CN113129006A - Medical payment system and method - Google Patents
Medical payment system and method Download PDFInfo
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- CN113129006A CN113129006A CN202110545222.1A CN202110545222A CN113129006A CN 113129006 A CN113129006 A CN 113129006A CN 202110545222 A CN202110545222 A CN 202110545222A CN 113129006 A CN113129006 A CN 113129006A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
- G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device
- G06K17/0025—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device the arrangement consisting of a wireless interrogation device in combination with a device for optically marking the record carrier
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The invention discloses a medical payment system and a method, which can be used in the financial field, and the system comprises: the mobile banking end receives a medical payment request initiated by a client and sends a secret key and a client identifier to the hospital server end; the hospital server side inquires basic information of the client at the mobile banking side according to the secret key and the client identification, and sends a token to the mobile banking side when the basic information of the client is consistent with the client information stored in the hospital; when inquiring the electronic bank card corresponding to the hospital of the client, the mobile phone bank terminal generates a two-dimensional code of the electronic bank card and sends the two-dimensional code and a token to the hospital server terminal; the hospital server side checks the two-dimensional code and the token, and sends a fee deduction instruction to the mobile phone bank side after the two-dimensional code and the token pass the checking; the mobile banking terminal deducts funds from the electronic bank card to the hospital account according to the fee deduction instruction, and the method and the system realize efficient and rapid payment of medical expenses and improve customer experience.
Description
Technical Field
The invention relates to the technical field of data processing, can be used in the financial field, and particularly relates to a medical payment system and a medical payment method.
Background
At present, when a customer goes to a hospital for doctor seeing and paying, if a local medical insurance card is not available, a doctor card corresponding to the hospital needs to be opened, then the doctor card is queued for recharging, the doctor card is swiped for taking medicine, the doctor card is queued for returning the card for paying fee after taking medicine, the process is complicated, the efficiency is low, the entity doctor card is easy to lose and is not easy to manage, and the customer experience is influenced.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a mobile banking terminal, which is used for improving the efficiency of medical payment and comprises:
the key and client identification sending module is used for receiving a medical payment request initiated by a client and sending the key and the client identification to a hospital server;
the basic information sending module is used for sending the basic information of the client to the hospital server according to the key and the client identification returned by the hospital server;
the token receiving module is used for receiving a token returned by the hospital server after the basic information of the client is verified by the hospital server;
the two-dimension code sending module is used for generating a two-dimension code of the electronic bank card when inquiring the electronic bank card corresponding to the hospital of the client, and sending the two-dimension code and the token to the hospital server;
and the payment module is used for deducting funds from the electronic bank card to a hospital account according to a fee deduction instruction sent by the hospital server after the two-dimensional code and the token are verified at the hospital server.
The embodiment of the invention provides a hospital server end for improving the efficiency of medical payment, which comprises:
the key and customer identification receiving module is used for receiving the key and customer identification sent by the customer mobile phone bank terminal when a customer initiates a medical payment request;
the basic information inquiry module is used for inquiring the basic information of the customer at the mobile banking end according to the secret key and the customer identification;
the token generation module is used for generating a token and sending the token to a mobile banking terminal when the basic information of the client is consistent with the client information stored in the hospital;
the verification module is used for receiving the two-dimensional code and the token returned by the mobile banking terminal and verifying the two-dimensional code and the token;
and the fee deduction instruction sending module is used for sending a fee deduction instruction to the mobile banking terminal after the two-dimensional code and the token pass the verification, and the mobile banking terminal is used for deducting funds from the electronic bank card to a hospital account.
The embodiment of the invention provides a medical payment system, which is used for improving the efficiency of medical payment and comprises: the mobile phone bank end as described above and the hospital server end as described above.
The embodiment of the invention provides a medical payment method, which is used for improving the efficiency of medical payment and comprises the following steps:
receiving a medical payment request initiated by a client, and sending a key and a client identifier to a hospital server;
sending basic information of the client to the hospital server according to the key and the client identification returned by the hospital server;
after the basic information of the client is verified by the hospital server, a token returned by the hospital server is received;
when the electronic bank card corresponding to the hospital of the client is inquired, generating a two-dimensional code of the electronic bank card, and sending the two-dimensional code and a token to a hospital server;
and after the two-dimensional code and the token pass the verification at the hospital server, deducting funds from the electronic bank card to a hospital account according to a fee deduction instruction sent by the hospital server.
The embodiment of the invention provides a medical payment method, which is used for improving the efficiency of medical payment and comprises the following steps:
when a customer initiates a medical payment request, receiving a secret key and a customer identifier sent by a customer mobile phone bank terminal;
inquiring basic information of the customer at the mobile banking end according to the secret key and the customer identification;
when the basic information of the client is consistent with the client information stored in the hospital, generating a token, and sending the token to a mobile banking terminal;
receiving the two-dimensional code and the token returned by the mobile banking terminal, and verifying the two-dimensional code and the token;
and after the two-dimension code and the token pass the verification, sending a fee deduction instruction to a mobile banking end, wherein the mobile banking end is used for deducting funds from the electronic bank card to a hospital account.
The embodiment of the invention provides a medical payment method, which is used for improving the efficiency of medical payment and comprises the following steps:
the mobile banking end receives a medical payment request initiated by a client and sends a secret key and a client identifier to the hospital server end;
the hospital server side inquires basic information of the client at the mobile phone bank side according to the secret key and the client identification, generates a token when the basic information of the client is consistent with the client information stored in the hospital, and sends the token to the mobile phone bank side;
when inquiring the electronic bank card corresponding to the hospital of the client, the mobile phone bank terminal generates a two-dimensional code of the electronic bank card and sends the two-dimensional code and a token to the hospital server terminal;
the hospital server side verifies the two-dimensional code and the token, and sends a fee deduction instruction to the mobile phone bank side after the two-dimensional code and the token pass verification;
and the mobile banking terminal deducts funds from the electronic bank card to a hospital account according to the fee deduction instruction.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the medical payment method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores the medical payment method.
The embodiment of the invention comprises the following steps: the mobile banking end receives a medical payment request initiated by a client and sends a secret key and a client identifier to the hospital server end; the hospital server side inquires basic information of the client at the mobile phone bank side according to the secret key and the client identification, generates a token when the basic information of the client is consistent with the client information stored in the hospital, and sends the token to the mobile phone bank side; when inquiring the electronic bank card corresponding to the hospital of the client, the mobile phone bank terminal generates a two-dimensional code of the electronic bank card and sends the two-dimensional code and a token to the hospital server terminal; the hospital server side verifies the two-dimensional code and the token, and sends a fee deduction instruction to the mobile phone bank side after the two-dimensional code and the token pass verification; according to the invention, through token verification and electronic bank card two-dimensional code verification between the mobile banking terminal and the hospital server terminal, the fund can be automatically deducted from the electronic bank card to the hospital account when a customer initiates a medical payment request, so that efficient and rapid payment of medical expenses is realized, and the customer experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic diagram of a mobile banking end structure in the embodiment of the present invention;
fig. 2 is a schematic diagram of another structure of the mobile banking terminal in the embodiment of the present invention;
FIG. 3 is a schematic diagram of a hospital server side architecture in an embodiment of the present invention;
FIG. 4 is a diagram of another configuration of a hospital server side in an embodiment of the present invention;
FIG. 5 is a schematic diagram of the architecture of a medical payment system in an embodiment of the invention;
FIG. 6 is a schematic diagram of a medical payment method flow (mobile banking terminal angle) in an embodiment of the present invention;
FIG. 7 is a schematic diagram of a medical payment method flow (hospital server side perspective) in an embodiment of the present invention;
fig. 8 is a schematic diagram (overall system perspective) of a medical payment method flow in an embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the 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 invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
An embodiment of the present invention provides a mobile banking terminal, configured to improve efficiency of medical payment, where fig. 1 is a schematic diagram of a mobile banking terminal structure in an embodiment of the present invention, and as shown in fig. 1, the mobile banking terminal includes:
a key and client identifier sending module 101, configured to receive a medical payment request initiated by a client, and send a key and a client identifier to a hospital server;
a basic information sending module 102, configured to send basic information of a client to a hospital server according to a secret key and a client identifier returned by the hospital server;
the token receiving module 103 is configured to receive a token returned by the hospital server after the basic information of the client is verified by the hospital server;
the two-dimension code sending module 104 is used for generating a two-dimension code of the electronic bank card when inquiring the electronic bank card corresponding to the hospital of the client, and sending the two-dimension code and the token to the hospital server;
and the payment module 105 is used for deducting funds from the electronic bank card to a hospital account according to a fee deduction instruction sent by the hospital server after the two-dimensional code and the token are verified by the hospital server.
Fig. 2 is a schematic diagram of another structure of the mobile banking terminal in the embodiment of the present invention, as shown in fig. 2, in an embodiment, the mobile banking terminal further includes: a real-name authentication module 106 configured to:
before receiving a medical payment request initiated by a client, judging whether the client is a real-name authentication client or not;
and if the client is not the real-name authentication client, the real-name authentication is carried out on the client through the bank card bound by the client.
As shown in fig. 2, in an embodiment, the mobile phone bank terminal further includes: an electronic bank card generating module 107, configured to:
when the electronic bank card corresponding to the client in the hospital is not inquired, the electronic bank card corresponding to the client in the hospital is generated according to the bank card when the client is authenticated by real name, and the electronic bank card information is sent to a hospital server;
the electronic bank card information at least comprises: name, certificate type, certificate number, mobile phone number, electronic bank card number.
As shown in fig. 2, in an embodiment, the mobile phone bank terminal further includes: a display module 108 for:
after deducting funds from the electronic bank card to a hospital account, displaying a payment result, wherein the payment result at least comprises: payment amount, transaction time, hospital name and transaction type.
In specific implementation, when a client logs in a mobile phone bank, the real-name authentication module 106 firstly judges whether the client is a real-name authentication client or not, and if the client is a real-name authentication user, subsequent payment operation is allowed; and if the client is not the real-name authentication client, guiding the client to perform real-name authentication, specifically, realizing the real-name authentication of the user based on the existing bank card binding function according to the bank card bound by the client, and performing payment operation after the real-name authentication.
When a customer user selects a certain hospital for a doctor, the customer initiates a medical payment request from a mobile banking terminal, a key and customer identification sending module 101 sends a unique character string and a customer ID to a hospital server terminal, the unique character string is abbreviated as CODE, and after receiving the CODE and the customer ID, the hospital server terminal inquires basic information of the customer at the mobile banking terminal through the CODE and the customer ID, wherein the basic information may include: the name, the certificate type, the certificate number and the mobile phone number are sent to a hospital server side by a basic information sending module 102, the basic information of a client is verified by the hospital server side, the basic information of the client is compared with the client information stored in the hospital, when the basic information of the client and the client information are consistent, the verification is confirmed to be passed, a token is generated, the token is returned to a mobile phone bank side, the mutual trust process is completed, and the token is required to be sent to a subsequent task request initiated by the mobile phone bank side. the Token is a string of character strings generated by the server side, and is used as a Token requested by the client side, after the Token is logged in for the first time, the server generates a Token and returns the Token to the client side, and the client side only needs to bring the Token to request data before the Token.
After receiving the token returned by the hospital server, the token receiving module 103 completes mutual communication between the mobile phone bank end and the hospital server, then the two-dimensional code sending module 104 inquires whether an electronic bank card corresponding to the customer in the hospital exists, if so, the two-dimensional code of the electronic bank card is directly generated, if not, the electronic bank card generating module 107 generates the electronic bank card corresponding to the customer in the hospital according to the bank card when the customer is authenticated by real name, and synchronizes the electronic bank card information to the hospital server, wherein the electronic card information includes: the name, the certificate type, the certificate number, the mobile phone number and the electronic bank card number, and then, a two-dimensional code bound with the electronic bank card is generated.
When the user needs to pay medical fees in this hospital, send two-dimensional code and token to hospital server end through the cell-phone bank end, hospital server end carries out the check-up to two-dimensional code and token, after two-dimensional code and token check-up pass, hospital server end launches the deduction instruction to cell-phone bank end, payment module 105 is according to the deduction instruction, direct entity bank buckle of binding with electronic bank card draws fund to the appointed account of hospital, after the payment is successful, display module 108 shows the payment result, the payment result includes at least: payment amount, transaction time, hospital name and transaction type.
An embodiment of the present invention provides a hospital server to improve efficiency of medical payment, and fig. 3 is a schematic diagram of a hospital server structure in an embodiment of the present invention, as shown in fig. 3, the hospital server includes:
a key and customer identification receiving module 301, configured to receive a key and customer identification sent by a customer mobile banking terminal when a customer initiates a medical payment request;
a basic information query module 302, configured to query basic information of a client at a mobile banking end according to a secret key and a client identifier;
the token generation module 303 is configured to generate a token and send the token to the mobile banking end when the basic information of the client is consistent with the client information stored in the hospital;
the verification module 304 is used for receiving the two-dimensional code and the token returned by the mobile banking terminal and verifying the two-dimensional code and the token;
and the fee deduction instruction sending module 305 is used for sending a fee deduction instruction to the mobile banking terminal after the two-dimensional code and the token pass the verification, and the mobile banking terminal is used for deducting funds from the electronic bank card to a hospital account.
In one embodiment, the verification module 304 is specifically configured to:
scanning the two-dimensional code, and identifying the electronic bank card information in the two-dimensional code;
when the electronic bank card information in the two-dimensional code is consistent with the electronic bank card information stored in the hospital, determining that the two-dimensional code passes the verification;
and when the token returned by the mobile banking end is consistent with the token sent to the mobile banking end, determining that the token passes the verification.
Fig. 4 is a schematic diagram of another structure of the hospital server according to the embodiment of the present invention, as shown in fig. 4, in an embodiment, the hospital server further includes: new customer setup module 306 for
If the client information stored in the hospital does not exist, establishing a new client in the hospital according to the basic information of the client;
and after a new client is established, generating a token and sending the token to a mobile banking terminal.
In specific implementation, when the hospital server checks the basic information of the client, the basic information of the client needs to be compared with the client information stored in the hospital, if the client information stored in the hospital does not exist, a new client can be established in the hospital according to the basic information of the client, a token of the new client is generated, and mutual trust between the mobile phone bank end and the hospital server is achieved.
When the hospital server side checks the two-dimensional code and the token, the two-dimensional code is scanned firstly, electronic bank card information in the two-dimensional code is identified, when the electronic bank card information in the two-dimensional code is consistent with electronic bank card information stored in a hospital, the two-dimensional code is determined to be checked to be passed, then when the token returned by the mobile phone bank side is consistent with the token sent to the mobile phone bank side, the token is determined to be checked to be passed, and finally, the two-dimensional code and the token are determined to be checked to be passed.
An embodiment of the present invention provides a medical payment system, configured to improve efficiency of medical payment, where fig. 5 is a schematic diagram of a structure of the medical payment system in the embodiment of the present invention, and as shown in fig. 5, the medical payment system includes: the mobile phone bank end as described above and the hospital server end as described above.
The following is a specific example to facilitate an understanding of how the invention may be practiced.
The first step is as follows: when a customer logs in a mobile phone bank, the mobile phone bank side judges whether the customer is a real-name authentication customer or not, and if the customer is a real-name authentication user, subsequent payment operation is executed; if the customer is not the real-name authenticated customer, the real-name authentication of the customer is realized based on the existing bank card binding function according to the bank card bound by the customer, and the subsequent payment operation is executed after the real-name authentication;
the second step is that: when a customer user selects a certain hospital to see a doctor, the customer initiates a medical payment request from a mobile banking terminal, and the mobile banking terminal sends a CODE and a customer ID to a hospital server terminal;
the third step: after receiving the CODE and the customer ID, the hospital server side inquires the basic information of the customer at the mobile banking side through the CODE and the customer ID, and the method comprises the following steps: the method comprises the steps that basic information of a client is verified, the basic information of the client is compared with client information stored in a hospital, when the basic information of the client is consistent with the client information stored in the hospital, a token is generated, if the basic information of the client does not exist in the client information stored in the hospital, a new client is established in the hospital according to the basic information of the client, the token of the new client is generated, and the token of the token is returned to a bank end of a mobile phone;
the fourth step: the mobile banking terminal inquires whether an electronic bank card corresponding to the client in the hospital exists, if so, the two-dimensional code of the electronic bank card is directly generated, if not, the electronic bank card corresponding to the client in the hospital is generated according to the bank card when the client is authenticated by real name, and the information of the electronic bank card is synchronized to the hospital server terminal, wherein the information of the electronic card comprises: the method comprises the steps of generating a two-dimensional code bound with an electronic bank card simultaneously according to a name, a certificate type, a certificate number, a mobile phone number and the electronic bank card number;
the fifth step: when a client needs to pay medical fees in the hospital, the two-dimensional code and the token are sent to a hospital server end through a mobile phone bank end;
and a sixth step: the hospital server side checks the two-dimensional code and the token, firstly, the two-dimensional code is scanned, electronic bank card information in the two-dimensional code is identified, when the electronic bank card information in the two-dimensional code is consistent with electronic bank card information stored in a hospital, the two-dimensional code is confirmed to be checked to be passed, then, when the token returned by the mobile phone bank side is consistent with the token sent to the mobile phone bank side, the token is confirmed to be checked to be passed, finally, the two-dimensional code and the token are confirmed to be checked to be passed, and a fee deduction instruction is sent to the mobile phone bank side;
the seventh step: the mobile banking terminal directly transfers funds from the entity bank card bound with the electronic bank card to an account appointed by the hospital according to the fee deduction instruction;
eighth step: after the payment is successful, the mobile banking terminal displays a payment result, and the payment result at least comprises: payment amount, transaction time, hospital name and transaction type.
Based on the same inventive concept, the embodiment of the invention provides a medical payment method (mobile phone bank end angle), as the following embodiment. Because the principle of the medical payment method for solving the problem is similar to that of the medical payment system, the implementation of the method can be referred to the implementation of the system, and repeated details are not repeated.
Fig. 6 is a schematic diagram of a flow of a medical payment method (a mobile banking terminal angle) in an embodiment of the present invention, and as shown in fig. 6, the method includes:
step 601: receiving a medical payment request initiated by a client, and sending a key and a client identifier to a hospital server;
step 602: sending basic information of the client to the hospital server according to the key and the client identification returned by the hospital server;
step 603: after the basic information of the client is verified by the hospital server, a token returned by the hospital server is received;
step 604: when the electronic bank card corresponding to the hospital of the client is inquired, generating a two-dimensional code of the electronic bank card, and sending the two-dimensional code and a token to a hospital server;
step 605: and after the two-dimensional code and the token pass the verification at the hospital server, deducting funds from the electronic bank card to a hospital account according to a fee deduction instruction sent by the hospital server.
In one embodiment, prior to receiving the customer-initiated medical payment request, further comprising:
judging whether the client is a real-name authentication client or not;
and if the client is not the real-name authentication client, the real-name authentication is carried out on the client through the bank card bound by the client.
In one embodiment, the method further comprises:
when the electronic bank card corresponding to the client in the hospital is not inquired, the electronic bank card corresponding to the client in the hospital is generated according to the bank card when the client is authenticated by real name, and the electronic bank card information is sent to a hospital server;
the electronic bank card information at least comprises: name, certificate type, certificate number, mobile phone number, electronic bank card number.
In one embodiment, after the money is deducted from the electronic bank card to the hospital account, the method further comprises the following steps:
displaying a payment result, wherein the payment result at least comprises: payment amount, transaction time, hospital name and transaction type.
Based on the same inventive concept, an embodiment of the present invention provides a medical payment method (from a hospital server side) to improve efficiency of medical payment, and fig. 7 is a schematic diagram (from a hospital server side) of a flow of the medical payment method in the embodiment of the present invention, as shown in fig. 7, the method includes:
step 701: when a customer initiates a medical payment request, receiving a secret key and a customer identifier sent by a customer mobile phone bank terminal;
step 702: inquiring basic information of the customer at the mobile banking end according to the secret key and the customer identification;
step 703: when the basic information of the client is consistent with the client information stored in the hospital, generating a token, and sending the token to a mobile banking terminal;
step 704: receiving the two-dimensional code and the token returned by the mobile banking terminal, and verifying the two-dimensional code and the token;
step 705: and after the two-dimension code and the token pass the verification, sending a fee deduction instruction to a mobile banking end, wherein the mobile banking end is used for deducting funds from the electronic bank card to a hospital account.
In one embodiment, the verifying the two-dimensional code and the token comprises:
scanning the two-dimensional code, and identifying the electronic bank card information in the two-dimensional code;
when the electronic bank card information in the two-dimensional code is consistent with the electronic bank card information stored in the hospital, determining that the two-dimensional code passes the verification;
and when the token returned by the mobile banking end is consistent with the token sent to the mobile banking end, determining that the token passes the verification.
In one embodiment, the method further comprises:
if the client information stored in the hospital does not exist, establishing a new client in the hospital according to the basic information of the client;
and after a new client is established, generating a token and sending the token to a mobile banking terminal.
Based on the same inventive concept, an embodiment of the present invention provides a medical payment method (overall system angle) to improve efficiency of medical payment, and fig. 8 is a schematic diagram (overall system angle) of a flow of the medical payment method in the embodiment of the present invention, as shown in fig. 8, the method includes:
step 801: the mobile banking end receives a medical payment request initiated by a client and sends a secret key and a client identifier to the hospital server end;
step 802: the hospital server side inquires basic information of the client at the mobile phone bank side according to the secret key and the client identification, generates a token when the basic information of the client is consistent with the client information stored in the hospital, and sends the token to the mobile phone bank side;
step 803: when inquiring the electronic bank card corresponding to the hospital of the client, the mobile phone bank terminal generates a two-dimensional code of the electronic bank card and sends the two-dimensional code and a token to the hospital server terminal;
step 804: the hospital server side verifies the two-dimensional code and the token, and sends a fee deduction instruction to the mobile phone bank side after the two-dimensional code and the token pass verification;
step 805: and the mobile banking terminal deducts funds from the electronic bank card to a hospital account according to the fee deduction instruction.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the medical payment method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores the medical payment method.
In summary, the embodiment of the present invention provides: the mobile banking end receives a medical payment request initiated by a client and sends a secret key and a client identifier to the hospital server end; the hospital server side inquires basic information of the client at the mobile phone bank side according to the secret key and the client identification, generates a token when the basic information of the client is consistent with the client information stored in the hospital, and sends the token to the mobile phone bank side; when inquiring the electronic bank card corresponding to the hospital of the client, the mobile phone bank terminal generates a two-dimensional code of the electronic bank card and sends the two-dimensional code and a token to the hospital server terminal; the hospital server side verifies the two-dimensional code and the token, and sends a fee deduction instruction to the mobile phone bank side after the two-dimensional code and the token pass verification; according to the invention, through token verification and electronic bank card two-dimensional code verification between the mobile banking terminal and the hospital server terminal, the fund can be automatically deducted from the electronic bank card to the hospital account when a customer initiates a medical payment request, so that efficient and rapid payment of medical expenses is realized, and the customer experience is improved.
Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
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. In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, 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. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention. Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (13)
1. A mobile phone bank terminal, comprising:
the key and client identification sending module is used for receiving a medical payment request initiated by a client and sending the key and the client identification to a hospital server;
the basic information sending module is used for sending the basic information of the client to the hospital server according to the key and the client identification returned by the hospital server;
the token receiving module is used for receiving a token returned by the hospital server after the basic information of the client is verified by the hospital server;
the two-dimension code sending module is used for generating a two-dimension code of the electronic bank card when inquiring the electronic bank card corresponding to the hospital of the client, and sending the two-dimension code and the token to the hospital server;
and the payment module is used for deducting funds from the electronic bank card to a hospital account according to a fee deduction instruction sent by the hospital server after the two-dimensional code and the token are verified at the hospital server.
2. The mobile phone bank terminal of claim 1, further comprising: a real-name authentication module to:
before receiving a medical payment request initiated by a client, judging whether the client is a real-name authentication client or not;
and if the client is not the real-name authentication client, the real-name authentication is carried out on the client through the bank card bound by the client.
3. The handset bank terminal according to claim 2, further comprising: an electronic bank card generation module for:
when the electronic bank card corresponding to the client in the hospital is not inquired, the electronic bank card corresponding to the client in the hospital is generated according to the bank card when the client is authenticated by real name, and the electronic bank card information is sent to a hospital server;
the electronic bank card information at least comprises: name, certificate type, certificate number, mobile phone number, electronic bank card number.
4. The mobile phone bank terminal of claim 1, further comprising: a display module to:
after deducting funds from the electronic bank card to a hospital account, displaying a payment result, wherein the payment result at least comprises: payment amount, transaction time, hospital name and transaction type.
5. A hospital server side, comprising:
the key and customer identification receiving module is used for receiving the key and customer identification sent by the customer mobile phone bank terminal when a customer initiates a medical payment request;
the basic information inquiry module is used for inquiring the basic information of the customer at the mobile banking end according to the secret key and the customer identification;
the token generation module is used for generating a token and sending the token to a mobile banking terminal when the basic information of the client is consistent with the client information stored in the hospital;
the verification module is used for receiving the two-dimensional code and the token returned by the mobile banking terminal and verifying the two-dimensional code and the token;
and the fee deduction instruction sending module is used for sending a fee deduction instruction to the mobile banking terminal after the two-dimensional code and the token pass the verification, and the mobile banking terminal is used for deducting funds from the electronic bank card to a hospital account.
6. The hospital server side of claim 5, wherein the verification module is specifically configured to:
scanning the two-dimensional code, and identifying the electronic bank card information in the two-dimensional code;
when the electronic bank card information in the two-dimensional code is consistent with the electronic bank card information stored in the hospital, determining that the two-dimensional code passes the verification;
and when the token returned by the mobile banking end is consistent with the token sent to the mobile banking end, determining that the token passes the verification.
7. The hospital server side of claim 5, further comprising: new customer set-up module for
If the client information stored in the hospital does not exist, establishing a new client in the hospital according to the basic information of the client;
and after a new client is established, generating a token and sending the token to a mobile banking terminal.
8. A medical payment system, comprising: the mobile phone bank terminal of any one of claims 1 to 4 and the hospital server terminal of any one of claims 5 to 7.
9. A medical payment method, comprising:
receiving a medical payment request initiated by a client, and sending a key and a client identifier to a hospital server;
sending basic information of the client to the hospital server according to the key and the client identification returned by the hospital server;
after the basic information of the client is verified by the hospital server, a token returned by the hospital server is received;
when the electronic bank card corresponding to the hospital of the client is inquired, generating a two-dimensional code of the electronic bank card, and sending the two-dimensional code and a token to a hospital server;
and after the two-dimensional code and the token pass the verification at the hospital server, deducting funds from the electronic bank card to a hospital account according to a fee deduction instruction sent by the hospital server.
10. A medical payment method, comprising:
when a customer initiates a medical payment request, receiving a secret key and a customer identifier sent by a customer mobile phone bank terminal;
inquiring basic information of the customer at the mobile banking end according to the secret key and the customer identification;
when the basic information of the client is consistent with the client information stored in the hospital, generating a token, and sending the token to a mobile banking terminal;
receiving the two-dimensional code and the token returned by the mobile banking terminal, and verifying the two-dimensional code and the token;
and after the two-dimension code and the token pass the verification, sending a fee deduction instruction to a mobile banking end, wherein the mobile banking end is used for deducting funds from the electronic bank card to a hospital account.
11. A medical payment method, comprising:
the mobile banking end receives a medical payment request initiated by a client and sends a secret key and a client identifier to the hospital server end;
the hospital server side inquires basic information of the client at the mobile phone bank side according to the secret key and the client identification, generates a token when the basic information of the client is consistent with the client information stored in the hospital, and sends the token to the mobile phone bank side;
when inquiring the electronic bank card corresponding to the hospital of the client, the mobile phone bank terminal generates a two-dimensional code of the electronic bank card and sends the two-dimensional code and a token to the hospital server terminal;
the hospital server side verifies the two-dimensional code and the token, and sends a fee deduction instruction to the mobile phone bank side after the two-dimensional code and the token pass verification;
and the mobile banking terminal deducts funds from the electronic bank card to a hospital account according to the fee deduction instruction.
12. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 9 to 11 when executing the computer program.
13. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any of claims 9 to 11.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110545222.1A CN113129006A (en) | 2021-05-19 | 2021-05-19 | Medical payment system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110545222.1A CN113129006A (en) | 2021-05-19 | 2021-05-19 | Medical payment system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113129006A true CN113129006A (en) | 2021-07-16 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110545222.1A Pending CN113129006A (en) | 2021-05-19 | 2021-05-19 | Medical payment system and method |
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| Country | Link |
|---|---|
| CN (1) | CN113129006A (en) |
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2021
- 2021-05-19 CN CN202110545222.1A patent/CN113129006A/en active Pending
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