CN202694414U - System for authenticating payment information of IC social security card - Google Patents
System for authenticating payment information of IC social security card Download PDFInfo
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- CN202694414U CN202694414U CN 201120407638 CN201120407638U CN202694414U CN 202694414 U CN202694414 U CN 202694414U CN 201120407638 CN201120407638 CN 201120407638 CN 201120407638 U CN201120407638 U CN 201120407638U CN 202694414 U CN202694414 U CN 202694414U
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- 230000036541 health Effects 0.000 claims description 55
- 238000012795 verification Methods 0.000 claims description 19
- 238000003745 diagnosis Methods 0.000 claims description 17
- 238000013475 authorization Methods 0.000 claims description 8
- 238000000034 method Methods 0.000 description 12
- 238000006243 chemical reaction Methods 0.000 description 5
- 238000010586 diagram Methods 0.000 description 5
- 239000003146 anticoagulant agent Substances 0.000 description 4
- 229940127219 anticoagulant drug Drugs 0.000 description 4
- 230000009286 beneficial effect Effects 0.000 description 4
- 238000002560 therapeutic procedure Methods 0.000 description 4
- 238000013507 mapping Methods 0.000 description 3
- 230000008878 coupling Effects 0.000 description 2
- 238000010168 coupling process Methods 0.000 description 2
- 238000005859 coupling reaction Methods 0.000 description 2
- 201000010099 disease Diseases 0.000 description 2
- 208000037265 diseases, disorders, signs and symptoms Diseases 0.000 description 2
- 239000003814 drug Substances 0.000 description 2
- 238000002651 drug therapy Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 210000001035 gastrointestinal tract Anatomy 0.000 description 2
- 238000002347 injection Methods 0.000 description 2
- 239000007924 injection Substances 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 230000008901 benefit Effects 0.000 description 1
- 239000000284 extract Substances 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 208000023504 respiratory system disease Diseases 0.000 description 1
- PJVWKTKQMONHTI-UHFFFAOYSA-N warfarin Chemical compound OC=1C2=CC=CC=C2OC(=O)C=1C(CC(=O)C)C1=CC=CC=C1 PJVWKTKQMONHTI-UHFFFAOYSA-N 0.000 description 1
- 229960005080 warfarin Drugs 0.000 description 1
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Abstract
Provided is a system for authenticating the payment information of an IC social security card. The system comprises a car reader, a hospital server and a bank server, wherein the hospital server is connected with the card reader and the bank server, respectively. The car reader reads the IC social security card information which includes a card number, an authentication password, a service code and the treatment information in the IC social security card, and transmits the IC social security card information to the hospital server. The hospital server comprises a social security card information input interface, an authentication information output interface and a data memory. The bank server comprises an authentication information receiving interface, for receiving the payment amount, the IC social security card information and the corresponding MAC address of the card reader; a medical insurance information memory, for storing the bank medical insurance account information which corresponds to the IC social security card; and an authentication result output interface, for outputting a payment information authentication result of the IC social security card to the hospital server, which outputs the authentication result. The system of the utility model can realize rapid, accurate and timely authentication operation of the medical payment information of the IC social security card.
Description
Technical field
The utility model is about the IC-card technology, particularly about a kind of IC social security card payment information Verification System.
Background technology
Perfect gradually along with medical system, social security card (being the IC social security card) has obtained popularizing, the citizen of the People's Republic of China (PRC) only need to hand the IC social security card and just can arrive hospital and seek medical advice, and just can register by swiping the card in the card reader of hospital, the operation such as pay the fees.Popularizing of IC social security card brought very large convenience to seeking medical advice of people, but the utility model people finds that also there are the following problems in the prior art:
1) IC social security card itself has just been stored individual basic medical information, can not directly pay the fees, and also needs to make in cash or bank card is paid the fees, and has certain limitation.
2) a lot of sick huge medical expenses that need, the ordinary people is difficult to bear, but because medical loan data treatment capacity is large, the reasons such as flow process is loaded down with trivial details, be difficult to realize the medical treatment loan, occurred buying house and to have applied for housing loan, gone to school and to apply for loans for supporting students, seen a doctor the situation (as shown in Figure 1) that but can not provide a loan.
The utility model content
The utility model provides a kind of IC social security card payment information Verification System, to realize the medical information authentication of social security card.
To achieve these goals, the utility model provides a kind of IC social security card payment information Verification System, this system comprises: card reader, hospital server and bank server, described card reader is connected with described hospital server by the hospital internal network, described hospital server is connected with described bank server by wide area network, described card reader is used for reading the card number that comprises of IC social security card, authentication password, the IC social security card information of service code and diagnosis information, and described IC social security card information exchange is crossed the hospital internal network send to described hospital server; Described hospital server comprises: social security card input information interface, be connected with described card reader by the hospital internal network, be used for receiving described social security card information, the authorization information output interface, be connected with described wide area network, be used for exporting the amount of money of paying the fees, IC social security card information and corresponding card reader MAC Address; Data-carrier store is connected with described wide area network, is used for storing described diagnosis information; Described bank server comprises: the authorization information receiving interface, be connected with described wide area network, be used for receiving the amount of money of paying the fees, IC social security card information and corresponding card reader MAC Address, the medical insurance information-storing device, be connected with described wide area network, be used for the corresponding bank of storage IC social security card medical insurance accounts information, the authentication result output interface, be connected with described wide area network, be used for and export to described hospital server according to the IC social security card payment information authentication result of described diagnosis information, the pay the fees amount of money and bank's medical insurance accounts information generation; Described hospital server is exported described IC social security card payment information authentication result.
Further, described system also comprises: insurance company server, connect described bank server by wide area network, and described insurance company server comprises: data-carrier store is used for storage health insurance data; The health insurance data output interface is connected respectively with described data-carrier store and wide area network, is used for the health insurance data of described data-carrier store storage are exported to described bank server.
Further, described system also comprises: the bank preposing server, be connected with described hospital server and insurance company server respectively by wide area network, and connect described bank server by LAN (Local Area Network), described bank preposing server comprises: the data receiver interface, described wide area network is connected, and be used for to receive the data of sending from described hospital server and insurance company server; Format converting module is used for the data that receive are carried out format conversion; Data output interface is connected with described LAN (Local Area Network), is used for the data after the format conversion are exported to described bank server.
Further, described system also comprises: cipher small keyboard: be connected with described card reader, be used for the authentication password of input IC social security card; The service item input media is connected with described card reader, is used for input Bank Name and medical financial service; Computing machine is connected with described card reader, is used for producing service code information according to described Bank Name and medical financial service.
The beneficial effects of the utility model are, the data that IC social security card payment information authentication method of the present utility model and system can be fast preserve hospital, bank, insurance be processed, realize IC social security card medical payment information fast, accurately, authentication operation timely.
Description of drawings
In order to be illustrated more clearly in the utility model embodiment or technical scheme of the prior art, the below will do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art, apparently, accompanying drawing in the following describes only is embodiment more of the present utility model, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain according to these accompanying drawings other accompanying drawing.In the accompanying drawings:
Fig. 1 is medical present situation synoptic diagram of the prior art;
Fig. 2 is the utility model example I C social security card payment information Verification System structural representation;
Fig. 3 is the service item synoptic diagram that the utility model embodiment display shows;
Fig. 4 is the hardware block diagram of the utility model example I C social security card payment information Verification System;
Fig. 5 is the hardware block diagram of the utility model embodiment bank preposing server and insurance company server;
Fig. 6 is the utility model example I C social security card payment information authentication method process flow diagram.
Embodiment
For the purpose, technical scheme and the advantage that make the utility model embodiment is clearer, below in conjunction with accompanying drawing the utility model embodiment is described in further details.At this, the utility model be used for is explained in illustrative examples of the present utility model and explanation thereof, but not as to restriction of the present utility model.
As shown in Figure 2, present embodiment provides a kind of IC social security card payment information Verification System, this IC social security card payment information Verification System comprises: card reader 201, hospital server 203 and bank server 205, described card reader 201 is connected with described hospital server 203 by the hospital internal network, and described hospital server 203 is connected with described bank server 205 by wide area network.
Described card reader 201 is used for reading the IC social security card information that comprises card number, authentication password, service code and diagnosis information of IC social security card, and described IC social security card information exchange is crossed the hospital internal network sends to described hospital server.As shown in Figure 2, described IC social security card payment information Verification System also comprises computing machine 202, and card reader 201 sends to hospital server 203 by computing machine 202 with described IC social security card information.
Described IC social security card payment information Verification System also comprises input equipment, and input equipment comprises cipher small keyboard 208 and service item input media 209.Card user 210 is by cipher small keyboard 208 input authentication passwords, and by 209 input Bank Name and the medical financial service of service item input media, computing machine 202 generates service code information according to described Bank Name and medical financial service.Service item input media 209 comprises a display, and to show service item for user selection, this display can be touch-screen, and the user can directly select to input Bank Name and medical financial service by this display.As shown in Figure 3, the service item that display shows comprises financial institution and available service, financial institution is the bank that the card user has handled medical loan project, if the card user wants to pay the fees by the medical treatment loan, needs " XX medical treatment loan " in the selection available service.Input equipment also can include only service item input media 209 in addition, can be with selecting the input authentication password by the keyboard (not shown) of service item input media 209.
Described hospital server 203 is according to the described IC social security card Information generation amount of money of paying the fees, and the amount of money of will paying the fees, IC social security card information and corresponding card reader MAC Address send to described bank server 205 by wide area network.
As shown in Figure 4, described hospital server comprises: social security card input information interface 401, authorization information output interface 402 and data-carrier store 403.
Social security card input information interface 401 is connected with described card reader by the hospital internal network, is used for receiving described IC social security card information.Authorization information output interface 402 is connected with described wide area network, is used for exporting the amount of money of paying the fees, IC social security card information and corresponding card reader MAC Address.Data-carrier store 403 is connected with described wide area network, is used for storing described diagnosis information.
The different user loan payment may be selected different banks, and above-mentioned bank server 205 is the loan payment bank corresponding with above-mentioned IC social security card information.Swipe the card POS terminal MAC Address (card reader MAC Address) and the amount of money of paying the fees of service code, authentication password, described IC social security card are as shown in table 1.
Table 1
In table 1,128 bit encryption passwords are to generate according to the authentication password that the user inputs, and verify with the service authentication password of storing with bank in subsequent operation.
Card number, authentication password and service code in the IC social security card information of 205 pairs of receptions of described bank server are verified, if the verification passes, then obtain the corresponding bank of the IC social security card medical insurance accounts information of pre-stored, according to described diagnosis information, the pay the fees amount of money and the medical insurance accounts information generation IC of bank social security card payment information authentication result, and described IC social security card payment information authentication result sent to described hospital server 203 by wide area network, the described IC social security card payment information authentication result of described hospital server 203 outputs.
As shown in Figure 4, described bank server 205 comprises: authorization information receiving interface 404, medical insurance information-storing device 405 and authentication result output interface 406.
Authorization information receiving interface 404 is connected with described wide area network, is used for receiving the amount of money of paying the fees, IC social security card information and corresponding card reader MAC Address.Medical insurance information-storing device 405 is connected with described wide area network, is used for the corresponding bank of storage IC social security card medical insurance accounts information.Authentication result output interface 406 is connected with described wide area network, is used for exporting to described hospital server according to the IC social security card payment information authentication result of described diagnosis information, the pay the fees amount of money and bank's medical insurance accounts information generation.
Described hospital server 203 will be exported by the described IC social security card of hospital internal network payment information authentication result.
Card number, authentication password and service code in the IC social security card information of 205 pairs of receptions of bank server are verified search whether there is corresponding virtual account number cipher according to card number in the table 1 and service code, and are carried out the authentication password checking.As shown in table 2.
Table 2
Social security card number in the table 1 is 5128800201871, service code is BOB1279075, whether there are corresponding social security card number 5128800201871 and service code BOB1279075 in identification authentication system 401 look-up tables 2, as can be seen from Table 2, have corresponding social security card number 5128800201871 and service code BOB1279075, and this social security card number and service code can be mapped to virtual account 9109782.Be mapped to after the virtual account 9109782, can carry out cipher authentication, be whether to have the service authentication password corresponding with 128 bit encryption passwords in the table 1 in the look-up table 2, through searching, can find out, service authentication password in the table 2 is consistent with 128 bit encryption passwords in the table 1, is F12XRU-H1QADWQ! WD* $ F3ER*+BE at this moment, has finished the authentication to the card user.
The portions of electronics case history of the permission loan of storing in the bank is as follows:
Can be found out by the electronic health record of hospital and the electronic health record of bank, bank's regulation can allow the treatment of loan payment that anticoagulant therapy is arranged, and show in card user's the electronic health record for having carried out drug therapy, using method is injection, use medicine to be warfaring, reasoning by SNOMED CT electronic health record, find that injectionAction is a kind of administrationAction, and warfarin is a kind of anticogulant, therefore can draw the conclusion that this treatment is a kind of anticoagulant therapy, comparison result is consistent, thereby passes through the authentication of loan payment medical expense.It is higher to utilize SNOMED CT electronic health record to carry out the accuracy of payment information authentication operation, and simple keyword coupling then can't be finished this authentication function.
The medical insurance accounts information comprises that the medical insurance account is taken in the recent period, expenditure and remaining sum etc., and is as shown in table 3.
Table 3
| The social security card number | The medical insurance account number | Income | Expenditure | Trade date | Remaining sum |
| 5128800201871 | 9228800800477899275 | 758 | 2011-1-1 | 3584 | |
| 5128800201871 | 9228800800477899275 | 758 | 2011-2-1 | 3845 | |
| 12040140145021 | 9228800800477899275 | 758 | 2011-3-1 | 4603 | |
| 4308277030034 | 9228800800477899275 | 758 | 2011-4-1 | 5361 | |
| 3401087908262 | 9228800800477899275 | 3764 | 2011-4-9 | 1597 | |
| 5128800201670 | 9228800800477899275 | 758 | 2011-5-1 | 2355 | |
| 5128800201871 | 9228800800477899275 | 758 | 3113 | 2011-6-1 | 3113 |
| 12040140145021 | 9228800800477899275 | 758 | 2011-7-1 | 758 | |
| 1204012355021 | 9228800800477899275 | 758 | 2011-8-1 | 1516 |
Recorded corresponding income, expenditure and the remaining sum situation of medical insurance account number in the table 3, bank server 205 can be transferred income corresponding to medical insurance account number, expenditure and remaining sum information slip from hospital's data server 203, search income, expenditure and the remaining sum situation of corresponding medical insurance account number according to holder's social security card number.Bank server 205 can be 0 by analyzing continuous 3 months medical insurance accounts income, refusal to pay authentication when expenditure surpasses a certain number (2000), remaining sum less than a certain number (500).As can be seen from Table 3, the social security card number is that 5128800201871 card user has passed through payment authentication.
Above-mentioned comparison result is consistent, and the income of medical insurance accounts information, expenditure and remaining sum are by payment authentication, and bank server 205 can generate according to income, expenditure and the balance amount information of described comparison result, the pay the fees amount of money and bank's medical insurance accounts information IC social security card payment information authentication result.
Whether IC social security card payment information authentication result can comprise authentication by information, if authentification failure, bank server 205 will be by hospital server 203 output payment information authentication failure messages to IC social security card card user.
If authentication success, IC social security card payment information authentication result also comprises the authentication information that comprises payment, loan interest rate and time limit, and bank server 205 will be according to IC social security card card user's the additional authentication success message that comprises payment, loan interest rate and time limit that generates of agreement benchmark interest rate, medical insurance risk.
Described bank server 205 sends to described hospital server 203 with described IC social security card payment information authentication result by wide area network, and the described IC social security card payment information authentication result of described hospital server 203 outputs is given described computing machine 202.
Bank server can also comprise: the MAC Address mapping device, be used for after authentication is finished, search the permission hospital code according to described virtual account, then according to searching in POS terminal MAC Address corresponding to described hospital code whether have the described POS of swiping the card terminal MAC Address, shown in table 4 and table 5.
Table 4
| Virtual account | Allow hospital code |
| 9109782 | 9785 |
| 9109782 | 2134 |
| 9109782 | 1234 |
Table 5
| Hospital code | The POS machine |
| 2134 | UIO092RS |
| 2134 | K9823TV3 |
| 2134 | EA89KYUP |
| 2134 | L98HBMO1 |
| 2134 | K98J782Q |
Can be found according to virtual account the hospital code of permission by table 4, code 2134 in the table 4 represents the swipe the card code of hospital of card user, it is identical with EA89KYUP in the table 1 to search the POS terminal MAC Address of whether swiping the card according to this code in table 5, through searching as can be known, table 1 is identical with the POS terminal MAC Address of swiping the card in the table 5.
Preferably, described bank server can also comprise: the basic credit line authenticate device, the age, income and sick kind that are used for according to the card user judge whether the medical treatment loan reaches age, income and sick each self-corresponding basic credit line of planting.Age, income and sick kind are as shown in table 6.
Table 6
| Type | Value | Limit | The money of having issued the loan |
| Age | 0～18 | 0 | 0 |
| Age | 18～35 | 3000000 | 2450030 |
| Age | 35～50 | 4000000 | 239000 |
| Age | 50～ | 100000 | 0 |
| Income | 0～1000 | 0 | 0 |
| Income | 1000～4000 | 3000000 | 3100000 |
| The sick kind | Ophthalmology | 3000000 | 3000 |
| The sick kind | Alimentary canal | 3200000 | 230000 |
| The sick kind | Other | 3000000 | 3100000 |
In table 6, set different overall loan limits for different customers respectively, the basic credit line judgment means judges according to information such as age of the information in the table 6 and card user, income, sick kinds whether the card user can provide a loan, if card user's age is 28, income is 2000 yuan, the sick kind belongs to disease of digestive tract, described age of this card user, income, sick kind scope all do not exceed basic credit line so, and then this user's payment authentication passes through.
Preferably, IC social security card payment information Verification System can also comprise: bank preposing server 204 and insurance company server 207.Bank preposing server 204 is connected with described hospital server and insurance company server respectively by wide area network, and connects described bank server by LAN (Local Area Network).Insurance company server 207 is connected with described bank server 205 by wide area network, is used for sending health insurance data corresponding to described IC social security card to described bank server 205.
Bank preposing server 204, to the pay the fees amount of money, IC social security card information and corresponding card reader MAC Address of described hospital server sends to described bank preposing server by wide area network, and 204 pairs of amount of money of paying the fees of described bank preposing server, IC social security card information and corresponding card reader MAC Address carry out sending to described bank server 205 by LAN (Local Area Network) after the format conversion.
As shown in Figure 5, described bank preposing server 204 can comprise: data receiver interface 501, format converting module 502 and data output interface 503.
As shown in Figure 5, insurance company server 207 can comprise: data-carrier store 504, be connected with described wide area network, and be used for storage health insurance data; Health insurance data output interface 505 is connected with described wide area network, is used for the health insurance data of described data-carrier store storage are exported to described bank server.
Described bank server 205 generates IC social security card payment information authentication result according to described diagnosis information, the amount of money of paying the fees, bank's medical insurance accounts information and health insurance data.Described banking system server 205 can judge whether the card user exists health insurance according to described virtual account, if exist, generates health insurance guarantee add on rate according to amount for which loss settled and the amount of money of paying the fees, to calculate loan interest rate.A lot of patients have added health insurance, and the patient for adding health insurance can give according to the number of health insurance certain interest and slow down, and health insurance information is as shown in table 7.
Table 7
| Virtual account | Health insurance contract account | Amount for which loss settled | Premium is paid state | Applicable sick the kind |
| 7429015 | 749012 | 10000 | Arrearage | Ophthalmology |
| 9109782 | 749013 | 20000 | Normally | Gastroenterology dept. |
| 3714620 | 749014 | 10000 | Normally | Ophthalmology |
| 4901274 | 749015 | 30000 | Normally | Paediatrics |
| 3714677 | 749016 | 40000 | Normally | Ophthalmology |
| 3714521 | 749017 | 758 | Normally | Gastroenterology dept. |
| 7429015 | 749018 | 758 | Arrearage | Division of respiratory disease |
| 3714620 | 749019 | 758 | Arrearage | Gastroenterology dept. |
| 4901274 | 749020 | 758 | Normally | Gastroenterology dept. |
As shown in table 7, virtual account is that 9109782 card user's amount for which loss settled are 20000, and premium is paid state for normal, and the Claims Resolution of this card user's health insurance can be contained this loan expenditure as can be known.The rate of cutting rates that this card user can obtain is 20000/25000=0.8.Bank server 205 will assure that additional (0.8) generation comprises the authentication information in payment, loan interest rate and time limit and sends to described social security card reading terminals according to the additional health insurance that reaches of card user's agreement benchmark interest rate, medical insurance risk.Agreement benchmark interest rate, the additional health insurance that reaches of medical insurance risk assure that additional price catalog is as shown in table 8.
Table 8
The interest rate of price catalog mapping is: 6.3* ((1.2-1)+(1-1)+(0.8-1)+1)=6.3*1=6.3, so loan interest rate is 6.3.If the card user does not add health insurance, although perhaps added health insurance, but owing to be in the arrearage state of table 7 so that the health insurance Claims Resolution can not be contained this loan expenditure, loan interest rate is 6.3* ((1.2-1)+(1-1)+1)=6.3*1.2=7.56 so.
As shown in Figure 6, the utility model provides a kind of IC social security card payment information authentication method, and the method comprises the steps:
Step S601: adopt card reader to read the IC social security card information that comprises card number, authentication password, service code and diagnosis information in the IC social security card, and described IC social security card information exchange is crossed the hospital internal network send to hospital server.
Step S602: described hospital server is according to the described IC social security card Information generation amount of money of paying the fees, and the amount of money of will paying the fees, IC social security card information and corresponding card reader MAC Address send to bank server by wide area network.
Step S603: described bank server is verified card number, authentication password and service code in the IC social security card information that receives, if the verification passes, then obtain the corresponding bank of the IC social security card medical insurance accounts information of pre-stored, and according to described diagnosis information, the pay the fees amount of money and the medical insurance accounts information generation IC of bank social security card payment information authentication result.
Search whether there is corresponding virtual account number cipher according to card number in the table 1 and service code.If have corresponding virtual account number cipher, just can carry out the authentication verification password.Social security card number in the table 1 is 5128800201871, service code is BOB1279075, whether there are corresponding social security card number 5128800201871 and service code BOB1279075 in the look-up table 2, as can be seen from Table 2, have corresponding social security card number 5128800201871 and service code BOB1279075, and this social security card number and service code can be mapped to virtual account 9109782.Be mapped to after the virtual account 9109782, can carry out cipher authentication, be whether to have the service authentication password corresponding with 128 bit encryption passwords in the table 1 in the look-up table 2, through searching, can find out, service authentication password in the table 2 is consistent with 128 bit encryption passwords in the table 1, is F12XRU-H1QADWQ! WD* $ F3ER*+BE at this moment, has finished the authentication to the card user.
Described bank server obtains the diagnosis and treatment data that loan is paid from described hospital data server, and judges whether to allow loan payment according to described diagnosis and treatment data.Stored all patients' of this hospital electronic health record in the server of hospital, for example the electronic health record of this holder's SNOMED CT is as follows:
The portions of electronics case history of the permission loan of storing in the bank is as follows:
Can be found out by the electronic health record of hospital and the electronic health record of bank, bank's regulation can allow the treatment of loan payment that anticoagulant therapy is arranged, and show in card user's the electronic health record for having carried out drug therapy, using method is injection, use medicine to be warfaring, by the reasoning of SNOMED CT electronic health record, can draw the conclusion that this treatment is a kind of anticoagulant therapy, comparison result is consistent, thereby passes through the authentication of loan payment medical expense.It is higher to utilize SNOMED CT electronic health record to carry out the accuracy of payment information authentication operation, and simple keyword coupling then can't be finished this authentication function.
If passed through the diagnosis and treatment authentification of message, also to recent income, expenditure and the remaining sum of card user's medical insurance bankbook be authenticated.Described bank server is transferred income corresponding to medical insurance account number, expenditure and remaining sum information slip from hospital's data server 203, search income, expenditure and the remaining sum situation of corresponding medical insurance account number according to holder's social security card number.Can set when continuous 3 months medical insurance accounts income is 0, the refusal request of paying the fees of providing a loan when expenditure surpasses a certain number (suppose 2000), remaining sum less than a certain number (500).As can be seen from Table 3, the social security card number is that 5128800201871 card user has passed through the authentication of medical insurance account.
IC social security card payment information authentication result can comprise: whether allow loan payment, according to IC social security card card user's the additional authentication information that comprises payment, loan interest rate and time limit that generates of agreement benchmark interest rate, medical insurance risk.After IC social security card card user satisfied the condition of loan payment, described bank server was according to the additional authentication information that comprises payment, loan interest rate and time limit that generates of card user's agreement benchmark interest rate, medical insurance risk.
Step S604: bank server sends to described hospital server with described IC social security card payment information authentication result by wide area network.
Step S605: described hospital server is exported described IC social security card payment information authentication result.
No matter whether the card user authenticates by loan payment, described bank server 205 all needs described IC social security card payment information authentication result is sent to described hospital server 203 by wide area network, and the described IC social security card payment information authentication result of described hospital server 205 outputs is to computing machine 202.
As shown in Figure 2, when obtaining service code information, need to receive Bank Name and the medical financial service of card user's input, generate service code information according to described Bank Name and medical financial service.The card user is by cipher small keyboard 208 input authentication passwords, and by service item input media 209 Bank Names and medical financial service, computing machine 202 generates service code information according to described Bank Name and medical financial service.Service item input media 209 comprises a display, to show that service item is for user selection.As shown in Figure 3, the service item that display shows comprises financial institution and available service, financial institution is the bank that the card user has handled medical loan project, if the card user wants to pay the fees by the medical treatment loan, needs " XX medical treatment loan " in the selection available service.Input equipment also can include only service item input media 209 in addition, by the available selection input authentication of keyboard (not showing among Fig. 2) password of service item input media 209.
After the authentication verification password, described method also comprises: search the permission hospital code according to described virtual account, then according to searching in POS terminal MAC Address corresponding to described hospital code whether have the described POS of swiping the card terminal MAC Address.Can be found according to virtual account the hospital code of permission by table 4, code 2134 in the table 4 represents the swipe the card code of hospital of card user, it is identical with EA89KYUP in the table 1 to search the POS terminal MAC Address of whether swiping the card according to this code in table 5, through searching as can be known, table 1 is identical with the POS terminal MAC Address of swiping the card in the table 5.
Described bank server according to card user's agreement benchmark interest rate, medical insurance risk additional generate comprise the authentication information in payment, loan interest rate and time limit before, described method also comprises: whether age, income and the sick authentication of medical loan application of planting according to the card user reach age, income and sick each self-corresponding basic credit line of planting.Judge according to information such as age of the information in the table 6 and card user, income, sick kinds whether the card user can provide a loan, if card user's age is 28, income is 2000 yuan, the sick kind belongs to disease of digestive tract, described age of this card user, income, sick kind scope all do not exceed basic credit line so, this user's payment authentication success.
Described bank server according to card user's agreement benchmark interest rate, medical insurance risk additional generate comprise the authentication information in payment, loan interest rate and time limit before, described method also comprises: judge according to described virtual account whether the card user exists health insurance; If exist, generate health insurance guarantee add on rate according to amount for which loss settled and the amount of money of paying the fees, to calculate loan interest rate.
A lot of patients have added health insurance, and the patient for adding health insurance can give according to the number of health insurance certain interest and slow down.
In table 7, virtual account is that 9109782 card user's amount for which loss settled are 20000, and premium is paid state for normal, and the Claims Resolution of this card user's health insurance can be contained this loan expenditure as can be known.The rate of cutting rates that this card user can obtain is 20000/25000=0.8.Described bank server assures that according to the additional health insurance that reaches of card user's agreement benchmark interest rate, medical insurance risk additional the generation comprises the authentication information in payment, loan interest rate and time limit and send to described social security card reading terminals.Agreement benchmark interest rate, the additional health insurance that reaches of medical insurance risk assure that additional price catalog is as shown in table 8.
The interest rate of price catalog mapping is: 6.3* ((1.2-1)+(1-1)+(0.8-1)+1)=6.3*1=6.3, so loan interest rate is 6.3.If the card user does not add health insurance, although perhaps added health insurance, but owing to be in the arrearage state of table 7 so that the health insurance Claims Resolution can not be contained this loan expenditure, loan interest rate is 6.3* ((1.2-1)+(1-1)+1)=6.3*1.2=7.56 so.
The beneficial effect of the utility model embodiment is, the beneficial effects of the utility model are, the data that IC social security card payment information authentication method of the present utility model and system can be fast preserve hospital, bank, insurance be processed, realize IC social security card medical treatment credit information fast, accurately, authentication operation timely.
Above-described specific embodiment; the purpose of this utility model, technical scheme and beneficial effect are further described; institute is understood that; the above only is specific embodiment of the utility model; and be not used in and limit protection domain of the present utility model; all within spirit of the present utility model and principle, any modification of making, be equal to replacement, improvement etc., all should be included within the protection domain of the present utility model.
Claims (4)
1. IC social security card payment information Verification System, it is characterized in that, described system comprises: card reader, hospital server and bank server, described card reader is connected with described hospital server by the hospital internal network, described hospital server is connected with described bank server by wide area network, wherein
Described card reader is used for reading the IC social security card information that comprises card number, authentication password, service code and diagnosis information of IC social security card, and described IC social security card information exchange is crossed the hospital internal network sends to described hospital server;
Described hospital server comprises:
Social security card input information interface is connected with described card reader by the hospital internal network, is used for receiving described IC social security card information;
The authorization information output interface is connected with described wide area network, is used for exporting the amount of money of paying the fees, IC social security card information and corresponding card reader MAC Address;
Data-carrier store is connected with described wide area network, is used for storing described diagnosis information;
Described bank server comprises:
The authorization information receiving interface is connected with described wide area network, is used for receiving the amount of money of paying the fees, IC social security card information and corresponding card reader MAC Address;
The medical insurance information-storing device is connected with described wide area network, is used for the corresponding bank of storage IC social security card medical insurance accounts information;
The authentication result output interface is connected with described wide area network, is used for exporting to described hospital server according to the IC social security card payment information authentication result of described diagnosis information, the pay the fees amount of money and bank's medical insurance accounts information generation;
Described hospital server is exported described IC social security card payment information authentication result.
2. IC social security card payment information Verification System as claimed in claim 1 is characterized in that described system also comprises:
Insurance company server connects described bank server by wide area network, and described insurance company server comprises:
Data-carrier store is connected with described wide area network, is used for storage health insurance data;
The health insurance data output interface is connected with described wide area network, is used for the health insurance data of described data-carrier store storage are exported to described bank server.
3. IC social security card payment information Verification System as claimed in claim 2 is characterized in that described system also comprises:
The bank preposing server is connected with described hospital server and insurance company server respectively by wide area network, and connects described bank server by LAN (Local Area Network), and described bank preposing server comprises:
The data receiver interface is connected with described wide area network, be used for to receive the data of sending from described hospital server and insurance company server;
Data output interface is connected with described LAN (Local Area Network).
4. IC social security card payment information Verification System as claimed in claim 1 is characterized in that described system also comprises:
Cipher small keyboard: be connected with described card reader, be used for the authentication password of input IC social security card;
The service item input media is connected with described card reader, is used for input Bank Name and medical financial service;
Computing machine is connected with described card reader, is used for producing service code information according to described Bank Name and medical financial service.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201120407638 CN202694414U (en) | 2011-10-24 | 2011-10-24 | System for authenticating payment information of IC social security card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201120407638 CN202694414U (en) | 2011-10-24 | 2011-10-24 | System for authenticating payment information of IC social security card |
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| Publication Number | Publication Date |
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| CN202694414U true CN202694414U (en) | 2013-01-23 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 201120407638 Expired - Lifetime CN202694414U (en) | 2011-10-24 | 2011-10-24 | System for authenticating payment information of IC social security card |
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| CN (1) | CN202694414U (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106023433A (en) * | 2016-05-11 | 2016-10-12 | 广州海鹚网络科技有限公司 | IC card applied on-line payment terminal and payment method thereof |
| CN107330700A (en) * | 2017-07-04 | 2017-11-07 | 易联众信息技术股份有限公司 | A kind of card security certification payment system |
-
2011
- 2011-10-24 CN CN 201120407638 patent/CN202694414U/en not_active Expired - Lifetime
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106023433A (en) * | 2016-05-11 | 2016-10-12 | 广州海鹚网络科技有限公司 | IC card applied on-line payment terminal and payment method thereof |
| CN107330700A (en) * | 2017-07-04 | 2017-11-07 | 易联众信息技术股份有限公司 | A kind of card security certification payment system |
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