CN105096117A - Method for realizing medical-insurance personal account payment via mobile phone APP - Google Patents
Method for realizing medical-insurance personal account payment via mobile phone APP Download PDFInfo
- Publication number
- CN105096117A CN105096117A CN201510469457.1A CN201510469457A CN105096117A CN 105096117 A CN105096117 A CN 105096117A CN 201510469457 A CN201510469457 A CN 201510469457A CN 105096117 A CN105096117 A CN 105096117A
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- Prior art keywords
- medical insurance
- mobile phone
- terminal
- insurance card
- payment
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a method for realizing medical-insurance personal account payment via mobile phone APP. The method comprises that (1) a user confirms information with a terminal via a card; (2) the user verifies personal information to the terminal; (3) the terminal confirms identity via verification information and a payment platform; (4) the user is bound to the medical-insurance card via the terminal; and (5) personal account payment of the medical insurance card is carried out via a background system of the mobile phone APP. The method has the advantages that personal account payment without the medical insurance card is realized via the mobile phone APP, and when going to a doctor, the card holder can use the mobile phone APP to rapidly pay for medicine cost via the medical-insurance personal account needless of carrying the medical insurance card or queuing; and medical-insurance personal account payment is changed from offline to online, so that the card holder can uses the personal account of the medical insurance card to pay for the medicine cost via specific mobile phone APP, convenience is provided for payment in hospital, and queuing for payment is avoided or reduced.
Description
Technical field
The invention belongs to E-Payment technology, be specifically related to a kind of method being realized a medical insurance account payment by mobile phone A PP.
Background technology
A medical insurance card account pays, and namely medical insurance card holder is when medical service organ is sought medical advice or purchase medicine, can use the payment funding medical expenses in medical insurance card personal account.Medical insurance administrative authority is for the account fund safety of protection medical insurance card holder, current holder can only online lower use medical insurance card entity card to swipe the card on POS and input a medical insurance card account fund just can be used after password carries out authentication to come to pay medical costs, holder holds the cash desk that medical insurance snaps into the pharmacy of medical institutions or support medical insurance card; The medical insurance card that fee-collector uses holder to show is swiped the card in POS; Holder inputs medical insurance card payment cipher in POS; The consumer sale of holder is called from payment platform in POS backstage, and returns transaction results; Payment completes or failure.
This mode has much inconvenience, all must carry with medical insurance card when holder uses medical insurance card to pay at every turn, causes the possibility of losing to increase, and it is convenient not to use.
Summary of the invention
In order to solve the problems referred to above that prior art exists, the invention provides a kind of method being realized a medical insurance account payment by mobile phone A PP.After adopting the present invention that medical insurance card and specific mobile phone A PP account are bound by user, without the need to again swiping the card during payment medical expenses, directly just can be used the medical fee of the corresponding medical people of bound a medical insurance card account payment funding by this mobile phone A PP.
The technical solution adopted in the present invention is:
Realized a method for a medical insurance account payment by mobile phone A PP, its improvements are: described method comprises
(1) user holds and carries out validation of information with terminal; User is to the phone number of terminal input requirements bound object, and terminal receives subscriber phone number and is stored in doubly linked list, and sets up wireless communication link, sends short message verification code to described mobile phone A PP background system by this link;
(2) user carries out personal information checking to terminal;
(3) terminal carries out identity validation by authorization information and payment platform;
(4) user is bound by terminal and medical insurance card;
(5) carry out a medical insurance card account by mobile phone A PP background system to pay.
Preferably, what described step (1) comprised that staff holds user carries out identity validation containing the medical insurance card of personal identity card.
Preferably, described step (2) comprises
(2.1) terminal notifying reading medical insurance card information confirms;
(2.2) user is operated by terminal brush medical insurance card and inputs medical insurance card password and carries out identity validation.
Preferably, described step (3) comprises
(3.1) terminal is carried out information capture by self-built CA center to medical insurance card personal information and remaining sum and is sent to payment platform;
(3.2) payment platform carries medical insurance card personal information and remaining sum and payment platform database purchase corresponding informance and is sent to terminal to bundle cipher mode;
(3.3) end-on collection of letters breath is decrypted, and carries out authentication to information comparison;
(3.4) be verified, then medical insurance card information generated digital certificate and be issued to terminal.
Preferably, described step (4) comprises
(4.1) terminal demonstration user medical insurance card information, and the short message verification code that in pointing out user's input step (1), mobile phone A PP background system receives;
(4.2) user inputs short message verification code confirmation, and terminal sends the request of binding medical insurance card requires bound object mobile phone to user;
(4.3), after mobile phone A PP background system receives the binding medical insurance card request of terminal transmission, determine binding and its result is sent to terminal;
(4.4) terminal notifying medical insurance card binding success.
Preferably, described step (5) comprises
(5.1) user is paid by a mobile phone A PP background system choice for use medical insurance card account;
(5.2) mobile phone A PP background system have to payment platform transmit band needed for call the consumer sale request of the amount of money;
(5.3) user inputs payment cipher, and payment platform returns transaction results to mobile phone A PP background system;
(5.4) mobile phone A PP background system display payment result.
Preferably, the medical insurance card that described user holds personal identity card can only be bound with a phone number.
Preferably, after described user is bound by terminal and medical insurance card, the phone number of bound object in doubly linked list to be stored in terminal database and to inform that this phone number of other terminal is bound; The phone number of bound object in doubly linked list is then deleted by Bind Failed.
Preferably, described short message verification code is random six arabic numeral composition, and presetting in a minutes section is effective time limit.
Preferably, a described medical insurance card account pays successfully, and upgrade mobile phone A PP background system and payment platform user medical insurance card information state, it comprises the remaining remaining sum of consumer sale time, dealing money and user.
Beneficial effect of the present invention is:
The de-card of a medical insurance card account that present invention achieves on mobile phone A PP pays, and holder, when medical institutions seek medical advice, without the need to carrying with medical insurance card, without the need to queuing up, just can use a medical insurance card account to complete paying of medical expenses by mobile phone A PP efficiently.
A medical insurance account delivery operation process is transplanted on line by the present invention from line, make holder can use a medical insurance card account fund to pay medical costs on specific mobile phone A PP, facilitate the hospital personnel that see a doctor to pay the fees, avoid or reduce the phenomenons such as the payment that stands in a long queue occurring.
After medical insurance card and mobile phone A PP only need once be bound by holder, the payment funding medical expenses in a medical insurance card account just can be used on mobile phone, both fully play the purposes of holder's medical insurance card account fund, eliminate the worry must carried with medical insurance card when holder uses medical insurance card to pay the fees and stand in a long queue in medical service organ payment place especially.
Accompanying drawing explanation
Fig. 1 is a kind of method flow schematic diagram being realized a medical insurance account payment by mobile phone A PP provided by the invention.
Embodiment
As shown in Figure 1, the invention provides a kind of method being realized a medical insurance account payment by mobile phone A PP, idiographic flow is as follows:
1, user holds and carries out validation of information with terminal:
Staff carries out identity validation to the medical insurance card containing personal identity card that user holds;
User leads to the phone number of special POS input requirements bound object to mobile phone A PP doctor journey, POS receives subscriber phone number and is stored in doubly linked list, doubly linked list is positioned at POS internal storage region, and set up wireless communication link, send short message verification code by this link and lead in background system to mobile phone A PP doctor journey; Wherein, short message verification code is random six arabic numeral composition, and presetting in a minutes section is effective time limit.
2, user carries out personal information checking to terminal:
POS prompting brush medical insurance card;
POS user swipes the card for holder, and POS prompting holder inputs medical insurance card password.
3, terminal carries out identity validation by authorization information and payment platform:
Payment platform comprises medicare system, Unionpay's payment platform or other Third-party payment platform.
After holder inputs password, POS is carried out information capture by self-built CA center to medical insurance card personal information and remaining sum and is sent to payment platform;
Payment platform carries medical insurance card personal information and remaining sum and payment platform database purchase corresponding informance and returns medical insurance card two-sided information to POS to bundle cipher mode;
POS is decrypted payment platform feedack, carries out authentication to the medical insurance card personal information received and remaining sum and the comparison of payment platform database purchase medical insurance card individual corresponding informance;
Be verified, then medical insurance card information generated digital certificate and be saved to POS.
4, user is bound by terminal and medical insurance card:
POS display user medical insurance card number, and the mobile phone A PP pointing out the phone number that inputs in user's input step (1) corresponding cures journey leads to the short message verification code that background system receives;
After user inputs short message verification code confirmation, POS sends the request of binding medical insurance card and requires that the mobile phone A PP of bound object cures journey and leads in background system to user;
After mobile phone A PP doctor journey leads in background system the binding medical insurance card request receiving terminal transmission, determine binding and its result is sent to POS;
POS prompting medical insurance card binding success.
Wherein, after user is bound by POS and medical insurance card, the phone number of bound object in doubly linked list to be stored in POS database and to inform that this phone number of other POS is bound; The phone number of bound object in doubly linked list is then deleted by Bind Failed.
5, lead to background system by mobile phone A PP doctor journey and carry out a medical insurance card account payment:
User cures journey by mobile phone A PP leads to a choice for use medical insurance card account payment in background system;
Mobile phone A PP cure journey lead to background system have to payment platform transmit band needed for call the consumer sale request of the amount of money;
User inputs payment cipher, and payment platform processes consumer sale and will return transaction results and leads to background system to mobile phone A PP doctor journey;
Mobile phone A PP cures journey and leads to background system display payment result.
A medical insurance card account pays successfully, and upgrade mobile phone A PP background system and payment platform user medical insurance card information state, it comprises the remaining remaining sum of consumer sale time, dealing money and user.
The medical insurance card that in the present invention, user holds personal identity card can only be bound with a phone number.
The present invention is not limited to above-mentioned preferred forms; anyone can draw other various forms of products under enlightenment of the present invention; no matter but any change is done in its shape or structure; every have identical with the application or akin technical scheme, all drops within protection scope of the present invention.
Claims (10)
1. realized a method for a medical insurance account payment by mobile phone A PP, it is characterized in that: described method comprises
(1) user holds and carries out validation of information with terminal; User is to the phone number of terminal input requirements bound object, and terminal receives subscriber phone number and is stored in doubly linked list, and sets up wireless communication link, sends short message verification code to described mobile phone A PP background system by this link;
(2) user carries out personal information checking to terminal;
(3) terminal carries out identity validation by authorization information and payment platform;
(4) user is bound by terminal and medical insurance card;
(5) carry out a medical insurance card account by mobile phone A PP background system to pay.
2. a kind of method realizing a medical insurance account payment by mobile phone A PP according to claim 1, is characterized in that: described step (1) comprises staff and carries out identity validation to the medical insurance card containing personal identity card that user holds.
3. a kind of method realizing a medical insurance account payment by mobile phone A PP according to claim 1, is characterized in that: described step (2) comprises
(2.1) terminal notifying reading medical insurance card information confirms;
(2.2) user is operated by terminal brush medical insurance card and inputs medical insurance card password and carries out identity validation.
4. a kind of method realizing a medical insurance account payment by mobile phone A PP according to claim 1, is characterized in that: described step (3) comprises
(3.1) terminal is carried out information capture by self-built CA center to medical insurance card personal information and remaining sum and is sent to payment platform;
(3.2) payment platform carries medical insurance card personal information and remaining sum and payment platform database purchase corresponding informance and is sent to terminal to bundle cipher mode;
(3.3) end-on collection of letters breath is decrypted, and carries out authentication to information comparison;
(3.4) be verified, then medical insurance card information generated digital certificate and be saved to terminal.
5. a kind of method realizing a medical insurance account payment by mobile phone A PP according to claim 1, is characterized in that: described step (4) comprises
(4.1) terminal demonstration user medical insurance card information, and the short message verification code that in pointing out user's input step (1), mobile phone A PP background system receives;
(4.2) user inputs short message verification code confirmation, and terminal sends the request of binding medical insurance card requires bound object mobile phone to user;
(4.3), after mobile phone A PP background system receives the binding medical insurance card request of terminal transmission, determine binding and its result is sent to terminal;
(4.4) terminal notifying medical insurance card binding success.
6. a kind of method realizing a medical insurance account payment by mobile phone A PP according to claim 1, is characterized in that: described step (5) comprises
(5.1) user is paid by a mobile phone A PP background system choice for use medical insurance card account;
(5.2) mobile phone A PP background system have to payment platform transmit band needed for call the consumer sale request of the amount of money;
(5.3) user inputs payment cipher, and payment platform returns transaction results to mobile phone A PP background system;
(5.4) mobile phone A PP background system display payment result.
7. a kind of method realizing a medical insurance account payment by mobile phone A PP according to claim 1, is characterized in that: the medical insurance card that described user holds personal identity card can only be bound with a phone number.
8. a kind of method being realized a medical insurance account payment by mobile phone A PP according to claim 1, it is characterized in that: after described user is bound by terminal and medical insurance card, the phone number of bound object in doubly linked list to be stored in terminal database and to inform that this phone number of other terminal is bound; The phone number of bound object in doubly linked list is then deleted by Bind Failed.
9. a kind of method realizing a medical insurance account payment by mobile phone A PP according to claim 1, is characterized in that: described short message verification code is random six arabic numeral composition, and presetting in a minutes section is effective time limit.
10. a kind of method being realized a medical insurance account payment by mobile phone A PP according to claim 1, it is characterized in that: a described medical insurance card account pays successfully, upgrade mobile phone A PP background system and payment platform user medical insurance card information state, it comprises the remaining remaining sum of consumer sale time, dealing money and user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510469457.1A CN105096117A (en) | 2015-07-31 | 2015-07-31 | Method for realizing medical-insurance personal account payment via mobile phone APP |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201510469457.1A CN105096117A (en) | 2015-07-31 | 2015-07-31 | Method for realizing medical-insurance personal account payment via mobile phone APP |
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| CN105096117A true CN105096117A (en) | 2015-11-25 |
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| CN201510469457.1A Pending CN105096117A (en) | 2015-07-31 | 2015-07-31 | Method for realizing medical-insurance personal account payment via mobile phone APP |
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Cited By (6)
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| CN105678538A (en) * | 2016-01-12 | 2016-06-15 | 山大地纬软件股份有限公司 | A health care settlement mobile payment method based on bluetooth beacons and a system of the method |
| CN106023433A (en) * | 2016-05-11 | 2016-10-12 | 广州海鹚网络科技有限公司 | IC card applied on-line payment terminal and payment method thereof |
| CN106600267A (en) * | 2016-12-16 | 2017-04-26 | 广东华大互联网股份有限公司 | NFC-based medical care payment system and method |
| CN107292597A (en) * | 2017-05-26 | 2017-10-24 | 深圳医畅科技发展有限公司 | Medical method, mobile terminal and the storage device paid is realized based on social security card |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| CN109359963A (en) * | 2018-08-02 | 2019-02-19 | 阿里巴巴集团控股有限公司 | Medical insurance settlement method and device and electronic equipment |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105678538A (en) * | 2016-01-12 | 2016-06-15 | 山大地纬软件股份有限公司 | A health care settlement mobile payment method based on bluetooth beacons and a system of the method |
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| CN107292597A (en) * | 2017-05-26 | 2017-10-24 | 深圳医畅科技发展有限公司 | Medical method, mobile terminal and the storage device paid is realized based on social security card |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| CN109359963A (en) * | 2018-08-02 | 2019-02-19 | 阿里巴巴集团控股有限公司 | Medical insurance settlement method and device and electronic equipment |
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Application publication date: 20151125 |