JP2006293752A - Medical expense payment system using consultation ticket - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To dissolve long waiting time for an inspection, a medical examination, and payment of a bill at an accountant window when a patient utilizes a medical institute, and to make carrying of cash unnecessary in the payment of medical expenses. <P>SOLUTION: When a patient pays all expenses generated by medical treatment in a medical institute, the patient can bring a consultation ticket cooperated with a credit corporation, a consultation ticket cooperated with prepaid card corporation, a consultation ticket cooperated with a debit card, or a consultation ticket cooperated with a bank. A magnetic tape or an IC, and a memory chip are buried in the consultation ticket, and own personal information and an amount of available necessary money of a patient are maintained in the magnetic tape or the IC, and the memory chip. The consultation card can be used as an electronic money card having a function capable of paying by transferring electronic money of the consultation ticket at a CD or ATM. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention eliminates the hassle and complexity of self-management by owning a medical examination ticket for each medical institution, and eliminates the trouble of cash settlement for payment of medical expenses for each medical institution, and does not carry cash. However, the present invention relates to a medical fee payment system using a medical examination ticket that can be examined, examined, and treated.

  In the present invention, the medical institution indicates hospitals, clinics, sanatoriums, and other medical institutions such as pharmacies, and the present invention relates to medical expenses, examination costs, treatment costs, hospitalization costs in the plurality of medical institutions. In addition, the present invention provides a medical cost payment system that can be used in common for a single examination ticket to pay for surgical expenses, drug charges, and the like.

The medical examination ticket used in the present invention uses an electronic money card as a means for paying medical expenses.
Thus, the electronic money card is, for example, a credit card of a credit company, a cash card of a bank, a prepaid card of a prepaid card, and a debit card company. In the debit card, magnetic tape, IC and memory chip are embedded in the debit card, the deposit balance of your account in the memory, and the amount within the predetermined limit from the card balance Is prepared, and the amount of money is transferred to a medical institution by an electronic money card-dedicated CD / ATM and can be paid.

Conventionally, complicated medical accounting processing systems and computer programs for medical accounting processing systems have been developed from the standpoint of hospital management.
For example, Patent Document 1 discloses a medical accounting processing system that can easily perform processing or management of medical information that is usually required for hospitals, including medical fee calculation work.
JP 2003-203114 A

  The problem to be solved by the present invention relates to a medical cost payment system which is considered from the standpoint of providing services to hospital users, rather than performing complicated medical accounting processing from the standpoint of hospital management as in Patent Document 1 above. Is.

A problem for patients who use medical institutions such as hospitals is that every time they receive examinations and medical treatments, wait for a long period of time to pay when the medical treatment is completed, and carry cash for them.
Cash management in illness treatment is not a nuisance, but it puts a heavy burden on the momentum companion, but when this becomes hospitalization, cash management in the hospital room is never desirable, In addition, the current situation is that payment at the time of discharge has been paid by the family with an approximate amount.

  Thus, the present invention eliminates the long waiting time in the accounting in the medical institution described above, and does not need to carry cash every time the patient goes to the hospital. It provides a system for paying medical expenses based on the position. .

  In the present invention, when a patient pays all expenses such as medical examination costs, examination costs, medical expenses, and medicine charges, the patient is charged with a credit card examination card in cooperation with a credit company, and a cash card examination card in cooperation with a bank. Have a prepaid examination ticket in cooperation with a prepaid card company or an immediate payment examination ticket in cooperation with a debit card company, and each of these examination tickets is embedded with a magnetic tape, IC and memory chip, In the IC and memory chip, the patient's own name, the name of each medical institution, personal information such as the patient ID of each medical institution, and the necessary amount of money that can be used are transferred by CD / ATM dedicated to electronic money cards and paid. The gist of the medical cost payment system using a medical examination ticket having a function capable of being used.

  In addition, the present invention provides for a patient to pay for all expenses such as medical examination costs, examination costs, medical expenses, and medicine costs. There is a medical examination ticket, a prepaid medical examination ticket that is affiliated with a prepaid card company, or an immediate payment medical examination ticket that is affiliated with a debit card company. On the tape, IC, and memory chip, personal information such as the patient's own name, the name of each medical institution, the patient ID of each medical institution, and information on available electronic money are written on the examination ticket. Personal information and electronic money information are operated by CD / ATM dedicated to electronic money cards installed in hospitals and towns and by patients And C as well as the gist of the medical expenses payment system using the possible and the consultation ticket charge of rewriting and electronic money in the portable terminal of the L mode, and the like of the mobile phone.

  In addition, the present invention relates to an examination ticket used by a patient who has received medical care at a medical institution as a means for paying medical expenses, such as the patient's own name, each medical institution name, personal information such as the patient ID of each medical institution, and electronic information. It has a function of an electronic money card in which money information is written, and a CD / ATM terminal dedicated to the electronic money card is a medical expenses payment CD / ATM terminal used by a patient and a medical institution A terminal for a credit company that is connected to a management server of a deposit / withdrawal management management company via the Internet with a terminal having a card reading function used by a person concerned, Medical expense support using a medical examination ticket that connects a bank terminal, a prepaid card company terminal, and a debit card company terminal so that the patient's medical expenses can be settled. Have the gist of the system.

  In the present invention, an examination ticket having an electronic money card function used by a patient for payment of medical expenses at a medical institution includes a card-specific ID encrypted with a server public key, a patient-specific ID, and a patient A medical expense payment system using a medical examination ticket characterized by having a unique public key.

  In the present invention, the management server of the deposit / withdrawal management company that manages the examination ticket having the electronic money card function used by the patient to pay the medical expenses at the medical institution has the patient-specific ID as possession data, It is a medical cost payment system using an examination ticket, characterized in that a patient-specific public key, card-specific ID, password, biometric data, photo data, usage record, and balance information are retained.

  In the present invention, the examination ticket having an electronic money card function used by a patient for payment of medical expenses at a medical institution holds only data for electronic money settlement, and the patient possesses the medical institution. Medical fee payment using an examination ticket, characterized in that patient-specific ID, examination number, photo data, patient information, examination record, examination record, etc. as data are stored in the management server System.

  In the present invention, the examination ticket having an electronic money card function used by a patient for payment of medical expenses at a medical institution is a CD / ATM installed in the medical institution as a method of depositing / withdrawing the electronic money of the examination ticket. Terminal, a dedicated terminal connected to the Internet with a PC at home, a CD / ATM terminal installed in a financial institution (bank, post office, etc.) in the town, a CD installed in a convenience store, etc.・ Payment of medical expenses using a medical examination card characterized by the ability to deposit and withdraw electronic money by accessing a debit card company affiliated with an ATM terminal or a financial institution via a CD / ATM terminal. System.

  In the present invention, the examination ticket having an electronic money card function used by a patient for payment of medical expenses at a medical institution is a CD / ATM installed in the medical institution as a method of depositing / withdrawing the electronic money of the examination ticket. Terminal, a dedicated terminal connected to the Internet with a PC at home, a CD / ATM terminal installed in a financial institution (bank, post office, etc.) in the town, a CD installed in a convenience store, etc.・ Access to ATM terminals and debit card companies affiliated with financial institutions via CD / ATM terminals allows electronic money to be deposited and withdrawn, and the examination ticket can be used at multiple medical institutions. It is a medical expenses payment system using a medical examination ticket characterized by having a medical examination ticket function. .

  Also, in the present invention, a new examination ticket having an electronic money card function used by a patient for payment of medical expenses at a medical institution is issued by a medical institution where the patient himself / her and the patient are concerned, or a card company linked with the medical institution After confirming the patient himself / herself by mail etc., a credit card company, a prepaid card company, a debit card company, and a financial institution issuing a cash card issue the examination ticket based on their respective use It is a medical cost payment system.

  Further, in the present invention, when a patient suddenly goes to a medical institution and needs an examination ticket having an electronic money card function for the first time, the medical institution issues a temporary card, and the medical institution where the patient took After confirming the patient himself / herself by mail through a card company linked to a medical institution, credit card companies, prepaid card companies, debit card companies, and financial institutions that issue cash cards, etc. based on their respective use A medical expense payment system for issuing a medical examination ticket having an electronic money card function.

  In the present invention, the method of depositing electronic money of a medical examination card having an electronic money card function used by a patient for payment of medical expenses at a medical institution is electronic money charged by a patient using a home PC or mobile phone. Cash in a CD / ATM terminal installed in a financial institution (bank / post office, etc.) or a CD / ATM terminal installed in a convenience store, etc. It is a medical expenses payment system using a medical examination ticket, which is performed by depositing a medical fee.

  In the present invention, the method for withdrawing electronic money from a medical examination card having an electronic money card function used by a patient for payment of medical expenses at a medical institution confirms the balance of the electronic money through a financial institution. The medical cost payment system is characterized in that it can be used when there is a balance corresponding to the payment amount, and cannot be used when there is no balance corresponding to the payment amount.

  Furthermore, in the present invention, an authentication method of an examination ticket having an electronic money card function used by a patient at a medical institution is an ID and password for the Internet, a photograph for confirmation of the patient himself at the medical institution, a CD / ATM A medical cost payment system using an examination ticket, characterized in that a personal identification number and biometric authentication can be used in combination for confirmation of the patient himself / herself at a terminal.

  The present invention eliminates the hassle and complexity of self-management by owning a medical examination ticket for each medical institution, and eliminates the trouble of cash settlement for payment of medical expenses for each medical institution, and does not carry cash. However, it was possible to provide a medical expenses payment system using an examination ticket that can be examined, examined, and treated.

  The medical examination card used in the present invention uses an electronic money card as a means for paying medical expenses. For example, the electronic money card is a credit card for a credit company and a cash card for a bank. Embed a magnetic tape, IC and memory chip in the card, in the prepaid card in the case of a prepaid card, and in the debit card company affiliated in the debit card company system, the deposit balance of your account in the memory In addition, an amount within the predetermined limit or a necessary amount is prepared from the balance of the card, and the amount is transferred to the medical institution side using the electronic money card dedicated CD / ATM and paid. This system relates to a system that can be used. And for the payment of expenses of an institution, it was able to save for a long time of waiting at the pharmacy.

  Further, in the medical expense payment system using the examination ticket in the present invention, the patient can receive the expense payment settlement receipt of various expenses as printed matter by operating the patient terminal, and can receive the prescription as printed matter, Furthermore, the next medical appointment can also be received as a printed matter, which is very convenient because the time spent for obtaining this information can be greatly reduced.

  The best mode for carrying out the present invention is that when a patient pays all the expenses such as medical examination costs, examination costs, medical expenses, and medicine costs, the patient is charged with a credit-type medical examination ticket, a bank, and a credit company. We have an alliance cash card examination ticket, a prepaid examination ticket alliance with a prepaid card company, or an immediate payment system examination ticket alliance with a debit card company, each of which has a magnetic tape, IC and memory The chip is embedded, and in the magnetic tape, IC, and memory chip, the personal information such as the patient's own name, the name of each medical institution, the patient ID of each medical institution, and the necessary amount of money that can be used are a CD By using an electronic money card that has the function of being able to pay by moving it through ATM, Without even sometimes carry the cash, also is that building the medical expenses payment system using a medical examination card to be the most important feature that was omitted waiting for the payment of expenses.

  In addition, in the present invention, when a patient pays all expenses such as medical examination costs, examination costs, medical expenses, drug charges, etc., the patient is charged with a credit-type examination ticket in cooperation with a credit company, a cash card type in cooperation with a bank. There is a medical examination ticket, a prepaid medical examination card in cooperation with a prepaid card company, or an immediate payment medical examination card in cooperation with a debit card company, each of which has a magnetic tape, IC and memory chip embedded therein, In the tape, IC, and memory chip, personal information such as the patient's own name, the name of each medical institution, the patient ID of each medical institution, and information on electronic money that can be used are written and written on the examination ticket. Personal information and electronic money information, such as CD / ATM dedicated to electronic money cards installed in hospitals and towns, and patient operations It is preferred which enables charge of rewriting and electronic money in the portable terminal L mode or the like of the PC and the mobile phone to be.

  In the present invention, the examination ticket used as a means for paying medical expenses by a patient who has received medical care at a medical institution is personal information such as the patient's own name, the name of each medical institution, the patient ID of each medical institution, and the like. It has a function of an electronic money card in which information of electronic money is written, and a CD / ATM terminal dedicated to the electronic money card is a medical expenses payment CD / ATM terminal used by a patient and a medical institution A terminal for a credit company that connects a terminal having a card reading function used by a related party to a management server of a deposit / withdrawal management company via the Internet and settles the medical expenses with the deposit / withdrawal management company It is preferable to construct a network that allows payment of patient medical expenses by connecting a bank terminal, a prepaid card company terminal, and a debit card company terminal.

  In the present invention, an examination ticket having an electronic money card function used by a patient for payment of medical expenses at a medical institution includes a card-specific ID encrypted with a public key of the server, a patient-specific ID, and a patient It preferably has a unique public key.

  In the present invention, the management server of the deposit / withdrawal management company that manages the examination ticket having the electronic money card function used by the patient to pay the medical expenses at the medical institution has the patient-specific ID as possession data, It is preferable that a patient-specific public key, card-specific ID, password, biometric data, photo data, usage record, and balance information are retained.

  Further, in the present invention, the examination ticket having an electronic money card function used by the patient for payment of medical expenses at the medical institution has only data for electronic money settlement, and the patient's medical institution It is preferable that patient-specific ID, medical examination number, photo data, patient information, medical examination record, examination record, etc. as possessed data are retained in the management server.

  In the present invention, the examination ticket having an electronic money card function used by a patient for payment of medical expenses at a medical institution is a CD / ATM installed in the medical institution as a method of depositing / withdrawing the electronic money of the examination ticket. Terminal, a dedicated terminal connected to the Internet with a PC at home, a CD / ATM terminal installed in a financial institution (bank, post office, etc.) in the town, a CD installed in a convenience store, etc. -It is preferable that deposit / withdrawal of electronic money can be performed by accessing a debit card company affiliated with an ATM terminal or a financial institution through a CD / ATM terminal.

  In the present invention, the examination ticket having an electronic money card function used by a patient for payment of medical expenses at a medical institution is a CD / ATM installed in the medical institution as a method of depositing / withdrawing the electronic money of the examination ticket. Terminal, a dedicated terminal connected to the Internet with a PC at home, a CD / ATM terminal installed in a financial institution (bank, post office, etc.) in the town, a CD installed in a convenience store, etc.・ Access to ATM terminals and debit card companies affiliated with financial institutions via CD / ATM terminals allows electronic money to be deposited and withdrawn, and the examination ticket can be used at multiple medical institutions. It is preferable to have an examination ticket function.

  Further, in the present invention, the new issuance of a medical examination card having an electronic money card function that the patient uses for payment of medical expenses at the medical institution is linked with the medical institution where the patient and the patient are concerned and the medical institution. Credit card companies, prepaid card companies, debit card companies, and financial institutions that issue cash cards issue the above examination tickets based on their respective use. It is preferable.

  In the present invention, when a patient suddenly enters a medical institution and needs an examination ticket having an electronic money card function for the first time, the medical institution issues a temporary card without an electronic money card function, A credit card company, a prepaid card company, a debit card company, and a financial institution that issues a cash card after confirming the patient himself / herself by mail etc. through a medical institution where the patient took a later date or a card company linked to the medical institution However, it is preferable to issue a medical examination ticket having the electronic money card function based on each use.

  In the present invention, the method of depositing electronic money on a medical examination card having an electronic money card function used by a patient for payment of medical expenses at a medical institution is electronic money charged by a patient using a home PC or mobile phone. Cash in a CD / ATM terminal installed in a financial institution (bank / post office, etc.) or a CD / ATM terminal installed in a convenience store, etc. This is preferably done by depositing

  Further, in the present invention, the method for withdrawing electronic money of a medical examination card having an electronic money card function used by a patient for payment of medical expenses at a medical institution confirms the balance of the electronic money via a financial institution, It is preferable that the balance can be used when there is a balance corresponding to the settlement amount, and that the balance cannot be used when there is no balance corresponding to the settlement amount.

  Furthermore, in the present invention, an authentication method for an examination ticket having an electronic money card function used by a patient at a medical institution is an ID and password for the Internet, a photograph for identification of the patient at the medical institution, a CD / ATM It is preferable that a personal identification number and biometric authentication can be used in combination for confirmation of the patient's identity at the terminal.

  An embodiment of the present invention will be described with reference to FIGS. FIG. 1 is a block diagram showing a configuration of a medical expense payment system using a medical examination ticket for explaining an embodiment of the present invention. FIG. 2 is a flowchart showing various operations for the medical expenses payment system using the examination card according to the embodiment of the present invention and the flow of the system.

  Thus, the configuration of the embodiment of the present invention will be described with reference to FIG. The medical expense payment system using the examination ticket of the present invention is for a plurality of patient CD / ATM terminals 1a, 1b, 1c,. The terminal 2 and the CD / ATM terminal 3 for pharmacies installed in the pharmacy constitute the CD / ATM terminal H of the medical institution. It is written on the ticket. Also, 4 is a credit company terminal, 5 is a prepaid card company terminal, 6 is a debit card company terminal, 7 is a financial institution, that is, a CD / ATM terminal such as a bank or post office, and connects them. Internet INET network.

  Although not shown in FIG. 1, stores and stores inside and outside the hospital connected to the network of the Internet IN are elements that make the present invention function perfectly.

  The patient's CD / ATM terminals 1a, 1b, 1c,... Are ATMs dedicated to electronic money cards. In the medical expense payment system using the examination ticket of the present invention, the expenses at the medical institution H are various. The electronic money inside the examination ticket is used as a payment method. The electronic money examination ticket is, for example, a credit company type credit card is used as an examination ticket, and a magnetic tape, an IC, and a memory chip are embedded in the credit card. Along with information, medical records, etc., the amount within the limit determined in the contract with the credit company can be transferred, and various expenses at the medical institution H can be paid later.

  In addition, the prepaid card company card can be used as the prepaid card as the prepaid card in this case. In this case, magnetic tape, IC, and memory chip are embedded in the prepaid card, and the patient's basic information is stored in the storage device. If you pre-pay the required amount along with the medical record, you can move the amount within the pre-paid amount and pay the prepaid card company in advance so that you can pay various expenses at the medical institution H. If you keep it, you can use the examination ticket as electronic money.

  Furthermore, banking companies embed magnetic tapes, ICs, and memory chips in cash cards, and keep the balance of their accounts in the storage device together with basic patient information and medical records. This electronic money is a form in which necessary deposits are transferred from the deposit balance and various expenses at the medical institution H are paid with a medical examination ticket.

  Further, a card of a debit card company can also be used as an examination ticket in the same manner as described above. In this case, a magnetic tape, an IC, and a memory chip are embedded in the debit card, and basic patient information and examination records are embedded in the storage device. At the same time, if the prepaid card company is charged in advance with the prepaid card company so that the amount can be moved within the payment limit amount and various expenses at the medical institution H can be paid immediately, the examination ticket can be used as electronic money.

  Thus, the examination ticket used in the present invention is the electronic money of the credit company, the electronic money of the prepaid card, the electronic money of the debit card, or the cash card of the bank. Or become electronic money.

  A plurality of examination tickets, which are electronic money, are installed in the medical institution H, and the patient's own CD / ATM terminals 1a, 1b, 1c,. By reading this personal information, new patient information transmitted from the hospital-related terminal 2 is also received, and various costs such as medical expenses and examination expenses can be confirmed by the information.

  That is, the patient's CD / ATM terminals 1a, 1b, 1c,... Are read by the patient's own personal information by the patient's CD / ATM terminals 1a, 1b, 1c,.・ ・ Receipts can also be received as printed matter for payment of various expenses made by the patient.

  In addition, with the patient CD / ATM terminals 1a, 1b, 1c, etc., one day, one month, or at the time of discharge, when all medical treatments such as medical treatment, examination, surgery, hospitalization, etc. are completed in the hospital You can check the necessity of medication and receive a prescription as a printed matter.

  Further, the patient CD / ATM terminals 1a, 1b, 1c,... Can receive the patient's request or information on the next hospital visit date and time, medical subjects, etc. as printed matter.

  Thus, in order for the patient to pay various expenses to the hospital or pharmacy, the electronic money stored in the examination ticket is read and instructions for payment of various expenses such as medical expenses are given to the credit company terminal 4, the bank terminal 6, and the prepaid. What is necessary is just to transmit to each electronic money issue destination, such as the card company terminal 5, the debit card company terminal 6, or the terminal 7 of a depression organization.

  Terminal 2 for hospital personnel is a terminal used by hospital personnel. It manages and holds information on medical expenses, examinations, hospitalization, surgery costs and prescription drugs for each patient's examination. The function of transmitting the information to the terminals 1a, 1b, 1c, etc. as requested, that is, the patient-specific ID, examination number, photo data, patient information, examination record as possession data of the medical institution The test record is held, and the patient identification information and the prescription information for the patient can be transmitted to the pharmacy terminal 3.

  The medical expenses transmitted from the in-hospital patient terminals 1a, 1b, 1c,... To the credit company terminal 4, the prepaid card company terminal 5, the debit card company end machine 6, or the financial institution terminal 7, respectively. It has a function to receive payment instructions for medical expenses, bills for medical expenses, prescription drug costs, hospital identification information, electronic money card information. Various expenses in hospitals are electronic money added to the patient's medical card. Payment is made at

  The pharmacy terminal 3 is a terminal installed in a pharmacy in a hospital or a pharmacy near a hospital, receives patient identification information and prescription information transmitted from the terminal 2 for hospital personnel, and receives the prescription. It has the function of prescribing information-based drugs and delivering prescription drugs to patients.

Next, with reference to FIG. 2, the network configuration centering on the examination ticket used in the present invention will be described.
In FIG. 2, 8 is an examination ticket held by each patient, 9 is a medical institution system comprising a card reader 10 and an in-hospital information system 11, and 12 is installed in a financial institution or medical institution in the town. CD / ATM deposit / withdrawal terminal 13, a patient terminal 13 including a PC 14 installed in the patient's home and a dedicated card reader 15, 16 for the patient to use an external PC or access by mobile phone A system 17 is a server of a deposit / withdrawal management company.

  Thus, the system comprising the hospital system 11 using the examination ticket 8, the CD / ATM deposit / withdrawal terminal 12 installed in the financial institutions and medical institutions in the town, the patient terminal 13, and the external PC or mobile phone. When the terminal 16 is accessed using a password and a password, each terminal is connected to the server 17 of the deposit / withdrawal management company.

  Therefore, in the present invention, when a patient pays all expenses such as medical examination costs, examination costs, medical expenses, and medicine costs at a medical institution, the patient pays a credit-type medical examination ticket 8 in cooperation with a credit company, and a cash card in cooperation with a bank. There is a medical examination ticket 8, a prepaid medical examination card 8 in cooperation with a prepaid card company, or an immediate payment medical examination card 8 in cooperation with a debit card company, each of which has a magnetic tape, IC and memory The chip is embedded, and in the magnetic tape, IC, and memory chip, the personal information such as the patient's own name, the name of each medical institution, the patient ID of each medical institution, and the necessary amount of money that can be used are a CD It has a function that can be moved by the ATM deposit / withdrawal terminal 13 for payment.

  Further, in the present invention, when the patient pays all expenses such as medical examination costs, examination costs, medical expenses, medicine charges, etc. in the medical institution, the patient pays a credit-type medical examination ticket 8 in cooperation with a credit company, or a cash card in cooperation with a bank. There is a medical examination ticket 8, a prepaid medical examination card 8 in cooperation with a prepaid card company, or an immediate payment medical examination card 6 in cooperation with a debit card company, each of which has a magnetic tape, IC and memory. The chip is embedded, and in the magnetic tape, IC and memory chip, personal information such as the patient's own name, the name of each medical institution, the ID of the patient of each medical institution, and information on available electronic money are written. Personal information and electronic money information written on the examination ticket is a CD / AT dedicated to electronic money cards installed in hospitals and towns. Patients terminal 13 consists of a home PC operated by the depositing and dispensing terminals 13 and patients, as well as allowing a charge of rewriting and electronic money more external PC or mobile phone access to the system 16.

  Furthermore, in the present invention, the examination ticket 8 used as a means for paying medical expenses by a patient who has received medical care at a medical institution is an individual such as the patient's own name, the name of each medical institution, and the patient ID of each medical institution. A CD / ATM terminal for medical expenses is used by a patient, and has a function of an electronic money card in which information and information on electronic money are written. 13 and a terminal of the in-hospital system 11 having a card reading function used by a person concerned in a medical institution are connected to the management server 17 of the deposit / withdrawal management company via the Internet. Connect to a credit company terminal, bank terminal, prepaid card company terminal, debit card company terminal, etc. to settle the costs so that the patient's medical expenses can be settled. Medical expenses payment system using the consultation ticket which was to build a network embodying.

  In the present invention, the examination ticket 8 having an electronic money card function used by the patient for payment of medical expenses at the medical institution H is an ID unique to the card encrypted with the public key of the management server 17, an ID unique to the patient. And a public key unique to the patient.

  In the present invention, the management server 17 of the deposit / withdrawal management company that manages the examination ticket 8 having the electronic money card function used by the patient for payment of the medical expenses at the medical institution H includes the patient-specific data as possession data. ID, patient-specific public key, card-specific ID, password, biometric data, photo data, usage record, and balance information are stored.

  In addition, the present invention provides a patient-specific ID as possessed data of the medical institution H that is paid using the examination ticket 8 having an electronic money card function used by the patient for payment of medical expenses at the medical institution H. It is characterized by having a medical examination number, photo data, patient information, medical examination records, and examination records.

  In the present invention, the examination ticket 8 having an electronic money card function used by the patient for payment of medical expenses at the medical institution H is installed in the medical institution H as a method of depositing and withdrawing electronic money from the examination ticket 8. CD / ATM terminals for hospital patients 1a, 1b, 1c, etc., a dedicated patient terminal 13 connected to the Internet via a home PC, and financial institutions (banks, post offices, etc.) CD / ATM terminal 12 installed in the city, CD / ATM terminal 12 installed in convenience stores, etc., and debit card companies affiliated with financial institutions via the CD / ATM terminal The electronic money can be deposited and withdrawn.

  In the present invention, the new issuance of the examination ticket 8 having an electronic money card function used by the patient for payment of medical expenses at the medical institution H is linked with the medical institution H and the medical institution where the patient himself / her is concerned. Credit card companies, prepaid card companies, debit card companies, and financial institutions that issue cash cards can use the electronic money card function based on their respective use. It is characterized by issuing an examination ticket 8 having the same.

  Further, in the present invention, when a patient suddenly enters the medical institution H and needs a medical examination card 8 having an electronic money card function for the first time, the medical institution H attaches a temporary card without an electronic money card function. Issue credit card company, prepaid card company, debit card company and cash card after confirming the patient himself / herself by mail etc. through medical institution H where the patient took later and the card company linked with the medical institution A financial institution or the like issuing the examination ticket 8 having the electronic money card function based on each use.

  In the present invention, a new issuance of an examination ticket 8 having an electronic money card function used by a patient for payment of medical expenses at a medical institution H can be issued on the same day if the patient and the patient can be confirmed at the medical institution. In addition, the new issuance of the examination ticket 8 with the electronic money card function through the card company will issue the credit card company, prepaid card company, debit card company and cash card after confirming the patient himself / herself by mail etc. A financial institution or the like issuing the examination ticket based on each use.

  In the present invention, the method of depositing the electronic money of the examination ticket 8 having an electronic money card function used by the patient for payment of the medical expenses at the medical institution H is the PC terminal 13 dedicated to the patient at home or the external Transfer of electronic money charged by a mobile phone of PC or mobile phone access system 16 to a bank, and a CD / ATM terminal installed in a financial institution (bank, post office, etc.) in the town 12 or a CD / ATM terminal 12 installed in a convenience store or the like.

  In the present invention, the method of withdrawing the electronic money of the examination ticket 8 having an electronic money card function used by the patient for payment of medical expenses at the medical institution H is performed by the financial institution (payment / withdrawal management). It is characterized in that it can be used when there is a balance corresponding to the settlement amount, and cannot be used when there is no balance corresponding to the settlement amount.

  Furthermore, in the present invention, the authentication method of the examination ticket 8 having an electronic money card function used by the patient at the medical institution H is an ID and password for the Internet, a photograph for confirming the patient himself at the medical institution, a CD / CD It is characterized in that a personal identification number and biometric authentication can be used in combination for confirmation of the patient himself / herself at an ATM terminal.

  As described above, the present invention connects each terminal via the Internet with the latest computer technology, and the examination ticket is electronic money of a credit company, electronic money of a prepaid card, or electronic money of a debit card company. By using electronic money consisting of money cards or bank cash cards, the biggest flaw in medical institutions is to carry cash at hospital visits and hospitalizations, to pay for expenses, and at pharmacies This eliminates the need to wait for a long time, and its industrial utility value is tremendous.

It is a block diagram which shows the structure of the medical expenses payment system explaining the Example of this invention. It is a block diagram explaining the medical expenses payment system by the network structure centering on a medical examination card | curd based on the Example of this invention.

Explanation of symbols

1a, 1b, 1c ... CD / ATM terminals for patients 2 Terminals for hospital personnel 3 Terminals for pharmacies 4 Terminals for credit companies 5 Terminals for prepaid card companies 6 Terminals for debit companies 7 Terminals for financial institutions
8 Medical Examination Ticket 9 Medical Institution System 10 Card Reader 11 Hospital Information System 12 CD / ATM Terminal 13 Installed in Financial Institutions and Medical Institutions Patient Terminals 14 Patient PCs
15 Card reader 16 System accessed by PC or mobile phone 17 Deposit / withdrawal management company server INET Internet

Claims (13)

When a patient pays for all medical expenses such as medical examination fees, examination costs, medical treatment costs, and medicine costs, the patient is charged with a credit-based medical examination card in cooperation with a credit company, a cash card-type medical examination card in cooperation with a bank, and a prepaid card company. Have a prepaid medical examination ticket that is affiliated with, or an immediate payment medical examination ticket that is affiliated with a debit card company,
Each examination ticket is embedded with magnetic tape, IC and memory chip,
In the magnetic tape, IC, and memory chip, the patient's name, the name of each medical institution, personal information such as the patient ID of each medical institution, and the required amount of money can be transferred using a CD / ATM dedicated to electronic money cards. Has a function to make payments,
Medical expenses payment system using a medical examination ticket characterized by When a patient pays for all medical expenses such as medical examination costs, examination costs, medical expenses, and medicine costs, the patient must have a credit-based medical examination card in cooperation with a credit company, a cash card-type medical examination card in cooperation with a bank, and a prepaid card company Have a prepaid medical examination ticket that is affiliated with, or an immediate payment medical examination ticket that is affiliated with a debit card company,
Each examination ticket is embedded with magnetic tape, IC and memory chip,
In the magnetic tape, IC and memory chip, the patient's own name, the name of each medical institution, personal information such as the patient ID of each medical institution, and information on the available electronic money are written.
Personal information and electronic money information written on the examination ticket is rewritten by a portable terminal such as a CD / ATM dedicated to electronic money cards installed in hospitals and towns, PCs operated by patients, and L mode of mobile phones. And charging electronic money
Medical expenses payment system using a medical examination ticket characterized by An examination ticket used as a means for paying medical expenses by a patient who has received medical care at a medical institution is written with personal information such as the patient's own name, the name of each medical institution, the patient ID of each medical institution, and electronic money information. Has the function of an electronic money card,
The electronic money card dedicated CD / ATM terminal is used for depositing / withdrawing medical expenses paying CD / ATM terminals used by patients and terminals with card reading functions used by medical personnel. Connect to the management server of the management company,
A network that enables payment of patient medical expenses by connecting the deposit / withdrawal management company to the credit company terminal, bank terminal, prepaid card company terminal, and debit card company terminal for the settlement of the medical expenses. That built
Medical expenses payment system using a medical examination ticket characterized by The examination ticket having an electronic money card function used by the patient for payment of medical expenses at a medical institution includes a card-specific ID encrypted with a public key of the server, a patient-specific ID, and a patient-specific public key. Having
A medical cost payment system using the examination ticket according to any one of claims 1 to 3. In the management server of the deposit / withdrawal management company that manages the examination ticket having an electronic money card function used by the patient for payment of medical expenses at a medical institution, the patient-specific ID, the patient-specific public key, Card-specific ID, password, biometric data, photo data, usage record, balance information,
A medical payment system using the examination ticket according to any one of claims 1 to 4. An examination ticket having an electronic money card function used by the patient for payment of medical expenses at a medical institution has only data for settlement of electronic money, and is patient-specific as possessed data of the patient by the medical institution. ID, examination number, photo data, patient information, examination record, examination record, etc. are held in the management server,
A medical expense payment system using the examination ticket according to any one of claims 1 to 5. An examination ticket having an electronic money card function used by the patient for payment of medical expenses at a medical institution is a CD / ATM terminal installed in the medical institution as an electronic money deposit / withdrawal method of the examination ticket, A dedicated terminal connected to the Internet with a home PC, a CD / ATM terminal installed in a financial institution (bank, post office, etc.), a CD / ATM terminal installed in a convenience store, etc. And the ability to deposit and withdraw electronic money by accessing a debit card company affiliated with a financial institution via a CD / ATM terminal.
A medical expense payment system using the examination ticket according to any one of claims 1 to 6. An examination ticket having an electronic money card function used by the patient for payment of medical expenses at a medical institution is a CD / ATM terminal installed in the medical institution as an electronic money deposit / withdrawal method of the examination ticket, Dedicated terminals connected to the Internet on home PCs, CD / ATM terminals installed at financial institutions (banks, post offices, etc.), CD / ATM terminals installed at convenience stores, etc. In addition, access to a debit card company affiliated with a financial institution via a CD / ATM terminal allows electronic money to be deposited and withdrawn, and the examination ticket has a common examination ticket function that can be used at multiple medical institutions. Having
A medical cost payment system using the examination ticket according to any one of claims 1 to 7. New issuance of a medical examination ticket having an electronic money card function used by the patient for payment of medical expenses at a medical institution is mailed via a medical institution in which the patient himself / her and the patient are concerned, or a card company linked to the medical institution After confirming the patient, the credit card company, the prepaid card company, the debit card company and the financial institution issuing the cash card, etc., issue the examination ticket based on their respective use,
A medical cost payment system using the examination ticket according to any one of claims 1 to 8. When the patient suddenly goes to a medical institution and needs an examination ticket having an electronic money card function for the first time, the medical institution issues a temporary card and is linked to the medical institution where the patient took later or the medical institution. Credit card companies, prepaid card companies, debit card companies, and financial institutions that issue cash cards can use the electronic money card function based on their respective use. Issuing an examination ticket with
A medical expense payment system using the examination ticket according to any one of claims 1 to 9. The method of depositing electronic money of a medical examination ticket having an electronic money card function used by the patient for payment of medical expenses at a medical institution is to transfer electronic money charged by the patient with a home PC or mobile phone to a bank. In addition, the patient himself / herself deposits cash at a CD / ATM terminal installed at a financial institution (bank / post office, etc.) or a CD / ATM terminal installed at a convenience store. What happens,
A medical expense payment system using the examination ticket according to any one of claims 1 to 10. The method of withdrawing electronic money of a medical examination card having an electronic money card function used by the patient for payment of medical expenses at a medical institution confirms the balance of the electronic money through a financial institution, and the balance corresponding to the settlement amount is It can be used in some cases, and cannot be used if there is no balance remaining in the payment amount.
A medical expense payment system using the examination ticket according to any one of claims 1 to 11. The authentication method of the examination ticket having the electronic money card function used by the patient at the medical institution is an ID and password for the Internet, a photograph for the patient's identification at the medical institution, and the patient's identity at the CD / ATM terminal A combination of PIN and biometrics can be used for verification,
A medical expenses payment system using the examination ticket according to any one of claims 1 to 12.

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