CN110163515A - A kind of medical emergency salvage system and method based on internet platform application - Google Patents
A kind of medical emergency salvage system and method based on internet platform application Download PDFInfo
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- CN110163515A CN110163515A CN201910445454.2A CN201910445454A CN110163515A CN 110163515 A CN110163515 A CN 110163515A CN 201910445454 A CN201910445454 A CN 201910445454A CN 110163515 A CN110163515 A CN 110163515A
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Abstract
The present invention relates to a kind of medical emergency salvage systems and method based on internet platform application.It specifically includes that user hand generator terminal, Platform Server and bank reference platform, and the user hand generator terminal is connected with the Platform Server, and the Platform Server is connected with the bank reference platform, and the bank reference platform is connected with the user hand generator terminal.The present invention constructs quick medical treatment & health debt-credit channel, receive user borrow loan application after, according to the family relationship net of user, health medical treatment expense is shared jointly by family adult member, reduces finance debt-credit risk, solved sufferer and raise funds problem.And can be analyzed by data, further improve individual credit system.
Description
Technical field
The present invention relates to informationization technology necks, more particularly to the medical emergency salvage system applied based on internet platform
And method.
Background technique
Health Expenditure level also remained double-digit speedup in recent years per capita for China, from 1490 yuan of increasings in 2010
2952 yuan of long to 2015, annual average compound growth rate reaches 14.7%, increases considerably beyond GDP.Along with inhabitant's consumption level
It improves, medical services consumption further upgrading, patient not only buys domestic medical services, and the purchase of external medical services is also more next
It is more.
Some nationals are gradually reduced the dependency degree of medical insurance simultaneously, pay close attention to medical insurance in the past either with or without covering, are more concerned about now
Quality of medical care.More and more its people are ready that the drug made good use of, instrument are even abroad seen a doctor, so that Medical Consumption be driven to mention
It rises；On the one hand, the trend of Chinese society's aging of population is more and more obvious, and medical expense greatly improves, and medical insurance covers system not
Break perfect, the potential market demand of medical services is huge.
The continuous of the rigid demand of medical services, the promotion of the level of consumption and aging society is added in view of its people
The subdivision field of play, internet and each health medical treatment, which will welcome, rapidly to be increased.
In current consumption credit, housing loan, credit card, vehicle borrow occupy 90% or so market；Internet electric business platform
Consumer finance service is concentrated mainly on daily necessity and communication two major classes；Shorter mention is consumed in medical services.
Summary of the invention
Based on this, it is necessary to aiming at the problem that traditional network loan platform lacks medical treatment debt-credit service, provide one kind and be based on
The medical emergency salvage system of internet platform application.
A kind of medical emergency salvage system based on internet platform application,
It include: user hand generator terminal, Platform Server and bank reference platform, the user hand generator terminal and the Platform Server phase
Even, the Platform Server is connected with the bank reference platform, and the bank reference platform is connected with the user hand generator terminal,
The user hand generator terminal is used to upload the information of kinsfolk to Platform Server, and for submitting to Platform Server
The beneficiary that medical treatment & health loan application and this medical treatment are borrowed money；
The Platform Server is used for according to the information assembly family relationship net of kinsfolk received, and according to receiving
Loaning bill information is pushed to the user hand generator terminal of the relatives of beneficiary by medical treatment & health loan application, when Platform Server receives parent
After information is shared in the medical treatment loaning bill confirmation that the user hand generator terminal of category is sent, medical confirmation of borrowing money is shared information hair by Platform Server
Give bank reference platform；
The bank reference platform shares information for receiving the medical treatment loaning bill confirmation, and shares letter according to medical confirmation of borrowing money
Breath inquires the credit record of the bank of corresponding borrower and can use loaning bill amount, according to the credit record and can use amount issued
Degree, calculates the expense shared needed for each borrower and pushes to Platform Server, and Platform Server is by each borrower institute
The expense that need to be shared is sent to the user hand generator terminal of corresponding borrower, and the bank reference platform borrows money the medical treatment & health
Apply for that corresponding fund is issued to the exclusive account of Notified body, for settling accounts.
Above system can provide medical treatment debt-credit service, and the function that can carry out sharing loan by relatives mitigates loan pressure
Power enables beneficiary to enjoy medical services in time.It is also beneficial to construct quickly medical treatment debt-credit channel.
The user hand generator terminal is also used to refund detail being sent to Platform Server in one of the embodiments, puts down
Platform server is for storing the refund detail.
In this way due to calculating individual morality's system comprehensive score based on corresponding data.
The Platform Server judges computation model for establishing contribution in one of the embodiments, comments according to contribution
Sentence the value that computation model calculates the following factor: credit history value, contractual capacity value, Behavior preference value, relationship among persons value, contribution refer to
The value of each factor is gone out individual morality's system comprehensive score multiplied by read group total after respective weight by number, and by the individual
Moral system comprehensive score is sent to the bank reference platform.
In this way, being conducive to further improve citizen's credit system.
The bank reference platform is using individual morality's system comprehensive score as individual in one of the embodiments,
One impact factor of credit and loaning bill amount.
A kind of medical emergency rescue skills based on internet platform application,
User uploads the information of kinsfolk by Financial Management service platform, and submits medical treatment & health loan application and the pen
The beneficiary that medical treatment is borrowed money；
The Financial Management service platform is according to the information assembly family relationship net of the kinsfolk received, and according to receiving
Medical treatment & health loan application loaning bill information is pushed to the relatives of beneficiary；
The relatives of beneficiary choose whether to share that the medical treatment & health loan application is corresponding to be borrowed by Financial Management service platform
Leisurely item；
After information is shared in the medical treatment loaning bill confirmation that Financial Management service platform receives relatives' transmission, Financial Management service platform
Medical treatment is borrowed money and confirms that sharing information is sent to banking system；
The banking system shares information for receiving the medical treatment loaning bill confirmation, and shares information according to medical confirmation of borrowing money and look into
It askes the credit record of the bank of corresponding borrower and loaning bill amount can be used, according to the credit record and loaning bill amount, meter can be used
The expense shared needed for each borrower is calculated, and the expense shared needed for each borrower is sent to Financial Management service and is put down
The expense shared needed for each borrower is sent to corresponding borrower, the banking system by platform, Financial Management service platform
The corresponding fund of the medical treatment & health loan application is issued to the exclusive account of Notified body, for settling accounts.
The borrower is refunded by Financial Management service platform in one of the embodiments, Financial Management clothes
Business platform stores refund detail.
In one of the embodiments, further include credit management service platform, is built on the credit management service platform
Computation model is judged in vertical contribution, judges the value that computation model calculates the following factor: credit history value, contractual capacity according to contribution
Value, Behavior preference value, relationship among persons value, contribution index there emerged a the value of each factor multiplied by read group total after respective weight
People's moral system comprehensive score, and individual morality's system comprehensive score is sent to the banking system.
The banking system is using individual morality's system comprehensive score as personal credit in one of the embodiments,
An and impact factor of loaning bill amount.
Detailed description of the invention
Fig. 1 is the schematic diagram of the medical emergency salvage system based on internet platform application of the embodiment of the present invention.
Fig. 2 be the embodiment of the present invention based on internet platform application medical emergency rescue skills moral judgement because
The generation type schematic diagram of son.
Specific embodiment
In order to make the foregoing objectives, features and advantages of the present invention clearer and more comprehensible, with reference to the accompanying drawing to the present invention
Specific embodiment be described in detail.Many details are explained in the following description in order to fully understand this hair
It is bright.But the invention can be embodied in many other ways as described herein, those skilled in the art can be not
Similar improvement is done in the case where violating intension of the present invention, therefore the present invention is not limited by the specific embodiments disclosed below.
It should be noted that it can directly on the other element when element is referred to as " being fixed on " another element
Or there may also be elements placed in the middle.When an element is considered as " connection " another element, it, which can be, is directly connected to
To another element or it may be simultaneously present centering elements.
Unless otherwise defined, all technical and scientific terms used herein and belong to technical field of the invention
The normally understood meaning of technical staff is identical.Term as used herein in the specification of the present invention is intended merely to description tool
The purpose of the embodiment of body, it is not intended that in the limitation present invention.Term " and or " used herein includes one or more phases
Any and all combinations of the listed item of pass.
As shown in Figure 1, the embodiment provides a kind of medical emergencies based on internet platform application to succour system
System, hardware may include: user hand generator terminal, Platform Server and bank reference platform.Corresponding software platform may include letter
With management service platform and Financial Management service platform.Credit management service platform is used for managerial credit information, it may include client
End and server-side.Financial Management service platform is for handling monetary matters, it may include client and server-side.Above-mentioned client can
It is mounted in user hand generator terminal.Server-side is mountable on Platform Server.
Specifically, the user hand generator terminal is connected with the Platform Server, the Platform Server and the bank are levied
Believe that platform is connected, the bank reference platform is connected with the user hand generator terminal, and the user hand generator terminal is used for platform service
Device uploads the information of kinsfolk, and for submitting medical treatment & health loan application and this medical treatment to borrow money to Platform Server
Beneficiary；The Platform Server is used for the information assembly family relationship net according to the kinsfolk received, and according to reception
To medical treatment & health loan application loaning bill information pushed to beneficiary relatives user hand generator terminal, when Platform Server receives
After sharing information to the medical treatment loaning bill confirmation that the user hand generator terminal of relatives is sent, medical confirmation of borrowing money is shared letter by Platform Server
Breath is sent to bank reference platform；The bank reference platform shares information for receiving medical treatment confirmation of borrowing money, and according to
Medical treatment, which is borrowed money, confirms that sharing information inquires the credit record for corresponding to the bank of borrower and can use loaning bill amount, according to the credit
Loaning bill amount is recorded and can be used, the expense shared needed for each borrower is calculated and pushes to Platform Server, platform service
The expense shared needed for each borrower is sent to the user hand generator terminal of corresponding borrower by device, and the bank reference platform will
The corresponding fund of the medical treatment & health loan application is issued to the exclusive account of Notified body, for settling accounts.
Above system can provide medical treatment debt-credit service, and the function that can carry out sharing loan by relatives mitigates loan pressure
Power enables beneficiary to enjoy medical services in time.It is also beneficial to construct quickly medical treatment debt-credit channel.
It should be noted that bank backstage is when calculating the expense shared needed for each borrower, if each borrower
Available loaning bill amount be more than or equal to and promise to undertake the expense shared, then it is each directly to promise to undertake that the expense shared is determined according to each borrower
The expense shared needed for a borrower.If the available loaning bill amount of some borrower is less than the expense promised to undertake and shared, at this moment may be used
The expense finally shared is determined according to available loaning bill amount.Alternatively, bank reference platform can send feedback letter to Platform Server
Breath, Platform Server send prompt information to each cost sharing human hair, prompt the bank of each cost sharing people that can use amount issued
Degree, and each cost sharing people is allowed to redefine respective contribution.
It should be noted that the information of above-mentioned medical treatment & health loan application includes curing to bank's loan application for Zhi Fuyu
Treat related expense.Above-mentioned includes: the expense of needs of checking UP with the related expense of medical treatment, and drug purchase or health care product etc. need
The expense wanted buys the expense etc. of auxiliary appliance in expense of the hospital for treatment.The information of above-mentioned medical treatment & health loan application
It may also include income people, the necessary informations such as use of the loan.
Above-mentioned beneficiary i.e. the service object of medical treatment & health loan application.For example, buying health care product, then father for father
Parent is beneficiary.The relatives of corresponding beneficiary include lineal relative and other relatives.For example, father is income people, then father
Lineal relative include: children, spouse, father parent etc..
Above-mentioned Notified body can be medical instrument sales mechanism, can be hospital, can be health care product marketing organization etc.
Deng.The information such as Notified body and account can be filled on medical treatment & health loan application.
Specifically, father is beneficiary if to buy health care product for father, then it can be by user hand generator terminal to platform
Server submit medical treatment & health loan application, Platform Server by the medical treatment & health loan application be sent to children, cooperation and
Parent of father et al..After children and Mate choice, which share this, borrows money, Platform Server shares medical treatment loaning bill confirmation
Information is sent to bank reference platform.The bank reference platform receives the medical treatment loaning bill confirmation and shares information, and according to doctor
It treats to borrow money and confirms that sharing information inquires the credit record for corresponding to the bank of borrower and can use loaning bill amount, borrower here
It is exactly children and spouse.Then according to the credit record and loaning bill amount can be used, calculates and shares needed for each borrower
Expense, and the expense shared needed for each borrower is sent to the user hand generator terminal of corresponding borrower.Namely it is sent to
The user hand generator terminal of children and spouse.For example it is sent on the mobile phone of children and spouse.The bank reference platform is by institute
It states the corresponding fund of medical treatment & health loan application and is issued to the exclusive account of Notified body, for settling accounts.Here Notified body can
To be specified health care product marketing organization.
In the present embodiment, the user hand generator terminal is also used to refund detail being sent to Platform Server, Platform Server
For storing the refund detail.
In the present embodiment, the Platform Server judges computation model for establishing contribution, judges according to contribution and calculates mould
Type calculates the value of the following factor: credit history value, contractual capacity value, Behavior preference value, relationship among persons value, contribution index, will be each
The value of a factor goes out individual morality's system comprehensive score multiplied by read group total after respective weight, and by individual morality's system
Comprehensive score is sent to the bank reference platform.
Such as: credit history value is 5, weight 0.2, and contractual capacity value is 6, weight 0.1, and Behavior preference value is 4, power
Weight is 0.1, relationship among persons value be 5, weight 0.1, contribution index 5, weight 0.5, then individual morality's system comprehensive score=
5*0.2+6*0.1+4*0.1+5*0.1+5*0.5=5, that is, individual morality's system comprehensive score of the user is 5.Score is got over
Height can indicate that credit grade is higher.Score is lower can to indicate that credit grade is lower.The weight of above-mentioned each factor can basis
Actual conditions carry out dynamic adjustment.
It should be understood that
The credit history include: credit card, housing loan, vehicle borrow refund detail, what above-mentioned medical treatment & health loan application was related to borrows
The refund detail of money, the credit detail etc. that predetermined hotel, reservation are called a taxi etc..There are many calculation methods of credit history value, such as
It can be stated that initial value is 0, refund on time then value plus 1 are called a taxi or are lived according to agreement hotel's then value plus 1, is late for refunding then
Value subtracts 1, and not calling a taxi or live in hotel according to agreement, then value subtracts 1.It can certainly calculate otherwise.Here it only lifts
Example.
The contractual capacity includes: whether that there are enough assets to pay off a loan or fulfil agreement etc..Contractual capacity value
Calculation method are as follows: if there is agreement is paid off a loan or fulfiled to enough assets, be then worth for one, be another value otherwise.Specifically
Value can be determines according to actual conditions.It can certainly calculate otherwise.Here it only illustrates.
The Behavior preference includes: to pay water power coal expense in all kinds of financial consumption platforms, for behaviors such as household's shopping.Row
For the calculation method of preference value are as follows: consumption online number is more, and value is higher, and consumption online number is fewer, is worth lower.Occurrence can
Determines according to actual conditions.It can certainly calculate otherwise.Here it only illustrates.
The relationship among persons include: whether stem family member also has good credit record.The calculating of relationship among persons value
Method are as follows: initial value 0, well then value adds 1 to the credit record of some kinsfolk, the credit record of some kinsfolk is bad
Then value subtracts 1.Above-mentioned specific value can be determines according to actual conditions.It can certainly calculate otherwise.Here it is
Citing.
The contribution index are as follows: promoter and the contribution proportion for sharing people.For example, children are elder in family relationship net
The ratio of contribution, if there are three children, respectively A, B and C by father, when father is sick, Operation Fee is shared in A initiation, and B and C have
It shares, A has shared 5000 yuan, and B shares 1000 yuan, and C shares 1000 yuan, and then, A has initiated to buy wheelchair for father, and A shares
1500, B have shared 200 yuan, and C does not share, and then, A has initiated the service item of purchase postoperative rehabilitation again, and A has shared 2000
Member, B and C do not share, then so far, the contribution that the contribution index of A is (5000+1500+2000)/10700=0.79, B refers to
The contribution index that number is 0.11, C is 0.1.It is of course also possible to which above-mentioned numerical value is amplified certain multiple, refer to as final contribution
Number, so as to convenience of calculation.
The different characteristic for including according to every attribute calculates final individual morality's system to the influence degree of scoring model
Comprehensive score.
In the present embodiment, the bank reference platform as personal credit and borrows individual morality's system comprehensive score
One impact factor of amount of money degree.
Via foregoing description it is found that above system of the invention constructs quick medical treatment & health debt-credit channel, used receiving
Family borrow loan application after, according to the family relationship net of user, health medical treatment expense is shared jointly by family adult member,
Finance debt-credit risk is reduced, sufferer is solved and raises funds problem.And can be analyzed by data, further improve personal credit body
System.In the system, kinsfolk's credit is shared, and record of refunding interacts, i.e., one is not refunded on schedule, all members in family
Loaning bill amount can decline, until owner all on schedule refund after can restore amount.Individual can be promoted more to treasure certainly
Oneself credit record.
The embodiments of the present invention also provide a kind of medical emergency rescue skills based on internet platform application, comprising:
S100, user upload the information of kinsfolk by Financial Management service platform, and submit medical treatment & health loan application
The beneficiary to borrow money with this medical treatment；
S200, the Financial Management service platform according to the information assembly family relationship net of the kinsfolk received, and according to
Loaning bill information is pushed to the relatives of beneficiary by the medical treatment & health loan application received；
S300, beneficiary relatives by Financial Management service platform to choose whether to share the medical treatment & health loan application corresponding
Loaning bill fund；
S400, borrowing money when the medical treatment that Financial Management service platform receives relatives' transmission confirms that Financial Management takes after sharing information
Business platform, which borrows money medical treatment, confirms that sharing information is sent to banking system；
S500, the banking system share information for receiving the medical treatment loaning bill confirmation, and are shared according to medical confirmation of borrowing money
Information inquires the credit record of the bank of corresponding borrower and can use loaning bill amount, according to the credit record and can use amount issued
Degree, calculates the expense shared needed for each borrower, and the expense shared needed for each borrower is sent to Financial Management
The expense shared needed for each borrower is sent to corresponding borrower, the silver by service platform, Financial Management service platform
The corresponding fund of the medical treatment & health loan application is issued to the exclusive account of Notified body by row system, for settling accounts.
In the present embodiment, the borrower is refunded by Financial Management service platform, the storage of Financial Management service platform
Deposit refund detail.
Further include credit management service platform in the present embodiment, contribution is established on the credit management service platform and is commented
Sentence computation model, judge the value that computation model calculates the following factor according to contribution: credit history value, contractual capacity value, behavior are inclined
Good value, relationship among persons value, contribution index, go out individual morality's system multiplied by read group total after respective weight for the value of each factor
Comprehensive score, and individual morality's system comprehensive score is sent to the banking system.In the present embodiment, the department of banking
System is using individual morality's system comprehensive score as an impact factor of personal credit and loaning bill amount.
Each technical characteristic of embodiment described above can be combined arbitrarily, for simplicity of description, not to above-mentioned reality
It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, all should be considered as described in this specification.
The embodiments described above only express several embodiments of the present invention, and the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to protection of the invention
Range.Therefore, the scope of protection of the patent of the invention shall be subject to the appended claims.
Claims (8)
1. a kind of medical emergency salvage system based on internet platform application, it is characterised in that:
It include: user hand generator terminal, Platform Server and bank reference platform, the user hand generator terminal and the Platform Server phase
Even, the Platform Server is connected with the bank reference platform, and the bank reference platform is connected with the user hand generator terminal,
The user hand generator terminal is used to upload the information of kinsfolk to Platform Server, and for submitting to Platform Server
The beneficiary that medical treatment & health loan application and this medical treatment are borrowed money；
The Platform Server is used for according to the information assembly family relationship net of kinsfolk received, and according to receiving
Loaning bill information is pushed to the user hand generator terminal of the relatives of beneficiary by medical treatment & health loan application, when Platform Server receives parent
After information is shared in the medical treatment loaning bill confirmation that the user hand generator terminal of category is sent, medical confirmation of borrowing money is shared information hair by Platform Server
Give bank reference platform；
The bank reference platform shares information for receiving the medical treatment loaning bill confirmation, and shares letter according to medical confirmation of borrowing money
Breath inquires the credit record of the bank of corresponding borrower and can use loaning bill amount, according to the credit record and can use amount issued
Degree, calculates the expense shared needed for each borrower and pushes to Platform Server, and Platform Server is by each borrower institute
The expense that need to be shared is sent to the user hand generator terminal of corresponding borrower, and the bank reference platform borrows money the medical treatment & health
Apply for that corresponding fund is issued to the exclusive account of Notified body, for settling accounts.
2. the medical emergency salvage system according to claim 1 based on internet platform application, which is characterized in that described
User hand generator terminal is also used to for refund detail being sent to Platform Server, and Platform Server is for storing the refund detail.
3. the medical emergency salvage system according to claim 1 based on internet platform application, which is characterized in that described
Platform Server judges computation model for establishing contribution, judges the value that computation model calculates the following factor: credit according to contribution
History value, contractual capacity value, Behavior preference value, relationship among persons value, contribution index, by the value of each factor multiplied by respective weight
Read group total goes out individual morality's system comprehensive score afterwards, and individual morality's system comprehensive score is sent to the bank and is levied
Believe platform.
4. the medical emergency salvage system according to claim 3 based on internet platform application, which is characterized in that described
Bank reference platform is using individual morality's system comprehensive score as an impact factor of personal credit and loaning bill amount.
5. a kind of medical emergency rescue skills based on internet platform application, which is characterized in that
User uploads the information of kinsfolk by Financial Management service platform, and submits medical treatment & health loan application and the pen
The beneficiary that medical treatment is borrowed money；
The Financial Management service platform is according to the information assembly family relationship net of the kinsfolk received, and according to receiving
Medical treatment & health loan application loaning bill information is pushed to the relatives of beneficiary；
The relatives of beneficiary choose whether to share that the medical treatment & health loan application is corresponding to be borrowed by Financial Management service platform
Leisurely item；
After information is shared in the medical treatment loaning bill confirmation that Financial Management service platform receives relatives' transmission, Financial Management service platform
Medical treatment is borrowed money and confirms that sharing information is sent to banking system；
The banking system shares information for receiving the medical treatment loaning bill confirmation, and shares information according to medical confirmation of borrowing money and look into
It askes the credit record of the bank of corresponding borrower and loaning bill amount can be used, according to the credit record and loaning bill amount, meter can be used
The expense shared needed for each borrower is calculated, and the expense shared needed for each borrower is sent to Financial Management service and is put down
The expense shared needed for each borrower is sent to corresponding borrower, the banking system by platform, Financial Management service platform
The corresponding fund of the medical treatment & health loan application is issued to the exclusive account of Notified body, for settling accounts.
6. the medical emergency rescue skills according to claim 5 based on internet platform application, which is characterized in that described
Borrower is refunded by Financial Management service platform, and Financial Management service platform stores refund detail.
7. the medical emergency rescue skills according to claim 5 based on internet platform application, which is characterized in that also wrap
Credit management service platform is included, contribution is established on the credit management service platform and judges computation model, is judged according to contribution
Computation model calculates the value of the following factor: credit history value, contractual capacity value, Behavior preference value, relationship among persons value, contribution refer to
Number, goes out individual morality's system comprehensive score multiplied by read group total after respective weight for the value of each factor, and by the individual
Moral system comprehensive score is sent to the banking system.
8. the medical emergency rescue skills according to claim 7 based on internet platform application, which is characterized in that described
Banking system is using individual morality's system comprehensive score as an impact factor of personal credit and loaning bill amount.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114897653A (en) * | 2022-05-18 | 2022-08-12 | 成都秦川物联网科技股份有限公司 | Smart city social rescue auditing method and system based on Internet of things |
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