JPWO2010007680A1 - Medical expenses subsidy system by points - Google Patents

Abstract

As shown in FIG. 1, the medical expenses subsidy system A has a Web server 10 accessible via the Internet line 11 and a database, and the participating user 6 points the points given by the affiliated bank 5 to the medical points. The medical cost of the medical service received from the affiliated hospital 7 can be offset by the medical point and paid. As a result, the medical fee paid to the affiliated hospital 7 that received the medical service is offset by using the medical points to which the participating user 6 has allocated the points given by the affiliated bank 5 for the amount of money spent on the deposit account, The expenditure of the user 6 can be reduced.

Description

  The present invention relates to a medical cost subsidy system based on points.

The point management device of Patent Document 1 issues points according to the customer's purchase amount, and reduces the customer's purchase payment amount by returning points when the customer makes another purchase.
The point reduction program of Patent Document 2 uses a point to purchase a product on a shopping site other than a site to which points are given.
JP 2006-172504 A JP 2002-245316 A

  Since the techniques of Patent Documents 1 and 2 are added to the product price by the amount of points, customers are allowed to shop at a high price. In addition, there is a problem that points can be used only between shops that are affiliated with point reduction.

  The purpose of the present invention is to offset medical expenses paid to medical institutions that have received medical services by using medical points allocated by a financial institution at a predetermined ratio with respect to the amount of money used by a deposit account. The provision of a medical expenses subsidy system with points that can reduce the expenditure of users.

(About the invention according to claim 1)
The medical expenses subsidy system using points includes point management means, medical point management means, and money point management means.
The point management means obtains the point grant information given by the financial institution from the financial institution at a predetermined rate with respect to the amount of money used by the user's own deposit account, and obtains the user ID unique to the user. The given points are updated with a financial institution ID unique to the financial institution for each user ID.

  The medical point management means allocates a medical point assigned by a user having a user ID as a medical point to a medical person ID unique to the medical institution to a medical institution that plans to receive medical care within the range of his / her point. Acquire information from the medical institution and obtain medical point information from the medical institution regarding the offset medical points obtained by offsetting the user's medical expenses with the medical points. For each user ID, the medical institution ID of the medical institution A medical point is updated by attaching.

  The money point management means designates a point corresponding to a medical point allocated by a user to a medical institution having a medical person ID as a money point to be redeemed by a medical institution's cash request, and for each medical person ID, a financial institution The money point is updated with the ID.

(Invention pertaining to claim 2)
The point management means, the medical point management means, and the money point management means are provided in the Web server of the system management organization, and the Web server provides the point grant information from the financial institution side, the allocation information from the user side, and the offset amount. The medical point information from the medical institution side regarding the medical point and the cash request from the medical institution side are acquired through the Internet line.

  The financial institution grants points to the user at a predetermined rate with respect to the amount of money that the user uses the deposit account. This point grant information is sent from the terminal of the financial institution to the point management means of the Web server of the system management institution via the Internet line.

  The user shall provide the medical institution that is scheduled to receive medical care within the scope of his / her points (which can be grasped by accessing the point management means of the Web server via the Internet line from the user's terminal). Allocate as medical points to medical institution IDs unique to medical institutions. This allocation information is sent from the user's terminal to the point management means and medical point management means of the Web server of the system management organization via the Internet line.

  When offsetting the user's medical expenses with medical points, the medical institution accesses the Web server of the system management organization from the terminal of the medical institution via the Internet line, and the medical point of the user's medical person ID Confirm.

  When a user receives a medical service at a medical institution, the medical cost is offset by the medical point and the medical cost is free (medical point ≥ medical cost) or the difference is paid (medical point <medical cost) in the case of). The user cannot cash the medical points, and if the medical points> medical expenses, the medical expenses are free and the remaining medical points are carried over to the next time.

  The money point management means designates a point corresponding to a medical point allocated by a user to a medical institution having a medical person ID as a money point to be redeemed by a medical institution's cash request, and for each medical person ID, a financial institution The money point is updated with the ID.

  A medical institution having a medical person ID makes a cash request to a financial institution having a financial institution ID by accessing the Web server of the system management institution. When the medical institution requests money point cashing, the Web server requests the financial institution ID to pay. Note that when a medical institution having a medical institution ID requests a cash point for a financial institution with a financial institution ID, an update is performed to decrease the money point of the financial institution having a financial institution ID by the amount required for the cash institution.

(Invention pertaining to claim 3)
The points given to users of deposit accounts by financial institutions are given at a specified rate with respect to the user's deposit balance, or at a specified rate with respect to the deposit / withdrawal amount with the fee used by the user Or, it is given at a predetermined rate for cash withdrawal by the user.

(Invention of Claim 4)
The medical point of the user ID that can be used by the user may be used by the user's family in addition to the user.

(About the invention according to claim 1)
The medical expenses subsidy system by points is a configuration in which a financial institution gives points that can be allocated to users as medical points at a predetermined ratio with respect to the amount of money that the user has used a deposit account. In other words, since the point is not generated from the medical expenses paid to the medical institution, the medical expenses are not increased by the points.

  The medical expenses subsidy system by points uses the medical points allocated by the financial institutions at a predetermined ratio to the amount used by the deposit account, and pays the medical expenses paid to the medical institutions receiving medical services. Since it is the structure which cancels, the medical cost which a user pays to a medical institution can be reduced.

  Financial institutions need to give points to users at a predetermined rate with respect to the amount of money used by the deposit account. This is advantageous for acquiring new users and increases in the use of deposit accounts. I can plan.

  When a medical institution having a medical institution ID requests a cash server for a money point of a financial institution with a financial institution ID to the Web server of the system management institution, cash equivalent to the money point is received from the financial institution of the financial institution ID. Can be used as operating funds for medical product purchases. In many cases, cash is paid in advance from the financial institution before the user comes to receive the medical service of the medical institution.

(Invention pertaining to claim 2)
Data is centrally managed by the system management organization's Web server, and users, medical institutions, and financial institutions can access the Web server from terminals (PCs, mobile phones, etc.) that can be connected to the Internet line. Data (points, medical points, money points) can be updated in real time, and errors are unlikely to occur.

(Invention pertaining to claim 3)
If the points are given at a predetermined ratio to the deposit balance of the user, the user tends to increase the deposit amount, and the financial institution can increase the loan funds. Deposit interest may or may not be added.

If the points are given at a predetermined rate with respect to the deposit / withdrawal amount accompanied by the fee used by the user, the financial institution can cover the expense to contribute to the point with a part of the fee.
It seems that the deposit balance will decrease if it is given to the cash withdrawal by the user at a predetermined ratio, but the tendency for the user to use the deposit account for deposits such as salary will increase so that more cash can be withdrawn. .

(Invention of Claim 4)
The user's family can also reduce the medical expenses paid to the medical institution that received the medical care.

FIG. 1 is a block diagram illustrating a configuration of a medical cost subsidy system according to the first embodiment. FIG. 2 is an explanatory diagram showing the configuration of the medical expense subsidy system.

Explanation of symbols

1 System management company (system management organization)
2 point database (point management means)
3 medical point database (medical point management means)
4 Money point database (money point management means)
5 Partner banks (financial institutions)
6 Participating users 7 Partner hospitals (medical institutions)
10 Web server 11 Internet line A Medical expense subsidy system P, p Point MP Money point IP Medical point r ₁ , r ₂ User ID
b ₁ , b ₂ Bank ID (Financial institution ID)
B ₁ Bank H ₁ Hospital h ₁ Medical ID
R ₁ user

  The medical expenses subsidy system establishes a database by installing a Web server that can be accessed via the Internet, and the participating users allocate the points given by the affiliated banks to the medical points, and the medical services received from the affiliated hospitals. Medical expenses can be paid by offsetting medical points. This allows the participating users to offset the medical expenses paid to the partner hospital that received the medical service using the medical points allocated by the partner bank for the amount of money spent on the deposit account. User expenditure can be reduced.

A medical expenses subsidy system A according to Embodiment 1 (corresponding to claims 1 to 3) of the present invention will be described with reference to FIGS.
As shown in FIG. 1 and FIG. 2, a medical expenses subsidy system A is installed on a Web server 10 of a system management company 1 (system management organization), and includes a point database (point management means) 2 and a medical point database (medical point management). Means) 3 and a money point database (money point management means) 4.

The Web server 10 can be accessed from each terminal of the affiliate bank 5, the participating user 6, and the affiliate hospital 7 through the Internet line 11 using a unique ID and a unique PW.
The point database 2 of the Web server 10 stores cash from a dedicated deposit account of the bank B ₁ selected by, for example, the user R ₁ of the participating users 6 having a user ID unique to the user from the partner bank 5. The point B grant information given by the bank B ₁ at a predetermined rate with respect to the amount withdrawn is acquired from the bank B ₁ side via the Internet line 11, and a unique bank ID (bank B) is obtained for each user ID. ₁ bank ID = b ₁ ), and the point P that the user R ₁ can allocate to the medical point IP is accumulated (P = z + p; where z is a carry-over point).

  In this embodiment, the dedicated deposit account to which points p are given can be paid in salary, etc., but it is an interest-free dedicated account that cannot be withdrawn in order to maintain a minimum deposit balance of 500,000 yen. It is. In addition, in order to prevent the participating user 6 from withdrawing only for the purpose of increasing the point p, the number and amount of cash withdrawal per person may be limited.

  In this embodiment, the point p given to the participating user 6 by the affiliated bank 5 is 1 point for cash withdrawal, 100 yen, but the point p is added to the participating user 6 at a bank-specific predetermined ratio. You may do it.

The data communication between the terminal of the bank B ₁ and the point database 2 of the Web server 10 relating to the acquisition of the point p grant information granted by the bank B ₁ of the partner bank 5 is always connected to the Internet line 11. A method of accessing the Web server 10 in real time is preferable, but a method of appropriately connecting to the Web server 10 at a predetermined date and time may be used.
The flag of the point database 2 includes the user's name and its user ID (r ₁ , r ₂ ...), The bank name and its bank ID (b ₁ , b ₂ ...), And the medical care for each user. This is the numerical value of the point P that can be allocated to the point IP.

The medical point database (medical point management means) 3 is a mobile phone in which a user R ₁ of the participating users 6 can connect to the Internet line 11 as a user terminal as appropriate and access the Web server 10. within for example hospitals H ₁ affiliated hospital 7 scheduled to undergo medical services, when assigned as a medical point IP to the hospital H _1-specific medical person ID (eg h _1), the allocation information To get. The participants, for example, users R ₁ of the user 6, a medical point information concerning the medical expenses D to pay at the hospital H ₁ in response to the medical services to the hospital H ₁ to the medical point of offsetting amount was offset by a medical point IP, the Internet Obtained by always connecting to the line 11 and accessing the hospital terminal of the Web server 10. As a result, the medical point database 3, for each user _{ID (h 1, h 2 ...} ), are denoted by the medical profession ID of the hospital _{H 1 (r 1, r 2} ...), the medical point of user R ₁ Update the IP.

Specifically, when the user R ₁ assigned as a medical point IP of their point P = z + p total relative Hospital H _1, the medical staff ID in the hospital H ₁ (h ₁ hospital H ₁₎ The medical point IP of the user R ₁ in the medical person ID (h ₁ ) is Ip + z + p (Ip is a carry-over medical point).
The medical point database 3 includes a hospital name and its medical person ID (h ₁ , h ₂ ...), A user name and its user ID (r ₁ , r ₂ ...), And a user-specific ID. Medical point IP.

The money point database 4 (money point management means) 4 receives a point corresponding to the medical point IP assigned to the hospital H ₁ having the medical person ID, for example, by the user R ₁ of the participating user 6 in response to the hospital H ₁ cash request. Designated as money point MP that can be exchanged. When the participating user 6 assigns the medical point IP, the money point MP is updated by attaching the financial institution ID for each medical person ID.

Hospital H ₁ with a medical user ID is, when the realization request of the money point MP for the bank B ₁ of the financial institutions ID to the Web server 10, Web server 10 for the bank B ₁ of the financial institutions ID, money point worth Request to pay hospital H ₁ for the amount of money. When the cash request is made, the money point MP of the bank B ₁ of the medical person ID is updated to be reduced by the cash demand.

<Modification 1; corresponding to claim 4>
The medical point IP of the user ID that can be used by each participating user 6 may be used by the family of the participating user 6 in addition to the six participating users. With this configuration, the family of the participating user 6 can also reduce the medical expenses paid to the affiliated hospital 7 that received the medical service.

<Modification 2>
In order to promote the allocation to the medical point IP, the point p granted to the participating user 6 by the affiliated bank 5 may disappear after a predetermined period.

<Modification 3>
The system management company 1 may collect the system usage fee from the participating user 6, the affiliated bank 5, or the affiliated hospital 7 according to a fixed amount or the usage amount.

<Modification 4>
In addition to the affiliated hospital 7, a prescription pharmacy may be allowed to participate, and the medical cost as a medicine fee may be offset by the medical point IP.

  By using the medical points allocated by the financial institution to the users, it is possible to offset the medical expenses paid by the users to the medical institutions that have received medical treatment, thereby reducing the user's expenditure. It can also be used effectively to deepen cooperation between the financial industry and the medical industry.

Claims (4)

The points given to the user's unique user ID are obtained by obtaining from the financial institution the point grant information given by the financial institution at a predetermined rate relative to the amount of money that the user has used his / her deposit account. Point management means for updating each user ID with a financial institution ID unique to the financial institution;
The user having the user ID allocates the allocation information allocated as medical points to the medical institution specific to the medical institution to the medical institution scheduled to receive medical care within the range of his / her point The medical point information about the offset medical point obtained by offsetting the user's medical cost with the medical point is acquired from the medical institution side, and the medical institution ID of the medical institution is attached to each user ID. Medical point management means for updating the medical point,
A point corresponding to a medical point assigned to the partner medical institution having the medical person ID assigned by the user is designated as a money point to be redeemed by the medical institution's cash request, and for each medical person ID, a financial institution A medical cost subsidizing system using points comprising money point management means for updating the money points by attaching an ID. The point management means, the medical point management means, and the money point management means are provided in a Web server of a system management organization,
The Web server receives the point grant information from the financial institution side, the allocation information from the user side, the medical point information on the offset medical point from the medical institution side, and the cash request from the medical institution side. 2. The medical cost subsidy system according to claim 1, wherein the medical cost subsidy system is acquired through an internet line.   Points given to the user of the deposit account by the financial institution are given at a predetermined ratio to the deposit balance of the user or predetermined for the deposit / withdrawal amount accompanied by the fee used by the user The medical expenses subsidizing system according to claim 1 or 2, wherein the medical expenses are subsidized at a ratio or at a predetermined ratio with respect to cash withdrawal by the user.   The medical cost subsidizing system according to any one of claims 1 to 3, wherein the medical point of the user ID that can be used by the user can be used by the user's family in addition to the user.

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