CN201629010U - Payment instrument based on double-medium medical insurance cards - Google Patents
Payment instrument based on double-medium medical insurance cards Download PDFInfo
- Publication number
- CN201629010U CN201629010U CN2010201559814U CN201020155981U CN201629010U CN 201629010 U CN201629010 U CN 201629010U CN 2010201559814 U CN2010201559814 U CN 2010201559814U CN 201020155981 U CN201020155981 U CN 201020155981U CN 201629010 U CN201629010 U CN 201629010U
- Authority
- CN
- China
- Prior art keywords
- medical insurance
- card
- transaction
- account
- bank
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Lifetime
Links
Images
Landscapes
- Medical Treatment And Welfare Office Work (AREA)
Abstract
An embodiment of the utility model provides a payment instrument based on double-medium medical insurance cards, which comprises a bank issuing server (a), a double-medium medical insurance card (b) and a medical insurance trading terminal (c). The bank issuing server (a) comprises a data storage device, a recharge treatment device and an accounting treatment device, the double-medium medical insurance card (b) comprises a micro-electric chip and a magnetic bar, the medical insurance trading terminal (c) comprises a keyboard, a chip reader, a magnetic bar reader, a communication device, a display and a printer, wherein the keyboard is used for inputting trading requests, the chip reader is used for reading the micro-electric chip of the double-medium medical insurance card, the magnetic card reader is used for reading the magnetic bar of the double-medium medical insurance card, the communication device is used for data communication with the issuing server, the display is used for displaying trading items and trading results, the printer is used for printing receipts, and the bank issuing server is connected with the medical trading terminal via a communication network, thereby resolving the problem that bank account is unrelated with medical insurance account and completing medical payment by swiping card once.
Description
Technical field
The utility model is about bank card payment technology field, and particularly the medical insurance card payment technology about being associated with bank account is a kind of payment mechanism based on two medium medical insurance cards concretely.
Background technology
Follow China's rapid development of economy, the social civilization degree improves constantly, and resident's basic medical insurance system is arisen at the historic moment, and the medical insurance card is widely used.But medical insurance is stuck in to the patient seeks medical advice and hospital management when offering convenience, owing to there is following technological deficiency, has greatly limited the benign development of medical security system, and this technological deficiency is in particular in:
Insured people pays the fees with medical insurance at one's own expense and separates, and once going to a doctor needs secondary to swipe the card.When present insured people pays the fees, under the situation that project at one's own expense or medical insurance account balance deficiency are arranged, need pay cash or brush bank card in addition, a transaction divides many to finish, and causes the difficulty of paying the fees, long, the inefficient phenomenon of business processing of queuing time.
After paying the fees, the voucher of clearing of bank account and medical insurance account is not related, and the voucher of clearing of bank account can't determine that medical insurance purchases the consumption that medicine produces, and is not easy to insured personnel and checks the information of paying the fees and medical insurance reimbursement.The client still needs oneself to go the site sales counter again or sends a telegraph telephone bank and do neocaine and enable processing.
The utility model content
The utility model embodiment provides a kind of payment mechanism based on two medium medical insurance cards, and to solve bank account and the not related problem of medical insurance account, realizing once swipes the card can finish medical treatment and pay the fees.
The purpose of this utility model is, a kind of payment mechanism based on two medium medical insurance cards is provided, this payment mechanism comprises: (a) bank's card issuer server comprises: the data storage device that is used to store the medical insurance card customer information that comprises medical insurance card name in an account book, medical insurance number of the account and Bank Account Number; Be used for supplementing treating apparatus with money to what the medical insurance number of the account remaining sum of medical insurance card was supplemented with money; Be used for accounting processing device that the medical insurance number of the account and/or the Bank Account Number of medical insurance card are withholdd; (b) two medium medical insurance cards comprise: have the radio communication function, and store the microelectronic chip of medical insurance number of the account and Bank Account Number; Store the magnetic stripe of Bank Account Number; (c) medical insurance transaction terminal comprises: the keyboard that is used to import transaction request; Be used to read the chip reader of the microelectronic chip of described pair of medium medical insurance card; Be used to read the magnetic strip reader of the magnetic stripe of described pair of medium medical insurance card; Be used for carrying out the communicator of data communication with card issuer server; Be used to show the display of trading item and transaction results; Be used to print the printer of transaction with bar; Bank's card issuer server is connected with medical transaction terminal by communication network.
The beneficial effects of the utility model are, (1) realized once swiping the card based on two medium medical insurance cards, the rapid payment scheme that two accounts of medical insurance account and bank account are withholdd, and medical insurance medicine is arranged simultaneously and at one's own expense under the situation of medicine in not enough or Medical Consumption for the medical insurance account balance, only need once card of brush, just can carry out withholing of two accounts simultaneously, this modes of payments is more quick, has improved treatment effeciency.
(2) two medium medical insurance cardholder are after transaction on the medical insurance transaction terminal, the printable evidence for payment detail record that goes out of medical insurance transaction terminal affiliated medical insurance industry unit, client's medical insurance numbering, medical insurance account number, credit account number, trade date, bank transaction serial number, medical insurance medicine dealing money, information such as medicine dealing money, medical insurance account balance, medical insurance transaction terminal (POS) number, medical insurance transaction terminal (POS) transaction journal number, teller number at one's own expense, make things convenient for the user to check and submit an expense account with medical insurance.
(3) adopt the medical insurance card of the two medium designs of a card, with medical insurance number of the account and individual number of the account and exist on the card, reduced card quantity in kind and do not reduce and use account quantity; Can make things convenient for emergent use of insured personnel money in Private Banking's account when the medical insurance account balance is not enough on the one hand, solve the matter of great urgency; Can enlarge the usable range of this card on the other hand, the client that conveniently the holds payment and settlement of going out.
Description of drawings
In order to be illustrated more clearly in the utility model embodiment or technical scheme of the prior art, to do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below, apparently, accompanying drawing in describing below only is embodiment more of the present utility model, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the payment mechanism annexation synoptic diagram of embodiment 1 based on two medium medical insurance cards;
Fig. 2 is the structured flowchart of embodiment 1 bank's card issuer server;
Fig. 3 is the structured flowchart of embodiment 1 medical insurance transaction terminal;
Fig. 4 is the synoptic diagram of 1 pair of medium medical insurance of embodiment card;
Fig. 5 is the communication flow diagram of embodiment 1 based on the payment mechanism of two medium medical insurance cards;
Fig. 6 is the payment mechanism annexation synoptic diagram of embodiment 2 based on two medium medical insurance cards;
Fig. 7 is the structured flowchart of embodiment 2 bank's card issuer servers;
Fig. 8 is the structured flowchart of embodiment 2 medical insurance transaction terminals;
Fig. 9 is the structured flowchart of embodiment 2 medical insurance maintenance terminals;
Figure 10 is the communication flow diagram of embodiment 2 based on the payment mechanism of two medium medical insurance cards;
Figure 11 is the workflow diagram of embodiment 2 based on the payment mechanism of two medium medical insurance cards.
Embodiment
Below in conjunction with the accompanying drawing among the utility model embodiment, the technical scheme among the utility model embodiment is clearly and completely described, obviously, described embodiment only is the utility model part embodiment, rather than whole embodiment.Based on the embodiment in the utility model, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the utility model protection.
Embodiment 1
As shown in Figure 1, present embodiment provides a kind of payment mechanism based on two medium medical insurance cards, and this payment mechanism comprises: bank's card issuer server 100, medical insurance transaction POS terminal 200 and two medium medical insurance card 300; Bank's card issuer server 100 is connected with medical insurance transaction POS terminal 200 by bank's external network.The data that medical insurance transaction POS terminal 200 reads in two medium medical insurance cards 300.
As shown in Figure 2, bank's card issuer server 100 comprises: the data storage device 101 that is used to store the medical insurance card customer information that comprises medical insurance card name in an account book, medical insurance number of the account and Bank Account Number; Be used for supplementing treating apparatus 102 with money to what the medical insurance number of the account remaining sum of medical insurance card was supplemented with money; Be used for accounting processing device 103 that the medical insurance number of the account and/or the Bank Account Number of medical insurance card are withholdd.
As shown in Figure 3, medical insurance transaction terminal 200 comprises: the Transaction Information input media 201 that is used to import transaction request; Be used to read the chip reader 202 of the microelectronic chip of described pair of medium medical insurance card; Be used to read the magnetic strip reader 203 of the magnetic stripe of described pair of medium medical insurance card; Be used for carrying out the Transaction Information communicator 204 of data communication with card issuer server; Be used to show the Transaction Information display device 205 of trading item and transaction results; Be used to print the Transaction Information printing equipment 206 of transaction with bar.
As shown in Figure 4, two medium medical insurance cards 300 comprise: have the radio communication function, and store the microelectronic chip 301 of medical insurance number of the account and Bank Account Number; Store the magnetic stripe 302 of Bank Account Number.
Bank's card issuer server 100 can be a mainframe computer, also can be medium and small computing machine, is responsible for the core process of bank main end in granting of medical insurance card and the process of exchange and handles.Bank's card issuer server 100 can be connected with POS terminal 200 by external network, and external network can be common telephone communication network, wireless communication networks, Internet interconnection network etc.
As shown in Figure 5, the communication equipment workflow based on the payment mechanism of two medium medical insurance cards comprises:
Step a1, bank's card issuer server for the client sends corresponding medical insurance account and personal account, and store medical insurance card accounts information and affiliated trade information into data storage device according to individual client's information of participating in medical insurance.The data of data storage device stores can comprise information such as the affiliated medical insurance industry unit of client, client's medical insurance number of the account, Bank Account Number, medical insurance card number, customer status, medical insurance account and bank account.
Step a2, bank's card issuer server send the two medium medical insurance cards that store medical insurance number of the account and Bank Account Number at least.The medical insurance card is the smart card (as Fig. 4) by the magnetic stripe of issued by banks and the two media of chip, this medical insurance card is with medical insurance number of the account and Private Banking's number of the account and exist on the card, wherein, magnetic strip medium storage Private Banking's account information (can be bank's card number), corresponding to the bank account of credit card issuer host computer system, the function that Bank Account Number provides bank finance to use for the client; Chip medium storage medical insurance number of the account (can be the medical insurance card number) and Bank Account Number corresponding to the medical insurance account and the bank account of credit card issuer host computer system, and write down the medical insurance trade information of this medical insurance card, and the medical insurance card number provides the function of the application of medical insurance industry for the client.
Step a3, make the microelectronic chip of two medium medical insurance cards store medical insurance number of the account and Bank Account Number; Make the magnetic stripe stores of two medium medical insurance cards that Bank Account Number be arranged.
Step a4, bank's card issuer server are supplemented with money the pairing medical insurance account of the medical insurance number of the account of two medium medical insurance cards by supplementing treating apparatus with money, be responsible for finishing the processing of supplementing with money of medical insurance card medical insurance account balance, supplement treating apparatus with money and can pay information according to holding the actual medical insurance of medical insurance card client, regular medical insurance expense with certain amount of money changed in the medical insurance account of medical insurance card in every month.
Step a5, employing medical insurance transaction POS terminal read the medical insurance number of the account and the Bank Account Number of two medium medical insurance cards.Medical insurance transaction POS terminal is the POS transaction terminal that can be placed in hospital or pharmacy, and medical insurance transaction POS terminal comprises: medical insurance functional module and financial function module.The financial function module is mainly finished the business processing of medical insurance magnetic stripe card, and is identical with the financial function of existing common POS terminal.The medical insurance functional module can comprise: the request identification module, and the request identification module mainly is responsible for the transaction request type that the user selects by the Transaction Information input keyboard is discerned, and transaction request can comprise query requests, the request of paying the fees etc.
Step a6, medical insurance functional module can comprise the processing module of paying the fees, the processing module of paying the fees is responsible for receiving the request of paying the fees that the request identification module forwards, driving hardware card-reading apparatus reads medical insurance card number information and the bank's card number information in the medical insurance the core of the card sheet medium, and the dealing money of paying the fees by display prompts user input, dealing money comprises the medical insurance payment and the amount of money at one's own expense;
The medical insurance functional module can comprise query processing module, query processing module is responsible for the query requests of asking identification module to forward, query requests comprises requests such as querying the balance, inquire about detail, and driving hardware card-reading apparatus reads the medical insurance card number information in the medical insurance the core of the card sheet medium.
Step a7, the medical insurance transaction POS terminal transaction data such as processing, query processing of will paying the fees are uploaded to bank's card issuer server by the Transaction Information communicator and handle.
The accounting processing device of step a8, bank's card issuer server is responsible for the accounting processing of medical insurance card (comprising medical insurance account and bank account) fund, the accounting processing device is after receiving transaction request, judge the validity of request msg, finish the respective handling of medical insurance card account fund, as consume, pay the fees, processing such as inquiry.For example: during for medical insurance account balance deficiency, can withhold to the remaining sum of bank account.And for example: the medical insurance expenses for medicine is arranged in medical expense simultaneously and at one's own expense under the situation of expenses for medicine, only need medical insurance card of brush, just can carry out withholing of pairing two accounts of medical insurance number of the account and Bank Account Number simultaneously.
Step a9, bank's card issuer server return transaction results to medical insurance transaction POS terminal.
The medical insurance functional module of step a10, medical insurance transaction POS terminal also can comprise the voucher print module, and the voucher print module is responsible for the transaction voucher of the transaction of successfully paying the fees is printed by the Transaction Information printer.Credential information can comprise medical insurance industry unit, client's medical insurance numbering, medical insurance card number, Private Banking's card number, trade date, bank transaction serial number, medical insurance medicine dealing money, information such as medicine dealing money, medical insurance account balance, POS terminal number, POS terminal transaction serial number, teller number at one's own expense.
Embodiment 2
As shown in Figure 6, the payment mechanism based on two medium medical insurance cards of present embodiment comprises: bank's card issuer server 100 ', medical insurance transaction POS terminal 200 ', POS terminal 200 is safeguarded in medical insurance " and two medium medical insurance card 300 '; Bank's card issuer server 100 ' by bank's external network and medical insurance transaction POS terminal 200 ' and medical insurance safeguard that POS terminal 200 " is connected.Medical insurance transaction POS terminal 200 ' and medical insurance safeguard POS terminal 200 " read two medium medical insurance cards 300 ' in data.
As shown in Figure 7, bank's card issuer server 100 ' comprising: be used to store the data storage device 101 of the medical insurance card customer information that comprises medical insurance card name in an account book, medical insurance number of the account and Bank Account Number '; Be used for to the medical insurance number of the account remaining sum of medical insurance card supplement with money supplement with money treating apparatus 102 '; Be used for accounting processing device 103 that the medical insurance number of the account and/or the Bank Account Number of medical insurance card are withholdd '; Be used for the Transaction Information of medical insurance transaction terminal 200 ' send is carried out safety certification, and the feedback authentication result give medical insurance transaction terminal 200 ' transaction authentication device 104 '; Be used for medical insurance maintenance terminal 200 " maintenance information of sending is carried out safety certification, and the feedback authentication result is given medical insurance maintenance terminal 200 " safeguard authenticate device 105 '.
As shown in Figure 8, medical insurance transaction terminal 200 ' comprising: the Transaction Information input media 201 of input transaction request '; Read two medium medical insurance cards 300 ' microelectronic chip chip reader 202 '; Read two medium medical insurance cards 300 ' magnetic stripe magnetic strip reader 203 '; With the Transaction Information communicator 204 of card issuer server 100 ' carry out data communication '; The Transaction Information display device 205 of demonstration trading item and transaction results '; Print transaction with the Transaction Information printing equipment 206 of bar '; The cipher authentication device 207 that the medical insurance clip pin that the client is imported by keyboard authenticates '.
As shown in Figure 9, medical insurance maintenance terminal 200 " comprising: the maintenance information input media 201 of input maintenance request and editor's medical insurance card information "; Read the chip reader 202 of the microelectronic chip of two medium medical insurance cards "; Read two medium medical insurance cards 300 ' the magnetic strip reader 203 of magnetic stripe "; Be used for and card issuer server 100 ' the carry out maintenance information communicator 204 of data communication "; Show Maintenance Significant Items and the maintenance information display device 205 of safeguarding the result "; Print the maintenance information printing equipment of safeguarding with bar 206 "; The cipher authentication device 207 that the medical insurance clip pin that the client is imported by keyboard authenticates ".
As shown in figure 10, the communication equipment workflow based on the payment mechanism of two medium medical insurance cards comprises:
Step b1, bank's card issuer server for the client sends corresponding medical insurance account and personal account, and store medical insurance card accounts information and affiliated trade information into data storage device according to individual client's information of participating in medical insurance.The data of data storage device stores can comprise information such as the affiliated medical insurance industry unit of client, client's medical insurance number of the account, Bank Account Number, medical insurance card number, customer status, medical insurance account and bank account.
Step b2, bank's card issuer server send the two medium medical insurance cards that store medical insurance number of the account and Bank Account Number at least.The medical insurance card is the smart card (as Fig. 4) by the magnetic stripe of issued by banks and the two media of chip, this medical insurance card is with medical insurance number of the account and Private Banking's number of the account and exist on the card, wherein, magnetic strip medium storage Private Banking's account information (can be bank's card number), corresponding to the bank account of credit card issuer host computer system, the function that Bank Account Number provides bank finance to use for the client; Chip medium storage medical insurance number of the account (can be the medical insurance card number) and Bank Account Number corresponding to the medical insurance account and the bank account of credit card issuer host computer system, and write down the medical insurance trade information of this medical insurance card, and the medical insurance card number provides the function of the application of medical insurance industry for the client.
Step b3, make the microelectronic chip of two medium medical insurance cards store medical insurance number of the account and Bank Account Number; Make the magnetic stripe stores of two medium medical insurance cards that Bank Account Number be arranged.
Step b4, bank's card issuer server are supplemented with money the pairing medical insurance account of the medical insurance number of the account of two medium medical insurance cards by supplementing treating apparatus with money, be responsible for finishing the processing of supplementing with money of medical insurance card medical insurance account balance, supplement treating apparatus with money and can pay information according to holding the actual medical insurance of medical insurance card client, regular medical insurance expense with certain amount of money changed in the medical insurance account of medical insurance card in every month.
Step b5, employing medical insurance transaction POS terminal read the medical insurance number of the account and the Bank Account Number of two medium medical insurance cards.Medical insurance transaction POS terminal is the POS transaction terminal that can be placed in hospital or pharmacy, and medical insurance transaction POS terminal comprises: medical insurance functional module and financial function module.The financial function module is mainly finished the business processing of medical insurance magnetic stripe card, and is identical with the financial function of existing common POS terminal.The medical insurance functional module can comprise: the request identification module, and the request identification module mainly is responsible for the transaction request type that the user selects by the Transaction Information input keyboard is discerned, and transaction request can comprise query requests, the request of paying the fees etc.
Step b6, medical insurance functional module can comprise the processing module of paying the fees, the processing module of paying the fees is responsible for receiving the request of paying the fees that the request identification module forwards, driving hardware card-reading apparatus reads medical insurance card number information and the bank's card number information in the medical insurance the core of the card sheet medium, and the dealing money of paying the fees by display prompts user input, dealing money comprises the medical insurance payment and the amount of money at one's own expense;
The medical insurance functional module can comprise query processing module, query processing module is responsible for the query requests of asking identification module to forward, query requests comprises requests such as querying the balance, inquire about detail, and driving hardware card-reading apparatus reads the medical insurance card number information in the medical insurance the core of the card sheet medium.
Step b7, medical insurance transaction POS terminal are pointed out medical insurance clip pin inputting interface to the card user.
Step b8, card user import the medical insurance clip pin by the keyboard of medical insurance transaction POS terminal.
The medical insurance clip pin of step b9, medical insurance transaction POS terminal local authentication client input.
After the success of step b10, cipher authentication, the medical insurance transaction POS terminal transaction data such as processing, query processing of will paying the fees are uploaded to bank's card issuer server by the Transaction Information communicator and handle.
The transaction authentication device of step b11, bank's card issuer server authenticates the legitimacy of medical insurance card and transaction.The accounting processing device of bank's card issuer server is responsible for the accounting processing of medical insurance card (comprising medical insurance account and bank account) fund, the accounting processing device is after receiving transaction request, judge the validity of request msg, finish the respective handling of medical insurance card account fund, as consume, pay the fees, processing such as inquiry.For example: during for medical insurance account balance deficiency, can withhold to the remaining sum of bank account.And for example: the medical insurance expenses for medicine is arranged in medical expense simultaneously and at one's own expense under the situation of expenses for medicine, only need medical insurance card of brush, just can carry out withholing of pairing two accounts of medical insurance number of the account and Bank Account Number simultaneously.
Step b12, bank's card issuer server return transaction results to medical insurance transaction POS terminal.
The medical insurance functional module of step b13, medical insurance transaction POS terminal also can comprise the voucher print module, and the voucher print module is responsible for the transaction voucher of the transaction of successfully paying the fees is printed by the Transaction Information printer.Credential information can comprise medical insurance industry unit, client's medical insurance numbering, medical insurance card number, Private Banking's card number, trade date, bank transaction serial number, medical insurance medicine dealing money, information such as medicine dealing money, medical insurance account balance, POS terminal number, POS terminal transaction serial number, teller number at one's own expense.
Adopt medical insurance to safeguard that the communication of POS terminal and workflow comprise:
Step c1, employing medical insurance safeguard that the POS terminal reads the medical insurance number of the account and the Bank Account Number of two medium medical insurance cards.Medical insurance safeguards that the POS terminal is the POS terminal that can be arranged on bank outlets, mainly finishes medical insurance card card management function, comprises specifically that card is enabled, the amended record of medical insurance card information, the modification of medical insurance IC-card password etc.
The maintenance information input keyboard of POS terminal is safeguarded in step c2, medical insurance, the maintenance request that input comprises that card is enabled, the amended record of medical insurance card information, medical insurance IC-card password are revised; The maintenance information processing module is handled maintenance request information.
Step c3, medical insurance safeguard the POS terminal by the maintenance information communication module with maintenance information send to card issuer server 100 '.
Step c4, card issuer server 100 ' the authentication module of safeguarding the legitimacy of maintenance information and medical insurance card is authenticated, and the maintenance information of authentication success handled, comprise that specifically card enables processing, medical insurance card information amended record processing, medical insurance IC-card password and revise and handle etc.; Card issuer server 100 ' the authentication module feedback authentication processing result that safeguards give medical insurance maintenance terminal 200 ".
Step c5, medical insurance safeguard that the POS terminal will safeguard that by display successful information is shown to the client, and safeguard with bar by printer prints.
In actual applications, present embodiment carries out the medical insurance payment of paying the fees and can may further comprise the steps: the customer information that bank's card issuer server provides according to the medical insurance center is left corresponding medical insurance card, and to medical insurance card medical insurance account its medical insurance amount of money paid of regularly transferring.The user holds medical insurance and snaps into bank outlets and safeguard that the POS terminal carries out enabling of medical insurance card card.The holder is in the payment of paying the fees of the transaction POS of hospital or pharmacy terminal.
As shown in figure 11, the implementation method and the flow process of the payment of paying the fees for the medical insurance card of present embodiment is online, its concrete steps are as follows:
Step S100: the cashier of the medical insurance trade company POS that concludes the business selects pay charge way, selects for use the medical insurance card to pay the fees or bank card is paid the fees.If use bank card to pay the fees, then brush magnetic stripe, enter step S102; If select for use the medical insurance card to pay the fees, then the medical insurance card inserts card reader interface;
Step S101: the cashier of medical insurance trade company wherein is input as for the first time the payment of medical insurance medicine at twice input of the transaction POS of point of sale dealing money, is input as the payment of medicine (two consumption amount of money can not be zero entirely) at one's own expense for the second time, clicks and confirms;
Step S102: with the consumption treatment scheme of the existing POS of Unionpay;
Step S103: the holder imports medical insurance the core of the card sheet media password, and the correctness of local calibrating chip media password if password authentification is passed through, is then sent transaction request to the credit card issuer host computer system, if cryptographic check is not passed through, carries out step S104;
Step S104: transaction POS prompting Fail Transaction, return failure information;
Step S105: bank's card issuer server receives the transaction request that transaction POS sends;
Step S106: bank's card issuer server is differentiated the legitimacy of medical insurance card, individual's card in the Transaction Information, does not pass through prompting " illegal medical insurance card can't be accepted " as checking;
Step S107: bank's card issuer server is checked the acceptance range of this medical insurance unit, then points out " this unit can not accept this card " as not allowing;
Step S108: after inspection is passed through, bank's card issuer server is detained account and is handled: if the medical insurance medicine dealing money is less than the balance of deposits of medical insurance account, then directly from the account, deduct, otherwise after medical insurance fund account remaining sum deduction finished, the residue insufficient section was withholdd from the credit account balance of medical insurance account correspondence; Medicine dealing money part is also directly withholdd from this personal account remaining sum at one's own expense simultaneously;
Step S109: bank's card issuer server returns result to transaction POS;
Step S110: transaction POS judges the Transaction Information that bank's card issuer server returns.
Step S111: transaction POS prints the transaction of paying the fees with bar.
The beneficial effects of the utility model are that a transaction POS who networks with bank can install in (one) medical insurance card unit of accepting, and just can realize once swiping the card the rapid payment scheme that two accounts are withholdd.Medical insurance medicine is arranged in not enough or Medical Consumption simultaneously for the medical insurance account balance and at one's own expense under the situation of medicine, only need brush once to block, just can carry out withholing of two accounts simultaneously, this modes of payments is more quick, has improved treatment effeciency.(2) the evidence for payment detail record that prints after insured people (holder) consumption affiliated medical insurance industry unit, client's medical insurance numbering, medical insurance account number, credit account number, trade date, bank transaction serial number, medical insurance medicine dealing money, information such as medicine dealing money, medical insurance account balance, POS terminal number, POS transaction journal number, teller number at one's own expense, make things convenient for the user to check and submit an expense account with medical insurance.(3) adopt the medical insurance card of the two medium designs of a card, with medical insurance number of the account and individual number of the account and exist on the card, reduced card quantity in kind and do not reduce and use account quantity; Can make things convenient for emergent use of insured personnel money in Private Banking's account when the medical insurance account balance is not enough on the one hand, solve the matter of great urgency; Can enlarge the usable range of this card on the other hand, make things convenient for worker's payment and settlement of going out.
In addition, medical insurance card system in the utility model has alleviated the burden of medical insurance centre management account and fund greatly, medical insurance unit is that insured people (holder) supplements with money in bank directly, realized control simultaneously to the card acceptance range, can realize the control of accepting of trans-regional pharmacy, hospital by area, franchised business's numbering to different medical insurance units.Also can pay individual interest according to bank's rate of call meter, stably rise in value for insured people's idle fund individual medical insurance account.
Used specific embodiment in the utility model principle of the present utility model and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present utility model and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present utility model, the part that all can change in specific embodiments and applications, in sum, this description should not be construed as restriction of the present utility model.
Claims (6)
1. payment mechanism based on two medium medical insurance cards is characterized in that described payment mechanism comprises:
(a) bank's card issuer server, described bank card issuer server comprises:
Be used to store the data storage device of the medical insurance card customer information that comprises medical insurance card name in an account book, medical insurance number of the account and Bank Account Number;
Be used for supplementing treating apparatus with money to what the medical insurance number of the account remaining sum of described medical insurance card was supplemented with money;
Be used for accounting processing device that the medical insurance number of the account and/or the Bank Account Number of described medical insurance card are withholdd;
(b) two medium medical insurance cards, described pair of medium medical insurance card comprises:
Have the radio communication function, and store the microelectronic chip of medical insurance number of the account and Bank Account Number;
Store the magnetic stripe of Bank Account Number;
(c) medical insurance transaction terminal, described medical insurance transaction terminal comprises:
Be used to import the Transaction Information input media of transaction request;
Be used to read the chip reader of the microelectronic chip of described pair of medium medical insurance card;
Be used to read the magnetic strip reader of the magnetic stripe of described pair of medium medical insurance card;
Be used for carrying out the Transaction Information communicator of data communication with described card issuer server;
Be used to show the Transaction Information display device of trading item and transaction results;
Be used to print the Transaction Information printing equipment of transaction with bar;
Described bank card issuer server is connected with described medical transaction terminal by communication network.
2. the payment mechanism based on two medium medical insurance cards according to claim 1 is characterized in that described payment mechanism also comprises:
(d) medical insurance maintenance terminal, described medical insurance maintenance terminal comprises:
Be used to import the maintenance information input media of maintenance request and editor's medical insurance card information;
Be used to read the chip reader of the microelectronic chip of described pair of medium medical insurance card;
Be used for carrying out the maintenance information communicator of data communication with described card issuer server;
The maintenance information display device that is used to show Maintenance Significant Items and safeguards the result;
Described bank card issuer server is connected with described medical insurance maintenance terminal by communication network.
3. the payment mechanism based on two medium medical insurance cards according to claim 1 is characterized in that, described bank card issuer server also comprises:
Be used for the Transaction Information that described medical insurance transaction terminal is sent is carried out safety certification, and the feedback authentication result is given the transaction authentication device of described medical insurance transaction terminal.
4. the payment mechanism based on two medium medical insurance cards according to claim 1 is characterized in that, described medical insurance transaction terminal also comprises:
Be used for cipher authentication device that the medical insurance clip pin of client by keyboard input authenticated.
5. the payment mechanism based on two medium medical insurance cards according to claim 2 is characterized in that, described bank card issuer server also comprises:
Be used for the maintenance information that described medical insurance maintenance terminal is sent is carried out safety certification, and the feedback authentication result is given the authenticate device of safeguarding of described medical insurance maintenance terminal.
6. the payment mechanism based on two medium medical insurance cards according to claim 2 is characterized in that, described medical insurance maintenance terminal also comprises:
Be used for cipher authentication device that the medical insurance clip pin of client by keyboard input authenticated.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010201559814U CN201629010U (en) | 2010-04-08 | 2010-04-08 | Payment instrument based on double-medium medical insurance cards |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010201559814U CN201629010U (en) | 2010-04-08 | 2010-04-08 | Payment instrument based on double-medium medical insurance cards |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN201629010U true CN201629010U (en) | 2010-11-10 |
Family
ID=43060406
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010201559814U Expired - Lifetime CN201629010U (en) | 2010-04-08 | 2010-04-08 | Payment instrument based on double-medium medical insurance cards |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN201629010U (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102238193A (en) * | 2011-08-09 | 2011-11-09 | 深圳市德卡科技有限公司 | Data authentication method and system using same |
| CN102364516A (en) * | 2011-10-24 | 2012-02-29 | 北京银行股份有限公司 | Method and system for authenticating payment information of integrated circuit (IC) social security card |
| CN113658027A (en) * | 2021-08-26 | 2021-11-16 | 安徽蒂姆自动化科技有限公司 | Convenient service platform for smart city |
-
2010
- 2010-04-08 CN CN2010201559814U patent/CN201629010U/en not_active Expired - Lifetime
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102238193A (en) * | 2011-08-09 | 2011-11-09 | 深圳市德卡科技有限公司 | Data authentication method and system using same |
| CN102364516A (en) * | 2011-10-24 | 2012-02-29 | 北京银行股份有限公司 | Method and system for authenticating payment information of integrated circuit (IC) social security card |
| CN113658027A (en) * | 2021-08-26 | 2021-11-16 | 安徽蒂姆自动化科技有限公司 | Convenient service platform for smart city |
| CN113658027B (en) * | 2021-08-26 | 2023-12-15 | 安徽蒂姆自动化科技有限公司 | Smart city convenience service platform |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11875317B2 (en) | Electronic money transfer method and system for the same | |
| KR101903963B1 (en) | Prepaid card with savings feature | |
| US6848615B2 (en) | Card payment method and card payment system for door-to-door delivery | |
| JP6412040B2 (en) | Payment processing apparatus, method, and computer program | |
| US20160012428A1 (en) | Systems and methods for providing secure data transmission between networked computing systems | |
| AU2007295102B2 (en) | A method and system for managing purchase transactions between a customer and a merchant | |
| JP6644972B2 (en) | Internet banking funds transfer terminal program, funds transfer method, and cash card | |
| JP4705954B2 (en) | Real-time point-of-sale (POS) address change processing | |
| CN101095162A (en) | System and method for a secure transaction module | |
| JP2017130013A (en) | Settlement management system, settlement management method, and settlement management program | |
| CN101206768A (en) | Automatic tickets selling system, method and terminal thereof | |
| JP2017117387A (en) | Settlement system | |
| JP2004062771A (en) | Settlement system using account of internet bank | |
| CN201629010U (en) | Payment instrument based on double-medium medical insurance cards | |
| JP2002109237A (en) | Ic card for card dealing | |
| US20040117303A1 (en) | Apparatus and anonymous payment system (ASAP) for the internet and other networks | |
| WO2004097701A1 (en) | Electronic money management system, electronic money management method, and computer program | |
| JP2019114288A (en) | Settlement system | |
| KR20040073779A (en) | Pre-paid card systems and related methods having integrated authorization processing, new cash-deposit functions, or inter-card cash-sending | |
| WO2021015217A1 (en) | Settlement medium validation method and system | |
| CA3201909A1 (en) | Systems and methods for proxy card and/or wallet redemption card transactions | |
| CN202351986U (en) | Electronic point-of-sale (POS) machine and electronic POS system | |
| KR100750434B1 (en) | System and Method for Processing Money Changing by Using Credit Card in Bank, Devices for Providing Information and Recording Medium | |
| JPWO2004075081A1 (en) | Mobile/Internet commerce payment system | |
| JP7474010B1 (en) | A payment system that simultaneously settles community currencies and fiat currencies |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CX01 | Expiry of patent term | ||
| CX01 | Expiry of patent term |
Granted publication date: 20101110 |