JP2003076866A - Medical payment settlement device coupled to financial institution activities - Google Patents

Abstract

PROBLEM TO BE SOLVED: To achieve a device that is easy to use for a user side and is advantageous for a medical institution side. SOLUTION: An extension part 200, for settling medical payment, in the medical institution and a basic part, for conducting money received/paid transaction, in the financial institution 401 are integrally organized. The extension part 200, if it receives a medical payment settlement instruction from the user, acquires medical data from a medical account host 501 and sends it to the basic part 100. The basic part 100, on the basis of the medical payment data, performs paying-in processing of the medical payment for the account of the medical institution that has been previously set up in the financial institution 401.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial institution business-linked medical expense reimbursement apparatus integrally provided with a basic unit for performing business of financial institutions and an expansion unit for performing reimbursement of medical expenses.

[0002]

2. Description of the Related Art Today, in medical institutions such as hospitals,
A medical care terminal has been introduced that allows a user such as a patient to operate to settle the medical care cost. The medical fee terminal is a terminal that automatically performs a settlement operation performed at the accounting window of a medical institution by the user. A medical institution side purchased such a medical expense terminal, and the medical institution side performed cash management operations such as loading and scrutiny of cash.

[0003]

However, in the above-mentioned conventional medical care expense terminal, although the medical care expense can be automatically settled, all management such as cash management work is performed by the medical institution side, so that the management work is new. It was a burden on the medical institution side. In addition, since an expensive medical expense terminal must be purchased at the medical institution side, it has been an obstacle to the introduction in small hospitals. In addition, even if the user does not have cash at the medical expense terminal at the time of settlement, it is necessary to withdraw the cash with an automatic transaction device and deposit the cash into the medical expense terminal. In recent years, there are cases where an automatic transaction device is installed in a hospital, but even in such a case, the processing of withdrawing cash from the automatic transaction device and depositing money to the medical care terminal is the same. However, it was not easy for users to use the medical care fee terminal. As a result, there has been a problem that the utilization rate of the medical expense terminal does not increase and the burden of the accounting window in the medical institution cannot be reduced.

[0004]

The present invention adopts the following constitution in order to solve the above-mentioned problems. <Structure 1> A medical institution-related medical expenses consisting of an expansion unit for settlement of medical expenses at medical institutions and a basic unit for performing deposit / withdrawal transactions at financial institutions. In the settlement device, the expansion unit, when receiving the instruction to settle the medical expenses, acquires the medical expenses settlement data from the medical accounting host that manages the medical expenses and sends the data to the basic unit. A medical institution business-linked medical expense reimbursement device, characterized in that it is configured to perform a medical treatment deposit process to an account of a medical institution provided in advance in a financial institution based on expense reimbursement data.

<Structure 2> An extension part connected to a medical accounting host for accounting management of medical expenses in a medical institution and settling medical expenses, and a basic part connected to a network of financial institutions to perform deposit / withdrawal transactions. A financial institution business-linked medical expense reimbursement device that is configured integrally with the extension unit and the basic unit, wherein the extension unit, when receiving a medical expense reimbursement instruction,
A signal indicating that there is access is sent to the basic unit, then the medical expense accounting data is acquired from the medical accounting host, sent to the basic unit, and then the extended unit control unit that disables the extended unit is set. The basic unit disables the basic unit when it receives a signal indicating that there is access from the expansion unit, and then receives the medical care data from the expansion unit, and then performs the deposit operation related to the medical care data. A financial institution business-linked medical expense reimbursement characterized by having a basic control unit for accepting and processing the payment of medical expenses to an account of a medical institution provided in advance at a financial institution based on this deposit operation. apparatus.

<Structure 3> In the medical institution operation-linked medical expenses settlement apparatus according to the constitution 1 or 2, when the expansion unit receives a medical expenses settlement instruction by debit payment, the medical accounting performs medical treatment accounting management. A financial institution business interlocking type characterized in that it is configured to acquire medical care payment data from a host and perform debit payment processing to an account of a medical institution that has been set up in advance at a financial institution based on the medical care payment data. Medical expense settlement device.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described in detail below with reference to specific examples. << Specific Example 1 >><Configuration> FIG. 1 is a configuration diagram showing a specific example 1 of the financial institution business-linked medical expenses settlement apparatus of the present invention. FIG. 2 is an external view of a financial institution business-linked medical expense settlement apparatus.

In the devices shown in these figures, a basic unit 100 and an expansion unit 200 are integrally formed, and a LAN 300
Connected by. The basic unit 100 has a function as an ATM (automatic transaction device), and has a display / touch panel 101, a card reader 102, a receipt printer 103, a keyboard 104, a coin processing unit 105, a coin slot 106, a coin outlet 107, Banknote processing unit 10
8, a bill insertion / ejection port 109, and a basic unit control unit 110.

The display / touch panel 101 is a liquid crystal display and a touch panel provided on the upper surface of the display. The display / touch panel 101 is used for displaying information necessary for executing transactions with a host computer of a financial institution and for accepting user's operations. It is a functional part. The card reader 102 is a functional unit for reading information on a card such as a cash card inserted by the user. The receipt printer 103 is a processing unit for printing and issuing transaction records (for example, records of deposits, payments, transfers, etc.) with financial institutions. The keyboard 104 includes keys such as a numeric keypad, a confirmation key, a cancel key, and a correction key, and is used to input information such as a personal identification number and an amount of money.

The coin processing unit 105 has a coin storage unit (not shown), receives coins inserted by the user, stores them in the coin storage unit, and withdraws the stored coins. It is a functional unit that performs. The coin insertion slot 106 is an insertion slot for the user to insert coins processed by the coin processing unit 105. Coin outlet 10
Reference numeral 7 is an outlet for dispensing coins processed by the coin processing unit 105 to the user. Banknote processing unit 1
Reference numeral 08 is a functional unit that has a banknote storage unit (not shown), receives banknotes inserted by the user, stores the banknotes in the banknote storage unit, and performs processing for dispensing the stored banknotes. . The banknote insertion / ejection port 109 is an insertion / ejection port for receiving banknotes from the user and ejecting the banknote processed by the banknote processing unit 108 to the user.

The basic unit control unit 110 is a functional unit that controls each unit as the basic unit 100, and is realized by hardware such as a CPU and a storage device and various software to be executed by the CPU. Is. When the basic unit control unit 110 receives a signal indicating that there is an access from the expansion unit control unit 205, which will be described later, via the LAN 300, the basic unit control unit 110 sets the basic unit 100 to the inoperable state, and thereafter,
When the medical expenses data is received from the expansion unit control unit 205, a deposit operation relating to the medical expenses data is accepted, and a financial institution 401 provided in advance based on the deposit operation.
It has the function of depositing medical expenses to the account of the medical institution.

The basic unit 100 is connected to a financial institution 401 and a security company 402 via a public line 400. The public line 400 is a digital network such as ISDN, for example, but it is a network for connecting to the financial institution 401 and the security company 402, and its transmission medium and protocol are not particularly limited. The financial institution 401 is, for example, a bank, and the financial institution 401 has an account of a medical institution that setstles medical expenses with this device. The security company 402
It has a function to monitor this device and manage cash filling and failure recovery.

The expansion unit 200 is a functional unit for paying medical fees in a medical institution, and has a display / touch panel 201, a card reader 202, and a receipt printer 20.
3, a keyboard 204, an extension control unit 205, and an image reader 206. Display / touch panel 2
01 is a display / touch panel 1 of the basic unit 100
Similar to 01, it is composed of a liquid crystal display and a touch panel provided on the upper surface of the liquid crystal display, and is a functional unit for displaying various kinds of information related to medical treatment payment to a user who performs medical treatment payment and accepting user's operation. Is. The card reader 202 is a functional unit for reading information on a card in which identification information of a user who pays medical expenses such as a medical examination card inserted by the user is recorded. Receipt printer 20
Reference numeral 3 denotes a processing unit for printing and issuing a record of medical expense settlement.

The expansion unit control unit 205 is a functional unit that controls the respective units as the expansion unit 200, and is realized by hardware such as a CPU and a storage device and various software to be executed by the CPU. This extension control unit 2
05 is connected to the medical accounting host 501 via the in-hospital network 500, acquires medical care data from the medical accounting host 501 based on the user's input of identification information to the card reader 202, and pays the medical expenses from the user. When there is an instruction, it has a function of sending this to the basic unit control unit 110 of the basic unit 100. The image reader 206 is a processing unit for reading a form and sending it as image data to the expansion unit control unit 205. The in-hospital network 500 is a LAN in the hospital, and the medical accounting host 50
1 and this device are mutually connected. Further, the medical accounting host 501 is a host for accounting management of medical expenses of each patient.

In the apparatus configured as described above, the cash for change payment for medical expenses and the cash for financial institution business are all owned by the financial institution 401, and the cash management business such as loading and scrutiny of cash is performed. All security companies 402
Outsource. This reduces the management burden on the medical institution side. Further, the cash paid by the medical treatment fee settlement is treated as a cash transfer from the user to the medical institution account in the financial institution 401 because the cash management work is performed by the financial institution 401 via the security company 402.

<Operation> First, the operation when the user pays the medical expenses by cash will be described. 3 and 4 show
It is explanatory drawing which shows the medical treatment expense settlement operation by the cash of the specific example 1. FIG. In each drawing, (a) shows the display screens of the basic unit 100 and the expansion unit 200, and (b) shows the basic unit 10.
0 and the sequence of the extension unit 200 are shown. First, on each of the display / touch panels 101 and 201 of the basic unit 100 / expansion unit 200, as shown in (a), the basic unit 100 displays that transactions such as deposit, withdrawal, and balance inquiry can be selected. It is displayed that the expansion unit 200 can perform processing such as settlement of inpatient medical expenses and settlement of outpatient medical expenses.

In such a state, when the user pays the medical expenses, the user presses the corresponding button (step S1). When the user presses the medical expense payment button on the expansion unit 200, the expansion unit 200 displays a message such as “Please insert a medical examination ticket” on the display / touch panel 201. Further, the extension control unit 205
Sends a signal indicating "accessed" to the basic unit 100 (step S2). As a result, the basic unit control unit 110 sends a signal indicating the transfer of control right to the expansion unit 200 (step S3), and locks the screen to make it inoperable (step S4).

In the expansion section 200, when the user inserts into the card reader 202 a card such as a medical ticket with a magnetic stripe, which can identify the patient to be settled, the card reader 202 reads the ID information of the patient and the information is read. To the extension control unit 205. Expansion unit control unit 205
Then, using this ID information as a key, the medical accounting host 501
Obtain the settlement data of the patient from (step S
5). Note that the medical bill accounting process in the medical accounting host 501 is not directly related to this specific example, and therefore its description is omitted here.

Upon obtaining the payment data of the patient, the expansion control unit 205 displays the payment amount on the display / touch panel 201 (step S6). When the user sees this display content and presses the confirmation button (step S7), the extension control unit 205 sends a signal indicating the transfer of control right to the basic unit 100 (step S8), and at the same time, on the display / touch panel 201. Lock the screen while displaying a message such as "Please operate according to the screen on the right", and disable the operation (step S
9). From this point onward, the user can use the extension unit 200 to the basic unit 10
Move the operation to 0.

In the basic unit 100, the basic unit control unit 110
The display / touch panel 101 displays a message such as “Please check the billed amount and put cash”. When the user inserts cash from the coin insertion slot 106 or the bill insertion / ejection slot 109 and presses the confirmation button (step S10), the expansion unit control unit 205, if there is change, the coin processing unit 105 or the bill. Processing unit 10
8 is instructed to prepare change, and a transfer confirmation note is printed by the receipt printer 103, and these are ejected. At the same time, the display / touch panel 101 displays a message such as "please receive change and confirmation of transfer". Further, a series of transactions for these transfer processes are transmitted (step S11). This transaction is sent to the financial institution 401 via the security company 402. After that, the basic part control part 110 transmits the signal indicating the transfer of control right to the extension part 200 after the transfer process is completed (step S12) and displays a message such as "Please operate according to the screen on the left side". The screen is locked by and the operation is disabled (step S13).

When the extension unit 200 receives a signal indicating that the transfer process is completed, it prints a receipt from the receipt printer 203 and ejects it, and at the display / touch panel 201, "please receive the medical examination ticket and receipt." Is displayed, and the transaction result is transmitted to the medical accounting host 501 (step S1).
4).

After that, the expansion unit control unit 205 transmits a signal indicating the end of the transaction to the basic unit control unit 110 (step S15). Thereby, the basic unit 100 and the expansion unit 20
0 becomes an idle state (step S16). That is, it returns to the initial screen display state.

Next, the operation when the user pays the medical expenses with a cash card will be described. FIG. 5 is an explanatory diagram showing a medical expense settlement operation using a cash card.
In each figure, (a) shows the display screens of the basic unit 100 and the expansion unit 200, and (b) shows the sequence of the basic unit 100 and the expansion unit 200. Since the operation up to step S9 (including the operation shown in FIG. 3) is the same as the above-described operation for settlement of medical expenses by cash, its illustration and description are omitted.

In step S8, the control right is extended 2
00 to the basic unit 100, the basic unit control unit 11
0 displays a message on the display / touch panel 101, such as "Please check the billing amount and insert the cash card", and the card reader 10
According to 2, the cash card inserted by the user is read (step S10a). In addition, after the control right is transferred to the basic unit 100, actually, including the case of performing the above-mentioned cash medical expense settlement, a selection operation of cash or cash card medical expense settlement is performed. Will be omitted.

Next, the basic control unit 110 causes the display / touch panel 101 to display a message such as "Please input the password", and the user inputs the password from the keyboard 104 (step S11a). When confirming the validity of the personal identification number, the basic control unit 110 prints a transfer confirmation note on the receipt printer 103, ejects it, and ejects the cash card. In addition, a message such as “please receive cash card and confirmation of transfer” is displayed on the display / touch panel 101. Further, a series of transactions for these transfer processes are transmitted (step S12).
a). This transaction is sent to the financial institution 401 via the security company 402. Subsequent operations (steps S13a to S17a) are the same as steps S12 to S16 of the above-mentioned cash-based medical expense settlement, and therefore description thereof will be omitted.

<Effect> As described above, according to the first specific example,
It is a financial institution business-linked medical expense reimbursement device in which a basic unit and an extension unit are integrally configured, and when there is a medical expense reimbursement instruction, medical expense data is acquired from the medical accounting host 501,
The processing of the financial institution with the expansion unit 200 that sends this to the basic unit 100 is performed, and the transfer processing is performed to the account of the medical institution that is provided in advance in the financial institution 401 based on the medical expenses data sent from the expansion unit 200. Since the basic unit 100 for performing the above is integrally provided, the following effects can be obtained.

● It is possible to perform medical expense settlement work and financial institution work with one device, and when an ATM outside the store of the financial institution is installed in the hospital, that ATM becomes unnecessary. ● In the case of a medical institution that does not have an ATM outside the store,
At the same time as the payment terminal is introduced, it is possible to install an ATM outside the store.

Further, since the cash management business is managed by the financial institution 401 outsourced to the security company 402, the following effects can be obtained. ● There is no need for medical institutions to load cash or maintain equipment, and the burden of operating equipment can be greatly reduced. ● It is possible to reduce the handling cost of cash on the medical institution side. ● By increasing the payment of medical expenses using this device, the burden on the accounting counter will be reduced, and as a result, the number of accounting counter personnel will be reduced.

Furthermore, this device is an ATM with a medical expense settlement function.
Since it can be considered as a device owned by a financial institution, the medical institution side can install a medical expense settlement terminal (+ ATM outside the store) at a low price.
That is, as compared to the conventional medical institution side purchasing the medical expenses settlement terminal, the financial institution side installs the device, which can eliminate the financial burden on the medical institution side. .

Further, since the settlement of the medical expenses can be done by the cash card, the following effects can be obtained. ● The user does not need to prepare cash, and the operation is easy. ● Since the amount of cash handled decreases, the cash handling cost at the security company 402 can be reduced.

<Specific Example 2> In the specific example 2, the medical expenses are settled by debit settlement.

<Structure> FIG. 6 is a block diagram of a medical institution business-linked medical expenses settlement apparatus according to the second embodiment. The device shown in the figure comprises a basic unit 100 and an expansion unit 200a.
Example 1 except that 00a is connected to the public line 400 and that a debit relay center 403 is provided
Since the configuration is the same as that of 1.

Extension control section 205a of extension section 200a
In addition to the function of the specific example 1, when receiving a medical bill settlement instruction by debit payment, the medical bill settlement data is acquired from the medical accounting host 501, and the financial institution 401 is notified in advance based on the medical bill settlement data. It has the function of performing debit payment processing to the account of the established medical institution.
The extension control unit 205a is configured to transmit transaction data by the debit card using the ISDN B channel, for example. In addition, the debit relay center 40
Reference numeral 3 is a center that relays the debit transaction data with the financial institution 401 when the debit transaction data is transmitted from the extension control unit 205a.

<Operation> FIG. 7 and FIG. 8 are explanatory views showing the medical expense settlement operation of the second specific example. Here, in FIG. 7, the operation up to step S7 and the display screen are the same as those in FIG. 3, and therefore the description thereof is omitted here. However, in the specific example 1, in step S7, the extension unit 200 sends a signal indicating the transfer of control right to the basic unit 100, and thereby the control right is transferred to the basic unit 100. The difference is that the control right transfer signal is not transmitted from the control unit 100 and the operation disabled state continues in the basic unit 100. That is, in this specific example, all the adjustment operations are performed by the extension unit 20.
0a.

In step S7, when the confirmation button is pressed on the expansion unit 200a, the expansion unit control unit 205
A displays a message such as "Please pass the cash card to the card reader" on the display / touch panel 201. As a result, when the user passes the cash card through the card reader 202, the card reader 202 reads the magnetic stripe information of the cash card (step S8b). Next, the extension control unit 205a
Causes the display / touch panel 201 to display a message "Please enter your PIN", and the user inputs the PIN from the keyboard 204 (step S9).
b). When the extension control unit 205a confirms the validity of the personal identification number, the extension control unit 205a transmits a series of transactions for the transfer process by the debit card via the public line 400 (step S10b).

This transaction is transmitted to the financial institution 401 via the debit relay center 403.
Since this debit settlement process is a known process, the description thereof is omitted here. Also, step S10
In b, the expansion unit control unit 205a prints a receipt with the receipt printer 203, ejects it together with a cash card or a medical examination ticket, and displays the receipt / touch panel 20.
Display a message such as "Please receive the medical examination ticket and receipt" in 1. Then, the series of transaction results is transmitted to the medical accounting host 501.

Thereafter, the expansion unit control unit 205a sends a signal indicating the end of the transaction to the basic unit control unit 110, as in the case of the payment of medical expenses by cash or cash card described above.
To (step S11b). This allows the basic unit 1
00 and the extension unit 200a enter an idle state (step S12b).

<Effect> As described above, according to the second specific example, in addition to the first specific example, the debit settlement process is performed by the expansion unit 200, so that the operation for paying the medical expenses is performed by the expansion unit 20.
Since only 0 is required, it is possible to realize a device that is easier for the user to operate.

[Brief description of drawings]

FIG. 1 is a configuration diagram showing a specific example 1 of a medical institution business-linked medical expenses settlement apparatus of the present invention.

FIG. 2 is an external view of a medical institution business-linked medical expense settlement apparatus according to the present invention.

FIG. 3 is an explanatory diagram (No. 1) showing a cash medical treatment expense settlement operation of the first specific example.

FIG. 4 is an explanatory view (No. 2) showing the medical expense settlement operation using cash in the first specific example.

FIG. 5 is an explanatory diagram showing a medical expense settlement operation by the cash card of the first specific example.

FIG. 6 is a configuration diagram of a medical institution business-linked medical expense settlement apparatus according to a second specific example.

FIG. 7 is an explanatory diagram (Part 1) of the medical expense settlement operation of the second specific example.

FIG. 8 is an explanatory diagram (part 2) of the medical expense settlement operation of the second specific example.

[Explanation of symbols]

100 basic parts 110 Basic control unit 200, 200a Extension 205, 205a Extension unit control unit 401 financial institution 501 Medical Accounting Host

Claims (3)

[Claims] 1. An expansion unit for settlement of medical expenses at a medical institution, and a basic unit for performing deposit / withdrawal transactions at a financial institution,
A financial institution business-linked medical expense reimbursement device in which the extension unit and the basic unit are integrally configured, wherein the extension unit, when a medical expense reimbursement instruction is received, performs medical account accounting host management of the medical expense. From the medical expenses settlement data is sent to the basic unit, the basic unit, based on the medical expenses settlement data, the medical expenses to the account of the medical institution provided in advance in the financial institution A medical expenses settlement device linked to financial institution operations, which is configured to perform deposit processing. 2. An extension unit connected to a medical accounting host for accounting management of medical expenses in a medical institution and settling the medical expenses, and a basic unit connected to a network of financial institutions to perform deposit / withdrawal transactions. A financial institution business-linked medical expense reimbursement device in which the extension unit and the basic unit are integrally configured, and when the extension unit receives a medical expense reimbursement instruction, the extension unit has access to the basic unit. Send out the signal
After the medical expense settlement data is obtained from the medical accounting host and sent to the basic unit, the extended unit is provided with an expansion unit control unit that disables the operation, and the basic unit accesses from the expansion unit. When a signal indicating that there is is received, the basic part is made inoperable, and when the medical expenses data is received from the extension part after that, a deposit operation regarding the medical expenses data is accepted, and based on this deposit operation. A financial institution business-linked medical expense reimbursement device, comprising: a basic unit control unit that performs a payment process of the medical expense to an account of the medical institution provided in advance in the financial institution. 3. The financial institution business-linked medical expense reimbursement apparatus according to claim 1 or 2, wherein when the expansion unit receives a medical expense reimbursement instruction by debit payment, the medical treatment accounting manages the medical expense. The financial institution business interlocking system is characterized in that it is configured to obtain medical care expense settlement data from a host and perform debit settlement processing to an account of a medical institution previously provided in the financial institution based on the medical treatment expense settlement data. Type medical expenses settlement device.