CN107194679A - Online credit payment system and method for payment based on medical insurance real-time credit - Google Patents
Online credit payment system and method for payment based on medical insurance real-time credit Download PDFInfo
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- CN107194679A CN107194679A CN201710361014.XA CN201710361014A CN107194679A CN 107194679 A CN107194679 A CN 107194679A CN 201710361014 A CN201710361014 A CN 201710361014A CN 107194679 A CN107194679 A CN 107194679A
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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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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Abstract
The application provides a kind of online credit payment system and method for payment based on medical insurance real-time credit, and when solving that user is medical in the prior art, payment times are more, the technical problem of consultation time length.The payment system of the application includes mobile terminal, payment platform, HI center information management system and hospital information system, and mobile terminal provides subscriber identity information to payment platform；Payment platform asks the accrediting amount of the medical insurance card remaining sum based on user to HI center information management system, and locks the amount of money that user's medical insurance card corresponds to the accrediting amount；Payment platform indicates that the user opens credit payment to hospital information system, and the user the accrediting amount；Hospital information system checks whether the accrediting amount meets execution doctor's advice requirement according to doctor's advice；Hospital information system is that the user performs doctor's advice.Reimbursement of expense of the application for user when medical.
Description
Technical field
The application is related to online credit payment system and method for payment based on medical insurance real-time credit.
Background technology
The means of payment of conventional hospital is generally divided under line and swipes the card and pay in cash, due to the checking of change, small change and brush
The operations such as card confirmation, often result in queuing of patients, have impact on medical experience.In recent years, with Internet technology development and
People pay the change of custom, have emerged the solution of some on-line payment diagnosis and treatment expenses, this kind of scheme generally requires user
It is registered as after member, selection Alipay, wechat or bank net carry out on-line payment, diagnosis and treatment clothes can be just enjoyed after the completion of payment
Business.This kind of scheme serves certain effect to the medical efficiency of lifting, is approved by many young users.
Favored in addition, the on-line payment service under conventional hospital scene is typically compared by young man, most of person in middle and old age
People or the user of low developed area can not still enjoy this kind of emerging means of payment due to the shortage to internet knowledge, because
This is caused more is limited to using crowd.On the other hand, between examining, doctor writes a prescription product, chemical examination and medical etc. across section office every time
Scene, which is required to pay completion respectively, can just carry out next step operation, cause increasing for payment times, especially in emergency treatment, pair when
Between each minute waste irremediable influence is all likely to result on Case treatment.
Social security department or insurance company establish HI center information management system, for managing insurance fund, and
The service such as Claims Resolution, payment is provided for citizen or the user that insures.
The content of the invention
The scheme that the application is mentioned, is the innovation to the payment scheme of prior art, based on medical insurance real-time credit, makes user
Enjoy experience of more easily going to a doctor.
The purpose of the application is offer a kind of online credit payment system and method for payment based on medical insurance real-time credit,
When for solution, user is medical in the prior art, payment times are excessive, the technical problem of consultation time length.
To reach above-mentioned purpose, the online credit payment method based on medical insurance real-time credit of the application uses following technology
Scheme：
A kind of online credit payment method based on medical insurance real-time credit, including：Mobile terminal, use is provided to payment platform
Family identity information；Payment platform asks the accrediting amount of the medical insurance card remaining sum based on user to HI center information management system,
And lock the amount of money that user's medical insurance card corresponds to the accrediting amount；Payment platform indicates that the user opens letter to hospital information system
With the accrediting amount of payment, and the user；Hospital information system checks whether the accrediting amount is full according to doctor's advice to be opened
Podiatrist advises requirement；Hospital information system is that the user opens doctor's advice；Mobile terminal confirms to pay with execution doctor's advice to payment platform
Related expense；And payment platform is completed in response to reimbursement of expense, indicate to release described to HI center information management system
The locking of the designated amounts of the medical insurance card of user.
Alternatively, hospital information system records the medical insurance card information and the accrediting amount of the user.
Alternatively, if HI center information management system refers to after locking user's medical insurance card corresponds to the amount of money of the accrediting amount
The instruction unlocked of payment platform is not received in fixing time, then HI center information management system is terminated to the user's
This service.
Alternatively, if hospital information system is specified after the accrediting amount is obtained does not open doctor's advice in the time, HI center letter
Cease management system and release the locking to the medical insurance card of the user.
Alternatively, hospital information system is according to doctor's advice, when checking whether the accrediting amount meets doctor's advice requirement, in response to
The charging item amount of money of doctor's advice is more than the accrediting amount, payment platform request Third-party payment, request HI center information management system
The additional accrediting amount of system applies for the accrediting amount again to HI center information management system.
Alternatively, hospital information system is according to doctor's advice, when checking whether the accrediting amount meets doctor's advice requirement, in response to
The charging item amount of money of doctor's advice is less than the accrediting amount, and hospital information system is that the user opens doctor's advice.
Alternatively, hospital information system updates the accrediting amount according to the charging item amount of money of doctor's advice.
Alternatively, hospital information system checks whether the accrediting amount after updating meets second according to the second doctor's advice
Doctor's advice requirement；And hospital information system is that the user opens the second doctor's advice.
Alternatively, payment platform sends settlement information to mobile terminal, and mobile terminal is responded to payment platform clearing are indicated
In the instruction to clearing of mobile terminal, payment platform request HI center information management system payment, payment platform is also responsive to
In HI center information management system to paying successful instruction, hospital information system is notified, payment platform is also asked in medical insurance
Heart information management system unlocks the medical insurance card account of the user.
Alternatively, methods described also includes：Payment platform lifts letter of the medical insurance card account in payment platform of the user
Use grade.
Alternatively, before mobile terminal indicates clearing to payment platform, hospital information system, which records the user, to be present not
Clearing project.
Alternatively, methods described also includes：Payment platform turns down the credit grade of the user.
Alternatively, methods described also includes：What payment platform recorded that the user is present does not settle accounts project.
Alternatively, in addition to：The user profile for the user that payment platform is provided in response to mobile terminal, identification is described
User, which exists, does not settle accounts project, refuses to ask the accrediting amount to HI center information management for the user.
Alternatively, in addition to：The user profile for the user that hospital information system is provided in response to payment platform, identification
The user, which exists, does not settle accounts project, refuses to open doctor's advice for the user.
Alternatively, HI center information management system corresponds to credit in response to payment platform request locking user medical insurance card
The amount of money of amount, when the unblocked amount of money of the medical insurance card account of the user is more than the accrediting amount, is carried to payment platform
For the accrediting amount, and lock the amount of money corresponding to the provided accrediting amount.
The online credit payment method based on medical insurance real-time credit of the application, shortens the consultation time of patient, mitigates
The workload of hospital, while more people can be made to enjoy experience of efficiently easily going to a doctor, in emergency treatment, won for rescue
Time.
The application also proposes a kind of online credit payment system based on medical insurance real-time credit, including mobile terminal, payment
Platform, HI center information management system and hospital information system, mobile terminal, payment platform, HI center information management system
By network connection between system and hospital information system, mobile terminal provides subscriber identity information to payment platform；Payment platform
The accrediting amount of the medical insurance card remaining sum based on user is asked to HI center information management system, and locks user's medical insurance card correspondence
In the amount of money of the accrediting amount；Payment platform indicates that the user opens credit payment, and the user to hospital information system
The accrediting amount；Hospital information system checks whether the accrediting amount meets execution doctor's advice requirement according to doctor's advice；Information for hospital
System is that the user performs doctor's advice；Mobile terminal confirms to pay the expense related with doctor's advice is performed to payment platform；And branch
Pay platform response to complete in reimbursement of expense, indicate to release specifying for the medical insurance card of the user to HI center information management system
The locking of the amount of money.
Alternatively, the accrediting amount based on medical insurance card remaining sum is less than medical insurance card remaining sum.
Brief description of the drawings
, below will be to embodiment or existing in order to illustrate more clearly of the embodiment of the present application or technical scheme of the prior art
There is the accompanying drawing used required in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments described in application, for those of ordinary skill in the art, can also obtain other according to these accompanying drawings
Accompanying drawing.
Fig. 1 is the block diagram of the online credit payment system based on medical insurance real-time credit according to the embodiment of the present application；And
Fig. 2 is the flow chart of the online credit payment method based on medical insurance real-time credit according to the embodiment of the present application.
Embodiment
With reference to the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Ground is described, it is clear that described embodiment is a part of embodiment of the invention, rather than whole embodiments.Based on the present invention
In embodiment, the every other implementation that those of ordinary skill in the art are obtained under the premise of creative work is not made
Example, belongs to the scope of protection of the invention.
Embodiment one
Fig. 1 is the block diagram of the online credit payment system based on medical insurance real-time credit according to the embodiment of the present application.Such as Fig. 1
Shown, payment system includes mobile terminal 1, payment platform 2, HI center information management system 3 and hospital information system
(Hospital Information System, HIS) 4, mobile terminal 1, payment platform 2, HI center information management system 3
Pass through network connection between hospital information system 4.Network can be cable network or wireless network.
User or the patient seen a doctor in hospital use mobile terminal 1, and the hospital for providing medical services for patient uses hospital
Information system 4 is interacted with mobile terminal 1.Payment platform 2 represents user by HI center information management system based on user's
Medical insurance obtains credit line, and makes guarantee to hospital information system 4, so that hospital information system 4 is providing a user medical treatment
During service, no longer require that user pays expense repeatedly.And payment platform 2 also aids in user and completes to cure to hospital information system 4
Treat the clearing of service fee.Mobile terminal 1 is the mobile phone of such as user.
As a kind of application scenarios, user logs in payment platform 2 to be seen a doctor to hospital by the mobile terminal 1 of itself, to
Payment platform 2 applies for the accrediting amount.In order to apply for and use the accrediting amount, user is also complete in payment platform 2 by mobile terminal 1
Into signing, to open credit payment service.Alternatively, user before going to the hospital, payment platform 2 is logged in by mobile terminal 1.
Even if user uses mobile phone because of sick inconvenience, also by the relatives of user user can be replaced to log in payment platform 2 by mobile terminal 1.
Payment platform 2 locks the medical insurance card of user to HI center information management system 3, and based on user's medical insurance card
Remaining sum, provides the user the accrediting amount less than medical insurance card remaining sum, and informs to hospital information system 4 accrediting amount of user.
User indicates identity using medical insurance card during hospital sees a doctor to hospital information system 4, by the existing diagnosis and treatment of hospital
Flow is that user issues one or more prescriptions and provides medical services.User need not have a prescription priced, pay the bill for each prescription, you can enjoy
By medical services.Hospital information system 4 is based upon the accrediting amount of user's acquisition, in the range of the accrediting amount, does not require user
Pay the bill and provide the user medical services.
After user terminates whole diagnosis and treatment flow, general mobile terminal 1 indicates that payment platform 2 is paid the bill.Payment platform 2 is taken up a job as a doctor
Institute's information system 4 obtains all bills of user, determines amount payable, and ask HI center information management system 3 to hospital
Information system 4 is paid the bill.
Usually, user provides its medical insurance card information to mobile terminal 1, and the accrediting amount of mobile terminal 1 request is less than
The medical insurance card remaining sum of user.
Signing in the embodiment of the present application refers to user (for example, medical insurance card owner), payment platform 2, hospital information system 4
Between the electronic protocol signed, represent that related side's authority to pay platforms 2 such as user, hospital represent related side and implemented according to the application
The service of embodiment.Finger of hereinafter terminating an agreement releases above-mentioned agreement.
As an example, during seeing a doctor, user can repeatedly be interacted with hospital.Such as, see a doctor process include register, door
Examine, blood count, have an injection, interrogation, the link such as write a prescription.In the prior art, each link, is required for patient to go to corresponding section office, asks doctor
Open doctor's advice, then related doctor's advice is just performed after paying the fees.In embodiments herein, payment platform 2 is provided to hospital information system 4
Credit payment is serviced, similar to guarantee services so that patient need not pay the fees in each link seen a doctor.But, it is flat by paying
Platform 2 makes promise to hospital information system 4, and hospital information system 4 is implemented to see a doctor process.During seeing a doctor, user can not
Any expense of actual delivery.And during seeing a doctor, payment platform 2 is not also paid to hospital information system 4.Information for hospital system
The accrediting amount for the user that system 4 is provided based on payment platform 2, in the accrediting amount, directly opens doctor's advice and/or performs doctor's advice, and
Record the bill occurred because performing doctor's advice.Alternatively, if performing of a high price, such as credit volume beyond user of doctor's advice
Degree, hospital information system 4 can notify the user that or third party's payment or the supplement accrediting amount.Third party can be the parent of such as user
Category, or the paying party that user specifies.Alternatively, the request HI center of payment platform 2 information management system 3 is hospital information system
4 provide the accrediting amount of user.
Alternatively, for one or more doctor's advices, user inquires about order contents and price by mobile terminal 1, and optional
Select execution doctor's advice or do not perform doctor's advice.Refuse to perform the instruction of doctor's advice to user (for example, by paying in response to mobile terminal 1
Platform 2), 4 pairs of doctor's advices of hospital information system disregard the bill of access customer.
Still alternatively, if the doctor's advice amount of money is more than the accrediting amount, the refusal of hospital information system 4 issues doctor's advice, and notifies
User-pay, by third party pay the bill or supplement the accrediting amount.If the doctor's advice amount of money is less than or equal to the accrediting amount, hospital's letter
Breath system 4 issues doctor's advice.User directly goes to corresponding section office to perform doctor's advice according to doctor's advice.Alternatively, corresponding section office are based on user's
Medical insurance card is that user performs doctor's advice.Still alternatively, each section office perform doctor based on the user profile that mobile terminal 1 is indicated for user
Advise.
In user, user holds medical insurance card medical treatment, and such as carrying medical insurance card is registered by conven-tional channels (supports medical insurance to hang
Number platform or scene register), after through doctor's interrogation, doctor opens doctor's advice (including medicine, inspection, inspection etc.).Afterwards, user
Cash desk need not be gone to pay the fees, directly go to corresponding section office to perform doctor's advice.
Exemplarily, user sees a doctor to hospital.Medical project includes registering, outpatient service, blood count and write a prescription.Register, outpatient service
Expense with three projects of blood count is less, less than the accrediting amount, and hospital information system 4 is based on the accrediting amount and performs correlation enough
Operation.When writing a prescription, due to costly, the accrediting amount of user is not enough, and the refusal of hospital information system 4 issues doctor's advice or execution
Doctor's advice.Now, user can go to the pharmacy of hospital to pay the fees, buy medicine by way of prior art.And user is also by paying
Platform 2 settle accounts register, the expense of outpatient service and blood count.
Terminate in the process of seeing a doctor of user or stage terminates (for example, 1 day terminates), user is carried out by mobile terminal 1
Disbursement and sattlement.For example, user indicates that payment platform 2 is requested for payment to HI center information management system 3 by mobile terminal 1.
Or, user is paid the bill by the on-line payment service of mobile terminal 1 to payment platform 2, and from payment platform 2 to information for hospital system
System 4 is paid the bill.Alternatively, payment platform 2 also records the credit grade of user.At the appointed time, no matter by which kind of mode, to
After the successful payment of hospital information system 4, user is improved in the credit grade of payment platform 2.Grade based on lifting, user
Other services of payment platform 2 can be enjoyed.
Alternatively, the process of seeing a doctor in user terminates or stage terminates after (for example, 1 day terminates), if in the stipulated time
Interior, user does not complete clearing, the state of the unfinished clearing of the record user of payment platform 2.Unfinished clearing based on record
State, payment platform 2 is rejected by user and logged on, or refusal provides the user the service according to the embodiment of the present application.It is optional
Ground, according to the state of the unfinished clearing of record user, user is lowered in the credit grade of payment platform 2.Based on reduction
Grade, user loses the chance for its one or more service for getting paid platform 2.Still alternatively, payment platform 2 is also to shifting
Dynamic terminal 1 sends short message, wechat, message, mail etc. and reminds user-pay.
If in addition, user is opened after credit payment service, not seen a doctor within the specified time to hospital, then information for hospital system
System 4 asks payment platform 2 to be terminated an agreement.In response to the request of terminating an agreement of hospital information system 4, payment platform 2 is to HI center message tube
Reason system 3 returns the accrediting amount of request.
The online credit payment system based on medical insurance real-time credit of the application, shortens the consultation time of patient, mitigates
The workload of hospital, while more people can be made to enjoy experience of efficiently easily going to a doctor, in emergency treatment, won for rescue
Time.
Embodiment two
Fig. 2 is the flow chart of the online credit payment method based on medical insurance real-time credit according to the embodiment of the present application.Such as
Shown in Fig. 2, user (patient) opens credit payment service first, and user opens credit branch by mobile terminal 1 (referring also to Fig. 1)
Pay service (110).Mobile terminal 1 obtains the identity information of user, for example, medical insurance card information.User also sets on a mobile terminal 1
Put the accrediting amount (120) for credit payment.Usually, the accrediting amount is less than medical insurance card remaining sum.
Mobile terminal 1 provides the credit volume of identity information, medical insurance information and the user's request of user to payment platform 2
Degree.Payment platform 2 is asked to HI center information management system 3 more than the medical insurance card of locking user and the medical insurance card for obtaining user
Volume (210).Alternatively, the request HI center of payment platform 2 information management system 3 locks user's medical insurance card account corresponding to credit
The amount of money of amount.
After locking successfully, payment platform 2 pushes the notice that user opens credit payment service to hospital information system 4
(220) accrediting amount for, and to hospital information system 4 indicating to provide the user.Wherein, medical insurance card of the payment platform based on user
The accrediting amount that account balance is asked with customer mobile terminal 1, the accrediting amount asked in user is less than the feelings of medical insurance card remaining sum
Under condition, payment platform provides the accrediting amount that user asks by user to hospital information system 4.During user sees a doctor,
The accrediting amount based on user is provided the user medical services and paid without user for medical services by hospital information system 4
Expense.
Hospital information system 4 receives the notice (310) for opening credit payment service.The record of hospital information system 4, which is obtained, to be used
The accrediting amount and medical insurance card information at family.Medical insurance card information includes the accrediting amount, medical insurance card number, personal information, accounts information
With account amount of money etc..
Registered medical treatment by old process next, user carries medical insurance card.User holds medical insurance card and gone to a doctor (130), passes through
Medical insurance card indicates identity to hospital information system 4.Doctor carries out interrogation based on the user profile that hospital information system 4 is obtained
, and hospital information system 4 can open credit payment Xiang doctor's instruction user (320).Result based on interrogation, doctor passes through
Hospital information system 4 issues doctor's advice (330).Hospital information system 4 obtains the credit line of user, in credit line or line of credit
When the remaining sum of degree meets doctor's advice requirement, hospital information system generation doctor's advice.Alternatively, if the credit line or credit line of user
Remaining sum can not meet doctor's advice demand (for example, credit line be not enough to pay perform doctor's advice expense), hospital information system 4 is refused
Doctor's advice is issued absolutely, and requires that user adds credit line or payment.Alternatively, generation of the hospital information system also with regard to doctor's advice is notified
The section office or department of doctor's advice are performed, are that user sets up serial number for queuing, and/or sends and has to the mobile terminal 1 of user
Close position and guiding doctor's information of waiting time etc. that doctor's advice performs section office.
The doctor's advice generated based on hospital information system 4, user performs doctor's advice (140).Alternatively, user is in the process of seeing a doctor
In, payment platform 2 is not paid to hospital information system 4.The credit for the user that hospital information system 4 is provided based on payment platform 2
Amount, in the accrediting amount, directly issues doctor's advice.
Exemplarily, for one or more doctor's advices, user can inquire about order contents and price by mobile terminal 1, and
It may be selected to perform doctor's advice, doctor's advice is not performed or cancel doctor's advice.User is refused in response to mobile terminal 1 to perform the instruction of doctor's advice
(for example, by payment platform 2), 4 pairs of doctor's advices of hospital information system disregard the bill of access customer.
If performing the of a high price of doctor's advice, the accrediting amount provided beyond user, hospital information system 4 can notify the user that
Or third party's payment or the supplement accrediting amount.If hospital information system 4 does not open doctor's advice, hospital information system 4 in the time of specifying
Request payment platform 2 is terminated an agreement.In response to the request of terminating an agreement of hospital information system 4, payment platform 2 is to HI center information management system
System 3 returns the accrediting amount of request.
For supplement credit line, user indicates that payment platform 2 is user to HI center information management by mobile terminal 1
The request supplement credit line of system 3.And the request HI center information management of payment platform 2 information system 3 additionally locks user
Medical insurance card corresponding amount of money with supplement credit line.It should be noted that when user supplements the accrediting amount, the accrediting amount still needs to small
In medical insurance card remaining sum.If the doctor's advice charging item amount of money is less than the accrediting amount, user can directly go to corresponding section office to perform doctor's advice.
During user sees a doctor, the step of step 130, step 320, step 330 are with step 140 is recyclable multiple.Often
In secondary circulation, doctor issues doctor's advice by hospital information management system 4.Hospital system management system 4 also records what is each issued
The charging item amount of money of doctor's advice, to judge whether the accrediting amount of user is enough to pay all doctor's advices.For any doctor's advice, if with
The accrediting amount at family is not enough to pay the charging item amount of money of doctor's advice, the mobile terminal 1 that hospital information management system 4 passes through user
Ask user's supplement accrediting amount or payment.
After the process of seeing a doctor is completed, such as user prepares to exit hospital, or in user's free time, information for hospital system
System 4 or payment platform 2 notify user's medical expense to mobile terminal 1.Alternatively, user checks doctor's advice in mobile terminal 1 request
Charging item inventory (150).Mobile terminal 1 asks doctor's advice charging item inventory to payment platform 2.Payment platform 2 is believed from hospital
All doctor's advice charging items (230) of the request user of breath system 4.Hospital information system 4 provides complete user's doctor's advice charge item
Mesh inventory (340), and send to mobile terminal 1.User confirms an order (160) on a mobile terminal 1, and will be to Confirmation of Orders
Indicate to send to payment platform 2.
Then, the generation clearing order of payment platform 2 (240).Payment platform is also withholdd from user account.As an example, prop up
Pay platform and possess the multiple accounts informations and/or a variety of payment methods of user, for example medical insurance account, bank card, wechat account or
Alipay account.Payment platform can also possess a variety of payment methods of user, for example
User can specify the payment order of its multiple account to payment platform.Payment platform 2 is withholdd by clearing order
(250).As an example, payment platform 2 is preferentially using medical insurance card information request medical insurance account payment (252), in medical insurance account gold
When volume is not enough, payment platform 2 is withholdd (254) from other accounts (for example, Alipay account) of user.In Fig. 2, in step 260,
Whether payment platform 2 determines to withhold from selected account succeeds, when withholing failure, return to step 250, and selects another account
Or another means of payment payment.Alternatively, payment platform 2 is respectively withholdd partial amount from multiple accounts of user, to complete pair
The payment of consolidated bill.In step 260, if payment platform 2 confirms success of withholing, payment platform 2 is by asking HI center
Information management system 3 unlocks the amount of money (270) of medical insurance account or the medical insurance account correspondence accrediting amount, and payment platform completes knot
Calculate relevant issues (280).Payment platform 2 also completes to pay the bill to hospital information management system 3, and sends clearing notice (350), with
And payment platform 2 also sends to customer mobile terminal 1 and notifies (170), inform that user-pay is completed.Payment platform also with user with
And hospital terminates an agreement.
Alternatively, payment platform 2, when step 252 is paid the bill by medical insurance account, is had the right as the requesting party of credit line
Using the credit line locked in medical insurance account, so that it is guaranteed that payment platform 2 can obtain HI center information management system 3 from
The payment of user's medical insurance account.
Alternatively, withholdd to realize, the instruction user account of payment platform 2 is directly paid the bill to hospital information management system 3.
Alternatively, payment platform 2 be confirmed whether to withhold successfully (260) when, whether should be noted user is at the appointed time
Pay up expense.If user pays up expense at the appointed time, the medical insurance card account of the lifting user of payment platform 2 is in payment platform 2
Credit grade so that user can enjoy payment platform 2 other service.
If patient does not complete clearing, the medical insurance card account of patient is still lock-out state, by influence patient under other scenes
Use medical insurance card.At the appointed time, payment platform 2 pushes settlement information by channels such as short message, wechat, message, mails and carried
The patient that wakes up pays the fees；If exceeding schedule time, patient does not close the account yet, the credit of the medical insurance card account of patient in payment platform 2
Grade will be downgraded.And hospital information system 4 there will be project of not settling accounts, project is not settled accounts the next time for influenceing user goes to a doctor,
The refusal of hospital information system 4 issues doctor's advice for user.The refusal of payment platform 2 thinks that HI center information management system 3 please for user
Seek the accrediting amount.
The online credit payment method based on medical insurance real-time credit of the application, shortens the consultation time of patient, mitigates
The workload of hospital, while more people can be made to enjoy experience of efficiently easily going to a doctor.
Although having been described for the preferred embodiment of the application, those skilled in the art once know basic creation
Property concept, then can make other change and modification to these embodiments.So, appended claims are intended to be construed to include excellent
Select embodiment and fall into having altered and changing for the application scope.Obviously, those skilled in the art can be to the application
Various changes and modification are carried out without departing from spirit and scope.So, if these modifications and variations of the application
Belong within the scope of the application claim and its equivalent technologies, then the application is also intended to exist comprising these changes and modification
It is interior.
Claims (10)
1. a kind of online credit payment method based on medical insurance real-time credit, it is characterised in that including：
Mobile terminal, subscriber identity information is provided to payment platform；
Payment platform asks the accrediting amount of the medical insurance card remaining sum based on user to HI center information management system, and locks use
Family medical insurance card corresponds to the amount of money of the accrediting amount；
Payment platform indicates that the user opens credit payment to hospital information system, and the user the accrediting amount；
Hospital information system checks whether the accrediting amount meets doctor's advice requirement according to doctor's advice to be opened；
Hospital information system is that the user opens doctor's advice；
Mobile terminal confirms to pay the expense related with doctor's advice is performed to payment platform；And
Payment platform is completed in response to reimbursement of expense, indicates to release the medical insurance card of the user to HI center information management system
Designated amounts locking.
2. the online credit payment method as claimed in claim 1 based on medical insurance real-time credit, it is characterised in that information for hospital
System records the medical insurance card information and the accrediting amount of the user.
3. the online credit payment method based on medical insurance real-time credit as described in any one of claim 1 to 2, its feature exists
In hospital information system is according to doctor's advice, when checking whether the accrediting amount meets doctor's advice requirement, in response to the charge of doctor's advice
The mesh amount of money is more than the accrediting amount, and payment platform request Third-party payment, request HI center information management system add credit volume
Degree applies for the accrediting amount again to HI center information management system.
4. the online credit payment method based on medical insurance real-time credit as described in any one of claim 1 to 2, its feature exists
In hospital information system is according to doctor's advice, when checking whether the accrediting amount meets doctor's advice requirement, in response to the charge of doctor's advice
The mesh amount of money is less than the accrediting amount, and hospital information system is that the user opens doctor's advice.
5. the online credit payment method as claimed in claim 4 based on medical insurance real-time credit, it is characterised in that also include：
Hospital information system updates the accrediting amount according to the charging item amount of money of doctor's advice.
6. the online credit payment method as claimed in claim 5 based on medical insurance real-time credit, it is characterised in that information for hospital
System checks whether the accrediting amount after updating meets the requirement of the second doctor's advice according to the second doctor's advice；And
Hospital information system is that the user opens the second doctor's advice.
7. the online credit payment method based on medical insurance real-time credit as described in any one of claim 1 to 6, its feature exists
In payment platform sends settlement information to mobile terminal, and mobile terminal is to payment platform clearing are indicated, in response to mobile terminal
Instruction to clearing, payment platform request HI center information management system payment, payment platform is additionally in response to HI center letter
Management system is ceased to paying successful instruction, notifies hospital information system, payment platform also asks HI center information management system
The medical insurance card account of the system unblock user.
8. the online credit payment method based on medical insurance real-time credit as described in any one of claim 1 to 7, its feature exists
In mobile terminal is indicated to payment platform before clearing, and hospital information system records user's presence and do not settle accounts project；
The user profile for the user that payment platform is provided in response to mobile terminal, recognizes that the user is present and does not settle accounts item
Mesh, refuses to ask the accrediting amount to HI center information management system for the user.
9. the online credit payment method based on medical insurance real-time credit as described in any one of claim 1 to 8, its feature exists
In, HI center information management system asks locking user medical insurance card corresponding to the amount of money of the accrediting amount in response to payment platform,
When the unblocked amount of money of the medical insurance card account of the user is more than the accrediting amount, the accrediting amount is provided to payment platform,
And lock the amount of money that the provided accrediting amount is provided.
10. a kind of online credit payment system based on medical insurance real-time credit, it is characterised in that including mobile terminal, pay flat
Platform, HI center information management system and hospital information system, mobile terminal, payment platform, HI center information management system
By network connection between hospital information system, mobile terminal provides subscriber identity information to payment platform；Payment platform to
HI center information management system asks the accrediting amount of the medical insurance card remaining sum based on user, and locks user's medical insurance card and correspond to
The amount of money of the accrediting amount；Payment platform indicates that the user opens credit payment to hospital information system, and the user
The accrediting amount；Hospital information system checks whether the accrediting amount meets execution doctor's advice requirement according to doctor's advice；Information for hospital system
Unite and perform doctor's advice for the user；Mobile terminal confirms to pay the expense related with doctor's advice is performed to payment platform；And pay
Platform response is completed in reimbursement of expense, indicates to release the specified gold of the medical insurance card of the user to HI center information management system
The locking of volume.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710361014.XA CN107194679A (en) | 2017-05-22 | 2017-05-22 | Online credit payment system and method for payment based on medical insurance real-time credit |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710361014.XA CN107194679A (en) | 2017-05-22 | 2017-05-22 | Online credit payment system and method for payment based on medical insurance real-time credit |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107194679A true CN107194679A (en) | 2017-09-22 |
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ID=59874758
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710361014.XA Pending CN107194679A (en) | 2017-05-22 | 2017-05-22 | Online credit payment system and method for payment based on medical insurance real-time credit |
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| CN108198080A (en) * | 2017-12-29 | 2018-06-22 | 山大地纬软件股份有限公司 | A settlement system and method are examined in a kind of medical insurance based on social security card |
| CN108280622A (en) * | 2017-12-13 | 2018-07-13 | 成都深蓝动力科技有限公司 | A kind of service fee management system and method for the motor based on Energy Management Contract |
| CN108447197A (en) * | 2018-02-07 | 2018-08-24 | 申斌 | Merchandise sales control method, merchandise sales terminal and system |
| CN108766537A (en) * | 2018-05-29 | 2018-11-06 | 镇江市第人民医院 | A kind of system for supporting social security card mobile payment |
| CN109697667A (en) * | 2018-12-19 | 2019-04-30 | 中国银联股份有限公司 | A kind of method and device of the limit control based on credit mode |
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| CN113450887A (en) * | 2021-06-23 | 2021-09-28 | 中信云网有限公司 | Medical data processing method and device based on credit granting, electronic device and medium |
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| CN108280622A (en) * | 2017-12-13 | 2018-07-13 | 成都深蓝动力科技有限公司 | A kind of service fee management system and method for the motor based on Energy Management Contract |
| CN108198080A (en) * | 2017-12-29 | 2018-06-22 | 山大地纬软件股份有限公司 | A settlement system and method are examined in a kind of medical insurance based on social security card |
| CN108447197A (en) * | 2018-02-07 | 2018-08-24 | 申斌 | Merchandise sales control method, merchandise sales terminal and system |
| CN108766537A (en) * | 2018-05-29 | 2018-11-06 | 镇江市第人民医院 | A kind of system for supporting social security card mobile payment |
| CN109697667A (en) * | 2018-12-19 | 2019-04-30 | 中国银联股份有限公司 | A kind of method and device of the limit control based on credit mode |
| CN109697667B (en) * | 2018-12-19 | 2023-08-18 | 中国银联股份有限公司 | Quota management and control method and device based on trust mode |
| CN110097957A (en) * | 2019-04-22 | 2019-08-06 | 安徽晶奇网络科技股份有限公司 | A kind of hospital management analysis system based on big data |
| CN110097957B (en) * | 2019-04-22 | 2023-07-11 | 安徽晶奇网络科技股份有限公司 | Hospital management analysis system based on big data |
| CN110288335A (en) * | 2019-06-26 | 2019-09-27 | 福建医联康护信息技术有限公司 | Method, system, equipment and the readable medium of credit payment suitable for medical treatment |
| CN110728508A (en) * | 2019-09-30 | 2020-01-24 | 浙江大学医学院附属第四医院 | Mobile phone APP-based medical payment method and system |
| CN111127221A (en) * | 2019-11-21 | 2020-05-08 | 泰康保险集团股份有限公司 | Policy claim settlement method, policy claim settlement device, policy claim settlement medium and electronic equipment |
| CN111127221B (en) * | 2019-11-21 | 2023-06-27 | 泰康保险集团股份有限公司 | Method, device, medium and electronic equipment for policy claim settlement |
| CN111028909A (en) * | 2019-11-26 | 2020-04-17 | 泰康保险集团股份有限公司 | Outpatient service chronic disease information processing method, device, equipment and storage medium |
| CN111028909B (en) * | 2019-11-26 | 2023-10-03 | 泰康保险集团股份有限公司 | Method, device, equipment and storage medium for processing outpatient chronic disease information |
| CN111341422A (en) * | 2020-02-24 | 2020-06-26 | 深圳市联影医疗数据服务有限公司 | Credit hospitalizing method, storage medium and mobile terminal |
| CN111341422B (en) * | 2020-02-24 | 2024-02-20 | 深圳市联影医疗数据服务有限公司 | Credit seeking method, storage medium and mobile terminal |
| CN111882769A (en) * | 2020-08-01 | 2020-11-03 | 上海云央网络科技有限公司 | Automatic medicine selling machine supporting medical insurance electronic certificate, medicine selling system and method |
| CN113129016A (en) * | 2021-04-30 | 2021-07-16 | 支付宝(杭州)信息技术有限公司 | Medical insurance payment method, device and equipment |
| CN113129016B (en) * | 2021-04-30 | 2023-09-29 | 支付宝（中国）网络技术有限公司 | Medical insurance payment method, device and equipment |
| CN113450887A (en) * | 2021-06-23 | 2021-09-28 | 中信云网有限公司 | Medical data processing method and device based on credit granting, electronic device and medium |
| CN113570361A (en) * | 2021-07-15 | 2021-10-29 | 交通银行股份有限公司 | Credit hospitalizing platform based on commercial bank credit granting product |
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