CN110827019B - Block chain-based mobile medical insurance payment method, storage medium and computer equipment - Google Patents
Block chain-based mobile medical insurance payment method, storage medium and computer equipment Download PDFInfo
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- CN110827019B CN110827019B CN201911079749.9A CN201911079749A CN110827019B CN 110827019 B CN110827019 B CN 110827019B CN 201911079749 A CN201911079749 A CN 201911079749A CN 110827019 B CN110827019 B CN 110827019B
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
- G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
- G16H40/00—ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices
- G16H40/20—ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices for the management or administration of healthcare resources or facilities, e.g. managing hospital staff or surgery rooms
Abstract
The invention provides a block chain-based mobile medical insurance payment method, a storage medium and computer equipment, wherein the method comprises the following steps: building a mobile payment evidence storing chain, wherein the mobile payment evidence storing chain is provided with a plurality of medical institution nodes and a plurality of social institution nodes; the medical institution node is bound with a camera customized by the human-society institution node; the bound medical institution node acquires information of patient participating in insurance from the human-society institution node, and generates prescription information to be paid and treatment information according to the information of the patient participating in insurance; and the patient terminal for insurance carries out mobile medical insurance payment according to the prescription information to be paid to obtain mobile medical insurance payment information. The invention realizes real visiting without card of the insured person, and prevents fraud of medical insurance fund by non-fixed-point medical institution; the centralized management of the business and data in the overall area is realized, the unified management of the mobile medical insurance payment is realized, and the online payment and the offline payment are distinguished.
Description
Technical Field
The invention relates to the technical field of blockchain, in particular to a medical insurance mobile payment method, and specifically relates to a mobile medical insurance payment method based on blockchain, a storage medium and a computer device.
Background
In 12 months 1998, the State Council released a "decision on establishing the basic medical insurance system for the urban staff" (national issue [1998] 44) requiring the nationwide deployment of the gold insurance program. At present, a gold insurance engineering system is deployed in various market overall regions in a scattered manner, and businesses and data are managed and concentrated in the overall regions. The medical insurance payment adopts the off-line payment mode of the financial insurance project for many years, namely, the social security card held by the participant and the maintainer is used for the treatment of the fixed-point medical institution to carry out the real-time settlement of overall fund and personal self-payment.
With the coming of the mobile internet era, mobile payment has penetrated all walks of life, and some urban medical insurance management institutions also explore and try mobile medical insurance payment. In the process of examination, some solutions, such as directly setting an interface for a medical institution by a medical insurance bureau, binding a mobile phone APP (application program) with a social security card and carrying out living body authentication, appear, and the solutions do not form a unity on the convenience of medical insurance payment and the safety of medical insurance fund at present, and further research and discussion on management, safety and business process reconstruction of online medical insurance payment are urgently needed.
For example, the main form of the existing medical insurance mobile payment is as follows: the social security card is bound to the mobile phone, and after a doctor makes a prescription, the doctor can complete inter-diagnosis payment through the mobile phone. However, existing medical insurance payments suffer from at least the following disadvantages: 1. the online medical insurance payment mostly adopts the binding of a mobile phone APP and a social security card and carries out real-name authentication, and the method is characterized in that the mobile phone equipment and the social security card are strongly associated and bound, so that people and cards cannot be strongly associated and bound with a clinic scene, the closed loop fracture of the medical insurance payment business process can be caused, the hidden dangers of impersonation and hospitalization, bed hanging and the like are brought, and the risk is brought to the safety of medical insurance funds; 2. mobile medical insurance payment of the whole-process social insurance card cannot be realized in a real sense; 3. the mobile medical insurance payment is not managed uniformly in a coordinated area, a mode that a financial insurance system directly opens a medical insurance payment interface for a medical institution or a hospital directly calls the medical insurance payment interface to pay exists, and the two modes have the risk that a non-fixed-point medical institution (a fixed-point hospital and a fixed-point community hospital) pretends to serve as a fixed-point medical institution to forge the interface to carry out medical insurance fund embezzlement (if the non-fixed-point medical institution can take the interface number, the parameters and the like of the fixed-point medical institution, the non-fixed-point medical institution can pretend to serve as the fixed-point medical institution); in addition, without any exposed mobile medical insurance payment interface for security measures, the medical insurance fund is also at risk of being fraudulent; 4. the medical insurance payment information is centralized in the medical insurance bureau, and the public, transparent, non-falsifiable and non-repudiation of the data cannot be realized; 5. no special financial reconciliation platform is used for distinguishing and counting the online/offline payment conditions of the medical institution; 6. the medical institutions, equipment and individuals paying on the access line are not effectively managed, so that management images are disturbed; 7. the lack of evidence for identity authentication data and patient hospitalization data creates a number of difficulties for future auditing.
Therefore, there is a need for those skilled in the art to develop a mobile medical insurance payment method that realizes the real full process without social insurance card (card release) and fundamentally ensures the security of medical insurance fund.
Disclosure of Invention
In view of this, the technical problem to be solved by the present invention is to provide a block chain-based mobile medical insurance payment method, a storage medium, and a computer device, so as to solve the problem that the existing medical insurance mobile payment cannot be performed.
In order to solve the above technical problem, a specific embodiment of the present invention provides a mobile medical insurance payment method based on a block chain, including: building a mobile payment evidence storing chain, wherein the mobile payment evidence storing chain is provided with a plurality of medical institution nodes and a plurality of social institution nodes; the medical institution node is bound with a camera customized by the human-society institution node; the bound medical institution node acquires information of insured patients from the social institution node, and generates prescription information to be paid and doctor seeing information according to the information of the insured patients; and the patient terminal for insurance carries out mobile medical insurance payment according to the prescription information to be paid to obtain mobile medical insurance payment information.
Embodiments of the present invention also provide a storage medium having a computer program stored thereon, which, when executed by a processor, performs the steps of a block chain based mobile medical insurance payment method.
Embodiments of the present invention also provide a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the steps of the block chain based mobile medical insurance payment method when executing the computer program.
According to the above embodiments of the present invention, the block chain based mobile medical insurance payment method, the storage medium and the computer device have at least the following advantages: in the technical aspect: 1) the legal identity of the insured person is confirmed from the source (identity verification is carried out when diagnosis is started), namely, the medical treatment of the insured person is ensured by utilizing the technical means, the real card-off medical treatment of the insured person is realized, the insured person is ensured to seek medical treatment in the appointed medical institution, and the deception of medical insurance fund by a non-fixed-point medical institution is prevented; meanwhile, the social security identity and the welfare treatment standard of the participator in the service use state are determined by inquiring a social security service system (a gold security system) in real time so as to ensure the smooth operation of the medical security mobile payment service; 2) unified management of mobile medical insurance payment can replace a physical card inserting mode of a traditional POS machine to authorize a fixed-point medical institution, and carry out verification when in use, so that unified payment, fund supervision and financial management in all scenes (including but not limited to payment among doctors) of medical insurance payment are realized, and an ecological circle of mobile medical insurance payment is created; the newly added medical institution can meet the maximum requirement of the medical insurance online payment of the insured personnel at the minimum cost, and the safe and quick payment settlement service of the insured personnel is quickly established and met; 3) by utilizing the advantages of decentralization, non-falsification, transparent process, traceability and the like of the block chain technology, the method not only ensures clear authority of the business process data and is special for the special number, but also realizes the authenticity and traceability of the data application, and specifically comprises the following steps: by utilizing a PBFT (practical Byzantine fault-tolerant algorithm) mechanism in the consensus mechanism, the system safety is improved, and the system fault tolerance is solved; the operations of chaining and reading chains ensure the clear authority of the business process data; and the cochain of data such as authentication and payment amount ensures the data to be not tampered, ensures the safety of funds and is convenient for follow-up inspection.
In the application level: 1) the medical service quality and the medical experience of the patient are improved, the phenomena of difficult and troublesome medical visits (mainly focusing on 'three long and one short', namely long registration and waiting time, long payment team and short medical visit time) caused by public diseases for many years are solved, the efficiency of payment between diagnoses (during medical diagnosis) is improved on the basis of ensuring the medical visit of the patient, the burden of the personnel at the hospital window is reduced, and the service efficiency of the human society department (human resources and social security department) is improved; 2) the application takes the unified management of the department of human society as a basic principle, and establishes unified industrial standards, business processes and service specifications, all accessed medical institutions can be accessed and used by auditing and approving and authorizing parties of the department of human society, so that the stability and the orderliness of the medical insurance mobile payment business are guaranteed; 3) the system can be applied to inter-diagnosis payment, can be radiated to more business scenes for taking, can meet the service mode combined with medical treatment and medicine, and can be flexibly applied to the fields of business insurance, finance, credit investigation, Internet and the like in the future; 4) the authenticity, non-falsification and traceability of the survival authentication data and the result are ensured, and the authenticity of the inspection result is effectively ensured.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate exemplary embodiments of the invention and together with the description, serve to explain the principles of the invention.
Fig. 1 is a first flowchart of a block chain-based mobile medical insurance payment method according to an embodiment of the present invention.
Fig. 2 is a schematic composition diagram of a mobile payment evidence storing chain according to an embodiment of the present invention.
Fig. 3 is a second flowchart of a block chain-based mobile medical insurance payment method according to an embodiment of the present invention.
Fig. 4 is a third flowchart of a mobile medical insurance payment method based on a block chain according to an embodiment of the present invention.
Fig. 5 is a fourth flowchart of a mobile medical insurance payment method based on a block chain according to an embodiment of the present invention.
Fig. 6 is a block diagram of a mobile medical insurance payment system based on a block chain according to an embodiment of the present invention.
Fig. 7 is a schematic composition diagram of a human-agency organization node according to an embodiment of the present invention.
Description of the symbols:
1-person-society institution node 2-medical institution node
21 camera 3 participate in guarantor patient terminal
4 medical institution HIS system
Detailed Description
For the purpose of promoting a clear understanding of the objects, aspects and advantages of the embodiments of the invention, reference will now be made to the drawings and detailed description, wherein there are shown in the drawings and described in detail, various modifications of the embodiments described herein, and other embodiments of the invention will be apparent to those skilled in the art.
The exemplary embodiments of the present invention and the description thereof are provided to explain the present invention and not to limit the present invention. Additionally, the same or similar numbered elements/components used in the drawings and the embodiments are used to represent the same or similar parts.
As used herein, the terms "first," "second," …, etc., do not denote any order or sequence, nor are they used to limit the present invention, but rather are used to distinguish one element from another or from another element or operation described in the same technical language.
With respect to directional terminology used herein, for example: up, down, left, right, front or rear, etc., are simply directions with reference to the drawings. Accordingly, the directional terminology used is intended to be illustrative and is not intended to be limiting of the present teachings.
As used herein, the terms "comprising," "including," "having," "containing," and the like are open-ended terms that mean including, but not limited to.
As used herein, "and/or" includes any and all combinations of the described items.
References to "plurality" herein include "two" and "more than two"; reference to "multiple sets" herein includes "two sets" and "more than two sets".
As used herein, the terms "substantially", "about" and the like are used to modify any slight variation or error in quantity which does not materially alter the nature of the variation or error. In general, the range of minor variations or errors that such terms modify may be 20% in some embodiments, 10% in some embodiments, 5% in some embodiments, or other values. It should be understood by those skilled in the art that the aforementioned values can be adjusted according to actual requirements, and are not limited thereto.
Fig. 1 is a first flowchart of a block chain-based mobile medical insurance payment method according to an embodiment of the present invention; fig. 2 is a schematic composition diagram of a mobile payment evidence-storing chain according to a specific embodiment of the present invention, as shown in fig. 1 and fig. 2, the mobile payment evidence-storing chain has a plurality of medical institution nodes and a plurality of social institution nodes, after the medical institution nodes bind cameras customized by the social institution nodes, the medical institution nodes acquire information of insured patients from the social institution nodes, and generate prescription information to be paid and doctor information, and the insured patients perform mobile medical insurance payment according to the prescription information to be paid.
In the specific embodiment shown in the drawing, the block chain-based mobile medical insurance payment method includes:
step 101: and building a mobile payment evidence storage chain, wherein the mobile payment evidence storage chain is provided with a plurality of medical institution nodes and a plurality of social institution nodes. In the embodiment of the invention, the medical institutions include fixed-point hospitals, fixed-point community hospitals and the like. The human-society organization comprises various levels of human resources and social security departments. A social institution node corresponds to at least one medical institution node, and a medical institution may have a plurality of medical institution nodes.
Step 102: and the medical institution node is bound with a camera customized by the human-society institution node. In an embodiment of the invention, the camera has a chip and a GPS module, the chip having a unique chip number. Medical institution personnel install cameras customized by the human-society institution on a computer, and the cameras are bound with the computer.
Step 103: and the bound medical institution node acquires the information of the patient to be paid from the social institution node and generates prescription information to be paid and doctor seeing information according to the information of the patient to be paid. In the embodiment of the invention, each medical institution has a medical institution HIS system, the medical institution HIS (hospital Information system) system is a computer application system for Information management and online operation in hospital management and medical activities, the HIS is an Information management system covering all the services and the whole process of the services of the hospital, and the HIS provides the collection, storage, processing, extraction and data exchange capabilities of the patient diagnosis and treatment Information and the administrative management Information for all departments to which the hospital belongs by using an electronic computer and communication equipment and meets the functional requirements of authorized users. In the preferred embodiment of the invention, the camera can also be provided with a survival verification module for verifying whether the medical insurance patient is a living body when the medical insurance patient goes to a doctor, so that the risk of cheating the medical insurance fund is further reduced.
Step 104: and the patient terminal for insurance carries out mobile medical insurance payment according to the prescription information to be paid to obtain mobile medical insurance payment information. In the embodiment of the invention, the insurance-participating patient terminal is accessed to the community organization node, and the community organization node acquires all prescription information to be paid from all medical institutions HIS according to the insurance-participating patient information input by the insurance-participating patient terminal and performs medical expense payment according to the prescription information to be paid to obtain the mobile medical insurance payment information.
Referring to fig. 1 and 2, the medical insurance patient can be hospitalized without taking off the card in the whole process, the medical service quality and the hospitalization experience of the medical insurance patient are improved, the phenomena of difficulty and trouble in seeing the patient for years by public are solved, the efficiency of paying between diagnoses (during medical diagnosis) is improved on the basis of ensuring the patient to seek the medical service himself, the burden of the window personnel of the hospital is reduced, and the service efficiency of the department of society (human resources and social security department) is improved.
Fig. 3 is a second flowchart of a mobile medical insurance payment method based on a block chain according to a specific embodiment of the present invention, and as shown in fig. 3, a camera has a chip and a GPS module, the chip has a chip number, a medical institution node generates a unique authorization code according to the chip number, once the medical institution node is bound to the camera, the medical institution node must be unbound to the camera, the camera can bind a new medical institution node, and only one camera can be bound to one medical institution node.
In the embodiment shown in the drawing, step 102 specifically includes:
step 1021: the medical institution node generates an authorization code according to a chip number in a camera, wherein the camera is provided with a chip and a GPS module, and the chip is provided with the chip number. In the embodiment of the invention, a GPS (global positioning system) module is used for acquiring the position information of the camera, and if the camera is not in the area designated by the human-society institution, the camera is prohibited from being bound with the medical institution node.
Step 1022: and the medical institution node binds the authorization code, the position information, the chip number, the hard disk number, the network port number and the MAC address of the medical institution node together to generate binding information. In an embodiment of the present invention, the binding information indicates the medical institution node (e.g., computer, etc.) to which the camera is to be bound and the location of the camera.
Step 1023: and the human-society institution node binds the medical institution node and the camera according to the binding information. In the embodiment of the invention, only after the medical institution node and the camera are bound, the medical staff can see a doctor for the patient and the patient can settle the medical insurance.
Referring to fig. 3, after the medical institution nodes bind the cameras customized by the institutions of the society, medical staff can see a doctor for the patient and the patient can settle accounts for the medical insurance, so that the doctor can see a doctor by himself and the doctor can be seen without a card in the real sense, and the doctor can be seen in the appointed medical institution, and the fraud of medical insurance funds of non-fixed-point medical institutions (namely fixed-point hospitals and fixed-point community hospitals) is prevented.
Fig. 4 is a third flowchart of a block chain-based mobile medical insurance payment method according to an embodiment of the present invention, and as shown in fig. 4, before a terminal of a patient involved in medical insurance performs medical expense payment, real-name authentication registration on a node of a human-social institution and social insurance card information and a financial payment account for paying a personal medical expense are input.
In the embodiment shown in the drawing, before step 103, the method for mobile medical insurance payment based on block chains further includes:
step 102-1: and the insured patient terminal performs real-name authentication registration on the social institution node, and inputs social security card information and a financial payment account for paying personal medical fees so as to generate the insured patient information. In the embodiment of the invention, the financial payment account can be a payment account such as a bank card and a payment bank. The information of the insured patient at least comprises social security card information and a financial payment account.
Referring to fig. 4, the terminal of the insured patient can be a smart phone, a tablet personal computer, a Personal Digital Assistant (PDA) or the like, the insured patient downloads an APP from a node of a social institution or a website authorized by the social institution, registers and authenticates, inputs information such as social security card number and bank card number, and performs subsequent mobile payment for medical expenses, so that the maximum demand of medical security online payment of the insured person is met with the minimum cost, and the safe and fast payment settlement service of the insured person is quickly established and met.
Fig. 5 is a fourth flowchart of a mobile medical insurance payment method based on a block chain according to an embodiment of the present invention, and as shown in fig. 5, a medical institution node bound with a camera acquires information of insured patients from a human-society institution node, and generates prescription information to be paid and visit information according to the information of the insured patients.
In the embodiment shown in the drawing, step 103 specifically includes:
step 1031: and the human-social institution node acquires the position information and the binding information of the bound medical institution node, and performs identity verification on the bound medical institution node according to the position information and the binding information. In the embodiment of the invention, before medical personnel visit each patient, the human-social institution node verifies the position information and the binding information of the bound medical institution node.
Step 1032: the verified medical institution node acquires the information of the patient participating in the insurance from the social institution node, starts the camera to acquire the biological characteristic information of the patient currently in the visit, and sends the information of the patient participating in the insurance and the biological characteristic information to the corresponding social institution node. In the embodiment of the invention, the biological feature information comprises face feature information, iris information and the like.
Step 1033: and the community institution node performs identity authentication on the current patient according to the information of the patient participating in the insurance and the biological characteristic information. In the embodiment of the invention, the social institution node stores the biological characteristic information of the patient to be referred to, and the social institution node confirms whether the patient to be referred to is the personal of the patient to be referred to currently or not through biological characteristic comparison.
Step 1034: after the current patient to be treated passes identity authentication, the verified medical institution node generates prescription information to be paid and treatment information according to the information of the patient to be ensured, wherein the treatment information comprises social security card information, a treatment serial number, a hospital number and the like. In the embodiment of the invention, after the medical institution node receives the identity authentication result information returned by the human-society institution node, the medical institution node generates the prescription information to be paid and the doctor seeing information according to the information of the patient participating in the insurance.
Referring to fig. 5, the biometric information of the patient currently being treated is acquired through the camera bound with the medical institution node, the institution node verifies whether the currently treated person is the insured person through the biometric information acquired by the camera, and the legal identity of the insured person is confirmed from the source (i.e. identity verification during the start of a doctor), so that the patient can be ensured to be treated by the insured person himself, the real card-free treatment of the insured person is realized, the insured person can be ensured to be treated in the appointed medical institution, and the fraud of medical insurance fund by non-fixed-point medical institutions is prevented.
In a preferred embodiment of the present invention, before step 104, the method further comprises: and the verified medical institution node generates a first plaintext data packet according to the biological characteristic information and the visit information, and uploads the first plaintext data packet to the mobile payment evidence storage chain.
Further, the step of generating a first plaintext data packet by the verified medical institution node according to the biometric information and the visit information, and uploading the first plaintext data packet to the mobile payment evidence-storing chain specifically includes: the verified medical institution node generates a first HASH value according to the video information in the biological characteristic information, generates a second HASH value according to the picture information in the biological characteristic information, and generates a medical insurance authentication number according to the medical information; the verified medical institution node generates a first plaintext data packet according to the medical insurance authentication number, the first HASH value, the second HASH value and a first service type code, wherein the first service type is an identity authentication deposit certificate; and uploading the first clear text data packet to the mobile payment evidence storing chain. In the preferred embodiment of the invention, the social security card information, the visit water number and the hospital number are combined into one number, and then the combined number is processed by the HASH algorithm to generate the medical security authentication number.
In another preferred embodiment of the present invention, step 104 specifically includes: the social institution node acquires all the prescription information to be paid from the HIS of the medical institution according to the information of the patient to be insured, which is input by the patient to be insured terminal; the social institution node acquires the corresponding clinic information from the HIS (medical institution) according to the one or more pieces of prescription information to be paid selected by the patient terminal to be insured; the human-social institution node generates a medical insurance authentication number comparison number according to the visit information, searches the unprocessed first plaintext data packet with the first service type code in the mobile payment storage chain, and searches the corresponding first plaintext data packet according to the medical insurance authentication number comparison number; the human-social institution node verifies the doctor seeing information acquired from the medical institution HIS according to the found first plain text data packet, and generates the prescription information to be paid according to the doctor seeing information after the doctor seeing information passes the verification; the patient terminal involved in the insurance calls a commercial payment interface to complete commercial payment according to the prescription information to be paid and the financial payment account to generate commercial payment information; and the patient terminal for insurance participation calls a medical insurance settlement interface to complete mobile medical insurance payment according to the commercial payment information and the financial payment account, and generates the mobile medical insurance payment information.
In another preferred embodiment of the present invention, after step 104, the block chain-based mobile medical insurance payment method further includes: and the verified medical institution node generates a medical insurance visit data packet based on the mobile medical insurance payment information, and uploads the medical insurance visit data packet to the mobile payment evidence storage chain.
Further, the step of generating a medical insurance visit data packet by the verified medical institution node based on the mobile medical insurance payment information, and uploading the medical insurance visit data packet to the mobile payment evidence storing chain specifically includes: the verified medical institution node generates payment summary information according to the mobile medical insurance payment information, and generates a second plaintext data packet according to the payment summary information, the medical insurance authentication number, the first HASH value, the second HASH value and a second service type code, wherein the second service type is that medical expense settlement is successful; and the verified medical institution node updates the HIS system of the medical institution by using the mobile medical insurance payment information and uploads the second plaintext data packet to the mobile payment evidence storage chain.
In another preferred embodiment of the present invention, after the step of generating, by the verified medical institution node, a medical insurance visit data packet based on the mobile medical insurance payment information and uploading the medical insurance visit data packet to the mobile payment chain, the mobile medical insurance payment method based on the block chain further includes: and the social institution node acquires the second plaintext data packet from the mobile payment evidence storing chain for post-audit.
Further, the step of obtaining the second plaintext data packet from the mobile payment evidence chain by the human-agency node for post-audit includes: the social institution node searches the second plaintext data packet with a second service type code in the mobile payment authentication chain, and then searches the corresponding second plaintext data packet according to the medical insurance authentication number comparison number; and the social institution nodes ask for the biological characteristic information from the corresponding medical institution nodes according to the searched second plaintext data packet verification, and perform post inspection according to the biological characteristic information.
The invention further provides a storage medium, wherein the storage medium stores a computer program, and the computer program is used for realizing the block chain-based mobile medical insurance payment method when being executed by a processor. The method at least comprises the following steps:
step 101: and building a mobile payment evidence storage chain, wherein the mobile payment evidence storage chain is provided with a plurality of medical institution nodes and a plurality of social institution nodes.
Step 102: and the medical institution node is bound with a camera customized by the human-society institution node.
Step 103: and the bound medical institution node acquires the information of the patient to be paid from the social institution node and generates prescription information to be paid and doctor seeing information according to the information of the patient to be paid.
Step 104: and the patient terminal for insurance carries out mobile medical insurance payment according to the prescription information to be paid to obtain mobile medical insurance payment information.
The specific implementation mode of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the block chain-based mobile medical insurance payment method when executing the computer program. The method at least comprises the following steps:
step 101: and building a mobile payment evidence storing chain, wherein the mobile payment evidence storing chain is provided with a plurality of medical institution nodes and a plurality of social institution nodes.
Step 102: and the medical institution node is bound with a camera customized by the human-society institution node.
Step 103: and the bound medical institution node acquires the information of the patient to be paid from the social institution node and generates prescription information to be paid and doctor seeing information according to the information of the patient to be paid.
Step 104: and the patient terminal participating in the insurance carries out mobile medical insurance payment according to the prescription information to be paid to obtain mobile medical insurance payment information.
Fig. 6 is a structural diagram of a mobile medical insurance payment system based on a block chain according to a specific embodiment of the present invention, and as shown in fig. 6, a human-society institution node 1 is connected to a plurality of medical institution nodes 2 (the plurality of medical institution nodes 2 may belong to the same medical institution or different medical institutions) through dedicated lines, each medical institution node 2 is correspondingly provided with a camera 21, each medical institution node 2 is connected to a medical institution HIS system 4 of the medical institution, and a plurality of patient terminals 3 to be referred to for insurance are connected to the human-society institution node 1 through a mobile communication network or the internet. The cameras 21 are bound on the corresponding medical institution nodes 2; the security-participating patient terminal 3 performs real-name authentication registration on the social institution node 1, and inputs social security card information and a financial payment account for paying personal medical fees; the medical institution node 2 successfully binding the camera 21 acquires the information of the patient to be insured from the social institution node 1, and generates prescription information to be paid and doctor information according to the information of the patient to be insured; and the patient terminal 3 for insurance carries out mobile medical insurance payment according to the prescription information to be paid.
Fig. 7 is a schematic composition diagram of a human-society institution node according to an embodiment of the present invention, and as shown in fig. 7, the human-society institution node 1 has functions of medical institution node 2 access, reconciliation between the medical institution node 2 and the human-society institution node 1, commercial payment management, and management of the insured patient terminal 3, so as to implement unified management of mobile medical insurance payment. Specifically, each social institution node 1 mainly comprises an infrastructure layer, a platform interface layer and an application management layer, wherein the infrastructure layer mainly comprises hardware, software and a network; the platform interface layer mainly comprises a gold security port, a medical institution node 2 access port, a payment port and other related interfaces; the application management layer is mainly composed of a medical institution node 2 management module, a human-society institution node 1 management module (also called a human-society institution node 1 system management module), a financial reconciliation management module, a commercial payment management module, a BI (commercial intelligence) module, a camera 21 authorization management module and a security-participating patient terminal 3 management module. The management module of the human agency organization node 1 can manage the registration and login of the operating system account, and can also manage the role of the operating system account, and the like; the medical institution node 2 management module can register, log in, inquire, check and the like the resident medical institution node 2; the patient terminal 3 management module for participation insurance can check and manage the registered patient terminal 3 for participation insurance; the camera 21 authorization management module can perform operations such as authorization, binding, query and the like on the camera 21 bound with the medical institution node 2; the financial reconciliation management module carries out all and staged reconciliation management on the gold insurance and the medical institution node 2; the business payment management module manages the business payment types supported by the medical institution node 2, and realizes the unified management of the mobile medical insurance payment; the BI module is a BI analysis module (specifically customized by a human-society department) based on statistical requirements, and can distinguish online payment from offline payment, so that the centralized management of the business and data in the overall area is realized.
The embodiments of the invention described above may be implemented in various hardware, software code, or combinations of both. For example, an embodiment of the present invention may also be program code for executing the above method in a Digital Signal Processor (DSP). The invention may also relate to a variety of functions performed by a computer processor, digital signal processor, microprocessor, or Field Programmable Gate Array (FPGA). The processor described above may be configured according to the present invention to perform certain tasks by executing machine-readable software code or firmware code that defines certain methods disclosed herein. Software code or firmware code may be developed in different programming languages and in different formats or forms. Software code may also be compiled for different target platforms. However, the different code styles, types, and languages of software code and other types of configuration code that perform tasks in accordance with the present invention do not depart from the spirit and scope of the present invention.
The foregoing is merely an illustrative embodiment of the present invention, and any equivalent changes and modifications made by those skilled in the art without departing from the spirit and principle of the present invention should fall within the protection scope of the present invention.
Claims (10)
1. A block chain-based mobile medical insurance payment method is characterized by comprising the following steps:
building a mobile payment evidence storing chain, wherein the mobile payment evidence storing chain is provided with a plurality of medical institution nodes and a plurality of social institution nodes;
the medical institution node is bound with a camera customized by the human-society institution node;
the insurance-participating patient terminal performs real-name authentication registration on the social institution node, and inputs social insurance card information and a financial payment account for paying personal medical fees so as to generate insurance-participating patient information;
the bound medical institution node acquires information of insured patients from the social institution node, and generates prescription information to be paid and doctor seeing information according to the information of the insured patients; and
the patient terminal for insurance carries out mobile medical insurance payment according to the prescription information to be paid to obtain mobile medical insurance payment information,
the step of binding the cameras customized by the human-society institution nodes by the medical institution nodes specifically comprises the following steps:
the medical institution node generates an authorization code according to a chip number in a camera, wherein the camera is provided with a chip and a GPS module, and the chip is provided with the chip number;
the medical institution node binds the authorization code, the chip number, and a hard disk number, a network port number, and an MAC address of the medical institution node together to generate binding information; and
the human-society institution node binds the medical institution node and the camera according to the binding information,
the method comprises the steps that a bound medical institution node acquires information of insured patients from the social institution node, and generates prescription information to be paid and doctor information according to the information of the insured patients, and specifically comprises the following steps:
the human-social institution node acquires the position information and the binding information of the bound medical institution node, and performs identity verification on the bound medical institution node according to the position information and the binding information;
the verified medical institution node acquires information of the patient participating in the medical insurance from the social institution node, starts the camera to acquire biological characteristic information of the patient currently in the medical insurance, and sends the information of the patient participating in the medical insurance and the biological characteristic information to the corresponding social institution node;
the community institution node performs identity authentication on the current patient according to the information of the patient participating in the medical service and the biological characteristic information; and
after the current patient to be treated passes the identity authentication, the verified medical institution node generates prescription information to be paid and treatment information according to the information of the patient to be ensured, wherein the treatment information comprises social security card information, a treatment serial number and a hospital number.
2. The block chain-based mobile medical insurance payment method according to claim 1, wherein before the step of obtaining mobile medical insurance payment information by the insured patient terminal making mobile medical insurance payment according to the prescription information to be paid, the method further comprises:
and the verified medical institution node generates a first plaintext data packet according to the biological characteristic information and the visit information, and uploads the first plaintext data packet to the mobile payment evidence storage chain.
3. The block chain based mobile medical insurance payment method according to claim 2, wherein the step of generating a first plaintext data packet by the verified medical institution node according to the biometric information and the visit information, and uploading the first plaintext data packet to the mobile payment chain specifically comprises:
the verified medical institution node generates a first HASH value according to the video information in the biological characteristic information, generates a second HASH value according to the picture information in the biological characteristic information, and generates a medical insurance authentication number according to the medical information;
the verified medical institution node generates a first plaintext data packet according to the medical insurance authentication number, the first HASH value, the second HASH value and a first service type code, wherein the first service type is an identity authentication deposit certificate; and
and uploading the first clear text data packet to the mobile payment evidence storing chain.
4. The mobile medical insurance payment method based on the blockchain according to claim 3, wherein the step of obtaining the mobile medical insurance payment information by the patient terminal participating in insurance performing mobile medical insurance payment according to the prescription information to be paid specifically comprises:
the social institution node acquires all the prescription information to be paid from a medical institution HIS according to the patient information to be insured input by the patient terminal to be insured;
the social institution node acquires the corresponding clinic information from the HIS (medical institution) according to the one or more pieces of prescription information to be paid selected by the patient terminal to be insured;
the human-social institution node generates a medical insurance authentication number comparison number according to the visit information, searches the unprocessed first plaintext data packet with the first service type code in the mobile payment storage chain, and searches the corresponding first plaintext data packet according to the medical insurance authentication number comparison number;
the human-social institution node verifies the doctor seeing information acquired from the medical institution HIS according to the found first plain text data packet, and generates the prescription information to be paid according to the doctor seeing information after the doctor seeing information passes the verification;
the patient terminal for participation insurance calls a commercial payment interface to complete commercial payment according to the prescription information to be paid and the financial payment account to generate commercial payment information; and
and the patient terminal for insurance participation calls a medical insurance settlement interface to complete mobile medical insurance payment according to the commercial payment information and the financial payment account, and generates the mobile medical insurance payment information.
5. The block chain based mobile medical insurance payment method according to claim 4, wherein after the step of obtaining mobile medical insurance payment information by the insured patient terminal making mobile medical insurance payment according to the prescription information to be paid, the method further comprises:
and the verified medical institution node generates a medical insurance visit data packet based on the mobile medical insurance payment information, and uploads the medical insurance visit data packet to the mobile payment evidence storage chain.
6. The blockchain-based mobile medical insurance payment method according to claim 5, wherein the step of generating a medical insurance visit data packet by the verified medical institution node based on the mobile medical insurance payment information and uploading the medical insurance visit data packet to the mobile payment chain specifically includes:
the verified medical institution node generates payment summary information according to the mobile medical insurance payment information, and generates a second plaintext data packet according to the payment summary information, the medical insurance authentication number, the first HASH value, the second HASH value and a second service type code, wherein the second service type is that medical expense settlement is successful; and
and the verified medical institution node updates the HIS system of the medical institution by using the mobile medical insurance payment information and uploads the second plaintext data packet to the mobile payment evidence storage chain.
7. The blockchain-based mobile medical insurance payment method of claim 6, wherein after the step of the authenticated medical institution node generating a medical insurance visit data package based on the mobile medical insurance payment information and uploading the medical insurance visit data package to the mobile payment chain, the method further comprises:
and the social institution node acquires the second plaintext data packet from the mobile payment evidence storing chain for post-audit.
8. The block chain-based mobile medical insurance payment method of claim 7, wherein the step of obtaining the second plaintext data packet from the mobile payment evidence chain by the social institution node for post-audit includes:
the social institution node searches the second plaintext data packet with a second service type code in the mobile payment authentication chain, and then searches the corresponding second plaintext data packet according to the medical insurance authentication number and the reference number;
and the social institution nodes ask for the biological characteristic information from the corresponding medical institution nodes according to the searched second plaintext data packet verification, and perform post inspection according to the biological characteristic information.
9. A storage medium having a computer program stored thereon, wherein the computer program when executed by a processor implements the block chain based mobile medical insurance payment method of any one of claims 1 to 8.
10. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the block chain based mobile medical insurance payment method of any one of claims 1 to 8.
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| CN115080997B (en) * | 2022-06-02 | 2024-01-09 | 武汉金豆医疗数据科技有限公司 | Mobile checking method and device for medical insurance fund, computer equipment and storage medium |
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