JPH11154183A - Device and system for handling service reception - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent illegality while eliminating the error of amount input or the like by appropriately managing the number of times of services applied to a user and performing calculation and payment of an amount charged to the user himself in the flow of the series of computer processing. SOLUTION: A user certificate 102 stores the upper limit number of times for each kind of service to be received. A transaction device 104 reads the user certificate 102 and a card for companies, subtracts '1' when the upper limit number of times in the user certificate 102 is not less than '1' concerning the designated kind of service, writes the service kind and the amount to be charged to the user himself in the user certificate 102 and writes a user identifier, service kind and received amount on the card for the company. A terminal 201 for manager registers the utilization result of the user certificate 102 in a data base, reads the utilization result in the card for company and checks the same user identifier and the same service kind by collating both utilization results.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a system and an apparatus for handling service payment using an IC card.

[0002]

2. Description of the Related Art There is provided a payment service in which a user of a service uses the service within a predetermined upper limit number and pays a part of the cost. As a method of managing such a payment service, for example, Japanese Patent Application Laid-Open No. 9-101989 discloses a method of recording the total number of points to be paid to an IC card, and subtracting points according to the service to be provided from the total points. Is disclosed. Regarding the payment of expenses, the co-payment amount is calculated according to conditions such as local prices and the ratio of the user's burden, and the user pays in cash. The service usage record is stored in the form of a receipt or the like.

[0003]

According to the above prior art, it is possible to determine whether or not the service is within the range of the upper limit score for the entire service. It is not possible to manage whether or not appropriate payments have been made. The type of service to be provided is recorded in the IC card, but it cannot be checked whether the service actually provided matches the service recorded in the card. Inability to prevent service benefits. In addition, since the payment of the cost by the user is performed in cash independently of such management of the upper limit, there are problems such as calculation errors and improper billing by the service provider. Further, since the service performance is exchanged by a form such as a receipt, there is a possibility that the service is lost or fraudulent.

[0004] An object of the present invention is to manage such that an appropriate payment is made for each type of authorized service.

Another object of the present invention is to perform the management of the upper limit score, the calculation of the co-payment amount, and the payment in a series of computer processing flows, and to enter the amount of money while minimizing human intervention for the payment of the cost. It is to prevent mistakes, transcription mistakes, calculation mistakes, etc., and to prevent fraud.

It is still another object of the present invention to prevent fraud by examining whether or not the amount charged by a service provider is legitimate.

[0007]

A user who receives a service payment has a user card that stores the upper limit number for each type of service that can be received. A service provider that provides service benefits has a business card.
The transaction device of the present invention checks the means for reading and writing the user card and the business card, and checks the upper limit number of the corresponding service type in the user card in response to the specified service type. If the number is equal to or greater than the specified number, subtract the specified number from the upper limit number, write the co-payment amount obtained by multiplying the specified service type and the applicable unit price by the co-payment ratio on the user card, and identify the user and the specified service. It has processing means for writing the type, the out-of-pocket amount, and the amount to be charged to the manager in the business card.

Further, the management apparatus of the present invention reads out the self-pay amount corresponding to the type of service recorded in the user card, stores it in a database, reads out the information of the business card, and refers to this database. Then, for the same user identifier and the same service type, it is determined whether or not the self-paid amount paid by the user and the corresponding receipt amount on the business card match.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described using an example of care service payment. Here, it is assumed that three persons, that is, an administrator, a user, and a service provider are involved. The administrator sets conditions according to the necessity of the nursing care service of the user, and pays the cost required for the nursing care service within the range of the conditions. The user uses the nursing care service according to the approved conditions and bears part of the cost. The service provider performs the actual service for the user, and receives a part of the cost from the user and the rest from the administrator.

FIG. 1 is an overall view showing the relationship between the three. Reference numeral 201 denotes an administrator terminal. 102 is a user ID. 103 is a business card. 104 is a transaction device. Data exchange between three parties is user ID 1
02 and the business card 103. The user makes an application to the administrator when using the service. The administrator determines the payment conditions including the upper limit of the service usage and the like according to the necessity of the service of the user. This is called certification for long-term care. The user determines the type and number of services to be used within the determined upper limit, and notifies the administrator as a care plan. After confirming that the submitted care plan is within the upper limit, the administrator issues a user card in which the contents of the care plan and other payment conditions are registered. The user receives the service from the service provider according to the care plan and pays a part of the cost. The percentage of the cost borne by the user is determined in the terms of the benefit. The unit price of the service is determined by the score, and the price is calculated by multiplying this by a regional rate that takes into account regional prices and the like. The service provider submits the performance of the service to the manager, and charges the rest of the cost. The administrator examines the billing from the service provider and pays the rest of the cost. Hereinafter, each process will be described in detail.

FIG. 2 is an example of a configuration diagram of the administrator terminal 201. The administrator terminal 201 is connected to the central processing unit 20.
2, storage device 203, input device 204, screen display device 2
05. Reference numeral 206 denotes a card reader / writer for reading and writing information recorded on the IC card. Reference numeral 207 denotes a printer. 208 is a user database (DB) that records information on a user-by-user basis
Reference numeral 209 denotes a payment DB that records the payment results for each business operator. The user DB 208 and the payment DB 209
It is stored on an external storage device connected to the central processing unit 202.

FIGS. 3 and 4 show the user DB 20 respectively.
8 and the data configuration of the payment DB 209. Reference numeral 31 denotes a basic information table. Each record records basic information such as a user number, a name, an address, a contact, and a date of birth.
Reference numeral 32 denotes a certification information table, and each record records the result of certification for need of care, such as a user number, a certification number, a degree of need for care, a type of designated service, a self-pay ratio, and a validity period. Multiple certification information records can be registered for one user. Reference numeral 33 denotes a care plan table. Each record records a user number, a certification number, and the number of registrations for each service based on the care plan submitted by the user. The care plan record corresponds to the certification information record. Reference numeral 34 denotes a use record table, and each record records a user number, a certification number, and a record of use of a service within the validity period of certification for requiring long-term care. The usage record consists of items such as date and time of use, company code, service classification, and self-pay amount. Each record of the usage record table 34 corresponds to a certification information record. These tables are associated with the user number and the certification number as keys. Reference numeral 41 denotes a business information table, which stores business codes, locations, contact information, account information, and the like. Reference numeral 42 denotes a payment result table, which records the company code and the service results for which the payment was made. The benefit record includes items such as date and time of implementation, user number, service code, amount of receipt, amount of claim for benefit, and the like. These tables are associated using the company code as a key.

FIG. 5 is a diagram showing an example of information recorded on the user identification card 102. Reference numeral 502 denotes a basic information area which records basic information such as a user number (user identifier), a name, an address, a contact address, and a date of birth. Reference numeral 503 denotes a certification information area, which records the result of certification of need for nursing care, such as the degree of need for nursing care, the type of designated service (service code), self-pay ratio, and the validity period. Numeral 504 denotes a care plan area, in which the service code and the number of registrations registered in the care plan for each service code are recorded as an upper limit. The number of benefits may be registered instead of the number of times. 505
Is a performance area, which records the service usage performance.
Reference numeral 506 denotes a money area which records the balance amount as a result of electronic money transactions.

FIG. 6 shows a transaction device 10 that can be carried by a service operator in order to carry out processing during service implementation.
FIG. 4 is a diagram illustrating an example of a configuration diagram of FIG. 602 is a screen display device. 603 is a storage device. 605 is an input device. 606 is a central processing unit. 607 is a timer. 608 is a card reader / writer. 609
Is the service type that contains the unit price of each service /
It is a unit price file. An area code / rate file 610 indicates the relation between the area code and the area rate.

FIGS. 7 and 8 show the service type /
Unit price file 609 and area code / rate file 6
10 shows the configuration of FIG. The service type / unit price file 609 expresses a unit price for each service code by a score. The area code / rate file 610 expresses a rate for each area code.

FIG. 9 is a diagram showing an example of information recorded on the business card 103. Reference numeral 902 denotes a company information area which records a company code including an area code and a unique number for each area. 903 is a performance area,
Record the performance record of the service. Reference numeral 904 denotes a money area in which the balance amount resulting from the electronic money transaction is recorded.

The administrator issues a user ID after the care plan is submitted by the user. The operation of the administrator terminal 201 when performing processing for registering necessary information in the user ID 102 will be described with reference to the flowchart of FIG.
In starting the process, the administrator terminal 201 displays a process selection screen (step 1001). The administrator selects a user ID registration process on the process selection screen (step 1002). Card reader / writer 206 has user ID 10
2 (step 1003), the basic information area 5
It is determined whether or not data is recorded in the file 02 (step 1004). If there is no data, it is a new issue, and if there is data, it is an update process. If new, the administrator terminal 201 refers to the user DB 208 and displays a list of basic information for a plurality of users (step 1005). The administrator selects the basic information of the target user from the list (step 1006), and the administrator terminal 201 stores the basic information 31 of the target user in the user DB 208 in the basic information area of the user ID 102. 502 (step 1007), and only one certification information record registered in the certification information table 32 is stored in the certification information area 50.
3 (Step 1008), and copy the care plan 33 to the care plan area 504 (Step 100).
9). In the case of updating, the basic information 502 of the user ID 102
Is retrieved from the user DB 208 and displayed (step 1010), and the administrator selects data to be registered from the data (step 1011). That is, one certification information record is selected from a plurality of registered certification information records. Basic information area 502
Have already been registered, steps 1008 and 1
By the processing of 009, the certification information and the care plan are registered.

At the service site, the transaction device 104 is used to perform card information reference, care plan confirmation, and payment processing between the service provider and the user. Hereinafter, FIG.
Each process will be described with reference to the flowcharts of FIGS.

FIG. 11 is a flowchart of the card information reference process. User ID 102 or business card 10
When referring to the information recorded in No. 3, card information reference processing is performed. The service provider inserts the card containing the information to be referred into the transaction device 104 (step 1101). The transaction device 104 displays a process selection screen (step 1102). The service provider selects a card information reference process (step 1103). Trading device 104 displays a reference information selection screen (step 1104). The reference information menu contains basic information,
Certification information and care plan. The service provider selects information to be referred to (Step 1105). The transaction device 104 reads the selected information from the card and displays it (step 1106).

FIG. 12 is a flowchart of the care plan confirmation process. When starting the service, the service provider needs to confirm whether the service to be provided is included in the care plan. The service provider receives the user certificate 102 of the user and inserts it into the transaction device 104 (step 1201). The transaction device 104 displays a processing selection screen (step 120).
2). The service provider selects care plan confirmation processing (step 1203). The transaction device 104 reads the validity period recorded in the certification information area 503 of the user ID 102 (step 1204), and determines whether or not the date on which the processing is performed is within the validity period (step 120).
5) If it is not the validity period, it is displayed that the service cannot be performed (step 1210). If it is within the validity period, the process is continued, and the service provider inputs the service code of the service to be performed from now on (step 1206). The transaction device 104 includes the user ID 102
The number of registrations of the corresponding service recorded in the care plan area 504 is read (step 1207), and it is determined whether the number of registrations is greater than 0 (step 120).
8). If the number of registrations is larger than 0, it is displayed that the service can be performed (step 1209). If the service code is not registered or the number of registrations is 0 or less, the service cannot be performed. Is displayed (step 1210). In this way, by displaying whether the service that the service provider intends to perform matches the payment content, it is possible to assist the service provider in determining subsequent actions. The service provider implements the service when it is displayed that the service can be implemented. If it is displayed that the service cannot be performed, the user is asked whether to cancel the service or to use the service at his / her own expense, and follow the instructions.

FIG. 13 is a flowchart of the settlement process. When the service is completed, the co-payment will be settled. The service provider receives the user certificate 102 of the user, and inserts the user certificate 102 and the business card 103 into the transaction device 104 (step 1301). The transaction device 104 displays a process selection screen (step 130)
2). The business operator selects the settlement process (step 130)
3) Input the service code of the service to be performed (step 1304). The transaction device 104 subtracts 1 from the number of registrations of the corresponding service in the care plan area 504 of the user ID 102 (step 1305). If the service points of the service are registered, the points (unit price) corresponding to one service may be subtracted. It is determined whether the number of registrations or the remaining score after subtracting 1 or the score is 0 or more (step 1306), and if it is smaller than 0, the process is stopped (step 1307). However, the service may be carried out entirely at own expense. If it is 0 or more, the self-pay amount is calculated. The out-of-pocket amount is calculated from the unit price for each service, the out-of-pocket ratio, and the regional rate. The unit price for each service depends on the service code entered.
A search is made from the service type / unit price file 609 (step 1308). The self-pay ratio is read from the certification information area 503 of the user ID 102 (step 130).
9). As for the regional rate, a regional code included in the business code recorded in the business information area 902 of the business card 103 is read (step 1310), and the local code is searched from the local code / rate file 610 according to the local code (step 1310). 1311). Trading device 104
Calculates self-payment from these data (step 1
312), the amount corresponding to the amount is set in the cash area 5 of the
From 06, it is moved to the money area 904 of the business card 103 (step 1313). The out-of-pocket amount is calculated by the unit price of the service × the out-of-pocket ratio × the regional rate (yen / point). The transaction device 104 writes the date and time of use, the business code, the service code, and the copayment amount in the performance area 505 of the user ID 102 as the performance of this transaction (step 1314), and writes the result in the performance area 903 of the business card 103. Write the execution date and time, user number, service code, amount of receipt, and amount of claim for benefit (step 131)
5). The amount of receipt is equal to the out-of-pocket amount. As described above, the transaction device 104 calculates the transaction amount and the claim amount, so that the burden of calculating the amount on the business operator can be reduced and calculation errors can be prevented. In addition, fraud can be prevented because the transaction amount is not directly input. In the case of full self-pay, the user's share is the unit price of the service x
Calculated by regional rate. The payment of the fee may be subtracted from the balance of the money area 506 of the user ID 102, or may be performed by another method such as cash. If the remaining points of the service are registered in the care plan area 504, the remaining points minus points / times (unit price) are determined in step 1306.
Is smaller than 0, the self-pay amount can be calculated by the following equation. Out-of-pocket amount = remaining points x out-of-pocket ratio x regional rate (yen /
Points) + (service unit price-remaining points) x regional rate (yen /
If the balance in the money area 506 does not cover the self-paid amount, the balance in the money area 506 may be paid by electronic money, and the insufficient amount may be paid by another method such as cash.
Alternatively, the amount of the copayment amount may be paid by another method such as cash without paying by the balance of the money area 506.

The service provider submits performance information to the manager and receives payment. At this time, a check process is performed for the check payment by checking the use record of the user against the record submitted by the service provider. FIG. 14 is a flowchart of processing for recording the result information of the user ID 102 in the user DB 208, and FIG. 15 is a flowchart of examination processing.

The result information recording process will be described with reference to FIG. At the start of the process, the administrator terminal 201 displays a process selection screen (step 1401). The administrator selects the result information recording process, and inserts the user ID 102 into the card reader / writer 206 (step 1403). The card reader / writer 206 receives the result data recorded in the result area 505 of the received user certificate 102, and the manager terminal 201 records this data in the use result table 34 of the user DB 208 (step 1404).

The examination process will be described with reference to the flowchart of FIG. The administrator terminal 201 displays a process selection screen (step 1501). The administrator selects the examination process (step 1502), and inserts the business card 103 into the card reader / writer 206 (step 1503).
The card reader / writer 206 receives the result information recorded in the result area 903 of the received business card 103, and the manager terminal 201 sends this data and the user D
Matching with the result information of B208 (Step 1)
505). It is determined whether or not each data matches the result of the user DB 208 (step 1506), and the matched data is recorded in the benefit DB 209 (step 1).
507). The administrator performs payment processing based on the data recorded in the payment DB 209 (step 1508). User D
If there is no record information matching B208, a list is created and output (step 1509). By outputting a list of billing contents for which actual results cannot be confirmed, it becomes easy to find an unauthorized billing. The administrator checks the output data with the service provider,
An examination can be conducted.

A computer program for performing the examination process shown in FIG.
The data can be read into the storage device 203 via the driving device connected to the storage device 1 and executed by the central processing unit 202.

The above description has been made with reference to the payment of nursing care services as an example, but the present invention can also be applied to the management of payment contents of various services. For example, manage the intake of each nutrient in a hospital cafeteria, etc.
It is also applicable when paying. Further, the present invention is also applicable to the case of managing the number of units sold for each product in buying and selling a specific product.

[0027]

As described above, according to the present invention, since the upper limit is managed for each type of service, fine and appropriate management becomes possible. In addition, just by specifying the type of service by the attendant, the transaction device performs a series of computer processing from checking the upper limit score, calculating the self-payment amount and paying the expense, and avoids the inputting of money, posting, calculation, etc. by humans, Mistakes and unauthorized transactions can be prevented. Further, since the use record recorded on the user ID card is compared with the record recorded on the business card, it is possible to make a screening when paying a part of the cost to the service provider. Especially when considering nursing care services, since multiple service providers are involved in one care recipient and provide various services, it is important to accurately manage the contents of payment at the service site. become. Further, in order to protect the care recipient from fraud and reduce the risk of loss or the like due to carrying cash, automatic transactions by moving electronic money are desirable.

[Brief description of the drawings]

FIG. 1 is an overall view showing a relationship among an administrator, a user, and a service provider according to the present invention.

FIG. 2 is a configuration diagram of an administrator terminal according to the embodiment;

FIG. 3 is a data configuration diagram of a user DB 208 according to the embodiment.

FIG. 4 is a data configuration diagram of a payment DB 209 according to the embodiment.

FIG. 5 is a data configuration diagram of a user ID 102 according to the embodiment.

FIG. 6 is a configuration diagram of a transaction device 104 according to the embodiment.

FIG. 7 is a service type / unit price file 609 according to the embodiment.
FIG. 4 is a data configuration diagram of FIG.

FIG. 8 shows an area code / rate file 610 according to the embodiment.
FIG. 4 is a data configuration diagram of FIG.

FIG. 9 is a data configuration diagram of a business card 103 according to the embodiment.

FIG. 10 is a flowchart illustrating the operation of the administrator system during the user ID registration process of the embodiment.

FIG. 11 is a flowchart illustrating the operation of the transaction device during card information reference processing according to the embodiment.

FIG. 12 is a flowchart illustrating an operation of the transaction device during a care plan confirmation process according to the embodiment.

FIG. 13 is a flowchart illustrating the operation of the transaction device during the settlement process according to the embodiment.

FIG. 14 is a flowchart illustrating the operation of the administrator terminal during the result information recording process of the embodiment.

FIG. 15 is a flowchart illustrating the operation of the administrator terminal when performing the examination process according to the embodiment.

[Explanation of symbols]

102: User ID, 103: Business card, 104:
Transaction device, 201: administrator terminal, 208: user DB, 209: benefit DB

 ──────────────────────────────────────────────────続 き Continuation of the front page (72) Inventor Hideaki Sugimoto 2-2-2 Kagahara, Tsuzuki-ku, Yokohama-shi, Kanagawa Prefecture Inside the Hitachi, Ltd. Business System Development Center (72) Inventor Yasushi Ando 1-6-1 Shinsuna, Koto-ku, Tokyo No. 27, Hitachi, Ltd. Public Information Business (72) Inventor Seiji Mouri 1-6-1, Shinsuna, Koto-ku, Tokyo, Japan Inside Hitachi Public Information Business

Claims (5)

[Claims] Claims: 1. A user card storing information on an upper limit for each type of service that a user receiving service payment can receive and information on a business card of a service provider providing service payment. The upper limit number of the corresponding service type in the user card is checked in response to the read / write means and the service type input from the input means. If the upper limit number is equal to or more than the predetermined number, the predetermined number is subtracted from the upper limit number. The entered service type and co-payment amount are written in the user card, and the user identifier, the input service type, the co-payment amount, and the amount to be charged to the administrator are stored in the business card. An apparatus for handling a transaction for service payment, comprising: a processing means for writing. 2. A database for storing the type of service received and the copayment amount paid corresponding to the user identifier of the user who has received the service payment, and a service provider providing the service payment has the service payment. Means for reading the information of a business card for recording the user identifier performed, the type of service provided and the amount received, and referring to the database to pay the user for the same user identifier and the same service type. A device for managing a service payment for judging whether the out-of-pocket amount and the corresponding receipt amount on the business card are the same. 3. A computer program embodied on a computer-readable storage medium, the program comprising the following steps: (a) from a business card of a service provider providing service benefits; Read the identifier of the user who provided the service, the type of service provided and the amount received,
(B) A database is searched based on the read user identifier and the type of service provided to acquire the co-payment amount of the corresponding user, and (c) the user for the same user identifier and the same service type. A check is made to see if the out-of-pocket amount paid by the customer matches the corresponding receipt amount on the business card. 4. A user card for storing an upper limit number for each type of service that a user receiving a service payment can receive, a business card provided by a service business providing a service payment, and the user The card information and the business card information are read in. If the upper limit number in the user card is equal to or more than a predetermined number for the specified service type, a predetermined number is subtracted from the upper limit number to specify the specified service type. Write the co-payment amount obtained by multiplying the corresponding unit price by the co-payment ratio on the user card, and write the user's identifier, the type and receipt of the specified service and the amount to be charged to the manager on the business card. The transaction device to be written and the co-payment corresponding to the type of service recorded in the user card are read and stored in a database, and the information on the business card is read, A management device that refers to the database and examines whether the co-payment amount paid by the user for the same user identifier and the same service type matches the corresponding receipt amount on the business card. A service benefit management system, characterized in that: 5. A means for storing an upper limit number for each type of service that a user receiving service payment can receive, reading information on a user card for storing the balance of electronic money, Check the maximum number of applicable service types in the user card in response to the type,
An apparatus for handling transactions relating to service payment, comprising: a service payment if the upper limit number is equal to or more than a predetermined number, and processing means for permitting payment by the electronic money.