CN111539833B - Medical expense payment method, device and system - Google Patents

Abstract

The embodiment of the specification discloses a medical expense payment method, a device and a system, wherein the method initiates a calling request when receiving a medical expense payment request of a target user, and acquires preset biological characteristic information of the target user so as to perform identity authentication on the target user; when the identity authentication of the target user passes, acquiring a medical insurance payment certificate generated based on the medical insurance electronic certificate of the target user; and transmitting the medical insurance payment certificate of the target user to a medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expense based on the inquired medical insurance information.

Description

Medical expense payment method, device and system

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method, an apparatus, and a system for paying medical fees.

Background

Medical insurance, i.e. social medical insurance, is a social insurance system established by the nation and the society according to certain laws and regulations for providing the laborers in the guarantee range with basic medical insurance when patients are ill. With the development of medical science and technology, the improvement of the economic level of people and the enhancement of the safety and health consciousness of the personnel involved in the insurance, the medical expenses are continuously increased, and the medical expenses are paid more and more by using the medical insurance.

However, in the process of paying medical expenses by using the medical insurance, the phenomena that modern brushing, embezzlement brushing, insurance sleeving and the like do not meet the regulations often occur, the safe and healthy operation of the medical insurance fund is damaged, and the medical insurance fund needs to be supervised by taking measures.

Disclosure of Invention

The embodiment of the specification provides a medical expense payment method, a medical expense payment device and a medical expense payment system, so that the medical insurance using phenomenon which does not accord with the regulation is avoided, and the safe and healthy operation of medical insurance fund is guaranteed.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

in a first aspect, a medical expense payment method is provided, including:

responding to a calling request initiated by a medical institution cashier system when a medical insurance medical expense payment request of a target user is received, and acquiring preset biological characteristic information of the target user to perform identity authentication on the target user;

when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expenses based on the medical insurance information.

In a second aspect, a medical expense payment method is provided, including:

responding to a request of a target user for paying medical expenses by using medical insurance, and calling preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to perform identity authentication on the target user;

receiving a medical insurance payment certificate of the target user sent by the preset Internet of things device, wherein the medical insurance payment certificate is acquired by the preset Internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

In a third aspect, a medical expense payment method is provided, including:

the medical institution cashier system responds to a request of a target user for paying medical expenses by using medical insurance, and calls preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to perform identity authentication on the target user;

when the identity authentication of the target user passes, the preset Internet of things equipment acquires and transmits medical insurance payment credentials of the target user to the medical institution cashier system, wherein the medical insurance payment credentials are generated based on medical insurance electronic credentials of the target user, and the medical insurance electronic credentials are generated by a medical insurance management system based on medical insurance information of the target user;

and the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment voucher and settles the medical expenses based on the medical insurance information.

In a fourth aspect, a medical expense payment apparatus is provided, comprising:

the system comprises a first response module, a first identification module and a second identification module, wherein the first response module is used for responding to a calling request initiated by a medical institution cashier system when receiving a request for paying medical expenses by using a medical insurance of a target user, and acquiring preset biological characteristic information of the target user to authenticate the identity of the target user;

the medical insurance payment voucher acquisition module is used for acquiring a medical insurance payment voucher of the target user when the identity authentication of the target user passes, wherein the medical insurance payment voucher is generated based on a medical insurance electronic voucher of the target user, and the medical insurance electronic voucher is generated by a medical insurance management system based on medical insurance information of the target user;

and the settlement request module is used for transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expense based on the medical insurance information.

In a fifth aspect, a medical expense payment apparatus is provided, comprising:

the calling module is used for calling preset Internet of things equipment to acquire preset biological characteristic information of a target user in response to a request of the target user for paying medical expenses by using medical insurance so as to authenticate the identity of the target user;

the first receiving module is used for receiving a medical insurance payment certificate of the target user, which is sent by the preset internet of things device, wherein the medical insurance payment certificate is acquired by the preset internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and the settlement module is used for inquiring the medical insurance information of the target user according to the medical insurance payment voucher and settling the medical expenses based on the medical insurance information.

In a sixth aspect, a medical expense payment system is provided, comprising: a medical institution bank payment system and preset Internet of things equipment, wherein,

the preset Internet of things equipment is used for responding to an initiating calling request of a medical institution cashier system when receiving a request of a target user for paying medical expenses by using a medical insurance, and acquiring preset biological characteristic information of the target user so as to authenticate the identity of the target user; when the identity authentication of the target user passes, acquiring medical insurance payment credentials of the target user and transmitting the medical insurance payment credentials to a cashier system of the medical institution, wherein the medical insurance payment credentials are generated based on medical insurance electronic credentials of the target user, and the medical insurance electronic credentials are generated by a medical insurance management system based on medical insurance information of the target user;

the medical institution cashier system is used for responding to a request of a target user for paying medical expenses by using a medical insurance, calling the preset Internet of things equipment to acquire preset biological characteristic information of the target user, and performing identity authentication on the target user; receiving a medical insurance payment certificate of the target user sent by the preset Internet of things equipment; and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

In a seventh aspect, an electronic device is provided, including:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

responding to a calling request initiated by a medical institution cashier system when receiving a medical insurance payment request of a target user, and acquiring preset biological characteristic information of the target user to perform identity authentication on the target user;

when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expenses based on the medical insurance information.

In an eighth aspect, a computer-readable storage medium is presented, the computer-readable storage medium storing one or more programs that, when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:

responding to a calling request initiated by a medical institution cashier system when a medical insurance medical expense payment request of a target user is received, and acquiring preset biological characteristic information of the target user to perform identity authentication on the target user;

when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expense based on the medical insurance information.

In a ninth aspect, an electronic device is provided, which includes:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

in response to a request of a target user for paying medical expenses by using a medical insurance, calling preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to authenticate the identity of the target user;

receiving a medical insurance payment certificate of the target user sent by the preset Internet of things device, wherein the medical insurance payment certificate is acquired by the preset Internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

In a tenth aspect, a computer-readable storage medium is presented, storing one or more programs, which when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:

in response to a request of a target user for paying medical expenses by using a medical insurance, calling preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to authenticate the identity of the target user;

receiving a medical insurance payment certificate of the target user sent by the preset Internet of things device, wherein the medical insurance payment certificate is acquired by the preset Internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

According to the technical scheme provided by the embodiment of the specification, when a request of a target user for paying medical expenses by using a medical insurance is received, the target user is subjected to identity authentication by acquiring and utilizing preset biological characteristic information of the target user, a medical insurance payment certificate generated based on a medical insurance electronic certificate of the target user is acquired when the authentication is passed, and then the payment of the medical expenses is completed based on the medical insurance payment certificate of the target user. The scheme for authenticating the identity of the target user by utilizing the preset biological characteristic information before the medical insurance settlement is used can ensure that the target user can only use the medical insurance of the target user to complete the payment of medical expenses, can not brush or embezzle other medical insurance instead of brushing or embezzle the medical insurance, can not carry out actions such as cover insurance and the like, and really integrates the people and the certificate, thereby avoiding the occurrence of medical insurance use phenomenon which does not accord with the regulation, helping a medical insurance management mechanism to realize the reasonable control of medical insurance expenses and ensuring the safe and healthy operation of medical insurance funds.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

fig. 1 is a schematic structural diagram of a medical expense payment system provided in an embodiment of the present specification.

Fig. 2 is a schematic flow chart of a medical expense payment method provided in an embodiment of the present specification.

Fig. 3 is another schematic flow chart of a medical expense payment method provided in an embodiment of the present disclosure.

Fig. 4 is a schematic diagram of multi-terminal interaction in a medical expense payment method provided in an embodiment of the present specification.

Fig. 5 is a detailed flowchart of a medical expense payment method provided in an embodiment of the present disclosure.

Fig. 6 is a schematic structural diagram of a medical expense payment system provided in an embodiment of the present specification.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification.

Fig. 8 is a schematic structural diagram of a medical expense payment apparatus provided in an embodiment of the present specification.

Fig. 9 is another structural diagram of a medical expense payment device provided in an embodiment of the present specification.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only a few embodiments of the present application, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

In order to avoid the medical insurance use phenomena such as replacement brushing, illegal brushing, sleeve insurance and the like which do not accord with the regulations and ensure the safe and healthy operation of medical insurance fund, the specification provides a medical expense payment method, a device and a system.

Fig. 1 is a schematic architecture diagram of a medical expense payment system provided in an embodiment of the present specification. As shown in fig. 1, the system includes: the system comprises a medical institution cash register system 1, a preset Internet of things device 2, a medical insurance management system 3, a server 4 and a client 5.

Medical facilities include, but are not limited to, hospitals, physical examination facilities, and medical care point-of-care pharmacies. The medical institution cashier system 1 in fig. 1 may include a backend server 11 and a cashier terminal 12, the cashier terminal 12 may be a self-service payment terminal of a hospital or a cashier computer of a pharmacy, and the medical institution cashier system 1 has two functions of medical insurance cashier and self-payment cashier.

The preset internet of Things (IOT) device 2 in fig. 1 has a function of performing identity authentication on a user based on preset biometric information by combining with a preset authorization platform, and a function of managing a medical insurance electronic certificate of the user. The medical insurance electronic certificate is a medical insurance electronic on-line certificate which is generated according to medical insurance information of a medical insurance participant and is a unique on-line identity certificate of the medical insurance participant, wherein the medical insurance electronic certificate is officially regulated by the national medical insurance office. After the medical insurance electronic certificate is provided, the insured person can 'see a doctor without a card and only use the medical insurance code'; the preset authorization platform is an electronic certificate management platform authorized by the medical insurance management system, such as a preset online payment platform (or a preset electronic payment platform). In a detailed example, if the preset authorization platform is a preset online payment platform, the preset internet of things device may be a face-brushing payment device promoted by the preset online payment platform, and the identity authentication of the user and the automatic payment of the bill of the user after the identity authentication are passed are realized through interaction with the server 4 of the preset authorization platform.

The cash registering terminal 12 in the cash registering system 1 of the medical institution may be regarded as an upper computer of the preset internet of things device 2, and the cash registering terminal 12 can communicate and interact with the preset internet of things device 2.

The medical insurance management system 3 in fig. 1 may be a medical insurance management system set up by a medical insurance management institution. Specifically, before the innovation of the national institution, the medical insurance management system 3 may be a medical insurance management system released by departments such as medical insurance, birth insurance of the department of human society, new agrarian cooperation of health and welfare agency, and medical rescue function of the ministry of civilization. With the reform of the national institution, the new agro-harmony of the medical insurance, the birth insurance, the health care commission of the original people and the major medical help function of the civil ministry are integrated into an independently operating national medical insurance office, and a local medical insurance office is set under the national medical insurance office, so the medical insurance management system 3 can be a medical insurance management system set by the national medical insurance office or the local medical insurance office. The medical insurance management system 3 can specifically comprise a medical insurance settlement system and a medical insurance card system, wherein the medical insurance settlement system can be provided with functional modules of medical insurance pre-settlement, medical insurance settlement, settlement inquiry, medical insurance revocation, revocation inquiry, medical insurance pre-refund, medical insurance refund, refund inquiry, account checking and the like; the medical insurance card system can specifically comprise functional modules of account login, medical insurance binding card, account registration, medical insurance unbinding and the like.

The medical institution cashier system 1 can communicate with the medical insurance management system 3 through a medical insurance private line network, and the preset internet of things device 2 and the client 5 can communicate with the server 4 through the internet.

The client 5 may include, but is not limited to, a portable smart electronic device such as a smartphone, tablet, wearable device, etc.

The target user 6 can complete self-payment and/or medical insurance payment of medical expenses by operating the cash register terminal 12 in the medical institution cash register system 1 and the preset internet of things device 2.

Fig. 2 is a schematic flow chart of a medical expense payment method provided in an embodiment of the present specification, where the method shown in fig. 2 may be applied to the preset internet of things device 2 shown in fig. 1, and in practical application, the method may be implemented by a program installed in the preset internet of things device 2. As shown in fig. 2, the method may include:

step 202, responding to a calling request initiated by a medical institution cashier system when receiving a medical insurance payment request of a target user, and acquiring preset biological characteristic information of the target user so as to perform identity authentication on the target user.

The target user may be any user who initiates a request to a medical institution checkout system to pay a medical fee using a medical insurance, such as any patient who pays a medical fee using a self-service checkout terminal of a hospital.

The preset biometric information includes, but is not limited to, at least one of: face image information, finger vein information, and iris information.

As an example, the acquiring preset biometric information of the target user to authenticate the identity of the target user may specifically include: the method comprises the steps of collecting preset biological characteristic information of a target user and sending the preset biological characteristic information to a server of a preset authorization platform, so that the server registers the preset biological characteristic information of the user and the preset biological characteristic information of the target user on the basis of the preset authorization platform, and identity authentication is carried out on the target user. For example, assuming that the preset internet of things device is a face-brushing payment machine of a preset online payment platform, after receiving a call request of a cash register system of a medical institution, acquiring face image information of a target user, sending the face image information of the target user to a server of the preset online payment platform, comparing the face image information of the target user with a face image of a registered user by the server to obtain a face authentication result of the target user, and feeding the face authentication result back to the preset internet of things device.

Optionally, the server of the preset authorization platform further maintains a corresponding relationship between account information (such as a mobile phone number and a payment code) of a registered user, preset biometric information (such as face image information) and identity information (such as an identity card number), so that when the identity authentication of the target user is passed, the server of the preset authorization platform feeds the account information and the identity information of the target user back to the preset internet of things device together for the target user to confirm.

And 204, when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user.

The medical insurance payment voucher of the target user can be a graphic code, such as a two-dimensional code, generated according to the medical insurance electronic voucher of the target user; or the medical insurance payment certificate of the target user can also be the medical insurance electronic certificate of the target user; alternatively, the medical insurance payment voucher of the target user can also be a dynamic code value in a character string form which is generated according to the medical insurance electronic voucher of the target user and accords with the national medical insurance office standard, such as token which accords with the national medical insurance office standard.

When the identity authentication of the target user passes, the preset Internet of things equipment can acquire the medical insurance payment certificate of the target user in two modes.

The first mode is as follows: when the identity authentication of the target user passes, determining the identity information of the target user (which can be returned by a server of a preset authorization platform); and based on the identity information of the target user, acquiring the medical insurance payment voucher of the target user from the server side of the preset authorization platform again.

The second mode is as follows: when the identity authentication of the target user passes, determining the identity information of the target user (which can be returned by a server of a preset authorization platform); sending the identity information of the target user to a server of the preset authorization platform, so that the server determines a medical insurance payment certificate of the target user based on the identity information of the target user, and sends the medical insurance payment certificate of the target user to a client (such as the client 5 in the system 1) corresponding to the target user; and then, the medical insurance payment certificate of the target user is obtained by scanning the medical insurance payment certificate displayed in the client, wherein the medical insurance payment certificate can be a graphic code, such as a two-dimensional code, generated according to the medical insurance electronic certificate of the target user.

In the two modes, the server side with the preset authorization platform can generate the medical insurance payment certificate of the target user based on the medical insurance electronic certificate of the target user under the authorization of the medical insurance management mechanism; the server side of the preset authorization platform can also request the medical insurance management system to generate a medical insurance payment certificate of the target user based on the medical insurance electronic certificate of the target user, and then the medical insurance payment certificate is fed back to the server side of the preset authorization platform.

The method can be understood that when a request of a target user for paying medical expenses by using a medical insurance is received, the target user is subjected to identity authentication by collecting and utilizing preset biological characteristic information of the target user, and a medical insurance payment certificate generated based on a medical insurance electronic certificate of the target user is acquired when the authentication is passed, so that the target user can be ensured to finish payment of the medical expenses only by using the medical insurance of the target user, and can not swipe and steal medical insurance of other people instead of the medical insurance of the target user, and can not perform actions such as cover insurance, and the like, and the people and the certificate are integrated really.

Based on step 204, optionally, when the identity authentication of the target user fails, the preset internet of things device may determine that the target user is not registered with an account on the preset authorization platform, or the target user is not a registered user of the preset authorization platform, and at this time, the target user may be guided to register an account on the preset authorization platform, so that the target user becomes a registered user of the preset authorization platform.

The method for guiding the target user to register the account number in the preset authorization platform specifically includes: displaying a registration page of a preset authorization platform; responding to a registration request initiated by a target user in a registration page, and sending identity information, preset biological characteristic information and registration account information of the target user carried in the registration request to a server of a preset authorization platform, so that the server generates a registration account of the target user in the preset authorization platform, and correspondingly stores the account, the identity information and the preset biological characteristic information of the target user.

It can be understood that when the target user is not a registered user of the preset authorization platform, the user is guided to register through the preset internet of things device, on one hand, the purpose of facilitating the target user to automatically complete medical insurance payment by using preset biological feature recognition can be achieved, on the other hand, the purpose of updating (updating a new user) for the preset authorization platform can be achieved, and the two purposes are achieved at one stroke.

Optionally, before obtaining the medical insurance payment credentials of the target user, the method shown in fig. 2 may further include: judging whether the medical insurance electronic certificate of the target user is in an activated state; if the target user is in the activated state, executing the step of acquiring the medical insurance payment certificate of the target user; and if the electronic certificate is not in the activated state, guiding the target user to activate the medical insurance electronic certificate in the preset authorization platform. It should be appreciated that, typically, the medical insurance authority requires active activation by the user after generating the medical insurance electronic certificate for the insured person to use in place of the traditional physical medical insurance card.

Wherein, it activates medical insurance electronic certificate to predetermine thing networking device guide target user in predetermineeing the authorization platform, can include: displaying an activation page of the medical insurance electronic certificate; responding to a medical insurance electronic certificate activation request initiated by a target user in an activation page, sending the identity information of the target user to a server of a preset authorization platform, so that the server activates the medical insurance electronic certificate of the target user generated by the medical insurance management system in advance based on the identity information of the target user, specifically activates the medical insurance electronic certificate corresponding to the identity information. More specifically, as more and more users use online payment tools to perform online payment, the medical insurance management mechanism can authorize the preset online payment platform to complete the activation of the medical insurance electronic certificate of the users.

Generally, when a target user registers an account or activates his/her own medical insurance electronic certificate, the provided identity information is real-name authentication information of the target user, such as front and back images of the identity card.

And step 206, transmitting the medical insurance payment certificate of the target user to a medical institution cashier system so that the medical institution cashier system inquires medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expense based on the inquired medical insurance information.

Specifically, the preset internet of things device can transmit the medical insurance payment certificate of the target user to the medical institution cashier system, so that the medical institution cashier system sends the medical insurance payment certificate to the medical insurance management system, and performs medical insurance pre-settlement based on the medical expense list and medical insurance information corresponding to the medical insurance payment certificate returned by the medical insurance management system; and then receiving a pre-settlement result returned by the medical institution cash register system, and initiating a settlement request to the medical institution cash register system based on the pre-settlement result to complete the payment of the medical expense.

For example, after receiving a two-dimensional code, which is a medical insurance payment certificate, sent by a preset internet of things device, the medical institution cash registering system analyzes the two-dimensional code to obtain a code value of the medical insurance payment certificate of a target user, then transmits the code value of the medical insurance payment certificate of the target user to a medical insurance management system to exchange medical insurance information of the target user corresponding to the medical insurance payment certificate, and then performs medical insurance pre-settlement based on the medical expense list and the medical insurance information of the target user returned by the medical insurance management system to obtain a pre-settlement result.

The medical expense list may include payment items, self-payment amount and medical insurance amount corresponding to each payment item, total payment expense, and the like. Medical insurance information includes, but is not limited to, the name of the insured person, the insured person ID, ID information, the insured place, the current individual account balance, the monthly payment base, the cumulative payment months, the total amount of medical insurance payments in the year, etc. The pre-settlement result comprises the balance of the medical insurance account of the target user, the amount of the available medical insurance payment, the amount of the self-fee, and the like. The pre-settlement result may be considered to be a settlement result that is formally but for which no actual deduction has occurred.

The medical fee to be paid in the request is paid in step 202.

In one example, if the pre-settlement result comprises the self-fee amount, the pre-settlement result is displayed; and when the user makes a payment confirmation operation, responding to the payment confirmation operation made by the target user based on the pre-settlement result, and sending a self-fee settlement request to the medical institution cash register system to finish the payment of the self-fee amount in the medical fee. The self-fee settlement request is used for requesting the medical institution cashier system to complete payment of self-fee amount in the budget result based on the payment code of the target user, the payment code of the target user is carried in the self-fee settlement request, the payment code of the target user is determined based on an account number registered by the target user on a preset authorization platform when the identity authentication of the target user is passed, and at the moment, the preset authorization platform is a preset online payment platform.

It can be understood that when the pre-settlement result includes the self-fee amount, the pre-settlement result is displayed to the user, and the user confirms payment and then pays, so that the user experience can be improved.

In another example, if the medical insurance payment amount contained in the pre-settlement result is greater than the preset amount, the pre-settlement result is displayed; when the user confirms payment operation, responding to the payment confirmation operation made by the target user based on the pre-settlement result, and sending a medical insurance settlement request to a medical institution cash register system to complete payment of medical insurance payment amount in the medical expense; the medical insurance settlement request is used for requesting the medical institution cash register system to complete payment of the medical insurance payment amount of the pre-settlement result by using the medical insurance.

In a third example, if the pre-settlement result does not contain the self-payment amount and the medical insurance payment amount contained in the pre-settlement result is less than or equal to the preset amount, a medical insurance settlement request is sent to a medical institution cash register system to complete the payment of the medical expense; the medical insurance settlement request is used for requesting the medical institution cash register system to complete payment of the medical insurance payment amount of the pre-settlement result.

The preset amount can be flexibly set, and can be regarded as a quick payment threshold value, and the purpose of setting the preset amount is as follows: when the amount of money which can be paid by the medical insurance in the medical expense is large (exceeds the preset amount of money), displaying the pre-settlement result to a target user for confirmation by the user, and settling accounts after the confirmation by the user; when the amount paid by the medical insurance in the medical expense is small (the amount does not exceed the preset amount), the settlement request can be directly initiated for settlement without showing the settlement result for the user, so that the user experience is enhanced.

Optionally, on the basis of step 208, the method shown in fig. 2 may further include: and displaying the payment result of the medical expense so as to further improve the user experience.

Optionally, on the basis of step 208, the method shown in fig. 2 may further include: the medical expense payment record is sent to a client (such as the client 5 shown in fig. 1) of the target user for later reference by the target user.

In the medical expense payment method provided in the embodiment of the present specification, when a request for a target user to pay medical expense using a medical insurance is received, the target user is acquired and authenticated by using preset biometric information of the target user, a medical insurance payment certificate generated based on a medical insurance electronic certificate of the target user is acquired when the authentication is passed, and then the payment of the medical expense is completed based on the medical insurance payment certificate of the target user. The scheme for authenticating the identity of the target user by utilizing the preset biological characteristic information before the medical insurance settlement is used can ensure that the target user can only use the medical insurance of the target user to complete the payment of medical expenses, can not brush or embezzle other medical insurance instead of brushing or embezzle the medical insurance, can not carry out actions such as cover insurance and the like, and really integrates the people and the certificate, thereby avoiding the occurrence of medical insurance use phenomenon which does not accord with the regulation, helping a medical insurance management mechanism to realize the reasonable control of medical insurance expenses and ensuring the safe and healthy operation of medical insurance funds.

Fig. 3 is a flow chart of a medical expense payment method according to another embodiment of the present disclosure, and the method shown in fig. 3 may be applied to the cashier system 1 of the medical institution shown in fig. 1, and in practical application, the method may be implemented by an applet installed in the cashier terminal 12. As shown in fig. 3, the method may include:

step 302, responding to a request of a target user for paying medical expenses by using medical insurance, and calling preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to perform identity authentication on the target user.

Step 304, receiving a medical insurance payment certificate of the target user sent by a preset Internet of things device, wherein the medical insurance payment certificate is acquired by the preset Internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user.

Step 306, inquiring the medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expense based on the medical insurance information.

Specifically, the medical institution cashier system can send the medical insurance payment voucher to the medical insurance management system, and performs medical insurance pre-settlement based on the medical expense list and medical insurance information corresponding to the medical insurance payment voucher and returned by the medical insurance management system; and then feeding back the pre-settlement result to the preset Internet of things equipment, and completing the payment of the medical expense based on a settlement request made by the preset Internet of things equipment aiming at the pre-settlement result.

As an example, the completing the payment of the medical expense based on the settlement request made by the preset internet of things device for the pre-settlement result includes: receiving a self-fee settlement request sent by preset Internet of things equipment when a pre-settlement result contains self-fee amount; and responding to the self-fee settlement request, and completing the payment of the self-fee amount in the budget result based on the payment code of the target user, wherein the payment code of the target user is carried in the self-fee settlement request, the payment code is determined based on the account number registered by the target user on the preset authorization platform, and the preset authorization platform is a preset online payment platform.

As another example, the completing the payment of the medical expense based on the settlement request made by the preset internet of things device for the pre-settlement result includes: receiving a medical insurance settlement request sent by preset Internet of things equipment when the pre-settlement result contains medical insurance payment amount; and in response to the medical insurance settlement request, completing payment of the medical insurance payment amount in the pre-settlement result by using the medical insurance.

The medical expense payment method provided by the embodiment shown in fig. 3 corresponds to the method shown in fig. 2, and can achieve the same technical effects, and the related contents can refer to the method shown in fig. 2, and are not repeated.

Fig. 4 is a multi-end interactive schematic view of a medical expense payment method provided in another embodiment of the present disclosure, and the method shown in fig. 4 may be applied to a system including the medical institution cashier system 1 shown in fig. 1 and the preset internet of things device 2. As shown in fig. 4, the method may include:

step 401, the medical institution cashier system 1 calls a preset internet of things device 2 in response to a request of a target user for paying medical expenses by using a medical insurance.

Step 402, the preset internet of things device 2 collects preset biological feature information of the target user to perform identity authentication on the target user.

And step 403, if the identity authentication of the target user is passed, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate of the target user is generated based on the medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by the medical insurance management system based on the medical insurance information of the target user.

Step 404, the internet of things device 2 is preset to transmit the medical insurance payment certificate of the target user to the medical institution cashier system 1.

Step 405, the medical institution cashier system 1 sends the medical insurance payment voucher of the target user to the medical insurance management system 3.

Step 406, the medical insurance management system 3 returns medical insurance information corresponding to the medical insurance payment certificate (medical insurance information of the target user) based on the medical insurance payment certificate of the target user.

Step 407, the cashier system 1 of the medical institution performs medical insurance pre-settlement of the medical expense based on the medical expense list and the medical insurance information to obtain a pre-settlement result.

And step 408, the medical institution cashier system 1 feeds back a pre-settlement result to the preset Internet of things device 2.

And 409, the preset Internet of things device 2 initiates a settlement request to the medical institution cashier system 1 based on the pre-settlement result.

And step 410, the medical institution cashier system 1 completes the payment of the medical expense based on the settlement request.

The medical expense payment method provided by the embodiment shown in fig. 4 corresponds to the method shown in fig. 2 and 3, and can achieve the same technical effects, and related contents can refer to the method shown in fig. 2 and 3, and are not described again.

In the embodiment shown in fig. 5, the preset internet of things device connected to the cash register terminal in the cash register system of the medical institution is a face-brushing payment device of the preset online payment platform. As shown in fig. 5, the method may include:

step 501, the target user initiates a medical expense payment request.

For example, the target user selects a medical insurance swipe on a checkout terminal in a healthcare facility checkout system to initiate a medical cost payment request.

Step 502, if the medical expense contains the amount of money which can be paid by medical insurance, the medical institution cashier system responds to the payment request and calls a face-brushing payment device, and the step 504 is carried out; if the medical fee is the self-service fee, the step 503 is executed.

And step 503, the medical institution cashier system completes settlement.

And step 504, a face brushing payment small program in the face brushing payment device is called.

And 505, acquiring face image information.

And step 506, the target user aims the face at a camera of the face brushing payment device to perform face authentication.

Step 507, the face brushing payment device determines the face authentication result, if the face authentication result passes the step 508, and if the face authentication result is wrong, the step 509 is executed.

Step 508, the face brushing payment device displays the account registered by the target user on the preset online payment platform so that the target user can confirm, and the step 510 is carried out.

And 509, authenticating the face brushing payment device to report an error, and prompting the target user to align the face to the camera of the face brushing payment device again if the authentication fails.

Step 510, the face-brushing payment device returns the identity information of the target user to the medical institution cashier system, and the step 511 is carried out.

Step 511, the face-brushing payment device judges whether the medical insurance electronic certificate of the target user is in an activated state, if not, the step 512 is executed; if yes, go to step 513; if an error occurs, go to step 514.

And step 512, the target user activates the medical insurance electronic certificate under the guidance of the face brushing payment device, and returns to execute step 511.

And 513, the face brushing payment device acquires the medical insurance payment certificate of the target user, and the step 515 is carried out.

And 514, the face brushing payment equipment reports an error.

Step 515, the medical institution cashier system analyzes the medical insurance payment voucher of the target user to obtain a value, and sends the value of the medical insurance payment voucher of the target user to the medical insurance management system so as to exchange the medical insurance information corresponding to the value of the medical insurance payment voucher.

Step 516, the medical insurance management system returns the medical insurance information corresponding to the value of the medical insurance payment voucher.

And 517, the medical institution cash register system initiates a settlement request to the medical insurance management system based on the medical expense list and the medical insurance information.

And step 518, the medical insurance management system performs medical insurance pre-settlement to obtain a pre-settlement result and feeds the pre-settlement result back to the medical institution cash register system.

Step 519, the medical institution cashier system sends the pre-settlement result to the face brushing payment device.

Step 520, the face brushing payment device receives the pre-settlement result, and if the pre-settlement result is wrong, step 514 is executed; otherwise, step 521 is performed.

Step 521, the face-brushing payment device judges whether the pre-settlement result contains self-fee information, if so, step 523 is executed; otherwise, step 522 is performed.

Step 522, the face-brushing payment device judges whether the medical insurance payment amount in the budget result is larger than the preset amount, if so, step 523 is executed, otherwise, step 527 is executed.

Step 523, display the pre-calculation result.

Step 524, responding to a payment confirmation operation made by the target user based on the pre-settlement result by the face-brushing payment device, and if the pre-settlement result does not contain the self-payment amount (full medical insurance), directly executing step 527; if the pre-settlement result includes the self-fee amount, step 525 is executed.

And step 525, the face-brushing payment device sends a medical insurance settlement request and a self-fee settlement request to the medical institution cash register system, wherein the self-fee settlement request carries the payment code of the target user, and the step 526 is switched.

Step 526, the medical institution cashier system completes payment of the self-fee amount in the budget result based on the payment code of the target user in response to the self-fee settlement request.

The payment code is a payment code corresponding to an account registered by the target user on a preset online payment platform.

And step 527, the medical institution cash register system responds to the medical insurance settlement request and completes payment of the medical insurance payment amount of the pre-settlement result by using the medical insurance.

At step 528, the face-brushing payment device receives and displays the payment result from the cashier system of the medical institution.

Thus, the payment of the medical expense is completed.

In the medical expense payment method shown in fig. 5, when a request for paying medical expense by using medical insurance of a target user is received, the face image information of the target user is collected and utilized to perform face authentication on the target user, and when the authentication is passed, a medical insurance payment certificate generated based on the medical insurance electronic certificate of the target user is obtained, and then the payment of the medical expense is completed based on the medical insurance payment certificate of the target user. The scheme for authenticating the identity of the target user through the face recognition before the medical insurance settlement is used can ensure that the target user can only use the medical insurance of the user to complete the payment of medical expenses, can not replace and embezzle medical insurance of other people, can not carry out actions such as cover insurance and the like, and really realizes people and certificate integration, thereby avoiding the occurrence of medical insurance use phenomenon which does not accord with the regulation, helping a medical insurance management mechanism to realize reasonable control of medical insurance expenses, and ensuring the safe and healthy operation of medical insurance funds.

Optionally, if the target user disagrees with the medical expense, as shown in fig. 5, the method may further include:

step 529, the target user initiates a refund request to the medical institution cashier system.

Step 530, the cashier system of the medical institution checks the refund request, which may be automatic checking or manual checking, and executes step 531 when the checking is passed.

And 531, the medical institution cashier system performs medical insurance and/or refund for self-fee.

Optionally, as shown in fig. 5, the method may further include:

step 532, the medical institution cashier system checks accounts, which can be checked according to a certain period, or checked at any necessary time, and the wrong collection or refund is found in time, so that relevant remedial measures are taken to prevent loss to the medical institution or the user.

The above is a description of an embodiment of the method provided in this specification, and the following is a description of the system provided in this specification.

As shown in fig. 6, another embodiment of the present specification further provides a medical expense payment system, which may include a medical institution cashier system 61 and a preset internet of things device 62 connected thereto.

The preset internet-of-things device 62 is used for responding to an initiating calling request of the medical institution cashier system 61 when receiving a request for paying medical expenses by using a medical insurance of a target user, and acquiring preset biological characteristic information of the target user so as to authenticate the identity of the target user; when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user and transmitting the medical insurance payment certificate to a cashier system 61 of a medical institution; receiving a pre-settlement result returned by the medical institution cashier system 61, and initiating a settlement request to the medical institution cashier system 61 based on the pre-settlement result; the medical insurance payment voucher is generated based on the medical insurance electronic voucher of the target user, and the medical insurance electronic voucher is generated by a medical insurance management system based on medical insurance information of the target user.

The medical institution cashier system 61 is used for responding to a request of a target user for paying medical expenses by using a medical insurance, calling the preset Internet of things equipment 62 to acquire preset biological characteristic information of the target user, and performing identity authentication on the target user; receiving a medical insurance payment certificate of a target user sent by a preset Internet of things device 62; and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

The system shown in fig. 6 can implement the method shown in fig. 4 and achieve the same technical effects, and related contents may refer to the method shown in fig. 4 and are not described again.

The electronic device provided in this specification is described below.

Fig. 7 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification. Referring to fig. 7, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The memory may include a memory, such as a Random-access memory (RAM), and may further include a non-volatile memory, such as at least 1 disk memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other by an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (peripheral component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 7, but this does not indicate only one bus or one type of bus.

And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.

The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form the medical expense payment device on a logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

responding to a calling request initiated by a medical institution cashier system when a medical insurance medical expense payment request of a target user is received, and acquiring preset biological characteristic information of the target user to perform identity authentication on the target user;

when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expense based on the medical insurance information.

Or, the processor executes the program stored in the memory, and is specifically configured to perform the following operations:

in response to a request of a target user for paying medical expenses by using a medical insurance, calling preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to authenticate the identity of the target user;

receiving a medical insurance payment certificate of the target user sent by the preset Internet of things device, wherein the medical insurance payment certificate is acquired by the preset Internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

The medical expense payment method disclosed in the embodiment of fig. 2 or fig. 3 of the present specification may be implemented in or by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), application Specific Integrated Circuits (ASICs), field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in one or more embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with one or more embodiments of the present disclosure may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules within the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

The electronic device may also perform the medical expense payment method provided in fig. 2 or fig. 3, which is not described herein again.

Of course, besides the software implementation, the electronic device in the present specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.

An embodiment of the present specification also proposes a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, are capable of causing the portable electronic device to perform the method of the embodiment shown in fig. 2, and in particular for performing the following operations:

responding to a calling request initiated by a medical institution cashier system when receiving a medical insurance payment request of a target user, and acquiring preset biological characteristic information of the target user to perform identity authentication on the target user;

when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expenses based on the medical insurance information.

This specification embodiment also proposes a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, are capable of causing the portable electronic device to perform the method of the embodiment shown in fig. 3, and in particular to perform the following operations:

in response to a request of a target user for paying medical expenses by using a medical insurance, calling preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to authenticate the identity of the target user;

receiving a medical insurance payment certificate of the target user sent by the preset Internet of things device, wherein the medical insurance payment certificate is acquired by the preset Internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

The following is a description of the apparatus provided in this specification.

As shown in fig. 8, one embodiment of the present disclosure provides a medical fee payment apparatus 800, and in one software implementation, the apparatus 800 may include: a first response module 801, a medical insurance payment voucher acquisition module 802 and a settlement request module 803.

The first response module 801 is configured to respond to an invoking request initiated by a medical institution cashier system when receiving a request for paying medical expenses by using a medical insurance of a target user, and acquire preset biometric information of the target user to perform identity authentication on the target user.

A medical insurance payment voucher obtaining module 802, configured to obtain a medical insurance payment voucher of the target user when the identity authentication of the target user passes, where the medical insurance payment voucher is generated based on a medical insurance electronic voucher of the target user, and the medical insurance electronic voucher is generated by a medical insurance management system based on medical insurance information of the target user.

The settlement request module 803 is configured to transmit the medical insurance payment credential of the target user to the medical institution cashier system, so that the medical institution cashier system queries the medical insurance information of the target user according to the medical insurance payment credential, and performs the settlement of the medical expense based on the medical insurance information.

Optionally, the apparatus 800 may further include: the registration guiding module is used for guiding the target user to register the account number on the preset authorization platform when the identity authentication of the target user fails, wherein the preset internet of things device can determine that the target user does not register the account number on the preset authorization platform, or the target user is not a registered user of the preset authorization platform, so that the target user becomes a registered user of the preset authorization platform.

Optionally, the apparatus 800 may further include: a judging module and an activation guiding module. The system comprises a judging module, a judging module and a judging module, wherein the judging module is used for judging whether the medical insurance electronic certificate of a target user is in an activated state; if the mobile terminal is in the activated state, triggering the medical insurance payment voucher acquisition module 802; and if the mobile terminal is not in the activated state, triggering to activate the guide module. And the activation guide module is used for guiding the target user to activate the medical insurance electronic certificate in the preset authorization platform.

It should be noted that the medical expense payment apparatus 800 can implement the method of fig. 2 and achieve the same technical effects, and the detailed contents refer to the method shown in fig. 2 and are not repeated.

As shown in fig. 9, one embodiment of the present specification provides a medical expense payment apparatus 900, and in one software implementation, the apparatus 900 may include: a calling module 901, a first receiving module 902, and a settlement module 903.

The invoking module 901 is configured to invoke a preset internet of things device to acquire preset biometric information of a target user in response to a request of the target user for paying medical expenses using medical insurance, so as to perform identity authentication on the target user.

The first receiving module 902 is configured to receive a medical insurance payment credential of the target user sent by the preset internet of things device, where the medical insurance payment credential is obtained by the preset internet of things device when the identity authentication of the target user passes, and the medical insurance payment credential is generated based on a medical insurance electronic credential of the target user.

And the settlement module 903 is used for inquiring the medical insurance information of the target user according to the medical insurance payment voucher and settling the medical expense based on the medical insurance information.

It should be noted that the medical expense payment apparatus 900 can implement the method of fig. 3 and achieve the same technical effects, and the detailed contents refer to the method shown in fig. 3 and are not repeated.

While certain embodiments of the present disclosure have been described above, other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

All the embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the apparatus embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

In short, the above description is only a preferred embodiment of the present disclosure, and is not intended to limit the scope of the present disclosure. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of the present disclosure should be included in the scope of protection of one or more embodiments of the present disclosure.

The systems, apparatuses, modules or units described in the above embodiments may be specifically implemented by a computer chip or an entity, or implemented by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, may implement the information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include transitory computer readable media (transmyedia) such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element described by the phrase "comprising a" does not exclude the presence of other identical elements in processes, methods, articles, or devices that comprise the element.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

Claims (26)

1. A medical expense payment method comprising:

responding to a calling request initiated by a medical institution cashier system when a target user uses a medical insurance payment medical expense request, acquiring preset biological characteristic information of the target user and sending the preset biological characteristic information to a server of a preset authorization platform, so that the server registers the preset biological characteristic information of the user and the preset biological characteristic information of the target user on the basis of the preset authorization platform, and authenticating the identity of the target user, wherein the preset authorization platform is a medical insurance electronic certificate management platform authorized by a medical insurance management system, and the preset authorization platform is a preset online payment platform;

when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate is generated by the server based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expenses based on the medical insurance information.

2. The method of claim 1, wherein the first and second light sources are selected from the group consisting of,

the preset biological characteristic information comprises at least one of the following: face image information, finger vein information, and iris information.

3. The method of claim 1, further comprising:

when the identity authentication of the target user fails, determining that the target user does not register an account number in the preset authorization platform;

and guiding the target user to register an account number in the preset authorization platform so that the target user becomes a registered user of the preset authorization platform.

4. The method of claim 3, wherein guiding the target user to register an account with the preset authorization platform comprises:

displaying a registration page of the preset authorization platform;

responding to a registration request initiated by the target user in the registration page, and sending the identity information, the preset biological feature information and the registration account information of the target user carried in the registration request to the server, so that the server generates a registration account of the target user in the preset authorization platform, and correspondingly stores the account, the identity information and the preset biological feature information of the target user.

5. The method of claim 1, prior to obtaining the target user's medical insurance payment credentials, the method further comprising:

judging whether the medical insurance electronic certificate of the target user is in an activated state;

if the target user is in the activated state, executing the step of acquiring the medical insurance payment certificate of the target user;

and if the target user is not in the activated state, guiding the target user to activate the medical insurance electronic certificate in the preset authorization platform.

6. The method of claim 5, wherein guiding the target user to activate a medical insurance electronic credential in the preset authorization platform comprises:

displaying an activation page of the medical insurance electronic certificate;

responding to a medical insurance electronic certificate activation request initiated by the target user in the activation page, and sending the identity information of the target user to a server of the preset authorization platform, so that the server activates the medical insurance electronic certificate of the target user generated by the medical insurance management system in advance based on the identity information of the target user.

7. The method of claim 4 or 6, wherein,

the identity information of the target user comprises real-name authentication information of the target user.

8. The method of claim 1, wherein obtaining the target user's medical insurance payment credentials upon passing the target user's identity authentication comprises:

when the identity authentication of the target user passes, determining the identity information of the target user;

and acquiring a medical insurance payment certificate of the target user from a server side of the preset authorization platform based on the identity information of the target user.

9. The method of claim 1, wherein obtaining the target user's medical insurance payment credentials upon passing of the target user's identity authentication comprises:

when the identity authentication of the target user passes, determining the identity information of the target user;

sending the identity information of the target user to a server of the preset authorization platform, so that the server determines a medical insurance payment certificate of the target user based on the identity information of the target user and sends the medical insurance payment certificate of the target user to a client corresponding to the target user;

and acquiring the medical insurance payment certificate of the target user by scanning the medical insurance payment certificate displayed in the client, wherein the medical insurance payment certificate is a two-dimensional code.

10. The method of claim 1, wherein transmitting the medical insurance payment credentials of the target user to the medical institution cashier system to enable the medical institution cashier system to inquire the medical insurance information of the target user according to the medical insurance payment credentials and to perform the settlement of the medical expense based on the medical insurance information comprises:

transmitting the medical insurance payment certificate of the target user to the medical institution cash register system so that the medical institution cash register system sends the medical insurance payment certificate to the medical insurance management system, and performing medical insurance pre-settlement based on the medical expense list and medical insurance information corresponding to the medical insurance payment certificate returned by the medical insurance management system;

and receiving a pre-settlement result returned by the medical institution cashier system, and initiating a settlement request to the medical institution cashier system based on the pre-settlement result so as to complete the payment of the medical expense.

11. The method of claim 10, wherein initiating a settlement request to the healthcare facility cashier system based on the pre-settlement result to complete payment of the present healthcare fee comprises:

when the pre-settlement result comprises the self-payment amount, displaying the pre-settlement result;

and sending a self-fee settlement request to the medical institution cash register system in response to a payment confirmation operation made by the target user based on the pre-settlement result, wherein the self-fee settlement request is used for requesting the medical institution cash register system to complete payment of self-fee amount in the pre-settlement result based on a payment code of the target user, the payment code of the target user is carried in the self-fee settlement request, and the payment code is determined based on an account number registered by the target user on the preset authorization platform.

12. The method of claim 10, wherein initiating a settlement request to the medical institution checkout system based on the pre-settlement result to complete the payment of the medical fee comprises:

when the medical insurance payment amount contained in the pre-settlement result is larger than the preset amount, displaying the pre-settlement result;

and responding to a payment confirmation operation made by the target user based on the pre-settlement result, and sending a medical insurance settlement request to the medical institution cash register system, wherein the medical insurance settlement request is used for requesting the medical institution cash register system to use medical insurance to complete payment of the medical insurance payment amount of the pre-settlement result.

13. The method of claim 10, wherein initiating a settlement request to the medical institution checkout system based on the pre-settlement result to complete the payment of the medical fee comprises:

and when the pre-settlement result does not contain the self-payment amount and the medical insurance payment amount contained in the pre-settlement result is less than or equal to the preset amount, sending a medical insurance settlement request to the medical institution cash register system, wherein the medical insurance settlement request is used for requesting the medical institution cash register system to complete the payment of the medical insurance payment amount in the pre-settlement result.

14. The method of any of claims 1, 10-13, further comprising:

and displaying the payment result of the medical expense.

15. A medical expense payment method comprising:

in response to a request of a target user for paying medical expenses by using a medical insurance, calling preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to authenticate the identity of the target user;

receiving a medical insurance payment certificate of the target user sent by the preset Internet of things device, wherein the medical insurance payment certificate is acquired by the preset Internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated by a server of a preset authorization platform based on a medical insurance electronic certificate of the target user, the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user, the identity authentication is performed by the server based on preset biological characteristic information of a registered user of the preset authorization platform and preset biological characteristic information of the target user, the preset authorization platform is a medical insurance electronic certificate management platform authorized by the medical insurance management system, and the preset authorization platform is a preset online payment platform;

and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

16. The method of claim 15, wherein querying medical insurance information of the target user according to the medical insurance payment credentials and settling the medical expenses based on the medical insurance information comprises:

sending the medical insurance payment voucher to a medical insurance management system, and performing medical insurance pre-settlement based on the medical expense list and medical insurance information corresponding to the medical insurance payment voucher and returned by the medical insurance management system;

and feeding back a pre-settlement result to the preset Internet of things equipment, and completing the payment of the medical expense based on a settlement request made by the preset Internet of things equipment aiming at the pre-settlement result.

17. The method of claim 16, wherein the step of completing the payment of the medical expense based on the settlement request made from the preset internet-of-things device for the pre-settlement result comprises the following steps:

receiving a self-fee settlement request sent by the preset Internet of things device when the pre-settlement result contains self-fee amount;

and in response to the self-fee settlement request, completing payment of the self-fee amount in the pre-settlement result based on the payment code of the target user, wherein the payment code of the target user is carried in the self-fee settlement request, the payment code is determined based on an account number registered by the target user on a preset authorization platform, and the preset authorization platform is a preset online payment platform.

18. The method of claim 16, wherein the completing the payment of the medical expense based on the settlement request made from the preset internet of things device for the pre-settlement result comprises:

receiving a medical insurance settlement request sent by the preset Internet of things device when the pre-settlement result contains medical insurance payment amount;

and responding to the medical insurance settlement request, and finishing the payment of the medical insurance payment amount of the pre-settlement result by using the medical insurance.

19. A medical fee payment method comprising:

the medical institution cashier system responds to a request of a target user for paying medical expenses by using medical insurance, and calls preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to perform identity authentication on the target user;

the preset Internet of things equipment acquires and transmits medical insurance payment credentials of the target user to the medical institution cashier system when the identity authentication of the target user passes, wherein the medical insurance payment credentials are generated by a server of a preset authorization platform based on medical insurance electronic credentials of the target user, the medical insurance electronic credentials are generated by a medical insurance management system based on medical insurance information of the target user, the identity authentication is carried out by preset biological characteristic information of a registered user of the server based on the preset authorization platform and preset biological characteristic information of the target user, the preset authorization platform is a medical insurance electronic credential management platform authorized by the medical insurance management system, and the preset authorization platform is a preset online payment platform;

and the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expense based on the medical insurance information.

20. A medical expense payment device comprising:

the system comprises a first response module, a service end and a service end, wherein the first response module is used for responding to a calling request initiated by a medical institution cashier system when receiving a request for paying medical expenses by a target user using a medical insurance, acquiring preset biological characteristic information of the target user and sending the preset biological characteristic information to a preset authorization platform, so that the service end can perform identity authentication on the target user based on the preset biological characteristic information of a registered user of the preset authorization platform and the preset biological characteristic information of the target user, the preset authorization platform is a medical insurance electronic certificate management platform authorized by a medical insurance management system, and the preset authorization platform is a preset online payment platform;

the medical insurance payment certificate acquisition module is used for acquiring a medical insurance payment certificate of the target user when the identity authentication of the target user passes, wherein the medical insurance payment certificate is generated by the server based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and the settlement request module is used for transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so as to enable the medical institution cashier system to inquire the medical insurance information of the target user according to the medical insurance payment certificate and settle the medical expense based on the medical insurance information.

21. A medical expense payment device comprising:

the calling module is used for calling preset Internet of things equipment to acquire preset biological characteristic information of a target user in response to a request of the target user for paying medical expenses by using medical insurance so as to authenticate the identity of the target user;

the system comprises a first receiving module and a second receiving module, wherein the first receiving module is used for receiving a medical insurance payment certificate of the target user sent by the preset internet of things device, the medical insurance payment certificate is acquired by the preset internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated by a server of a preset authorization platform based on a medical insurance electronic certificate of the target user, the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user, the identity authentication is performed by the server based on preset biological characteristic information of a registered user of the preset authorization platform and preset biological characteristic information of the target user, the preset authorization platform is a medical insurance electronic certificate management platform authorized by the medical insurance management system, and the preset authorization platform is a preset online payment platform;

and the settlement module is used for inquiring the medical insurance information of the target user according to the medical insurance payment voucher and settling the medical expense based on the medical insurance information.

22. A medical expense payment system comprising: a medical institution bank payment system and preset Internet of things equipment,

the preset Internet of things equipment is used for responding to an initiating calling request of a medical institution cashier system when receiving a request of a target user for paying medical expenses by using a medical insurance, and acquiring preset biological characteristic information of the target user so as to authenticate the identity of the target user; when the identity authentication of the target user passes, acquiring and transmitting medical insurance payment credentials of the target user to a cashier system of the medical institution, wherein the medical insurance payment credentials are generated by a service end of a preset authorization platform based on medical insurance electronic credentials of the target user, the medical insurance electronic credentials are generated by a medical insurance management system based on medical insurance information of the target user, the identity authentication is performed by preset biological characteristic information of a registered user of the service end based on the preset authorization platform and preset biological characteristic information of the target user, the preset authorization platform is a medical insurance electronic credentials management platform authorized by the medical insurance management system, and the preset authorization platform is a preset online payment platform;

the medical institution cashier system is used for responding to a request of a target user for paying medical expenses by using a medical insurance, calling the preset Internet of things equipment to acquire preset biological characteristic information of the target user, and performing identity authentication on the target user; receiving a medical insurance payment certificate of the target user sent by the preset Internet of things equipment; and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

23. An electronic device, comprising:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

responding to a calling request initiated by a medical institution cashier system when a target user uses a medical insurance payment medical expense request, acquiring preset biological characteristic information of the target user and sending the preset biological characteristic information to a server of a preset authorization platform, so that the server registers the preset biological characteristic information of the user and the preset biological characteristic information of the target user on the basis of the preset authorization platform, and authenticating the identity of the target user, wherein the preset authorization platform is a medical insurance electronic certificate management platform authorized by a medical insurance management system, and the preset authorization platform is a preset online payment platform;

when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate is generated by the server based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expenses based on the medical insurance information.

24. A computer readable storage medium storing one or more programs that, when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:

responding to a calling request initiated when a medical insurance payment request of a target user is received by a medical institution cashier system, acquiring preset biological characteristic information of the target user and sending the preset biological characteristic information to a server of a preset authorization platform, so that the server performs identity authentication on the target user based on the preset biological characteristic information of a registered user of the preset authorization platform and the preset biological characteristic information of the target user, wherein the preset authorization platform is a medical insurance electronic certificate management platform authorized by a medical insurance management system, and the preset authorization platform is a preset online payment platform;

when the identity authentication of the target user passes, acquiring a medical insurance payment certificate of the target user, wherein the medical insurance payment certificate is generated by the server based on a medical insurance electronic certificate of the target user, and the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user;

and transmitting the medical insurance payment certificate of the target user to the medical institution cashier system so that the medical institution cashier system inquires the medical insurance information of the target user according to the medical insurance payment certificate and settles the medical expenses based on the medical insurance information.

25. An electronic device, comprising:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

responding to a request of a target user for paying medical expenses by using a medical insurance, and calling preset Internet of things equipment to acquire preset biological characteristic information of the target user;

receiving a medical insurance payment certificate of the target user sent by the preset Internet of things device, wherein the medical insurance payment certificate is acquired by the preset Internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated by a server of a preset authorization platform based on a medical insurance electronic certificate of the target user, the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user, the identity authentication is performed by the server based on preset biological characteristic information of a registered user of the preset authorization platform and preset biological characteristic information of the target user, the preset authorization platform is a medical insurance electronic certificate management platform authorized by the medical insurance management system, and the preset authorization platform is a preset online payment platform;

and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

26. A computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to:

responding to a request of a target user for paying medical expenses by using medical insurance, and calling preset Internet of things equipment to acquire preset biological characteristic information of the target user so as to perform identity authentication on the target user;

receiving a medical insurance payment certificate of the target user sent by the preset Internet of things device, wherein the medical insurance payment certificate is acquired by the preset Internet of things device when the identity authentication of the target user passes, the medical insurance payment certificate is generated by a server of a preset authorization platform based on a medical insurance electronic certificate of the target user, the medical insurance electronic certificate is generated by a medical insurance management system based on medical insurance information of the target user, the identity authentication is performed by the server based on preset biological characteristic information of a registered user of the preset authorization platform and preset biological characteristic information of the target user, the preset authorization platform is a medical insurance electronic certificate management platform authorized by the medical insurance management system, and the preset authorization platform is a preset online payment platform;

and inquiring medical insurance information of the target user according to the medical insurance payment voucher, and settling the medical expenses based on the medical insurance information.

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