CN117764579A - Medical insurance payment method, device and equipment - Google Patents
Medical insurance payment method, device and equipment Download PDFInfo
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- CN117764579A CN117764579A CN202311485840.7A CN202311485840A CN117764579A CN 117764579 A CN117764579 A CN 117764579A CN 202311485840 A CN202311485840 A CN 202311485840A CN 117764579 A CN117764579 A CN 117764579A
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
Abstract
The embodiment of the specification discloses a medical insurance payment method, device and equipment. The method comprises the following steps: the second platform receives operation information for selecting a payment mode of a target order by a user; when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment, a medical insurance payment request for the target order is sent to a first platform, the first platform acquires the medical insurance payment request, determines state information of medical insurance electronic certificates corresponding to the user identification, and when the state information indicates that the medical insurance electronic certificates belong to an inactive state, generates prompt information, and sends the prompt information to a user terminal through a second platform for display.
Description
Technical Field
The application relates to the technical field of internet, in particular to a medical insurance payment method, device and equipment.
Background
With the rapid development of internet technology, mobile phone payment occupies an important position in life. In order to further facilitate the medical insurance payment, the medical insurance payment is transferred to the line, and the user can finish the medical insurance payment by directly using the mobile phone without carrying the medical insurance electronic certificate to a store for medical insurance card swiping payment.
Based on this, it is desirable to provide a more reliable method of medical insurance payment.
Disclosure of Invention
The embodiment of the specification provides a medical insurance payment method, device and equipment, which are used for solving the problem of low medical insurance payment efficiency in the existing medical insurance payment method.
In order to solve the above technical problems, the embodiments of the present specification are implemented as follows:
the medical insurance payment method provided by the embodiment of the specification comprises the following steps:
the first platform acquires a medical insurance payment request initiated by the second platform aiming at a target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of medical insurance electronic certificates corresponding to the user identifiers; the state information is used for representing the activation state of the medical insurance electronic certificate;
generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactive state; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal for display through the second platform.
The medical insurance payment method provided by the embodiment of the specification comprises the following steps:
the second platform receives operation information for selecting a payment mode of a target order by a user;
When the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
The embodiment of the present specification provides a medical insurance payment device, including:
the medical insurance payment request initiating module is used for acquiring a medical insurance payment request initiated by the second platform aiming at the target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the medical insurance electronic certificate state information determining module is used for determining state information of medical insurance electronic certificates corresponding to the user identification; the state information is used for representing the activation state of the medical insurance electronic certificate;
the prompt information generation module is used for generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactive state; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
And the prompt information display module is used for sending the prompt information to the user terminal for display through the second platform.
The embodiment of the present specification provides a medical insurance payment device, including:
the operation information receiving module is used for receiving operation information selected by a user aiming at a payment mode of a target order;
the medical insurance payment request sending module is used for sending a medical insurance payment request for the target order to the first platform when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the prompt information receiving module is used for receiving the prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and the prompt information sending module is used for sending the prompt information to the terminal of the user for display.
The embodiment of the specification provides a medical insurance payment device, including:
at least one processor; the method comprises the steps of,
a memory communicatively coupled to the at least one processor; wherein,
The memory stores instructions executable by the at least one processor to enable the at least one processor to:
the first platform acquires a medical insurance payment request initiated by the second platform aiming at a target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of medical insurance electronic certificates corresponding to the user identifiers; the state information is used for representing the activation state of the medical insurance electronic certificate;
generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactive state; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal for display through the second platform.
The embodiment of the specification provides a medical insurance payment device, including:
at least one processor; the method comprises the steps of,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
The second platform receives operation information for selecting a payment mode of a target order by a user;
when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
Embodiments of the present disclosure provide a computer readable medium having computer readable instructions stored thereon that are executable by a processor to implement a method of medical insurance payment.
One embodiment of the present disclosure can achieve the following beneficial effects: and acquiring a medical insurance payment request initiated by a second platform aiming at a target order through a first platform, determining state information of a medical insurance electronic certificate corresponding to the user identifier, wherein the state information is used for representing an activation state of the medical insurance electronic certificate, generating prompt information when the state information represents that the medical insurance electronic certificate belongs to an inactive state, and sending the prompt information to a user terminal through the second platform for display. In the method, when the second platform receives the medical insurance payment request of the user, the second platform sends the medical insurance payment request to the first platform, the first platform judges whether the user has the medical insurance electronic certificate and whether the medical insurance electronic certificate of the user is activated or not based on the medical insurance payment request, then the first platform guides the user to complete activation of the medical insurance electronic certificate and subsequent payment, a payment front-end component is displayed on the first platform, related authorized content of the front-end service of the user is displayed in the component, and after the user agrees, the transaction of the front-end service can be directly completed, so that the link and experience of the user using the payment service are greatly optimized. Therefore, the user understanding cost is reduced, the user operation efficiency is improved, and the jump and the user loss of the whole link are reduced.
Drawings
In order to more clearly illustrate the embodiments of the present description or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and that other drawings may be obtained according to these drawings without inventive effort to a person skilled in the art.
FIG. 1 is a schematic diagram of a process of binding an electronic certificate of medical insurance in a conventional medical insurance payment process;
fig. 2 is a schematic view of scenario interaction of a medical insurance payment method according to an embodiment of the present disclosure;
fig. 3 is a schematic flow chart of a method for payment for medical insurance on the first platform side according to an embodiment of the present disclosure;
FIG. 4 is an interface schematic diagram of a medical insurance payment process provided in an embodiment of the present disclosure;
fig. 5 is a schematic flow chart of a method for payment for medical insurance on the second platform side according to an embodiment of the present disclosure;
FIG. 6 is a schematic diagram of a first platform-side medical insurance payment device provided in an embodiment of the present disclosure;
FIG. 7 is a schematic diagram of a second platform-side medical insurance payment device provided in an embodiment of the present disclosure;
fig. 8 is a schematic diagram of a medical insurance payment device according to an embodiment of the present disclosure.
Detailed Description
For the purposes of making the objects, technical solutions and advantages of one or more embodiments of the present specification more clear, the technical solutions of one or more embodiments of the present specification will be clearly and completely described below in connection with specific embodiments of the present specification and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, of the embodiments of the present specification. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without undue burden, are intended to be within the scope of one or more embodiments herein.
The medical insurance electronic certificate is also called a medical insurance card, and is a functional card with a chip for identity confirmation and medical insurance personal account payment during medical treatment or pharmacy consumption. The personal identification card is used as an identification code to store and record detailed information such as personal identification card number, name and consumption condition.
With the development of socioeconomic performance, the medical insurance payment is developed from traditional card swiping payment carried by a user to online medical insurance payment, and the user can complete the medical insurance payment by using a mobile phone terminal bound with the medical insurance electronic certificate without carrying the medical insurance electronic certificate.
The medical insurance electronic certificate can represent medical insurance identity identification electronic media which are uniformly issued by the nation and are generated for all participants based on a medical insurance basic information base. The medical insurance electronic certificate forms an electronic identifier by adopting an encryption algorithm through a real name/real person authentication technology, and has the important characteristics of safety, reliability, unique authentication and the like. The participant can enjoy various online medical guarantee services through the electronic certificates, including medical insurance business transaction, medical insurance account inquiry, medical insurance visit, medicine purchase payment and the like.
The medical insurance electronic certificate has the functions of identity certificate, information record, self-help inquiry, medical insurance settlement, payment, treatment acquisition, medical insurance business handling and the like, and ensures that the masses can efficiently and safely enjoy various public services of medical insurance departments on the Internet. The participant can be activated and used by the national medical insurance service platform APP or by other third party platforms authenticated and authorized by the national medical insurance bureau.
The on-line payment scenario mainly includes on-line purchase of medical insurance payments and hospital applet medical insurance payments. In a payment scenario, there are many specific payment services that need to have pre-dependencies, such as: online medical insurance payment. The online medical insurance payment requires that a user bind the medical insurance electronic certificate in advance in an application program with a payment function of a mobile phone, for example, the social insurance online payment requires that the user bind an electronic social insurance card and the like, and the prepositive services require that the user is independently guided to bind services such as the medical insurance electronic certificate and the like before payment in a business scene.
When the medical insurance electronic certificate is bound in the application program with the payment function, the user needs to understand the flow of the bound medical insurance electronic certificate and independently complete the card binding action on the basis of understanding the function of the payment platform.
Fig. 1 is a schematic diagram of a process of binding an electronic certificate of medical insurance in a conventional medical insurance payment process. The platform involved in the whole process is provided with a medicine purchasing platform and a payment platform.
As shown in fig. 1, the whole process of settling a medicine using medical insurance payment is divided into five operation interfaces, namely a pre-payment interface 101, a medical insurance binding guide interface 103, an identity verification interface 105, a payment check interface 107 and a password input interface 109. The prepayment interface 101 includes drug information, amount information, user address information, payment method information, agreement information, and confirmation information for approving payment, which are selected by the user for purchase.
When the user clicks the "pay immediately" button in the prepayment interface 101, the paymate first determines whether the user has a condition for medical insurance payment (the user has medical insurance electronic credentials and activates the medical insurance electronic credentials); if the user does not have the condition of medical insurance payment at present, a medical insurance binding guide interface 103 is displayed for the user, and the medical insurance binding guide interface 103 can include confirmation information (such as 'agreeing to and getting through' in the figure) for prompting the user to authorize to activate the medical insurance electronic certificate, and can also include information such as a medical insurance electronic certificate related protocol corresponding to the medical insurance electronic certificate to be activated.
When the user clicks the button of "agree to protocol and get" in the medical insurance binding guide interface 103, an identity verification interface 105 is displayed for the user, in the identity verification interface 105, the name abbreviation and the certificate number abbreviation of the user are displayed, the user is prompted to take a face, and the user can take the face by clicking "collect the face".
However, after the authentication is completed, the user needs to skip to the pre-payment interface again, pull up the payment cash register in the pre-payment interface, that is, corresponding to the payment checking interface 107, the payment checking interface 107 may include a payment account number and a payment method, and the user checks to complete clicking the "immediate payment" in the interface, skip to the password input interface 109, and input the password to complete the payment.
In the whole process, the user needs to jump to the payment platform twice, namely if the medical insurance electronic certificate is not bound, the user needs to exit the current payment operation, jump to an interface of the bound medical insurance electronic certificate and finish the binding of the medical insurance electronic certificate according to the prompt. And then returning to the payment interface, and completing order payment by using a medical insurance payment mode. For example: the payment platform cooperates with the medicine purchasing platform to purchase medicine insurance payment settlement business on line. According to the requirements of the national medical insurance institutions, local medical insurance institutions and other institutions, a user must first go to a payment platform to activate a medical insurance electronic certificate when initiating medical insurance settlement on a medicine purchasing platform. Therefore, when the user purchases the medicine in the medicine purchasing platform to pay, the medicine purchasing platform needs to guide the user to complete the activation of the medical insurance electronic certificate, otherwise, the user cannot initiate the medical insurance payment. The medicine purchasing platform needs to additionally understand the business logic of the medical insurance electronic certificate, so that the docking cost is high; for the user, the user needs to jump from the shopping platform to the payment platform for binding the card and completing the payment for a plurality of times, so that the user experience is poor.
Therefore, in the embodiment of the present disclosure, a more reliable medical insurance payment method is provided to simplify a service link, and combine the service front of the binding card into the payment action of the payment platform, so as to reduce the understanding cost of the user, improve the operation efficiency of the binding card of the user, and reduce the user loss caused by the jump and the whole link.
The following describes in detail the technical solutions provided by the embodiments of the present specification with reference to the accompanying drawings.
Next, a method for payment for medical insurance provided for the embodiments of the specification will be specifically described with reference to the accompanying drawings:
fig. 2 is a schematic view of scene interaction of a medical insurance payment method according to an embodiment of the present disclosure.
As shown in fig. 2, the objects involved in the medical insurance payment scenario are: a user 201, a drug purchasing platform 203, an online or offline pharmacy 205, a paymate 207, and a medical insurance facility 209. The online or offline pharmacy 205 platform 203 has a cooperative relationship with the pharmacy purchasing platform 203, and the online or offline pharmacy 205 may be located on the pharmacy purchasing platform 203, specifically, each pharmacy may sign a location agreement, submit merchant information to the pharmacy purchasing platform 203, and approve the pharmacy to be located after the pharmacy purchasing platform 203 verifies that the pharmacy qualification passes. The user 201 can selectively purchase the medicines of each resident pharmacy in the medicine purchase platform 203, when the medicine purchase platform 203 needs to carry out the medicine insurance payment, the medicine purchase platform 203 initiates a medicine insurance payment request to the payment platform 207, and pulls up the cashier of the payment platform, the payment platform 207 judges the state information of the medicine insurance electronic certificate of the user 201, if the user 201 does not activate the medicine insurance electronic certificate, the payment platform 207 invokes the medicine insurance industry activation service to prompt the user to finish face verification, and after the face verification is passed, the quick activation of the medicine insurance electronic certificate is finished. The user 201, having activated the medical insurance electronic credential, initiates a medical insurance settlement service by the paymate 207 to the medical insurance institution 209. The payoff platform 207 then returns the settlement results to the drug purchasing platform 203, and the drug purchasing platform 203 schedules the corresponding pharmacy to complete the distribution service of the medical insurance medicine based on the settlement results.
The cash register can be a cash register pulled up at a user side when a merchant invokes a receipt of a payment application program to pay a product, the cash register displays a specific receipt amount, a payment mode and a payment account, and after a user confirms payment, the user verifies the identity of the user to finish the payment.
Example 1
Fig. 3 is a schematic flow chart of a method for payment of medical insurance on the first platform side according to an embodiment of the present disclosure. From the program perspective, the execution subject of the flow may be a program or an application client that is installed on an application server. In this embodiment, the interactive objects involved may include a user, a first platform, a second platform, and a medical insurance facility. The first platform may be a platform having a payment function. The second platform may be a take-away living platform, a shopping platform, or other platform capable of purchasing drugs or purchasing items using medical insurance payments. In this embodiment, the execution subject may be a platform having a payment function.
As shown in fig. 3, the process may include the steps of:
step 310: the first platform acquires a medical insurance payment request initiated by the second platform aiming at a target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order.
Taking the example of purchasing a drug, the target order may represent the user selecting the purchased drug on the second platform to pay for the corresponding order.
The user selects a payment mode of 'medical insurance payment' in the second platform, and the second platform receives the payment mode of 'medical insurance payment' selected by the user. But at the time of payment, the shopping platform needs to send order information to the paymate, and the paymate completes the payment. Thus, when the user selects the medical insurance payment method and clicks the payment button, the shopping platform may send a medical insurance payment request to the payment platform. The medical insurance payment request may indicate that the paymate is requested to complete payment for the target order in a medical insurance payment manner. Specifically, the medical insurance payment request sent by the shopping platform to the payment platform at least can include a user identifier corresponding to the target order.
It should be noted that the user identification information may represent information for uniquely identifying the user identity, for example: the user identification information may be a user ID. The user ID may be an account number registered by the user on the payment platform, or an account number allocated to the user by a system of the shopping platform when the user initiates a payment request on the shopping platform. Such an account number may be, for example, a string of characters. The user ID should be able to uniquely identify a user. For an individual user, the user ID may also be an identification card number if the identification card is uniformly employed by the credential type.
Step 320: determining state information of medical insurance electronic certificates corresponding to the user identifiers; the status information is used to represent an activation status of the medical insurance electronic certificate.
The status information may represent whether the medical insurance electronic credential is activated, in particular, the status information of the medical insurance electronic credential may include an activated state and an inactivated state.
Step 330: generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactive state; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate.
When the payment platform detects that the medical insurance electronic certificate of the user corresponding to the target order is not activated, the user is required to be guided to complete activation of the electronic medical insurance certificate.
The hint information may be system generated by the paymate and presentation of the hint information may be presented on the user terminal. The first prompt information may include a payment mode, a payment amount, an option button to "open electronic medical insurance electronic certificate", and an authorization button to authorize activation of the electronic medical insurance certificate. When the user is detected to not activate the electronic medical insurance certificate, the option button for opening the electronic medical insurance electronic certificate is automatically opened.
Step 340: and sending the prompt information to a user terminal for display through the second platform.
The generation of the prompt information is completed by the payment platform, and the display of the prompt information is displayed by the mobile phone terminal of the user, so that the payment platform can send the generated prompt information to the user terminal, and the user terminal displays the prompt information.
It should be understood that the method according to one or more embodiments of the present disclosure may include the steps in which some of the steps are interchanged as needed, or some of the steps may be omitted or deleted.
In the method in fig. 3, a first platform acquires a medical insurance payment request initiated by a second platform for a target order, determines state information of a medical insurance electronic certificate corresponding to the user identifier, wherein the state information is used for representing an activation state of the medical insurance electronic certificate, generates prompt information when the state information represents that the medical insurance electronic certificate belongs to an inactive state, and sends the prompt information to a user terminal for display through the second platform. In the method, when the second platform receives the medical insurance payment request of the user, the second platform sends the medical insurance payment request to the first platform, the first platform judges whether the user has the medical insurance electronic certificate and whether the medical insurance electronic certificate of the user is activated or not based on the medical insurance payment request, then the first platform guides the user to complete activation of the medical insurance electronic certificate and subsequent payment, a payment front-end component is displayed on the first platform, related authorized content of the front-end service of the user is displayed in the component, and after the user agrees, the transaction of the front-end service can be directly completed, so that the link and experience of the user using the payment service are greatly optimized. Therefore, the user understanding cost is reduced, the user operation efficiency is improved, and the jump and the user loss of the whole link are reduced.
Wherein the payment pre-component may represent a component for activating the medical insurance electronic credential.
The examples of the present specification also provide some specific embodiments of the method based on the method of fig. 3, which is described below.
Optionally, after the prompt message is sent to the user terminal for display through the second platform, the method further includes:
receiving confirmation operation information of the user for the prompt information;
activating the medical insurance electronic credential based on the validation operation information;
and completing the medical insurance payment based on the medical insurance electronic certificate.
After the user authorizes the opening of the electronic medical insurance certificate in the terminal interface, the payment platform activates the medical insurance electronic certificate corresponding to the user identifier, and after the electronic medical insurance certificate is activated, the payment is completed based on the activated medical insurance electronic certificate.
Further, the activating the medical insurance electronic certificate based on the confirmation operation information may specifically include:
based on the confirmation operation information, carrying out identity verification on the user to obtain a verification result;
and when the verification result shows that the identity verification of the user passes, activating the medical insurance electronic certificate of the user.
Specifically, when the electronic medical insurance certificate of the user is activated, in consideration of safety, identity verification needs to be performed on the user, and after the identity verification is successful, the activation of the electronic medical insurance certificate of the user can be completed.
It should be noted that medical insurance can be divided into basic medical insurance for town staff, basic medical insurance for new farmers, and basic medical insurance for residents in towns and medical insurance for leave-on portions. Corresponding to the above. There are also various types of medical insurance electronic vouchers. Therefore, when the electronic medical insurance certificate of the user is activated, firstly, based on the user identification corresponding to the target order, the type of the medical insurance electronic certificate corresponding to the user identification can be inquired from the blockchain network; and then the payment platform activates the medical insurance electronic certificate corresponding to the user based on the type of the medical insurance electronic certificate. For example: and when the user A corresponds to the new agricultural chemical medical insurance, intelligently activating the medical insurance electronic certificate corresponding to the new agricultural chemical medical insurance of the user A.
Optionally, the verifying the identity of the user based on the confirmation operation information may specifically include:
collecting biological characteristic information of the user;
matching is carried out on the basis of the biological characteristic information and biological characteristic information stored in advance in a blockchain network, so that a matching result is obtained; the corresponding relation between the user identification and the biological characteristic information is stored in the block chain network;
And when the matching result shows that the biological characteristic information is consistent with the biological characteristic information stored in the blockchain network in advance, determining that the identity verification of the user passes.
In identity verification, verification may be performed based on biometric information of the user. It should be noted that the biological features may include physical features of the user, such as fingerprint, vein, palm, retina, iris, face, and the like. When a user registers an account in the first platform, biometric information can be input in advance to complete identity authentication. In the subsequent process, when the first platform needs to verify the identity of the user, the biological characteristic information of the user can be acquired and compared with the biological characteristic information stored in advance, if the biological characteristic information is consistent with the biological characteristic information, the identity verification of the user can be determined to pass, and if the biological characteristic information is inconsistent with the biological characteristic information, the identity verification of the user is determined to not pass.
The biometric information pre-recorded in the first platform by the user and the identity authentication information of the user can be stored in the blockchain network, and particularly, when the biometric information is stored, the mapping relation between the user identification and the biometric information of the user can be stored.
In the above steps, the corresponding relation between the user identifier and the biological characteristic information is stored in the blockchain network, and the technique of the blockchain network is applied to ensure the security of the stored information.
The blockchain network (Block Chain Network) is a brand new distributed infrastructure and computing method for verifying and storing data by using a blockchain data structure, generating and updating data by using a distributed node consensus algorithm, ensuring the safety of data transmission and access by using a cryptography method, and programming and operating the data by using an intelligent contract consisting of an automatic script code. The blockchain network is composed of a plurality of nodes, and when each node broadcasts information or blocks to the blockchain network, all nodes can receive the information or blocks and verify the received blocks. And when the duty ratio of the number of nodes passing the block verification in the total number of nodes of the whole blockchain network is larger than a preset threshold value, determining that the blockchain network passes the block verification, and receiving the block by all the nodes and storing the block in a local node space. A node may be understood as an electronic device with a storage function, such as a server, a terminal, etc. The blockchain network is mainly divided into public chains, alliance chains and private chains.
The Block chain (Block chain) can be understood as a data chain formed by sequentially storing a plurality of blocks, and the Block header of each Block contains a timestamp of the Block, a hash value of the previous Block information and a hash value of the Block information, so that mutual verification between the blocks is realized, and a tamper-proof Block chain is formed. Each block is understood to be a block of data (a unit of stored data). The block chain is used as a decentralization database and is a series of data blocks which are generated by mutually correlating a cryptography method, and each data block contains information of one network transaction and is used for verifying the validity (anti-counterfeiting) of the information and generating a next block. The chain formed by connecting blocks end to end is the block chain. If the data in the block needs to be modified, the contents of all blocks after the block need to be modified, and the data backed up by all nodes in the blockchain network are modified. Therefore, the blockchain is characterized by being difficult to tamper with and delete, and has reliability as a method for maintaining the integrity of the content after the data has been saved to the blockchain.
The blockchain technology mainly has the properties of decentralization, non-tamper property, disclosure transparency, traceability, collective maintainability and the like. The key technology of the blockchain core mainly relates to the following aspects:
(1) Consensus mechanism: because there is no center in the blockchain network, a preset rule is needed to guide the nodes of each party to agree on data processing, and all data interaction is performed according to strict rules and consensus.
(2) Cryptography techniques: cryptography is one of the core technologies of blockchain, and many classical algorithms of modern cryptography are adopted in the current blockchain application, mainly including: hash algorithms, symmetric encryption, asymmetric encryption, digital signatures, etc.
(3) And (3) distributed storage: blockchains are distributed ledgers over point-to-point networks where each participating node will independently store the written blockdata information in its entirety. The advantages of distributed storage over traditional centralized storage are mainly reflected in two aspects: 1. and the data information is backed up on each node, so that the data loss caused by single-point faults is avoided. 2. The data on each node is independently stored, so that the historical data can be effectively prevented from being tampered with by others.
(4) Intelligent contract: the smart contracts allow trusted transactions without third parties, which will be automatically executed as long as one party achieves the pre-agreed goals. These transactions are traceable and irreversible. The intelligent contract has the advantages of transparency, reliability, automatic execution and forced performance.
Based on the nature of the blockchain and core technology, the corresponding relation between the user identification and the biological characteristic information is stored in the blockchain network, and the safety of the user data can be ensured by utilizing the nature of the blockchain based on the interaction between the payment platform and the blockchain network. In addition, the state information of the medical insurance electronic certificate of the user may also be stored in the blockchain network, specifically, after the medical insurance electronic certificate of the user is activated, the method may further include:
and sending the activation state information of the medical insurance electronic certificate to the blockchain network so as to enable the blockchain network to update the state information of the medical insurance electronic certificate.
With the increasing number of users of the paymate, the data amount stored in the database of the paymate is increased, so that the operation pressure of the server in the paymate is increased, and therefore, in order to reduce the storage pressure of the paymate and also in order to ensure the safety of user data, the user data can be stored in the blockchain network, and interaction between the paymate and the blockchain network can be realized. After the payment platform activates the medical insurance electronic certificate, the original unactivated state can be changed into an activated state, and the state information of the corresponding medical insurance electronic certificate is uploaded to the blockchain network for storage.
Optionally, a mapping relationship between the user identifier and the medical insurance electronic certificate identifier may also be stored in the blockchain network;
the determining the state information of the medical insurance electronic certificate corresponding to the user identifier may specifically include:
determining a medical insurance electronic certificate identifier corresponding to the user identifier from the blockchain network;
and determining state information corresponding to the medical insurance electronic certificate identifier from the blockchain network.
The prompt information at least comprises an activation interface; the activation interface comprises an activation button in an on state.
By the method, the real validity of the acquired state information can be ensured by acquiring the state information of the medical insurance electronic certificate from the blockchain. So that the paymate can more accurately determine whether the user's medical insurance electronic certificate needs to be activated based on the state information of the medical insurance electronic certificate.
The prompt message may include at least an activation interface; the activation interface comprises an activation button in an on state. The activation interface may refer to an interface that guides the user through the activation of medical insurance electronic credentials.
Optionally, the completing the medical insurance payment based on the medical insurance electronic certificate may specifically include:
Based on the medical insurance electronic certificate, sending a medical insurance settlement request to a medical insurance institution; the medical insurance settlement request at least comprises a user identification, medical insurance electronic certificate information and amount information.
Optionally, after sending the medical insurance settlement request to the medical insurance institution, the method may further include:
receiving a settlement result returned by the medical insurance institution;
and sending the settlement result to the second platform.
When the medical insurance payment is required, the medical institution (such as a hospital or a pharmacy) or a medicine purchasing platform capable of selling medicines sends the information of the insurers and the consumption information to the medical insurance management institution (such as a medical insurance bureau) in an online medical insurance payment mode, the medical insurance management institution determines the amount of money which can be reimbursed by the medical insurance according to the acquired information, and settles, and after the calculation is completed, the medical institution or the medicine purchasing platform is informed of the settlement result.
Optionally, before the medical insurance payment is completed based on the medical insurance electronic certificate, the method further includes:
receiving a password instruction input by the user in a password input interface;
acquiring prestored password information corresponding to the medical insurance electronic certificate from a blockchain network;
comparing the password instruction input by the user with the password information;
And when the password instruction input by the user is consistent with the password information, completing payment based on the medical insurance electronic certificate.
The block chain network is pre-stored with the password information corresponding to each medical insurance electronic certificate. When the medical insurance payment is carried out on the target order of the user, the medical insurance electronic certificate corresponding to the user identification and the payment password corresponding to the medical insurance electronic certificate can be obtained from the blockchain network based on the user identification.
During payment, the user is required to input a payment password so as to further check the identity information of the user, and the payment for the target order is completed after the identity information of the user is checked to be consistent.
By the method, the risk of stolen brushing of the medical insurance electronic certificate can be avoided.
The method steps of example 1 are better explained by way of example and can be further explained in conjunction with fig. 3:
fig. 4 is an interface schematic diagram of a medical insurance payment procedure provided in an embodiment of the present disclosure.
As shown in fig. 4, four interfaces may be corresponding to the medical insurance payment flow interface diagram provided in the embodiment of the present disclosure: a pre-pay interface 401, a medical insurance activation guidance interface 403, an identity verification interface 405, and a password input interface 407. The prepayment interface 401 may include drug information, amount information, user address information, payment mode information, agreement information, and confirmation information for approval of payment, which the user selects to purchase. The paymate is directly invoked in the prepayment interface 401, and the paymate can include a payment account number, a payment method, a medical insurance certificate related protocol of the user, and a function button for opening the electronic medical insurance certificate, and similarly, the function button is automatically opened when the user does not activate the medical insurance electronic certificate. When the user has activated the medical insurance electronic certificate, neither the function button nor the medical insurance electronic certificate related protocol will be displayed.
The identity verification interface 405 may include a face acquisition area 409 for acquiring face information of the user, where the user moves the face to perform specified actions according to the prompt information, for example: blinking. The password input interface 407 may include a keypad area 411 for a user to click on and a password input area 413 for the user to input, where the user completes password input by clicking on the corresponding number in the keypad area 411. And the payment platform checks with the pre-stored information based on the password input by the user, and finishes medical insurance payment after the check is successful.
In the method in the embodiment 1, if the payment scene has a related service front, the user initiates payment through the payment platform, integrates the cash register in the payment platform with the service front service for the user who does not meet the service front, that is, displays the payment front component on the cash register, displays the related authorized content of the service front of the user in the component, and after the user agrees, the user can directly complete the transaction of the front service, thereby greatly optimizing the link and experience of the user for using the payment service, and reducing the user flow caused by the transaction of the front value service.
Example 2
Fig. 5 is a schematic flow chart of a medical insurance payment method on the second platform side according to an embodiment of the present disclosure. From the program perspective, the execution subject of the flow may be a program or an application client that is installed on an application server. In this embodiment, the interactive objects involved may include a user, a first platform, a second platform, and a medical insurance facility. The first platform may be a platform having a payment function. The second platform may be a take-away living platform, a shopping platform, or other platform capable of purchasing drugs or purchasing items using medical insurance payments. In this embodiment, the execution subject may be a platform having a payment function.
As shown in fig. 5, the process may include the steps of:
step 510: and the second platform receives operation information for selecting a payment mode of the target order by the user.
Taking a medicine purchasing platform as a second platform as an example, the following description of the embodiment is carried out: the user selects medicines to be purchased based on the medicine purchasing platform, and then selects a payment mode of 'medical insurance payment' in an interface of the medicine purchasing platform.
Step 520: when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order.
Step 530: receiving prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate.
Step 540: and sending the prompt information to the terminal of the user for display.
The method flow described in fig. 5 has a correspondence with the method flow described in fig. 3. In the above steps, the same or corresponding parts as those of the method of fig. 3 are not explained again.
By the method, the cash register table and the front-end payment business are integrated, when the cash register table is pulled up, front-end business such as authorization binding card and the like are displayed at the same time except when the specific cash register amount, payment mode and payment account are displayed, and a user confirms payment and completes front-end binding card action. The medicine purchase platform only needs to be in butt joint with the service of the payment platform 'medical insurance payment', when a user normally initiates medical insurance payment settlement by the medicine purchase platform, the payment platform judges the activation state of the user medical insurance electronic certificate, and the user which is not activated is guided to activate and complete the medical insurance settlement service. The docking cost of the medicine purchasing platform is reduced, the payment experience of a user side is optimized, the operation efficiency of the user is improved, and the jump and the user loss of the whole link are reduced.
Based on the same thought, the embodiment of the present specification further provides a device corresponding to the method in the embodiment 1. Fig. 6 is a schematic diagram of a medical insurance payment device on the first platform side according to an embodiment of the present disclosure. As shown in fig. 6, the apparatus may include:
the medical insurance payment request initiating module 610 is configured to obtain a medical insurance payment request initiated by the second platform for the target order by using the first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
a medical insurance electronic certificate status information determining module 620, configured to determine status information of a medical insurance electronic certificate corresponding to the user identifier; the state information is used for representing the activation state of the medical insurance electronic certificate;
the prompt information generation module 630 is configured to generate prompt information when the status information indicates that the medical insurance electronic credential belongs to an inactive status; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and the prompt information display module 640 is configured to send the prompt information to the user terminal for display through the second platform.
The present description example also provides some specific embodiments of the device based on the device of fig. 6, which is described below.
Optionally, the apparatus may further include:
the confirmation operation information receiving module is used for receiving confirmation operation information of the prompt information from a user;
the medical insurance electronic certificate activating module is used for activating the medical insurance electronic certificate based on the confirmation operation information;
and the medical insurance payment module is used for completing medical insurance payment based on the medical insurance electronic certificate.
Optionally, the medical insurance electronic certificate activation module may specifically include:
the identity verification unit is used for verifying the identity of the user based on the confirmation operation information to obtain a verification result;
and the medical insurance electronic certificate activating unit is used for activating the medical insurance electronic certificate of the user when the verification result indicates that the identity verification of the user passes.
Optionally, the identity verification unit may specifically include:
a biological characteristic information acquisition subunit, configured to acquire biological characteristic information of the user;
the biological characteristic information matching subunit is used for matching the biological characteristic information with biological characteristic information stored in advance in the blockchain network based on the biological characteristic information to obtain a matching result; the corresponding relation between the user identification and the biological characteristic information is stored in the block chain network;
And the identity verification passing subunit is used for determining that the identity verification of the user passes when the matching result shows that the biological characteristic information is consistent with the biological characteristic information stored in the blockchain network in advance.
Optionally, the identity verification unit may further include:
and the activation state information sending subunit is used for sending the activation state information of the medical insurance electronic certificate to the blockchain network so as to update the state information of the medical insurance electronic certificate by the blockchain network.
Optionally, a mapping relationship between the user identifier and the medical insurance electronic certificate identifier may be stored in the blockchain network;
the medical insurance electronic credential status information determining module 620 may specifically include:
the medical insurance electronic certificate identification determining unit is used for determining medical insurance electronic certificate identifications corresponding to the user identifications from the blockchain network;
and the state information determining unit is used for determining state information corresponding to the medical insurance electronic certificate identifier from the blockchain network.
Optionally, the prompt information may include at least an activation interface; the activation interface may include an activation button in an on state.
Optionally, the medical insurance payment module may specifically include:
the medical insurance settlement request sending unit is used for sending a medical insurance settlement request to a medical insurance institution based on the medical insurance electronic certificate; the medical insurance settlement request at least comprises a user identification, medical insurance electronic certificate information and amount information.
Optionally, the medical insurance payment module may further include:
the settlement result receiving unit is used for receiving a settlement result returned by the medical insurance institution;
and the settlement result sending unit is used for sending the settlement result to the second platform.
Optionally, the apparatus may further include:
the password instruction receiving module is used for receiving the password instruction input by the user in the password input interface;
the prestored password information acquisition module is used for acquiring prestored password information corresponding to the medical insurance electronic certificate from a blockchain network;
the comparison module is used for comparing the password instruction input by the user with the password information;
and the payment module is used for completing payment based on the medical insurance electronic certificate when the password instruction input by the user is consistent with the password information.
Based on the same thought, the embodiment of the present specification further provides a device corresponding to the method in the embodiment 2. Fig. 7 is a schematic diagram of a medical insurance payment device on the second platform side according to an embodiment of the present disclosure. As shown in fig. 7, the apparatus may include:
An operation information receiving module 710, configured to receive operation information that is selected by a user for a payment manner of the target order;
the medical insurance payment request sending module 720 is configured to send a medical insurance payment request for the target order to the first platform when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the prompt information receiving module 730 is configured to receive the prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and the prompt information sending module 740 is configured to send the prompt information to the terminal of the user for display.
Based on the same thought, the embodiment of the specification also provides equipment corresponding to the method.
Fig. 8 is a schematic diagram of a medical insurance payment device according to an embodiment of the present disclosure. As shown in fig. 8, the device 800 may include:
at least one processor 810; the method comprises the steps of,
a memory 830 communicatively coupled to the at least one processor; wherein,
the memory 830 stores instructions 820 executable by the at least one processor 810.
Corresponding to embodiment 1, the instructions are executed by the at least one processor 810 to enable the at least one processor 810 to:
the first platform acquires a medical insurance payment request initiated by the second platform aiming at a target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of medical insurance electronic certificates corresponding to the user identifiers; the state information is used for representing the activation state of the medical insurance electronic certificate;
generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactive state; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal for display through the second platform.
Corresponding to embodiment 2, the instructions are executed by the at least one processor 810 to enable the at least one processor 810 to:
the second platform receives operation information for selecting a payment mode of a target order by a user;
when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
Receiving prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
Based on the same thought, the embodiment of the specification also provides a computer readable medium corresponding to the method. The computer readable medium has computer readable instructions stored thereon.
Corresponding to embodiment 1, the computer readable instructions are executable by a processor to implement the method of:
the first platform acquires a medical insurance payment request initiated by the second platform aiming at a target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of medical insurance electronic certificates corresponding to the user identifiers; the state information is used for representing the activation state of the medical insurance electronic certificate;
generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactive state; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to a user terminal for display through the second platform.
Corresponding to embodiment 2, the computer readable instructions are executable by a processor to implement the method of:
the second platform receives operation information for selecting a payment mode of a target order by a user;
when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate;
and sending the prompt information to the terminal of the user for display.
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 the apparatus embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments in part.
In the 90 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. The designer programs itself to "integrate" a digital system onto a single 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: ARC 625D, atmelAT91SAM, 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 element may be implemented in one or more software and/or hardware elements when implemented in the present application.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the 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 Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape 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.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The application 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. The application 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.
The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.
Claims (19)
1. A method of medical insurance payment, comprising:
the first platform acquires a medical insurance payment request initiated by the second platform aiming at a target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of medical insurance electronic certificates corresponding to the user identifiers; the state information is used for representing the activation state of the medical insurance electronic certificate;
generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactive state; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate, and comprises a payment mode, a payment amount and related authorization contents of an authorization binding card;
and sending the prompt information to a user terminal for display through the second platform.
2. The method of claim 1, the first platform being a payment enabled platform; the first platform is a platform other than a medical insurance mechanism; the second platform is a platform capable of paying for a purchased item using a medical insurance.
3. The method of claim 1, the method further comprising:
receiving confirmation operation information of the user for the prompt information;
activating the medical insurance electronic credential based on the validation operation information;
and completing the medical insurance payment based on the medical insurance electronic certificate.
4. The method of claim 3, the activating the medical insurance electronic credential based on the validation operation information, comprising in particular:
based on the confirmation operation information, carrying out identity verification on the user to obtain a verification result;
and when the verification result shows that the identity verification of the user passes, activating the medical insurance electronic certificate of the user.
5. The method according to claim 4, wherein the verifying the identity of the user based on the confirmation operation information, to obtain a verification result, specifically includes:
collecting biological characteristic information of the user;
matching is carried out on the basis of the biological characteristic information and biological characteristic information stored in advance in a blockchain network, so that a matching result is obtained; the corresponding relation between the user identification and the biological characteristic information is stored in the block chain network;
and when the matching result shows that the biological characteristic information is consistent with the biological characteristic information stored in the blockchain network in advance, determining that the identity verification of the user passes.
6. The method of claim 5, further comprising, after the activating the user's medical insurance electronic credential:
and sending the activation state information of the medical insurance electronic certificate to the blockchain network so as to enable the blockchain network to update the state information of the medical insurance electronic certificate.
7. The method of claim 5, wherein a mapping relationship between a user identifier and a medical insurance electronic credential identifier is stored in the blockchain network;
the determining the state information of the medical insurance electronic certificate corresponding to the user identifier specifically comprises the following steps:
determining a medical insurance electronic certificate identifier corresponding to the user identifier from the blockchain network;
and determining state information corresponding to the medical insurance electronic certificate identifier from the blockchain network.
8. The method of claim 1, the hint information comprising at least an activation interface; the activation interface comprises an activation button in an on state.
9. The method of claim 3, wherein the completing the medical insurance payment based on the medical insurance electronic certificate specifically comprises:
based on the medical insurance electronic certificate, sending a medical insurance settlement request to a medical insurance institution; the medical insurance settlement request at least comprises a user identification, medical insurance electronic certificate information and amount information.
10. The method of claim 9, further comprising, after sending the medical insurance settlement request to the medical insurance institution:
receiving a settlement result returned by the medical insurance institution;
and sending the settlement result to the second platform.
11. The method of claim 3, wherein the completing the medical insurance payment based on the medical insurance electronic credential further comprises:
receiving a password instruction input by the user in a password input interface;
acquiring prestored password information corresponding to the medical insurance electronic certificate from a blockchain network;
comparing the password instruction input by the user with the password information;
and when the password instruction input by the user is consistent with the password information, completing payment based on the medical insurance electronic certificate.
12. A method of medical insurance payment, comprising:
the second platform receives operation information for selecting a payment mode of a target order by a user;
when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
Receiving prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate, and comprises a payment mode, a payment amount and related authorization contents of an authorization binding card.
13. The method of claim 12, the first platform being a payment enabled platform; the first platform is a platform other than a medical insurance mechanism; the second platform is a platform capable of paying for a purchased item using a medical insurance.
14. The method of claim 12, the method further comprising:
receiving confirmation operation information of the user for the prompt information;
activating the medical insurance electronic credential based on the validation operation information;
and completing the medical insurance payment based on the medical insurance electronic certificate.
15. A medical insurance payment device, comprising:
the medical insurance payment request initiating module is used for acquiring a medical insurance payment request initiated by the second platform aiming at the target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the medical insurance electronic certificate state information determining module is used for determining state information of medical insurance electronic certificates corresponding to the user identification; the state information is used for representing the activation state of the medical insurance electronic certificate;
The prompt information generation module is used for generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactive state; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate, and comprises a payment mode, a payment amount and related authorization contents of an authorization binding card.
16. A medical insurance payment device, comprising:
the operation information receiving module is used for receiving operation information selected by a user aiming at a payment mode of a target order;
the medical insurance payment request sending module is used for sending a medical insurance payment request for the target order to the first platform when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
the prompt information receiving module is used for receiving the prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate, and comprises a payment mode, a payment amount and related authorization contents of an authorization binding card.
17. A medical insurance payment device, comprising:
at least one processor; the method comprises the steps of,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to:
the first platform acquires a medical insurance payment request initiated by the second platform aiming at a target order; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
determining state information of medical insurance electronic certificates corresponding to the user identifiers; the state information is used for representing the activation state of the medical insurance electronic certificate;
generating prompt information when the state information indicates that the medical insurance electronic certificate belongs to an inactive state; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate, and comprises a payment mode, a payment amount and related authorization contents of an authorization binding card.
18. A medical insurance payment device, comprising:
at least one processor; the method comprises the steps of,
a memory communicatively coupled to the at least one processor; wherein,
The memory stores instructions executable by the at least one processor to enable the at least one processor to:
the second platform receives operation information for selecting a payment mode of a target order by a user;
when the operation information indicates that the payment mode selected by the user for the target order is medical insurance payment, sending a medical insurance payment request for the target order to a first platform; the medical insurance payment request at least comprises a user identifier corresponding to the target order;
receiving prompt information generated by the first platform; the prompt information is used for prompting the user to authorize the first platform to activate the medical insurance electronic certificate, and comprises a payment mode, a payment amount and related authorization contents of an authorization binding card.
19. A computer readable medium having stored thereon computer readable instructions executable by a processor to implement the medical insurance payment method of any of claims 1 to 14.
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| CN202311485840.7A CN117764579A (en) | 2021-04-30 | 2021-04-30 | Medical insurance payment method, device and equipment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110482844.4A CN113129016B (en) | 2021-04-30 | 2021-04-30 | Medical insurance payment method, device and equipment |
| CN202311485840.7A CN117764579A (en) | 2021-04-30 | 2021-04-30 | Medical insurance payment method, device and equipment |
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| CN202110482844.4A Active CN113129016B (en) | 2021-04-30 | 2021-04-30 | Medical insurance payment method, device and equipment |
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| CN113627946A (en) * | 2021-08-11 | 2021-11-09 | 中国银行股份有限公司 | Block chain based vein payment method and device and bracelet equipment |
| CN116228442A (en) * | 2021-12-23 | 2023-06-06 | 浙江口碑网络技术有限公司 | Medical service order processing method and device and electronic equipment |
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| JP4443946B2 (en) * | 2003-01-31 | 2010-03-31 | 株式会社メディカル・データ・コミュニケーションズ | Payment system and payment method for self-pay of medical insurance such as health insurance |
| JP2005292936A (en) * | 2004-03-31 | 2005-10-20 | Medical Data Communications:Kk | Payment system and method for medical insurance self-payment portion, and computer program |
| US20140088999A1 (en) * | 2004-08-31 | 2014-03-27 | Electronic Commerce for Healthcare Organizations, Inc. | Medical claims payment system with payment consolidation from multiple employer accounts |
| WO2012097310A1 (en) * | 2011-01-14 | 2012-07-19 | Visa International Service Association | Healthcare prepaid payment platform apparatuses, methods and systems |
| CN107833039A (en) * | 2017-02-13 | 2018-03-23 | 平安医疗健康管理股份有限公司 | Medical care cost method and system |
| CN107194679A (en) * | 2017-05-22 | 2017-09-22 | 君晟合众（北京）科技有限公司 | Online credit payment system and method for payment based on medical insurance real-time credit |
| US20190108512A1 (en) * | 2017-10-11 | 2019-04-11 | Mastercard International Incorporated | Token-based web authorized split transactions |
| CN110889693B (en) * | 2019-11-22 | 2021-06-25 | 支付宝(杭州)信息技术有限公司 | Payment method, device and system |
| CN111429126A (en) * | 2020-03-03 | 2020-07-17 | 支付宝(杭州)信息技术有限公司 | Payment method, device and equipment |
| CN111539833B (en) * | 2020-04-10 | 2023-01-10 | 支付宝(杭州)信息技术有限公司 | Medical expense payment method, device and system |
| CN212873646U (en) * | 2020-08-01 | 2021-04-02 | 上海云央网络科技有限公司 | Automatic medicine selling system supporting medical insurance electronic certificate |
| CN111882769A (en) * | 2020-08-01 | 2020-11-03 | 上海云央网络科技有限公司 | Automatic medicine selling machine supporting medical insurance electronic certificate, medicine selling system and method |
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