CN105678538B - Medical insurance settlement mobile payment method and system based on Bluetooth beacon - Google Patents

Medical insurance settlement mobile payment method and system based on Bluetooth beacon Download PDF

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CN105678538B
CN105678538B CN201610018235.2A CN201610018235A CN105678538B CN 105678538 B CN105678538 B CN 105678538B CN 201610018235 A CN201610018235 A CN 201610018235A CN 105678538 B CN105678538 B CN 105678538B
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medical insurance
mobile client
bluetooth
data server
payment
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CN105678538A (en
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李庆忠
肖宗水
韩士堃
张敏
张艳东
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Dareway Software Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q50/00Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/22Social work or social welfare, e.g. community support activities or counselling services

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Abstract

The invention discloses a medical insurance settlement mobile payment method and a system thereof based on Bluetooth beacons, wherein the method comprises the following steps: a Bluetooth device arranged in a fixed-point pharmacy broadcasts a specific ID signal to the outside at intervals; the mobile client accesses the Bluetooth signal, acquires the ID signal and transmits the ID signal to the medical insurance data server, the medical insurance data server sends corresponding medicine service information to the mobile client according to the acquired ID signal, and the mobile client processes the medicine to be purchased; the medical insurance data server stores the information of the ginseng insurance people and is associated with the social security card; and the settlement terminal settles the medicine purchasing information processed by the mobile client and transmits the medicine purchasing information to the medical insurance data server, the medical insurance data server sends a payment message to the mobile client, and the mobile client transmits confirmation information to the medical insurance data server to answer the payment message.

Description

Medical insurance settlement mobile payment method and system based on Bluetooth beacon
Technical Field
The invention relates to the field of medical insurance settlement, in particular to a medical insurance settlement mobile payment method and system based on Bluetooth beacons.
Background
In recent years, information technologies characterized by the internet, cloud computing, big data, electronic commerce, ubiquitous networks, ubiquitous terminals, location positioning, and the like are making a profound influence on and change our lives. The 'internet plus' technology trend in the current situation is promoting the internetization of various industries, and in the fields of human resources and social security, the innovation achievement of the internet and the social business work are comprehensively fused, so that the public service capacity is increased as a guide, the public service mode is innovated, the public service supply is increased, the convenience service level is improved, and the new situation of 'internet plus social security' becomes the inevitable trend of the development of the human resources and the social security public service. The deep development of the mobile internet makes mobile payment a new explosive growth market, and as a more convenient payment method, the mobile internet has started to gradually take over the traditional social security card payment method.
As is known, payment in the field of human society is mainly medical insurance settlement payment carried out by a participant at a fixed-point medical institution, the related payment objects are numerous, the payment frequency is extremely high, and the social security card payment is one of the most main payment modes of medical insurance settlement payment. The social security card is a tool and a certificate issued by a department of human society and used for personal identity authentication, information inquiry, business transaction and financial service, stores personal medical insurance account information, is a unique carrier for personal medical insurance account consumption of a participator, is presented during settlement, reads personal information through a social security card reading device of a fixed-point medical institution, and completes uploading of related information and deduction of medical insurance accounts.
The social security card payment mode brings certain convenience to the life of the ginseng and insurance people, but has certain problems. Firstly, social security card payment requires a participant to carry a card with him, and a large number of cards with different types, different departments and different functions are held by the current individual, so that inconvenience in card management is caused, the loss of the social security card is easily caused, and even leakage of personal information and loss of account amount are caused. Secondly, the medical insurance account in the social security card is a 'hidden wealth' of an individual person, so that some fixed-point drugstores have the problems of illegal card swiping and the like.
Most importantly, the payment transaction connection of the payment mode is established complicatedly, and the payment process consumes much time; and the big data of payment is stored in the bank, so that the big data of payment is difficult to obtain for analysis and medicine layout in the pharmacy.
Disclosure of Invention
In order to solve the defects of the prior art, the invention provides a medical insurance settlement mobile payment method and a system thereof based on a Bluetooth beacon. The mobile payment method adopts the Bluetooth beacon technology, utilizes the intelligent mobile client to position, and realizes quick mobile payment in a fixed-point pharmacy by the direct communication between the mobile client and the medical insurance data server.
In order to achieve the purpose, the invention adopts the following technical scheme:
a medical insurance settlement mobile payment method based on Bluetooth beacons comprises the following steps:
a Bluetooth device arranged in a fixed-point pharmacy broadcasts a specific ID signal to the outside at intervals;
the mobile client accesses the Bluetooth signal, acquires the ID signal and transmits the ID signal to the medical insurance data server, the medical insurance data server sends corresponding medicine service information to the mobile client according to the acquired ID signal, and the mobile client processes the medicine to be purchased; the medical insurance data server stores the information of the insured persons, and the information of the insured persons is associated with the social security card;
and the settlement terminal settles the medicine purchasing information processed by the mobile client and transmits the medicine purchasing information to the medical insurance data server, the medical insurance data server sends a payment message to the mobile client, and the mobile client transmits confirmation information to the medical insurance data server to answer the payment message.
The process of accessing the Bluetooth signal by the mobile client comprises the following steps:
the method comprises the steps of Bluetooth searching, wherein a mobile client automatically searches Bluetooth signals sent by Bluetooth devices in a fixed-point pharmacy;
the mobile client performs pairing with a medical insurance payment beacon in the mobile client according to the searched Bluetooth signal, and the medical insurance payment beacon is communicated with the medical insurance data server;
the mobile client sets Bluetooth parameters and detects the Bluetooth state, and finally tests the Bluetooth signal intensity at different distances, and finally realizes the access of the mobile client to the Bluetooth signals.
The bluetooth parameters include a bluetooth name, a universally unique identifier, a primary value, a secondary value, a transmit power, and a broadcast frequency.
The state of the Bluetooth comprises an operating state, a transmitting frequency and signal strength.
And the medical insurance data server sends corresponding medicine service information to the mobile client through the mobile network.
And installing a payment program on the mobile client, authenticating the identity of the payer according to the instruction of the payer, and starting the payment program to respond to the payment message after the authentication is successful.
The payment message is automatically answered by the mobile client.
A medical insurance settlement mobile payment system based on Bluetooth beacons comprises:
the Bluetooth device is arranged in a fixed-point pharmacy and is used for broadcasting a specific ID signal to the outside at intervals;
the system comprises a mobile client and a medical insurance data server, wherein the mobile client is used for accessing a Bluetooth signal, acquiring an ID signal and transmitting the ID signal to the medical insurance data server, the medical insurance data server sends corresponding medicine service information to the mobile client according to the acquired ID signal, and the mobile client processes a medicine to be purchased; the medical insurance data server stores the information of the insured persons, and the information of the insured persons is associated with the social security card;
and the settlement terminal is used for settling the medicine purchasing information processed by the mobile client and transmitting the medicine purchasing information to the medical insurance data server, the medical insurance data server sends a payment message to the mobile client, and the mobile client transmits confirmation information to the medical insurance data server to answer the payment message.
The invention has the beneficial effects that:
(1) for the insured person, payment is completed through the mobile client under the condition that the insured person does not carry the social security card, the Bluetooth beacon technology is adopted, the intelligent mobile client is utilized for positioning, and the mobile client is directly communicated with the medical security data server to realize rapid mobile payment in a fixed-point pharmacy.
(2) For a fixed-point pharmacy, the payment method improves the settlement efficiency, saves the links of swiping the card, waiting for signature confirmation of card payment for the insured, and the like, and saves the payment time because the payment confirmation link is handed to the insured.
(3) For the department of human society, the big data of the mobile payment can be obtained by means of the mobile payment, so that the method is beneficial to providing refined information push and statistical analysis for the insured people and the pharmacy, and is also an important basis for the department of human society to carry out macroscopic analysis and supervision decision and further lay out the medicines in the pharmacy.
Drawings
Fig. 1 is a flow chart of the medical insurance settlement mobile payment method based on the bluetooth beacon.
Fig. 2 is a schematic structural diagram of the medical insurance settlement mobile payment system based on the bluetooth beacon.
Detailed Description
The invention is further illustrated by the following examples in conjunction with the accompanying drawings:
as shown in fig. 1, the mobile payment method for medical insurance settlement based on bluetooth beacon of the present invention includes:
a Bluetooth device arranged in a fixed-point pharmacy broadcasts a specific ID signal to the outside at intervals;
the mobile client accesses the Bluetooth signal, acquires the ID signal and transmits the ID signal to the medical insurance data server, the medical insurance data server sends corresponding medicine service information to the mobile client according to the acquired ID signal, and the mobile client processes the medicine to be purchased;
and the settlement terminal settles the medicine purchasing information processed by the mobile client and transmits the medicine purchasing information to the medical insurance data server, the medical insurance data server sends a payment message to the mobile client, and the mobile client transmits confirmation information to the medical insurance data server to answer the payment message.
Further, the process of accessing the bluetooth signal by the mobile client includes:
the method comprises the steps of Bluetooth searching, wherein a mobile client automatically searches Bluetooth signals sent by Bluetooth devices in a fixed-point pharmacy;
the mobile client performs pairing according to the searched Bluetooth signal and a medical insurance payment beacon in the mobile client, and the medical insurance payment beacon is communicated with the medical insurance data server;
the mobile client sets Bluetooth parameters and detects the Bluetooth state, and finally tests the Bluetooth signal intensity at different distances, and finally realizes the access of the mobile client to the Bluetooth signals.
Wherein the bluetooth parameters include a bluetooth name, a universally unique identifier, a primary value, a secondary value, a transmit power, and a broadcast frequency.
The state of the Bluetooth comprises an operating state, a transmitting frequency and signal strength.
And the medical insurance data server sends corresponding medicine service information to the mobile client through the mobile network.
And installing a payment program on the mobile client, authenticating the identity of the payer according to the instruction of the payer, and starting the payment program to respond to the payment message after the authentication is successful.
In addition, the payment message may be automatically answered by the mobile client.
As shown in fig. 2, the structure of the payment system based on the mobile payment method of the present invention: the method comprises the following steps:
the Bluetooth device is arranged in a fixed-point pharmacy and is used for broadcasting a specific ID signal to the outside at intervals;
the system comprises a mobile client and a medical insurance data server, wherein the mobile client is used for accessing a Bluetooth signal, acquiring an ID signal and transmitting the ID signal to the medical insurance data server, the medical insurance data server sends corresponding medicine service information to the mobile client according to the acquired ID signal, and the mobile client processes a medicine to be purchased; the medical insurance data server stores the information of the ginseng insurance people and is associated with the social security card;
and the settlement terminal is used for settling the medicine purchasing information processed by the mobile client and transmitting the medicine purchasing information to the medical insurance data server, the medical insurance data server sends a payment message to the mobile client, and the mobile client transmits confirmation information to the medical insurance data server to answer the payment message.
Wherein, the functions of the mobile client comprise:
(1) message management, which is used for managing the received messages and comprises message viewing and message deleting;
(2) the personal basic information checking is used for checking personal basic information, including name, gender, identification card number, birth date and social security card number;
(3) medicine purchasing, which initiates a medicine purchasing notice and enables a fixed-point pharmacy to display the information of the personnel;
(4) medicine purchase payment for medical insurance settlement mobile payment;
(5) inquiring the medical insurance account, wherein the inquiry is used for checking the balance of the medical insurance account and checking consumption records, including consumption time, consumption place and consumption amount;
(6) and setting management, including social security card binding, payment setting and message setting functions. The social security card binding is used for setting social security card binding and is bound with the medical insurance payment beacon application through the social security card number and the corresponding bank account number;
payment setting, wherein payment modes including password payment and other payment modes are set, and a payment password can also be set; and the message setting is used for setting whether to receive the message pushed to the application.
The settlement terminal has the functions of: and displaying the current information of the staff in the store, and realizing the input of the medicine information, the uploading of the order information and the receiving of the notification information.
(1) The current store personnel information is used for viewing store user information, including name, social security card number, store-entering time, store-in time and leaving time;
(2) the detail recording function is used for recording the information of the medicines purchased by the store user into the system to form a personal order;
(3) the order uploading function is used for uploading the formed medicine purchasing order to the medical insurance payment background management system;
(4) and the information receiving function is used for receiving information pushed by the medical insurance payment background management system, and the information comprises a payment result and notification information.
The medical insurance data server is deployed in a local internal system of a human society, and is transmitted to a corresponding pharmacy according to the position information of an individual, so that the settlement of the medicine purchasing fee is realized, the deduction of a personal account is realized, and the service is provided for the individual and the pharmacy based on the big data accumulated in the medicine purchasing process.
The functions of the medical insurance data server comprise:
user allocation; informing pushing; the charge is deducted, and the charge is automatically deducted from the medical insurance account of the insured person according to the checked medicine purchasing charge; and big data analysis for statistical analysis by using big data generated and deposited in the processes of medicine purchasing, settlement and payment.
Although the embodiments of the present invention have been described with reference to the accompanying drawings, it is not intended to limit the scope of the present invention, and it should be understood by those skilled in the art that various modifications and variations can be made without inventive efforts by those skilled in the art based on the technical solution of the present invention.

Claims (6)

1. A medical insurance settlement mobile payment method based on Bluetooth beacons is characterized by comprising the following steps:
a Bluetooth device arranged in a fixed-point pharmacy broadcasts a specific ID signal to the outside at intervals;
the mobile client accesses the Bluetooth signal, acquires the ID signal and transmits the ID signal to the medical insurance data server, the medical insurance data server sends corresponding medicine service information to the mobile client according to the acquired ID signal, and the mobile client processes the medicine to be purchased; the medical insurance data server stores the information of the insured persons, and the information of the insured persons is associated with the social security card;
the settlement terminal settles the medicine purchasing information processed by the mobile client and transmits the medicine purchasing information to the medical insurance data server, the medical insurance data server sends a payment message to the mobile client, and the mobile client transmits a confirmation message to the medical insurance data server to answer the payment message;
the process of accessing the Bluetooth signal by the mobile client comprises the following steps:
the method comprises the steps of Bluetooth searching, wherein a mobile client automatically searches Bluetooth signals sent by Bluetooth devices in a fixed-point pharmacy;
the mobile client performs pairing with a medical insurance payment beacon in the mobile client according to the searched Bluetooth signal, and the medical insurance payment beacon is communicated with the medical insurance data server;
the mobile client sets Bluetooth parameters and detects the Bluetooth state, and finally tests the Bluetooth signal intensity at different distances to finally realize the access of the mobile client to the Bluetooth signals;
and installing a payment program on the mobile client, authenticating the identity of the payer according to the instruction of the payer, and starting the payment program to respond to the payment message after the authentication is successful.
2. The Bluetooth beacon-based medical insurance settlement mobile payment method of claim 1, wherein the Bluetooth parameters include a Bluetooth name, a universally unique identifier, a primary value, a secondary value, a transmission power, and a broadcasting frequency.
3. The method as claimed in claim 1, wherein the bluetooth beacon-based mobile payment method for medical insurance settlement is characterized in that the bluetooth status includes working status, transmission frequency and signal strength.
4. The medical insurance settlement mobile payment method based on the Bluetooth beacon as claimed in claim 1, wherein the medical insurance data server sends corresponding medicine service information to the mobile client through a mobile network.
5. The Bluetooth beacon-based medical insurance settlement mobile payment method of claim 1, wherein the payment message is automatically answered by the mobile client.
6. A medical insurance settlement mobile payment system based on Bluetooth beacons, comprising:
the Bluetooth device is arranged in a fixed-point pharmacy and is used for broadcasting a specific ID signal to the outside at intervals;
the system comprises a mobile client and a medical insurance data server, wherein the mobile client is used for accessing a Bluetooth signal, acquiring an ID signal and transmitting the ID signal to the medical insurance data server, the medical insurance data server sends corresponding medicine service information to the mobile client according to the acquired ID signal, and the mobile client processes a medicine to be purchased; the medical insurance data server stores the information of the insured persons, and the information of the insured persons is associated with the social security card;
the settlement terminal is used for settling the medicine purchasing information processed by the mobile client and transmitting the medical insurance data server, the medical insurance data server sends a payment message to the mobile client, and the mobile client transmits confirmation information to the medical insurance data server to answer the payment message;
the process of accessing the Bluetooth signal by the mobile client comprises the following steps:
the method comprises the steps of Bluetooth searching, wherein a mobile client automatically searches Bluetooth signals sent by Bluetooth devices in a fixed-point pharmacy;
the mobile client performs pairing with a medical insurance payment beacon in the mobile client according to the searched Bluetooth signal, and the medical insurance payment beacon is communicated with the medical insurance data server;
the mobile client sets Bluetooth parameters and detects the Bluetooth state, and finally tests the Bluetooth signal intensity at different distances to finally realize the access of the mobile client to the Bluetooth signals;
and installing a payment program on the mobile client, authenticating the identity of the payer according to the instruction of the payer, and starting the payment program to respond to the payment message after the authentication is successful.
CN201610018235.2A 2016-01-12 2016-01-12 Medical insurance settlement mobile payment method and system based on Bluetooth beacon Active CN105678538B (en)

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CN106652257A (en) * 2016-11-29 2017-05-10 杭州东方通信软件技术有限公司 Supervision system and supervision method
CN112734585B (en) * 2021-01-25 2024-05-31 联仁健康医疗大数据科技股份有限公司 Prediction method, prediction device, prediction equipment and prediction storage medium for medical insurance fund expenditure

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CN101067854A (en) * 2007-06-06 2007-11-07 何志军 Accounts closing system capable of saving time for customer
CN104507162A (en) * 2014-12-26 2015-04-08 重庆金瓯科技发展有限责任公司 Binding relationship based Bluetooth beacon data service system
CN104636975A (en) * 2015-02-06 2015-05-20 山大地纬软件股份有限公司 Device and method for routing cross-region medical insurance account settlement order
CN104992263A (en) * 2015-05-28 2015-10-21 武汉光冕网络科技传媒有限公司 Wireless-network-based medical insurance management system and method
CN105096117A (en) * 2015-07-31 2015-11-25 广东天泽阳光康众医疗投资管理有限公司 Method for realizing medical-insurance personal account payment via mobile phone APP

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