CN113888174A

CN113888174A - Medical payment method and device, storage medium and electronic equipment

Info

Publication number: CN113888174A
Application number: CN202111032619.7A
Authority: CN
Inventors: 王明辉
Original assignee: Chuangfu Technology Shenzhen Co Ltd
Current assignee: Chuangfu Technology Shenzhen Co Ltd
Priority date: 2021-09-03
Filing date: 2021-09-03
Publication date: 2022-01-04

Abstract

The application discloses a medical payment method and device, a storage medium and electronic equipment. When a medical payment request initiated by a user is received, acquiring biological characteristic information of the user; acquiring medical payment information corresponding to the user according to the biological characteristic information; sending prompt information to prompt the user to determine the medical payment information; when a medical payment information determining instruction triggered by the user is received, acquiring medical insurance information of the user; and paying the medical payment information based on the medical insurance information. The scheme can improve the safety of medical insurance payment.

Description

Medical payment method and device, storage medium and electronic equipment

Technical Field

The embodiment of the application relates to the technical field of medical information, in particular to a medical payment method, a medical payment device, a storage medium and electronic equipment.

Background

Medical insurance, i.e. social medical insurance, is a social insurance system established by the nation and the society according to certain laws and regulations for providing the laborers in the guarantee range with basic medical insurance when patients are ill. With the development of medical science and technology, the improvement of the economic level of people and the enhancement of the safety and health consciousness of insured personnel, the medical expenses continuously rise, and the medical expenses are paid more and more by using medical insurance.

However, in the process of paying medical expenses by using the medical insurance, the phenomena that modern brushing, stealing brushing, sleeve insurance and the like do not meet the regulations often occur, and the safety of payment of the medical insurance is seriously influenced.

Disclosure of Invention

The embodiment of the application provides a medical payment method and device, a storage medium and electronic equipment, which can improve the safety of medical insurance payment.

In a first aspect, an embodiment of the present application provides a medical payment method, including:

when a medical payment request initiated by a user is received, acquiring biological characteristic information of the user;

acquiring medical payment information corresponding to the user according to the biological characteristic information;

sending prompt information to prompt the user to determine the medical payment information;

when a medical payment information determining instruction triggered by the user is received, acquiring medical insurance information of the user;

and paying the medical payment information based on the medical insurance information.

In the medical payment method provided in the embodiment of the application, the paying for the medical payment information based on the medical insurance information includes:

determining whether the user has an electronic medical insurance certificate according to the medical insurance information;

and when the user is determined to have the electronic medical insurance certificate, paying the medical payment information according to the electronic medical insurance certificate.

In the medical payment method provided in the embodiment of the present application, the medical payment method further includes:

and when the user is determined not to have the electronic medical insurance certificate, acquiring the electronic medical insurance certificate of the user based on the medical insurance information, and paying the medical payment information according to the electronic medical insurance certificate.

In the medical payment method provided in the embodiment of the application, the acquiring an electronic medical insurance certificate of the user based on the medical insurance information includes:

sending out registration determination information to determine whether the user needs to register the electronic medical insurance certificate;

and if so, registering and activating the electronic medical insurance certificate based on the medical insurance information and the biological characteristic information.

In the medical payment method provided in the embodiment of the present application, registering and activating the electronic medical insurance certificate based on the medical insurance information and the biometric information includes:

registering the electronic medical insurance certificate based on the medical insurance information;

activating the electronic medical insurance certificate based on the biometric information.

In the medical payment method provided in the embodiment of the present application, after the obtaining of the biometric information of the user and before the obtaining of the medical payment information corresponding to the user according to the biometric information, the method further includes:

performing living body identification on the user according to the biological characteristic information;

and if the user is determined to be a living body, acquiring medical payment information corresponding to the user according to the biological characteristic information.

In the medical payment method provided by the embodiment of the application, the biological characteristic information includes fingerprint information, finger vein information, face information or iris information.

In a second aspect, an embodiment of the present application provides a medical payment device, including:

the system comprises a characteristic acquisition unit, a characteristic analysis unit and a characteristic analysis unit, wherein the characteristic acquisition unit is used for acquiring biological characteristic information of a user when receiving a medical payment request initiated by the user;

the payment acquisition unit is used for acquiring medical payment information corresponding to the user according to the biological characteristic information;

the payment determining unit is used for sending prompt information to prompt the user to determine the medical payment information;

the medical insurance obtaining unit is used for obtaining medical insurance information of the user when receiving a medical payment information determining instruction triggered by the user;

and the medical payment unit is used for paying the medical payment information based on the medical insurance information.

In a third aspect, an embodiment of the present application provides a storage medium, where a plurality of instructions are stored, and the instructions are suitable for being loaded by a processor to perform the method described in the foregoing embodiment.

In a fourth aspect, the present application provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the method according to the foregoing embodiments.

The medical payment method provided by the embodiment of the application acquires the biological characteristic information of a user when receiving a medical payment request initiated by the user; acquiring medical payment information corresponding to the user according to the biological characteristic information; sending prompt information to prompt the user to determine the medical payment information; when a medical payment information determining instruction triggered by the user is received, acquiring medical insurance information of the user; and paying the medical payment information based on the medical insurance information. The scheme can improve the safety of medical insurance payment.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic flow chart of a medical payment method according to an embodiment of the present application.

Fig. 2 is a schematic structural diagram of a medical payment device according to an embodiment of the present application.

Fig. 3 is a schematic structural diagram of a server according to an embodiment of the present application.

Fig. 4 is a schematic structural diagram of an electronic device provided in an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

The terms "first" and "second", etc. in this application are used to distinguish between different objects and not to describe a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or modules is not limited to the listed steps or modules but may alternatively include other steps or modules not listed or inherent to such process, method, article, or apparatus.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

The embodiment of the application provides a medical payment method and device, a storage medium and electronic equipment. It should be noted that the medical payment method provided by the embodiment of the present application may be integrated in a medical payment device.

The following detailed description will be made separately, and the description sequence of each embodiment below does not limit the specific implementation sequence.

101. When a medical payment request initiated by a user is received, the biological characteristic information of the user is obtained.

The user may be any user who initiates a request for paying medical fees to the cashier system of the medical institution, such as any patient who pays medical fees using a self-service cashier terminal of a hospital.

In some embodiments, the biometric information may include, but is not limited to, fingerprint information, finger vein information, face information, iris information, or the like.

The medical payment request can be initiated by a user through operations such as knocking, touch control, voice and the like.

102. And acquiring medical payment information corresponding to the user according to the biological characteristic information.

In some embodiments, the personal information of the user may be acquired according to the biometric information, and then the medical payment information corresponding to the user may be determined according to the personal information of the user.

Specifically, the personal information may be input into a medical payment information base, and the matching may be performed in the medical payment information base, so as to determine the medical payment information corresponding to the user.

103. And sending prompt information to prompt the user to determine the medical payment information.

It should be noted that the prompt message may be a pop-up window, and a determination button may be provided on the pop-up window, and the user may determine whether to pay the medical payment message by touching the determination button.

It will be appreciated that the registration determination information may also be determined by other methods, such as tapping, voice, etc.

104. And when a medical payment information determining instruction triggered by the user is received, acquiring medical insurance information of the user.

Specifically, the personal information of the user may be obtained according to the biometric information of the user, and then the medical insurance information of the user may be obtained according to the personal information.

In some embodiments, the personal information may be entered into a medical insurance information repository for matching, thereby obtaining medical insurance information for the user.

105. And paying the medical payment information based on the medical insurance information.

Specifically, whether the user has an electronic medical insurance certificate can be determined according to the medical insurance information.

In some embodiments, when it is determined that the user has the electronic medical insurance certificate, the medical payment information may be paid according to the electronic medical insurance certificate. Specifically, medical expenses can be exempted according to the electronic medical insurance certificate, and then the medical payment information after exemption is paid.

It is understood that, among the medical fees, some medical fees may be paid using a medical insurance and some medical fees may not be paid using the medical insurance.

It can be understood that, when the user has the medical insurance information but does not have the electronic medical insurance certificate, the electronic medical insurance certificate can be acquired according to the medical insurance information, and then the medical payment information is paid according to the electronic medical insurance certificate.

After the step "after determining that the user does not have the electronic medical insurance certificate", and before the step "obtaining the electronic medical insurance certificate of the user based on the medical insurance information", the method may further include:

Specifically, the electronic medical insurance certificate may be registered based on the medical insurance information, and activated based on the biometric information.

In some embodiments, after the step "acquiring the biometric information of the user", and before the step "acquiring the medical payment information corresponding to the user according to the biometric information", the method may further include:

It is understood that if the user is determined not to be living, the medical payment operation may be interrupted.

For example, when the biometric information is face information, it may be determined that the user performs a specified action according to a state change of faces presented by a plurality of face images or according to a result of the action recognition.

The medical payment method provided by the embodiment of the application acquires the biological characteristic information of a user when receiving a medical payment request initiated by the user; acquiring medical payment information corresponding to the user according to the biological characteristic information; sending prompt information to prompt the user to determine the medical payment information; when a medical payment information determining instruction triggered by the user is received, acquiring medical insurance information of the user; and paying the medical payment information based on the medical insurance information. The scheme can improve the safety of medical insurance payment. According to the scheme, the corresponding electronic medical insurance certificate can be acquired through the biological characteristic information to pay for the medical payment information, so that the safety of medical insurance payment is improved.

In order to better implement the medical payment method, correspondingly, the embodiment of the application further provides a medical payment device, wherein the medical payment device can be integrated in the electronic equipment or the server. The meaning of the noun is the same as that in the medical payment method, and specific implementation details can refer to the description in the method embodiment.

Referring to fig. 2, fig. 2 is a schematic structural diagram of a medical payment device according to an embodiment of the present application. The medical payment device 200 may include a feature acquisition unit 201, a payment acquisition unit 202, a payment determination unit 203, a medical insurance acquisition unit 204, and a medical payment unit 205. Wherein the content of the first and second substances,

the feature obtaining unit 201 is configured to obtain biometric information of a user when a medical payment request initiated by the user is received.

A payment obtaining unit 202, configured to obtain medical payment information corresponding to the user according to the biometric information.

And the payment determining unit 203 is configured to send prompt information to prompt the user to determine the medical payment information.

The medical insurance obtaining unit 204 is configured to obtain medical insurance information of the user when a medical payment information determining instruction triggered by the user is received.

And the medical payment unit 205 is used for paying the medical payment information based on the medical insurance information.

The medical payment device 200 provided by the embodiment of the application can acquire the corresponding electronic medical insurance certificate through the biological characteristic information to pay the medical payment information, so that the safety of medical insurance payment is improved.

The embodiment of the present application further provides a server, as shown in fig. 3, which shows a schematic structural diagram of the server according to the embodiment of the present application, specifically:

the server may include components such as a processor 301 of one or more processing cores, memory 302 of one or more computer-readable storage media, a power supply 303, and an input unit 304. Those skilled in the art will appreciate that the server architecture shown in FIG. 3 is not meant to be limiting, and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:

the processor 301 is a control center of the server, connects various parts of the entire server using various interfaces and lines, and performs various functions of the server and processes data by running or executing software programs and/or modules stored in the memory 302 and calling data stored in the memory 302, thereby performing overall monitoring of the server. Optionally, processor 301 may include one or more processing cores; preferably, the processor 301 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 301.

The memory 302 may be used to store software programs and modules, and the processor 301 executes various functional applications and data processing by operating the software programs and modules stored in the memory 302. The memory 302 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data created according to the use of the server, and the like. Further, the memory 302 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 302 may also include a memory controller to provide the processor 301 with access to the memory 302.

The server further includes a power supply 303 for supplying power to the various components, and preferably, the power supply 303 may be logically connected to the processor 301 through a power management system, so as to implement functions of managing charging, discharging, and power consumption through the power management system. The power supply 303 may also include any component of one or more dc or ac power sources, recharging systems, power failure detection circuitry, power converters or inverters, power status indicators, and the like.

The server may also include an input unit 304, the input unit 304 being operable to receive input numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.

Although not shown, the server may further include a display unit and the like, which will not be described in detail herein. Specifically, in this embodiment, the processor 301 in the server loads the executable file corresponding to the process of one or more application programs into the memory 302 according to the following instructions, and the processor 301 runs the application programs stored in the memory 302, thereby implementing various functions as follows:

The above operations can be specifically referred to the previous embodiments, and are not described herein.

Accordingly, an electronic device according to an embodiment of the present disclosure may include, as shown in fig. 4, a Radio Frequency (RF) circuit 401, a memory 402 including one or more computer-readable storage media, an input unit 403, a display unit 404, a sensor 405, an audio circuit 406, a Wireless Fidelity (WiFi) module 407, a processor 408 including one or more processing cores, and a power supply 409. Those skilled in the art will appreciate that the electronic device configuration shown in fig. 4 does not constitute a limitation of the electronic device and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:

the RF circuit 401 may be used for receiving and transmitting signals during a message transmission or communication process, and in particular, for receiving downlink information of a base station and then sending the received downlink information to the one or more processors 408 for processing; in addition, data relating to uplink is transmitted to the base station. In general, the RF circuitry 401 includes, but is not limited to, an antenna, at least one Amplifier, a tuner, one or more oscillators, a Subscriber Identity Module (SIM) card, a transceiver, a coupler, a Low Noise Amplifier (LNA), a duplexer, and the like. In addition, the RF circuitry 401 may also communicate with networks and other devices via wireless communications. The wireless communication may use any communication standard or protocol, including but not limited to Global System for Mobile communications (GSM), General Packet Radio Service (GPRS), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), Long Term Evolution (LTE), email, Short Message Service (SMS), and the like.

The memory 402 may be used to store software programs and modules, and the processor 408 executes various functional applications and data processing by operating the software programs and modules stored in the memory 402. The memory 402 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the electronic device, and the like. Further, the memory 402 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 402 may also include a memory controller to provide the processor 408 and the input unit 403 access to the memory 402.

The input unit 403 may be used to receive input numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control. In particular, in a particular embodiment, the input unit 403 may include a touch-sensitive surface as well as other input devices. The touch-sensitive surface, also referred to as a touch display screen or a touch pad, may collect touch operations by a user (e.g., operations by a user on or near the touch-sensitive surface using a finger, a stylus, or any other suitable object or attachment) thereon or nearby, and drive the corresponding connection device according to a predetermined program. Alternatively, the touch sensitive surface may comprise two parts, a touch detection means and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts it to touch point coordinates, and sends the touch point coordinates to the processor 408, and can receive and execute commands from the processor 408. In addition, touch sensitive surfaces may be implemented using various types of resistive, capacitive, infrared, and surface acoustic waves. The input unit 403 may include other input devices in addition to the touch-sensitive surface. In particular, other input devices may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like.

The display unit 404 may be used to display information input by or provided to a user and various graphical user interfaces of the electronic device, which may be made up of graphics, text, icons, video, and any combination thereof. The Display unit 404 may include a Display panel, and optionally, the Display panel may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like. Further, the touch-sensitive surface may overlay the display panel, and when a touch operation is detected on or near the touch-sensitive surface, the touch operation is transmitted to the processor 408 to determine the type of touch event, and then the processor 408 provides a corresponding visual output on the display panel according to the type of touch event. Although in FIG. 4 the touch-sensitive surface and the display panel are shown as two separate components to implement input and output functions, in some embodiments the touch-sensitive surface may be integrated with the display panel to implement input and output functions.

The electronic device may also include at least one sensor 405, such as a light sensor, motion sensor, and other sensors. In particular, the light sensor may include an ambient light sensor that may adjust the brightness of the display panel according to the brightness of ambient light, and a proximity sensor that may turn off the display panel and/or the backlight when the electronic device is moved to the ear. As one of the motion sensors, the gravity acceleration sensor can detect the magnitude of acceleration in each direction (generally, three axes), can detect the magnitude and direction of gravity when the mobile phone is stationary, and can be used for applications of recognizing the posture of the mobile phone (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer and tapping), and the like; as for other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which may be further configured to the electronic device, detailed descriptions thereof are omitted.

Audio circuitry 406, a speaker, and a microphone may provide an audio interface between the user and the electronic device. The audio circuit 406 may transmit the electrical signal converted from the received audio data to a speaker, and convert the electrical signal into a sound signal for output; on the other hand, the microphone converts the collected sound signal into an electrical signal, which is received by the audio circuit 406 and converted into audio data, which is then processed by the audio data output processor 408, and then passed through the RF circuit 401 to be sent to, for example, another electronic device, or output to the memory 402 for further processing. The audio circuitry 406 may also include an earbud jack to provide communication of a peripheral headset with the electronic device.

WiFi belongs to short distance wireless transmission technology, and the electronic device can help the user send and receive e-mail, browse web page and access streaming media, etc. through the WiFi module 407, which provides wireless broadband internet access for the user. Although fig. 4 shows the WiFi module 407, it is understood that it does not belong to the essential constitution of the electronic device, and may be omitted entirely as needed within the scope not changing the essence of the invention.

The processor 408 is a control center of the electronic device, connects various parts of the entire mobile phone by using various interfaces and lines, and performs various functions of the electronic device and processes data by operating or executing software programs and/or modules stored in the memory 402 and calling data stored in the memory 402, thereby monitoring the mobile phone as a whole. Optionally, processor 408 may include one or more processing cores; preferably, the processor 408 may integrate an application processor, which handles primarily the operating system, user interface, applications, etc., and a modem processor, which handles primarily the wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 408.

The electronic device may also include a power source 409 (e.g., a battery) for powering the various components, which may preferably be logically coupled to the processor 408 via a power management system to manage charging, discharging, and power consumption management functions via the power management system. The power supply 409 may also include any component of one or more dc or ac power sources, recharging systems, power failure detection circuitry, power converters or inverters, power status indicators, and the like.

Although not shown, the electronic device may further include a camera, a bluetooth module, and the like, which are not described in detail herein. Specifically, in this embodiment, the processor 408 in the electronic device loads the executable file corresponding to the process of one or more application programs into the memory 402 according to the following instructions, and the processor 408 runs the application programs stored in the memory 402, thereby implementing various functions:

It will be understood by those skilled in the art that all or part of the steps of the methods of the above embodiments may be performed by instructions or by associated hardware controlled by the instructions, which may be stored in a computer readable storage medium and loaded and executed by a processor.

To this end, the present application provides a storage medium, in which a plurality of instructions are stored, where the instructions can be loaded by a processor to execute the steps in any one of the medical payment methods provided in the present application. For example, the instructions may perform the steps of:

The above operations can be implemented in the foregoing embodiments, and are not described in detail herein.

Wherein the storage medium may include: read Only Memory (ROM), Random Access Memory (RAM), magnetic or optical disks, and the like.

The instructions stored in the storage medium can execute the steps in any medical payment method provided in the embodiment of the present application, so that the beneficial effects that can be realized by any medical payment method provided in the embodiment of the present application can be realized, which are detailed in the foregoing embodiments and will not be described herein again.

The medical payment method, the medical payment device and the storage medium provided by the embodiment of the application are described in detail above, a specific example is applied in the description to explain the principle and the implementation of the application, and the description of the embodiment is only used to help understand the method and the core idea of the application; meanwhile, for those skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.

Claims

1. A medical payment method is characterized by comprising the following steps:

2. The medical payment method of claim 1, wherein the paying the medical payment information based on the medical insurance information comprises:

3. The medical payment method of claim 2, further comprising:

4. The medical payment method of claim 3, after determining that the user does not have an electronic medical insurance certificate, and before obtaining the electronic medical insurance certificate of the user based on the medical insurance information, further comprising:

5. The medical payment method of claim 4, wherein the registering and activating the electronic medical insurance certificate based on the medical insurance information and the biometric information comprises:

6. The medical payment method of claim 1, after the obtaining of the biometric information of the user and before the obtaining of the medical payment information corresponding to the user according to the biometric information, further comprising:

7. A medical payment method as claimed in any one of claims 1 to 6, wherein the biometric information comprises fingerprint information, finger vein information, face information or iris information.

8. A medical payment device, comprising:

9. A storage medium storing a plurality of instructions adapted to be loaded by a processor to perform the method of any of claims 1 to 7.

10. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1-7 when executing the computer program.