CN113707284A - Medical insurance policy repayment method - Google Patents
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- 230000000977 initiatory effect Effects 0.000 claims abstract description 16
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- 230000008569 process Effects 0.000 abstract description 30
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- G16H40/00—ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices
- G16H40/20—ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices for the management or administration of healthcare resources or facilities, e.g. managing hospital staff or surgery rooms
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Abstract
The invention provides a medical insurance policy repayment method, which is applied to an intelligent contract executed by block chain nodes and comprises the following steps: acquiring an authority list sent by a medical institution, and sending the authority list to the medical institution; acquiring a warranty application request initiated by a medical institution according to the warranty list, and initiating a warranty examination and approval request to a banking institution according to the warranty application request; determining a warranty list according to the response of the bank organization to the warranty examination and approval request; determining a corresponding payment medical institution and a payment amount corresponding to the payment medical institution according to the warranty list; and controlling the payment medical institution to pay to a bank institution according to the payment amount. The technical scheme provided by the invention can simplify the operation difficulty of users participating in the business process, simplify the processing process and improve the processing efficiency on the basis of providing multi-party trust.
Description
Technical Field
The invention relates to the technical field of intelligent contracts, in particular to a medical insurance policy repayment method.
Background
In the purchasing process of medicine, a method of maintaining the price to be paid is usually involved, and the price payment in the purchasing process of medicine needs to be coordinated in multiple parts, and complex operations need to be performed between every two parts according to corresponding appointments to ensure smooth operation of the business process.
Disclosure of Invention
The medical insurance policy repayment method provided by the invention can simplify the operation difficulty of users participating in the business process, simplify the processing process and improve the processing efficiency on the basis of providing multi-party trust.
The invention provides a medical insurance policy repayment method, which is applied to an intelligent contract executed by block chain nodes and comprises the following steps:
acquiring an authority list sent by a medical institution, and sending the authority list to the medical institution;
acquiring a warranty application request initiated by a medical institution according to the warranty list, and initiating a warranty examination and approval request to a banking institution according to the warranty application request;
determining a warranty list according to the response of the bank organization to the warranty examination and approval request;
determining a corresponding payment medical institution and a payment amount corresponding to the payment medical institution according to the warranty list;
and controlling the payment medical institution to pay to a bank institution according to the payment amount.
Optionally, controlling the payment medical institution to pay the bank institution according to the payment amount comprises:
acquiring a payment time range of the payment amount;
comparing the payment time range to a current time;
and when the current time range is within the payment time range, controlling the payment medical institution to pay to a banking institution.
Optionally, controlling the payment medical institution to pay the banking institution comprises:
initiating a payment request to a bank and initiating a transaction for recording the payment request to a blockchain, wherein the payment request is that a payment medical institution pays the payment amount to a bank institution;
and acquiring a payment result returned by the bank and initiating a transaction for recording the payment result to the blockchain.
Optionally, the controlling the payment medical institution to pay the bank institution further comprises:
obtaining the repayment result, and sending a repayment request to a banking institution when the repayment fails so as to enable the banking institution to control the payment medical institution to repay the money to the banking institution;
and acquiring an execution result of the repayment request again, and sending the execution result to a medical insurance institution.
Optionally, the obtaining an execution result of the repayment request and sending the execution result to the medical insurance institution includes:
when the execution result of the repayment is successful, sending a prompt of successful repayment to the medical insurance institution;
and when the execution result of the repayment is failure, sending an assistance request to the medical insurance institution.
Optionally, after sending the request for assistance to the medical insurance institution, the method further includes:
and acquiring a payment result updating request sent by the medical insurance institution, and initiating a transaction for updating the payment result to the block chain according to the request.
Optionally, controlling the payment medical institution to pay the bank institution according to the payment amount comprises:
and updating the repayment amount of the special insurance account according to the payment amount, wherein the repayment amount is used for limiting the amount of the special insurance account which is repayed to the bank, and the repayment amount is equal to the payment amount.
Optionally, controlling the payment medical institution to pay the bank institution according to the payment amount comprises:
controlling the payment medical institution to pay the special account for the warranty according to the payment amount;
and controlling the special insurance account to pay to a bank institution according to the repayment amount.
Optionally, controlling payment from the warranty-specific account to a banking institution comprises:
acquiring a result of the payment of the special warranty account to a banking institution;
and updating the repayment amount according to the payment result.
In the technical scheme provided by the invention, the request and payment relation among three parties of a medical institution, a medical institution and a bank institution is automatically executed through the intelligent contract stored and executed on the block chain, so that the non-tamper property of the intelligent contract is ensured, and a trust foundation is provided for the services of the three parties. In addition, in the technical scheme provided by the invention, the user can trigger the intelligent contract to judge and control the business process according to the predetermined logic only by simple operation, so that the operation of the user is simplified, and the working efficiency is improved.
Drawings
FIG. 1 is a flow chart of a medical insurance policy repayment method according to an embodiment of the invention;
FIG. 2 is a flow chart of time monitoring of a medical warranty repayment method according to an embodiment of the invention;
FIG. 3 is a flowchart illustrating a payment process of a medical insurance policy repayment method according to an embodiment of the present invention;
FIG. 4 is a flowchart of a medical insurance institution assistance request of a medical insurance policy repayment method according to an embodiment of the invention;
FIG. 5 is a flow chart of payment of a medical insurance policy payment method according to an embodiment of the present invention;
FIG. 6 is a flowchart illustrating a payment amount updating method for medical insurance policy payment according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, 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.
The embodiment of the invention provides a medical insurance policy repayment method, which is applied to an intelligent contract executed by block chain nodes, and as shown in figure 1, the method comprises the following steps:
in some embodiments, the authorization list refers to a list of medical items that the medical institution has determined to receive, and when the medical institution uploads the list, the medical institution indicates that the medical item described in the list has been received by the medical institution. The intelligent contract sends the received right confirmation list to the medical institution to inform the medical institution that the medical institution confirms the receipt of the medical articles in the list, and meanwhile, the medical institution can initiate subsequent warranty application according to the right confirmation list.
102, acquiring a warranty application request initiated by a medical institution according to the warranty list, and initiating a warranty examination and approval request to a banking institution according to the warranty application request;
in some embodiments, the medical institution may initiate the warranty application request directly according to the warranty list without manually processing the warranty list. After receiving the warranty application request, the intelligent contract is screened according to the predetermined conditions, so that the workload of a bank organization is reduced. After screening, a warranty approval request is sent to the bank according to the warranty application request meeting the conditions.
103, determining a warranty list according to the response of the bank organization to the warranty examination and approval request;
in some embodiments, when the bank institution passes the examination and approval of the warranty examination and approval request, the intelligent contract may control the bank account to automatically pay the corresponding warranty price to the medical institution according to the passed examination and approval result, and simultaneously generate a warranty list, where the warranty list is used for confirming the path, the amount, and the like in the subsequent repayment process. Of course, when the bank rejects the warranty approval request, the intelligent contract should send a prompt to the medical institution according to the result of the rejection, and at the same time, send the corresponding confirmation list to the medical institution again, so that the medical institution initiates the warranty application request again.
104, determining a corresponding payment medical institution and a payment amount corresponding to the payment medical institution according to the warranty list;
in some embodiments, the intelligent contract automatically monitors the payment period, determines the payment medical institution and the payment amount according to the warranty list when the payment time of the warranty list is reached, and controls the payment medical institution to pay the bank institution, wherein the payment amount is the payment amount.
And 105, controlling the payment medical institution to pay to a banking institution according to the payment amount.
In some embodiments, the intelligent contract controls payment from the medical institution to the banking institution, and typically includes two steps, the first step is to initiate a request to the bank based on the payment amount, and the request is to pay the payment amount from the medical institution to the bank. Because the banking institution will perform internal verification and proofreading on the transfer request, the payment result will not be returned in real time. To record the process of this step, after the request is initiated, the intelligent dating point initiates a transaction to the blockchain, recording the contents of the request. The second step is that after the bank returns the payment result, the intelligent contract initiates a transaction to the block chain and records the payment result.
In the technical scheme provided by the embodiment, the request and payment relation among the three parties of the medical institution, the medical institution and the bank institution is automatically executed through the intelligent contract stored and executed on the block chain, so that the non-tamper property of the intelligent contract is ensured, and a trust foundation is provided for the services of the three parties. In addition, in the technical scheme provided by this embodiment, the user only needs simple operation to trigger the intelligent contract to perform the judgment and control of the business process according to the predetermined logic, thereby simplifying the operation of the user and improving the working efficiency.
As an alternative embodiment, as shown in fig. 2, the controlling the payment medical institution to pay the bank institution according to the payment amount includes:
in some embodiments, the insurance service of the banking institution will generally set a payment deadline, the institution applying for insurance should make a payment within the deadline, and in this step, the payment time range of the payment amount is obtained, i.e. the payment deadline of the insurance service is determined.
in some implementations, the intelligent contract compares the current time with the payment time range in real time, and when the payment time is reached, the repayment process is started, and when the payment time is not reached, the warranty list does not need to be processed.
And step 203, controlling the payment medical institution to pay to a banking institution when the current time range is within the payment time range.
In some embodiments, when the payment time is reached, the payment medical institution automatically controls the payment of the payment to the banking institution by the intelligent contract, and neither the user is required to monitor the time nor to perform the payment operation.
In the embodiment, the time is monitored and the payment process is automatically controlled through the intelligent contract, manual operation is not needed, and the labor consumption of a user is greatly reduced.
As an alternative embodiment, as shown in fig. 3, the controlling of payment from the payment medical institution to the banking institution includes:
in some embodiments, after the intelligent contract initiates the payment request to the bank, the bank needs to check and verify the payment request, so that a payment result is not returned in real time.
In some embodiments, the bank returns payment results generally representing the transfer of financial assets, and the payment results are control nodes in the whole business process, so in this step, in order to ensure traceability and data reliability of the whole business process, the payment results are recorded on the block chain.
In the embodiment, the traceability of the whole business process and the trustworthiness of the data are ensured by performing block chain recording on the data of each step in the payment process.
As an alternative embodiment, as shown in fig. 4, after controlling the payment medical institution to pay the bank institution, the method further includes:
in some embodiments, in the business process before repayment, the repayment business is ensured to be accurate, but the payment result indicates that the repayment is failed, in order to enable the repayment business to be completed as soon as possible, a repayment request is sent to a bank, so that the bank organization has the right to temporarily control the account of the medical institution, and the bank organization controls the payment process. This in-process is preferred by intelligent contract control repayment payment process, when the repayment is failed, can also be by this repayment payment process of bank control to, make the repayment process can save user's manpower under normal condition, and can in time ensure the success of repayment with nimble control mode again when failing.
And 402, acquiring an execution result of the repayment request and sending the execution result to a medical insurance institution.
In some embodiments, since the purchase of the amount of the medicine is usually initiated by the medical insurance institution, in this step, in order to enable the medical insurance institution to obtain the corresponding information in time, the execution result of the repayment is sent to the medical insurance institution, so that the medical insurance institution can be timely notified of the corresponding information, and can be timely requested to perform intervention regulation after the medical insurance institution fails again.
The automatic control process and the control process of the bank are set for the payment process in the step, the characteristics of convenience, rapidness and flexible control can be considered, and meanwhile, the information can be synchronized with the medical insurance mechanism so as to request the intervention of the medical insurance mechanism in time.
In some embodiments, obtaining the execution result of the repayment request and sending the execution result to the medical insurance institution includes:
step 501, when the execution result of the repayment is successful, sending a prompt of successful repayment to a medical insurance institution;
in some embodiments, when the payment is successful, and actually the insurance business process has been completed, a payment success prompt is sent to the medical insurance institution, that is, the medical insurance institution is prompted to complete the business.
Step 502, when the execution result of the repayment is failure, an assistance request is sent to the medical insurance institution.
In some embodiments, when the payment fails, in order to complete the payment in time, a request is sent to the medical insurance institution to request the medical insurance institution to assist the payment service so as to complete the payment in time.
In the embodiment, an execution mode with operability is provided, which can synchronize information with the medical insurance institution in time when payment is successful, and request the medical insurance institution for assistance in time after payment is failed.
As an optional implementation manner, after sending the request for assistance to the medical insurance institution, the method further includes:
step 601, obtaining a payment result updating request sent by a medical insurance institution, and initiating a transaction for updating the payment result to the block chain according to the request.
In some embodiments, the medical insurance institution may perform payment coordination work in an offline coordination manner, and after the medical institution and the bank institution complete payment under coordination of the medical insurance institution, the result should be updated online, so in this step, the intelligent contract obtains the coordination result from the medical insurance institution and writes the result into the block chain for recording.
As an optional implementation manner, before controlling the payment medical institution to pay the bank institution according to the payment amount, the method includes:
step 701, updating the repayment amount of the special insurance account according to the payment amount, wherein the repayment amount is used for limiting the amount of the special insurance account repayed to the bank, and the repayment amount is equal to the payment amount.
In some embodiments, the warranty-specific account is a specific account typically used to transact warranty transactions, which may be under the name of a banking institution or under the name of a medical institution. When the bank mechanism carries out the warranty payment, the bank mechanism pays to the special account for the warranty, and the intelligent contract endows the special account for the warranty with the transfer authority of corresponding money amount to the medical mechanism, namely the money amount which can be transferred from the special account for the warranty by the medical mechanism is at most the approved money amount of the warranty service. In the repayment process, after the medical institution pays the special insurance account, the intelligent contract gives the transfer authority of the corresponding amount to the bank from the special insurance account, so that the bank can transfer the amount corresponding to the repayment amount from the special insurance account.
As an alternative embodiment, as shown in fig. 5, the controlling the payment medical institution to pay the bank institution according to the payment amount includes:
in some embodiments, since the payment amount is the amount of the payback of the warranty, and the bank has the control authority over the corresponding amount of the warranty-specific account, the payment to the warranty-specific account in this step is equivalent to the payment to the bank.
In some embodiments, the intelligent contract is used for controlling the special insurance account to pay the bank, and the repayment operation of the corresponding insurance policy list is completed. Certainly, when the payment fails, the bank has a certain amount of transfer authority of the special account for the insurance policy, and the authority can be transferred to the bank, so that the payment of the corresponding insurance policy list can be flexibly completed.
As an alternative embodiment, as shown in fig. 6, after controlling payment of the insurance policy-specific account to the banking institution, the method includes:
in some embodiments, the obtaining of the result in this step is the obtaining of the result performed on the warranty payment service, since the result of the payment to the banking institution by the warranty specific account represents the final service end node of the warranty payment.
In some embodiments, updating the repayment amount refers to subtracting the amount of payment from the amount of transfer given to the banking institution by the special account for insurance, and taking the difference as a new repayment amount. The updated payment amount should be written into the block chain for recording.
It will be understood by those skilled in the art that all or part of the processes of the embodiments of the methods described above may be implemented by a computer program, which may be stored in a computer-readable storage medium, and when executed, may include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.
The above description is only for the specific embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (9)
1. A medical insurance policy repayment method is applied to an intelligent contract executed by a block chain node and comprises the following steps:
acquiring an authority list sent by a medical institution, and sending the authority list to the medical institution;
acquiring a warranty application request initiated by a medical institution according to the warranty list, and initiating a warranty examination and approval request to a banking institution according to the warranty application request;
determining a warranty list according to the response of the bank organization to the warranty examination and approval request;
determining a corresponding payment medical institution and a payment amount corresponding to the payment medical institution according to the warranty list;
and controlling the payment medical institution to pay to a bank institution according to the payment amount.
2. The medical insurance policy repayment method according to claim 1, wherein controlling the payment medical institution to repay to the banking institution according to the payment amount comprises:
acquiring a payment time range of the payment amount;
comparing the payment time range to a current time;
and when the current time range is within the payment time range, controlling the payment medical institution to pay to a banking institution.
3. The medical warranty repayment method of claim 1 wherein controlling the paying medical institution to repay to the banking institution comprises:
initiating a payment request to a bank and initiating a transaction for recording the payment request to a blockchain, wherein the payment request is that a payment medical institution pays the payment amount to a bank institution;
and acquiring a payment result returned by the bank and initiating a transaction for recording the payment result to the blockchain.
4. The medical insurance policy payment method of claim 1, wherein after controlling the payment from the paying medical institution to the banking institution, further comprising:
obtaining the repayment result, and sending a repayment request to a banking institution when the repayment fails so as to enable the banking institution to control the payment medical institution to repay the money to the banking institution;
and acquiring an execution result of the repayment request again, and sending the execution result to a medical insurance institution.
5. The medical insurance policy repayment method according to claim 4, wherein the obtaining of the execution result of the repayment request and the sending to the medical insurance institution comprises:
when the execution result of the repayment is successful, sending a prompt of successful repayment to the medical insurance institution;
and when the execution result of the repayment is failure, sending an assistance request to the medical insurance institution.
6. The medical insurance policy repayment method according to claim 5, further comprising, after sending the request for assistance to the medical insurance institution:
and acquiring a payment result updating request sent by the medical insurance institution, and initiating a transaction for updating the payment result to the block chain according to the request.
7. The medical insurance policy repayment method according to claim 1, wherein controlling the payment medical institution to repay to the banking institution according to the payment amount comprises:
and updating the repayment amount of the special insurance account according to the payment amount, wherein the repayment amount is used for limiting the amount of the special insurance account which is repayed to the bank, and the repayment amount is equal to the payment amount.
8. The medical insurance policy repayment method according to claim 7, wherein controlling the payment medical institution to repay to the banking institution according to the payment amount comprises:
controlling the payment medical institution to pay the special account for the warranty according to the payment amount;
and controlling the special insurance account to pay to a bank institution according to the repayment amount.
9. The medical warranty repayment method of claim 8 wherein controlling payment from the warranty-specific account to a banking institution comprises:
acquiring a result of the payment of the special warranty account to a banking institution;
and updating the repayment amount according to the payment result.
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CN113241141A (en) * | 2020-12-15 | 2021-08-10 | 京东数字科技控股股份有限公司 | Medicine service information interaction system |
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CN109886676A (en) * | 2018-12-25 | 2019-06-14 | 上海点融信息科技有限责任公司 | Method of payment, calculating equipment, storage medium for block chain network |
CN110378682A (en) * | 2019-07-02 | 2019-10-25 | 银清科技(北京)有限公司 | The cross-border method of payment of RMB and device based on block chain framework |
CN110852561A (en) * | 2019-09-26 | 2020-02-28 | 福建亿能达信息技术股份有限公司 | One-stop regional medical consumable recruitment, acquisition and supply management system based on Internet |
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