KR20010078852A - a method of electronic financial system on receivable for hospital and drug store - Google Patents

Abstract

PURPOSE: A financial system using medical insurance charge demanding trade receivables of a medical treatment institution and a method for processing thereof are provided for a sanatorium to obtain an insufficient fund easily by providing a method flowing selling bonds to a medical insurance charge supplying institution and to activate a financial market by enlarging a range and an amount of a lending by developing new financial commodity. CONSTITUTION: An operation is started(S10). Charge contents of a medical insurance charge are collected at on-line(S20). A lending limit is embodied by calculating estimated selling amounts according to sanatoriums(S30). A lending is provided to the sanatorium(S40). The provided lending is managed(S50). A charge is received from a medical insurance charge supplying institution(S60). The lending amount is exactly calculated from the amount received from the medical insurance charge supplying institution(S70). The amount is paid to the sanatorium(S80). The operation is completed(S90).

Description

Financial system using receivables from medical insurance premiums of hospitals, pharmacies, etc. and its treatment {a method of electronic financial system on receivable for hospital and drug store}

The present invention relates to a financial system using medical claims for reimbursement of medical insurance premiums of hospitals and pharmacies, and a method of processing the same. More specifically, medical institutions such as hospitals and pharmacies (hereinafter referred to as nursing institutions) are referred to as National Health Insurance. The accounts receivable that are to be received by medical insurance payment institutions (hereinafter referred to as 'medical insurance payment institutions'), such as industrial complexes, are considered to be receivables for future receivables or claims to be claimed in the future, in consideration of their characteristics. Medical care in nursing institutions that provides credit to the nursing institution by improving the cash flow through the smooth supply of necessary funds by providing loans as collateral for the amount of claims receivable plus (hereinafter referred to as 'trade receivables'). The present invention relates to a financial system using premium claim receivables and a method of processing thereof.

In this invention, the trade receivables refers to the price that a nursing institution bills a medical insurance premium payment institution such as the National Health Insurance Corporation in consideration of the number of medical insurance in treating, prescribing or dispensing a patient.

As a result of the nation's medical insurance and medical division of labor, nursing agencies receive a large portion of their sales from their health insurance payers instead of receiving them from their customers.

At this time, the health insurance premium payer pays the fee to the nursing institution after a period of 20 days from the date of the claim for the purpose of reviewing the claim. The cash flow of nursing institutions is deteriorating due to various factors such as the payment of medicines, payment of medicines, and the increase in size.

In the case of such a deterioration of cash flows, some nursing institutions with high funds or high credibility may be able to resolve the deficit of cash flows through their own provision or borrowing from bank notes.

However, nursing institutions that cannot cover 100% of the necessary funds due to lack of credit or collateral can only use similar financing to finance the necessary funds, resulting in high interest costs, or even closing down due to lack of funds. As a result of this problem, the quality of medical services of the people is deteriorated, and for the purpose of financing, nursing organizations are deprived of their funding work, rather than their duties, and the concentration of business is inevitable. The financial market is abnormally developed, and financial institutions have a problem in that the scope of money management is relatively reduced.

An object of the present invention is to solve such a conventional problem, by providing a way to liquidate the receivables that the nursing institution will have to the medical insurance payment institutions at the same time as the medical insurance sales, so that the nursing institutions to load the insufficient funds timely In addition, the company can increase the profits by increasing the scope and amount of credit through the development of new financial products. It is to provide a financial system and medical treatment method using medical insurance claims sales receivables of nursing institutions that can promote the vitalization of the financial market.

1 is a block diagram illustrating an online connection of a financial system using medical claims billing receivables of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

Figure 2 is a block diagram of a system server of the financial system using the receivable receivables of medical insurance premiums of medical institutions, such as hospitals, pharmacies according to an embodiment of the present invention.

3 is a flowchart illustrating an operation method of a financial system using a medical insurance claim account receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

Figure 4 is a flow for the collection of medical insurance billing data of the financial system using the medical claims billing receivables of medical institutions, such as hospitals, pharmacies according to an embodiment of the present invention.

5 is a flowchart illustrating an operation of data security decryption of a financial system using a medical insurance claim account receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

6 is a flowchart illustrating an operation of granting a credit limit of a financial system using a medical insurance claim account receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

7A is a diagram illustrating an online connection when a withdrawal request is made using an automated device of a financial system using a medical insurance bill sales receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

7B is a flowchart illustrating an operation of a credit process when a withdrawal request is made using an automated device of a financial system using a medical insurance bill sales receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

7C is a diagram illustrating an online connection when a withdrawal request is made using a telephone of a financial system using a medical insurance bill sales receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

7d is a flowchart illustrating an operation of a credit process when a withdrawal request is made using a telephone of a financial system using a medical insurance bill sales receivable of a nursing institution such as a hospital or a pharmacy according to an embodiment of the present invention.

7E is a diagram illustrating an online connection when a withdrawal request is made using an internet device of a financial system using a medical insurance bill sales receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

FIG. 7F is a flowchart illustrating an operation of a credit process when a withdrawal request is made using an Internet device of a financial system using a medical insurance bill sales receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

7G is a diagram illustrating an online connection when a withdrawal request for electronic money is used in a financial system using a medical insurance bill sales receivable of a nursing institution such as a hospital or pharmacy according to an exemplary embodiment of the present invention.

7h is a flowchart illustrating an operation of a credit process when a withdrawal request using electronic money of a financial system using a medical insurance bill sales receivable of a medical institution such as a hospital and a pharmacy according to an embodiment of the present invention.

FIG. 8 is a flowchart illustrating an operation of calculating an accreditation rate of a financial system using medical receivables receivables from medical institutions such as hospitals and pharmacies according to an exemplary embodiment of the present invention.

9A to 9D are flowcharts illustrating a credit settlement process of a financial system using a medical insurance claim account receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

10: medical insurance payment institution server 20: relay company server

30: nursing institution server or PC 40: system server

41: host unit 42: database

43: terminal unit 44: communication unit

45: network connection 10: bank server

60: withdrawal request means

As a means for achieving the above object, the configuration of the system of the present invention includes a host unit for controlling the overall operation, and various kinds of information about medical insurance claim sales and medical insurance payments of the nursing institution are classified and stored. A system server comprising a database, a terminal unit for a user interface, a communication unit for communication with the outside, and a network connection unit for connecting to a network such as the Internet, wherein the system server includes a plurality of medical institutions. It is equipped with software that includes the process of collecting receivables online from a server or PC (hereinafter referred to as a nursing institution server).

It is more preferable that the system server is equipped with software that additionally receives data about the trade receivables encrypted to be secured from the server of the nursing institution and decrypts them.

The system server may include a medical insurance fee storage ratio (hereinafter, referred to as a claim amount charged by a nursing institution to a medical insurance premium paying institution and a amount of medical insurance received from a medical insurance premium paying institution). It is more preferable that the process of determining the credit limit by " acknowledgment rate "

The system server, when there is a withdrawal request from a nursing institution, compares the above credit limit with the requested amount when the requested amount is within the credit limit, and provides the receivables of the nursing institution corresponding to the paid amount. It is more preferable that the process of securing the mortgage is carried out with software that is additionally included.

The system server is a process of receiving the amount of the receivables from the medical insurance payment agency on behalf of the nursing institution, while storing and managing all information related to the credits such as accounts receivables and interest, principal, delinquency, default, etc. in the database It is further preferable to carry out by mounting the software which is further included.

After the system server receives the receivable amount from the medical insurance payer, the system server setstles the credit amount including the principal and interest with the storage price received from the medical insurance payer, and then pays the amount after settlement to the nursing institution. It is more preferable that the process is carried out with the software included additionally.

As a means for achieving the above object, the configuration of the method of the present invention is such that when the operation is started, the system server collects a large amount of receivables online from a plurality of nursing institution servers or a relay company server or a medical insurance payer server. A step is made.

The configuration of the method of the present invention, it is more preferable to further comprise the step of receiving the data on the accounts receivable encrypted to ensure the security from the server of the care institution to decrypt it.

It is more preferable that the configuration of the method of the present invention further comprises the step of calculating and giving a credit limit for each nursing institution.

According to the configuration of the method of the present invention, when there is a withdrawal request from a nursing institution, if the requested amount is within the credit limit compared with the above credit limit, the payment of the nursing institution equivalent to the requested amount paid at the same time as the requested amount is paid. It is more desirable to further comprise the step of securing the bond as collateral.

The configuration of the method of the present invention, while storing all information related to the credit, such as interest, principal, delinquency, default, etc. of the receivables provided credit, and manages it in the database, sales from the medical insurance payment agency on behalf of the nursing institution It is more desirable to further comprise the step of receiving the bond amount.

According to the configuration of the method of the present invention, after receiving the amount of the receivable from the medical insurance premium payment institution, the credit amount including the principal and interest is settled with the receiving payment received from the medical insurance premium payment institution, and then the amount after settlement is provided to the nursing institution. It is more preferable to further comprise the step of paying.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Other objects, features, and operational advantages, including the object, operation, and effect of the present invention will become more apparent from the description of the preferred embodiment.

For reference, the embodiments disclosed herein are only presented to select the most preferred examples from among the various possible examples to help those skilled in the art to understand, the technical spirit of the present invention is not necessarily limited or limited to this embodiment, In the field of computerization of trade receivables, various changes and modifications are possible within the scope without departing from the technical spirit of the present invention, as well as other exemplary embodiments are possible.

1 is a diagram illustrating an online connection of a financial system using a medical insurance bill sales receivable of a nursing institution according to an exemplary embodiment of the present invention.

As shown in FIG. 1, an online connection configuration of a financial system using a medical insurance claim sales receivable of a nursing institution according to an embodiment of the present invention includes a medical insurance payment institution server 10 and a relay company server 20. The system server 40 is connected to at least one of the nursing institution servers 30, and the bank server 50 is connected to the system server 40, and the system server 40 or the bank server ( 50 is made of a structure that is connected to the withdrawal request means (60).

2 is a block diagram of a system server of a financial system using a medical insurance claim sales receivable of a nursing institution according to an embodiment of the present invention.

As shown in FIG. 2, a system server of a financial system using a medical insurance claim account receivable of a nursing institution according to an embodiment of the present invention includes an application, a file, an operating system (OS), and the like. The host unit 41 which controls the overall operation, the database unit 42 which stores and classifies various information related to the receivables, medical insurance payments and credits of the nursing institution and the nursing institution, and the user interface. And a terminal unit 43 for communication, a communication unit 44 for communication with the outside, and a network connection unit 45 for connecting to a network such as the Internet.

3 is a flowchart illustrating a method of processing a financial system using a medical insurance claim sales receivable of a nursing institution according to an embodiment of the present invention.

As shown in Figure 3, the configuration of the processing method of the financial system using the medical insurance claims sales receivables of the nursing institution according to an embodiment of the present invention, the step of starting the operation (S10) and the history of medical insurance claims Collecting online (S20), calculating a calculated sales amount for each care institution (S30), giving a credit limit (S40), providing a credit to the care institution (S40), and managing the provided credit ( S50), the step of storing the payment from the medical insurance premium payment institution (S60), the step of calculating the credit amount to the amount received from the medical insurance premium payment institution (S70), and the step of paying the amount after payment to the nursing institution ( S80, and the step (S90) where the operation is terminated.

According to the above configuration, the operation of the financial system and its processing method using the medical insurance claims receivables of the care institution according to an embodiment of the present invention are as follows.

After the power is applied, the routine of FIG. 3 is performed by the system server 40 to start the operation of the financial system using the medical insurance bill receivable of the nursing institution (S10). After the operation is started in this way, the host unit 41 of the system server 40 controls the overall operation, and stores various data information in the database unit 42 or reads from the database unit 42. In response to the user command and data through the terminal unit 43, the communication unit 44 communicates with an external device through the network connection unit 41.

After the operation is started, the system server 40 transmits the data on the medical insurance claim revenue from the nursing institution server 30 or the relay company server 20 or the medical insurance payment institution server 10 by wire, wireless, leased line or the Internet. Collect, input through (S20).

The medical insurance claim sales-related data includes indirect data related to medical insurance claims, such as patient name, nursing institution number, Gyobo number, and prescription contents, in addition to direct data such as transaction date, nursing institution, medical insurance claim amount, and medical insurance premium management institution. Refers to information required in connection with a claim for medical insurance.

4 is a flow related to data collection of a financial system using medical insurance claims sales receivables of a nursing institution according to an embodiment of the present invention. As shown in FIG. 4, the system server 40 generates medical insurance sales. Then, in the process of the medical insurance claim is made to the medical insurance paying institution server 10 through the care agency server 30 through the relay company server 20 (P11), the medical institution billing server (30). ) Or collected through the wired, wireless, dedicated line or the Internet from the relay server 20 or the medical insurance payer server 10 (P12).

As such, in the process of collecting data on medical billing sales, the data on medical billing sales may be encrypted for security. In this case, the system server 40 encrypts the data as shown in FIG. The data is decrypted.

FIG. 5 is a flowchart illustrating a process of data security decryption of a financial system using a medical insurance claim account receivable of a nursing institution such as a hospital or a pharmacy according to an exemplary embodiment of the present invention. As shown in FIG. 5, when the care institution encrypts and transmits the sales data data (S21), the system server 40 decrypts the encrypted data (S22). May be omitted depending on whether security is required

After collecting and storing data on the approved sales through the method as described above, the system server 40 calculates the calculated sales amount for the nursing institution from the stored data and assigns a credit limit for each nursing institution (S30).

As described in detail in FIG. 6, the process of assigning the credit limit is performed at step S31 where the start is made, verifying the adequacy of the sales by comparing the number of medical insurances (S32), and providing a medical insurance premium. Calculating the calculated sales amount by applying the accreditation rate calculated based on the amount billed to the institution and the amount paid (S33), granting a credit limit based on the calculated sales amount (S34), and terminating the operation. A step S35 is made.

The credit limit may apply the amount calculated by subtracting the expected interest from the calculated sales times multiplied by the accreditation rate.However, based on this, it may occur within N days of the medical insurance claim sales estimated by the nursing institution on a daily, weekly, monthly or yearly basis. It can be the sum of future sales. An example of calculating future sales is as follows.

S = S1 + Z

Where S is the turnover,

S1 is the average turnover for N-day health insurance claims (multiplied by N divided by daily, weekly, monthly and yearly sales),

Z is the confidence interval,

σ is the standard deviation of calculated sales.

In case of lack of funds, the nursing institution shall withdraw the necessary funds or purchase goods or services using the withdrawal requesting means 60 such as automated devices, telephones, Internet devices, electronic money cards, etc. It is used as a means of payment, when such an action is made, the system server 40 is processed as having secured the receivables corresponding to the amount withdrawn or paid as collateral (S40).

As such, the flow for each of the case where the nursing institution uses the payment device to withdraw funds or purchase goods or services using an automated device, a telephone, an Internet device, an electronic money card, etc. 7A to 7H, which are described below one by one.

7A is a block diagram illustrating an online connection when a withdrawal request is made using an automated device of a financial system using a medical insurance bill sales receivable of a nursing institution according to an embodiment of the present invention.

As shown in FIG. 7A, in the case of using the automated device 61, the credit is provided after the medical insurance billing sales are made in the nursing institution, and the data regarding the medical billing bill sales are shown in FIG. 5. After the credit limit is collected and stored by the system server 40, and given the credit limit by the system server 40 through the method shown in FIG. If the payment is input to the system server 40 via the bank server 50 through the bank server 50, the system server 40 compares the request amount with the credit limit and the bank server if the requested amount is within the credit limit. Approving the payment to the 50, the bank server 50 to approve the withdrawal approval to the automated device 61 to allow the nursing institution to withdraw the amount from the automated device 61, and at the same time the system server (4) e) is secured by securing the receivables from the relevant nursing institution corresponding to the amount withdrawn.

7B is an operation flowchart showing in detail a credit process when a withdrawal request is made using an automated device of a financial system using a medical insurance bill sales receivable according to an embodiment of the present invention.

As shown in FIG. 7B, the process of providing the credit when the withdrawal request is made by the nursing institution using the automated device 61 is performed at step S4011 and is issued through a bank or a cash machine using a banking network. Checking the received card (S4012), determining whether a password has been entered (S4013), receiving a request amount when there is a password input (S4014), input amount and credit Comparing the limit (S4015), and if the requested amount is greater than the limit (S4016), and if the requested amount is within the limit amount (S4017) And securing the accounts receivable corresponding to the corresponding amount as collateral (S4018) and terminating the operation (S4019).

7C is a diagram illustrating an online connection when a withdrawal request is made using a telephone of a financial system using a medical insurance bill sales receivable of a nursing institution according to an embodiment of the present invention.

As shown in FIG. 7C, when the telephone is used, the credit of the financial system using the medical insurance claim sales receivable of the nursing institution is provided by the method shown in FIG. 5 after the medical insurance claim sales are made at the nursing institution. After the data on insurance claim sales is collected and stored by the system server 40 and the credit limit is given by the system server 40 through the method shown in FIG. 6, the nursing institution calls the telephone 62. After entering the payment account and the amount through the system server 40, the transfer request to the system server 40, the system server 40 compares the request amount and the credit limit if the request amount is within the credit limit care of the bank server 50 While transferring the amount to the account designated by the institution, at the same time the system server 40 is secured by securing the receivable of the receivables of the appropriate nursing institution corresponding to the transferred amount .

FIG. 7D is a flowchart specifically illustrating a credit process when a withdrawal request using a telephone of a financial system using a medical insurance bill sales receivable according to an embodiment of the present invention.

As shown in FIG. 7D, the process of the crediting request by the nursing institution using the telephone 62 when the withdrawal request is performed includes a step S4021 in which an operation is started, and a step in which the telephone is connected when the nursing institution makes a call. (S4022), the step of receiving the merchant account number (S4023), the step of determining whether there is an input of the password (S4024), and the step of receiving a business resident registration number or business registration number if there is input of the password (S4025) ), A step of receiving a transfer-related bank name, a transfer system number, a requested amount, etc. (S4026), a step of confirming the above-described inputs to the telephone connector (S4027), and an input amount and a credit if the confirmation is made correctly. Comparing the limit (S4028) and, if the request amount is greater than the limit step (S4029) to select whether to proceed again, and if the request amount is within the limit amount to pay the request amount It comprises the step (S4031), a step (S4032) to end the operation to free up (S4030) and, securing the accounts receivable corresponding to the amount.

Figure 7e is a block diagram of the online connection when the withdrawal request using the Internet device of the financial system using the medical insurance claims sales receivables of the nursing institution according to an embodiment of the present invention.

As shown in FIG. 7E, when the Internet device is used, the credit of the financial system using the medical insurance claim sales receivable of the nursing institution is provided by the method shown in FIG. 5 after the medical insurance claim sales are made at the nursing institution. After the data on insurance claim sales is collected and stored by the system server 40 and the credit limit is granted by the system server 40 through the method shown in FIG. After inputting the payment account and the amount through the transfer request to the system server 40, the system server 40 compares the request amount and the credit limit, if the request amount is within the credit limit of the care of the bank server 50 While transferring the amount to the account designated by the institution, at the same time the system server 40 secures the credit card receivables of the merchants corresponding to the transferred amount as collateral It made written.

FIG. 7F is a flowchart illustrating a credit process when a withdrawal request is made using an internet device of a financial system using a medical insurance bill sales receivable according to an embodiment of the present invention.

As shown in FIG. 7F, the process of the credit institution when the withdrawal request is made using the internet device 63 includes starting the operation (S4041), and allowing the care institution to access the Internet through the Internet device. A step (S4042) connected to the case, a step (S4043) of inputting an ID (ID) and a password (Password), a step of receiving a transfer related bank name, a transfer system number, a requested amount, a remitter, etc. (S4044); Checking the transfer-related matters to the visitor (S4045); comparing the input amount with the credit limit (S4046), if the check is made correctly; Selecting (S4047), if the requested amount is within the limit amount, transferring the requested amount (S4048), securing a trade receivable corresponding to the amount as a collateral (S4049), and ending the operation. Step (S4050) It achieved by also.

Figure 7g is a block diagram of the online connection when the withdrawal request using the electronic money of the financial system using the medical insurance bill sales receivable of the nursing institution according to an embodiment of the present invention.

As shown in FIG. 7G, the credit system of the financial system using the medical insurance claim account receivable of the nursing institution when used through electronic money is provided in the method shown in FIG. 40, collected and stored, and given a credit limit by the system server 40 through the method shown in FIG. 6, the care institution purchases an electronic money card after purchasing goods or services from a credit card merchant. When presented, the credit card merchant requests the purchase approval from the system server 40 through its terminal 64, and the system server 40 compares the purchase approval request amount with the credit limit and the request amount is within the credit limit. In the case of approving the purchase, the money is transferred to the credit card merchant account of the bank server 50, and at the same time, the system server 40 corresponds to the transferred amount. It achieved by securing insurance claims fee accounts receivable as collateral.

7H is a flowchart illustrating an operation of a credit process when a withdrawal request using electronic money of a financial system using a medical insurance bill sales receivable of a nursing institution according to an embodiment of the present invention.

As shown in FIG. 7H, the process of making a loan when the withdrawal request is made by the nursing institution using electronic money is performed at step S4051 and after the nursing institution purchases the goods or services from the credit card merchant. Presenting an electronic money card for payment, the purchase approval request is input through another merchant terminal 64 installed in the credit card merchant (S4052), and determining whether the purchase amount is less than the credit limit of the nursing institution. (S4053), when the purchase amount is greater than the credit limit of the nursing institution, disabling notification (S4054); and when the purchase amount is less than the credit limit of the nursing institution, acknowledgment notification (S4055), and the purchase. Remittance of the payment to the credit card merchant (S4056), and the medical insurance claim corresponding to the purchase price from the medical insurance billing receivables of the nursing institution using electronic money And a step (S4057) of securing the accounts receivable as collateral and terminating the operation (S4058).

Although the electronic money is used like a debit card used in the existing financial sector, it shows the emergence of a new concept of electronic money with the advantage of eliminating the need for charging, which is a disadvantage of the debit card.

In this way, if the care institution needs funds, the withdrawal request means 60, such as an automated device 61, a telephone 62, an Internet device 63, an electronic money card, etc., is provided within the credit limit granted to the care institution. After withdrawing the necessary funds or using as a means of payment of goods or services secured as a security bond corresponding to the amount corresponding thereto (S40), the system server 40 is the interest of the bond receivable billed as collateral at the time of credit, All information related to the credit, such as principal, overdue, default, is stored in the database and managed (S50).

Next, the system server 40 receives the amount of the receivables from the medical insurance premium payer on behalf of the nursing institution, and calculates the recognition rate of the charged amount compared with the medical insurance bill of the nursing institution (S60).

8 is a detailed operation flow chart for calculating the recognition rate of the financial system using the receivables receivable of medical insurance premiums according to an embodiment of the present invention.

As shown in FIG. 8, the process of calculating the accreditation rate by the nursing institution includes the step of starting the operation (S61), the step of receiving payment from the medical insurance payment institution (S62), and the amount of money received against the billed amount. And comparing (S63) calculating the average and the variance and the standard deviation thereof, calculating (S64) calculating the recognition rate of the billed amount, and terminating the operation (S65).

The above recognition rate is calculated by the following method.

A (R) = W1, A1 (R1) + W2, A2 (R2)

Where A (R) is the recognition rate,

W1, W2 are weights,

A1 (R1) is the accreditation rate of the last N times,

A2 (R2) is the accreditation rate currently applied,

A1 (R1) or A2 (R2) = Ai (Ri) + Z1.σ1,

Ai (Ri) is the average amount of storage / billing,

Z1 is the reliability,

sigma 1 is the standard deviation of Ai (Ri).

The recognition rate may apply a specific value for the convenience and smoothness of operation.

After receiving the amount of the trade receivable as described above, the system server 40 calculates the credit amount including the principal and interest with the payment received from the medical insurance premium payment institution (S70).

Such a settlement process may be implemented by various methods as illustrated in FIGS. 9A to 9D.

As shown in Fig. 9A, when the operation starts (S7011), while interest is received (S7012), the principal is compared with the credit limit (S7013), and the amount outside the limit is received the principal (S7014), and within the limit. If the amount is due to determine whether the maturity date has arrived (S7015), if the maturity date has arrived (S7016), if the maturity date has not arrived, the settlement is settled by replacing the mortgage bond and extending the principal until the maturity date. There is a method (S7017).

The calculation of the principal replacement amount is set by the following equation.

RP1 = A1-I1

RP2 = RP1- (CL1 -D1)

RP3 = RP2-MA1

Where RP1 is the amount of principal repayment after interest deduction,

A1 is the amount paid by the health insurance provider,

I1 is the interest on the principal borrowed by the nursing institution,

RP2 is the amount to be repaid after deducting the credit amount exceeding the credit limit,

CL1 is the credit limit for nursing agencies,

D1 is the amount withdrawn from the care institution,

RP3 is the principal replacement amount (after settlement),

MA1 is the principal amount due at maturity.

In addition, as shown in Fig. 9B, when the operation is started (S7021), the interest is received (S7022), the principal is compared with the credit limit (S7023), the amount outside the limit is received the principal (S7024), the limit If the amount is within the amount, there is a method to settle by continuously replacing the security bonds and extending to the desired time by the nursing institution (S7025).

In the above example, the interest and principal receipt settlement method is set by the following equation.

RP1 = A1 -I1

RP2 = RP1- (CL1 -D1)

RP3 = RP2-MA1

Where RP1 is the amount of principal repayment after interest deduction,

A1 is the amount paid by the health insurance provider,

I1 is the interest on the principal borrowed by the nursing institution,

RP2 is the principal replacement amount (after settlement),

CL1 is the credit limit for nursing agencies,

D1 is the amount withdrawn from the care institution.

In addition, when the operation is started as shown in FIG. 9C (S7031), interest is received (S7032), the principal is compared with the credit limit (S7033), and the amount other than the limit is received with the principal (S7034). In the case of within the amount of money, there is a method in which the principal recovers a certain portion of the credit amount (S7035), and the balance is settled by extending (S7036).

In the above example, the interest and principal receipt settlement method is set by the following equation.

RP1 = A1-I1

RP2 = [RP1- (CL1-D1)] X AP1

RP3 = RP2-MA1

Where RP1 is the amount of principal repayment after interest deduction,

A1 is the amount paid by the health insurance provider,

I1 is the interest on the principal borrowed by the nursing institution,

RP2 is the principal replacement amount (after settlement),

CL1 is the credit limit for nursing agencies,

D1 is the amount withdrawn from the care institution,

AP1 is (1- principal repayment rate).

In addition, when the operation starts as shown in FIG. 9D (S7041), there is a method of receiving the interest (S7042), and receiving the principal at the amount after the receipt of the interest (S7043) to settle the principal (S7044).

In the above example, the interest and principal receipt settlement method is set by the following equation.

RP1 = (A1-I1) -D1

Where RP1 is the principal replacement amount (after settlement),

A1 is the amount paid by the health insurance provider,

I1 is the interest on the principal borrowed by the nursing institution,

D1 is the amount withdrawn from the care institution.

When the settlement process is completed (S70), the system server 40 pays the amount after settlement to the account of the relevant institution (S80), the operation is terminated (S90).

As described above, in the embodiment of the present invention, by providing a credit using the medical insurance claims sales receivables of the nursing institution, which has not been available until now, the nursing institution enables the liquidation of the trade receivables to smoothly supply business funds. To enhance business capacity by providing time to concentrate on business and to concentrate on business, financial companies can provide financial services to vitalize financial markets, eliminate abnormal high cost markets, and balance socially and economically. It is possible to provide a financial system and treatment method using the receivables of medical insurance premium claims of a nursing institution, which has the effect of pursuing a market that exists. Such effects of the present invention may be used in various applications within the scope of the technical idea of the present invention in the financial system field in the form of purchase or the like.

Claims (20)

A host unit for controlling the overall operation, a database in which various kinds of information on the medical insurance claim sales of the nursing institution are classified and stored, a terminal unit for the user interface, a communication unit for external communication, and the Internet In the system server comprising a network connection for connecting to a network, such as: The system server is equipped with a software that includes a process for collecting a large amount of medical insurance claims receivables online from a plurality of nursing institution server, relay company server or medical insurance payment institution server Financial system using institutional claims for medical insurance claims. The method of claim 1, wherein the system server, characterized in that the software is further included in the process of receiving and decrypting the data on the accounts receivable encrypted to ensure the security from the server of the nursing institution. Financial system using receivables from medical insurance premiums of medical institutions. The method according to claim 1 or 2, wherein the system server compares the amount of medical insurance claim sales receivables collected from a plurality of nursing institution servers, relay company servers, or medical insurance paying institution servers to compare the storage amount with the medical insurance claim. A financial system using receivables for medical insurance claims of a nursing institution, characterized in that the software is further equipped with a process for determining the credit limit based on the calculated average and variance. The method of claim 3, wherein the system server, when there is a withdrawal request from a nursing institution, compares with the above credit limit and pays the request amount when the requested amount is within the credit limit. A financial system using a claim for reimbursement of medical insurance premiums of a nursing institution, characterized in that the software is additionally included in the process of securing the receivables of the nursing institution as collateral. The financial system of claim 4, wherein the withdrawal request is made by using an automated device. 5. The financial system of claim 4, wherein the withdrawal request is made by telephone. The financial system of claim 4, wherein the withdrawal request is made by using an Internet device. The financial system of claim 4, wherein the withdrawal request is made using electronic money. 5. The system server of claim 4, wherein the system server stores all information related to credit, such as interest, principal, delinquency, and default of trade receivables, in a database, and manages the information, and sells the medical server on behalf of a nursing institution. A financial system using receivables for reimbursement of medical insurance premiums of a nursing institution, characterized in that the software is further included in the process of receiving a bond amount. According to claim 3, The system server, after receiving the amount of the receivables from the medical premium payment institution, after calculating the credit amount including the principal and interest with the payment received from the medical premium payment institution, the amount after settlement The financial system using the receivables receivables of the medical insurance premiums of the nursing institution, characterized in that the software is provided with the additional process of paying to the nursing institution. 10. The system server according to claim 4 or 9, wherein the system server, after receiving the trade receivable amount from the medical insurance premium paying institution, calculates the credit amount including the principal and interest with the payment received from the medical insurance premium paying institution. , The financial system using the receivables receivables of the medical insurance premiums of the care institution, characterized in that the software is provided with the additional process of paying the amount after the settlement. 12. The method of claim 10, wherein the settlement is made by collecting a large amount of medical claims claims and receivables from a plurality of nursing agencies, relay companies or medical insurance payment institutions, and then replacing the security bonds with new trade receivables. Financial system using the receivables receivable of medical insurance premiums of the nursing institution, characterized in that to maintain the receivables by extending. When the operation is started, the system server comprises the step of collecting a large amount of medical insurance claims receivables online from a plurality of nursing institution server or relay company server or medical insurance payment institution server Method of processing financial system using claims receivables. 15. The method of claim 13, further comprising the step of receiving and decrypting the data on the trade receivables encrypted to ensure security from the server of the nursing institution and decrypting them. How to handle the system. 15. The method of claim 13 or 14, further comprising calculating and assigning a credit limit for each care institution. 16. The claim of claim 15, wherein, when there is a withdrawal request from a nursing institution, if the requested amount is within the credit limit compared to the above credit limit, the receivable of the receivable institution corresponding to the requested amount paid at the same time as the requested amount is paid A method of processing a financial system using medical claims claims receivables of a nursing institution further comprising the step of securing a security. 17. The method according to claim 16, wherein all information related to credit, such as interest, principal, delinquency, and default of trade receivables, is stored in a database and managed, while receiving the receivable amount from the medical insurance payer on behalf of a nursing institution. The treatment method of the financial system using the medical claims claims sales receivables of the care institution further comprising a. 16. The method of claim 15, after the receipt of the receivable amount from the medical insurance payment institution, the credit amount including principal and interest is settled with the payment received from the medical insurance payment institution, and then the amount paid after payment to the nursing institution. A method of processing a financial system using medical insurance claims sales receivables of a nursing institution, characterized in that further comprising the step. 18. The institution according to claim 16 or 17, after receiving the amount of the receivables from the medical insurance payer, after calculating the credit amount including the principal and interest with the payment received from the medical insurance payer, the amount after the settlement A method of processing a financial system using a claim for reimbursement of medical insurance premiums of a nursing institution, characterized by further comprising the step of paying. 19. The method of claim 18, wherein the settlement step comprises collecting a large amount of medical claims claims and receivables from a plurality of nursing institutions, relay companies or medical insurance payment institutions, and then replacing the security bonds with new trade receivables. Method of processing the financial system using the claims receivable of medical insurance premiums of the care institution, characterized in that extending the.