CN108256834A - Reimbursement management method, device and storage medium - Google Patents
Reimbursement management method, device and storage medium Download PDFInfo
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- CN108256834A CN108256834A CN201711097821.1A CN201711097821A CN108256834A CN 108256834 A CN108256834 A CN 108256834A CN 201711097821 A CN201711097821 A CN 201711097821A CN 108256834 A CN108256834 A CN 108256834A
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- Prior art keywords
- reimbursement
- reconciliation
- region code
- platform
- internal server
- Prior art date
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The present invention provides a kind of reimbursement management methods, and applied to reimbursement managing device, which communicates to connect with external server and internal server, and this method includes the following steps：The medical insurance product refund request transmitted by sales platform is received, which runs in external server or internal server；Policy information is obtained from the core system of internal server according to the refund request；When not including bank card information in the policy information, the reconciliation region code of medical insurance product is obtained from the sales platform or the core system；And the account information of corresponding Third-party payment platform is obtained, and control financial system that refund amount is retracted into the account of the Third-party payment platform from the financial system of internal server according to above-mentioned reconciliation region code.The present invention also provides a kind of reimbursement managing device and a kind of computer readable storage mediums.
Description
Technical field
The present invention relates to a kind of medical insurance product more particularly to a kind of reimbursement management method of medical insurance product, dresses
It puts and storage medium.
Background technology
With the development of science and technology, Third-party payment platform (wechat, Alipay etc.) is increasingly used in daily payment, pole
The earth improves user experience.On the reimbursement of expense of medical insurance product, also often paid using Third-party payment platform.
Difference lies in it not to have bank card information for the means of payment and conventional payment mode.The regulatory requirements regulation of financial industry：It moves back
The requirement of same bank card disengaging should be met during money.When Third-party payment platform is used to be paid, due to there is no insurer
Bank card information, if at this time occur reimbursement, because lack bank card information, then can not realize reimbursement, reduce user experience.
Therefore, it is necessary to design it is a kind of when Third-party payment platform is used to pay the bill, it can be achieved that medical insurance product reimbursement
Management method, device and storage medium.
Invention content
In view of the problems of the existing technology, its purpose is to provide a kind of Withdrawing method, device and storages to be situated between the present invention
Matter when Third-party payment platform is used to pay the bill, can still realize the reimbursement operation of medical insurance product, to promote user's body
It tests.
To achieve the above object, the present invention provides a kind of reimbursement management method, applied to reimbursement managing device, the reimbursement
Managing device is communicated to connect with external server and internal server, and this method includes the following steps：
Receive sales platform transmitted by medical insurance product refund request, the sales platform run on external server or
In internal server；
Policy information is obtained from the core system of internal server according to the refund request；
When not including bank card information in the policy information, doctor is obtained from the sales platform or the core system
Treat the reconciliation region code of insurance products；And
The account of corresponding Third-party payment platform is obtained from the financial system of internal server according to above-mentioned reconciliation region code
Family information, and control financial system that refund amount is retracted into the account of the Third-party payment platform.
As a further improvement on the present invention, this method further includes：
When bank card information is included in the policy information, the bank card information and refund request are sent to inside
The financial system of server；And
The bank card information is confirmed without mistaking in the financial system, and refund amount is retracted into correspondence by control financial system
Bank card in.
As a further improvement on the present invention, the refund amount is paid the original amount button of premium by medical insurance product
It is obtained except penalty.
As a further improvement on the present invention, policy information is obtained by following steps：
The refund request is sent to internal server；
Database of the internal server according to corresponding to the refund request inquires core system is controlled, it please to find out the reimbursement
Seek corresponding policy information；And
Receive the policy information transmitted by internal server.
As a further improvement on the present invention, reconciliation region code is obtained by following steps：
Request will be obtained and be sent to external server or internal server；
The external server or internal server are controlled according to the corresponding reconciliation region code of the acquisition requesting query；And
Receive the external server or the reconciliation region code transmitted by internal server.
As a further improvement on the present invention, the generation step of the reconciliation region code is as follows：
In premium of the insurer using Third-party payment platform payment medical insurance product, receive transmitted by sales platform
Third-party payment platform account information；
The account information of the Third-party payment platform is sent to the core system of internal server；
In the owner for confirming artificial Third-party payment platform account of insuring, account information is stored to the core system
In the correspondence policy information of system；
Account information is sent to the financial system of internal server；
The reconciliation region code transmitted by the financial system is received, the reconciliation region code is by financial system according to account information
Distribution；And
The reconciliation region code is sent to sales platform and core system, and controls the core system and sales platform will
The reconciliation region code is stored into corresponding policy information.
To achieve the above object, the present invention also provides a kind of reimbursement managing device, with external server and internal services
Device communicates to connect, and including memory, processor and stores the reimbursement that can be run on a memory and on a processor management system
Program code, the processor performs said program code and realizes following steps：
Receive sales platform transmitted by medical insurance product refund request, the sales platform run on external server or
In internal server；
Policy information is obtained from the core system of internal server according to the refund request；
When not including bank card information in the policy information, doctor is obtained from the sales platform or the core system
Treat the reconciliation region code of insurance products；And
The account of corresponding Third-party payment platform is obtained from the financial system of internal server according to above-mentioned reconciliation region code
Family information, and control financial system that refund amount is retracted into the account of the Third-party payment platform.
As a further improvement on the present invention, the sales platform is that the third party's electric business run in external server is put down
Platform runs on directly-managed sales platform in internal server.
As a further improvement on the present invention, the core system and financial system are run in same internal server,
Or it is separately operable in different internal servers.
To achieve the above object, the present invention also provides a kind of computer readable storage medium, the computer-readable storages
Medium includes the program code of reimbursement management system, real when the program code of the reimbursement management system is executed by processor
Existing following steps：
Receive sales platform transmitted by medical insurance product refund request, the sales platform run on external server or
In internal server；
Policy information is obtained from the core system of internal server according to the refund request；
When not including bank card information in the policy information, doctor is obtained from the sales platform or the core system
Treat the reconciliation region code of insurance products；And
The account of corresponding Third-party payment platform is obtained from the financial system of internal server according to above-mentioned reconciliation region code
Family information, and control financial system that refund amount is retracted into the account of the Third-party payment platform.
As a further improvement on the present invention, the program code of the reimbursement management system in the readable storage medium storing program for executing is located
When managing device execution, following steps are also realized：：
When bank card information is included in the policy information, the bank card information and refund request are sent to inside
The financial system of server；And
The bank card information is confirmed without mistaking in the financial system, and refund amount is retracted into correspondence by control financial system
Bank card in.
As a further improvement on the present invention, the refund amount is paid the original amount button of premium by medical insurance product
It is obtained except penalty.
As a further improvement on the present invention, policy information is obtained by following steps：
The refund request is sent to internal server；
Database of the internal server according to corresponding to the refund request inquires core system is controlled, it please to find out the reimbursement
Seek corresponding policy information；And
Receive the policy information transmitted by internal server.
As a further improvement on the present invention, reconciliation region code is obtained by following steps：
Request will be obtained and be sent to external server or internal server；
The external server or internal server are controlled according to the corresponding reconciliation region code of the acquisition requesting query；And
Receive the external server or the reconciliation region code transmitted by internal server.
As a further improvement on the present invention, the generation step of the reconciliation region code is as follows：
In premium of the insurer using Third-party payment platform payment medical insurance product, receive transmitted by sales platform
Third-party payment platform account information；
The account information of the Third-party payment platform is sent to the core system of internal server；
In the owner for confirming artificial Third-party payment platform account of insuring, account information is stored to the core system
In the correspondence policy information of system；
Account information is sent to the financial system of internal server；
The reconciliation region code transmitted by the financial system is received, the reconciliation region code is by financial system according to account information
Distribution；And
The reconciliation region code is sent to sales platform and core system, and controls the core system and sales platform will
The reconciliation region code is stored into corresponding policy information.
Using reimbursement management method of the present invention, device and storage medium, reimbursement can be obtained by reconciliation region code
The account information of the corresponding Third-party payment platform of request, to realize when Third-party payment platform is used to pay the bill, correspondence is moved back
The reimbursement operation of the medical insurance product of money request, to promote user experience.
Description of the drawings
Fig. 1 is the running environment schematic diagram of present pre-ferred embodiments reimbursement managing device；
Fig. 2 is the structure diagram of present pre-ferred embodiments reimbursement managing device；
Fig. 3 is the flow diagram of present pre-ferred embodiments reimbursement management method；
Fig. 4 is the flow diagram of present pre-ferred embodiments reconciliation region code generation step.
Main element symbol description
| Reimbursement managing device | 100 |
| Network | 200 |
| External server | 300 |
| LAN | 400 |
| Internal server | 500 |
| Database | 600 |
| Reimbursement manages system | 10 |
| Processor | 20 |
| Memory | 30 |
| Display unit | 40 |
Following specific embodiment will be further illustrated the present invention with reference to above-mentioned attached drawing.
Specific embodiment
Below with reference to each embodiment shown in the drawings, the present invention will be described in detail.But these embodiments are not
The limitation present invention, the transformation in structure or function that those of ordinary skill in the art are made according to these embodiments are wrapped
Containing within the scope of the present invention.
It will be apparent to one skilled in the art that embodiments of the present invention can be implemented as a kind of method, apparatus, equipment, be
System or computer program product.Therefore, the present invention can be implemented as complete hardware, complete software (including firmware, is stayed
Stay software, microcode etc.) or hardware and software combine form.
According to an embodiment of the invention, it is proposed that a kind of reimbursement management method, device and storage medium.
As shown in fig.1, the running environment schematic diagram for present pre-ferred embodiments reimbursement managing device 100.It is described to move back
Money managing device 100 is connect by network 200 with external server 300.The reimbursement managing device 100 can be computer, put down
The computing devices such as plate computer, smart mobile phone.Third party's electric business platform is run in the external server 300, the third party
Electric business platform can be the online retailings platforms such as day cat, Jingdone district.Medical insurance product is in the above-mentioned enterprising marketing of third party's electric business platform
It sells.
The reimbursement managing device 100 is also connect with one or more internal server 500 (in Fig. 1 by LAN 400
2 internal servers are shown).The internal server 500 communicates to connect database 600.Lead between the internal server 500
LAN 400 is crossed to communicate to connect.
The internal server 500 includes enterprises staff one or more operation systems used in everyday, with
And one or more associations system.The reimbursement managing device 100 logs in internal server 500 by LAN 400 and accesses industry
Business system or interconnected system.The operation system can be for preserving the core system of medical insurance product warranties information or using
In the directly-managed sales platform of sale medical insurance product；The interconnected system can be to pay the bill and move back for medical insurance product warranties
The financial system of money.The database 600 is used to store the relevant financials such as policy information, payment and the reimbursement of medical insurance product
Information.
In this preferred embodiment, the core system and financial system are separately operable in different internal servers 500
In.In other preferred embodiments, the core system and financial system also can run in same internal server 500.
For medical insurance product after sales platform is sold successfully, internal server 500 will be returned to by selling successful information
Core system, core system generate and store the policy information of medical insurance product.The sales platform includes external server
300 third party's electric business platform or the directly-managed sales platform of internal server 500.
In premium of the insurer using Third-party payment platform payment medical insurance product, sales platform is by the third party
The account information of payment platform is sent to core system；When insurer is confirmed as the owner of Third-party payment platform account,
The account information of the Third-party payment platform is sent to financial system by core system；Financial system distributes a reconciliation region code
Return to core system and sales platform.The reconciliation region code is used for keep accounts operation of the premium in financial system of medical insurance product
And the reimbursement operation of medical insurance product premium.Each reconciliation region code corresponds to the policy information of a medical insurance product.Institute
It can be the payment platform that Alipay, wechat etc. lack bank card information to state Third-party payment platform.
The structure diagram of present pre-ferred embodiments reimbursement managing device is shown refering to Fig. 2.The reimbursement management dress
Putting operation on 100 has in reimbursement management system 10, and reimbursement management system 10 includes computerization program code.The reimbursement pipe
Reason device 100 further includes processor 20, memory 30 and display unit 40.
Memory 30 includes the readable storage medium storing program for executing of at least one type.The readable storage medium storing program for executing of at least one type
It can be the non-volatile memory medium of such as flash memory, hard disk, multimedia card, card-type memory.In some embodiments, it is described can
The internal storage unit that storage medium can be the reimbursement managing device 100 is read, such as the reimbursement managing device 100 is hard
Disk.In further embodiments, the readable storage medium storing program for executing can also be the external memory of the reimbursement managing device 100
The plug-in type hard disk being equipped on 30, such as the reimbursement managing device 100, intelligent memory card (Smart Media Card,
SMC), secure digital (Secure Digital, SD) blocks, flash card (Flash Card) etc..
In the present embodiment, the readable storage medium storing program for executing of the memory 30 is installed on the reimbursement management commonly used in storage
Program code of reimbursement management system 10 of device 100 etc..The memory 30, which can be also used for temporarily storing, have been exported
Or the data that will be exported.
Processor 20 can be in some embodiments a central processing unit (Central Processing Unit,
CPU), microprocessor or other data processing chips, for the program code or processing data stored in run memory 30, example
Such as perform the program code of reimbursement management system 10.
The display unit 40 can be that display screen etc. shows equipment, for showing policy information and reimbursement success or not
Prompt message.The display unit 40 may be either to be external in the display of reimbursement managing device 100 or reimbursement managing device
100 included display screens.
The reimbursement management system 10 is used to receive the medical insurance product refund request of insurer.The refund request is by throwing
Guarantor is initiated in sales platform, and is sent to the reimbursement via sales platform and is managed system 10, which can be the
Tripartite's electric business platform or directly-managed sales platform.When sales platform is third party's electric business platform, the reception of external server 300 is insured
People passes through network 200 and the refund request is sent to reimbursement management system in the refund request transmitted by third party's electric business platform
System 10.When sales platform is directly-managed sales platform, internal server 500 receives insurer transmitted by directly-managed sales platform
Refund request, and pass through LAN 400 and the refund request is sent to reimbursement management system 10.
The reimbursement management system 10 is used to obtain policy information according to the refund request.In this preferred embodiment, institute
It states reimbursement management system 10 and the core system of internal server 500 is inquired to obtain corresponding policy information according to refund request.
The step of obtaining policy information is as follows：Refund request is sent to internal clothes by the reimbursement management system 10 via LAN 400
Business device 500；Database 600 of the internal server 500 according to corresponding to the refund request inquires core system, to find out the reimbursement
The corresponding policy information of request, and pass through LAN 400 and the policy information is sent to reimbursement management system 10, the reimbursement pipe
Reason system 10 receives the policy information transmitted by internal server 500.
Whether the reimbursement management system 10 is used to judge in the policy information comprising bank card information.
When bank card information is included in the policy information, the reimbursement management system 10 is used to be believed according to the bank card
Breath carries out the reimbursement operation of medical insurance product.In this preferred embodiment, the reimbursement manages system 10 by the bank card
Information and refund request are sent to financial system via LAN 400, and control financial system is to bank card information and refund request
It is checked, is confirming the bank card information without mistaking, refund amount is retracted into corresponding bank card by control financial system,
To complete reimbursement operation.The refund amount is paid the original amount deduction penalty of premium by medical insurance product and is obtained,
That is refund amount=original amount-penalty, based on contract reimbursement that the penalty is arranged is regular and determines.It is for example, described
Reimbursement rule can be that request of withholing is initiated in preset number of days, should pay the preset ratio (such as 15%) of original amount as promise breaking
Gold.
When not including bank card information in the policy information, reimbursement management system 10 be used for from sales platform or
Core system obtains the reconciliation region code of medical insurance product.It is third party in the sales platform in this preferred embodiment
During electric business platform, obtain reconciliation region code the step of it is as follows：The reimbursement management system 10 is sent request is obtained through network 200
To external server 300, external server 300 is according to the corresponding reconciliation region code of the acquisition requesting query, and by the reconciliation area
Domain code is sent to reimbursement management system 10 through network 200, and reimbursement management system 10 receives the reconciliation transmitted by external server 300
Region code.In this preferred embodiment, it is described right to be obtained when the sales platform is directly-managed sales platform or from core system
During account region code, obtain reconciliation region code the step of it is as follows：The reimbursement management system 10 is sent out request is obtained through LAN 400
It send to internal server 500, internal server 500 is according to the corresponding reconciliation region code of the acquisition requesting query, and by the reconciliation
Region code is sent to reimbursement management system 10 through LAN 400, and reimbursement management system 10 is received transmitted by internal server 500
Reconciliation region code.
In this preferred embodiment, the generation step of the region reconciliation code is as follows：Third-party payment is used in insurer
When platform pays the premium of medical insurance product, the account information of the Third-party payment platform is sent to reimbursement pipe by sales platform
The account information of the Third-party payment platform is sent to the core of internal server 500 by reason system 10, reimbursement management system 10
Feel concerned about system；Reimbursement manages system 10 in the owner for confirming artificial Third-party payment platform account of insuring, by account information
It stores into the correspondence policy information of core system, and account information is sent to the financial system of internal server 500；Wealth
Business system distributes a reconciliation region code, and the reconciliation region code is sent to reimbursement management system 10 according to account information；
Reimbursement management system 10 receives the reconciliation region code transmitted by the financial system, which is sent to sales platform
And the core system of internal server 500, and control core system and sales platform store the reconciliation region code to corresponding
In policy information.The reconciliation region code is used for keep accounts operation and medical insurance production of the premium in financial system of medical insurance product
The reimbursement operation of product premium.The reconciliation region code determines, each reconciliation region code pair according to the address information of declaration form warrantee
Answer the policy information of a medical insurance product.
The reimbursement that the reimbursement management system 10 is used to carry out medical insurance product according to above-mentioned reconciliation region code operates.
In this preferred embodiment, reconciliation region code is sent to financial system by reimbursement management system 10, control financial system according to
The reconciliation region code obtains the account information of corresponding Third-party payment platform, and financial system is controlled to be retracted into refund amount
In the account of the Third-party payment platform, and it is returned in its paying bank card via the account of the Third-party payment platform, with
Complete reimbursement operation.
The flow diagram of present pre-ferred embodiments reimbursement management method is shown refering to Fig. 3.
Step S10, the reimbursement management system 10 receive the medical insurance product refund request of insurer.The refund request
It is initiated by insurer in sales platform, and is sent to the reimbursement via sales platform and manages system 10, which can
For third party's electric business platform or directly-managed sales platform.When sales platform is third party's electric business platform, external server 300 receives
Insurer passes through network 200 and the refund request is sent to reimbursement pipe in the refund request transmitted by third party's electric business platform
Reason system 10.When sales platform is directly-managed sales platform, internal server 500 receives insurer and is sent out in directly-managed sales platform
The refund request sent, and pass through LAN 400 and the refund request is sent to reimbursement management system 10.
Step S20, the reimbursement management system 10 obtain policy information according to the refund request.In this preferred embodiment,
The reimbursement management system 10 is inquired the core system of internal server 500 according to refund request and is believed with obtaining corresponding declaration form
Breath.The step of obtaining policy information is as follows：Refund request is sent to inside by the reimbursement management system 10 via LAN 400
Server 500；Database 600 of the internal server 500 according to corresponding to the refund request inquires core system, is moved back with finding out this
The corresponding policy information of money request, and pass through LAN 400 and the policy information is sent to reimbursement management system 10, the reimbursement
Management system 10 receives the policy information transmitted by internal server 500.
Whether step S30, the reimbursement management system 10 are judged in the policy information comprising bank card information.Described
When bank card information is included in policy information, then perform step S40, the reimbursement management system 10 according to the bank card information into
It practises medicine and treats the reimbursement operation of insurance products.When not including bank card information in the policy information, then step S50 is performed.
In this preferred embodiment, the reimbursement manages system 10 by the bank card information and refund request via local
Net 400 is sent to financial system, and control financial system checks bank card information and refund request, is confirming the bank card
Without mistaking, refund amount is retracted into corresponding bank card information by control financial system, to complete reimbursement operation.The reimbursement
The amount of money by medical insurance product pay premium original amount deduct penalty and obtain, i.e., refund amount=original amount-disobey
About golden, based on contract reimbursement that the penalty is arranged is regular and determines.For example, the reimbursement rule can be to be sent out in preset number of days
Request of withholing is acted, the preset ratio (such as 15%) of original amount should be paid as penalty.
Step S50, the reimbursement manage system 10 from pair that medical insurance product is obtained from sales platform or core system
Account region code.
In this preferred embodiment, when the sales platform is third party's electric business platform, the step of reconciliation region code is obtained
It is rapid as follows：The reimbursement management system 10 is sent to external server 300, external server 300 by request is obtained through network 200
According to the corresponding reconciliation region code of the acquisition requesting query, and by the reconciliation region code reimbursement management system is sent to through network 200
System 10, reimbursement management system 10 receive the reconciliation region code transmitted by external server 300.In this preferred embodiment, in institute
When stating sales platform as directly-managed sales platform or from core system obtain the reconciliation region code when, obtain reconciliation region code
Step is as follows：The reimbursement management system 10 is sent to internal server 500, internal services by request is obtained through LAN 400
Device 500 is sent to reimbursement according to the corresponding reconciliation region code of the acquisition requesting query, and by the reconciliation region code through LAN 400
Management system 10, reimbursement management system 10 receive the reconciliation region code transmitted by internal server 500.
Generation step Fig. 4 descriptions as detailed below of the reconciliation region code.
Step S60, the reimbursement that the reimbursement management system 10 carries out medical insurance product according to above-mentioned reconciliation region code are grasped
Make.In this preferred embodiment, reconciliation region code is sent to financial system by the reimbursement management system 10, controls financial system
The account information of corresponding Third-party payment platform is obtained according to the reconciliation region code, and financial system is controlled to move back refund amount
It is back in the account of the Third-party payment platform, and its paying bank card is returned to via the account of the Third-party payment platform
In, to complete reimbursement operation.
The flow diagram of present pre-ferred embodiments reconciliation region code generation step is shown refering to Fig. 4.
Step S510, in premium of the insurer using Third-party payment platform payment medical insurance product, the reimbursement
Management system 10 receives the account information of the Third-party payment platform transmitted by sales platform.
The account information of the Third-party payment platform is sent to internal clothes by step S520, the reimbursement management system 10
The core system of business device 500.
Step S530, in the owner for confirming artificial Third-party payment platform account of insuring, the reimbursement manages system
10 store account information into the correspondence policy information of core system.
Account information is sent to the financial system of internal server 500 by step S540, the reimbursement management system 10.
The financial system distributes a reconciliation region code according to account information, and the reconciliation region code is sent to reimbursement management system
System 10.
Step S550, the reimbursement management system 10 receive the reconciliation region code transmitted by financial system.
The reconciliation region code is sent to sales platform and internal server by step S560, the reimbursement management system 10
500 core system.The core system and sales platform store the reconciliation region code into corresponding policy information.
It should be appreciated that although this specification is described in terms of embodiments, but not each embodiment only includes one
A independent technical solution, this description of the specification is merely for the sake of clarity, and those skilled in the art should will say
For bright book as an entirety, the technical solution in each embodiment may also be suitably combined to form those skilled in the art can
With the other embodiment of understanding.
Those listed above is a series of to be described in detail only for feasibility embodiment of the invention specifically
Bright, they are not to limit the scope of the invention, all equivalent implementations made without departing from skill spirit of the present invention
Or change should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of reimbursement management method, applied to reimbursement managing device, the reimbursement managing device and external server and internal clothes
Business device communication connection, which is characterized in that this method includes the following steps：
The medical insurance product refund request transmitted by sales platform is received, which runs on external server or inside
In server；
Policy information is obtained from the core system of internal server according to the refund request；
When not including bank card information in the policy information, obtain medical treatment from the sales platform or the core system and protect
The reconciliation region code of dangerous product；And
The account that corresponding Third-party payment platform is obtained from the financial system of internal server according to above-mentioned reconciliation region code is believed
Breath, and control financial system that refund amount is retracted into the account of the Third-party payment platform.
2. reimbursement management method according to claim 1, which is characterized in that this method further includes：
When bank card information is included in the policy information, the bank card information and refund request are sent to internal services
The financial system of device；And
The bank card information is confirmed without mistaking in the financial system, and refund amount is retracted into corresponding silver by control financial system
In row card.
3. reimbursement management method according to claim 1, which is characterized in that the refund amount is medical insurance product institute
The original amount for paying premium deducts penalty and obtains.
4. reimbursement management method according to claim 1, which is characterized in that obtain policy information by following steps：
The refund request is sent to internal server；
Database of the internal server according to corresponding to the refund request inquires core system is controlled, to find out the refund request institute
Corresponding policy information；And
Receive the policy information transmitted by internal server.
5. reimbursement management method according to claim 1, which is characterized in that obtain reconciliation region code by following steps：
Request will be obtained and be sent to external server or internal server；
The external server or internal server are controlled according to the corresponding reconciliation region code of the acquisition requesting query；And
Receive the external server or the reconciliation region code transmitted by internal server.
6. reimbursement management method according to claim 1, which is characterized in that the generation step of the reconciliation region code is such as
Under：
In premium of the insurer using Third-party payment platform payment medical insurance product, the transmitted by sales platform is received
The account information of tripartite's payment platform；
The account information of the Third-party payment platform is sent to the core system of internal server；
In the owner for confirming artificial Third-party payment platform account of insuring, account information is stored to the core system
In corresponding policy information；
Account information is sent to the financial system of internal server；
The reconciliation region code transmitted by the financial system is received, the reconciliation region code is by financial system according to account information point
Match；And
The reconciliation region code is sent to sales platform and core system, and controls the core system and sales platform that this is right
Account region code is stored into corresponding policy information.
7. a kind of reimbursement managing device is communicated to connect with external server and internal server, including memory, processor and is deposited
Store up the program code of reimbursement management system that can be run on a memory and on a processor, which is characterized in that the processor
It performs said program code and realizes following steps：
The medical insurance product refund request transmitted by sales platform is received, which runs on external server or inside
In server；
Policy information is obtained from the core system of internal server according to the refund request；
When not including bank card information in the policy information, obtain medical treatment from the sales platform or the core system and protect
The reconciliation region code of dangerous product；And
The account that corresponding Third-party payment platform is obtained from the financial system of internal server according to above-mentioned reconciliation region code is believed
Breath, and control financial system that refund amount is retracted into the account of the Third-party payment platform.
8. reimbursement managing device according to claim 7, which is characterized in that the sales platform is runs on external service
Third party's electric business platform in device runs on directly-managed sales platform in internal server.
9. reimbursement managing device according to claim 7, which is characterized in that the core system and financial system are run on
In same internal server or it is separately operable in different internal servers.
10. a kind of computer readable storage medium, which is characterized in that the computer readable storage medium includes reimbursement management
The program code of system when the program code of the reimbursement management system is executed by processor, is realized as in claim 1 to 6
The step of any one of them reimbursement management method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711097821.1A CN108256834B (en) | 2017-11-09 | 2017-11-09 | Refund management method, device and storage medium |
Applications Claiming Priority (1)
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| CN109003069A (en) * | 2018-07-27 | 2018-12-14 | 阿里巴巴集团控股有限公司 | A kind of resource backing method and device |
| CN111754235A (en) * | 2020-06-03 | 2020-10-09 | 支付宝(杭州)信息技术有限公司 | Resource rollback method, device and equipment |
| CN113643111A (en) * | 2021-07-16 | 2021-11-12 | 国网山东省电力公司营销服务中心(计量中心) | Power marketing fee refunding management system and method |
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| CN109003069A (en) * | 2018-07-27 | 2018-12-14 | 阿里巴巴集团控股有限公司 | A kind of resource backing method and device |
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| CN113643111A (en) * | 2021-07-16 | 2021-11-12 | 国网山东省电力公司营销服务中心(计量中心) | Power marketing fee refunding management system and method |
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| CN108256834B (en) | 2021-10-22 |
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