CN109785095A - A kind of settlement method of medical expense, checkout apparatus and terminal device - Google Patents
A kind of settlement method of medical expense, checkout apparatus and terminal device Download PDFInfo
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- CN109785095A CN109785095A CN201811530220.XA CN201811530220A CN109785095A CN 109785095 A CN109785095 A CN 109785095A CN 201811530220 A CN201811530220 A CN 201811530220A CN 109785095 A CN109785095 A CN 109785095A
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Abstract
The embodiment of the present application discloses the settlement method, checkout apparatus and terminal device of a kind of medical expense, wherein the settlement method includes the following steps: that the user information for obtaining user to be paid, user information include subscriber identity information and consumption information；Subscriber identity information and consumption information are sent to medicare system；Obtain the information of submitting an expense account of the user corresponding with subscriber identity information of medicare system feedback；Subscriber identity information, information of submitting an expense account and consumption information are sent to quotient's insurance system, quotient's insurance system is that the quotient that user to be paid is insured and user to be paid requests synchronization gain quotient factoring to be paid for protects the corresponding system of business；Obtain the information that quotient's insurance system is paid for according to quotient's factoring that the insured contract of user to be paid determines；The payable amount of money of user to be paid is determined according to the information that consumption information, information of submitting an expense account and quotient's factoring are paid for.The settlement method of medical expense provided by the embodiments of the present application simplifies settlement process, improves settlement efficiency.
Description
Technical field
The present invention relates to field of medical technology more particularly to a kind of settlement methods of medical expense, checkout apparatus and terminal
Equipment.
Background technique
When user finishes watching disease and settles accounts at present, medical insurance reimbursement and the compensation of quotient's factoring are carried out separately, usual user
When hospital is settled accounts, the medical insurance type of user is searched for obtain according to the personal information of user by hospital, and hospital is by the letter of user
Breath and consumption information are sent to medicare system, and medicare system determines the amount of money and informing that medical insurance can submit an expense account according to the information of acquisition
Hospital, it is exactly the amount of money that patient pays in hospital's clearing that hospital subtracts the amount of money that medical insurance is submitted an expense account from total amount, if patient purchases
The quotient of Mai Liaoshangbao company protects product, for example has purchased the Claims Resolution product of safety life insurance, then patient can take after hospital's clearing
The invoice and papery document issued with hospital are submitted an expense account to Shang Bao company.Therefore, the existing medical expense settlement process period is long, and
Process is cumbersome.
Summary of the invention
The embodiment of the invention discloses a kind of settlement method of medical expense, checkout apparatus and terminal devices, can simplify
Settlement process, improves settlement efficiency.
First aspect of the embodiment of the present invention discloses a kind of settlement method of medical expense, and described method includes following steps:
The user information of user to be paid is obtained, the user information includes subscriber identity information and consumption information；
The subscriber identity information and the consumption information are sent to medicare system；
Obtain the information of submitting an expense account of the user corresponding with the subscriber identity information of the medicare system feedback；
By the subscriber identity information, it is described submit an expense account information and the consumption information is sent to quotient's insurance system, it is described
Quotient's insurance system is the Shang Baoye that the user to be paid is insured and the user to be paid requests synchronization gain quotient factoring to be paid for
It is engaged in corresponding system；
Obtain the information that quotient's insurance system is paid for according to quotient's factoring that the insured contract of the user to be paid determines；
It is determined according to the consumption information, the information that information and quotient's factoring are paid for of submitting an expense account described to be paid
The payable amount of money of user.
With reference to first aspect, in some possible embodiments, the user information for obtaining user to be paid, packet
It includes:
The identity information of user to be paid is obtained by acquisition device；
The consumption information of the user to be paid is obtained from database according to the identity information.
With reference to first aspect, in some possible embodiments, it is described according to the consumption information, described submit an expense account
The information that information and quotient's factoring are paid for determines the payable amount of money of user to be paid, comprising:
Spending amount is subtracted the remaining sum that the amount of money submitted an expense account subtracts after the amount of money of quotient's factoring compensation be determined as it is described to
The payable amount of money of user is paid, the spending amount is determined that the amount of money submitted an expense account is by described by the consumption information
Information of submitting an expense account determines that the amount of money that quotient's factoring is paid for is determined by the information that quotient's factoring is paid for.
With reference to first aspect, in some possible embodiments, described by the subscriber identity information, the reimbursement expense
Before being sent to quotient's insurance system with information and the consumption information, the method also includes:
It obtains in the insured quotient guarantor of the user to be paid and requires the synchronous information for obtaining quotient's factoring and paying for.
With reference to first aspect, in some possible embodiments, described by the subscriber identity information, the reimbursement expense
Before being sent to quotient's insurance system with information and the consumption information, the method also includes:
The verification information that the user to be paid is obtained according to default verification condition, according to the verification information to it is described to
The identity of payment user carries out verifying verification.
Second aspect, the embodiment of the present application provide a kind of checkout apparatus of medical expense, and described device includes: first to obtain
Take unit, the first transmission unit, second acquisition unit, the second transmission unit, third acquiring unit and determination unit, wherein
The first acquisition unit, for obtaining the user information of user to be paid, the user information includes user's body
Part information and consumption information；
First transmission unit, for sending the subscriber identity information and the consumption information to medicare system；
The second acquisition unit, for obtaining the use corresponding with the subscriber identity information of the medicare system feedback
The information of submitting an expense account at family；
Second transmission unit, for believing the subscriber identity information, submit an expense account information and the consumption
Breath is sent to quotient's insurance system, and quotient's insurance system is that the user to be paid is insured and user's request to be paid is same
Step obtains the quotient that quotient's factoring is paid for and protects the corresponding system of business；
The third acquiring unit is determined for obtaining quotient's insurance system according to the insured contract of the user to be paid
Quotient's factoring pay for information；
The determination unit, for the letter according to the consumption information, the submit an expense account information and quotient's factoring compensation
Breath determines the payable amount of money of user to be paid.
In conjunction with second aspect, in some possible embodiments, the first acquisition unit is specifically used for, and passes through acquisition
Device obtains the identity information of user to be paid；The consumption of the user to be paid is obtained from database according to the identity information
Information.
In conjunction with second aspect, in some possible embodiments, the determination unit is specifically used for, and spending amount is subtracted
Remaining sum after going the amount of money submitted an expense account to subtract the amount of money of quotient's factoring compensation is determined as the payable amount of money of user to be paid,
The spending amount is determined that the amount of money submitted an expense account is determined by the information of submitting an expense account, described by the consumption information
The amount of money that quotient's factoring is paid for is determined by the information that quotient's factoring is paid for.
In conjunction with second aspect, in some possible embodiments, the first acquisition unit is also used to, described second
Transmission unit by the subscriber identity information, it is described submit an expense account information and before the consumption information is sent to quotient's insurance system,
Obtain the synchronous information for obtaining quotient's factoring and paying for of request in the insured quotient guarantor of the user to be paid.
In conjunction with second aspect, in some possible embodiments, the first acquisition unit is also used to, described second
Transmission unit by the subscriber identity information, it is described submit an expense account information and before the consumption information is sent to quotient's insurance system,
The verification information that the user to be paid is obtained according to default verification condition, according to the verification information to the user to be paid
Identity carry out verifying verification.
The third aspect, the embodiment of the present application provide a kind of terminal device, including processor, memory, communication interface and
Bus, the processor, memory, communication interface are of coupled connections by bus, wherein the memory is for storing computer
Program, the computer program include program instruction, and the processor is communicated, simultaneously by communication interface and external system
The processor is configured for calling described program instruction, executes above-mentioned first aspect and/or any possibility of first aspect
Embodiment provided by medical expense settlement method.
Fourth aspect, the embodiment of the present application provide a kind of computer readable storage medium, the computer storage medium
It is stored with computer program, the computer program includes program instruction, and described program instruction makes institute when being executed by a processor
State the knot that processor executes medical expense provided by above-mentioned first aspect and/or any possible embodiment of first aspect
Calculation method.
Using technical solution provided in an embodiment of the present invention, when being settled accounts, can be submitted an expense account according to consumption information, medical insurance
Information and quotient's factoring pay for information and determine the payable amount of money of user to be paid, and the technical solution is when being settled accounts to medical insurance
Reimbursement and the compensation of quotient's factoring are all handled, and after clearing, user does not have to hold consumer bills again to Shang Bao company progress quotient's factoring
It pays for, simplifies process, improve efficiency.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to needed in the embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for ability
For the those of ordinary skill of domain, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is a kind of framework schematic diagram of the settlement system of medical expense disclosed by the embodiments of the present invention.
Fig. 2A is a kind of flow diagram of the settlement method of medical expense disclosed by the embodiments of the present invention.
Fig. 2 B is the flow diagram of the settlement method of another medical expense disclosed by the embodiments of the present invention.
Fig. 3 is a kind of structural schematic diagram of the checkout apparatus of medical expense disclosed by the embodiments of the present invention.
Fig. 4 is a kind of structural schematic diagram of terminal device disclosed by the embodiments of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that the described embodiment is only a part of the embodiment of the present invention, instead of all the embodiments.Based on this
Embodiment in invention, every other reality obtained by those of ordinary skill in the art without making creative efforts
Example is applied, shall fall within the protection scope of the present invention.
The embodiment of the invention discloses a kind of settlement method of medical expense, checkout apparatus and terminal device, the present invention is real
The technical solution for applying example offer simplifies settlement process, improves settlement efficiency.
In order to be best understood from settlement method and device disclosed by the embodiments of the present invention, first the embodiment of the present invention is applicable in below
System architecture be described.Referring to Fig. 1, Fig. 1 is a kind of settlement system of medical expense disclosed by the embodiments of the present invention
Framework schematic diagram.In system architecture shown in Fig. 1, settlement system includes: that checkout apparatus 101, medicare system 102 and quotient protect
System 103.Wherein, medical insurance refers to medical security, and it is business insurance that quotient, which protects,.Checkout apparatus 101 passes through network and medicare system 102
It is communicated with quotient's insurance system 103.Specifically, when user 100 is settled accounts by checkout apparatus 101, checkout apparatus 101 is first obtained
User information is taken, user information includes subscriber identity information and consumption information；Then checkout apparatus 101 by subscriber identity information and
Consumption information is sent to medicare system 102, and medicare system 102 is determined according to medical insurance policies, subscriber identity information and consumption information
Medical insurance is to the reimbursed sum of user, after checkout apparatus 101 obtains the information of submitting an expense account to user that medicare system 102 determines,
By subscriber identity information, medical insurance submit an expense account information and consumption information is sent to quotient's insurance system 103, quotient's insurance system 103 is to use
The quotient that family is insured and the user requests synchronization gain quotient factoring to be paid for protects the corresponding system of business；103 basis of quotient's insurance system
Subscriber identity information inquires the insured information of user, specifically, according to the insured contract of user, consumption information and the reimbursement of medical insurance expense
Determine that quotient protects amount for which loss settled with information, checkout apparatus 101 obtains the information that quotient's factoring that quotient's insurance system 103 determines is paid for；Finally, knot
It calculates device 101 and the payable amount of money of user is determined according to consumption information, the social security information that information and quotient's factoring are paid for of submitting an expense account.By
The expense that the expense and quotient's factoring that social security reimbursement has been deducted in the amount of money of user's payment are paid for, user do not have to first pay for correlation first
Expense arrives social security mechanism again and quotient's factoring pays for mechanism and obtains the expense paid for first, therefore, technical side provided in an embodiment of the present invention
Case simplifies the settlement process of medical expense, improves the settlement efficiency of medical expense.
The framework schematic diagram of settlement system based on medical expense shown in FIG. 1, the embodiment of the invention discloses one kind
The settlement method of medical expense.Fig. 2A is please referred to, Fig. 2A is a kind of settlement method of medical expense disclosed by the embodiments of the present invention
Flow diagram.As shown in Figure 2 A, the settlement method of the medical expense may comprise steps of.
201, the user information of user to be paid is obtained, the user information includes subscriber identity information and consumption information.
In some possible embodiments, the identity information of user to be paid can be obtained by acquisition device；According to
The identity information obtains the consumption information of the user to be paid from database.It is used for example, can be scanned by scanning device
The medical insurance card at family reads subscriber identity information from medical insurance card, and the consumption information of user is then searched according to subscriber identity information,
It may include medical expense, inspection fee, the medical expenses etc. of user in consumption information, it should be noted that according to user institute
The case where social security policy, insured information, the consumption information of user and the user in possession area participate in business insurance, consumption information packet
It may include the part that social security can be submitted an expense account and the part that quotient guarantor can settle a claim in the expense included.
In some possible embodiments, it is also possible to user and holds medical sheet with personal information such as names, work
Make personnel and input the personal information such as the name gone to a doctor and shown on originally in settlement terminal according to the name in medical sheet, according to input
Personal information search the consumption information that records in the database of user.
In some possible embodiments, subscriber identity information is also possible to the finger print information and/or face letter of user
The biological nature information of the users such as breath, settlement system preserve the biological nature information of user gathered in advance, when clearing, when obtaining
After having taken the biological information of user, by being compared determining and biological characteristic with the biological nature of the user saved
The information such as the user identifier such as social security card number of information binding.
202, the subscriber identity information and the consumption information are sent to medicare system.
Medicare system receives and searches the insured information of user, medicare system according to subscriber identity information after subscriber identity information
Determine that medical insurance settles accounts corresponding consumption information to user and includes according to medical insurance policies, the insured information of user and the consumption information
The amount of money that medical insurance can submit an expense account in expense.For example, subscriber identity information can be social security card number, and medicare system obtains social security
After card number, the insured information of user corresponding with social security card number is searched in database is searched.For example it can determine the participation of user
Social security type, social security include Basic Medical Insurance for Urban Employees, basic medical security for urban residents cooperate with new village doctor
Treat etc..
203, the information of submitting an expense account of the user corresponding with the subscriber identity information of the medicare system feedback is obtained.
Wherein, medical insurance can in corresponding consumption information includes when settling accounts to user expense that information of submitting an expense account includes medical insurance
With the amount of money of reimbursement.
204, by the subscriber identity information, it is described submit an expense account information and the consumption information is sent to quotient's insurance system,
Quotient's insurance system is the quotient that the user to be paid is insured and the user to be paid requests synchronization gain quotient factoring to be paid for
The corresponding system of guarantor's business.
Quotient, which protects, to be referred to by insurance company's operation, profitable medical security.According to the principle of voluntary participation, user is according to one
Fixed number volume pays insurance money, and when encountering major disease, quotient's factoring that certain number can be obtained from insurance company is paid for.It is understood that
, if user has purchased, multiple quotient are protected and requirement synchronizes when obtaining the compensation of multiple quotient's factorings, respectively take subscriber identity information, reimbursement
The synchronous each quotient's insurance system for obtaining quotient's factoring and paying for of needs is sent to information and consumption information.
205, the information that quotient's insurance system is paid for according to quotient's factoring that the insured contract of the user to be paid determines is obtained.
It generally also includes multiple types that quotient, which protects, and different types of quotient protects, usually has differences to the Claims Resolution of user, Shang Baobao
It includes: major disease insurance, the insurance of high-incidence major disease all risk insurance, in-patient reimbursement, unexpected medical insurance etc..It should be understood that if with
When family has purchased multiple quotient guarantors and the synchronous acquisition of request multiple quotient's factorings compensation, the request for summarizing acquisition, which synchronizes, obtains multiple quotient's factorings
Quotient's factoring of compensation pays for information.
206, according to the consumption information, the information that information and quotient's factoring are paid for of submitting an expense account determine it is described to
Pay the payable amount of money of user.
It is determined according to the consumption information, the information that information and quotient's factoring are paid for of submitting an expense account described to be paid
The payable amount of money of user, comprising: spending amount is subtracted the amount of money submitted an expense account subtract quotient's factoring compensation the amount of money after more than
Volume is determined as the payable amount of money of user to be paid, and spending amount is determined that the amount of money submitted an expense account is by reimbursement expense by consumption information
It is determined with information, the amount of money that quotient's factoring is paid for is determined by the information that quotient's factoring is paid for.
Using technical solution provided in an embodiment of the present invention, when being settled accounts, can be submitted an expense account according to consumption information, medical insurance
Information and quotient's factoring pay for information and determine user's amount of money to be paid, the technical solution when being settled accounts to medical insurance reimbursement and
The compensation of quotient's factoring is all handled, and after clearing, user does not have to hold consumer bills again to the progress quotient's factoring compensation of Shang Bao company, is simplified
Process, improves efficiency.
Fig. 2 B is please referred to, Fig. 2 B is the process signal of the settlement method of another medical expense disclosed by the embodiments of the present invention
Figure.Difference with Fig. 2A corresponding embodiment is that embodiment adds step 204 ' of the authentication to user, and obtain
Take synchronous step 205 ' for obtaining the compensation of quotient's factoring of family request specifically, as shown in Figure 2 B, the settlement method of the medical expense can
To include the following steps.
201 ', the user information for obtaining user to be paid, the user information includes subscriber identity information and consumption information.
In some possible embodiments, the identity information of user to be paid can be obtained by acquisition device；According to
The identity information obtains the consumption information of the user to be paid from database.It is used for example, can be scanned by scanning device
The medical insurance card at family reads subscriber identity information from medical insurance card, and the consumption information of user is then searched according to subscriber identity information,
It may include medical expense, inspection fee, the medical expenses etc. of user in consumption information, it should be noted that according to user institute
Belong to the case where social security policy for planning as a whole area, insured information, the consumption information of user and user participate in business insurance, consumption letter
It may include the part that social security can be submitted an expense account and the part that quotient guarantor can settle a claim in the expense that breath includes.
202 ', the subscriber identity information and the consumption information are sent to medicare system.
Medicare system receives and searches the insured information of user, medicare system according to subscriber identity information after subscriber identity information
Determine that medical insurance settles accounts corresponding consumption information to user and includes according to medical insurance policies, the insured information of user and the consumption information
The amount of money that medical insurance can submit an expense account in expense.
203 ', the letter of submitting an expense account for obtaining the user corresponding with the subscriber identity information that the medicare system is fed back
Breath.
Wherein, medical insurance can in corresponding consumption information includes when settling accounts to user expense that information of submitting an expense account includes medical insurance
With the amount of money of reimbursement.
204 ', the verification information that the user to be paid is obtained according to default verification condition, according to the verification information pair
The identity of the user to be paid carries out verifying verification.
The identity information to user can be increased before being settled accounts to improve the safety of medical expense clearing
The step of being verified specifically can preset verification condition, can pay for quotient's factoring when being settled accounts if being verified
Expense settled accounts together, the clearing of medical expense cannot be executed if if verifying, or medical insurance report can only be settled accounts
The expense of pin, the expense that quotient's factoring is paid for cannot settle accounts together.For example, preset condition can be the pre-set mobile phone of user
Number or verifying password, for verifying password, when user to be paid to sales counter carries out medical expense clearing, according to equipment
Prompt, if user's request settles accounts the expense of medical insurance reimbursement and the expense of quotient's factoring compensation together when settling accounts or uses householder
When the expense that the expense of medical insurance reimbursement is settled accounts in dynamic request when being settled accounts together and quotient's factoring is paid for, settlement device can be mentioned with voice
Show that user inputs preset verifying password, user can input character string by input unit, such as by keyboard, and user is defeated
The character string entered is compared with preset verifying password, the expense that can be submitted an expense account medical insurance if unanimously, being verified and quotient
The expense that factoring is paid for is settled accounts together.
205 ', the synchronous information for obtaining quotient's factoring and paying for of request in the insured quotient guarantor of the user to be paid is obtained.
In order to improve the safety of clearing, in the present embodiment, user to be paid can determine in insured quotient protects
The synchronous quotient's factoring that obtains of request is paid for.
206 ', by the subscriber identity information, described submit an expense account information and the consumption information is sent to quotient and protects system
System, quotient's insurance system are that the user to be paid is insured and the user to be paid requests synchronization gain quotient factoring to be paid for
Quotient protect the corresponding system of business.
It should be understood that if user has purchased, multiple quotient are protected and requirement synchronizes when obtaining the compensation of multiple quotient's factorings, will be used respectively
Family identity information, information of submitting an expense account and consumption information be sent to needs it is synchronous obtain quotient's factoring pay for each quotient's insurance system.
207 ', the letter that quotient's insurance system is paid for according to quotient's factoring that the insured contract of the user to be paid determines is obtained
Breath.
It should be understood that if user has purchased, multiple quotient are protected and request synchronizes when obtaining the compensation of multiple quotient's factorings, summarize acquisition
Request synchronous obtain quotient's factoring that multiple quotient's factorings are paid for and pay for information.
208 ', according to the consumption information, the information that information and quotient's factoring are paid for of submitting an expense account determine it is described to
Pay the payable amount of money of user.
It is determined according to the consumption information, the information that information and quotient's factoring are paid for of submitting an expense account described to be paid
The payable amount of money of user, comprising: spending amount is subtracted the amount of money submitted an expense account subtract quotient's factoring compensation the amount of money after more than
Volume is determined as the payable amount of money of user to be paid, and spending amount is determined that the amount of money submitted an expense account is by reimbursement expense by consumption information
It is determined with information, the amount of money that quotient's factoring is paid for is determined by the information that quotient's factoring is paid for.
Using technical solution provided in an embodiment of the present invention, when being settled accounts, can be submitted an expense account according to consumption information, medical insurance
Information and quotient's factoring pay for information and determine user's amount of money to be paid, the technical solution when being settled accounts to medical insurance reimbursement and
The compensation of quotient's factoring is all handled, and after clearing, user does not have to hold consumer bills again to the progress quotient's factoring compensation of Shang Bao company, is simplified
Process, improves efficiency, in addition, carrying out the safety that verifying improves clearing by the identity to user to be paid；Wait prop up
Paying user request can synchronize the information for obtaining quotient's factoring and paying in insured quotient protects, and increase the flexibility of clearing.
The embodiment of the invention also discloses a kind of checkout apparatus, referring to Fig. 3, Fig. 3 is disclosed by the embodiments of the present invention
A kind of structural schematic diagram of checkout apparatus 300.As shown in figure 3, checkout apparatus 300 may include: first acquisition unit 301,
One transmission unit 302, second acquisition unit 303, the second transmission unit 304, third acquiring unit 305 and determination unit 306,
In,
First acquisition unit 301, for obtaining the user information of user to be paid, the user information includes user identity
Information and consumption information.In some possible embodiments, the identity information of user can be obtained by acquisition device；According to
The identity information obtains the consumption information of the user from database.For example, the doctor of user can be scanned by scanning device
Card is protected, subscriber identity information is read from medical insurance card, is then searched and is serviced according to subscriber identity information.
In some possible embodiments, it is also possible to user and holds medical sheet with personal information such as names, work
Make personnel according to the name in medical sheet inputted in settlement terminal also can better personal information such as name, according to of input
The consumption information that people information searching user records in the database.
It should be noted that consumption information can be every inspection, treatment or the drug that record user spends in hospital
Deng information and corresponding expense.
In some possible embodiments, subscriber identity information is also possible to the finger print information and/or face letter of user
The biological nature information of the users such as breath, settlement system preserve the biological nature information of user gathered in advance, when clearing, when obtaining
After having taken the biological information of user, by being compared determining and biological characteristic with the biological nature of the user saved
The information such as the user identifier such as social security card number of information binding.
In some possible embodiments, first acquisition unit 301 is also used to, the second transmission unit 304 will be described
Subscriber identity information, it is described submit an expense account information and the consumption information is sent to before quotient's insurance system, obtained the user
Insured quotient requests the synchronous information for obtaining quotient's factoring and paying in protecting.
First transmission unit 302, for sending the subscriber identity information and the consumption information to medicare system.Medical insurance
System receives and searches the insured information of user according to subscriber identity information after subscriber identity information, and medicare system is according to medical insurance political affairs
Plan, the insured information of user and the consumption information determine that medical insurance in the expense that corresponding consumption information includes is settled accounts in medical insurance to user
The amount of money that can be submitted an expense account.
Second acquisition unit 303, for obtaining the use corresponding with the subscriber identity information of the medicare system feedback
The information of submitting an expense account at family；Wherein, information of submitting an expense account includes the expense that corresponding consumption information includes when user is settled accounts in medical insurance
The amount of money that can be submitted an expense account with middle medical insurance.
Second transmission unit 304, for believing the subscriber identity information, submit an expense account information and the consumption
Breath is sent to quotient's insurance system, and quotient's insurance system is that the user to be paid is insured and user's request to be paid is same
Step obtains the quotient that quotient's factoring is paid for and protects the corresponding system of business.It should be understood that if user to be paid has purchased multiple quotient and protects and want
When step of seeking common ground obtains the compensation of multiple quotient's factorings, subscriber identity information, information of submitting an expense account and consumption information are sent to needs respectively
The synchronous each quotient's insurance system for obtaining quotient's factoring and paying for.
Third acquiring unit 305 is determined for obtaining quotient's insurance system according to the insured contract of the user to be paid
Quotient's factoring pay for information.It should be understood that if user has purchased, multiple quotient are protected and requirement synchronizes when obtaining the compensation of multiple quotient's factorings,
Summarize the synchronous quotient's factoring compensation information for obtaining multiple quotient's factorings and paying for of requirement of acquisition.
Determination unit 306, for the letter according to the consumption information, the submit an expense account information and quotient's factoring compensation
Breath determines the payable amount of money of user to be paid.
It is determined according to the consumption information, the information that information and quotient's factoring are paid for of submitting an expense account described to be paid
The payable amount of money of user, comprising: spending amount is subtracted the amount of money submitted an expense account subtract quotient's factoring compensation the amount of money after more than
Volume is determined as user's amount of money to be paid, and spending amount is determined that the amount of money submitted an expense account is by information of submitting an expense account by consumption information
It determines, the amount of money that quotient's factoring is paid for is determined by the information that quotient's factoring is paid for.
Using technical solution provided in an embodiment of the present invention, when being settled accounts, can be submitted an expense account according to consumption information, medical insurance
Information and quotient's factoring pay for information and determine user's amount of money to be paid, the technical solution when being settled accounts to medical insurance reimbursement and
The compensation of quotient's factoring is all handled, and after clearing, user does not have to hold consumer bills again to the progress quotient's factoring compensation of Shang Bao company, is simplified
Process, improves efficiency.
In some possible embodiments, it can further include authentication unit, being used for will in the first transmission unit
Subscriber identity information and the consumption information are sent to before medicare system, obtain the use to be paid according to default verification condition
The verification information at family carries out verifying verification according to identity of the verification information to the user to be paid.
In some possible embodiments, subscriber identity information and the consumption information are sent in the first transmission unit
To before medicare system, first acquisition unit is also used to, and obtains the synchronous acquisition quotient of request in the insured quotient guarantor of user to be paid
The information that factoring is paid for.
Referring to fig. 4, Fig. 4 is a kind of structural schematic diagram of terminal device provided by the embodiments of the present application.As shown in figure 4, this
Terminal device 400 in embodiment may include: processor 401, memory 402, communication interface 403 and bus 404, processor
401, memory 402, communication interface 403 are of coupled connections by bus 404, wherein memory 402 is for storing computer journey
Sequence, computer program include program instruction, and processor communicated by communication interface and external system, the processor simultaneously
It is configured for calling described program instruction, perform the following operations:
The user information of user to be paid is obtained, the user information includes subscriber identity information and consumption information；
The subscriber identity information and the consumption information are sent to medicare system；
Obtain the information of submitting an expense account of the user corresponding with the subscriber identity information of the medicare system feedback；
By the subscriber identity information, it is described submit an expense account information and the consumption information is sent to quotient's insurance system, it is described
Quotient's insurance system is the Shang Baoye that the user to be paid is insured and the user to be paid requests synchronization gain quotient factoring to be paid for
It is engaged in corresponding system；
Obtain the information that quotient's insurance system is paid for according to quotient's factoring that the insured contract of the user to be paid determines；
In some possible embodiments, processor 401 obtains the user information of user to be paid, may include: logical
Cross the identity information that acquisition device obtains user to be paid；Disappearing for user to be paid is obtained from database according to the identity information
Charge information.
In some possible embodiments, processor 401 according to the consumption information, it is described submit an expense account information and
The information that quotient's factoring is paid for determines the payable amount of money of user to be paid, may include: to subtract spending amount to submit an expense account
The amount of money subtract the remaining sum after the amount of money of quotient's factoring compensation and be determined as the payable amount of money of user to be paid, the spending amount by
The consumption information determines that the amount of money submitted an expense account is determined by the information of submitting an expense account, the amount of money that quotient's factoring is paid for
It is determined by the information that quotient's factoring is paid for.
In some possible embodiments, processor 401 by the subscriber identity information, the information of submitting an expense account,
Before being sent to quotient's insurance system with the consumption information, following operation can also be performed: obtaining the insured quotient of the user and protect
The synchronous information for obtaining quotient's factoring and paying for of middle request.
In some possible embodiments, above-mentioned processor 401 can be central processing unit (central
Processing unit, CPU), which can also be other general processors, digital signal processor (digital
Signal processor, DSP), specific integrated circuit (application specific integrated circuit,
ASIC), ready-made programmable gate array (field-programmable gate array, FPGA) or other programmable logic
Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at
Reason device is also possible to any conventional processor etc..
Memory 402 may include read-only memory and random access memory, and provide instruction sum number to processor 401
According to.The a part of of memory 402 can also include nonvolatile RAM.For example, memory 402 can also store
The information of device type.
In some possible embodiments, above-mentioned terminal device can pass through each function mould of processor 401 built in it
Block executes the implementation as provided by each step in above-mentioned Fig. 2, and for details, reference can be made to realize provided by above-mentioned each step
Mode, details are not described herein.
Using technical solution provided in an embodiment of the present invention, when being settled accounts, can be submitted an expense account according to consumption information, medical insurance
Information and quotient's factoring pay for information and determine the payable amount of money of user, the technical solution when being settled accounts to medical insurance reimbursement and
The compensation of quotient's factoring is all handled, and after clearing, user does not have to hold consumer bills again to the progress quotient's factoring compensation of Shang Bao company, is simplified
Process, improves efficiency.
The embodiment of the present application also provides a kind of computer readable storage medium, which has meter
Calculation machine program, the computer program include program instruction, which realizes each in Fig. 2A or Fig. 2 B when being executed by processor
Settlement method provided by a step, for details, reference can be made to implementations provided by above-mentioned each step, and details are not described herein.
Above-mentioned computer readable storage medium can be the checkout apparatus or above-mentioned terminal that aforementioned any embodiment provides
The internal storage unit of equipment, such as the hard disk or memory of electronic equipment.The computer readable storage medium is also possible to the electricity
The plug-in type hard disk being equipped on the External memory equipment of sub- equipment, such as the electronic equipment, intelligent memory card (smart media
Card, SMC), secure digital (secure digital, SD) card, flash card (flash card) etc..Further, the calculating
Machine readable storage medium storing program for executing can also both including the electronic equipment internal storage unit and also including External memory equipment.The computer
Readable storage medium storing program for executing is for other programs and data needed for storing the computer program and the electronic equipment.The computer can
Reading storage medium can be also used for temporarily storing the data that has exported or will export.
Term " includes " and " having " and their any changes in following claims and specification and attached drawing
Shape, it is intended that cover and non-exclusive include.Such as contain the process, method of a series of steps or units, system, product or
Equipment is not limited to listed step or unit, but optionally further comprising the step of not listing or unit or optional
Ground further includes the other step or units intrinsic for these process, methods, product or equipment.Referenced herein " embodiment "
It is meant that a particular feature, structure, or characteristic described may be embodied at least one embodiment of the application in conjunction with the embodiments.
Each position in the description shows that the phrase might not each mean identical embodiment, nor mutual with other embodiments
The independent or alternative embodiment of reprimand.Those skilled in the art explicitly and implicitly understand, reality described herein
Applying example can combine with other embodiments.The term "and/or" used in present specification and the appended claims
Refer to any combination and all possible combinations of one or more of associated item listed, and including these combinations.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond scope of the present application.Method provided by the embodiments of the present application and relevant apparatus are provided referring to the embodiment of the present application
Method flow diagram and/or structural schematic diagram come what is described, can specifically be realized by computer program instructions method flow diagram and/or
The combination of each flow and/or block of structural schematic diagram and process and/or box in flowchart and/or the block diagram.This
A little computer program instructions can provide at general purpose computer, special purpose computer, Embedded Processor or other programmable datas
The processor of equipment is managed to generate a machine, so that holding by the processor of computer or other programmable data processing devices
Capable instruction generates for realizing in one box of one or more flows of the flowchart and/or structural schematic diagram or multiple sides
The device for the function of being specified in frame.These computer program instructions, which may also be stored in, is able to guide computer or other programmable datas
In processing equipment computer-readable memory operate in a specific manner, so that finger stored in the computer readable memory
It enables and generates the manufacture including command device, which realizes in one or more flows of the flowchart and/or structure
The function of being specified in schematic diagram one box or multiple boxes.These computer program instructions can also be loaded into computer or other
In programmable data processing device, so that executing series of operation steps on a computer or other programmable device in terms of generating
The processing that calculation machine is realized, so that instruction executed on a computer or other programmable device is provided for realizing in flow chart one
The step of function of being specified in a process or multiple processes and/or structural representation one box or multiple boxes.
Claims (10)
1. a kind of settlement method of medical expense, which is characterized in that described method includes following steps:
The user information of user to be paid is obtained, the user information includes subscriber identity information and consumption information；
The subscriber identity information and the consumption information are sent to medicare system；
Obtain the information of submitting an expense account of the user corresponding with the subscriber identity information of the medicare system feedback；
By the subscriber identity information, it is described submit an expense account information and the consumption information is sent to quotient's insurance system, the quotient protects
System is that the quotient that the user to be paid is insured and the user to be paid requests synchronization gain quotient factoring to be paid for protects business pair
The system answered；
Obtain the information that quotient's insurance system is paid for according to quotient's factoring that the insured contract of the user to be paid determines；
The user to be paid is determined according to the consumption information, the information that information and quotient's factoring are paid for of submitting an expense account
The payable amount of money.
2. the method according to claim 1, wherein the user information for obtaining user to be paid, comprising:
The identity information of user to be paid is obtained by acquisition device；
The consumption information of the user to be paid is obtained from database according to the identity information.
3. the method according to claim 1, wherein described according to the consumption information, the letter of submitting an expense account
The information that breath and quotient's factoring are paid for determines the payable amount of money of user to be paid, comprising:
Spending amount is subtracted the amount of money submitted an expense account subtract quotient's factoring compensation the amount of money after remaining sum be determined as it is described to be paid
The payable amount of money of user, the spending amount are determined that the amount of money submitted an expense account is by the reimbursement by the consumption information
Cost information determines that the amount of money that quotient's factoring is paid for is determined by the information that quotient's factoring is paid for.
4. method according to any one of claims 1 to 3, which is characterized in that it is described by the subscriber identity information, it is described
Information of submitting an expense account and the consumption information are sent to before quotient's insurance system, the method also includes:
Obtain the synchronous information for obtaining quotient's factoring and paying for of request in the insured quotient guarantor of the user to be paid.
5. method according to any one of claims 1 to 3, which is characterized in that it is described by the subscriber identity information, it is described
Information of submitting an expense account and the consumption information are sent to before quotient's insurance system, the method also includes:
The verification information that the user to be paid is obtained according to default verification condition, according to the verification information to described to be paid
The identity of user carries out verifying verification.
6. a kind of checkout apparatus of medical expense, which is characterized in that described device includes: first acquisition unit, the first transmission list
Member, second acquisition unit, the second transmission unit, third acquiring unit and determination unit, wherein
The first acquisition unit, for obtaining the user information of user to be paid, the user information includes user identity letter
Breath and consumption information；
First transmission unit, for sending the subscriber identity information and the consumption information to medicare system；
The second acquisition unit, for obtaining the user corresponding with the subscriber identity information of medicare system feedback
It submits an expense account information；
Second transmission unit, for sending out the subscriber identity information, information and the consumption information of submitting an expense account
Give quotient's insurance system, quotient's insurance system is that the user to be paid is insured and user's request to be paid is synchronized and obtained
It obtains the quotient that quotient's factoring is paid for and protects the corresponding system of business；
The third acquiring unit, the quotient determined for obtaining quotient's insurance system according to the insured contract of the user to be paid
The information that factoring is paid for；
The determination unit, for true according to the consumption information, the information that information and quotient's factoring are paid for of submitting an expense account
The fixed payable amount of money of user to be paid.
7. device according to claim 6, which is characterized in that
The first acquisition unit is specifically used for, and the identity information of user to be paid is obtained by acquisition device；According to the body
Part information obtains the consumption information of the user to be paid from database.
8. device according to claim 6, which is characterized in that
The determination unit is specifically used for, spending amount is subtracted the amount of money submitted an expense account subtract quotient's factoring compensation the amount of money after
Remaining sum is determined as the payable amount of money of user to be paid, and the spending amount is determined by the consumption information, the reimbursement
The amount of money of expense is determined that the amount of money that quotient's factoring is paid for is determined by the information that quotient's factoring is paid for by the information of submitting an expense account.
9. a kind of terminal device, which is characterized in that including processor, memory, communication interface and bus, the processor, institute
State memory, the communication interface is of coupled connections by the bus, wherein the memory is used to store computer program,
The computer program includes program instruction, and the processor is communicated by communication interface and external system, is described simultaneously
Processor is configured for calling described program instruction, executes the clearing of medical expense as described in any one in claim 1-5
Method.
10. a kind of computer readable storage medium, which is characterized in that the computer storage medium is stored with computer program,
The computer program includes program instruction, and described program instruction makes the processor execute such as right when being executed by a processor
It is required that the settlement method of the described in any item medical expenses of 1-5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811530220.XA CN109785095A (en) | 2018-12-13 | 2018-12-13 | A kind of settlement method of medical expense, checkout apparatus and terminal device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811530220.XA CN109785095A (en) | 2018-12-13 | 2018-12-13 | A kind of settlement method of medical expense, checkout apparatus and terminal device |
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| CN109785095A true CN109785095A (en) | 2019-05-21 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811530220.XA Pending CN109785095A (en) | 2018-12-13 | 2018-12-13 | A kind of settlement method of medical expense, checkout apparatus and terminal device |
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| CN110705976A (en) * | 2019-10-09 | 2020-01-17 | 重庆特斯联智慧科技股份有限公司 | Intelligent medical settlement method and system based on big data, electronic equipment and storage medium |
| CN110796558A (en) * | 2019-11-08 | 2020-02-14 | 泰康保险集团股份有限公司 | Multi-party management method and system for insurance settlement |
| CN110992191A (en) * | 2019-11-25 | 2020-04-10 | 泰康保险集团股份有限公司 | Medical insurance claim settlement information processing method, device, equipment and storage medium |
| CN111047452A (en) * | 2019-11-22 | 2020-04-21 | 泰康保险集团股份有限公司 | Insurance expense settlement data processing method, insurance expense settlement data processing device, insurance expense settlement medium and electronic equipment |
| CN111222997A (en) * | 2020-01-06 | 2020-06-02 | 泰康保险集团股份有限公司 | Medical insurance claim settlement method, device, equipment and storage medium |
| CN111553798A (en) * | 2020-03-31 | 2020-08-18 | 万达信息股份有限公司 | System and method for direct claims of merchant and insurance |
| CN112308552A (en) * | 2020-06-29 | 2021-02-02 | 北京沃东天骏信息技术有限公司 | Ordering method and device for medical insurance medicines |
| CN112767182A (en) * | 2021-01-14 | 2021-05-07 | 中国工商银行股份有限公司 | Block chain based insurance claim settlement method and apparatus, computing device and medium |
| CN113469821A (en) * | 2020-03-31 | 2021-10-01 | 北京金山云网络技术有限公司 | Medical settlement method and device and electronic equipment |
| CN113689169A (en) * | 2021-08-29 | 2021-11-23 | 上海舵衔数字科技中心 | Management system for medicine purchase |
| CN113823388A (en) * | 2021-08-29 | 2021-12-21 | 上海舵衔数字科技中心 | Medicine purchasing and paying system |
| CN114723575A (en) * | 2022-06-07 | 2022-07-08 | 武汉金豆医疗数据科技有限公司 | Reimbursement method and device for diagnosis and treatment cost, electronic equipment and storage medium |
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| CN110705976A (en) * | 2019-10-09 | 2020-01-17 | 重庆特斯联智慧科技股份有限公司 | Intelligent medical settlement method and system based on big data, electronic equipment and storage medium |
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| CN113469821A (en) * | 2020-03-31 | 2021-10-01 | 北京金山云网络技术有限公司 | Medical settlement method and device and electronic equipment |
| CN111553798A (en) * | 2020-03-31 | 2020-08-18 | 万达信息股份有限公司 | System and method for direct claims of merchant and insurance |
| CN112308552A (en) * | 2020-06-29 | 2021-02-02 | 北京沃东天骏信息技术有限公司 | Ordering method and device for medical insurance medicines |
| CN112767182A (en) * | 2021-01-14 | 2021-05-07 | 中国工商银行股份有限公司 | Block chain based insurance claim settlement method and apparatus, computing device and medium |
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| CN113689169A (en) * | 2021-08-29 | 2021-11-23 | 上海舵衔数字科技中心 | Management system for medicine purchase |
| CN113823388A (en) * | 2021-08-29 | 2021-12-21 | 上海舵衔数字科技中心 | Medicine purchasing and paying system |
| CN113689169B (en) * | 2021-08-29 | 2023-10-03 | 上海舵衔数字科技中心 | Management system for medicine purchase |
| CN113823388B (en) * | 2021-08-29 | 2024-05-07 | 上海舵衔数字科技中心 | Medicine purchasing payment system |
| CN114723575A (en) * | 2022-06-07 | 2022-07-08 | 武汉金豆医疗数据科技有限公司 | Reimbursement method and device for diagnosis and treatment cost, electronic equipment and storage medium |
| CN114723420A (en) * | 2022-06-07 | 2022-07-08 | 武汉金豆医疗数据科技有限公司 | Medical insurance, business and insurance integrated auditing method and device, electronic equipment and storage medium |
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