in advance, a background server obtains a payment code allocated to the target user; transmitting the payment code to a medical institution terminal so that the medical institution terminal can transmit the payment code to a medical insurance management system for identity authentication of a target user; and the medical institution terminal sends a medical settlement list of the target user passing the identity authentication to the medical insurance management system so as to enable the medical insurance management system to generate corresponding payment information, and the background server receives the payment information returned by the medical insurance management system. Therefore, when medical insurance-based medical fee payment is carried out, an entity medical insurance card is not required to be carried, medical fee payment based on medical insurance can be completed directly through automatically allocated payment codes for medical insurance medical treatment, the purpose of automatically and proportionally bearing medical fee for participants in a medical insurance overall fund is achieved, more convenient, quick and reliable medical fee payment based on medical insurance is realized, and effective guarantee is ensured for real-time and high-efficiency medical fee expenditure of the participants in the diagnosis and treatment period.

It should be noted that, in the present specification, the embodiment about the payment system and the embodiment about the payment method in the present specification are based on the same inventive concept, so the specific implementation of this embodiment may refer to the implementation of the foregoing corresponding payment method, and the repetition is not repeated.

Further, according to the method shown in fig. 2 to 8, one or more embodiments of the present disclosure further provide a payment device for performing the payment method, as shown in fig. 11, based on the same technical concept.

The payment device may vary considerably in configuration or performance and may include one or more processors 1101 and memory 1102, where the memory 1102 may store one or more stored applications or data. Wherein the memory 1102 may be transient storage or persistent storage. The application program stored in memory 1102 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions for use in a payment device. Still further, the processor 1101 may be arranged to communicate with the memory 1102, executing a series of computer executable instructions in the memory 1102 on the payment device. The payment device may also include one or more power supplies 1103, one or more wired or wireless network interfaces 1104, one or more input output interfaces 1105, one or more keyboards 1106, and the like.

In one particular embodiment, a payment device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment device, and configured to be executed by one or more processors, the one or more programs comprising computer-executable instructions for:

receiving a medical insurance seeking request of a target user; the target user is a user applying for medical insurance virtual cards in advance;

acquiring a payment code for medical insurance medical treatment allocated to the target user; wherein the payment code corresponds to the medical insurance class virtual card;

transmitting the payment code to a medical institution terminal so that the medical institution terminal transmits the payment code to a medical insurance management system to carry out identity authentication on the target user;

receiving payment information returned by the medical insurance management system; the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

Optionally, the computer executable instructions, when executed, if the payment code comprises: graphic code information;

The transmitting the payment code to a medical institution terminal so that the medical institution terminal sends the payment code to a medical insurance management system to perform identity authentication on the target user, comprising:

Optionally, the computer executable instructions, when executed, if the payment code comprises: on-line code information;

Optionally, the computer-executable instructions, when executed, further comprise, prior to receiving the medical warranty appointment request of the target user:

Optionally, the acquiring the payment code for medical insurance medical attention allocated to the target user when executed includes:

Optionally, when executed, the determining whether to obtain the payment code for medical insurance medical treatment allocated to the target user according to the risk identification result includes:

Optionally, the computer executable instructions, when executed, receive a medical warranty appointment request of a target user, comprising:

Or,

Optionally, the computer executable instructions, when executed, further comprise, after receiving payment information returned by the medical insurance management system:

Optionally, the computer executable instructions, when executed, transmit the payment code to a medical facility terminal to cause the medical facility terminal to send the payment code to a medical insurance management system for identity authentication of the target user, including:

The payment device in one or more embodiments of the present description receives a medical insurance seeking request of a target user; the target user is a user applying for medical insurance virtual cards in advance. Acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance class virtual card. And transmitting the payment code to the medical institution terminal so that the medical institution terminal can transmit the payment code to the medical insurance management system for identity authentication of the target user. Receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed. Therefore, when medical insurance-based medical fee payment is carried out, an entity medical insurance card is not required to be carried, medical fee payment based on medical insurance can be completed directly through automatically allocated payment codes for medical insurance medical treatment, the purpose of automatically and proportionally bearing medical fee for participants in a medical insurance overall fund is achieved, more convenient, quick and reliable medical fee payment based on medical insurance is realized, and effective guarantee is ensured for real-time and high-efficiency medical fee expenditure of the participants in the diagnosis and treatment period.

It should be noted that, the embodiments related to the payment device in the present specification and the embodiments related to the payment method in the present specification are based on the same inventive concept, so the specific implementation of this embodiment may refer to the implementation of the corresponding payment method, and the repetition is not repeated.

Further, in accordance with the methods shown in fig. 2 to 8, based on the same technical concept, one or more embodiments of the present disclosure further provide a storage medium for storing computer executable instructions, where in a specific embodiment, the storage medium may be a U-disc, an optical disc, a hard disk, etc., and the computer executable instructions stored in the storage medium can implement the following flow when executed by a processor:

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, if the payment code comprises: graphic code information;

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, if the payment code comprises: on-line code information;

Optionally, the storage medium storing computer executable instructions that, when executed by the processor, further comprise, prior to receiving the medical insurance seeking request of the target user:

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, obtain a payment code for medical insurance medical attention assigned to the target user, comprising:

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, determine whether to obtain a payment code for medical insurance medical attention allocated to the target user according to the risk identification result, including:

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, receive a medical warranty appointment request of a target user, comprising:

or,

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, further comprise, after receiving the payment information returned by the medical insurance management system:

Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, transmit the payment code to a medical facility terminal, so that the medical facility terminal sends the payment code to a medical insurance management system for authenticating the target user, including:

The storage medium in one or more embodiments of the present description stores computer-executable instructions that, when executed by a processor, receive a medical warranty hospitalization request of a target user; the target user is a user applying for medical insurance virtual cards in advance. Acquiring a payment code for medical insurance medical treatment allocated to a target user; wherein the payment code corresponds to the medical insurance class virtual card. And transmitting the payment code to the medical institution terminal so that the medical institution terminal can transmit the payment code to the medical insurance management system for identity authentication of the target user. Receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed. Therefore, when medical insurance-based medical fee payment is carried out, an entity medical insurance card is not required to be carried, medical fee payment based on medical insurance can be completed directly through automatically allocated payment codes for medical insurance medical treatment, the purpose of automatically and proportionally bearing medical fee for participants in a medical insurance overall fund is achieved, more convenient, quick and reliable medical fee payment based on medical insurance is realized, and effective guarantee is ensured for real-time and high-efficiency medical fee expenditure of the participants in the diagnosis and treatment period.

It should be noted that, the embodiments related to the storage medium in the present specification and the embodiments related to the payment method in the present specification are based on the same inventive concept, so the specific implementation of this embodiment may refer to the implementation of the corresponding payment method, and the repetition is not repeated.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of 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, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, 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 functionally divided into various units, respectively. Of course, the functions of each element may be implemented in one or more software and/or hardware elements when one or more of the present description are implemented.

One skilled in the relevant art will recognize that one or more of the embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more of the present specification may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, one or more of the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

One or more of the present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to one or more embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

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 storage media for a computer 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 Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

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 one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more of the present description 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. One or more of the present description 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.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing description is merely illustrative of one or more embodiments of the present disclosure and is not intended to limit the one or more embodiments of the present disclosure. Various modifications and alterations to one or more of this description will become apparent to those skilled in the art. Any modifications, equivalent substitutions, improvements, or the like, which are within the spirit and principles of one or more of the present description, are intended to be included within the scope of the claims of one or more of the present description.

Claims

1. A payment method, comprising:

performing risk detection on the target user, if the obtained risk identification result represents that the target user is a risk user, performing identity verification on the target user through real-name authentication information of the target user provided by a client, and determining whether to acquire a payment code for medical insurance medical treatment assigned to the target user based on the identity verification result, wherein the payment code corresponds to the medical insurance virtual card, is used for identifying whether the user has a condition of medical treatment using medical insurance, and is a graphic code for directly using the payment code to pay medical cost based on medical insurance without carrying or using an entity medical insurance card by the target user;

if yes, acquiring corresponding payment information through a medical insurance management system based on the payment code;

and determining rights exchange information of the target user based on the updated preset payment statistical information, wherein the updated preset payment statistical information comprises medical insurance payment information and statistical information of daily transaction information of the user.

2. The method of claim 1, wherein the acquiring, based on the payment code, corresponding payment information by a medical insurance management system includes:

and receiving the payment information returned by the medical insurance management system.

3. The method of claim 2, wherein if the payment code comprises: graphic code information;

4. The method of claim 2, wherein if the payment code comprises: on-line code information;

5. The method of claim 1, wherein the acquiring the payment code for medical insurance medical attention assigned to the target user comprises:

generating a payment code corresponding to the target user;

6. The method of claim 1, the method further comprising:

if yes, sending a medical insurance account password input request to a client of the target user, and receiving medical insurance account password information returned by the client;

7. The method of claim 1, wherein the receiving a medical warranty appointment request of a target user comprises:

Or,

8. The method of claim 1, wherein the payment information is generated based on a medical institution terminal-transmitted medical settlement manifest of the target user after the authentication of the identity is passed.

9. A payment method, comprising:

receiving medical insurance seeking requests of a client side aiming at a target user; the target user is a user applying for medical insurance virtual cards in advance;

If yes, transmitting the payment code to the client so that the medical institution terminal transmits the payment code acquired from the client to a medical insurance management system for identity authentication of the target user;

receiving payment information returned by the medical insurance management system; the payment information is generated based on a medical institution terminal-sent medical settlement list of the target user after the identity authentication is passed, and is used for triggering a background server to update preset payment statistical information of the target user, determining rights and interests exchange information of the target user based on the updated preset payment statistical information, wherein the updated preset payment statistical information comprises medical insurance payment information and statistical information of daily transaction information of the user.

10. A payment method, comprising:

receiving medical insurance medical treatment requests of a medical institution terminal aiming at a target user; the target user is a user applying for medical insurance virtual cards in advance;

If yes, the payment code is sent to the medical institution terminal, so that the medical institution terminal sends the payment code to a medical insurance management system to carry out identity authentication on the target user;

11. A payment device, comprising:

the request acquisition module is used for receiving medical insurance seeking requests of target users; the target user is a user applying for medical insurance virtual cards in advance;

the payment code acquisition module is used for detecting risks of the target user, if the obtained risk identification result represents that the target user is a risk user, identity verification is carried out on the target user through real-name authentication information of the target user provided by a client, whether a payment code for medical insurance is acquired, which is distributed to the target user, is determined based on the identity verification result, wherein the payment code corresponds to the medical insurance virtual card, is used for identifying whether the user has a condition of medical insurance medical treatment, and is a graphic code for directly using the payment code to carry or use an entity medical insurance card without carrying or using the entity medical insurance card;

The payment information receiving module is used for acquiring the payment code under the condition that the payment code for medical insurance medical treatment allocated to the target user is determined to be acquired, and acquiring corresponding payment information through a medical insurance management system based on the payment code;

the rights and interests information determining module updates preset payment statistical information of the target user according to the payment information; and determining rights exchange information of the target user based on the updated preset payment statistical information, wherein the updated preset payment statistical information comprises medical insurance payment information and statistical information of daily transaction information of the user.

12. A payment device, comprising:

The payment code sending module is used for obtaining the payment code and transmitting the payment code to the client under the condition that the payment code for medical insurance medical treatment allocated to the target user is obtained, so that the medical institution terminal sends the payment code obtained from the client to a medical insurance management system to carry out identity authentication on the target user;

the payment information receiving module is used for receiving the payment information returned by the medical insurance management system; the payment information is generated based on a medical institution terminal-sent medical settlement list of the target user after the identity authentication is passed, and is used for triggering a background server to update preset payment statistical information of the target user, determining rights and interests exchange information of the target user based on the updated preset payment statistical information, wherein the updated preset payment statistical information comprises medical insurance payment information and statistical information of daily transaction information of the user.

13. A payment device, comprising:

the payment code sending module is used for obtaining the payment code and sending the payment code to the medical institution terminal under the condition that the payment code for medical insurance medical treatment assigned to the target user is obtained, so that the medical institution terminal sends the payment code to a medical insurance management system to carry out identity authentication on the target user;

14. A payment system, comprising: the medical insurance management system comprises a background server, a client, a medical institution terminal and a medical insurance management system;

the background server acquires a medical insurance seeking request from a target user of the client; if the obtained risk identification result represents that the target user is a risk user, identity verification is carried out on the target user through real-name authentication information of the target user provided by a client, whether a payment code for medical insurance medical treatment assigned to the target user is obtained or not is determined based on the identity verification result, the payment code is obtained under the condition that the payment code for medical insurance medical treatment assigned to the target user is determined to be obtained, and the payment code is transmitted to the medical institution terminal, wherein the target user is a user applying for medical insurance virtual cards in advance, the payment code corresponds to the medical insurance virtual cards, and the payment code is used for identifying whether the user has a condition of medical insurance medical treatment using the medical insurance, and is a graphic code for medical treatment fee payment based on medical insurance directly using the payment code without carrying or using an entity medical insurance card by the target user;

the medical insurance management system generates payment information of the target user according to the medical settlement list and sends the payment information to the background server;

the background server updates preset payment statistical information of the target user according to the payment information; and determining rights exchange information of the target user based on the updated preset payment statistical information, wherein the updated preset payment statistical information comprises medical insurance payment information and statistical information of daily transaction information of the user.

15. A payment device, comprising:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

16. A storage medium storing computer executable instructions that when executed by a processor implement the method of: