JP2008269191A - Medical expense payment system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve the waiting time required for medical expense payment after medical examination by moderating the labor hour required for medical expense payment. <P>SOLUTION: In the medical expense payment system including a management server for jointly managing medical expenses, the management server includes a charge information database for recording medical expense information containing a medical expense of a customer that is a joint payment object, and a control means for controlling a function of each means of the management server. The control means adds the medical expense information of an examination receiver that is the joint payment object acquired from a medical institution terminal to the medical expense of the customer who jointly pays the medical expense of the examination receiver, and records the added medical expense in the charge information database in association with the customer. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a medical expenses payment system that makes it possible to add and pay medical expenses for an insured person and medical expenses for dependents of the insured person, and in particular, the medical expenses combined with the family as described above. Furthermore, the present invention relates to a medical cost payment system that makes it possible to pay together with public charges such as electricity charges, water charges and gas charges paid by the family.

  In medical institutions such as hospitals, the payment of medical expenses by patients is mostly cash payments after clearing after treatment. Therefore, in addition to the waiting time for the medical examination, the waiting time for the accounting was added after the medical examination. Also, being in a waiting room in a crowded hospital for a long time may cause nosocomial infections for patients with weak resistance, and cash settlement after medical treatment is required to be quick and accurate. Administrative procedures and personnel burdens are excessive.

  The decrease in the waiting time for the examination can be solved to some extent by making a reservation for the examination, but the waiting time for the accounting requires a considerable amount of time since it involves payment after the examination and cash settlement.

  In order to solve the above-mentioned problem of medical expenses payment at a medical institution, a method of paying medical expenses that a server on the Internet charges a credit sales company has been proposed (for example, see Patent Document 1).

In addition, a medical service system has been proposed in which a payment method of medical expenses is made by using a credit card or paying at a financial institution by the patient's selection (see, for example, Patent Document 2).
JP 2002-15060 A JP 2002-24380 A

  According to the medical fee payment method and medical service system described in Patent Documents 1 and 2 above, cash payment at the hospital and payment waiting time are not required after medical treatment, and the burden on the patient is reduced. The paperwork is reduced.

  However, since the use of a credit card is limited to the contractor, it has been difficult for the elderly and minors. Also, payments at financial institutions were simply changing cash payments to another location.

  Therefore, an object of the present invention is to alleviate the labor required for payment of medical expenses and to eliminate the waiting time required for payment of medical expenses after a medical examination.

  In order to achieve the above object, the present invention is a medical cost payment system by a management server that adds and manages medical expenses, and the management server is a customer's insurance card number for which the total payment is requested and a target for the total payment. A customer information database in which information about the customer is recorded; search determination means for determining whether or not a person who has undergone medical examination at the medical institution is the customer who is the object of total payment; and the total payment Charge information database for recording medical cost information including medical costs of target customers, communication means for transmitting / receiving information to / from medical institution terminals of the medical institution via a communication line, and functions of the means of the management server Control means for controlling, the search determination means receives the health insurance card number of the medical examinee and the medical examinee information from the medical institution terminal, performs the determination, The control means transmits the result of the determination to the medical institution terminal, and then adds the medical cost information of the examinee, which is the total payment target acquired from the medical institution terminal, to the customer who adds up the medical cost of the recipient. The present invention proposes a medical expenses payment system characterized by adding up to medical expenses and recording the combined medical expenses in the fee information database in association with the customer.

  The medical cost payment system of the present invention described above makes a contract with a person who provides this medical cost payment system, and uses this medical cost payment system to request a customer (contractor) who seeks total payment of medical costs. And the medical expenses to be charged to the customer (for example, the dependents of the contractor) who are subject to the total payment of the medical expenses by the customer (contractor) it can.

  As a result, customers (contractors) and their dependents who use the medical expenses payment system of the present invention do not need to wait for medical expenses, have trouble paying money, and carry cash. It becomes easy to pay medical expenses for dependents such as the elderly.

  In addition, by entering the health insurance card number and the information of the examinee at the time of medical examination at the medical institution, it is possible to easily authenticate the customer who is the subject of the total payment of the medical expense payment system, and the burden on the medical institution is reduced.

  In addition, in the above, medical cost information includes various information that displays the name of the medical examinee and the medical contents of the medical examination in addition to the medical expenses, and the medical examinee information is the name, sex, date of birth, etc. of the medical examinee. Includes attribute information.

  In the medical cost payment system of the present invention described above, the fee information database further records information related to a public fee paid by a customer who requests total payment in association with the customer in which the medical cost information is recorded. The control means adds the public fee paid by the customer who pays the medical fee to the combined medical fee, and records it in the fee information database in association with the customer. be able to.

  In this way, the medical expenses combined as described above can be paid together with the public bill, and it is collected more reliably from the bank account used for the payment of the public bill. It becomes possible.

  Here, in this specification, public charges are charges related to public services that support social life, such as electricity charges, water charges, gas charges, etc., and there is a fee payment contract for each household. , And those that have been concluded with the power company, water department, gas company, etc. that provide the service.

  In the medical cost payment system of the present invention, the management server stores the medical cost information of the customer recorded in the fee information database in the customer terminal according to a browsing request acquired from the customer terminal of the customer. It is preferable that the information provision means to provide is further provided.

  In this way, the customer can inquire of the management server from the customer terminal about the medical information added to the public bill, medical information such as the examinee, and receive the provision. As a result, the customer can check his / her medical cost information as appropriate.

  The control unit records image information of the face photograph of the examinee acquired from the medical terminal in the fee information database in association with the fee information, and the information providing unit provides the medical information provided to the customer terminal. It is preferable that the image information is attached to the cost information.

  By attaching the image information of the face photo of the examinee to the customer who is requesting the provision of the face photo of the examinee who is a contractor, etc. Confirmation can be ensured.

  In addition, when making a contract for a combined request, the medical institution records the image information of the customer's face photo that is the subject of the combined payment in the customer information database in association with the insurance card number, so that the medical institution can identify the examinee for the combined request. It can be confirmed from the image information and illegal use of the insurance card can be prevented.

  According to the present invention, a medical contract is concluded with a person who provides the medical cost payment system according to the present invention, and the customer (contractor) who requests the combined payment of the medical expenses using the medical cost payment system according to the present invention is charged. The cost and the medical cost charged to the person (for example, the dependent of the contractor) who is subject to the total payment of the medical cost by the customer (contractor) are added together, and the total is calculated from the bank account of the customer (contractor). It will be withdrawn once a month at a certain time. Therefore, customers (contractors) and their dependents who use the medical expenses payment system of the present invention do not need to wait for medical expenses, have trouble paying, and carry cash. This makes it easier to pay medical expenses for dependents.

  In addition, by entering the health insurance card number and the information of the examinee at the time of medical examination at the medical institution, it is possible to easily authenticate the customers who are subject to the combined payment of the medical expense payment system, and the burden on the medical institution is reduced.

  Furthermore, in the present invention, the medical expenses combined as described above can be paid together with public charges such as electricity charges, so it is collected from the bank account used for payment of the public charges, It becomes possible to receive the withdrawal more reliably.

  In particular, the customer not only receives and pays the medical expenses for the dependents of the customer in addition to the medical expenses of the customer, but the customer also receives electricity, gas, water from the power company, gas company, etc. In addition to the public bills paid to the power company, gas company, etc. as a consideration for the public services, for example, the electric bills are combined with the medical expenses charged to the customer as described above, This is a case where it is desired to automatically debit the customer's electricity bill, etc., from the bank account, etc., and whether the payment of the utility bill by the customer is implemented as prescribed When it is confirmed that there is no unpaid, the contract for the combined medical expenses payment using the medical expenses payment system of the present invention is concluded with the customer. , The customer is if in the so as to allow the use of medical expenses payment system of this invention, it becomes credit for receiving to ensure the payment of medical expenses.

  Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

  As shown in FIG. 1 which is a block configuration diagram illustrating an example of a medical cost payment system of the present invention, the medical cost payment system of the present invention includes a management server 1 that adds and manages medical expenses, and a medical institution. The medical institution terminal 2 installed, the customer terminal 3, and the bank server 5 can be provided and comprised.

  These can be connected via the Internet 6 which is a communication line, for example. In FIG. 1, one medical institution terminal 2, one customer terminal 3, and one bank server 5 are shown. However, the present invention is not limited to this, and is usually performed by providing two or more units.

  In the embodiment shown in FIG. 1, the management server 1 that can be installed at a person who provides the medical cost payment system of the present invention includes a customer information database 11, a search determination unit 12, a fee information database 13, and a communication unit 15. , Information providing means 16, output means 17, and control means 18 are provided.

  The customer information database 11 records information related to a customer (contractor) who makes a contract with a person who provides the medical cost payment system of the present invention and seeks a combined payment of medical expenses using the medical cost payment system of the present invention. Is done.

  The information related to this customer (contractor) includes information for identifying the customer (contractor), for example, the address, name, insurance card number, and the person who is subject to the combined payment of medical expenses by the customer (contractor). Information related to the customer's bank account from which the medical expenses charged to the customer are deducted (for example, information identifying the dependent of the contractor, such as the name of the dependent and the insurance card number) Contains information.

  In addition, the customer receives public services such as electricity, gas, and water from an electric power company, gas company, etc., and pays the electric power company, gas company, etc. for the public service, for example, If you want to add the medical expenses that are billed to the customer in the same way as above, and automatically debit it from the bank account, etc. where the customer pays for electricity, etc. For example, information related to charges paid by the customer to the power company, gas company, etc., for example, information on electricity charges, can be obtained from the customer and included in the information for identifying the customer.

  In this case, the customer provides public services such as electricity, gas, water, etc. from the power company, gas company, etc. as information on the bank account of the customer from whom the medical expenses charged to the customer are deducted. In response, a fee paid to an electric power company, a gas company, etc. as a consideration for the public service, for example, information on a bank account used for debiting an electricity bill is used.

  A customer who makes a contract with a person who provides the medical cost payment system of the present invention and requests a total payment of medical expenses using the medical cost payment system of the present invention receives provision of public services such as electricity, gas, and water. For example, information related to charges for public services, such as electricity charges, is obtained from the customer when receiving an application for use of the medical cost payment system of the present invention (address, name, Refer to the power contract number assigned in the contract between the customer and the contract number assigned in the contract between the gas company and the customer, etc. It is possible to obtain information by exchanging information between the electric power company server, the gas company server and the management server 1 and store it in the customer information database 11. Alternatively, public charges (electricity charges, gas charges, water charges, etc.) obtained from a predetermined power company, gas company, etc. as described above are input via an input means such as a keyboard provided in the management server 1. It can be entered and stored in the customer information database 11.

  The search determination means 12 is a receiver (that is, a customer (contractor) or a person (for example, a customer (contractor)) who is subject to the total payment of medical expenses (for example, a customer (contractor)). A processing operation for searching the customer information database 11 to determine whether or not it is a dependent of a contractor))) is performed.

  Further, a customer who makes a contract with a person who provides the medical cost payment system of the present invention and requests the total payment of the medical cost using the medical cost payment system of the present invention pays the medical cost for the dependent family of the customer. In addition to receiving and paying in addition to the customer's medical expenses, the customer is provided with public services such as electricity, gas, and water from an electric power company, gas company, etc. Charges to companies, gas companies, etc., for example, electricity charges are added to the medical expenses charged to the customer as described above, and this is automatically deducted from the bank account, etc. where the electricity charges are deducted from the customer. If it is desired to do so, the search determination unit 12 may add the medical expenses and public charges (for example, electricity charges) as described above. Processing for judging whether or not.

  Furthermore, in this case, the information obtained from the customer when receiving an application for the use of the medical cost payment system of the present invention (address, name, or the contract exchanged between the power company and the customer) Power supply contract number, contract number assigned in the contract between the gas company and the customer, etc.), and the predetermined power company server, gas company server and management server 1 The search determination means 12 performs a processing operation for exchanging information between them and determining whether or not the customer pays the utility bill according to a predetermined place.

  For example, referring to information obtained from the customer (address, name, power contract number assigned in a contract between the power company and the customer), the power company server and the management server 1 Exchange information with each other, check whether there is an electricity bill that has not been paid even after the payment deadline, and confirm that there is no unpaid, The search determination means 12 performs a determination that enables a contract for the combined payment of medical expenses using the medical cost payment system of the invention.

  The fee information database 13 stores medical cost information including the medical cost of the customer who is the object of total payment. The medical cost information can also include information related to charges (for example, electricity charges, gas charges, water charges) paid as a consideration for the above-mentioned public services of the customers who are the object of total payment as described above.

  The communication means 15 transmits / receives information to / from the medical institution terminal 2 of the medical institution via the Internet 6, and the output means 17 outputs fee information.

  The information providing means 16 provides the customer terminal 2 with the medical cost information of the customer recorded in the fee information database 13 according to the browsing request acquired from the customer terminal 3.

  And the control means 18 controls the function of each said means with which the management server 1 is equipped.

  Moreover, the control means 18 controls various functions performed in the process of executing the medical cost payment system of the present invention described later.

  For example, information obtained from a customer when receiving an application for use of the medical cost payment system of the present invention from the customer (address, name, and power granted in a contract between the power company and the customer) Referring to the contract number, etc., information is exchanged between the predetermined power company server and the management server 1 to obtain information on utility charges (electricity charges, gas charges, water charges, etc.) The function of including this in the information related to the customer and storing it in the customer information database 11 is controlled.

  Further, the medical expenses of the customer who is the object of the total payment and the medical expenses of the person who is the object of the total payment of the medical expenses by the customer (for example, the dependent family of the customer) are added together and recorded in the fee information database 13 as the medical expenses information. To control the function.

  Further, information on charges (for example, electricity charges, gas charges, water charges) to be paid as a consideration for the above-mentioned public service of the customer is extracted from the customer information database 11 and is combined with the medical cost information. A function of recording the information obtained by adding the public fee (for example, electricity fee) to the combined medical fee in the fee information database 13 as medical fee information is controlled.

  The management server 1 can include a communication device such as a modem as the communication means 15 and a peripheral device such as a printer as the output means 17 in a computer or workstation that is a general-purpose machine.

  The search determination unit 12, the information providing unit 16, and the control unit 18 are realized by causing the CPU, RAM, and the like to perform the above functions by operating predetermined computer programs.

  The customer information database 11 and the charge information database 13 correspond to storage devices such as hard disks.

  Further, the printer or the like as the output means 17 is used for printing the combined bill.

  In the illustrated embodiment, the medical institution terminal 2 displays a communication unit 21 for transmitting / receiving information to / from the management server 1, an input unit 22 for inputting a health insurance card number of the examinee, information to be transmitted / received to / from the management server 1, etc. Display means 23 for displaying, photographing means 25 for taking a photograph of the face of the examinee, a medical information database 26 for recording medical information such as a medical insurance number of the examinee, medical expenses, medical examination history, and these medical institution terminals 2 And a control means 27 for controlling these means.

  The medical institution terminal 2 includes a personal computer that is a general-purpose machine, a communication device such as a modem that is a communication means 21, a mouse, a keyboard that is an input means 22, a reader such as a barcode and an IC memory, and a liquid crystal that is a display means 23. A display, a CRT, a digital camera as the photographing means 25, and the like can be provided.

  The medical information database 26 corresponds to a storage device such as a hard disk in a personal computer, and the control means 27 can be realized by activating a predetermined computer program on the CPU, RAM, and the like to exhibit the above control function.

  The photographing unit 25 is provided in response to a request from a customer who requests a face photograph of a person who has received a medical checkup. The image information of the photographed face photograph is recorded in association with medical cost information in the medical information database 26 and the fee information database 13. can do.

  The customer terminal 3 corresponds to a personal computer or PDA connected to the management server 1 via the Internet 6. For example, in order to use the medical cost payment system of the present invention, the medical cost of the present invention A customer who has contracted with a person who provides a payment system, his / her family, etc., receives medical cost information recorded in the fee information database 13 of the management server 1 from the information providing means 16 in order to confirm the medical cost. can do.

  In addition, a new application for the combined payment of medical expenses by this medical expense payment system can be made from the customer terminal 3 to the management server 1.

  The bank server 5 is a computer connected to the management server 1 via the Internet 6 and receives fee information for withdrawing the combined medical expenses from the customer account.

  A customer who makes a contract with a person who provides the medical cost payment system of the present invention and requests the total payment of medical costs using the medical cost payment system of the present invention uses the customer terminal 3 owned by the customer to manage the management server 1. , Using the medical cost payment system of the present invention, apply for the provision of a service for receiving and paying the medical expenses for the dependents of the customer in combination with the medical expenses of the customer.

  Alternatively, the management server 1 is installed, and the medical expenses payment system of the present invention is sent to a person who provides the medical expenses payment system of the present invention. Apply for a service to receive and pay for the medical expenses of the customer.

  The management server 1 includes information relating to a customer (contractor), for example, information specifying the customer (contractor) such as an address, name, and insurance card number, and a target for the total payment of medical expenses by the customer (contractor). Information about the individual (for example, information that identifies the contractor's dependents, such as the dependent's name and insurance card number), and the customer's bank where the medical expenses charged to the customer are deducted Prompt the customer terminal 3 to input information related to the account, and acquire the information from the management server 1 or manage the information obtained from the customer via an input means such as a keyboard provided in the management server 1 The server 1 is input, and this is associated with the customer and recorded in the customer information database 11.

  Furthermore, the customer not only receives and pays the medical expenses for the dependents of the customer in addition to the medical expenses of the customer, but the customer also receives electricity, gas, Receive the provision of public services such as water supply, pay the electric service company, gas company, etc. as the price for the public service, for example, add the medical expenses charged to the customer as described above to the electricity bill, If you want this to be automatically deducted from the bank account, etc., where the customer's electricity bill is deducted, the power contract granted in the contract between the power company and the customer The management server 1 prompts the customer terminal 3 to input information such as the number, the contract number assigned in the contract between the gas company and the customer. Information acquired from the customer by the management server 1 or obtained from the customer via an input means such as a keyboard provided in the management server 1 is input to the management server 1 and associated with the customer to obtain customer information. Record in database 11.

  In this case, it is more convenient to use the bank account used to pay for the public service (automatic debit), so the medical fee charged to the customer is deducted. As information related to the customer's bank account, information related to the bank account used for payment (automatic debit) of the public service is entered.

  Further, when the contract is concluded after the determination process performed by the search determination unit 12 described above, the power contract number and the gas company assigned in the contract between the power company and the customer are Referring to information such as the contract number assigned in the contract with the customer, the information is communicated between the predetermined power company server, gas company server and management server 1, Determine whether the customer is paying for utility bills as prescribed. When it is confirmed that there is no unpaid in this determination, a contract is made with the customer for the combined payment of the medical expenses using the medical expense payment system of the present invention, and the customer pays the medical expenses payment system of the present invention. Can be used.

  Next, an example of the medical cost payment method of the present invention, which is the operation of the medical cost payment system of the present invention, will be described with reference to the flowchart of FIG.

  The examiner's insurance card number, name, date of birth, etc. are entered from the input means 22 of the medical institution terminal 2 (S1). Input can be performed from the keyboard which is the input means 22. In addition, when an insurance card and an examination ticket converted into an IC card are used, or when the above information is displayed as a bar code, the reading device becomes the input means 22, and the above-mentioned examinee information, the insurance card number, etc. Read input.

  The insurance card number and examinee information input to the medical information database 26 of the medical institution terminal 2 are transmitted to the management server 1 via the Internet 6 by the communication means 21 (S2). The transmission is performed, for example, according to an instruction from the control unit 27 of the medical institution terminal 2.

  The search determination means 12 of the management server 1 is whether the received insurance card number and examiner information are the insurance card number of the customer who requests the summation request recorded in the customer information database 11 and the customer to which the insurance card number is applied. And whether these match each other is determined (S3).

  When the examinee is a contractor, etc., who is the subject of the summation request recorded in the customer information database 11, that is, the contractor or his dependents, and the insurance card number also matches, When the examinee is not subject to the summation request, the determination result is transmitted to the medical institution terminal 2 (S4).

  In the medical institution that has received the determination result that the examinee is not the subject of the summation request (S5), the request is made without summing (S10). In this case, time and labor for paying medical expenses are required as usual between the examinee and the medical institution.

  In the medical institution that has received the determination result that the examinee is the subject of the summation request (S5), is the judgment result accompanied by information that is the subject of the summation request and the customer who requests the provision of image information? It is determined whether or not (S6).

  When the examinee requesting the summation requests acquisition of a facial photograph at the time of the consultation, the examinee's face is photographed by a digital camera as the provided photographing means 25 (S7). Image information of the photographed face photograph is recorded in the medical information database 26, and is transmitted and recorded in the fee information database 13 of the management server 1 together with medical cost information described later.

  The photographing of the face photograph is a contractual decision with a customer who uses the medical billing system, and the photographing is based on a request for the face image of the examinee. For example, when a customer pays for medical expenses of a person other than the dependent family member, it can be used for confirming the examinee.

  When the medical expenses are calculated in the medical institution, the medical expenses information including the medical expenses and the medical contents relating to the examinee is transmitted to the management server 1 including the face photo information, if any (S8). ).

  The medical cost information transmitted to the management server is recorded by the control means 18 in the fee information database in association with customer information related to the examinee (S9).

  FIG. 3 is a diagram showing an example of a combined bill for medical expenses. As shown in the figure, the medical expenses column shows the insurance card number, and the date of the medical examination, the name of the person who received the medical examination, The name of the medical institution, outline of the medical examination, and medical expenses are listed. In addition to the customer who is the contractor of the fee payment, the examinee includes the customer including the dependent who is the subject of the combined request. The total amount of medical expenses is listed.

  Thus, the medical expenses of the customer who makes a contract with the person who provides the medical expenses payment system of the present invention and requests the combined payment of the medical expenses using the medical expenses payment system of the present invention, and the total payment object of the medical expenses by the customer The medical expenses of the person who becomes the contractor (for example, the dependent of the contractor) are added up by the function performed by the control means 18 and recorded in the fee information database 13 in association with the information (address, name, etc.) identifying the customer. The

  The bank server 5 of the bank which manages the bank account from which the medical expenses of the customer are deducted via the communication means 15 by the function performed by the control means 18 in this way. Is output.

  In addition, even during the operation of the medical cost payment system, the customer can acquire the combined medical cost information shown in FIG. 3 by connecting to the management server 1 from the customer terminal 3.

  The medical cost information that can be acquired is, for example, medical cost information as shown in FIG. 5, but if more detailed medical cost information is desired to be acquired, by selecting the detailed display column of each patient column, The information providing means 16 of the management server 1 provides detailed medical cost information recorded in the fee information database.

  Further, face image information taken for a customer who wants to provide a face photograph image of the examinee is also provided to the customer terminal 3 by selecting this detailed display field. When connecting to the management server 1, it is possible to require a predetermined password input in addition to the customer ID number in order to protect personal information.

  The medical cost payment system of the present invention described above has a contract with a person who provides the medical cost payment system of the present invention. When providing public services such as electricity, gas and water from companies, gas companies, etc., and paying electricity companies, gas companies, etc. as consideration for the public services, for example, when paying electricity charges, add up as described above It is also possible to pay all the medical expenses together.

  That is, when a customer receives a public service such as electricity, gas, and water from an electric power company, gas company, etc., and pays a public fee to be paid to the electric power company, gas company, etc. In addition, in the case where the medical expenses combined as described above are combined and paid together, in step S3 shown in FIG. 2, the combined medical expenses and public charges (for example, electricity) The search determination means 12 determines whether or not the customer wants to add up to a charge.

  Then, when the management server 1 receives the medical cost information from the medical institution terminal 2 in step S8, a charge (for example, an electric charge, a gas charge) paid as a consideration for the public service described above by the customer by the function performed by the control means 18 Information on the water charge) is extracted from the customer information database 11 and summed with the medical cost information, and information obtained by adding the public fee (for example, electricity bill) to the summed medical cost Information is recorded in the fee information database 13 as information.

  In this way, the medical fee combined with the utility fee (for example, the electricity fee) is deducted from the customer's utility fee (for example, the electricity fee) via the communication unit 15 by the function performed by the control unit 27. It is output to the bank server 5 of the bank that manages the bank account to be performed.

  FIG. 4 shows a case where a customer who makes a contract with a person who provides the medical cost payment system of the invention and requests the total payment of the medical cost using the medical cost payment system of the present invention receives electricity, gas from an electric power company, a gas company, etc. When paying electric utilities, gas companies, etc. as a consideration for public services such as water supply, for example, when paying electricity bills, add up the above medical expenses together and summarize It shows an example of the combined invoice when the payment is made.

  As shown in the figure, the upper half of the combined bill is the bill portion of the conventional electricity bill, and the lower half is the medical fee for the month.

  In the medical expenses column, the insurance card number is written, and the date of the medical examination, the name of the person receiving the medical examination, the name of the medical institution receiving medical examination, the outline of the medical examination, and the medical expenses are listed below. In addition to the customer who is the contractor of the fee payment, the patient is included in the patient including the dependent who is the subject of the combined request. And medical expenses, electricity charges and the sum of these are listed.

  As described above, in the present invention, a contract is made with a person who provides the medical cost payment system of the present invention, and the customer (contractor) who seeks the combined payment of the medical expenses using the medical cost payment system of the present invention is charged. And the medical expenses charged to the person (for example, the dependents of the contractor) who are subject to the total payment of the medical expenses by the customer, for example, from the bank account of the customer (contractor), for example, It will be withdrawn once a month at a certain time. Therefore, customers who use the medical expenses payment system of the present invention and their dependents do not need to wait for medical expenses, have trouble paying for them, or carry cash, and they are dependents such as minors and the elderly. It will be easier to pay for medical expenses. In addition, by entering the health insurance card number and the information of the examinee at the time of medical examination at the medical institution, it is possible to easily authenticate the customers who are subject to the combined payment of the medical expense payment system, and the burden on the medical institution is reduced.

  Furthermore, in the present invention, since the medical expenses combined as described above can be combined with public charges such as electricity charges, payment can be made, so that they can be collected from the bank account used to pay the public charges. , It will be possible to receive the withdrawal more reliably.

  In the embodiment described above, the system and method for paying medical expenses together with the electricity charges are used, but this is the sum of the electricity charges because there are the most contractors and users compared to the public charges such as gas. However, it can be added to other public charges such as gas charges.

  Further, in the above-described embodiment, the face photograph of the examinee is taken at the medical institution in response to the customer's request. However, the image information of the face photograph of the contractor using the medical cost payment system of the present invention is previously stored. Recorded in the customer information database 11 in association with the insurance card number, etc. at the time of contract, etc., and attaching the image information to the determination result by the search determination means 12, the medical institution can be confirmed, and the insurance card is illegal Use can be prevented before medical examination.

  Further, in the above embodiment, the customer not only receives and pays the medical expenses for the dependents of the customer in addition to the medical expenses of the customer, but the customer is an electric power company, a gas company, etc. Medical service that receives the provision of public services such as electricity, gas, water, etc. from the company and pays to the electric power company, gas company, etc. for the public service, for example, the electric bill, and is billed to the customer as described above A management server installed by the person who provides the medical expenses payment system of the present invention when it is desired to add up the expenses and automatically deduct it from the bank account, etc. 1 and a predetermined electric power company server, gas company server, and management server 1 to exchange information, and the customer pays a public fee (for example, electricity fee) to be paid. To determine whether or not the search determination means 12 can conclude a contract by referring to information on the state of payment of utility charges (for example, electricity charges) acquired from a predetermined power company server, gas company server, etc. I tried to do it.

  Instead, an electric power company, a gas company, etc. provide the medical cost payment system of the present invention, and the functions of the management server 1 are managed by the electric power company, the gas company, etc. It can also be incorporated inside.

The block block diagram explaining an example of the medical expenses payment system of this invention. The flowchart explaining an example of operation | movement of the medical expenses payment system of this invention. The figure which displays an example of the sum total bill of medical expenses. The figure which displays an example of the combined bill of medical expenses and an electricity bill. The figure showing an example of the screen which displayed the medical expense information provided to a customer terminal from a management server.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Management server 2 Medical institution terminal 3 Customer terminal 5 Bank server 12 Search determination means 15 Communication means 18 Control means

Claims (4)

A medical expense payment system by a management server that manages medical expenses together,
The management server
A customer information database that records information on the insurance card number of the customer seeking the combined payment and the customer who is the target of the combined payment;
Search determination means for searching the customer information database to determine whether or not the examinee who has received a medical examination is the customer who is the object of total payment,
A fee information database that records medical cost information including medical costs of the customers to be combined; and
Communication means for transmitting and receiving information to and from a medical institution terminal of the medical institution via a communication line;
Control means for controlling the function of each means of the management server,
The search determination means receives the health insurance card number and the patient information of the medical examiner from the medical institution terminal and performs the determination,
After the control means has transmitted the result of the determination to the medical institution terminal, the customer who pays the medical cost of the recipient as a sum of the medical cost information of the examinee acquired from the medical institution terminal. The medical cost payment system characterized in that the total medical costs are added to the customer's medical costs, and the combined medical costs are recorded in the fee information database in association with the customer. In the fee information database, information related to a public fee paid by a customer who requests total payment is recorded in association with the customer in which the medical cost information is recorded,
The control means adds the utility fee paid by the customer who pays the sum of the medical expenses to the summed medical expenses, and records this in the fee information database in association with the customer. The medical cost payment system according to claim 1.   The management server further comprises information providing means for providing the customer terminal with the medical cost information of the customer recorded in the fee information database according to a browsing request acquired from the customer terminal of the customer. The medical cost payment system according to claim 1 or 2, characterized by the above.   The control unit records image information of the face photograph of the examinee acquired from the medical terminal in the fee information database in association with the fee information, and the information providing unit provides medical cost information to be provided to the customer terminal. The medical information payment system according to claim 3, wherein the image information is attached to the medical information.

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