JP7376745B1 - Medical expense guarantee contract conclusion support system - Google Patents

Abstract

[Challenge] Smoothly conclude a medical expense guarantee contract for hospitalization expenses, surgical expenses, etc. [Solution] A user's mobile phone, a telephone exclusively for accepting applications for medical expenses guarantee contract from the user's mobile phone using an automatic voice response device, and a telephone exclusively for accepting medical expenses guarantee contract, each having an automatic voice A voice recognition device that recognizes the voice information answered by the user immediately after asking the user a question using the answering device and converts it into Japanese text information, and a medical expense guarantee contract based on the recognition result of the voice recognition device. A medical expense guarantee contract generating computer that generates a contract, and a medical expense guarantee contract issuing computer that receives information sent via the Internet from the medical expense guarantee contract generating computer, prints it out, and issues it to the user. are connected via a telephone line network and the Internet network. Automatic voice response devices and voice recognition devices support multiple languages. It also enables communication using the hospital's computer without using voice. [Selection diagram] Figure 1

Description

The present invention provides for a system in which a user admitted to a medical institution, particularly a hospital, immediately enters into contact with a medical expense guarantee company immediately before or after receiving medical services provided by the hospital, such as hospitalization, surgery, and testing. This invention relates to a medical expense guarantee contract conclusion support system that can complete medical expense guarantee contract conclusion procedures.

For example, a person who stays in a hospital for a long period of time pays the monthly hospitalization fee and pays the entire hospitalization fee in full at the time of discharge. If the payment is delayed, the hospital will have to spend time collecting debts, which may disrupt the quality of medical services provided. In order to prevent this from happening, hospitals are increasingly requesting the establishment of a guarantee company when users seek medical services. The ``guarantor company'' here refers to a company that pays medical expenses such as hospitalization fees and surgical expenses to the hospital on behalf of the user, using a mechanism similar to a rent guarantee company for rental housing.

Patent Document 1 states that when a patient pays all expenses such as consultation fees, test fees, hospitalization fees, and surgery fees at a hospital, the patient must use a medical examination card affiliated with a credit company, a medical examination card affiliated with a bank, or a prepaid card. The patient has a medical examination card affiliated with a company, and an IC and memory chip is embedded in the medical examination card, and the patient's own personal information and the required amount of money that can be used are transferred through an ATM dedicated to electronic money cards. A medical fee payment system using a medical examination card has been disclosed, which is characterized by having a function that allows the patient to make a payment using a medical examination card.
In addition, the patient terminal used by patients receiving medical treatment at the hospital is an ATM exclusively for electronic money cards, and the patient terminal, the hospital terminal used by hospital personnel in the hospital, and the A terminal for a credit company, a bank terminal, a prepaid card company terminal that performs payment, and a terminal for a pharmacy inside the hospital or a terminal for a pharmacy outside the hospital that prescribes the patient's prescription drugs are connected via the Internet. A medical fee payment system using a medical examination card is disclosed, which is characterized in that a network is constructed using a medical examination card.
The patient terminal is an ATM terminal exclusively for electronic money cards, and the terminal is characterized in that it has a function of issuing printed receipts for payment of various expenses made by the patient. .
The patient terminal is an ATM terminal exclusively for electronic money cards, and the terminal confirms whether there is a need for medication at the time of completion of all medical procedures such as medical treatment, examination, surgery, and hospitalization at the hospital. It is characterized by having a function that allows prescriptions to be issued in printed form.
The patient terminal is an ATM terminal exclusively for electronic money cards, and the terminal has a function that can issue printed information such as the date and time of the next hospital visit, medical subjects, etc. at the patient's request or automatically. Features.
The electronic money card held by the patient is characterized in that it is equipped with a terminal so that it can be used to pay for prescription drugs at pharmacies and at hospital shops.

Patent Document 2 has at least a recording layer in which predetermined information is recorded, a reservation entry field for entering the next reservation date and time, a patient name field for entering the patient name, and available clinic or hospital names. A medical fee payment system using a card has been disclosed which is characterized by comprising a medical fee payment card and a card reader/writer that reads information recorded on the recording layer and rewrites the information as necessary.
The predetermined information is a clinic or hospital code, a patient code, an issue date, and a card number, and the card is used as a prepaid card.
The predetermined information is a clinic or hospital code, a patient code, an issue date, an expiration date, and a card number, and is used as a deferred payment card.
The medical fee payment card is characterized in that it is an information recording card such as a magnetic card, an IC card, or an optical card.
A medical fee payment card having at least a recording layer in which predetermined information is recorded, a reservation entry field for entering the next reservation date and time, a patient name field for entering the patient name, and a usable clinic name or hospital name; A card reader for reading information recorded in the recording layer, and a fee payment device connected to the card reader and configured to register the usage amount of the medical fee payment card and update the balance of the usage amount. Features.
The predetermined information is a clinic or hospital code, a patient code, an issue date, and a card number, and the card is used as a prepaid card.
The predetermined information is a clinic or hospital code, a patient code, an issue date, an expiration date, and a card number, and is used as a deferred payment card.
The medical fee payment card is characterized in that it is an information recording card such as a magnetic card, an IC card, or an optical card.

Patent Document 3 discloses an electronic money system that includes an electronic money card that stores electronic money related to monetary value and a terminal for processing the electronic money card, and that trades electronic money between the electronic money cards. hand,
Each of the electronic money cards includes a write-once storage unit for storing transaction history information indicating a history of electronic money transactions;
The terminal includes a means for instructing the electronic money card of the transaction source, the electronic money card of the transaction partner, and a transaction amount, and a write-once storage unit of the electronic money card of the transaction source and the electronic money card of the transaction partner. means for adding transaction history information including the details of the current transaction and physical information of the operator;
An electronic money system is disclosed.

Patent Document 4 describes a cashless system that processes payments for various services using electronic money, and includes an IC card that stores the electronic money information;
a management data server that manages the electronic money information and payment processing for various services;
a server terminal connected to the management data server;
an IC card issuing machine that issues the IC card;
A cashless system has been disclosed that is characterized in that it includes at least a handy terminal that performs various processes including payment, balance confirmation, and history inquiry when using the electronic money.
The handheld terminal is characterized in that charge (deposit) processing is performed.
When a new IC card is issued, a predetermined amount is charged as the electronic money, and if the charged amount is greater than or equal to the required amount for the various services that you are trying to use, you can use the service, and if the required amount is insufficient. This is a prepaid type of electronic money that allows you to use various services by charging more than the insufficient amount, and when you collect the IC card, you can receive a refund of the remaining amount through the settlement process. It is characterized by using
When issuing a new IC card, the user's ID (user identification) information is recorded, and each time a service is used thereafter, related information including the electronic money payment amount for the service and the user's ID information is recorded. is recorded on the IC card and the management data server, and when the IC card is collected, the total amount used in the electronic money is paid and the settlement process is performed, using post-pay electronic money. It is characterized by
The handy terminal is a small and portable communication terminal that can be taken out and used in a place where various services are provided or in the vicinity where communication is possible, and the management data server is connected to a LAN (Local Area Network). ) system, and by transmitting and receiving information related to the use of various services, the user of the service can charge, settle, refund, check the balance, and inquire about the history of the electronic money at the location or in the vicinity where communication is possible. It is characterized by being able to perform various types of processing, including:
The handy terminal is characterized in that it has a function of newly issuing (with deposit) and collecting (deposit refund) the IC card.
The IC card is characterized in that it is a contactless IC card.

Patent Document 5 discloses a means for receiving input insurance contract information;
a means for receiving inquiries regarding the advertised insurance;
The consideration for the accepted insurance contract or insurance advertisement shall be received by the person who handles the Insurance Information Device, the person who processes the Insurance Information, the person who concludes, intermediaries, or mediates the insurance contract, or the person who acts as an agent for the insurance contract. , the means to make payments to any one or more of the person who arranged the insurance, the person who advertised the insurance, or the insurance company;
An insurance information processing device is disclosed that includes means for changing the distribution of the consideration paid depending on whether the insurance is contracted through an agent or not.

Japanese Patent Application Publication No. 2006-119790 Japanese Patent Application Publication No. 01-031267 Japanese Patent Application Publication No. 10-154193 Japanese Patent Application Publication No. 2011-013740 Japanese Patent Application Publication No. 2002-073991

Settlement of medical expenses using credit cards, debit cards, electronic money, etc. is effective for relatively small payments. However, in the case of large-ticket payments such as hospitalization fees, surgery fees, and test fees, it is thought that this is often not possible due to the upper limit on credit cards, debit cards, electronic money, etc.
Therefore, when a patient is hospitalized, the hospital requests the patient to establish a guarantee company that will pay the hospitalization fee and other expenses in advance on the patient's behalf. If a guarantee company is set up, the guarantee company will pay the costs to the hospital without delay and then request reimbursement from the patient.
By the way, if you are hospitalized due to an injury, for example, you may not be able to sign because you cannot use your hands, and you may not be able to complete the procedures for a medical expense guarantee contract.
Additionally, in cases where a foreigner is hospitalized, it may not be possible to conclude a contract in Japanese.

The inventor of the present invention believed that there is a need for a computer system that supports conclusion of medical expense guarantee contracts.
The present invention was made in view of these circumstances, and in order to deal with the conventional problems, it is possible to guarantee medical expenses even for foreigners who cannot use their hands or who cannot speak Japanese well. The aim is to provide a computer system that facilitates the conclusion of contracts.

As a result of intensive research in view of the above problem to be solved, the present inventor came up with the idea that it is possible to create a contract by combining an application by telephone, an automatic voice response device, and a voice recognition device. did.
That is, the present invention provides a medical expense guarantee contract conclusion support system by combining an automatic voice response device and a voice recognition device.
Configuring a system for concluding a medical expense guarantee contract using a user's mobile terminal without using a telephone, or a system for concluding a medical expense guarantee contract using a medical expense guarantee entrustment reception computer installed at a medical institution. is also possible.

The medical expense guarantee contract conclusion support system of the present invention includes:
A user mobile phone used by the user,
a telephone dedicated to accepting medical expense guarantee contracts of a medical expense guarantee company that accepts applications for medical expense guarantee contracts from the user's mobile phone using an automatic voice response device;
a telephone dedicated to accepting medical expense guarantee contracts of a medical expense guarantee company that accepts applications for medical expense guarantee contracts from the user's mobile phone;
a medical expense guarantee contract generation computer of a medical expense guarantee company that generates a medical expense guarantee contract by embedding the recognition result of the voice recognition device in a standard medical expense guarantee contract template;
a medical expense guarantee contract issuing computer installed at a medical institution that receives information sent via the Internet from the medical expense guarantee contract generating computer, prints it out, and issues it to the user;
a medical billing computer installed at the medical institution, through which the medical institution bills the medical expense guarantee company for medical expenses as compensation for the medical treatment received by the user at the medical institution;
The medical billing computer pays the amount invoiced to the medical insurance company to the medical institution, and collects the amount from the user by requesting reimbursement. A medical expense guarantee contract conclusion support system connected via a network,
The telephone dedicated to accepting medical expense guarantee contracts is
an automatic voice response device that automatically responds with voice to the other party on the call;
a voice recognition device that recognizes voice information answered by the user immediately after asking the user a question using the automatic voice response device, and converts it into Japanese character information;
a voice recording device that records voice exchanges between the user's mobile phone and the medical expense guarantee contract acceptance telephone and converts it into a format that can be saved on a computer;
a telephone device for making a call or sending a text message from the telephone exclusively for accepting medical expense guarantee contracts to the user's mobile telephone;
The medical expense guarantee contract generation computer includes:
a template storage device that stores a template of a standard medical expense guarantee contract;
contract generation for generating a contract by embedding Japanese character information of the recognition result recognized by the voice recognition device of the medical expense guarantee contract acceptance telephone into the contract template stored in the template storage device; a device;
a contract transmission device that transmits contract information generated by the contract generation device to the medical expense guarantee contract issuance computer;
a contract storage device that stores the contract generated by the contract generation device;
has
The payment and collection computer includes:
a payment processing device that executes payment of medical expenses to the medical institution for the user who is a party to the medical expense guarantee contract in response to a request from the medical expense billing computer;
a billing device for a user that requests the user to pay to the medical expense guarantee company;
a deposit management device that manages deposits into the bank account of the medical expense guarantee company;
a reminder device that prompts the user if the payment from the user to the medical expense guarantee company has not been made by the date specified in the medical expense guarantee contract;
The automatic voice response device and the voice recognition device of the telephone exclusively for accepting medical expense guarantee contracts are characterized in that they are both compatible with a plurality of languages.
As a result, it will be possible to conclude a medical expenses guarantee contract even if you are a foreigner and have difficulty in concluding a contract in Japanese, even if you are unable to write due to handicap.

The medical expense guarantee contract conclusion support system of the present invention includes:
moreover,
displaying an information-embedded image on the screen or outside of the housing of the medical expense guarantee contract issuing computer;
When the user reads the information-embedded image using the user mobile phone, the telephone number of the medical expense guarantee contract reception phone is imported into the user mobile phone, making it possible to make a call. It is characterized by
This makes it easier for users to make phone calls.

In the medical expense guarantee contract conclusion support system of the present invention,
moreover,
The medical expense guarantee contract generation computer includes:
a contract term management device that manages a contract term of a contract stored by the contract storage device;
Making a call to the user's mobile phone using a calling device of the phone dedicated to accepting medical expense guarantee contracts before the contract period managed by the contract period management device ends with respect to the user; or a contract renewal device that urges the user to renew the contract by sending a short mail,
The contract renewal device, when the calling device of the medical expense guarantee contract reception telephone makes a call to the user's mobile phone or sends a short mail,
The user responds to the telephone to prompt the user to renew the contract, and the user responds to the question on the automatic voice response device of the telephone exclusively for accepting medical expense guarantee contracts; It is characterized by realizing contract renewal.
This can prevent forgetting to renew the contract.

In the medical expense guarantee contract conclusion support system of the present invention,
moreover,
The template storage device also includes a template for when a staff member of the medical institution or a family member of the user signs a proxy contract as the user's agent,
The automatic voice response device also supports automatic voice response in case of agent contract,
It is characterized by the possibility of agent contracts.
This makes it possible to conclude a medical expense guarantee contract even if the user, the patient, is unable to speak properly.

In the medical expense guarantee contract conclusion support system of the present invention,
moreover,
The medical expense guarantee contract generation computer includes:
further comprising an unpaid information management device that manages information regarding whether or not the user, who is a contract party to the contract stored by the contract storage device, has outstanding payments to the medical expense guarantee company;
The present invention is characterized in that when a contract is concluded or a contract is renewed, the unpaid information management device is referred to, and if the user has unpaid money to the medical expense guarantee company, the contract or the contract is not renewed.
This makes it possible to prevent the user's debt to the medical expense guarantee company from increasing indefinitely.

According to the present invention, it is possible to conclude a medical expense guarantee contract even if the person is handicapped and cannot write, or even if the person is a foreigner and has difficulty concluding a contract in Japanese.

1 is a diagram showing an overview of a medical expense guarantee contract conclusion support system according to an embodiment of the present invention. FIG. 2 is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the embodiment of the present invention functions when concluding a contract. FIG. 2 is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the embodiment of the present invention functions when requesting, paying, and reminding medical expenses. FIG. 2 is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the embodiment of the present invention functions during contract renewal procedures. It is a diagram showing an outline of a medical expense guarantee contract conclusion support system according to a second embodiment of the present invention. It is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the second embodiment of the present invention functions at the time of contract conclusion. FIG. 3 is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the second embodiment of the present invention functions during contract renewal procedures.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the best mode for implementing the system of the present invention will be described in detail with reference to the accompanying drawings. In these figures, parts given the same reference numerals represent the same parts, and the basic configuration and operation are the same. In this specification, the term 〇〇 device refers to the state in which the CPU (Central Processing Unit) of a computer reads and executes a necessary computer program.

FIG. 1 is a diagram showing an overview of a medical expense guarantee contract conclusion support system according to an embodiment of the present invention.
The user mobile phone 10 is a guarantee that guarantees that a patient who is a user of the system according to the present invention and is going to be admitted to a hospital will pay medical expenses such as hospitalization fees, surgery fees, treatment fees, and test fees to the hospital. This telephone is used to contact the company to conclude a contract, to renew the contract, and to contact the company when the user is unable to pay money to the medical expense guarantee company in time according to the contract deadline. General mobile phones can be used. It is thought that smartphones are often used these days.
The user can embed information into an information embedded image 41 written on the screen of the display device of the medical expense guarantee contract issuance computer 40, the outside of the casing of the medical expense guarantee contract issuance computer 40, the outside of the display device, etc., which will be described later. Based on the received information, the user learns the telephone number of the telephone 20 exclusively for accepting medical expense guarantee contracts, and calls the telephone 20 exclusively for accepting medical expense guarantee contracts via the telephone line network 1. The telephone line network 1 includes a so-called PSTN.

The medical expense guarantee contract reception telephone 20 shown in FIG. are doing.
When a call is received from the user's mobile phone 10 to the medical expense guarantee contract reception telephone 20 via the telephone line 1, the automatic voice response device 21 receives the call and sends a synthesized voice or pre-recorded voice to the other party. This is a device that responds and asks questions using the voice of the person who asked the question.
The voice recognition device 22 recognizes the voice emitted from the user's mobile phone 10, especially the voice information emitted from the user's mobile phone 10 at the timing when the automatic voice response device 21 issues a question, and converts it into meaningful language. It is a device that does It is desirable that the voice recognition device is capable of supporting multiple languages, assuming that the user who makes a call using the user's mobile phone 10 is not only a Japanese person but also a foreigner.
The voice recording device 23 is a device that records voice exchanges between the user's mobile phone 10 and the medical expense guarantee contract acceptance telephone 20 and converts the recorded voice into a format that can be saved on a computer.
The telephone call device 24 is a device that makes a call from the telephone 20 dedicated to accepting medical expense guarantee contracts to the user's mobile phone 10 . If you receive a call from a user but the call is disconnected during reception, if payment from the user to the medical expense guarantee company is delayed after the contract is concluded, or if the contract needs to be renewed. , this call device 24 functions to make a call to the user's mobile phone 10 by the dunning device 54 of the payment and collection computer 50 or the contract renewal device 34 of the medical expense guarantee contract generation computer 30, which will be described later. . When the user answers the phone, the automatic voice response device 21, voice recognition device 22, and voice recording device 23 operate to obtain information on the scheduled payment date or execute a contract renewal procedure. Here, the calling device may have the function of not only making a call but also sending a short mail using a telephone number to the user's mobile phone 10.
Here, the medical expense guarantee contract reception telephone 20 and the medical expense guarantee contract generation computer 30 are connected by, for example, a cable and work together. They may be configured to cooperate via the Internet network 2.
The medical expense guarantee contract generation computer 30 and the payment and collection computer 50 are shown in FIG. 1 as being configured to cooperate via the Internet network 2. They may be connected by cables and work together.

The medical expense guarantee contract generation computer 30 in FIG. 1 is configured as a server computer.
The medical expense guarantee contract generation computer 30 includes a contract period management device 31 , an unpaid information management device 32 , a contract storage device 33 , a contract renewal device 34 , a template storage device 35 , a contract generation device 36 , and a contract transmission device 37 have.
The contract period management device 31 is a device that manages the contract periods of contracts stored by a contract storage device 33, which will be described later, and manages those that need to be updated in the order of their dates.
The unpaid information management device 32 is a device that manages information regarding whether or not the contractor, that is, the user, has not paid any amount of money that should be paid to the medical expense guarantee company even after the due date has passed. .
The contract storage device 33 is a device that stores the contract generated by the contract generation device 36.
The contract renewal device 34 urges the user to execute the renewal procedure for a medical expense guarantee contract that is about to expire and needs to be renewed, and causes the contract storage device 33 to store the contract once the renewal procedure has been completed. It is a device.
The template storage device 35 is a device that stores templates of standard medical expense guarantee contracts. The standard medical expense guarantee contract includes not only cases where the contract is made by the user himself/herself, but also templates where the contract is made by hospital staff or the user's family.
The contract generation device 36 is a device that embeds (incorporates) what is recognized by the voice recognition device 22 and converted into language (written language) into the template stored in the template storage device 35 to complete it as a contract. .
The contract transmission device 37 is a device that transmits the contract completed by the contract generation device 36 to a medical expense guarantee contract issuing computer 40, which is a computer installed at the hospital, via the Internet network 2. It is.
These devices operate in conjunction with various database devices because they need to extract and use various types of necessary information. Although it is possible to name and describe each database device, in order to avoid complexity, listing them one by one will be omitted. A database device is a device in which each piece of data is stored so that other data can be referenced.

The payment and collection computer 50 depicted in FIG. 1 is a computer installed at the medical expense guarantee company, and the medical expense billing computer 60 installed at the hospital concludes the medical expense guarantee contract according to the present invention. This is a computer in which the medical expense guarantee company that operates the support system pays the hospital the amount billed to the medical expense guarantee company that operates the support system, and collects the amount by requesting reimbursement from the user. The payment and collection computer 50 has a payment processing device 51, a user billing device 52, a deposit management device 53, and a dunning device 54.
The medical expense guarantee contract sending computer 40 and the medical expense billing computer 60 are computers installed on the hospital side. The medical expense guarantee contract sending computer 40 receives the medical expense guarantee contract generated by the contract generating device 36 of the medical expense guarantee contract generating computer 30 via the Internet network 2, and sends the medical expense guarantee contract (if necessary). ) Print it out on paper and hand it to the user. In other words, it is a computer that executes the final stage of the medical expense guarantee contract conclusion process. On the other hand, as described above, the first stage of the medical expense guarantee contract conclusion process begins when the user calls the medical expense guarantee contract acceptance telephone 20 using the user's mobile phone 10. At that time, the user needs to know the telephone number of the telephone 20 dedicated to accepting medical expense guarantee contracts. By printing an information embedded image 41 in which the information of the telephone number is embedded in a pamphlet or the like installed at the hospital and scanning it with a camera installed in the user's mobile phone 10, the user can make a call. It is possible to do so. Here, the information-embedded image is, for example, something called a two-dimensional barcode or QR code (registered trademark). It is also possible to display the information embedded image 41 on the display screen of the medical expense guarantee contract issuing computer 40. When the system according to the present invention functions optimally, the medical expense guarantee contract issuance computer 40 receives the signed contract after calling the medical expense guarantee contract reception telephone 20 using the user's mobile phone 10. As a result of experiments conducted by the inventor of the present invention, it was found that it is possible to print out the image in about 3 minutes.

The payment and collection computer 50 functions after the medical expense guarantee contract conclusion support system according to the present invention concludes the contract, and the hospital requests the medical expense guarantee company for the user's medical expenses based on the contract. Then, the guarantee contract company makes the payment to the hospital, and the medical expense guarantee company collects the money by requesting reimbursement from the user.
This is a device in which a hospital where a user is hospitalized and provides medical treatment bills the payment and collection computer 50 for the cost via the Internet network 2 (issues a bill and sends it electronically). The billing method here is to send electronic billing data as an email attachment, or to display the screen of the payment and collection computer 50 on the monitor screen of the medical billing computer 60 using cloud computing technology. There is a way to send it by writing on the screen. In the case of cloud computing, billing information can be handled directly by the payment and collection computer 50. Payment and collection computer 50 In the case of sending the email as an attachment, the payment and collection computer 50 analyzes the received email, extracts billing information, and processes it.
The payment processing device 51 is a device that executes a process in which the medical expense guarantee company transfers the money requested by the medical billing computer 60 to the bank account of the hospital. Payment processing is executed in cooperation with the bank's application program, which is not shown in FIG.

The user billing device 52 is a device that requests the user to reimburse the money paid to the hospital by the medical expense guarantee company. There are several possible ways to notify the user of the billing amount.
First, the medical billing computer 60, which is a computer installed on the hospital side, sends a paper to the user, who is a hospitalized patient, at the same time as billing the payment and collection computer 50 for medical expenses. The method is to print it out and tell them the amount charged.
Second, the user billing device 52 of the payment and collection computer 50 calls the automatic voice response device 21 of the telephone 20 exclusively for receiving medical expense guarantee contracts via the Internet network 2 and the medical expense guarantee contract generating computer 30. A voice for notifying the billed amount is synthesized using the functions, and a call is made to the user's mobile phone 10 using the telephone calling device 24 to notify the billed amount. At this time, if the user is unable to receive the call, it is also possible to leave a message on the answering machine so that the user can play it back and listen to it later.
Thirdly, if the telephone call device 24 of the telephone 20 dedicated to accepting medical expense guarantee contracts has a function that allows the sending of short mail using a telephone number, the billing device 52 to the user will bill the user. It is also possible to create a message conveying the amount and send it to the user's mobile phone 10 via the telephone call device 24.
We believe it is desirable to use all three methods to ensure complete security, or to use two of the three methods. Since inpatients are likely to be focused on restoring their health, families and hospital staff should be given appropriate consideration when deciding to notify them of the amount they will be billed.

The deposit management device 53 is a device that manages whether or not the user has deposited money into the bank account specified by the medical expense guarantee company by the due date for payment to the medical expense guarantee company based on the medical expense guarantee contract. be. In cooperation with a bank application program (not shown), the transaction history of the bank account of the medical expense guarantee company is accessed and deposit management processing is executed.
The dunning device 54 is a device that executes a dunning process to the user when the payment from the user is not received by the due date. There are three possible methods for the user billing device 51 to notify the user of the billing amount.
First, the medical billing computer 60, which is a computer installed on the hospital side, receives a notification from the reminder device 54 and prints out a paper to remind the user, who is a hospitalized patient. It is a way of communicating.
Second, the dunning device 54 of the payment and collection computer 50 uses the function of the automatic voice response device 21 of the telephone 20 dedicated to accepting medical expense guarantee contracts via the Internet network 2 and the medical expense guarantee contract generating computer 30. A voice notifying the user of the dunning is synthesized, and a call is made to the user's mobile phone 10 using the telephone calling device 24 to notify the user of the dunning. At this time, if the user is unable to receive the call, it is also possible to leave a message on the answering machine so that the user can play it back and listen to it later.
Thirdly, if the calling device 24 of the telephone 20 dedicated to accepting medical expense guarantee contracts has a function that allows sending short mail using a telephone number, the reminder device 54 notifies the user of a reminder. It is also possible to create a message to convey and send it to the user's mobile phone 10 via the telephone call device 24.
We believe it is desirable to use all three methods to ensure complete security, or to use two of the three methods. Since inpatients are likely to be focused on regaining their health, appropriate consideration should be given to family members and hospital staff in choosing the method of reminder notification.

FIG. 2 is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the embodiment of the present invention functions when concluding a contract.
An information embedded image 41 (for example, a QR code (registered trademark)) is displayed on the display screen of a medical expense guarantee contract issuing computer 40 installed at the hospital (or on the outside of the computer's housing, or on printed matter such as a pamphlet). or printed. This information-embedded image includes at least information on a telephone number for calling the telephone 20 dedicated to accepting medical expense guarantee contracts (desirably, the medical expense guarantee contract generation computer 30 also sends information to the medical expense guarantee contract issuing computer 40). (information necessary to send) is embedded.
A user who wishes to receive the services of a medical guarantee contract company using the system according to the present invention uses the user's mobile phone 10 to collect the above-mentioned information using its built-in camera near the medical expense guarantee contract issuing computer 40. An embedded image 41 is photographed. The user mobile phone 10 is provided with a function to analyze the image and obtain embedded information. Using this function, the image is analyzed and the phone number is obtained. Then, the telephone number is displayed on the display screen of the user's mobile phone 10, and the user becomes ready to make a call. The user confirms this and taps the display to make a call to the telephone 20 dedicated to accepting medical expense guarantee contracts.
The medical expense guarantee contract reception telephone 20 receives a call from a user, answers using an automatic voice response device, obtains an answer from the user through an interactive exchange, records the voice, and then uses the telephone. It recognizes the person's voice and sends the recognition result to the contract generation device 36. Here, as mentioned above, the languages used by the user correspond to a plurality of languages. Questions to ask the user during interactive interactions include ``Are you the principal or your agent?'' ``Do I need to notify you in advance?''``What's your name?''``What's your address?'' ``Telephone number'' What is the number?'', ``Do you agree to the terms and conditions necessary to conclude the contract?'', etc.
When the medical expense guarantee contract generation device 36 obtains the recognition result, it obtains a contract template from the template storage device 35 and creates a contract by inserting the speech recognition results into the blank parts (fill-in-the-blank parts) of the template. generate a book. The first part of the information obtained by voice recognition includes information on whether the person is the principal or the agent, so a contract template is selected based on that information.
When the contract generation work is completed, the contract is stored and the contents of the contract are sent to the medical expense guarantee contract issuance computer 40. When the medical expense guarantee contract issuance computer 40 receives the contract information, it prints out the contract on paper. It takes about 3 minutes from the time a user completes the application process over the phone until they receive a printout of the contract. When the user waits near the medical expense guarantee contract issuance computer 40, he or she can receive the printed contract.

FIG. 3 is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the embodiment of the present invention functions when billing, paying, and reminding medical expenses.
The medical billing computer 60 is a computer installed in a department that performs accounting operations at a hospital. Periodically (for example, once a month), the medical billing computer 60 calculates the medical expenses (hospitalization expenses, surgical expenses, treatment expenses, examination expenses, etc.) of the user and calculates the billed amount. Billing information is sent to the payment and collection computer 50, which is a computer on the guarantee company side, to make a bill. At this time, it is desirable to notify the hospitalized user of this fact by handing him/her a paper with the amount printed out.
When the payment and collection computer 50 receives the billing information, it queries the medical expense guarantee contract generation computer 30 to confirm the validity of the contract. Once the medical expense guarantee contract generation computer 30 confirms the validity of the contract, the payment and collection computer 50 makes the payment and notifies the medical billing computer 60 of the payment official. Here, payment is made by online bank transfer. This process is completed by cooperation with a bank application program (not shown).
When the payment to the hospital is completed, the payment and collection computer 50 then creates billing information for the user and sends the information to the guarantee company's telephone, that is, the telephone 20 dedicated to accepting medical expense guarantee contracts.
The telephone 20 dedicated to accepting medical expense guarantee contracts preferably also has a function of sending e-mail using a telephone number, and sends billing information to the user to the user's mobile phone by e-mail using the telephone number.
Furthermore, the medical expense guarantee contract reception telephone 20 converts the billing information into synthetic voice, calls the user's mobile phone 10 using the telephone call device 24, and then uses the automatic voice response device 21 to make a call. Communicate billing information to users.
The user may be notified of the billed amount by the hospital, may be notified by email using their phone number, or may be notified by voice call, so it is not guaranteed that the amount will be paid by the due date. It seems likely that the money will be transferred to the company. Even if the user fails to receive notification using the three methods mentioned above, the user knows the details of the contract with the guarantee company, so when the deadline approaches, the user can inquire about the billed amount from the hospital and receive the amount. It is also possible to transfer the amount to the guarantee company.
Payment and collection computer 50 confirms deposits online using a bank application program or the like. If the payment is not received by the date specified in the contract, reminder information is created for the user and sent to the guarantee company's telephone (telephone 20 dedicated to accepting medical expense guarantee contracts).
If the telephone 20 exclusively for accepting medical expense guarantee contracts has a function of sending an e-mail using a telephone number, it sends the e-mail to the user. Furthermore, the billing information is converted into synthetic voice, and a telephone call is made to the user's mobile phone 10 using the telephone call device 24, and when the user answers the call, a reminder is notified by telephone. At this time, even if the user does not answer the phone, it is possible to notify the user by leaving an answering machine message.
When the payment and collection computer 50 confirms the payment, it stores the confirmation. If the payment cannot be confirmed, the unpaid information management device 32 of the medical guarantee contract generation computer 30 is notified.

FIG. 4 is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the embodiment of the present invention functions during contract renewal procedures.
For example, assume that a medical expense guarantee contract has a contract period of three months, and the contract renewal procedure is started on a predetermined day of the month in which three months have elapsed since the conclusion of the contract. The medical expense guarantee contract generation computer 30 periodically (eg, once a month on a predetermined day) creates an updated list of guarantee contracts. When creating this updated list, the unpaid information management device 32 is referred to from among the guarantee contracts that are valid at that time, and contracts for which the user has outstanding payments to the guarantee company are excluded. .
Based on the update list created in this way, update procedure information for each user is created. Then, it is sent to the guarantee company's telephone (telephone 20 dedicated to accepting medical expense guarantee contracts).
The medical expense guarantee contract reception dedicated telephone 20 preferably sends a message regarding the renewal procedure to the user using an email using the telephone number. Furthermore, the update procedure information is converted into voice information, and a call is made to the user's mobile phone 10 using the telephone call device 24. When the user answers the phone, the medical expense guarantee contract acceptance telephone 20 talks to the user using an automatic voice response to ask about the user's intention to renew. Through voice recording and voice recognition, the medical expense guarantee contract acceptance telephone 20 sends the recognition results to the contract generation device 36 of the medical expense guarantee contract generation computer 30.
The medical expense guarantee contract generation computer 30 obtains the recognition result and obtains a template of the renewal contract. Then, based on the voice recognition results, the user's intention is confirmed, a renewal contract is created, and it is stored. Then, the renewal contract is sent to the medical expense guarantee contract issuing computer 40. When the medical expense guarantee contract issuance computer 40 receives the renewal contract in electronic form, it prints it out on paper.
The printed renewal contract is handed to the hospitalized user by hospital staff.

A second embodiment (an embodiment that does not use a telephone network or voice recognition) will be described below with reference to FIGS. 5, 6, and 7.
FIG. 5 is a diagram showing an overview of a medical expense guarantee contract conclusion support system according to the second embodiment of the present invention.
The first difference between FIG. 5 and FIG. 1 is that a telephone network is not used. Second, don't use a telephone. Thirdly, the medical expense guarantee entrustment reception computer 70 is provided as a computer installed in a medical institution. Fourthly, the subscriber status confirmation computer 80 is provided as a computer installed in a medical institution.
Note that the user mobile terminal 110 is a smartphone or a tablet computer, and is considered to be connected to the Internet network 2 via a mobile phone network, but the mobile phone network is not drawn in FIG. 5 to avoid complexity.
The medical expense guarantee entrustment reception computer 70 is a computer installed in a medical institution (hospital) when the medical institution (hospital) is entrusted with accepting medical expense guarantee contracts. The user can not only connect directly to the medical expense guarantee contract generation computer 30 using the user mobile terminal 110 and have the contract accepted, but also use the medical insurance entrustment reception computer 70, which is a computer installed at a medical institution, to enter into a contract. can apply.
The medical expense guarantee entrustment reception computer 70 includes a new reception device 71 for accepting new contracts, a renewal reception device 72 for accepting renewal contracts, and a payment information input device 73 for inputting payment information.
The subscriber status confirmation computer 80 is a computer for checking whether the user has already concluded a medical expense guarantee contract. Medical institution staff can view subscriber status when they need to investigate to prevent double billing or double billing. This is useful in cases where the user does not remember well and cannot understand the information even if asked, or when the user is unconscious and unable to ask the person. It can be made viewable not only by the staff of the medical institution but also by the user's family or representative.

≪New reception≫
FIG. 6 is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the second embodiment of the present invention functions when concluding a contract.
In the first embodiment, the user's mobile phone was used and the reception was only done through a telephone line (voice recognition, etc.), whereas the reception was done using the user's mobile phone (smartphone, tablet computer) using the Internet line. It provides a mechanism for
The user accesses the dedicated WEB screen by reading the information-embedded figure dedicated to reception on the user's mobile terminal or by directly inputting the URL information.
Enter personal information on the screen and upload the ID taken with the camera.
In addition, registration is performed after agreeing to the terms and conditions, explanation of important matters, and handling of personal information.
Next, select a payment method to pay the guarantee fee, register your credit card number, etc., and complete the payment.
Along with the payment completion notification, the personal information and ID information entered into the medical guarantee entrustment reception computer will be imported. Input information into the contract template and generate the contract.
The generated contract is stored in the reception computer, and the generated contract data is imported into the medical guarantee contract issuing computer, allowing the medical institution to print out the contract.
Subscriber information can be viewed at any time at medical institutions using the subscriber information confirmation computer. Medical institutions can be viewed not only by the staff of the medical institution, but also by the user's family or representative.

≪Update reception≫
FIG. 7 is a sequence diagram showing how the medical expense guarantee contract conclusion support system according to the second embodiment of the present invention functions during contract renewal procedures.
If the subscriber is forced to stay in the hospital for a long period of time or is readmitted to the hospital after signing the contract, and if the period of hospitalization exceeds the agreed guarantee period, the subscriber information confirmation computer will notify the subscriber in advance of the renewal of the guarantee.
When the user receives an update notice on their device and performs the update procedure on their own device, their personal information, ID information, payment information, etc. will be captured in the same way as when accepting new applications, and the contract will be signed after the contract is generated. A book will be published.

Although the system of the present invention has been described above with reference to specific embodiments, the present invention is not limited to these. Those skilled in the art can make various changes and improvements to the configuration and functions of each server in each of the embodiments described above without departing from the gist of the present invention.

As shown in FIG. 1, the system of the present invention is realized by an OS, application software, database, network system, etc. built on hardware resources including a computer's CPU, memory, auxiliary storage device, display, input device, etc. Since the information processing of the suspension of use measures for the protection of tenants is concretely realized using the above hardware resources, it falls under the technical idea that utilizes the laws of nature. It can be used in the guarantee contract industry, including medical expense guarantee contracts.

1 Telephone line network 2 Internet network 10 User mobile phone 20 Telephone dedicated to accepting medical expense guarantee contracts 21 Automatic voice response device 22 Voice recognition device 23 Voice recording device 24 Calling device 30 Medical expense guarantee contract generation computer 31 Contract period management device 32 Unpaid information management device 33 Contract storage device 34 Contract update device 35 Model storage device 36 Contract generation device 37 Contract transmission device 40 Medical expense guarantee contract issuing computer 41 Information embedded image 50 Payment and collection computer 51 Payment processing device 52 User billing device 53 Payment management device 54 Dunning device 60 Medical expense billing computer 70 Medical expense guarantee entrustment reception computer 71 New reception device 72 Update reception device 73 Settlement information input device 80 Subscriber status confirmation computer 110 User mobile terminal

Claims (5)

A user mobile phone used by the user,
a telephone dedicated to accepting medical expense guarantee contracts of a medical expense guarantee company that accepts applications for medical expense guarantee contracts from the user's mobile phone;
A medical expense guarantee contract of a medical expense guarantee company that generates a contract document of a medical expense guarantee contract by embedding the recognition result of the voice recognition device of the telephone dedicated to accepting medical expense guarantee contracts into a standard medical expense guarantee contract template. a book generation computer;
a medical expense guarantee contract issuing computer installed at a medical institution that receives information sent via the Internet from the medical expense guarantee contract generating computer, prints it out, and issues it to the user;
a medical billing computer installed at a medical institution, through which the hospital bills the medical expense guarantee company for medical expenses that are compensation for medical treatment received by the user at the hospital;
The payment and collection computer, in which the medical billing computer pays the medical institution the amount billed to the medical expense guarantee company and collects the amount requested from the user, is connected to a telephone line network and A medical expense guarantee contract conclusion support system connected via the Internet network,
The telephone dedicated to accepting medical expense guarantee contracts is
an automatic voice response device that automatically responds with voice to the other party on the call;
the voice recognition device that recognizes voice information answered by the user immediately after the automatic voice response device asks the user a question and converts it into Japanese character information;
a voice recording device that records voice exchanges between the user's mobile phone and the medical expense guarantee contract acceptance telephone and converts it into a format that can be saved on a computer;
a telephone device for making a call or sending a text message from the telephone exclusively for accepting medical expense guarantee contracts to the user's mobile telephone;
The medical expense guarantee contract generation computer includes:
a template storage device that stores a template of a standard medical expense guarantee contract;
contract generation for generating a contract by embedding Japanese character information of the recognition result recognized by the voice recognition device of the medical expense guarantee contract acceptance telephone into the contract template stored in the template storage device; a device;
a contract transmission device that transmits contract information generated by the contract generation device to the medical expense guarantee contract issuance computer;
a contract storage device that stores the contract generated by the contract generation device;
has
The payment and collection computer includes:
a payment processing device that executes payment of medical expenses to the medical institution for the user who is a party to the medical expense guarantee contract in response to a request from the medical expense billing computer;
a billing device for a user that requests the user to pay to the medical expense guarantee company;
a deposit management device that manages deposits into the bank account of the medical expense guarantee company;
a reminder device that prompts the user if the payment from the user to the medical expense guarantee company has not been made by the date specified in the medical expense guarantee contract;
A medical expense guarantee contract conclusion support system, wherein the automatic voice response device and the voice recognition device of the telephone dedicated to accepting medical expense guarantee contracts are both compatible with a plurality of languages. displaying an information-embedded image on the screen or outside of the housing of the medical expense guarantee contract issuing computer;
When the user reads the information-embedded image using the user mobile phone, the telephone number of the medical expense guarantee contract reception phone is imported into the user mobile phone, making it possible to make a call. The medical expense guarantee contract conclusion support system according to claim 1. The medical expense guarantee contract generation computer includes:
a contract term management device that manages a contract term of a contract stored by the contract storage device;
Making a call to the user's mobile phone using a calling device of the phone dedicated to accepting medical expense guarantee contracts before the contract period managed by the contract period management device ends with respect to the user; or a contract renewal device that urges the user to renew the contract by sending a short mail,
The contract renewal device, when the calling device of the medical expense guarantee contract reception telephone makes a call to the user's mobile phone or sends a short mail,
The user responds to the telephone to prompt the user to renew the contract, and the user responds to the question on the automatic voice response device of the telephone exclusively for accepting medical expense guarantee contracts; 2. The medical expense guarantee contract conclusion support system according to claim 1, wherein the medical expense guarantee contract conclusion support system realizes contract renewal. The template storage device also includes a template for when a staff member of the medical institution or a family member of the user signs a proxy contract as the user's agent,
The automatic voice response device also supports automatic voice response in case of agent contract,
2. The medical expense guarantee contract conclusion support system according to claim 1, wherein a proxy contract is enabled. The medical expense guarantee contract generation computer includes:
further comprising an unpaid information management device that manages information regarding whether or not the user, who is a contract party to the contract stored by the contract storage device, has outstanding payments to the medical expense guarantee company;
A claim characterized in that when a contract is concluded or a contract is renewed, the contract or contract renewal is not performed if the user has unpaid money to the medical expense guarantee company by referring to the unpaid information management device. 1 or Claim 3. The medical expense guarantee contract conclusion support system.

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