WO2020108151A1

WO2020108151A1 - Payment method and apparatus, and device

Info

Publication number: WO2020108151A1
Application number: PCT/CN2019/111583
Authority: WO
Inventors: 耿浩
Original assignee: 阿里巴巴集团控股有限公司
Priority date: 2018-11-30
Filing date: 2019-10-17
Publication date: 2020-06-04
Also published as: TW202022739A; CN110060049A

Abstract

A payment method and apparatus, and a device. By means of the interaction of a payment server, a charging terminal, and a medical insurance system, when a transaction payment request is received (202), obtain medical insurance payment card information corresponding to payer information on the basis of a preset binding relationship between a payer and a medical insurance payment card, and send the medical insurance payment card information, transaction information, and charging terminal information to a medical insurance system (204); thus, the medical insurance system performs settlement processing and medical insurance fee payment processing on the transaction according to the received information (206), and executes payment processing of paying self-paid fees to the charging terminal according to a processing result fed back by the medical insurance system (208), thereby implementing the hybrid payment of the medical insurance fees and the self-paid fees by means of one payment behavior, and improving the payment efficiency.

Description

Payment method, device and equipment

Technical field

This specification relates to the field of data processing, and in particular to payment methods, devices, and equipment.

Background technique

Medical insurance may be a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund shall be established by the employer and the individual to pay the fees. After the insured person incurs medical expenses, the medical insurance institution shall give him certain economic compensation. The medical insurance payment card may be a card for reimbursement of medical-related expenses, and the cardholder may use the medical insurance payment card to seek medical treatment or purchase medicine at a designated retail pharmacy. For example, the medical insurance payment card may be a social security card, a medical insurance card, or the like. Taking the social security card as an example, the social security card can also be referred to as the social security card. It is planned by the Ministry of Human Resources and Social Security and issued by the local human resources and social security departments to the society for various tasks of human resources and social security. Integrated circuit (IC) cards in the field. In many cases, cardholders can seek medical treatment with medical insurance payment cards or buy drugs at designated retail pharmacies, etc., and carry out real-time settlement of medical insurance. However, not all medical expenses or drug expenses are expenses that can be reimbursed by medical insurance. Therefore, after the medical insurance payment card pays the medical insurance expenses, the user needs to use other payment methods to pay the out-of-pocket expenses.

Summary of the invention

In order to overcome the problems in related technologies, this specification provides payment methods, devices, and equipment.

According to a first aspect of the embodiments of this specification, a payment method is provided. The method includes:

The payment service end receives a transaction payment request, the transaction payment request at least includes: payer information, transaction information between the consumer and the charging end, and charging end information;

The payment server acquires the medical insurance payment card information corresponding to the payment party information based on the preset binding relationship between the payment party and the medical insurance payment card, and sends the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system ;

The medical insurance system settles the transaction based on the received information, obtains the medical insurance fee and the out-of-pocket fee of the transaction, performs payment processing to pay the medical insurance fee to the charging terminal based on the information of the charging terminal, and feeds back the processing result to the payment server;

The payment server performs payment processing to pay the out-of-pocket fee to the charging terminal based on the processing result.

In one embodiment, the method further includes: the charging terminal sends a transaction payment request to the payment server by invoking the payment interface of the payment server, and the transaction payment request also carries a medical insurance payment identifier indicating that the medical insurance is used for payment .

In one embodiment, the transaction payment request further includes a medical insurance system identifier, and the method further includes: the payment server sends a pre-settlement request carrying the medical insurance payment card information, transaction information, and charging terminal information to the Describe the medical insurance system corresponding to the medical insurance system, and receive the medical insurance fee and self-paid expenses of this transaction fed back by the medical insurance system, and send payment reminder information including medical insurance expenses and self-paid expenses to the payment client;

The sending of the medical insurance payment card information, transaction information and charging terminal information to the medical insurance system includes: carrying the medical insurance payment card information, transaction information and charges when receiving the payment confirmation instruction returned by the payment client The settlement request of the terminal information is sent to the medical insurance system corresponding to the medical insurance system identifier.

In one embodiment, the transaction payment request further includes a medical insurance system identifier, and the method further includes: the payment server sends the medical insurance payment card information, transaction information, and charging terminal information by calling a pre-settlement interface of the medical insurance system To the medical insurance system corresponding to the medical insurance system identifier, and to receive the medical insurance fee and self-paid expenses of this transaction fed back by the medical insurance system, and output payment reminder information including medical insurance expenses and self-paid expenses to the payment client;

The sending of the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system includes: when receiving the payment confirmation instruction returned by the payment client, the medical insurance payment card is transferred by calling the settlement interface of the medical insurance system The information, transaction information and charging terminal information are sent to the medical insurance system corresponding to the medical insurance system identification.

In one embodiment, the binding relationship between the payer and the medical insurance payment card is configured on the payment client, and the method further includes:

The payment client determines that the card owner and the payer of the medical insurance payment card are the same user; authenticates the current operator. If the current operator is determined to be the user through verification, it is determined that the payer and the device guarantee card have a binding relationship.

According to a second aspect of the embodiments of the present specification, a payment method is provided. The method includes:

Receiving a transaction payment request, the transaction payment request includes at least: payer information, transaction information between the consumer and the charging terminal, and charging terminal information;

Based on the preset binding relationship between the payer and the medical insurance payment card, obtain the medical insurance payment card information corresponding to the payer information, and send the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system for The medical insurance system performs settlement processing and medical insurance fee payment processing on the transaction according to the received information;

According to the processing result fed back by the medical insurance system, payment processing to pay the out-of-pocket fee to the charging terminal is performed.

In one embodiment, the transaction information includes privacy encrypted information, the privacy encrypted information is information that encrypts the specified type of privacy information generated during the transaction, and the privacy information is used when the medical insurance system performs settlement Information required.

In one embodiment, the transaction payment request further includes consumer information. Before sending the medical insurance payment card information, transaction information, and the charging terminal information to the medical insurance system, the method further includes:

According to the payer information and the consumer information, it is determined that the consumer and the payer are the same user.

In one embodiment, the transaction payment request further includes a medical insurance system identifier, and the method further includes: sending a pre-settlement request carrying the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system Identify the corresponding medical insurance system, and receive the medical insurance fee and self-paid fee of this transaction fed back by the medical insurance system, and send payment reminder information including medical insurance fee and self-paid fee to the payment client;

In one embodiment, the transaction payment request further includes a medical insurance system identification, and the method further includes: sending the medical insurance payment card information, transaction information, and charging terminal information to the Describe the corresponding medical insurance system of the medical insurance system, and receive the medical insurance fee and self-paid fee of this transaction fed back by the medical insurance system, and output payment reminder information including medical insurance fee and self-paid fee to the payment client;

In one embodiment, the method further includes:

If based on the payer information and the preset binding relationship between the payer and the medical insurance payment card, it is determined that the payer is not bound to the medical insurance payment card, and a reminder message of transaction failure is output, or a reminder message of whether full self-pay payment is output.

In one embodiment, the method further includes:

If the processing result indicates that this transaction cannot be paid using medical insurance, a reminder message indicating whether full self-pay is to be output is output.

According to a third aspect of the embodiments of the present specification, a payment device is provided, the device including:

The request receiving module is used to: receive a transaction payment request, the transaction payment request at least includes: payer information, transaction information between the consumer and the charging terminal, and charging terminal information;

The information sending module is used to: based on the preset binding relationship between the payer and the medical insurance payment card, obtain the medical insurance payment card information corresponding to the payer information, and convert the medical insurance payment card information, transaction information and charging terminal information Send to the medical insurance system for the medical insurance system to settle the transaction and pay the medical insurance fee based on the received information;

The fee payment module is used to: perform payment processing to pay the out-of-pocket fee to the charging terminal according to the processing result fed back by the medical insurance system.

According to a fourth aspect of the embodiments of the present specification, there is provided a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements the program as follows method:

The technical solutions provided by the embodiments of the present specification may include the following beneficial effects:

In the embodiment of the present specification, through the interaction between the payment server and the charging terminal and the medical insurance system, when receiving the transaction payment request, based on the preset binding relationship between the payer and the medical insurance payment card, the medical insurance payment card corresponding to the information of the payer is obtained Information, send the medical insurance payment card information, transaction information and charging terminal information to the medical insurance system for the medical insurance system to settle the transaction and medical insurance fee payment processing based on the received information, and execute the transaction according to the processing results fed back by the medical insurance system The payment terminal pays the payment processing of self-paid expenses, so as to realize the mixed payment of medical insurance expenses and self-paid expenses in one payment, and improve the payment efficiency.

It should be understood that the above general description and the following detailed description are only exemplary and explanatory, and do not limit this specification.

BRIEF DESCRIPTION

The drawings herein are incorporated into and constitute a part of this specification, show embodiments consistent with this specification, and are used to explain the principles of this specification together with the specification.

Fig. 1 is an application scenario diagram of a payment method according to an exemplary embodiment of this specification.

Fig. 2 is a flowchart of a payment method according to an exemplary embodiment of this specification.

Fig. 3 is a schematic diagram of an electronic social security card generation process according to an exemplary embodiment of this specification.

Fig. 4 is a flowchart of another payment method according to an exemplary embodiment of this specification.

Fig. 5A is a flowchart of another payment method according to an exemplary embodiment of this specification.

Fig. 5B is an application scenario diagram of another payment method shown in this specification according to an exemplary embodiment.

Fig. 5C is a schematic diagram of a payment client page according to an exemplary embodiment of this specification.

FIG. 6 is a hardware structure diagram of computer equipment where the payment device of this specification is located.

Fig. 7 is a block diagram of a payment device according to an exemplary embodiment of this specification.

detailed description

Exemplary embodiments will be described in detail here, examples of which are shown in the drawings. When referring to the drawings below, unless otherwise indicated, the same numerals in different drawings represent the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this specification. Rather, they are merely examples of devices and methods consistent with some aspects of this specification as detailed in the appended claims.

The terminology used in this specification is for the purpose of describing particular embodiments only, and is not intended to limit this specification. The singular forms "a", "said" and "the" used in this specification and the appended claims are also intended to include most forms unless the context clearly indicates other meanings. It should also be understood that the term "and/or" as used herein refers to and includes any or all possible combinations of one or more associated listed items.

It should be understood that although the terms first, second, third, etc. may be used to describe various information in this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of this specification, the first information may also be referred to as second information, and similarly, the second information may also be referred to as first information. Depending on the context, the word "if" as used herein may be interpreted as "when" or "when" or "in response to a determination".

In some application scenarios, medical insurance accounts can be divided into individual medical insurance accounts and integrated medical insurance accounts. The full name of the personal medical insurance account is called the basic medical insurance personal account, or personal account for short. Personal accounts are mainly used to record and store personal account funds, and are used for personal medical consumption as required. Personal accounts are usually used to pay for specific medical expenses of insured persons, including outpatient expenses incurred by designated medical institutions, drug purchase expenditures at designated retail pharmacies, inpatient hospitals at designated hospitals, and specific medical items such as outpatient services. Even personal accounts can be used to purchase other medical insurance. The medical insurance pool account fund belongs to all insured persons and is centrally managed by the social insurance agency and used uniformly. It is mainly used to pay medical expenses, surgical expenses, nursing expenses and basic examination expenses incurred by the insured persons. Regardless of whether it is a personal account or a pooled account, there are restrictions in the use process. When a fee is generated, whether the personal account or the pooled account can be used for payment can be judged and paid by the corresponding medical insurance system. For self-paid expenses that cannot be paid using medical insurance, consumers use other payment methods to pay their own expenses. Taking the case of going to a hospital as an example, when paying medical expenses, users need to show the social security card first, and the tolling staff uses the medical insurance system to calculate medical insurance expenses and out-of-pocket expenses. For medical insurance expenses, it can be deducted directly by the medical insurance system. For the out-of-pocket expenses, users pay by other payment methods. It can be seen that two payment methods are required to pay for a transaction, which is cumbersome and has low payment efficiency.

In view of this, the embodiments of the present specification provide a payment solution that can complete the mixed payment of medical insurance expenses and out-of-pocket expenses through a one-time payment. The embodiments of the payment scheme of this specification will be exemplified and explained below with reference to the drawings.

First, an example of the payment scheme is explained from an interactive perspective. As shown in FIG. 1, it is an application scenario diagram of a payment method according to an exemplary embodiment of this specification. In this application scenario, it may include a payment server and a medical insurance system. Further, it may also include a charging terminal and a user terminal. In one example, the user terminal may be installed with a client for interacting with the charging terminal and the payment server, for example, it may be a payment client. The payment server may be a server corresponding to the payment client. For example, the payment client may be Alipay, and the payment server may be a payment platform corresponding to Alipay. The medical insurance system may be a system for settlement processing and medical insurance fee payment processing. In the medical insurance system, a medical insurance reimbursement strategy for judging whether the expenses to be paid are medical insurance expenses or whether they include medical insurance expenses can be configured. For example, if payment is made between clinics, the medical insurance system can judge whether the registration fee corresponding to the transaction meets the conditions of the medical insurance reimbursement strategy. The specific strategy is determined by the medical insurance system and is not restricted here. The settlement process may be to use the medical insurance reimbursement strategy to determine the medical insurance expenses and out-of-pocket expenses to be paid. The charging end may be the end that charges the fee when the transaction occurs, or it may be understood as the end that provides the service. The charging end may be a sales end of a hospital, a product that can be consumed with a social security card (such as a medicine sales end, a medical insurance sales end), and so on. Correspondingly, the consumer can be the party that enjoys the service when the transaction occurs, and the consumer can be the patient, the drug buyer, the medical insurance buyer, and so on.

As shown in FIG. 2, it is a flowchart of a payment method according to an exemplary embodiment of this specification. The method includes:

In step 202, the payment server receives a transaction payment request, the transaction payment request includes at least: payer information, transaction information between the consumer and the charging terminal, and charging terminal information.

In step 204, the payment service terminal obtains the medical insurance payment card information corresponding to the payer information based on the preset binding relationship between the payer and the medical insurance payment card, and converts the medical insurance payment card information, transaction information and charging terminal The information is sent to the medical insurance system.

Among them, the medical insurance payment card may be a social insurance card, medical insurance card, etc. that can be used to insure medical-related expenses.

In step 206, the medical insurance system settles the transaction based on the received information, obtains the medical insurance fee and out-of-pocket fee for the transaction, executes payment processing to pay the medical insurance fee to the charging terminal based on the information of the charging terminal, and submits the payment service End feedback processing results;

In step 208, the payment server performs payment processing to pay the out-of-pocket fee to the charging terminal based on the processing result.

Regarding the transaction payment request, it may be a request for fee payment for a transaction occurring between the consumer and the charging terminal. The transaction payment request may be initiated by the charging terminal to the payment server, or may be initiated by other terminals to the payment server on behalf of the charging terminal.

For example, in an application scenario, the payer can use the payment client to display the payment code. After the payment terminal scans the payment code to obtain the payer information, it can send a transaction payment request to the payment server. In this application scenario, face-to-face payment equipment can be laid at the charging end to support medical insurance consumers to pay face-to-face for medical insurance.

In another application scenario, a medical insurance client and a medical insurance server can be configured for the Human Resources and Social Security Bureau. The medical insurance client is used to provide medical insurance online payment services. The payer can display the graphic code (such as a two-dimensional code) carrying the information of the medical insurance system through the medical insurance client. After the charging terminal obtains the information of the medical insurance system by scanning the graphic code, it can send the transaction-related information to the corresponding medical insurance server. The medical insurance client pushes the details of the to-be-paid fee, so that the page of the details of the to-be-paid fee is displayed on the medical insurance client. After monitoring the payment confirmation event, the medical insurance client can directly send the transaction payment request to the payment server, or send the transaction payment request to the payment server through the medical insurance server. Or, after monitoring the payment confirmation event, the medical insurance client notifies the charging terminal, and the charging terminal sends a transaction payment request to the payment server.

For the case where the payment terminal sends the transaction payment request to the payment server, in one embodiment, the payment server may provide a payment interface for the charging terminal. When this embodiment is applied in a face-to-face payment scenario, the payment interface may be a face-to-face payment interface. The method further includes: the charging terminal sends a transaction payment request to the payment server by invoking the payment interface of the payment server.

Wherein, the transaction payment request also carries a medical insurance payment identifier for indicating payment by medical insurance. The payment server can determine the cost of this transaction based on the medical insurance payment indicator and expect to pay with medical insurance. The charging terminal can also call the payment interface of the payment server to send a transaction payment request with a non-medical insurance payment identifier to the payment server. The non-medical insurance payment identifier is used to indicate that medical insurance is not used for payment, so that ordinary payment and medical insurance payment can be realized. Sharing the same payment interface, saving development costs. Since the payment server provides a payment interface for the consumer, both parties can also sign a sales plan.

In another embodiment, different payment interfaces are provided for ordinary payment and medical insurance payment. For example, the medical insurance payment interface provided by the payment server is used for related operations of medical insurance payment; the ordinary payment interface provided by the payment server is used for non-medical insurance payment Related operations. It can be seen that in this embodiment, the medical insurance payment interface and the non-medical insurance payment interface are used to distinguish whether the current payment belongs to medical insurance payment or ordinary payment, and there is no need to use parameters to distinguish.

The transaction payment request includes at least the information of the payer, the transaction information of the consumer and the charging end, and the information of the charging end.

Regarding the consumer and the payer, the consumer may be the party that provides the services provided by the charging end of the consumer, such as the doctor. The consumer information may be consumer identity information, for example, name, certificate type, certificate number, etc. The payer is the party that pays the fees incurred by the exchange. The payer information may be payer identity information, for example, a payment account number. Taking the payment code provided by the payment client as an example, the charging end can obtain the payment account number by scanning the payment code.

The consumer and the payer may be the same user or different users. In order to avoid the phenomenon of hedging and realize multiple precautions against hedging, in one embodiment, the transaction payment request also includes consumer information. In the medical insurance payment card information, transaction information and the charging end Before the information is sent to the medical insurance system, it also includes: determining that the consumer and the payer are the same user based on the payer information and consumer information. For example, it can be determined whether the consumer and the payer are the same user based on whether the information indicating the identity of the user in the payer information and the information indicating the identity of the user in the consumer are consistent. When the consumer and the payer are the same user, the medical insurance payment card information, transaction information, and charging terminal information are sent to the medical insurance system. If the consumer and the payer are not the same user, they can output a reminder message that the payment failed. The so-called output may be output to the charging terminal or output to the payment client. The reminder information can be information such as error codes and failure details.

It can be seen that this embodiment adds a judgment on whether the payer and the consumer are the same user, thereby avoiding the phenomenon of hedging.

Transaction information is information generated when a transaction occurs between the consumer and the charging end. Taking the application in the case of a doctor as an example, the transaction information may include: patient registration information, medical records, outpatient cost list, pre-settlement ID paid between clinics and other information. In practical applications, the consumer may not expect a part of the transaction information to be leaked. Therefore, the transaction information may include privacy encrypted information, which may also be called a medical insurance transparent transmission structure. The private encrypted information is information that encrypts the specified type of private information generated during the transaction, and the private information is information required by the medical insurance system for settlement. The charging terminal and the medical insurance system can agree in advance on the type of private information to be encrypted and the encryption algorithm. The information required at the time of settlement may include relevant information used to determine whether the transaction fee is a medical insurance fee. Some information in the transaction information does not need to be encrypted, for example, business serial number, business document number, etc., such transaction information can be directly carried in the transaction payment request.

The charging end may be a hospital, a sales end of a product that can be consumed with a medical insurance payment card (such as a medicine sales end, a medical insurance sales end), etc. The charging terminal information may be the identifier of the charging terminal, for example, it may be the name of the organization, the organization code, and so on.

After obtaining the transaction payment request, you can determine whether the payer indicated by the payer information is bound to the medical insurance payment card based on the payer information and the preset binding relationship between the payer and the medical insurance payment card. Card, the medical insurance payment card information corresponding to the payer information is obtained. If the payer is not bound to the medical insurance payment card, it will output a reminder of transaction failure, for example, send a reminder of transaction failure to the charging terminal and the payment client. Or, if the payer is not bound to a medical insurance payment card, it outputs a reminder of whether to pay at its own expense. For example, a reminder message for full self-paid payment is sent to the payment client for the user to choose whether to continue payment.

Payers and consumers are often judged in the medical insurance system to ensure that they are the same user. However, in practical applications, hedging may occur due to fraudulent identity of the consumer. In one embodiment, the card owner and payer of the medical insurance payment card in the binding relationship may also be restricted to be the same user, thereby further avoiding hedging Case.

In order to improve user operability, a binding service between the payer and the medical insurance payment card is also provided. In one embodiment, in order to save R&D costs, taking the interaction between the payment client and the payment terminal and the payment server as an example, the binding relationship between the payer and the medical insurance payment card can be configured on the payment client, and in order to ensure the cost The secondary binding is a legal binding, and the identity of the current operator can also be verified to improve the validity of the binding relationship. Specifically, the payment client can perform the following steps:

Make sure that the cardholder and payer of the medical insurance payment card are the same user;

Identity verification is performed on the current operator, and if the current operator is determined to be the user through verification, it is determined that the payer and the device guarantee card have a binding relationship.

Among them, the identity information of the card owner of the medical insurance payment card can be matched with the information of the payer, so as to determine whether the card owner and the paying party of the medical insurance payment card are the same user. The identity verification may include one or more of verification of the current operator's biometric information, verification of the entered personal privacy information, verification of the entered mobile phone verification code, and so on. The verification of the biometric information of the current operator may be face recognition, fingerprint recognition, and the like. The verification of the input personal privacy information may be to determine whether the input personal privacy information matches the standard personal privacy information of the user (payer). Personal privacy information can be ID card, mobile phone number, bank card number, etc. Further, when it is determined through verification that the current operator is the user, the payer and the device guarantee card can be sent to the payment service terminal to obtain the medical insurance payment card information of the user, and the payer information is stored Mapping relationship with medical insurance payment card information for users to query medical insurance payment card information. If the medical insurance payment card is a physical card, the binding service between the payer and the medical insurance payment card can also be used as a service for generating an electronic medical insurance payment card.

Taking the medical insurance payment card as a social security card as an example, as shown in FIG. 3, FIG. 3 is a schematic diagram of an electronic social security card generation process according to an exemplary embodiment of this specification. An electronic social security card generation service is added to the payment client. The payment client can be installed on mobile phones, tablets, and other user terminals. The user can open the electronic device card through the electronic social security card opening page provided by the payment client. In order to ensure that the current operator, the owner of the social security card and the payer are the same user, the information of the social security card and the payer can be matched, and the current operator can be authenticated. This example uses face recognition, live object detection and other means to verify the identity of the current operator. When it is determined that the collected person image is a live object and matches the pre-stored user image, the user's device card information is obtained to establish the payer Mapping relationship with social security card, and generate electronic social security card.

Combined with the fact that the transaction payment request also includes consumer information, when it is determined that the payer is bound to a medical insurance payment card, and the consumer and payer are determined to be the same user based on the payer information and consumer information, the medical insurance payment card information, transaction Information and toll information are sent to the medical insurance system.

Regarding how to send to the medical insurance system, if there is only one medical insurance system, the medical insurance payment card information, transaction information and charging terminal information will be directly sent to the medical insurance system. In some application scenarios, there may be multiple medical insurance systems. For example, a corresponding medical insurance system can be configured in each area. The division of regions can be based on prefecture-level cities. Correspondingly, in order to distinguish the medical insurance system, the transaction payment request can also carry the medical insurance system identification, for example, the medical insurance system identification can be the structure name of the medical insurance system party, organization code, etc. Use the medical insurance system logo to distinguish between different medical insurance systems. In step 204, the medical insurance payment card information, transaction information and the charging terminal information are sent to the medical insurance system, which may be that the medical insurance payment card information, transaction information and charging terminal information are sent to the medical insurance system corresponding to the medical insurance system identification .

In one embodiment, the payment service end may send the medical insurance payment card information, transaction information, and charging end information to the medical insurance system, and the medical insurance system directly performs settlement processing and medical insurance fee payment processing. For example, sending a settlement request carrying medical insurance payment card information and the transaction information to the medical insurance system, the medical insurance system settles the transaction based on the received information, and obtains the medical insurance fee and the out-of-pocket fee for the transaction based on the information on the charging end Perform payment processing to pay the medical insurance fee to the charging terminal, and feed back the processing result to the payment server.

In this embodiment, the medical insurance system directly performs settlement processing and payment processing of medical insurance costs, which can improve payment efficiency.

Regarding the payment processing of the medical insurance fee implemented by the medical insurance system, taking the medical insurance payment card as a social insurance card as an example, the payment processing of the medical insurance fee performed by the medical insurance system may be to deduct the corresponding fee from the medical insurance overall account or the personal medical insurance account to the charging end. This is not repeated one by one. The specific deduction of the medical insurance pooling account or individual medical insurance account can be determined by the medical insurance reimbursement strategy. In one embodiment, for the case of using a medical insurance personal account to pay for medical insurance costs, the payment client can also be used to remind the user to choose whether to use the medical insurance personal account to pay for medical insurance expenses, and then the medical insurance system determines whether to use the medical insurance personal account to pay for medical insurance expenses according to the selection result .

In some application scenarios, the user may wish to determine whether to use medical insurance payment based on the settlement result. In view of this, in another embodiment, the medical insurance system may also be used to perform pre-settlement and notify the payment server of the pre-settlement result. And only when the payer agrees to pay, the payment processing of the medical insurance system and the payment service of the payment service end will be performed to improve user operability and user experience. For example, after receiving the pre-settlement result, the payment server can send payment reminder information including medical insurance expenses and out-of-pocket expenses to the payment client, display the payment reminder information on the payment client, and feedback to the payment server based on the user's operation Confirm the payment instruction.

Regarding how to distinguish between pre-settlement and settlement tasks, in one example, pre-settlement and settlement can be distinguished by different requests. For example, using a pre-settlement request indicates that the medical insurance system is expected to perform pre-settlement processing, and a settlement request indicates that the medical insurance system is expected to perform settlement processing, and the pre-settlement request and the settlement request can be distinguished by different parameters. For example, the request including the preset pre-settlement identifier is a pre-settlement request, and the request including the preset pre-settlement identifier is a settlement request. Correspondingly, the transaction payment request also includes a medical insurance system identifier, and the method further includes: the payment server sends a pre-settlement request carrying the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system Identify the corresponding medical insurance system, and receive the medical insurance fee and self-paid fee of this transaction fed back by the medical insurance system, and send payment reminder information including medical insurance fee and self-paid fee to the payment client;

In this embodiment, the use of a pre-settlement request indicates that the medical insurance system is expected to perform pre-settlement processing, and the use of the settlement request indicates that the medical insurance system is expected to perform settlement processing.

In another example, pre-settlement and settlement can be distinguished through different interfaces provided by the medical insurance system. For example, the data transmitted through the pre-settlement interface indicates that the medical insurance system is expected to perform pre-settlement processing, and the data transmitted through the settlement interface indicates that the medical insurance system is expected to perform settlement processing. For example, the transaction payment request also includes a medical insurance system identifier, and the method further includes: the payment service end sends the medical insurance payment card information, transaction information, and charging terminal information to the The medical insurance system identifies the corresponding medical insurance system, and receives the medical insurance fees and self-paid expenses of this transaction fed back by the medical insurance system, and outputs payment reminder information including medical insurance expenses and self-paid expenses to the payment client;

The medical insurance system settles the transaction based on the medical insurance payment card information, transaction information, and charging terminal information to obtain the medical insurance fee and out-of-pocket expenses of the transaction. The specific settlement strategy is determined by the medical insurance system, and no restrictions are made here. If the medical insurance fee is not 0, the medical insurance fee can be deducted, and the payment result and details will be returned to the payment server. If the medical insurance payment is successful, you can decide whether to perform the payment processing to pay the out-of-pocket fee to the tolling end. Payment processing is the processing that controls the payment of the out-of-pocket fee from the payment terminal to the charging terminal. The specific processing method is similar to the payment method in the related art, and will not be repeated here. In one embodiment, the password-free quota set by the payment platform can be obtained, and when the self-paid fee is less than the password-free quota, the payment processing of paying the self-paid fee to the charging terminal can be directly executed; if the self-paid fee is greater than the password-free quota, the cash register can be used The desk page reminds the user to complete the payment. In another embodiment, the social security bureau may consider that direct payment has low security. Therefore, all amounts can be required to be confirmed by the user before payment processing can be performed. There is no need to judge the size of the out-of-pocket expenses and directly output whether the out-of-pocket expenses are paid. For payment reminder information, the user decides whether to proceed with payment.

In addition, in one embodiment, if the processing result indicates that the transaction cannot be paid using medical insurance, a reminder message of whether full self-pay is made is output. It can be seen that, when ensuring that medical insurance cannot be used, it can directly enter the processing process of full self-pay, without the user exiting the current order, which can improve the payment efficiency.

Correspondingly, this specification also exemplifies the payment method from the perspective of the payment server. As shown in FIG. 4, it is a flowchart of another payment method shown in this specification according to an exemplary embodiment. The method can be applied to For the payment server, the method includes:

In step 402, a transaction payment request is received, the transaction payment request includes at least: payer information, transaction information between the consumer and the charging terminal, and charging terminal information;

In step 404, based on the preset binding relationship between the payer and the medical insurance payment card, the medical insurance payment card information corresponding to the payer information is obtained, and the medical insurance payment card information, transaction information, and charging terminal information are sent to Medical insurance system for the medical insurance system to settle the transaction and pay for medical insurance fees based on the received information;

In step 406, according to the processing result fed back by the medical insurance system, payment processing to pay the out-of-pocket fee to the charging terminal is performed.

It can be understood that the related technologies in FIG. 4 and FIG. 2 are the same, and details are not described herein.

In one embodiment, the transaction payment request further includes consumer information. Before sending the medical insurance payment card information, transaction information, and the charging terminal information to the medical insurance system, the method further includes: according to the payment party information It is determined with the consumer information that the consumer and the payer are the same user.

In one embodiment, the transaction payment request further includes a medical insurance system identifier, and the method further includes: sending a pre-settlement request carrying the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system Identify the corresponding medical insurance system, and receive the medical insurance fee and self-paid expenses of this transaction fed back by the medical insurance system, and send payment reminder information including medical insurance expenses and self-paid expenses to the payment client. The sending of the medical insurance payment card information, transaction information and charging terminal information to the medical insurance system includes: carrying the medical insurance payment card information, transaction information and charges when receiving the payment confirmation instruction returned by the payment client The settlement request of the terminal information is sent to the medical insurance system corresponding to the medical insurance system identifier.

In one embodiment, the transaction payment request further includes a medical insurance system identification, and the method further includes: sending the medical insurance payment card information, transaction information, and charging terminal information to the The medical insurance system identifies the corresponding medical insurance system, and receives the medical insurance fee and self-paid expenses of the transaction fed back by the medical insurance system, and outputs payment reminder information including medical insurance expenses and self-paid expenses to the payment client. The sending of the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system includes: when receiving the payment confirmation instruction returned by the payment client, the medical insurance payment card is transferred by calling the settlement interface of the medical insurance system The information, transaction information and charging terminal information are sent to the medical insurance system corresponding to the medical insurance system identification.

In one embodiment, the method further includes: if it is determined that the payer is not bound to the medical insurance payment card based on the payer information and the preset binding relationship between the payer and the medical insurance payment card, outputting a reminder message that the transaction failed, or , To output reminder information on whether to make full self-pay.

In one embodiment, the method further includes: if the processing result indicates that the transaction cannot be paid using medical insurance for the transaction, outputting a reminder of whether to perform full self-pay.

The various technical features in the above embodiments can be combined arbitrarily, as long as there is no conflict or contradiction between the combinations of the features, but they are limited to space and are not described one by one, so the various technical features in the above embodiments can be combined at will It also belongs to the scope disclosed in this specification.

The following is an example to illustrate one of the combinations. Among them, the medical insurance payment card is used as an example.

As shown in FIG. 5A, it is a flowchart of another payment method according to an exemplary embodiment of the present specification. The method involves a payment client, a payment server, a charging terminal, and a medical insurance system. The method includes:

The payment client provides the payment code to the charging terminal (step 501).

The charging terminal obtains the payment code of the payment client, obtains the payer information based on the payment code (step 502), and sends a transaction payment request to the payment server (step 503). Wherein, the transaction payment request may include: payer information, transaction information between the consumer and the charging end, information on the charging end, a medical insurance system identifier, and a medical insurance payment identifier used to indicate payment by medical insurance.

If the payment server determines that the payer is bound to the social security card based on the preset binding relationship between the payer and the social security card, and determines that the consumer and payer are the same user based on the payer information and consumer information, the payment and payment The social security card information corresponding to the party information (step 504), and by calling the pre-settlement interface of the medical insurance system, the social security card information, transaction information, and charging terminal information are sent to the medical insurance system corresponding to the medical insurance system identification (step 505). In addition, if the payer is not bound to the social security card, or the consumer and the payer are not the same user, a reminder message of the transaction failure is sent to the payee and the pay client.

The medical insurance system settles the transaction based on the received information, obtains the medical insurance fee and the out-of-pocket expense of the transaction, and feeds back the medical insurance expense and the out-of-pocket expense to the payment server (step 506).

The payment server outputs payment reminder information including medical insurance expenses and out-of-pocket expenses to the payment client (step 507), and upon receiving the payment confirmation instruction returned by the payment client, by calling the settlement interface of the medical insurance system, the social security card information, The transaction information and the charging terminal information are sent to the medical insurance system corresponding to the identification of the medical insurance system (step 508).

The medical insurance system performs settlement processing and medical insurance fee payment processing on the transaction based on the received information, and feeds back the processing result to the payment server (step 509).

At the payment service end, if it is determined that the medical insurance payment is successful according to the processing result, payment processing to pay the out-of-pocket fee to the charging end is performed (step 510).

Correspondingly, if the out-of-pocket payment is successful, the payment service terminal returns the payment terminal order payment result and medical insurance payment result to the payment client. At the same time, you can also display the total amount of this order, self-paid amount, medical insurance amount on the successful payment page of the payment client, and you can also display the discounted amount (if there is a discount, if there is no discount, it will not be displayed). If the payment of the out-of-pocket expenses fails, the refund interface of the medical insurance system is called, the medical insurance system is notified to perform the refund operation, and the payment client and the charging terminal are notified of the payment failure.

As shown in FIG. 5B, it is an application scenario diagram of another payment method shown in this specification according to an exemplary embodiment. As shown in FIG. 5C, it is a schematic diagram of a payment client page according to an exemplary embodiment of this specification. In this application scenario, binding services and medical insurance payment services can be added to the original payment client. The user can enter the page including the payment code by clicking the "Go to code" button on the electronic social security card page. In other embodiments, the payment code button on the homepage of the payment client can also be used to enter the page that includes the payment code. The code scanning station scans the payment code, and transmits the scanned information to the charging terminal. After the payment terminal obtains the payment code, it can call the payment interface, pass in the payment barcode, the indicator indicating whether to pay by the medical insurance, the identity information of the patient (including name, certificate type, certificate number), the name of the hospital institution, the hospital institution code, and the pending medical insurance Settlement institution name and code, business serial number, business document number, medical insurance transparent transmission structure (mainly information such as user registration information or pre-settlement ID paid between clinics). The payment server judges whether the user is bound to the social security card. If the user is not bound to the social security card, it returns a transaction failure and gives the corresponding error code. If the social security card has been bound, it is determined whether the identity information of the patient is consistent with the real-name information of the payment client, and if they are consistent, the medical insurance payment transaction establishment step is entered. If they are inconsistent, the transaction fails and the corresponding error code is given. Regarding the creation of a medical insurance payment transaction, the payment server calls the pre-settlement interface of the medical insurance system, and sends information such as the institution code and medical insurance transparent transmission structure (registration details and inter-diagnosis pre-settlement ID) to the medical insurance system for pre-settlement. The medical insurance system performs pre-settlement and returns the required medical insurance payment amount and self-paid payment amount to the payment server. After the pre-settlement is completed, the payment server calls the settlement interface of the medical insurance system to send the information such as the institution code and medical insurance transparent transmission structure (registered detailed list or inter-diagnosis detailed ID) to the medical insurance system for settlement. The medical insurance system performs settlement, deducts the amount of the medical insurance account, and returns the medical insurance payment result and details to the payment server. If the medical insurance payment is successful, the self-pay amount will be paid and the agreement will be initiated for payment withholding. The face-to-face payment amount is judged according to the entire order amount. If the amount is exceeded, it will jump out of the cashier according to the face-to-face payment rule to complete the payment. If the self-pay payment is successful, the order payment is successful, and the hospital system order payment result and medical insurance payment result are returned. At the same time, the payment client's successful payment page displays the total amount of the order, self-pay amount, medical insurance amount, discount amount (if there is a discount, if there is no discount, it will not be displayed) and other information.

Corresponding to the foregoing embodiments of the payment method, this specification also provides embodiments of the payment device and the electronic device to which it is applied.

The embodiments of the payment device in this specification can be applied to computer equipment. The device embodiments may be implemented by software, or by hardware or a combination of hardware and software. Taking software implementation as an example, as a logical device, it is formed by the processor of the computer device where it is located reading the corresponding computer program instructions in the non-volatile memory into the memory and running. From a hardware perspective, as shown in FIG. 6, it is a hardware structure diagram of the computer equipment where the payment device is located in this specification, except for the processor 610, network interface 620, memory 630, and non-volatile memory shown in FIG. 6. In addition to 640, the computer device where the payment device 631 is located in the embodiment generally may include other hardware according to the actual function of the device, which will not be repeated here.

As shown in FIG. 7, it is a block diagram of a payment device according to an exemplary embodiment of the present specification. The device includes:

The request receiving module 72 is configured to: receive a transaction payment request, the transaction payment request includes at least: payer information, transaction information between the consumer and the charging terminal, and charging terminal information;

The information sending module 74 is used to: based on the preset binding relationship between the payer and the medical insurance payment card, obtain the medical insurance payment card information corresponding to the payer information, and convert the medical insurance payment card information, transaction information and charging end The information is sent to the medical insurance system for the medical insurance system to settle the transaction and pay the medical insurance fee based on the received information;

The fee payment module 76 is used to: perform payment processing to pay the out-of-pocket fee to the charging terminal according to the processing result fed back by the medical insurance system.

In one embodiment, the transaction payment request further includes consumer information, and the information sending module is further configured to: before sending the medical insurance payment card information, transaction information, and the charging terminal information to the medical insurance system, according to According to the payer information and consumer information, the consumer and payer are the same user.

In one embodiment, the transaction payment request further includes a medical insurance system identifier, and the information sending module 74 is specifically used to:

Send the pre-settlement request carrying the medical insurance payment card information, transaction information and charging terminal information to the medical insurance system corresponding to the medical insurance system identification, and receive the medical insurance fee and self-paid fee of this transaction fed back by the medical insurance system. The payment client sends payment reminder information including medical insurance expenses and out-of-pocket expenses;

When receiving the payment confirmation instruction fed back by the payment client, a settlement request carrying the medical insurance payment card information, transaction information, and charging terminal information is sent to the medical insurance system corresponding to the medical insurance system identification.

By calling the pre-settlement interface of the medical insurance system, the medical insurance payment card information, transaction information, and charging terminal information are sent to the medical insurance system corresponding to the medical insurance system identification, and the medical insurance fee and self-pay for this transaction fed back by the medical insurance system are received Expenses, output payment reminder information including medical insurance expenses and out-of-pocket expenses to the payment client;

When receiving the payment confirmation instruction fed back by the payment client, by calling the settlement interface of the medical insurance system, the medical insurance payment card information, transaction information, and charging terminal information are sent to the medical insurance system corresponding to the medical insurance system identification.

In one embodiment, the information sending module 74 is also used to:

As for the device embodiments, since they basically correspond to the method embodiments, the relevant parts can be referred to the description of the method embodiments. The device embodiments described above are only schematic, wherein the modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical modules, that is, may be located in One place, or can be distributed to multiple network modules. Some or all of the modules can be selected according to actual needs to achieve the objectives of the solution in this specification. Those of ordinary skill in the art can understand and implement without paying creative labor.

Correspondingly, the embodiments of the present specification also provide a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements the program to implement the following method:

The medical insurance system settles the transaction based on the received information, obtains the medical insurance fee and out-of-pocket fee of the transaction, executes payment processing to pay the medical insurance fee to the charging terminal based on the information of the charging terminal, and feeds back the processing result to the payment server;

The embodiments in this specification are described in a progressive manner. The same or similar parts between the embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant part can be referred to the description of the method embodiment.

Correspondingly, the embodiments of the present specification also provide a computer storage medium in which program instructions are stored, and the program instructions include:

Embodiments of this specification may take the form of computer program products implemented on one or more storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing program code. Computer-usable storage media include permanent and non-permanent, removable and non-removable media, and information storage can be achieved by any method or technology. The information may be computer readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to: phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices.

Those skilled in the art will easily think of other embodiments of this specification after considering the description and practicing the invention filed here. This specification is intended to cover any variations, uses, or adaptive changes of this specification. These variations, uses, or adaptive changes follow the general principles of this specification and include common general knowledge or customary technical means in the technical field not applied in this specification. . The description and examples are to be considered exemplary only, and the true scope and spirit of this description are pointed out by the following claims.

It should be understood that this specification is not limited to the precise structure that has been described above and shown in the drawings, and that various modifications and changes can be made without departing from the scope thereof. The scope of this description is limited only by the appended claims.

The above are only the preferred embodiments of this specification and are not intended to limit this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principles of this specification should be included in this specification Within the scope of protection.

Claims

A payment method, the method includes:

The payment service end receives a transaction payment request, the transaction payment request at least includes: payer information, transaction information between the consumer and the charging end, and charging end information;

The payment server acquires the medical insurance payment card information corresponding to the payment party information based on the preset binding relationship between the payment party and the medical insurance payment card, and sends the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system ;

The medical insurance system settles the transaction based on the received information, obtains the medical insurance fee and the out-of-pocket fee of the transaction, performs payment processing to pay the medical insurance fee to the charging terminal based on the information of the charging terminal, and feeds back the processing result to the payment server;

The payment server performs payment processing to pay the out-of-pocket fee to the charging terminal based on the processing result.
The method according to claim 1, further comprising: the charging end sends a transaction payment request to the payment service end by invoking a payment interface of the payment service end, the transaction payment request also carries a message indicating that the medical insurance is used for payment Medical insurance payment logo.
The method according to claim 1, wherein the transaction payment request further includes a medical insurance system identification, the method further comprises: the payment server sends a pre-settlement request carrying the medical insurance payment card information, transaction information, and charging terminal information To the medical insurance system corresponding to the medical insurance system identifier, and to receive the medical insurance fee and self-paid expenses of this transaction fed back by the medical insurance system, and send payment reminder information including medical insurance fees and self-paid expenses to the payment client;

The sending of the medical insurance payment card information, transaction information and charging terminal information to the medical insurance system includes: carrying the medical insurance payment card information, transaction information and charges when receiving the payment confirmation instruction returned by the payment client The settlement request of the terminal information is sent to the medical insurance system corresponding to the medical insurance system identifier.
The method according to claim 1, wherein the transaction payment request further includes a medical insurance system identification, the method further includes: the payment service end invoking the medical insurance payment card information, transaction information and charges by invoking the pre-settlement interface of the medical insurance system The terminal information is sent to the medical insurance system corresponding to the medical insurance system identifier, and the medical insurance fee and self-paid fee of this transaction fed back by the medical insurance system are received, and payment reminder information including the medical insurance fee and the self-paid fee is output to the payment client;

The sending of the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system includes: when receiving the payment confirmation instruction returned by the payment client, the medical insurance payment card is transferred by calling the settlement interface of the medical insurance system The information, transaction information and charging terminal information are sent to the medical insurance system corresponding to the medical insurance system identification.
The method according to any one of claims 1 to 4, the binding relationship between the payer and the medical insurance payment card is configured on the payment client, the method further comprising:

The payment client determines that the card owner and the payer of the medical insurance payment card are the same user; if the current operator is authenticated and the current operator is determined to be the user through verification, it is determined that the payer and the device guarantee card have a binding relationship.
A payment method, the method includes:

Receiving a transaction payment request, the transaction payment request includes at least: payer information, transaction information between the consumer and the charging terminal, and charging terminal information;

Based on the preset binding relationship between the payer and the medical insurance payment card, obtain the medical insurance payment card information corresponding to the payer information, and send the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system for The medical insurance system performs settlement processing and medical insurance fee payment processing on the transaction according to the received information;

According to the processing result fed back by the medical insurance system, payment processing to pay the out-of-pocket fee to the charging terminal is performed.
The method according to claim 6, wherein the transaction information includes private encrypted information, the private encrypted information is information that encrypts the specified type of private information generated during the transaction, and the private information is performed by the medical insurance system Information required at checkout.
According to the method of claim 6, the transaction payment request further includes consumer information, and before sending the medical insurance payment card information, transaction information, and the charging terminal information to the medical insurance system, the method further includes:

According to the payer information and the consumer information, it is determined that the consumer and the payer are the same user.
The method according to claim 6, wherein the transaction payment request further includes a medical insurance system identification, the method further comprises: sending a pre-settlement request carrying the medical insurance payment card information, transaction information, and charging terminal information to the Describe the medical insurance system corresponding to the medical insurance system, and receive the medical insurance fee and self-paid expenses of this transaction fed back by the medical insurance system, and send payment reminder information including medical insurance expenses and self-paid expenses to the payment client;

The sending of the medical insurance payment card information, transaction information and charging terminal information to the medical insurance system includes: carrying the medical insurance payment card information, transaction information and charges when receiving the payment confirmation instruction returned by the payment client The settlement request of the terminal information is sent to the medical insurance system corresponding to the medical insurance system identifier.
The method according to claim 6, wherein the transaction payment request further includes a medical insurance system identification, the method further comprises: sending the medical insurance payment card information, transaction information and charging terminal information by calling a pre-settlement interface of the medical insurance system To the medical insurance system corresponding to the medical insurance system identifier, and to receive the medical insurance fee and self-paid expenses of this transaction fed back by the medical insurance system, and output payment reminder information including medical insurance expenses and self-paid expenses to the payment client;

The sending of the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system includes: when receiving the payment confirmation instruction returned by the payment client, the medical insurance payment card is transferred by calling the settlement interface of the medical insurance system The information, transaction information and charging terminal information are sent to the medical insurance system corresponding to the medical insurance system identification.
The method according to any one of claims 6 to 10, further comprising:

If based on the payer information and the preset binding relationship between the payer and the medical insurance payment card, it is determined that the payer is not bound to the medical insurance payment card, and a reminder message of transaction failure is output, or a reminder message of whether full self-pay payment is output.
The method according to any one of claims 6 to 10, further comprising:

If the processing result indicates that this transaction cannot be paid using medical insurance, a reminder message indicating whether full self-pay is to be output is output.
A payment device, the device includes:

The request receiving module is used to: receive a transaction payment request, the transaction payment request at least includes: payer information, transaction information between the consumer and the charging terminal, and charging terminal information;

The information sending module is used to: based on the preset binding relationship between the payer and the medical insurance payment card, obtain the medical insurance payment card information corresponding to the payer information, and convert the medical insurance payment card information, transaction information and charging terminal information Send to the medical insurance system for the medical insurance system to settle the transaction and pay the medical insurance fee based on the received information;

The fee payment module is used to: perform payment processing to pay the out-of-pocket fee to the charging terminal according to the processing result fed back by the medical insurance system.
A computer device includes a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the following method when executing the program:

Receiving a transaction payment request, the transaction payment request includes at least: payer information, transaction information between the consumer and the charging terminal, and charging terminal information;

Based on the preset binding relationship between the payer and the medical insurance payment card, obtain the medical insurance payment card information corresponding to the payer information, and send the medical insurance payment card information, transaction information, and charging terminal information to the medical insurance system for The medical insurance system performs settlement processing and medical insurance fee payment processing on the transaction according to the received information;

According to the processing result fed back by the medical insurance system, payment processing to pay the out-of-pocket fee to the charging terminal is performed.