CN116091252A

CN116091252A - Medical fee payment method and device

Info

Publication number: CN116091252A
Application number: CN202310122290.6A
Authority: CN
Inventors: 胡腾飞
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2023-02-15
Filing date: 2023-02-15
Publication date: 2023-05-09

Abstract

The embodiment of the specification provides a medical fee payment method and a device, wherein the medical fee payment method comprises the following steps: collecting a medical insurance certificate of a user displayed by a user terminal, and submitting the medical insurance certificate to a medical insurance platform to inquire user identity information corresponding to the medical insurance certificate; if the user signs a payment agreement, submitting a medical expense settlement sheet to the medical insurance platform, and receiving a first amount and a second amount obtained by pre-settlement processing of the medical expense settlement sheet; invoking the medical insurance platform according to the first amount to carry out settlement processing to obtain a settlement result; and deducting money from the payment account of the user according to the second amount according to the protocol identification of the payment protocol.

Description

Medical fee payment method and device

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a medical fee payment method and apparatus.

Background

With the development of medical science and technology, the improvement of the civil economy level and the enhancement of the safety and health consciousness of participants, the medical cost is continuously increased, and the situation of paying the medical cost by using medical insurance is also increasing. However, in the process of paying the medical fee, the medical institution (such as a hospital or a pharmacy) sends the user information and the consumption information to the medical insurance management system in a mode of swiping the medical insurance card, the medical insurance management system determines the amount of the reimbursement of the medical insurance according to the acquired information and informs the medical institution, and the medical institution subtracts the amount of the reimbursement of the medical insurance from the total amount, namely the amount required to be paid by the user during the settlement of the medical fee, so that the user needs to swiping the medical insurance code to pay the medical insurance, and then swiping the payment code to pay the self-fee, thereby influencing the user experience.

Disclosure of Invention

One or more embodiments of the present specification provide a medical fee payment method including: collecting a medical insurance certificate of a user displayed by a user terminal, and submitting the medical insurance certificate to a medical insurance platform to inquire user identity information corresponding to the medical insurance certificate. If the user signs a payment agreement, submitting a medical expense settlement list to the medical insurance platform, and receiving a first amount and a second amount obtained by pre-settlement processing of the medical expense settlement list. And calling the medical insurance platform according to the first amount to carry out settlement processing, and obtaining a settlement result. And deducting money from the payment account of the user according to the second amount according to the protocol identification of the payment protocol.

One or more embodiments of the present specification provide another medical fee payment method, including: and sending an access request of the medical insurance certificate to the medical insurance platform according to the access instruction of the user. And receiving and displaying the medical insurance certificate returned by the medical insurance platform. And obtaining and displaying the payment result of the medical expense settlement list of the user. The payment result comprises a settlement result obtained by calling the medical insurance platform for settlement according to the first amount and a deduction result obtained by deducting money from the payment account of the user according to the second amount. The first amount and the second amount are obtained by pre-settlement processing of a medical expense settlement sheet of the user.

One or more embodiments of the present specification provide a medical fee payment apparatus including: the certificate collection module is configured to collect the medical insurance certificate of the user displayed by the user terminal and submit the medical insurance certificate to the medical insurance platform so as to inquire the user identity information corresponding to the medical insurance certificate. If the user signs a payment protocol, a statement submitting module is operated; the statement submitting module is configured to submit a medical expense statement to the medical insurance platform and receive a first amount and a second amount obtained by pre-settlement processing of the medical expense statement. And the settlement processing module is configured to call the medical insurance platform according to the first amount to perform settlement processing so as to obtain a settlement result. And the deduction module is configured to deduct money from the payment account of the user according to the second amount according to the protocol identification of the payment protocol.

One or more embodiments of the present specification provide another medical fee payment apparatus including: and the access request sending module is configured to send an access request of the medical insurance certificate to the medical insurance platform according to the access instruction of the user. And the medical insurance certificate receiving module is configured to receive and display the medical insurance certificate returned by the medical insurance platform. And the payment result acquisition module is configured to acquire and display the payment result of the medical expense settlement list of the user. The payment result comprises a settlement result obtained by calling the medical insurance platform for settlement according to the first amount and a deduction result obtained by deducting money from the payment account of the user according to the second amount. The first amount and the second amount are obtained by pre-settlement processing of a medical expense settlement sheet of the user.

One or more embodiments of the present specification provide a medical fee payment apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: collecting a medical insurance certificate of a user displayed by a user terminal, and submitting the medical insurance certificate to a medical insurance platform to inquire user identity information corresponding to the medical insurance certificate. If the user signs a payment agreement, submitting a medical expense settlement list to the medical insurance platform, and receiving a first amount and a second amount obtained by pre-settlement processing of the medical expense settlement list. And calling the medical insurance platform according to the first amount to carry out settlement processing, and obtaining a settlement result. And deducting money from the payment account of the user according to the second amount according to the protocol identification of the payment protocol.

One or more embodiments of the present specification provide another medical fee payment apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and sending an access request of the medical insurance certificate to the medical insurance platform according to the access instruction of the user. And receiving and displaying the medical insurance certificate returned by the medical insurance platform. And obtaining and displaying the payment result of the medical expense settlement list of the user. The payment result comprises a settlement result obtained by calling the medical insurance platform for settlement according to the first amount and a deduction result obtained by deducting money from the payment account of the user according to the second amount. The first amount and the second amount are obtained by pre-settlement processing of a medical expense settlement sheet of the user.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: collecting a medical insurance certificate of a user displayed by a user terminal, and submitting the medical insurance certificate to a medical insurance platform to inquire user identity information corresponding to the medical insurance certificate. If the user signs a payment agreement, submitting a medical expense settlement list to the medical insurance platform, and receiving a first amount and a second amount obtained by pre-settlement processing of the medical expense settlement list. And calling the medical insurance platform according to the first amount to carry out settlement processing, and obtaining a settlement result. And deducting money from the payment account of the user according to the second amount according to the protocol identification of the payment protocol.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and sending an access request of the medical insurance certificate to the medical insurance platform according to the access instruction of the user. And receiving and displaying the medical insurance certificate returned by the medical insurance platform. And obtaining and displaying the payment result of the medical expense settlement list of the user. The payment result comprises a settlement result obtained by calling the medical insurance platform for settlement according to the first amount and a deduction result obtained by deducting money from the payment account of the user according to the second amount. The first amount and the second amount are obtained by pre-settlement processing of a medical expense settlement sheet of the user.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are needed in the description of the embodiments or of the prior art will be briefly described below, it being obvious that the drawings in the description that follow are only some of the embodiments described in the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art;

FIG. 1 is a process flow diagram of a medical fee payment method according to one or more embodiments of the present disclosure;

FIG. 2 is a process timing diagram of a medical fee payment method for use in a hospital payment scenario according to one or more embodiments of the present disclosure;

FIG. 3 is a flow diagram of another medical fee payment method provided by one or more embodiments of the present disclosure;

FIG. 4 is a schematic diagram of a medical fee payment apparatus according to one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of another medical fee payment apparatus provided in one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of a medical fee payment apparatus according to one or more embodiments of the present disclosure;

Fig. 7 is a schematic structural diagram of another medical fee payment apparatus according to one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

The embodiment of the medical fee payment method provided in the specification is as follows:

according to the medical expense payment method, the medical insurance certificate of the user displayed by the user terminal is collected, the medical insurance certificate is submitted to the medical insurance platform to inquire user identity information corresponding to the medical insurance certificate, after the user identity information is obtained, whether the user signs a payment protocol is judged according to the identity information, if the user signs the payment protocol, a medical expense settlement sheet is submitted to the medical insurance platform, the medical insurance platform carries out pre-settlement processing on the medical expense settlement sheet to obtain a first amount and a second amount, after the first amount and the second amount obtained by carrying out pre-settlement processing on the medical expense settlement sheet are received, the medical insurance platform is called for settlement processing according to the first amount to obtain a settlement result, and then payment is carried out on a payment account of the user according to a protocol identifier of the payment protocol, so that payment of the first amount and the second amount is simultaneously completed by using the medical insurance certificate is achieved, payment of the two portions of the amount can be completed by only one-time of the medical expense in the medical institution by a spreading code, and payment experience of the user on the medical expense is shortened.

Step S102, acquiring a medical insurance certificate of a user displayed by a user terminal, and submitting the medical insurance certificate to a medical insurance platform to inquire user identity information corresponding to the medical insurance certificate.

The medical insurance certificate in this embodiment refers to an electronic certificate of a medical insurance payer for performing medical insurance payment and participating in medical insurance service, and the electronic certificate can be in one-to-one correspondence with an entity medical insurance card of the medical insurance payer, and the medical insurance payer can be activated and used through channels such as a third party application or a medical insurance service platform to enjoy various online medical insurance services, including medical insurance transaction, medical insurance account inquiry, medical insurance consultation, medicine purchasing payment and the like; the medical insurance certificate comprises a bar code and/or a two-dimensional code of the electronic medical insurance certificate. The medical insurance platform specifically may refer to a service corresponding to the medical insurance platform; the healthcare platform maintains a user's healthcare account and may provide healthcare settlement capabilities as well as authentication capabilities. The user identity information refers to a certificate code which can indicate the user identity, and can also be a mobile phone number, a user identifier and the like.

In practical application, when a user pays medical fees in an offline medical scene such as a hospital or a pharmacy, a medical fee statement usually needs to be paid in two ways, firstly, a medical insurance certificate is used for paying the medical insurance amount, then a personal payment account of the user is used for paying the self-fee amount, and the payment of the medical insurance amount and the self-fee amount cannot be completed at the same time.

In a specific payment process, firstly, acquiring a medical insurance certificate of a user displayed by a user terminal, submitting the medical insurance certificate to a medical insurance platform, analyzing the medical insurance certificate through the medical insurance platform, obtaining user identity information corresponding to the medical insurance certificate, and returning the user identity information to a medical institution system, wherein in an optional implementation manner provided by the embodiment, the user identity information corresponding to the medical insurance certificate is queried in the following manner:

analyzing the medical insurance certificate to obtain user encryption information corresponding to the medical insurance certificate;

and inquiring corresponding user identity information in a database according to the user encryption information.

After receiving the user identity information, the medical institution system can determine whether the user signs a payment agreement by inquiring an agreement identifier bound with the user identity information, if the user signs the payment agreement, the step S104 is executed, a medical fee settlement sheet is submitted to the medical insurance platform, and a first amount and a second amount obtained by pre-settlement processing the medical fee settlement sheet are received; if the user does not sign the payment protocol, the user is guided to sign the payment protocol in order to ensure that the payment request of the user can be processed and the payment process can be ensured.

Further, in order to ensure that the user can use the medical insurance certificate to complete payment of medical fee, that is, complete payment of medical insurance amount and self-fee amount through one time of display code, in an optional implementation manner provided in this embodiment, if the user does not sign a payment protocol, a protocol signing two-dimensional code is generated and sent to a medical institution terminal for display, so as to sign the payment protocol.

Optionally, the payment protocol signs, including: skipping to a payment protocol signing page of a third party payment platform according to the scanning operation of the user on the protocol signing two-dimensional code; and acquiring a signing instruction submitted by the user through the payment agreement signing page, signing a payment agreement based on the signing instruction, and generating an agreement identifier after signing is successful.

Specifically, a user uses a user terminal to scan a contract signing two-dimensional code to enter a payment contract signing page of a third party payment platform, signs a payment contract after acquiring a signing instruction submitted by the user through the payment contract signing page, and sends a generated contract identifier after successful signing to a medical institution system.

In addition, after the user successfully signs the payment protocol, the user finishes the payment of the self-payment part by means of the protocol identification in the process of paying the medical fee by using the medical insurance certificate by recording the binding relation between the protocol identification and the user identity information, and in an optional implementation provided by the embodiment, the protocol identification sent by the user terminal is received and the binding relation between the protocol identification and the user identity information is recorded.

In the implementation, whether the user signs the payment protocol or not can be judged by inquiring whether the binding relationship exists or not, so as to carry out the subsequent step of paying the second amount according to the payment protocol; if so, determining that the user has signed a payment protocol; if not, determining that the user does not sign a payment protocol.

Specifically, after obtaining the user identity information corresponding to the medical insurance certificate of the user through the medical insurance platform, if the user identity information is queried to be bound with the payment protocol, the binding relationship exists, that is, the user has signed the payment protocol, then step S104 may be executed; if the binding of the user identity information and the payment protocol is not queried, the binding relationship does not exist, namely the user does not sign the payment protocol, and the user is guided to sign by generating a protocol sign two-dimensional code and sending the protocol sign two-dimensional code to a medical institution terminal for displaying, so that the payment of medical fee is completed.

Step S104, if the user signs a payment agreement, submitting a medical expense settlement sheet to the medical insurance platform, and receiving a first amount and a second amount obtained by pre-settlement processing of the medical expense settlement sheet.

The medical fee statement of the embodiment refers to a statement of settlement of medical fee generated in a medical fee payment scene, such as medicines, examination items, etc. The first amount refers to a payable amount of the medical insurance, and the payable amount can be paid through a medical insurance account of the user. The second amount refers to the amount of the self-payment required by the user, and correspondingly, the pre-settlement processing refers to the splitting of the total amount of the bill into the payable amount of the medical insurance and the amount of the self-payment required by the user by the medical insurance platform according to the participation condition of the user and the reimbursement rule of the medical fee bill.

In a specific implementation, in order to improve the payment success rate of the first amount and the second amount in the process of pre-settlement processing of the medical expense bill, the payment flow is further simplified, and in an alternative implementation provided in this embodiment, the pre-settlement processing of the medical expense bill is performed in the following manner:

extracting a settlement item meeting medical insurance settlement conditions from the medical expense settlement bill, and taking the settlement amount of the settlement item as the first amount;

and calculating the settlement amount of the rest settlement items in the medical expense settlement list as the second amount.

Specifically, after the medical institution system receives the medical expense settlement list of the user, the medical expense settlement list is submitted to the medical insurance platform, and the medical insurance platform calculates the corresponding settlement amount as a first amount and calculates the settlement amount of the rest settlement items in the medical expense settlement list as a second amount by extracting settlement items meeting medical insurance settlement conditions in the medical expense settlement list. For example, user a purchases a, b, c, d, e five medicines at a pharmacy, the pharmacy sends a medical fee statement of the five medicines to a medical insurance platform, the medical insurance platform determines medicines in which a, b and c are medicines that medical insurance can reimburse according to the acquired information, d and e are medicines that require self-fee payment, and calculates the medical insurance amount to be paid and the self-fee amount respectively.

In addition, after the medical institution system receives the first amount and the second amount obtained by preprocessing the medical fee settlement sheet by the medical insurance platform, the medical institution terminal can display the total amount, the first amount and the second amount of the medical fee settlement sheet, and the user or the medical institution cashier confirms the first amount and the second amount and pays the medical fee settlement sheet.

And step S106, calling the medical insurance platform according to the first amount to carry out settlement processing, and obtaining a settlement result.

As described above, in the medical fee payment process, if the user signs a payment agreement, the user can pay the first amount and the second amount obtained by pre-settlement processing on the medical fee statement according to the medical insurance certificate, and in the specific medical fee payment process, the user invokes the medical insurance certificate to perform settlement processing according to the first amount, and in this step, settlement of the first amount is realized by deducting payment from the medical insurance account of the user.

When the medical insurance platform receives the medical expense settlement list and performs preprocessing to obtain a first amount and a second amount, firstly, invoking the medical insurance platform according to the first amount to perform settlement processing, and in an optional implementation manner provided by the embodiment, invoking the medical insurance platform according to the first amount to perform settlement processing includes:

and sending a settlement request carrying the first amount to the medical insurance platform so that the medical insurance platform performs deduction settlement on the medical insurance account of the user according to the first amount and the medical insurance information of the user.

For example, the user a purchases a, b, c, d, e five medicines at a pharmacy, the pharmacy sends a medical expense statement of the five medicines to a medical insurance platform, the medical insurance platform determines medicines of which a, b and c are medicines which can be reimbursed by medical insurance according to the acquired information, d and e are medicines which need to be paid for self-fees, the medical insurance amount to be paid and the self-fees are calculated respectively, the medical institution system sends the medical insurance amount to be paid to the medical insurance platform after receiving the medical insurance amount to be paid, and deducts the medicines a, b and c from the medical insurance account of the user a according to the medical insurance information of the user.

And S108, deducting money from the payment account of the user according to the second amount according to the protocol identification of the payment protocol.

In the payment scenario, the payee informs the third party payment platform to initiate payment without confirmation of the user, and directly completes payment.

In a specific implementation, after invoking the medical insurance platform according to the first amount to perform settlement processing, in this step, deducting money from the payment account of the user according to the second amount according to the protocol identifier obtained after the user signs the payment protocol, and in an alternative implementation provided in this embodiment, deducting money from the payment account of the user according to the second amount according to the protocol identifier of the payment protocol includes:

Inquiring a corresponding agreement identifier according to the user identity information, and sending the agreement identifier and the second amount to the third party payment platform so that the third party payment platform pays and deducts the payment on the payment account of the user according to the agreement identifier and the second amount.

Specifically, in the process of deducting the payment according to the second amount in the payment account of the user, because the user has signed a payment protocol with a third party payment platform in which the payment account is located, the payment protocol and the second amount can be sent to the third party payment platform, and the third party payment platform performs payment deduction according to the protocol identification and the second amount in the payment account of the user. For example, the user a purchases a, b, c, d, e five medicines at a pharmacy, the pharmacy sends a medical fee statement of the five medicines to a medical insurance platform, the medical insurance platform determines medicines in which a, b and c are medicines that can be reimbursed by medical insurance according to the acquired information, d and e are medicines that need to be paid for self-fees, the medical insurance amount to be paid and the self-fees amount to be paid are calculated respectively, the medical institution system sends the self-fees amount to be paid and the agreement identification to a third party payment platform after receiving the self-fees amount to be paid, and the third party payment platform deducts the medicines d and e from a payment account of the user a according to the agreement identification of the user.

In summary, in the medical fee payment method provided by the embodiment, the medical insurance certificate of the user displayed by the user terminal is collected, the medical insurance is submitted to the medical insurance platform to inquire the user identity information corresponding to the medical insurance certificate, after the user identity information is obtained, whether the user signs a payment protocol or not is judged to carry out medical fee payment, if the user signs the payment protocol, the medical fee payment bill is submitted to the medical insurance platform, the medical fee payment bill is subjected to pre-settlement processing through the medical insurance platform to obtain the first amount and the second amount, the medical insurance platform is called to carry out settlement according to the first amount, payment is carried out on the payment account of the user according to the second amount according to the protocol identification of the payment protocol, secondary exhibition codes of the user are not needed, and the waiting time of the user in a medical fee payment scene is reduced by utilizing the medical insurance certificate to simultaneously finish the payment of the first amount and the second amount in one-time exhibition codes, so that the payment process is convenient and quick.

In addition, if the user does not sign the payment agreement, generating an agreement signing two-dimensional code and sending the agreement signing two-dimensional code to a medical institution terminal for displaying, enabling the user to enter a third party payment platform for payment agreement signing by using the user terminal to scan the agreement signing two-dimensional code displayed by the medical institution terminal, obtaining an agreement identification after the agreement signing is completed, receiving the agreement identification sent by the user terminal, recording the binding relation between the agreement identification and user identity information, judging whether the user signs the payment agreement or not by inquiring the binding relation when the user pays medical fees, and determining that the user signs the payment agreement if the binding relation exists; if the binding relation does not exist, determining that the user does not sign a payment protocol, and accordingly completing payment of the second amount according to the protocol identification, and improving the payment success rate of the payment user and further improving the payment experience of the payment user.

The implementation process of the medical fee payment method provided by the above-mentioned embodiment of the present invention may be executed by a medical institution system, and the implementation process of the other medical fee payment method provided by the below-mentioned embodiment of the present invention may be executed by a user terminal, and the two may cooperate with each other in the execution process, so that the implementation process may refer to the corresponding content of the below-mentioned embodiment of the present invention, and correspondingly, the implementation process may refer to the corresponding content of the above-mentioned embodiment of the present invention.

The following further describes the medical fee payment method provided in this embodiment with reference to fig. 2 by taking an application of the medical fee payment method provided in this embodiment to a hospital payment scenario as an example, and referring to fig. 2, the medical fee payment method applied to the hospital payment scenario specifically includes the following steps.

Step S206, collecting the electronic medical insurance certificate of the user displayed by the user terminal.

Step S208, submitting the electronic medical insurance certificate to the medical insurance platform.

After that, the medical insurance platform inquires the certificate code corresponding to the electronic medical insurance certificate and returns to the medical institution system.

Step S210, inquiring whether the binding relation of the certificate codes exists or not.

If yes, go to step S212 to step S218;

If the two-dimension code does not exist, a two-dimension code for agreement signing is generated and sent to a medical institution terminal for displaying so as to sign the payment agreement.

Step S212, submitting a medical expense settlement sheet to the medical insurance platform.

After that, the medical insurance platform performs pre-settlement on the medical expense settlement sheet, and returns a pre-settlement result to the medical institution system.

Step S214, receiving medical insurance amount and self-payment amount obtained by pre-settlement processing of medical expense settlement bill.

And step S216, calling a medical insurance platform according to the medical insurance amount to carry out settlement processing.

After this, the settlement results of the medical insurance platform are obtained.

And step S218, deducting money from a payment account of the third party payment platform according to the self-fee amount according to the protocol identification of the payment protocol.

After this, the third party paymate returns the payment result to the medical facility system.

The steps S206 to S218 provided in the present embodiment are executed by the medical institution system, and it should be noted that the medical institution system executes the processing procedures of the steps S206 to S218 and the processing procedures of the steps S202, S204 and S220 executed by the user terminal in the following embodiments may be matched in the execution process, so that the corresponding contents of the steps S202, S204 and S220 provided in the following method embodiments are read.

Another embodiment of a medical fee payment method provided in the present specification:

according to the medical expense payment method provided by the embodiment, an access request of a medical insurance certificate is sent to a medical insurance platform according to an access instruction of a user, the medical insurance certificate returned by the medical insurance platform is received and displayed, and a payment result of a medical expense settlement sheet of the user is obtained and displayed; the payment result comprises a settlement result obtained by calling the medical insurance platform for settlement according to a first amount and a deduction result obtained by deducting money from a payment account of the user according to a second amount; the first amount and the second amount are obtained through pre-settlement processing of the medical expense settlement list of the user, so that payment of the first amount and the second amount is completed simultaneously through the medical insurance certificate, the interruption of the payment flow of the user is avoided, and the user experience is further improved.

Referring to fig. 3, the medical fee payment method provided in the present embodiment specifically includes steps S302 to S306.

Step S302, sending an access request of the medical insurance certificate to the medical insurance platform according to the access instruction of the user.

The medical insurance certificate in this embodiment refers to a unique electronic identity certificate of a medical insurance payer, which corresponds to an entity medical insurance card of the medical insurance payer one by one, and the medical insurance payer can be activated and used through channels such as a third party application or a medical insurance service platform to enjoy various online medical insurance services, including medical insurance transaction, medical insurance account inquiry, medical insurance visit, medicine purchase payment and the like; the medical insurance certificate comprises a bar code and/or a two-dimensional code of the electronic medical insurance certificate. The medical insurance platform specifically may refer to a server corresponding to the medical insurance platform. The healthcare platform maintains a user's healthcare account and may provide healthcare settlement capabilities as well as authentication capabilities. The user identity information refers to information which can indicate the identity of the user, such as a mobile phone number, a user identifier, a certificate code and the like.

In practical application, when a user enters a medical institution, the medical institution guides the user to show a medical insurance code for verification, and at the moment, an access request of a medical insurance certificate is sent to a medical insurance platform according to an access instruction of the user so as to obtain the medical insurance certificate of the user.

Step S304, receiving and displaying the medical insurance certificate returned by the medical insurance platform.

After the access request of the medical insurance certificate is sent to the medical insurance platform according to the access instruction of the user, in the step, the medical insurance certificate returned by the medical insurance platform is received and displayed.

Step S306, the payment result of the medical expense settlement list of the user is obtained and displayed.

The medical fee statement of this embodiment includes a fee-charging item, such as a medicine, an inspection item, etc., generated by the user in the medical fee payment scene. The first amount is the medical insurance payable amount, the second amount is the amount of the user needing to pay the self-fee, and the pre-settlement processing is to split the total amount of the settlement bill into the medical insurance payable amount and the amount of the user needing to pay the self-fee according to the participation condition of the user and the reimbursement rule of the medical fee settlement bill by the medical insurance platform.

Optionally, the payment result comprises a settlement result obtained by calling the medical insurance platform to perform settlement processing according to a first amount, and a deduction result obtained by deducting money from the payment account of the user according to a second amount; the first amount and the second amount are obtained by pre-settlement processing of a medical expense settlement sheet of the user.

In a specific implementation process, if the user does not sign the payment protocol, in order to ensure that the payment request of the user can be processed, so as to ensure that the payment process can be carried out, the user is guided to sign the payment protocol. Specifically, in order to ensure that the user can use the medical insurance certificate to complete payment of medical expense, that is, complete payment of medical insurance amount and self-expense amount through one-time display code, in an optional implementation manner provided by the embodiment, according to the scanning operation of the user on the agreement signing two-dimensional code, skipping to a payment agreement signing page of a third party payment platform, acquiring a signing instruction submitted by the user through the payment agreement signing page, signing a payment agreement based on the signing instruction, and sending an agreement identifier generated after successful signing to a medical institution system.

Specifically, the medical institution system generates the agreement signing two-dimensional code and sends the agreement signing two-dimensional code to the medical institution terminal for signing, so that the user can jump to the payment agreement signing page of the third party payment platform through the user terminal scanning the agreement signing two-dimensional code to complete medical fee payment.

In a specific implementation, in an optional implementation manner provided in this embodiment, the invoking the medical insurance platform according to the first amount to perform settlement processing includes:

In a specific implementation, after invoking the medical insurance platform according to the first amount to perform settlement processing, deducting money from the payment account of the user according to the second amount according to the protocol identifier obtained after signing the payment protocol by the user, where in an optional implementation provided in this embodiment, deducting money from the payment account of the user according to the second amount includes:

inquiring a corresponding agreement identifier according to the user identity information of the user, and sending the agreement identifier and the second amount to a third party payment platform so that the third party payment platform pays and deducts the payment on a payment account of the user according to the agreement identifier and the second amount.

Step S202, sending an access request of the medical insurance certificate to the medical insurance platform according to the access instruction of the user.

After that, the medical insurance platform inquires the medical insurance credential of the user and returns to the user terminal.

Step S204, receiving and displaying the medical insurance certificate returned by the medical insurance platform.

Step S220, the payment result of the medical expense settlement list of the user is obtained and displayed.

An embodiment of a medical fee payment apparatus provided in the present specification is as follows:

in the above-described embodiments, a medical fee payment method is provided, and a medical fee payment apparatus is provided corresponding thereto, as described below with reference to the accompanying drawings.

Referring to fig. 4, a schematic diagram of a medical fee payment apparatus according to the present embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a medical fee payment apparatus including:

the credential acquisition module 402 is configured to acquire a medical insurance credential of a user displayed by a user terminal, and submit the medical insurance credential to a medical insurance platform to inquire user identity information corresponding to the medical insurance credential;

if the user signs a payment agreement, running a statement submitting module 404; the statement submitting module 404 is configured to submit a medical fee statement to the medical insurance platform and receive a first amount and a second amount obtained by pre-settlement processing of the medical fee statement;

the settlement processing module 406 is configured to call the medical insurance platform according to the first amount to perform settlement processing, so as to obtain a settlement result;

and a deduction module 408 configured to deduct money from the payment account of the user according to the second amount according to the protocol identification of the payment protocol.

Another embodiment of the medical fee payment apparatus provided in the present specification is as follows:

in the above-described embodiments, another medical fee payment method is provided, and in correspondence thereto, another medical fee payment apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of a medical fee payment apparatus according to the present embodiment is shown.

The present embodiment provides a medical fee payment apparatus including:

an access request sending module 502 configured to send an access request of the medical insurance credential to the medical insurance platform according to an access instruction of the user;

a medical insurance credential receiving module 504 configured to receive and display the medical insurance credential returned by the medical insurance platform;

a payment result obtaining module 506 configured to obtain and display a payment result of the medical fee statement of the user; the payment result comprises a settlement result obtained by calling the medical insurance platform for settlement according to a first amount and a deduction result obtained by deducting money from a payment account of the user according to a second amount;

the first amount and the second amount are obtained by pre-settlement processing of a medical expense settlement sheet of the user.

in correspondence to a medical fee payment method described above, one or more embodiments of the present disclosure further provide a medical fee payment apparatus for performing the medical fee payment method provided above, based on the same technical concept, and fig. 6 is a schematic structural diagram of a medical fee payment apparatus provided in one or more embodiments of the present disclosure.

The medical fee payment apparatus provided in this embodiment includes:

as shown in fig. 6, the medical fee payment apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, and one or more storage applications or data may be stored in the memory 602. Wherein the memory 1002 may be transient storage or persistent storage. The application program stored in the memory 602 may include one or more modules (not shown), each of which may include a series of computer executable instructions in the medical fee payment device. Still further, the processor 601 may be configured to communicate with the memory 602 and execute a series of computer executable instructions in the memory 602 on the medical fee payment device. The medical fee payment device may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input/output interfaces 605, one or more keyboards 606, and the like.

In one particular embodiment, a medical fee payment device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the medical fee payment device, and the execution of the one or more programs by one or more processors comprises computer-executable instructions for:

collecting a medical insurance certificate of a user displayed by a user terminal, and submitting the medical insurance certificate to a medical insurance platform to inquire user identity information corresponding to the medical insurance certificate;

if the user signs a payment agreement, submitting a medical expense settlement sheet to the medical insurance platform, and receiving a first amount and a second amount obtained by pre-settlement processing of the medical expense settlement sheet;

invoking the medical insurance platform according to the first amount to carry out settlement processing to obtain a settlement result;

and deducting money from the payment account of the user according to the second amount according to the protocol identification of the payment protocol.

in correspondence to the above-described another medical fee payment method, one or more embodiments of the present specification also provide another medical fee payment apparatus for performing the above-provided another medical fee payment method, based on the same technical concept, and fig. 7 is a schematic structural diagram of the another medical fee payment apparatus provided by the one or more embodiments of the present specification.

The medical fee payment apparatus provided in this embodiment includes:

as shown in fig. 7, the medical fee payment apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 701 and a memory 702, and one or more storage applications or data may be stored in the memory 702. Wherein the memory 702 may be transient storage or persistent storage. The application program stored in the memory 702 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the medical fee payment device. Still further, the processor 701 may be configured to communicate with the memory 702 and execute a series of computer executable instructions in the memory 702 on the medical fee payment device. The medical fee payment device may also include one or more power sources 703, one or more wired or wireless network interfaces 704, one or more input/output interfaces 705, one or more keyboards 706, and the like.

sending an access request of the medical insurance certificate to the medical insurance platform according to an access instruction of a user;

receiving and displaying the medical insurance certificate returned by the medical insurance platform;

acquiring and displaying a payment result of the medical expense settlement list of the user; the payment result comprises a settlement result obtained by calling the medical insurance platform for settlement according to a first amount and a deduction result obtained by deducting money from a payment account of the user according to a second amount;

An embodiment of a storage medium provided in the present specification is as follows:

in accordance with a medical fee payment method described above, one or more embodiments of the present specification further provide a storage medium based on the same technical idea.

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

It should be noted that, in the present specification, an embodiment of a storage medium and an embodiment of a medical fee payment method in the present specification are based on the same inventive concept, so that a specific implementation of the embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

Another storage medium embodiment provided in this specification is as follows:

in correspondence to the above-described another medical fee payment method, one or more embodiments of the present specification also provide another storage medium based on the same technical idea.

It should be noted that, in the present specification, the embodiment of another storage medium and the embodiment of another medical fee payment method in the present specification are based on the same inventive concept, so that the specific implementation of this embodiment may refer to the implementation of the foregoing corresponding method, and the repetition is omitted.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can 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 are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, 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.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

One skilled in the relevant art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more 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 description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement 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 storage media for a computer 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 Disks (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), 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 defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A medical fee payment method, comprising:

2. The medical fee payment method according to claim 1, wherein the pre-settlement processing of the medical fee statement includes:

3. The medical fee payment method according to claim 1, wherein invoking the medical insurance platform for settlement processing according to the first amount includes:

4. The medical fee payment method according to claim 1, wherein the deducting the payment in the payment account of the user according to the second amount according to the agreement identification of the payment agreement includes:

Inquiring a corresponding protocol identifier according to the user identity information, and sending the protocol identifier and the second amount to a third party payment platform so that the third party payment platform pays and deducts the payment on a payment account of the user according to the protocol identifier and the second amount.

5. The medical fee payment method according to claim 1, wherein after the steps of collecting the medical insurance credential of the user displayed by the user terminal and submitting the medical insurance credential to the medical insurance platform to query the user identity information corresponding to the medical insurance credential are performed, the method further comprises:

if the user does not sign the payment agreement, generating an agreement sign-up two-dimensional code and sending the agreement sign-up two-dimensional code to a medical institution terminal for display so as to sign the payment agreement.

6. The medical fee payment method according to claim 5, the payment agreement signing comprising:

skipping to a payment protocol signing page of a third party payment platform according to the scanning operation of the user on the protocol signing two-dimensional code;

and acquiring a signing instruction submitted by the user through the payment agreement signing page, signing a payment agreement based on the signing instruction, and generating an agreement identifier after signing is successful.

7. The medical fee payment method according to claim 1, wherein if the user signs a payment agreement, submitting a medical fee statement to the medical insurance platform, and receiving the first amount and the second amount obtained by pre-settling the medical fee statement, further comprising, before executing the steps of:

and receiving a protocol identifier sent by the user terminal, and recording the binding relation between the protocol identifier and the user identity information.

8. The medical fee payment method according to claim 7, wherein after the steps of collecting the medical insurance certificate of the user displayed by the user terminal and submitting the medical insurance certificate to the medical insurance platform to inquire the user identity information corresponding to the medical insurance certificate are performed, and if the user signs a payment agreement, submitting a medical fee statement to the medical insurance platform, and receiving a first amount and a second amount obtained by pre-settling the medical fee statement, the method further comprises:

judging whether the user signs a payment protocol or not by inquiring whether the binding relation exists or not;

if so, determining that the user has signed a payment protocol;

if not, determining that the user does not sign a payment protocol.

9. The medical fee payment method according to claim 1, wherein the user identity information corresponding to the medical insurance certificate is queried by adopting the following method:

10. A medical fee payment method, comprising:

11. A medical fee payment method according to claim 10, wherein invoking the medical insurance platform for settlement processing in accordance with the first amount includes:

12. A medical fee payment method according to claim 10, said debiting a payment account of said user in a second amount comprising:

13. The medical fee payment method according to claim 10, further comprising:

and acquiring a signing instruction submitted by the user through the payment agreement signing page, signing a payment agreement based on the signing instruction, and sending an agreement identifier generated after signing success to a medical institution system.

14. A medical fee payment apparatus comprising:

The certificate acquisition module is configured to acquire a medical insurance certificate of a user displayed by a user terminal and submit the medical insurance certificate to a medical insurance platform so as to inquire user identity information corresponding to the medical insurance certificate;

if the user signs a payment protocol, a statement submitting module is operated; the statement submitting module is configured to submit a medical expense statement to the medical insurance platform and receive a first amount and a second amount obtained by pre-settlement processing of the medical expense statement;

the settlement processing module is configured to call the medical insurance platform according to the first amount to perform settlement processing to obtain a settlement result;

and the deduction module is configured to deduct money from the payment account of the user according to the second amount according to the protocol identification of the payment protocol.

15. A medical fee payment apparatus comprising:

the access request sending module is configured to send an access request of the medical insurance certificate to the medical insurance platform according to an access instruction of a user;

the medical insurance certificate receiving module is configured to receive and display the medical insurance certificate returned by the medical insurance platform;

the payment result acquisition module is configured to acquire and display the payment result of the medical expense settlement list of the user; the payment result comprises a settlement result obtained by calling the medical insurance platform for settlement according to a first amount and a deduction result obtained by deducting money from a payment account of the user according to a second amount;

16. A medical fee payment apparatus comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

17. A medical fee payment apparatus comprising:

18. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

19. A storage medium storing computer-executable instructions that when executed by a processor implement the following: