JP2009259185A - Mobile insurance certificate system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a mobile insurance certificate system capable of preventing insurance certificate information from being leaked from a cellular phone, and safe in an aspect of security, in the insurance certificate system of holding the insurance certificate information in the cellular phone instead of a card type insurance certificate, and of using it. <P>SOLUTION: This mobile insurance certificate system is constituted of an insurance management server in an insurance management center for managing and supervising the insurance certificate information of an insured of a health insurance or a nursing care insurance, the cellular phone communicable with the insurance management server by detecting the positioning thereof within a specific medical institution or a nursing care facility, and installed preliminarily with an insurance application software for receiving the insurance certificate information of the insured, and an insurance certificate information reader installed in the medical institution or the nursing care facility, and for reading the insurance certificate information received by the cellular phone. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a mobile insurance card system that stores insurance card information such as a health insurance card and a long-term care insurance card in a mobile phone, and provides the insurance card information as a substitute for a card type or booklet type insurance card.

  Conventionally, when receiving a medical examination at a medical institution such as a hospital or clinic or a nursing facility, you must submit an insurance card to the medical institution and issue a medical examination ticket. In addition, an insurance card is presented together with a medical examination ticket at the reception of a medical institution, indicating that it is an insured person, and is a system for receiving insurance medical treatment. In particular, in this system system in which the qualification of the insured is set and updated on a monthly basis, it is necessary to present an insurance card again at the beginning of the month even in the same medical care over several months.

However, when revisiting at the beginning of this month, there was often a problem of forgetting to bring a health insurance card. As means for solving this problem, as described in Japanese Patent Laid-Open No. 2002-351997 (Patent Document 1), the information on the insurance card is read by the IC card reading unit for the insurance card with the IC card. A technique is known in which this information is stored in a storage unit of a mobile phone, and the mobile phone has the function of an insurance card.
JP 2002-351997 "IC card insurance card system using mobile phone" (Applicant: East Japan Medicom Co., Ltd.)

  However, with this known technology, if the mobile phone is lost, personal information stored in the mobile phone may be leaked, which is a serious problem in terms of security.

  Therefore, the present invention aims to provide insurance card information, and in an insurance card system that uses a mobile phone having a communication function, leakage of insurance card information is difficult to occur and is the original purpose of the insurance card. To provide a secure mobile insurance card system that can be used only as a health insurance card only when receiving medical or nursing care actions, and that can be used only within medical institutions for the security of insurance card information. is there.

  The mobile insurance card system of the present invention according to claim 1 includes an insurance management server installed in an insurance management center for managing and managing insurance card information of an insured person of health insurance or nursing care insurance, and a specific medical institution or nursing care A mobile phone in which insurance card application software that enables communication with the insurance management server by detecting that it is located in the facility and receives the insurance card information of the insured person is installed in advance, and a medical institution or a care facility And the insurance card information reading device that reads the insurance card information received by the mobile phone.

  According to the present invention, since the insurance card information for receiving insurance medical care is read and recorded on a mobile phone that is generally carried on a daily basis, it is not necessary to carry the insurance card, and the insurance card itself Can be lost.

  Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. The embodiment of the present invention will be described in the case of a health insurance card in a medical institution, avoiding complications, but is not limited to this. It is to function.

(Overall configuration of the embodiment)
FIG. 1 is a schematic diagram showing a configuration of an embodiment of a mobile insurance card system of the present invention. As shown in FIG. 1, the present embodiment includes a mobile phone 1 operated by an insured person, an insurance management center 2 for managing a health insurance card of the insured person, and an insured person connected by a communication system. Consists of a medical institution (or care facility) 3 that undergoes medical examination, treatment, and examination, and a GPS (Global Positioning System) satellite 51 that transmits a signal for knowing the position of the mobile phone 1.

  Further, the cellular phone 1 knows the position of the cellular phone 1 based on a signal from a data holding unit 11 that stores and saves various data and setting information, a communication function unit 12 that communicates voice and character information, and a GPS satellite 51. A GPS detection unit 13 and an insurance card application unit 14 that downloads an insurance card application of application software related to a health insurance card and holds insurance card information are provided.

  The insurance management center 2 of the health insurance stores an insured person information database unit 21 that stores and holds insurance information of a large number of insured persons, and, for example, the cellular phone 1 carried by the insured person at the request of the insured person. "Mobile insurance card" application unit 22 that supplies mobile insurance card application software that provides health insurance card information instead of card-type or booklet type health insurance card, and an insurance management center that controls the operation of these parts Server 23.

  The medical institution 3 controls information related to medical work in the medical institution, and the medical institution server 31 connected to the outside of the medical institution by, for example, a dedicated communication line (not shown), and the medical institution The insurance card data confirmation processing unit 32 that manages data such as insured person information related to health insurance business and health insurance benefit score aggregation within the medical institution via the server 31, and in the medical institution at the request of the insured person “Mobile insurance card” that provides information on the mobile insurance card as a substitute for the conventional health insurance card and provides the insurance card information of the insurance card as a result of the approval by the mobile phone 1 carried by the insured The reading device 33 is provided. These medical institution server 31, insurance card data confirmation processing unit 32, and reading device 33 are connected to each other through a medical institution LAN.

  Between the mobile phone 1 and the insurance management center 2, the mobile phone line of the public communication system 41 in which communication related to the “mobile insurance card” application of the “mobile insurance card” application software is performed, and insurance management of health insurance For example, an information communication communication system (not shown) for health insurance business communication is provided between the center 2 and the medical institution 3 so as to correspond to the mutual data exchange amount. Configuration is made.

(Workflow and overall processing flow of this embodiment)
Regarding the operation and processing of providing insurance card information in the embodiment of the mobile insurance card system of the present invention, the management center, the GPS function unit, the insured's mobile phone, and the medical institution that make up this mobile insurance card system operate. FIG. 2 shows a workflow diagram of the operation to be performed, and FIG. 3 shows a system processing flow of the entire embodiment.

  Further, in order to use this system, the procedure for preparing the mobile insurance card application of the application software of the mobile phone 1 in advance is shown in FIG. The procedure of the two operating methods for presenting the mobile insurance card is shown in FIGS. 5 and 6, respectively. Details of these will be described below.

  First, the operation W01 shown in the workflow diagram of FIG. 2 is installation of a mobile insurance card application of application software that operates the mobile insurance card system according to the embodiment of the present invention. This is because, in step S01 in FIG. 3 showing the overall flow of the system processing procedure in the present embodiment, the mobile insurance card application is installed in advance on the mobile phone 1 possessed by the insured person via the mobile phone communication network. I do.

(Preparation procedure for mobile insurance card app)
The installation in step S01 performed as a preparation procedure of application software for the mobile insurance card in the present embodiment will be described in detail with reference to the flowchart shown in FIG.

  When the mobile insurance card is used for the first time by the mobile phone 1 possessed by the insured person, first, in the first step S31 shown in FIG. 4, the health insurance institution (or care insurance institution) to which the insured belongs belongs. The mobile site of the insurance management center 2 is accessed. Upon access, in step S32, installation of the mobile insurance card application is started with an installation-dedicated password designated by the insurance management center.

  Further, in step S33 where the installation is started, the insured person's name, gender, date of birth, address, telephone number, work place, card type or booklet type insurance card symbol number, and insured person are identified. Set and register insurance card information such as insured password.

  Subsequently, in step S34, the insurance card information input by the insured person and the insurance card data held by the insurance management center 2 are collated, and the insurance card information set by the insured person and the insured person password are set. Reconfirmation is also performed, and measures are taken to avoid operations by persons other than the insured person.

  In step S35, if there is no unreasonableness in these information and settings, authentication is performed. In the next step S36, the mobile insurance card application is downloaded to the insured's mobile phone 1, and the installation is completed.

  The installed mobile insurance card application has data of insurance card information of the operated insured person and a control program for the operation presented by the mobile phone 1 with the insurance card information. In step S37, the contents are encoded and recorded in step S37 so that the contents cannot be directly seen by the operation of the operation button or the switch of the cellular phone 1, and it is not possible to know the contents by a normal operation. .

  This encryption is performed under a predetermined condition to be described later, for example, when the condition of the location of the mobile phone 1 is in a medical institution by the GPS function, or is installed in a special instrument apparatus such as a medical institution. For example, when the operation is performed by the mobile insurance card reader 33, the encryption is released, the mobile insurance card application is activated, and the data can be read.

  As described above, the installation of the mobile insurance card application performed in the embodiment of the present invention is almost the same as the insurance card information written in the general IC card type insurance card, for example, the IC chip built in the IC card type insurance card. The personal information of the insured person is kept in the mobile insurance card application, and the insurance card data held by the download once is maintained until the expiration date when there is no change in the insured person's insurance information. However, since these pieces of information are read out by executing the written control program, the control program is also encrypted except under a predetermined condition, and a process that cannot be read is performed. It cannot be used.

  When the insured person who arrives at the medical institution brings a conventional card insurance card, operation W02 in FIG. 2 (in step S02 in FIG. 3 of the processing procedure) is performed by the conventional card insurance card. The next operation W14 (in step S04 in FIG. 3 of the processing procedure) is accepted. In addition, if you have a conventional card insurance card or booklet insurance card, each procedure of reception, consultation and accounting by presenting these conventional insurance cards indicated by the dotted line in step S30, You can also use a conventional health insurance card.

  On the other hand, when the conventional card-type insurance card is not brought, the operation W02 of FIG. 2 (in step S02 in FIG. 3 of the processing procedure) is the operation W03 or the operation W05 of the mobile insurance card application having a different activation method. Either one is selected by the insured (step S03 of the processing procedure).

  In the operation W02 (in step S02 in FIG. 3 of the processing procedure), when the mobile insurance card application is not installed in the mobile phone 1, the process returns to the operation W01 (step S01 in the processing procedure) and the mobile phone 1 is After operating and installing the mobile insurance card application, the operation W03 or the operation W05 is selected (step S03).

  FIG. 5 shows the details of the reception person processing procedure to be left to the person in charge of reception at the medical institution for temporarily enabling the mobile insurance card in place of the conventional card-type insurance card, which is performed after step S03 in FIG. FIG. 6 shows the details of the reception process (steps S04 to S05, or operations W03, W04, W08) of FIG. 1 and the operation procedure of the person himself / herself who operates the mobile phone 1 and confirms the contents of the mobile insurance card. One of the second reception processes (steps S21 to S22 or operations W05 to W08) shown in FIG.

(First procedure for accepting mobile insurance card)
In step S03 shown in FIG. 3, when the insured selects the reception processing procedure (first reception processing), “No” is selected in branch step S03 in FIG. 3, and in the next step S04, the mobile The insured's mobile phone 1 in which the insurance card application is installed is handed over as a health insurance card to a person in charge of reception at a medical institution.

  Furthermore, in step S05, the flowchart is shown in detail in FIG. 5, and the processes of steps S41 to S50 described below are performed.

  In the first reception process, in step S41 of FIG. 5, the person in charge of reception at the medical institution places the received mobile phone on the mobile insurance card reader 33 installed in the medical institution 3 shown in FIG. 1 is set (operation W03 in the workflow diagram of FIG. 2).

  The mobile insurance card application installed on the mobile phone 1 is activated by the set of the mobile phone 1. By this activation, the mobile insurance card application activates the insurance card data confirmation processing unit 32 of the medical institution 3, and under the automatic authentication of the preset device password of the “mobile insurance card” reading device 33, the public communication Communication connection to the insured person information database unit 21 is performed via the system 41 and the insurance management center server 23 of the insurance management center 2.

  By this connection, in order to further search for the insurance card information of a specific individual, the insurance management center server 23 requests input of the insured person's password in step S42.

  In response to this request, the insured person inputs his / her password in step S43, and when it is authenticated in step S44, in step S45, the mobile insurance card reading device 33 first uses the mobile insurance card application. Is activated after the installation of the mobile insurance card application so that the insurance card information of the mobile phone 1 whose specific contents are not disclosed can be decrypted and connected to the insurance management center 2.

  In step S 46, medical institution information such as the institution name and affiliation code of the connected medical institution 3 is obtained, and the insurance card information of the connected mobile phone 1 and the insurance recorded in the insured person information database unit 21. When the content match with the certificate information is confirmed, the insurance management center server 23 further performs automatic authentication of the device password set in advance by the reading device 33 to obtain information on the medical institution 3 as the transmission source (operation W04 in FIG. 2). ) And can identify the medical institution where the mobile insurance card is used.

  By this specification, the location of the mobile phone 1 presenting the insurance card information is determined to be within the facility of the predetermined medical institution in step S47, and the “mobile insurance card installed in the medical institution 3 in step S48. And the reading connection of the reading device 33, the encryption of the insurance card information is released, and the insurance card information of the insured person who brings the mobile phone 1 is read by the reception person in charge of the medical institution 3 in step S49. It is displayed on the device 33 or the mobile phone 1.

  On the other hand, if it is determined in step S47 that it is outside the predetermined medical institution, the process of step S53 is performed and the insurance card information is not displayed. In general, the “mobile insurance card” reader 33 is installed in a medical institution, but if it is installed in a place that is not a medical institution due to illegal acts, and if it is camouflaged or operated, the location by the GPS function is The insurance card information cannot be deciphered.

  In step S49, the reception person in charge confirms the insurance card information displayed on the reading device 33 of the “mobile insurance card” or the mobile phone 1 in step S49. To listen to. Also, listen to the reservation status.

  In step S52, the reception person in charge searches for and confirms information on past medical examinations and examinations of the insured person, and sets and communicates with the medical doctor in charge and the department in charge.

  In step S50, an encryption / non-encryption descrambling operation by the GPS function of the present embodiment is performed. The GPS function of the present embodiment refers to a predetermined range in which the mobile phone 1 of the insured person receives a signal from the GPS satellite 51 at predetermined time intervals, and the position of the mobile phone 1 is the location of the medical institution. If it is confirmed that the data is outside of the mobile phone 1, a part of the data held in the mobile phone 1, for example, the insurance card information is subjected to encryption processing, and on the other hand, it is confirmed that it is within the range of the location. In this case, the encryption processing is canceled and the processing procedure that can be read is held in the mobile phone 1 and the insurance card information is implemented as the encryption target.

  Further, in step S06 in FIG. 3, the receptionist confirms the insurance card information of the insured person, and performs reception work such as setting the order of medical treatment for the person who is scheduled to undergo a medical examination / examination and preparing a medical record (medical chart). Then, the insured person, that is, the patient is instructed to the department or standby in step S07 in FIG.

(Second procedure for accepting mobile insurance card)
On the other hand, in step S03 shown in FIG. 3, the insured himself / herself directly operates the mobile phone 1 to acquire the mobile insurance card information while confirming the contents of the mobile insurance card. When the user operation processing procedure (second acceptance process) for presenting mobile insurance card information is selected, that is, a small medical facility that does not have the “mobile insurance card” reading device 33 installed, or the reading device 33 If the usage is congested, the insured directly performs the second acceptance process (steps S21 to S22 or operations W05 to W08) whose detailed flowchart is shown in FIG. 6, and presents the mobile insurance card. To do.

  In the following, the person operation process procedure (second reception process) will be described with reference to FIG. 6 which is a detailed flowchart of the process.

  The insured person operates the mobile phone 1 on which the mobile insurance card application is installed and directly receives and acquires the insurance card information (second reception process). Since it is an indispensable condition for the operation to be performed later that the mobile phone 1 operated by the person is located inside the medical institution that desires to receive a medical examination, the operation is first performed after arriving at the medical institution in step S61. .

  In step S62, the cellular phone 1 is activated in the medical institution (activation of the operation W05 in FIG. 2), and the mobile insurance card application is activated. When this activation is started, in step S63, the mobile insurance card application requests input of the password of the mobile insurance card application set by the insured.

  In step S64, the insured person inputs a password (same operation W06). When authentication is performed in step S65, in step S66, information on the medical institution that the insured examines, such as the name of the medical institution, is obtained. Or, the system, that is, the mobile insurance card application requests to input the code symbol / number.

  In step S67, the operator (insured person) operates the mobile phone 1 to input information related to the medical institution such as the name of the medical institution where the insured examinees (same operation W06).

  In step S68, the mobile insurance card application inputs information such as a medical institution name from the mobile phone 1 to the insurance management center 2 via the connected public communication system 41 by the operation of the insured. Contact by connection.

  In step S69, the identification information such as the name of the medical institution and the personal information of the insured person set in the mobile insurance card application already installed are referred to the insured person information database section of the insurance management center 2. To be sent.

  In step S70, the insurance management center server 23 of the insurance management center 2 of the health insurance institution that has received the medical institution information and personal information from the insured's mobile phone, in step S70, that is, the mobile phone. In order to confirm the location of 1, the mobile phone 1 is instructed to activate the GPS function of the mobile phone 1 via the public communication system 41.

  In step S71, the mobile phone 1 acquires the location data by the GPS function, and in step S72, the mobile phone 1 determines that the location of the mobile phone 1 is at any position in the medical institution contacted in step S69. (In the workflow diagram of FIG. 2, the operation W07 of the GPS section).

  In step S72 (also operation W07), if it is determined that the facility is in the facility, in step S73, details of the insurance card information of the subject are transmitted from the insurance management center 2 to the mobile insurance card application of the mobile phone 1. (Operations W09 to W11 of the management center section in the workflow diagram of FIG. 2).

  On the other hand, if it is determined in step S72 (operation W10) that the facility is out of the facility, the process proceeds to step S78, and the mobile phone 1 reads “Outside of medical institution. Operate inside medical institution”. Display and return to step S71 (operations W03, W05).

  The insurance card information transmitted to the mobile insurance card application in the previous step S73 is decrypted by the GPS function in step S74 and displayed on the mobile phone 1 so as to be decipherable.

  Further, in step S75, the insured person presents the insurance card information displayed in step S74 to the person in charge of receiving a medical examination or examination, and notifies the medical condition, the poor condition, and the reservation situation.

  In step S76, the receptionist confirms the insurance information of the presented mobile insurance card and the information on the past medical examinations and examinations. In step S77, the person in charge and the department in charge are set and contacted. In step S06, the reception of the medical institution is completed.

  The insured person who has received the mobile insurance card shown in FIG. 5 or 6 is recognized as a patient in the medical institution upon completion of the reception, and can receive medical care in step S07 of FIG.

(Processing of mobile insurance card in accounting settlement)
When all medical examinations and examinations are completed, in step S08 shown in FIG. 3, the insured person accepts the transaction in order to perform the accounting process for the medical practice on that day.

  In the following, the mobile insurance card system according to the procedure of the account clearing performed in each of the general account clearing steps S09 to S11 shown in FIG. 3 and the steps S12 to 15 for clearing after leaving the medical institution temporarily. The operation to be performed will be described.

  The account settlement with the mobile insurance card goes to the accounting reception (step S08), and when the account settlement is performed immediately after the medical treatment, the reading / clearing machine (not shown) installed in the accounting department of the medical institution in step S09. Set the form phone 1 to. With this set, the reading / clearing machine (not shown) first confirms the set password of the insured person and sends the accounting amount of the subject to the accounting server (not shown) via the LAN within the medical institution. The billed amount is displayed in response to the inquiry (operation W23 in the workflow diagram of FIG. 2).

  On the other hand, in step S10, if the insured correctly puts the billed amount into the clearing machine, the clearing machine confirms that the liquidation has been completed, issues a receipt and ends the accounting. In step S11, the insurance card information of the mobile insurance card of the mobile phone 1 is deleted (operation W24 in FIG. 2).

  In step S11, the insurance card information is encrypted without being deleted and cannot be read outside the medical institution, and the GPS function of the mobile insurance card set in the mobile phone 1 is stopped. You may do it. This treatment is maintained until the next visit to any medical institution and the operation of step S04 or step S21 is performed, and the insurance card information is not readable and is safely protected and stored.

  On the other hand, if the insured who has completed the reception in step S06 or the consultation and examination in step S07 is taking a break in the medical institution, for example, without receiving the accounting in step S08, the step is performed every predetermined time. In S12 or S14, the location of the mobile phone 1 is confirmed by the GPS function of the mobile insurance card application (operations W15, W17, and W20 of the GPS section in FIG. 2). The mobile insurance card remains in a standby state so that it can be decrypted (operation W18 in FIG. 2), and the process returns to step S08.

  However, in the position confirmation in steps S12 and S14, if the user is out of the medical institution for, for example, a meal, the mobile insurance card determines that the mobile insurance card is out of the medical institution (operation W15 in FIG. 2). W20) In step S13, the insurance card information of the mobile insurance card is encrypted so that it cannot be decrypted (operation W16 in FIG. 2) and waits.

  Further, in the location confirmation in step S14 performed every predetermined time during the standby (operation W15), if it is determined that the user stays in the medical institution or has returned, the insurance card information is encrypted in step S15. The treatment is released and maintained in a decipherable state (operation W18), and the process returns to step S08 (operation W19 or operation W22). Then, the mobile insurance card application waits for the operation of the reading / clearing machine for payment in step S09 to be performed.

  According to the present embodiment, when receiving medical care corresponding to insurance at a medical institution or care facility, the mobile insurance card application of application software is installed in advance on the mobile phone owned by the insured and held in the insurance management center. The insurance card information of this insured person can be set as a mobile insurance card. The insurance card information held in the mobile insurance card is equivalent to the insurance card information of a card type insurance card generally issued by an insurance institution and can be used in place of the card type insurance card.

  Further, according to the present invention, the insurance card information held in the mobile phone is visualized, read out and read only when the mobile phone to be carried constantly is in a medical institution or a nursing facility by the GPS function. Decryption can be done effectively. Even if the mobile phone is lost, it is encrypted outside the medical institution or care facility so that it is difficult to decipher the insurance card information, and leakage of the insurance card information can be prevented. Even within a medical institution, the use of another person can be denied by the password of the owner of the mobile phone, that is, the insured person.

The schematic diagram which shows the structure of embodiment of the mobile insurance card system of this invention. The workflow figure of embodiment of the mobile insurance card system of this invention. The whole process flow figure in the mobile insurance card system of this invention. The flowchart which shows the procedure which prepares the mobile insurance card application of this invention. The flowchart which shows the procedure of the 1st consultation reception in the mobile insurance card of this invention. The flowchart which shows the procedure of the 2nd consultation reception in the mobile insurance card of this invention.

Explanation of symbols

1 ... mobile phone, 2 ... insurance management center, 3 ... medical institution,
11 ... Data holding unit, 12 ... Communication function unit, 13 ... GPS detection unit,
14 ... Insurance card application department, 21 ... Insured person information database department,
22 ... "Mobile insurance card" application part, 23 ... Insurance management center server,
31 ... Medical institution server, 32 ... Insurance card data confirmation processing part,
33: Reader, 41 ... Public communication system.

Claims (4)

An insurance management server installed in an insurance management center for managing insurance card information of insured persons of health insurance or nursing care insurance;
A mobile phone preinstalled with insurance card application software capable of communicating with the insurance management server by detecting that it is located in a specific medical institution or nursing care facility and receiving the insurance card information of the insured person When,
A health insurance card information reading device which is installed in a medical institution or a nursing facility and reads the health insurance card information received by the mobile phone;
A mobile insurance card system characterized by comprising   2. The detection that the mobile phone is located in the specific medical institution or a care facility is performed by setting the mobile phone in the insurance card information reading device. Mobile insurance card system.   The mobile phone is a phone having a GPS position detection function, and the location of the mobile phone is acquired by the GPS position detection function when detecting that the mobile phone is located in the specific medical institution or care facility. The mobile insurance card system according to claim 1, wherein the mobile insurance card system is performed.   The mobile phone is a phone having a GPS position detection function, and is held by the mobile phone when the location of the mobile phone is outside a medical institution or outside a care facility. The mobile insurance card system according to any one of claims 1 to 3, wherein the insurance card information is automatically encrypted and cannot be read.

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