KR100823000B1 - System and Method for Processing Information, Program Recording Medium - Google Patents

Abstract

The present invention relates to an information processing method and system, an information processing apparatus and a program recording medium therefor, and the information processing method according to the present invention includes receiving a predetermined text message when a request for approval of a medical fee processing fee is transmitted from a predetermined terminal. Receiving the message in a means, reading the received text in a predetermined text processing means, checking an insurance company and a financial company corresponding to the text, and transmitting the text to the identified insurance company server and the financial company server; Read the full text from an insurance company server, read card information and / or customer information, confirm customer insurance subscription information corresponding to the read card information and / or customer information, and, according to the verification result, Performing the medical expenses approval process according to the insurance treatment among the burdened medical expenses and reading the full text in the financial institution server; Read card information and / or customer information, check the balance of the account (or virtual account) corresponding to the read card information and / or customer information, and in accordance with the verification result, process insurance of the customer-burdened medical expenses And performing the remaining customer burden medical expenses approval process except for the medical expenses according to the present invention.

Medical expenses, insurance, card, account

Description

Information processing method and system and program recording medium therefor {System and Method for Processing Information, Program Recording Medium}

1 is a diagram illustrating a card issuing system for operating a private medical insurance according to an embodiment of the present invention.

2 is a diagram illustrating an MS card in which predetermined card information is stored according to an exemplary embodiment of the present invention.

3 is a diagram illustrating an IC card in which predetermined card information is stored according to an exemplary embodiment of the present invention.

4A, 4B, and 4C are diagrams illustrating virtual accounts for automatic settlement of medical expenses using private medical insurance provided in a financial system according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a process of issuing a card provided with a virtual account for the operation of the private medical insurance according to an embodiment of the present invention.

6 is a diagram illustrating a process of issuing a card having a virtual account for the operation of the private medical insurance according to another embodiment of the present invention.

7 is a diagram illustrating a process of issuing a card having a virtual account for the operation of the private medical insurance according to another embodiment of the present invention.

8 is a diagram illustrating a card issuing system for operating a private medical insurance according to another embodiment of the present invention.

9 is a diagram illustrating an MS card in which predetermined card information is stored according to another exemplary embodiment of the present invention.

10 is a diagram illustrating an IC card in which predetermined card information is stored according to another exemplary embodiment of the present invention.

11A, 11B, and 11C are diagrams illustrating a virtual account for automatic settlement of medical expenses using private medical insurance provided in a financial system according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a process of issuing a card associated with a virtual account for the operation of the private medical insurance according to an embodiment of the present invention.

13 is a diagram illustrating a process of issuing a card associated with a virtual account for the operation of the private medical insurance according to another embodiment of the present invention.

14 is a diagram illustrating a process of issuing a card associated with a virtual account for the operation of the private medical insurance according to another embodiment of the present invention.

15 is a diagram showing the configuration of a private health insurance operating system according to an embodiment of the present invention.

16 is a diagram showing the functional configuration of an insurance processing terminal according to an embodiment of the present invention.

17 is a diagram illustrating the insurance approval request full text structure according to an embodiment of the present invention.

18 is a diagram illustrating a process of requesting a private medical insurance settlement process according to an embodiment of the present invention.

19 is a diagram illustrating a process of approving a private medical insurance settlement process according to an embodiment of the present invention.

20 is a diagram illustrating a process of processing a private medical insurance settlement result according to an embodiment of the present invention.

21 is a diagram illustrating a process of requesting a private medical insurance settlement process according to another embodiment of the present invention.

22 is a diagram illustrating a process of approving a private medical insurance settlement process according to another embodiment of the present invention.

23 is a diagram illustrating a process of processing a private medical insurance settlement result according to an embodiment of the present invention.

24 is a diagram showing the configuration of a private health insurance operating system according to another embodiment of the present invention.

25 is a diagram showing the functional configuration of an insurance processing terminal according to another embodiment of the present invention.

26 is a diagram illustrating an insurance approval request full text structure according to another embodiment of the present invention.

27 is a diagram illustrating a process of requesting a private medical insurance settlement process according to an embodiment of the present invention.

28 is a diagram illustrating a process of approving a private medical insurance settlement process according to an embodiment of the present invention.

29 is a diagram illustrating a debit payment process of a customer payment amount according to one embodiment of the present invention.

30 is a diagram illustrating a process of processing a result of private medical insurance settlement according to an embodiment of the present invention.

31 is a diagram illustrating a process of requesting a private medical insurance settlement process according to another embodiment of the present invention.

32 is a diagram illustrating a process of approving a private medical insurance settlement process according to another embodiment of the present invention.

33 is a diagram illustrating a direct debit payment process of a customer payment amount according to another embodiment of the present invention.

34 is a diagram illustrating a process of processing a private medical insurance settlement result according to another embodiment of the present invention.

35 is a diagram showing the configuration of a private health insurance operating system according to another embodiment of the present invention.

36 is a diagram showing the functional configuration of an insurance processing terminal according to another embodiment of the present invention.

37 is a diagram illustrating an insurance approval request specialized structure according to another embodiment of the present invention.

38 is a diagram illustrating a process of requesting a private medical insurance settlement process according to an embodiment of the present invention.

39 is a diagram illustrating a process of approving a private medical insurance settlement process according to an embodiment of the present invention.

40 is a diagram illustrating a customer payment amount debit payment process of the insurance processing terminal according to an embodiment of the present invention.

41 is a diagram showing a customer payment amount debit payment process of the financial system according to an embodiment of the present invention.

42 is a diagram illustrating a process of processing a private medical insurance settlement result according to an embodiment of the present invention.

43 is a diagram illustrating a process of requesting a private medical insurance settlement process according to another embodiment of the present invention.

44 is a diagram illustrating a process of approving a private medical insurance settlement process according to another embodiment of the present invention.

45 is a diagram illustrating a customer payment amount debit payment process of an insurance processing terminal according to another embodiment of the present invention.

46 is a view showing a customer payment amount debit payment process of the financial system according to another embodiment of the present invention.

47 is a diagram illustrating a process of processing a private medical insurance settlement result according to another embodiment of the present invention.

48A, 48B, and 48C are diagrams illustrating a virtual account for automatic settlement of medical expenses using private medical insurance according to an embodiment of the present invention.

49 is a diagram showing the configuration of a private medical insurance settlement system according to an embodiment of the present invention.

50 is a diagram illustrating an information processing process for settlement of private medical insurance money according to the embodiment of the present invention.

51 is a view showing a private medical insurance settlement process according to the embodiment of the present invention.

<Description of main parts of drawing>

100: card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: virtual account opening unit 135: card issuing unit

140: storage medium 145: card issuing terminal

The present invention provides a card issuing application in the private medical insurance management system when a predetermined customer provides the card issuing application information for the private medical insurance operation according to the present invention to the private medical insurance operating system through a predetermined card issuing interface. On the basis of the information is characterized by issuing a card for automatic payment processing of medical expenses using a private medical insurance with a predetermined virtual account to the customer.

As the quality of life improves, the national medical insurance system is being implemented as part of the social security system. According to the National Health Insurance system, when a customer who has signed up for National Health Insurance has a medical insurance card and visits a hospital or a clinic, 70% of the medical service costs are paid by the National Health Insurance Corporation. It is assumed that the customer pays the percentage.

However, not only the number of diseases that are covered by the National Medical Insurance, but also diseases such as cancer, which are expensive for medical services, are excluded from the National Medical Insurance.

Therefore, the majority of citizens have at least one private medical insurance in addition to the national medical insurance, thereby providing insurance services for diseases not included in the national medical insurance, or those covered by the national medical insurance. If you want to receive better insurance services.

However, unlike the national medical insurance system, which requires only a health insurance card, private medical insurance is complicated by a plurality of insurers and the service method is not standardized. It includes uncomfortable problems.

It is an object of the present invention, when a request for payment of medical expenses processing approval request is sent from a predetermined terminal, the predetermined message receiving means receives it, and reads the received text from a predetermined text processing means, the insurance company corresponding to the text And confirming the financial company and transmitting the full text to the confirmed insurance company server and the financial company server, reading the full text from the insurance company server, reading card information and / or customer information, and reading the read card information and / or customer. Check the customer insurance subscription information corresponding to the information, and according to the result of the check, perform the medical expenses approval processing according to the insurance processing of the customer-burden medical expenses, read the full text in the financial company server, card information and / or customer information Read the balance, check the balance of the account (or virtual account) corresponding to the read card information and / or customer information, Depending on the check result, the information processing system and method for performing the remaining customer approval burden medical treatment other than the medical care according to the process of the customer to provide health care burden.

In the information processing system according to the present invention, a predetermined account (or virtual account) is opened to a customer for medical expenses settlement, and a predetermined card including account (or virtual account) information opened to the customer as a unique ID is described above. After it is issued to a customer, a predetermined terminal device generates a full-service medical expenses processing approval request message using the customer card information, and transmits the generated message, by reading the message transmitted by the terminal device, A relay server for checking an insurance company and a financial company corresponding to the network and transmitting the full text to the identified insurance company server and the financial company server; Read the full text transmitted by the relay server, read out the unique card ID, and confirm the customer information and / or customer insurance subscription information corresponding to the read unique ID, according to the confirmation result, An insurance company server for transmitting the medical expenses processing approval result according to insurance processing to the relay server; And reading the telegram transmitted by the relay server, reading a card unique ID, checking a balance of an account (or virtual account) included in the read unique ID, and according to the verification result, And a financial company server which transmits a result of approval of the treatment of the remaining customer-burdened medical expenses except the medical expenses according to insurance processing to the relay server.

In addition, the information processing system according to the present invention, a predetermined card that opens a predetermined account (or virtual account) for the settlement of medical expenses to the customer, and includes the account (or virtual account) information opened to the customer as a unique ID A financial company server for issuing the customer; When a predetermined terminal device generates a full-service medical expenses processing approval request full message using the customer card information, and transmits the generated full text, the terminal reads the full text transmitted by the terminal device to check an insurance company corresponding to the full text. And relay server for transmitting the full message to the confirmed insurance company server; And reading the full text transmitted by the relay server, reading a unique card ID, confirming customer information and / or customer insurance subscription information corresponding to the read unique ID, and according to the verification result, And an insurance company server for transmitting the approval result corresponding to the processing approval request to the relay server, wherein the insurance company server checks the account (or virtual account) information included in the card unique ID. Using the confirmed account (or virtual account) information, it is characterized in that the payment of medical expenses corresponding to the approval details to the account (or virtual account).

In addition, the information processing system according to the present invention, by opening a predetermined account (or virtual account) for the settlement of medical expenses to the customer, a predetermined card containing the account (or virtual account) information opened to the customer as a unique ID A financial company server for issuing the customer; When a predetermined terminal device generates a full-service medical expenses processing approval request full message using the customer card information, and transmits the generated full text, the terminal reads the full text transmitted by the terminal device to check an insurance company corresponding to the full text. A relay server for transmitting the full message to the confirmed insurance company server; And reading the full text transmitted by the relay server, reading a unique card ID, confirming customer information and / or customer insurance subscription information corresponding to the read unique ID, and according to the verification result, Insurance company server for transmitting the approval result corresponding to the processing approval request to the relay server, characterized in that the relay server, after checking the account (or virtual account) information included in the card unique ID, Using the confirmed account (or virtual account) information, it is characterized in that the payment of medical expenses corresponding to the approval details to the account (or virtual account).

In addition, the information processing system according to the present invention, opening a virtual account for medical expenses settlement, the medical account settlement request institution account as a mother account to the customer, the customer a predetermined card containing the virtual account information opened to the customer as a unique ID Issuing a financial company server; When a predetermined terminal device generates a full-service medical expenses processing approval request full message using the customer card information, and transmits the generated full text, the terminal reads the full text transmitted by the terminal device to check an insurance company corresponding to the full text. And a medical cost settlement requesting institution server for transmitting the full text to the confirmed insurance company server. And reading the full text transmitted from the medical expenses settlement requesting institution server, reading a card unique ID, confirming customer information and / or customer insurance subscription information corresponding to the read unique ID, and according to the verification result, An insurance company server for transmitting an approval result corresponding to a customer-burden medical expenses processing approval request to the medical expenses settlement requesting institution server; wherein the financial institution server corresponds to the approval details in the medical expenses settlement requesting institution account. When the medical expenses are deposited, the virtual account information included in the unique ID is confirmed, and then the medical expenses transferred to the virtual account are transferred to the virtual account using the checked virtual account information.

On the other hand, the information processing method according to the present invention, when the customer-directed medical expenses processing approval request message is transmitted from a predetermined terminal, receiving the predetermined message receiving means; Reading the received text in a predetermined text processing means, identifying an insurance company and a financial company corresponding to the text, and transmitting the text to the identified insurance company server and the financial company server; The insurance company server reads the full text, reads card information and / or customer information, checks customer insurance subscription information corresponding to the read card information and / or customer information, and according to the verification result, the customer burden Performing medical expenses approval processing according to insurance treatment among medical expenses; And reading the full text from a financial institution server, reading card information and / or customer information, checking a balance of an account (or virtual account) corresponding to the read card information and / or customer information, Accordingly, the step of performing a residual customer burden medical expenses approval processing except for the medical expenses according to the insurance treatment of the customer burden medical expenses; characterized in that it comprises a.

In addition, the information processing method according to the present invention, the financial institution server opens a predetermined account (or virtual account) for the settlement of medical expenses to the customer, and includes the account (or virtual account) information opened to the customer as a unique ID Issuing a predetermined card to the customer; When a predetermined terminal device generates a full-service medical expenses processing approval request full message using the customer card information, and transmits the generated full text, the relay server reads the full text transmitted by the terminal device and corresponds to the full text. Identifying an insurance company and transmitting the telegram to the confirmed insurance company server; And reading the full message transmitted from the relay server in the insurance company server, reading the card unique ID, confirming the customer information and / or the customer insurance subscription information corresponding to the read unique ID, and according to the verification result, Transmitting the approval result corresponding to the request for approval of the medical expenses processing to the relay server to the relay server; And depositing the medical expenses corresponding to the authorization details to the account (or virtual account) by using the account (or virtual account) information included in the card unique ID at the insurance company server or the relay server. Characterized in that made.

In addition, in the information processing method according to the present invention, a predetermined card including a virtual account for the medical expenses settlement, which has the medical account settlement request institution account as a parent account, at the financial company server, and includes the virtual account information opened to the customer as a unique ID. Issuing to the customer; When a predetermined terminal device generates a full-service medical expenses processing approval request full message using the customer card information, and transmits the generated full text, the full text transmitted by the terminal device is read by the medical expenses settlement requesting institution server, Identifying an insurance company corresponding to the, and transmitting the telegram to the confirmed insurance company server; An insurance company server reads the full text transmitted by the medical expenses settlement requesting institution server, reads out a card unique ID, checks customer information and / or customer insurance subscription information corresponding to the read unique ID, and according to the verification result. Transmitting the approval result corresponding to the medical expenses processing approval request to the medical expenses settlement requesting institution server; And when the medical expenses corresponding to the approval details are received into the medical expenses settlement requesting institution account, the virtual institution server confirms the virtual account information included in the unique ID, and then uses the confirmed virtual account information to the virtual account. And transferring the deposited medical expenses.

On the other hand, the present invention includes a recording medium which records a program for executing the above-described information processing method.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It's just

1 is a diagram illustrating a card issuing system for operating a private medical insurance according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer provides a card issuance application information for the operation of the private medical insurance according to the present invention to the private medical insurance management system through a predetermined card issuing interface, the private medical insurance operating system A system configuration for issuing a card for automatic settlement of medical expenses using a private medical insurance with a predetermined virtual account based on the card issuance application information provided, the general knowledge in the technical field to which the present invention belongs If the person having the present invention may refer to and / or modify the drawing 1 and infer various implementation methods for the card issuance system configuration for the operation of the private medical insurance, the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for issuing a predetermined card to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. The corresponding component is referred to as "card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the card issuing system for operating a private medical insurance according to the present invention issuing a card for automatic settlement of medical expenses using a predetermined private medical insurance to the customer. And a card issuing server 100, wherein the card issuing server 100 is provided at a predetermined financial institution, and / or is a private medical treatment for automatic settlement of medical expenses through the private medical insurance. It is possible that both are provided in the insurance management agency and / or at least one insurance company that provides private medical insurance services to the customer, whereby the present invention is not limited.

However, FIG. 1 illustrates that the card issuing server 100 is provided in the financial institution for efficient explanation of the present invention.

According to the present invention, the card issuing server 100 issuing a process (and / or after issuing a card) to the customer to issue a card for automatic settlement of medical expenses using a predetermined private medical insurance to the customer, the In order to automatically settle the medical expenses through the private medical insurance, it is characterized in that through the predetermined communication means and the financial system in which a predetermined virtual account corresponding to the card is opened.

Here, when the card issuing server 100 is provided in the financial institution, the card issuing server 100 is preferably linked to the financial system through a predetermined internal communication means (for example, our network), The card issuing server 100 is operated by an institution other than the financial institution (for example, an insurance company providing private medical insurance services to the customer, and / or a private medical insurance operation that handles automatic settlement of medical expenses through the private medical insurance). If the card issuing server 100, the card issuing server 100 is preferably linked to the financial system through a predetermined external communication means (for example, a financial common network, or a dedicated communication network with a security function).

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network through the IC chip-based wireless banking server) And / or at least one financial transaction via at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network). It provides IC chip-based non-face-to-face financial transaction service to customers.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that it is stored in association with.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the card issuing system is characterized in that it comprises an employee terminal used by the card issuing staff provided with at least one financial institution, and / or the card issuing system When the non-face-to-face card issuance application is supported, a client terminal including at least one of a wired terminal and / or a wireless terminal used by the customer is included. The employee terminal and / or the client terminal may be predetermined. The communication channel is connected to the card issuing server 100 provided on the private health insurance operating system through the network means.

According to one embodiment of the present invention, the customer visits the financial institution for private medical insurance operation according to the present invention and through the window provided in the financial institution (or through a card issuing staff) the private medical service. Complete a prescribed card issuance application for insurance management (e.g., a document with a form for filling in at least one information item for private health insurance management) (or the card issuing staff visits the customer and Have a customer fill out a predetermined card issuance application for the private medical insurance operation), and when the completed card issuance application is submitted to a card issuing staff, the card issuing staff is issued through the predetermined staff terminal. Enter (or select) the information entered in the application, and the employee terminal enters the entered (or selected) information It is preferable to transmit to the card issuing server 100 provided on the private medical insurance operating system through the network means.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the financial institution, the card issuing server 100 connected to the employee terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the employee terminal and the card issuing server 100 is a financial network (eg, our network) connecting the communication channel between the employee terminal and the card issuing server 100 It is preferable to comprise).

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 100 is viewed by the customer. Perform the function of the card issuing interface for registering the card issuing application information for the operation of the private medical insurance according to the invention.

According to another embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the card issuance server 100 through at least one client terminal, and through the at least one user interface provided by the card issuance server 100 to obtain card issuance application information for the operation of the private medical insurance according to the present invention. If input (or selected), it is preferable to transmit from the client terminal to the card issuing server 100 provided on the private medical insurance operating system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the card issuing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the card issuing server 100 and And / or the wireless network performs the function of the card issuing interface for the customer to register the card issuing application information for the operation of the private medical insurance according to the present invention.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 145, in addition to the employee terminal and / or client terminal, a predetermined financial network It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or service) further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network and / or provided in at least one or more institutions affiliated with the financial institution. ) (It may further comprise a not shown), to which the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 145 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 100 performs a function of a card issuing interface for the customer to register the card issuing application information for the private medical insurance operation according to the present invention, and / or When the card issuing terminal 145 is the call terminal (not shown), a wired telephone network and / or wireless connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 100. The telephone network performs the function of the card issuing interface for the customer to register the card issuing application information for the operation of the private medical insurance according to the present invention, and / or the card issuing terminal 145 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the card issuing server 100 performs a function of a card issuing interface for the customer to register the card issuing application information for the private medical insurance operation according to the present invention.

After the storage medium 140 provided on the private health insurance operating system according to the present invention issues a predetermined card to the customer based on the card issuing application information provided from the card issuing terminal 145, Characterized in that it stores the private medical insurance management information according to the card issuance, the private medical insurance operating information stored in the storage medium 140 is used for the private medical insurance operation according to the invention on the private medical insurance operating system do.

According to one embodiment of the present invention, the storage medium 140 is preferably provided in a DBMS on a predetermined financial system provided on the private medical insurance management system (or associated with the private medical insurance operating system). In this case, the storage medium 140 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database (not shown) associated with the ledger D / B, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 140 interoperates with a server (or device) that performs a predetermined information processing function using the private medical insurance operating information on the private medical insurance operating system. It is preferable that the DBMS is provided. In this case, the location where the storage medium 140 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 100 provided on the private medical insurance operating system according to the present invention is a generic term for the component of the private medical insurance operating system side connected to the card issuing terminal 145 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to the embodiment of the present invention, the card issuing server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined card issuing interface to the card issuing terminal 145 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 145 is an employee terminal connected to a predetermined financial network, the interface unit 105 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 1, the card issuing server 100 interworks with the interface unit 105 when a predetermined card issuing terminal 145 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 145 to the card issuing terminal 145. 110, an information receiving unit 115 for receiving predetermined card issuing application information transmitted from the card issuing terminal 145 through the user interface (or selected) in association with the interface unit 105; An information generation unit 125 for generating predetermined card information corresponding to a card to be issued to the customer based on the received card issuing application information, and the card information through a predetermined card issuing device; And a card issuing unit 135 for issuing a predetermined card, and an information storage unit 120 storing the private medical insurance operation information corresponding to the card issued to the customer in the storage medium 140. It is characterized by.

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 145 when a predetermined card issuing terminal 145 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 100 via the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 105 to the card issuing terminal 145 through the network means.

Thereafter, the card issuing terminal 145 inputs (or selects) the card issuing application information based on the user interface, and sends the card issuing application information to the card issuing server through the network means. Send to 100.

According to an embodiment of the present invention, when the card issuing terminal 145 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface provider 110 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 105. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105. .

The information receiving unit 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 145 through the user interface and transmits the same through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 125.

According to an embodiment of the present invention, the card issuing application information includes customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and insurance company information providing the private medical insurance service to the customer. It comprises at least one insurance product information subscribed to by the customer.

The information generating unit 125 generates predetermined card information to be provided in the card to the customer based on the card issuing application information received through the information receiving unit 115, wherein the card information is And at least one virtual account number for automatic settlement of medical expenses using private medical insurance, financial institution information on which the virtual account is opened, and insurance company information providing private medical insurance services to the customer.

According to an embodiment of the present invention, at least one direct payment function, and / or prepayment function, and / or credit payment function for the amount paid by the customer on a card for automatic settlement of medical expenses using the private medical insurance. In this case, the information generating unit 125 preferably generates at least one or more of direct debit information, and / or prepaid information, and / or credit payment information in the card information. The card issuance application information provided from the customer may include the debit payment application information (eg, the debit payment request information and the customer financial account information for the debit payment), and / or prepaid payment request information (eg, the prepaid payment request information and the Recharge amount information for prepayment, customer financial account information (and / or payment method information) to be recharged, and / or credit settlement Preferably, the application information further includes at least one or more application information (eg, credit payment request information and credit card company information to process the credit payment).

Here, the debit payment information is the financial account information (for example, financial account number to be associated with the financial institution information and the debit card) previously opened in the financial institution, and the debit card information associated with the financial account (for example , A debit card number or a check card number), and if the card issued to the customer is an IC card, the debit payment information (eg, financial account information and debit card information) is the IC chip. It is desirable to generate a debit card application structure (e.g., a file structure recorded in a memory provided in the IC chip for the debit card function) issued to the card.

In addition, the prepaid payment information may include predetermined prepaid card information (eg, prepaid card number) and / or charge amount information charged to the prepaid card. If the card issued to the customer is an IC card, In this case, the prepaid payment information (e.g., prepaid card information and / or charge amount information) is a prepaid card application structure issued to the IC chip (e.g., a file structure recorded in a memory equipped with the IC chip for prepaid card function). It is preferable to be generated as.

The credit settlement information may include predetermined credit card information and / or credit card company information corresponding to the credit card. If the card issued to the customer is an IC card, the credit settlement information ( For example, credit card information and / or credit card company information) is preferably generated with a prepaid card application structure (e.g., a file structure recorded in the IC chip equipped memory for prepaid card function) issued to the IC chip.

Those skilled in the art of the present invention, the card application corresponding to the direct debit information, and / or prepaid information, and / or credit payment information provided in the IC chip provided in the IC card Since the structure (for example, the file structure recorded in the memory provided with the IC chip) will be understood, a detailed description thereof will be omitted for convenience.

According to another exemplary embodiment of the present invention, the card information does not directly include the virtual account number, the financial institution information, and the insurance company information, and the card information is predetermined to be processed in association with the existing virtual account number, the financial institution information, and the insurance company information. It may include the card number (or unique ID number, or customer social security number), wherein the information generating unit 125 provides the card information (= card number) to the card issuing unit 135 to the card Issuing a card containing the information (= card number), and provides the virtual account number, financial institution information and insurance company information to the information storage unit 120 to include in the private medical insurance operation information, a predetermined storage medium It is possible to store at 140.

When the predetermined card information provided in the card is generated by the information generating unit 125, the card issuing unit 135 produces a card including the card information through a predetermined card issuing device (or the card). And the card information), and the card is provided (or delivered) to the customer.

If the card is an MS (Magnetic Stripe) card, the card issuing device includes a device for recording the card information on at least one MS track (eg, track I, track II, track III) provided in the card. In this case, the information generating unit 125 generates card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 135 generates at least one card information through the card issuing device. By recording on the above MS track, a predetermined card to be issued to the customer is issued.

Alternatively, if the card is an IC (Integrated Circuit) card, the card issuing device includes a device for recording the card information in a memory provided in the IC chip of the card, wherein the information generating unit 125 Generates the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 135 sends the card information through the card issuing device to the memory of the IC chip. By writing to the card, a predetermined card to be issued to the customer is issued.

The card produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer can use the card through the private medical insurance operating system according to the present invention. do.

Thereafter, the information storage unit 120 stores the card issuance request information received from the customer through the information receiving unit 115 and the customer information for receiving the card based on the card information, the card issued to the customer. The storage medium 140 stores private medical insurance operation information including corresponding card information (for example, information provided on a card issued to a customer) and at least one insurance company information corresponding to private medical insurance subscribed to by the customer. It is characterized by storing.

According to an embodiment of the present invention, when the storage medium 140 is provided to the insurance company, the private medical insurance operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for, the invention is not limited thereby.

Here, the private medical insurance management information is used to automatically settle in the private medical insurance a portion of the medical expenses to be paid by the customer at least one medical institution through the card on the private medical insurance operating system.

According to the present invention, when the card issuing server 100 issues a card for automatic settlement of medical expenses using a predetermined private medical insurance to the customer based on the card issuing application information (for example, the information generating unit). Card information including a predetermined virtual account number is generated by the user 125, and the virtual information included in the card information on the financial system is linked to a financial system provided to the financial institution through a predetermined communication means. Characterized in that it comprises a virtual account opening section for opening a virtual account corresponding to the account number.

According to an exemplary embodiment of the present invention, the virtual account is linked to the financial institution mother account to automatically settle a part of the medical expenses through the private medical insurance when the customer pays medical expenses at least one or more medical institutions. It is preferable to establish.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, according to the private medical insurance operating procedure according to the present invention to the insurance company corresponding to the private medical insurance subscribed by the customer An insurance company corresponding to the private medical insurance to which the customer subscribes when requesting to settle a predetermined medical expenses settlement amount (for example, a settlement amount corresponding to the private medical insurance among the medical expenses that the customer is required to pay to the medical institution). Deposits the medical expenses settlement amount into the financial institution mother account (or deposits a predetermined amount in the financial institution mother account, and requests the deposit of the medical expenses settlement amount into the virtual account of the customer); After withdrawing the medical expenses settlement amount from the financial institution's mother account and depositing it into the virtual account of the customer ( / Or if you have a virtual account of the customer a certain period of time after which the medical expense settlement amount of the deposit has elapsed), comprises the process of the withdrawal of the medical expenses settlement money from the virtual account of the customer deposits to the institution account.

According to another exemplary embodiment of the present invention, the virtual account is the mother's account of the private health insurance management institution to automatically settle a portion of the medical expenses through the private medical insurance when the customer pays medical expenses at least one or more medical institutions It is preferable to open in conjunction with.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, according to the private medical insurance operating procedure according to the present invention to the insurance company corresponding to the private medical insurance subscribed by the customer An insurance company corresponding to the private medical insurance to which the customer subscribes when requesting to settle a predetermined medical expenses settlement amount (for example, a settlement amount corresponding to the private medical insurance among the medical expenses that the customer is required to pay to the medical institution). Deposits the medical expenses settlement amount into the mother's account of the private health insurance management institution (or deposits a predetermined amount in the mother's account of the private insurance company, and then deposits the medical expenses settlement amount into the virtual account of the client. And correspondingly, the amount of the medical expenses settled from the mother account of the private health insurance management institution. After depositing into the virtual account of the client (and / or after a certain period of time after the medical expenses settlement amount is deposited into the virtual account of the client), withdraw the medical expenses settlement amount from the virtual account of the client And depositing into the medical institution account.

According to another exemplary embodiment of the present invention, the virtual account is registered by the customer to automatically settle a part of the medical cost through the private medical insurance when the customer pays medical expenses at least one or more medical institutions. It is desirable to open a partnership with an insurance company's mother account corresponding to private medical insurance.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, according to the private medical insurance operating procedure according to the present invention to the insurance company corresponding to the private medical insurance subscribed by the customer An insurance company corresponding to the private medical insurance to which the customer subscribes when requesting to settle a predetermined medical expenses settlement amount (for example, a settlement amount corresponding to the private medical insurance among the medical expenses that the customer is required to pay to the medical institution). And deposits the medical expenses settlement amount into the insurer's mother account (or deposits a predetermined amount in the insurance company's mother account, and then requests to deposit the medical expenses settlement amount into the virtual account of the customer). Withdraw the medical billing amount from the parent account and deposit it into the client's virtual account (and / or And after a certain period of time after the medical expenses settlement amount is deposited into the virtual account of the client), withdrawing the medical expenses settlement amount from the virtual account of the client and depositing the medical expenses into the medical institution account.

2 is a diagram illustrating an MS card in which predetermined card information is stored according to an exemplary embodiment of the present invention.

More specifically, Figure 2 is an embodiment of the MS card for storing the card information for the automatic settlement of medical expenses using a predetermined private medical insurance to the customer, the MS card shown in Figure 2 for convenience A case in which an MS card having a Track I storage area, a Track II storage area, and a Track III storage area stores card information according to the present invention in the Track II storage area. Those skilled in the art will be able to infer various implementation methods of providing the card information to at least one or more storage areas of the MS card by referring to and / or modifying the present invention. It includes all implementation methods and is not limited to the implementation methods illustrated in FIG.

According to the American Bank Association (ABA) standard, the track II storage area of the MS card can store up to 40 digits of 5-bit characters based on 75 bpi magnetic density, and start digits of one digit size (Start Sentinel). , SS, 0xB), Primary Account Number (PAN) field for storing up to 19 digits, Field Separator (FS, 0xD) with 1 digit size, Addition Data field and Discretionary Data) field, one digit end character (End Sentinel, ES, 0xF) and one digit long redundancy check (LRC).

Referring to FIG. 2, the card information is stored in a PAN field, an additional data field, and an arbitrary data field of the Track II storage area.

According to an embodiment of the present invention, the PAN field is preferably provided with the virtual account number, and / or the insurance company information corresponding to the private medical insurance to which the customer subscribes, and / or Alternatively, it is preferable to further include information on the financial institution in which the virtual account is opened (however, if the virtual account is opened only in a predetermined financial institution, the financial institution information may be omitted).

For example, the virtual account number of the customer is "123-12-1234-123", the insurance company information corresponding to the private medical insurance subscribed to the customer is "44", and the financial institution information in which the virtual account is opened is " 22 ", the PAN field is" 2244 1231 2123 4123 "in the order of financial institution information, insurance company information and virtual account number, or" 1231 2123 4123 2244 "in the order of virtual account number, financial institution information and insurance company information, or "2212 3121 2341 2344" in the order of financial institution information, virtual account information and insurance company information, or "4412 3121 2341 2322" in the order of insurance company information, virtual account information, and financial institution, which is not intended to limit the present invention. No.

3 is a diagram illustrating an IC card in which predetermined card information is stored according to an exemplary embodiment of the present invention.

More specifically, Figure 3 is an embodiment of the IC card for storing the card information for the automatic settlement of the medical expenses using a predetermined private medical insurance to the customer, this figure 3 for convenience of the contact IC card A case of storing card information according to the present invention in a memory, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing of FIG. Various implementation methods with information may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation methods illustrated in FIG.

With reference to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip's IC chip may include power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), and programming. An input / output interface 300 for communicating (eg, exchanging commands or data) with the call terminal 300 through a contact point such as a power supply (VPP) and / or an input / output (I / O), and a central process unit (CPU). , A processor unit 305 including at least one computing element including a micro process unit (MPU) and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and an EEPROM ( And a memory unit 310 including at least one memory device including an electrically erasable and programmable read only memory (FM), a flash memory (FM), and the like, and particularly, at least one of the memory devices (eg, a ROM) To manage and operate IC card internal resources An operating system (Chip Operating System; COS) is stored, the COS stored in the memory unit 310 when a predetermined power is supplied from the call terminal 300 through the power supply (VCC) contact point of the input and output interface 300 Is loaded into a predetermined execution memory to control the overall operation of the IC chip, and through the APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. Controls information or data exchange between the IC chip and the call terminal 300.

According to the present invention, the memory unit 310 of the IC chip terminates at least one or more programs of the programs loaded and loaded in the card terminal, and drives a specific program among a plurality of programs stored in the card terminal, Or a card application for executing a function for converting a screen configuration and / or a function set in the card terminal into a specific screen configuration and / or a specific function is stored, wherein the card application is read and read by the terminal program. And / or is driven or executed by a data unit 320 for storing a data set corresponding to predetermined information or data and an instruction set provided by a calculation function and a COS of the processor unit 305, Program routines used by the terminal program (eg Java Card In the case of acard), a processing unit 315 corresponding to an application including a command calling code that interacts with the instruction set of the COS and execution code that is processed by the processor unit 305 is a Java applet). In particular, the processing unit 315 reads a command provided from the terminal program via the input / output interface 300 through an APDU, and at least one stored in the data unit 320 based on the read command. The above information or data is read or recorded, and the result or read information or data is provided to the terminal program via the input / output interface 300 through an APDU.

According to a preferred embodiment of the present invention, the memory unit 310 of the IC chip includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 310 may include a chip serial number (CSN). And a protected area storing the same secret information, a COS control area, a user application area, a read / write access area, an application program area, a FAT (File Allocation Table) management area, and the like. It is preferably stored in an area except the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit 310 may include one master file (MF) corresponding to a root file, and a lower subordinate to the master file. An ATR (Aswer To Reset) including function information on at least one stored information, at least one dedicated file corresponding to each ICC stored information, and a dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, the card application for the present invention also comprises such a file structure.

Referring to FIG. 3, the data unit 320 of the card application includes a virtual account number for automatic settlement of medical expenses using private medical insurance, information on a financial institution in which the virtual account is opened, and a private medical insurance service to the customer. It comprises an element file for storing at least one insurance company information providing.

Further, when the card for automatic settlement of medical expenses using the private medical insurance is provided with at least one direct debit payment function for the payment amount of the customer, the IC card is a predetermined debit payment means for the debit payment function. When the information is provided in the form of the card application, and / or when the card is provided with at least one prepaid payment function for the payment amount of the customer, the IC card provides predetermined prepaid payment means information for the prepaid payment function. Is provided in the form of the card application, and / or when the card is provided with at least one credit settlement function for the payment amount of the customer, the IC card reads predetermined credit settlement means information for the credit settlement function. It is characterized in that it is provided in the form of a card application.

Those of ordinary skill in the art to which the present invention pertains understand the detailed technical features of the debit payment means information, and / or prepaid payment means information, and / or credit payment means information provided in the IC card. Since it will be, a detailed description thereof will be omitted for convenience.

4A, 4B, and 4C are diagrams illustrating a virtual account for automatic settlement of medical expenses using private medical insurance provided in a financial system according to an exemplary embodiment of the present invention.

In more detail, FIGS. 4A, 4B, and 4C are associated with a card for automatic settlement of medical expenses using private medical insurance issued to the customer through the card issuing system shown in FIG. As an example of a virtual account for automatic settlement of medical expenses using the private medical insurance provided, specifically, Figure 4a shows a virtual account for automatic settlement of medical expenses using the private medical insurance in connection with the financial institution mother account. 4b shows that a virtual account for automatic settlement of medical expenses using the private medical insurance is opened in connection with the mother account of the private health insurance management institution, and FIG. 4c shows the private account. Private account insurance for which the customer has a virtual account for automatic settlement of medical expenses using medical insurance It is shown that is opened in conjunction with the insurance company corresponding to the account.

Those skilled in the art to which the present invention pertains, the card for the automatic settlement of medical expenses using the private medical insurance issued to the customer by referring to and / or modified to the drawings 4a, 4b and 4c It can be inferred from the various implementation methods for the virtual account for the automatic settlement of medical expenses using the private medical insurance provided on the financial system in connection with the present invention, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in this figure 4a, 4b, and 4c.

Referring to FIG. 4A, the ledger D / B on the financial system includes a predetermined financial institution mother account and at least one customer virtual account linked to the mother account for the automatic settlement of medical expenses using the private medical insurance. It is done by

Here, the financial institution mother account is a real account opened in the financial institution for the automatic settlement of medical expenses using the private medical insurance, each insurance company when the automatic settlement of medical expenses using the private medical insurance, Deposit the private medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the client to the institution mother account, and the virtual account information and the private medical insurance settlement amount to be finally deposited the private medical insurance settlement amount (or the insurance payment amount). Provides information about the medical institution whose settlement (or amount paid) will be settled.

In addition, the financial institution mother account is processed in conjunction with at least one virtual account for the automatic settlement of medical expenses using the private medical insurance, each insurance company for the automatic settlement of medical expenses using the private medical insurance When depositing the private medical insurance settlement amount (or insurance payment amount) of the client's medical expenses to the financial institution mother account, the deposited private medical insurance settlement amount (or insurance payment amount) is automatically transferred to the customer virtual account.

According to another exemplary embodiment of the present invention, the insurer may pre-deposit an amount corresponding to the private medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the customer in the financial institution mother account, wherein each insurance company Provides the financial institution (or financial system) with the virtual account information to which the private medical insurance settlement amount (or insurance payment amount) will be finally deposited and the medical institution information for which the private medical insurance settlement amount (or insurance payment amount) is settled. In this way, the settlement amount (or the payment amount) of the private medical insurance of the customer among the amounts deposited in the mother account of the financial institution is automatically transferred to the customer virtual account.

Referring to FIG. 4B, the ledger D / B on the financial system includes a predetermined private medical insurance management institution mother account and at least one customer virtual account linked to the mother account for automatic settlement of medical expenses using the private medical insurance. Including the account.

Here, the mother account of the private health insurance management institution is a real account opened in the financial institution for the automatic settlement of medical expenses using the private medical insurance, each insurance company when the automatic settlement of medical expenses using the private medical insurance And deposits the private medical insurance settlement amount (or insurance payment amount) of the client's medical expenses into the mother account of the private medical insurance management institution, and the virtual account information to which the private medical insurance settlement amount (or insurance payment amount) is finally deposited. The private medical insurance settlement amount (or insurance payment amount) provides information on the medical institution to be settled.

In addition, the private health insurance management institution mother account is linked to at least one customer virtual account for the automatic settlement of medical expenses using the private medical insurance, and each of the automatic settlement of medical expenses using the private medical insurance When the insurer deposits the private medical insurance settlement amount (or the insurance payment amount) of the client's medical expenses into the mother account of the private medical insurance management institution, the deposited private medical insurance settlement amount (or the insurance payment amount) is the customer virtual account. Direct debit is processed.

According to another exemplary embodiment of the present invention, the insurer may pre-deposit an amount corresponding to the private medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the customer in the mother account of the private medical insurance management institution. When each insurer is settled to the financial institution (or financial system), the virtual account information to which the private medical insurance settlement amount (or the payment amount) is finally deposited and the private medical insurance settlement amount (or the payment amount) are settled. The medical institution information is provided, and the settlement amount (or the payment amount) of the client's private medical insurance is automatically transferred to the client's virtual account among the amounts deposited in the mother's account of the private insurance company.

Referring to FIG. 4C, the ledger D / B on the financial system includes at least one insurance company mother account for each insurance company for automatic settlement of medical expenses using the private medical insurance, and at least one customer virtual account linked to the mother account. It is made, including.

Here, the insurer mother account is a real account opened in the financial institution for the automatic settlement of medical expenses using the private medical insurance, when the automatic settlement of medical expenses using the private medical insurance, each insurance company is the insurance company And deposit the private medical insurance settlement amount (or insurance payment amount) of the client's medical expenses, and the private medical insurance settlement amount (or insurance payment amount) is finally deposited and the virtual account information and the private medical insurance settlement amount (or Provides information about the medical institution whose benefits will be settled.

In addition, the insurance company parent account is linked to at least one customer virtual account for the automatic settlement of medical expenses using the private medical insurance, the insurance company in each insurance company for the automatic settlement of medical expenses using the private medical insurance When depositing the private medical insurance settlement amount (or insurance payment amount) of the client's medical expenses into the mother account, the deposited private medical insurance settlement amount (or insurance payment amount) is automatically transferred to the customer virtual account.

According to another exemplary embodiment of the present invention, the insurer may pre-deposit an amount corresponding to the private medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the client in the insurance company mother account, wherein each insurance company Provides the virtual account information to which the private medical insurance settlement amount (or insurance payment amount) will be finally deposited to the financial institution (or financial system) and the medical institution information to which the private medical insurance settlement amount (or insurance payment amount) is settled. Accordingly, the settlement amount (or the payment amount) of the private medical insurance of the customer among the amounts deposited in the insurance company mother account is automatically transferred to the virtual account of the customer.

5 is a diagram illustrating a process of issuing a card having a virtual account for the operation of the private medical insurance according to an embodiment of the present invention.

In more detail, in FIG. 5, in the card issuing system shown in FIG. 1, a predetermined customer issues a predetermined card issuance interface (e.g., at least one card issuance application, an employee terminal and a network means, or a wired terminal and / or a wireless terminal. When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application is made by the card issuing server 100. Regarding the process of issuing a predetermined card based on the information, a person having ordinary knowledge in the technical field to which the present invention belongs will issue the card for private medical insurance operation by referring to and / or modifying the drawing 5. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, the implementation method shown in FIG. It shall not be limited.

For example, FIG. 5 illustrates that the card is manufactured and provided (or shipped) to the customer, and then stored in the storage medium 140 to store predetermined private medical insurance management information. The process of storing predetermined private medical insurance operation information in the storage medium 140 may be performed before the card is manufactured or before the card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 5, the card issuing terminal 145 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 5, in order to obtain the card for the private medical insurance operation, the customer prepares a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface, and / or When the card issuing system shown in FIG. 1 supports a non-face-to-face card issuing application, the customer inputs (or selects) predetermined card issuing application information through a predetermined client terminal, and then a predetermined card issuing interface. Provides the card issuing application information to the server through (500).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the card issuing application information provided to the server through the card issuing interface is the customer information of the card issuing customer, card product information corresponding to the card issued to the customer, and provides the private medical insurance service to the customer Including at least one insurance company information and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (505).

Here, the card issuance validity check is preferably made including the process of confirming whether the customer has subscribed to the at least one insurance company private medical insurance.

For example, in the card issuance validity checking process, the server provides customer information (and / or insurance product information) included in the card issuance application information to an insurance company corresponding to the insurance company information included in the card issuance application information. The insurance company may include a process of confirming whether the customer has at least one or more insurances corresponding to the private medical insurance.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one insurance company information and customer information of the insurance company's private medical insurance, the server includes insurance company information included in the card issuance application information. And using the customer information (and / or insurance product information) to determine whether the customer has at least one insurance plan corresponding to the private medical insurance subject from the database.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (510), the server provides the card issuing error information to the customer through the card issuing interface (515), Stop issuing the card to the customer.

If the validity to issue the card to the customer is authenticated through the card issuing application information (510), the server generates predetermined card information corresponding to the card to be issued to the customer based on the card issuing application information. (520).

The card information may include at least one virtual account number for automatic settlement of medical expenses using private medical insurance, information on a financial institution in which the virtual account is opened, and at least one insurance company providing private medical insurance services to the customer. It is preferable to make it.

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server produces a predetermined card with the card information through a predetermined card issuing device and provides (or delivers) the predetermined card to the customer (525).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to comprise a.

According to another embodiment of the present invention, if the card is an IC card, the card issuing device preferably includes an apparatus for recording the card information in a memory provided in the IC chip of the card.

Thereafter, the server generates predetermined private medical insurance management information through the card issuing application information and the generated card information provided from the customer through the card issuing interface (530), and stores the private medical insurance operating information. The data is stored in the storage medium 140 (535).

Here, the private medical insurance operation information is customer information for issuing the card, card information corresponding to the card issued to the customer (for example, information provided in the card issued to the customer), private medical insurance subscribed to the customer It is preferable that at least one insurance company information corresponding to the at least one.

According to an embodiment of the present invention, when the storage medium 140 is provided to the insurance company, the private medical insurance operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for, the invention is not limited thereby.

According to an embodiment of the present invention, the storage medium 140 is provided in a DBMS on a predetermined financial system provided on the private medical insurance management system (or associated with the private medical insurance operating system), and / or Preferably, the private medical insurance management system is provided in a predetermined DBMS linked with a server (or device) that performs a predetermined information processing function using the private medical insurance operating information.

In addition, the private medical insurance operation information stored in the storage medium 140 is automatically settled in the private medical insurance part of the medical expenses that the customer to pay at least one medical institution through the card on the private medical insurance management system Used to process

6 is a diagram illustrating a process of issuing a card having a virtual account for the operation of the private medical insurance according to another embodiment of the present invention.

In more detail, in FIG. 6, in the card issuing system shown in FIG. 1, a predetermined customer is provided with a predetermined card issuing interface (e.g., at least one card issuing application, employee terminal and network means, or wired terminal and / or wireless terminal). When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. In the process of issuing a card issued to the customer based on the private medical insurance, after the application of the private medical insurance, a predetermined debit payment function for the customer to pay the final payment to the predetermined medical institution. As those skilled in the art to which the present invention pertains, those of ordinary skill in the art can refer to and / or modify this drawing. W for private health insurance operation would be able to infer the various exemplary method of issuing the card, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 6.

For example, FIG. 6 illustrates that the card is manufactured and provided (or shipped) to the customer, and then stored in the storage medium 140 to store predetermined private medical insurance management information. The process of storing predetermined private medical insurance operation information in the storage medium 140 may be performed before the card is manufactured or before the card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 6, the card issuing terminal 145 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 6, in order to obtain the card for the private medical insurance operation, the customer prepares a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface, and / or When the card issuing system shown in FIG. 1 supports a non-face-to-face card issuing application, the customer inputs (or selects) predetermined card issuing application information through a predetermined client terminal, and then a predetermined card issuing interface. The card issuance application information is provided to the server through 600.

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the card issuing application information provided to the server through the card issuing interface is the customer information of the card issuing customer, card product information corresponding to the card issued to the customer, and provides the private medical insurance service to the customer Including at least one insurance company information and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (605).

Here, the card issuance validity check is preferably made including the process of confirming whether the customer has subscribed to the at least one insurance company private medical insurance.

For example, in the card issuance validity checking process, the server provides customer information (and / or insurance product information) included in the card issuance application information to an insurance company corresponding to the insurance company information included in the card issuance application information. The insurance company may include a process of confirming whether the customer has at least one or more insurances corresponding to the private medical insurance.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one insurance company information and customer information of the insurance company's private medical insurance, the server includes insurance company information included in the card issuance application information. And using the customer information (and / or insurance product information) to determine whether the customer has at least one insurance plan corresponding to the private medical insurance subject from the database.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (610), the server provides card issuing error information to the customer through the card issuing interface (615), Stop issuing the card to the customer.

If the validity to issue the card to the customer is authenticated through the card issuing application information (610), the server generates predetermined card information corresponding to the card to be issued to the customer based on the card issuing application information. (620).

The card information may include at least one virtual account number for automatic settlement of medical expenses using private medical insurance, information on a financial institution in which the virtual account is opened, and at least one insurance company providing private medical insurance services to the customer. It is preferable to make it.

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server validates whether the card issued to the customer can have a predetermined direct debit function for debiting the customer payment amount to be paid to the predetermined medical institution after applying the private medical insurance. To confirm (625), it is preferable that the card issuance application information provided from the customer further comprises the debit payment application information for this purpose.

Here, the validity check of the direct debit function is at least one customer financial account that can be processed in connection with the direct debit function on the financial system based on the debit payment application information included in the card issuance application information. It is desirable to include at least one process of checking whether the bank account is already opened and a process of checking whether the customer financial account is an activated financial account (or not a dormant account).

If the card cannot be provided with a predetermined direct debit function that allows the customer to directly debit the payment amount of the customer to be finally paid to a predetermined medical institution after applying the private medical insurance (630), the server provides a predetermined card. A predetermined card having the card information is produced through the issuing device and provided (or delivered) to the customer (645).

On the other hand, if the card can be provided with a predetermined direct debit function that allows the customer to process a direct payment of the customer's payment due to the final payment to a predetermined medical institution after applying the private medical insurance (630), the server issues the card. Generating predetermined debit payment information for providing the debit payment function through the card based on the application information (635), and the medical care of the customer through the debit payment function provided in the card in connection with the financial system After the private medical insurance is applied to the expenses, the direct payment information and the customer's financial account are linked to the customer's final payment to the predetermined medical institution in order to process the direct payment (640). Produces a predetermined card having the card information and the direct debit information through the customer to provide (or (645).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device stores the card information (and / or information) in at least one or more MS tracks (e.g., track I, track II, track III) included in the card. It is preferable to include a device for recording direct debit information).

According to another embodiment of the present invention, if the card is an IC card, the card issuing apparatus includes an apparatus for recording the card information (and / or direct debit information) in a memory provided in the IC chip of the card. It is preferable.

Thereafter, the server generates predetermined private medical insurance management information through the card issuing application information and the generated card information provided from the customer through the card issuing interface (650), and the private medical insurance operating information is stored. The data is stored in the storage medium 140 (655).

Here, the private medical insurance operation information is customer information for issuing the card, card information corresponding to the card issued to the customer (for example, information provided in the card issued to the customer), private medical insurance subscribed to the customer It is preferable that at least one insurance company information corresponding to the at least one.

When the storage medium 140 is provided to the insurer according to the method of the present invention, the private medical insurance operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for, by which the present invention is not limited.

According to an embodiment of the present invention, the storage medium 140 is provided in a DBMS on a predetermined financial system provided on the private medical insurance management system (or associated with the private medical insurance operating system), and / or Preferably, the private medical insurance management system is provided in a predetermined DBMS linked with a server (or device) that performs a predetermined information processing function using the private medical insurance operating information.

In addition, the private medical insurance operation information stored in the storage medium 140 is automatically settled in the private medical insurance part of the medical expenses that the customer to pay at least one medical institution through the card on the private medical insurance management system Used to process

7 is a diagram illustrating a process of issuing a card having a virtual account for the operation of the private medical insurance according to another embodiment of the present invention.

In more detail, in FIG. 7, a predetermined customer may use a card issuance interface (eg, a card issuance application, an employee terminal and a network means, or a wired terminal and / or a wireless terminal) in the card issuing system shown in FIG. 1. When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through a client terminal and a network means including one or more), the card issuing application is performed by the card issuing server 100. The card issuing to the customer based on the information, the process of issuing a predetermined prepayment function for the prepayment of the customer payment amount to be paid to the predetermined medical institution after the application of the private medical insurance to the predetermined medical institution As regards the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. In order to be able to infer various implementation methods for issuing the card for private medical insurance operation, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, if a person having ordinary knowledge in the technical field to which the present invention belongs, the customer is a predetermined medical institution after applying the private medical insurance to the card issued to the customer through the implementation method shown in Figures 6 and 7 It would be possible to infer an implementation method further comprising a predetermined credit settlement function for crediting the customer payment amount to be finally paid to the present invention. However, the present invention includes an implementation method including the credit settlement function, whereby The present invention is not limited.

In addition, FIG. 7 illustrates that the card is manufactured and provided (or delivered) to the customer, and then stored as the private medical insurance operation information in the storage medium 140. However, according to the intention of the skilled person The process of storing predetermined private medical insurance operation information in the storage medium 140 may be performed before the card is manufactured or before the card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 7, the card issuing terminal 145 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 7, in order to obtain the card for the private medical insurance operation, the customer prepares a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface, and / or When the card issuing system shown in FIG. 1 supports a non-face-to-face card issuing application, the customer inputs (or selects) predetermined card issuing application information through a predetermined client terminal, and then a predetermined card issuing interface. The card issuance application information is provided to the server through 700.

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the card issuing application information provided to the server through the card issuing interface is the customer information of the card issuing customer, card product information corresponding to the card issued to the customer, and provides the private medical insurance service to the customer Including at least one insurance company information and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (705).

Here, the card issuance validity check is preferably made including the process of confirming whether the customer has subscribed to the at least one insurance company private medical insurance.

For example, in the card issuance validity checking process, the server provides customer information (and / or insurance product information) included in the card issuance application information to an insurance company corresponding to the insurance company information included in the card issuance application information. The insurance company may include a process of confirming whether the customer has at least one or more insurances corresponding to the private medical insurance.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one insurance company information and customer information of the insurance company's private medical insurance, the server includes insurance company information included in the card issuance application information. And using the customer information (and / or insurance product information) to determine whether the customer has at least one insurance plan corresponding to the private medical insurance subject from the database.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (710), the server provides the card issuing error information to the customer through the card issuing interface (715), Stop issuing the card to the customer.

If the validity to issue the card to the customer is authenticated through the card issuing application information (710), the server generates predetermined card information corresponding to the card to be issued to the customer based on the card issuing application information. 720.

Here, the card information includes at least one virtual account number for the automatic settlement of medical expenses using private medical insurance, financial institution information on which the virtual account is opened, and at least one insurance company information providing the private medical insurance service to the customer. It is preferable to make it.

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server validates whether the card issued to the customer can be provided with a predetermined prepayment function for prepaying the customer payment amount to be finally paid to a predetermined medical institution after applying the private medical insurance. In order to confirm (725), it is preferable that the card issuance application information provided from the customer further includes the prepaid application information.

Here, the validation of the prepaid payment function may include: a process of filling a prepaid payment amount in the prepaid payment function in association with a financial system based on the prepaid payment application information included in the card issuance application information ( For example, when the charged amount is charged from the customer's financial account, the step of checking whether the amount to charge the charged amount is deposited in the customer financial account, the charge amount is charged from the customer's payment means In this case, it is preferable to include at least one) a process of checking whether the charge amount can be charged through the customer payment means.

If the card cannot be provided with a predetermined prepayment function for prepaying the customer payment amount to be paid to the predetermined medical institution after the application of the private medical insurance (730), the server provides a predetermined card A predetermined card having the card information is produced through the issuing device and provided (or delivered) to the customer (745).

On the other hand, if the card can be provided with a predetermined prepayment function to allow the customer to prepay the amount of the customer's final payment to a predetermined medical institution after applying the private medical insurance (730), the server issues the card. Generate predetermined prepaid information for providing the prepaid payment function through the card based on the application information (735), and a predetermined amount of money is charged to the prepaid payment function provided in the card in connection with the financial system. After processing to charge (740), a predetermined card having the card information and the prepaid payment information is produced through a predetermined card issuing device and provided (or shipped) to the customer (745).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device may include the card information (and / or information) on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to include an apparatus for recording prepaid information).

According to another embodiment of the present invention, if the card is an IC card, the card issuing device includes an apparatus for recording the card information (and / or prepaid payment information) in a memory provided in the IC chip of the card. It is preferable.

Thereafter, the server generates predetermined private medical insurance management information through the card issuing application information and the generated card information provided from the customer through the card issuing interface (750), and the private medical insurance operating information is stored. The storage medium 140 stores the stored data (755).

Here, the private medical insurance operation information is customer information for issuing the card, card information corresponding to the card issued to the customer (for example, information provided in the card issued to the customer), private medical insurance subscribed to the customer It is preferable that at least one insurance company information corresponding to the at least one.

According to an embodiment of the present invention, when the storage medium 140 is provided to the insurance company, the private medical insurance operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for, the invention is not limited thereby.

According to an embodiment of the present invention, the storage medium 140 is provided in a DBMS on a predetermined financial system provided on the private medical insurance management system (or associated with the private medical insurance operating system), and / or Preferably, the private medical insurance management system is provided in a predetermined DBMS linked with a server (or device) that performs a predetermined information processing function using the private medical insurance operating information.

In addition, the private medical insurance operation information stored in the storage medium 140 is automatically settled in the private medical insurance part of the medical expenses that the customer to pay at least one medical institution through the card on the private medical insurance management system Used to process

8 is a diagram illustrating a card issuing system for operating a private medical insurance according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a predetermined customer provides card issuance application information for operating a private medical insurance according to the present invention to a private medical insurance operating system through a predetermined card issuing interface, the private medical insurance operating system provides the above information. A system configuration for issuing a card for automatic payment processing of medical expenses using a private medical insurance associated with a predetermined virtual account based on the card issuance application information provided, the general knowledge in the technical field to which the present invention belongs If the person having the present invention may refer to and / or modify this drawing 8, it is possible to infer various implementation methods for the configuration of the card issuance system for the operation of the private medical insurance, but the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for issuing a predetermined card to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. The corresponding component is referred to as "card issuing server 100" for convenience.

Referring to this figure 8 according to the embodiment of the present invention, the card issuing system for the operation of the private medical insurance according to the present invention, issuing a card for the automatic settlement of medical expenses using a predetermined private medical insurance to the customer And a card issuing server 100, wherein the card issuing server 100 is provided at a predetermined financial institution, and / or is a private medical treatment for automatic settlement of medical expenses through the private medical insurance. It is possible that both are provided in the insurance management agency and / or at least one insurance company that provides private medical insurance services to the customer, whereby the present invention is not limited.

However, FIG. 8 illustrates that the card issuing server 100 is provided in the financial institution for efficient explanation of the present invention.

According to the present invention, the card issuing server 100 issuing a process (and / or after issuing a card) to the customer to issue a card for automatic settlement of medical expenses using a predetermined private medical insurance to the customer, the In order to automatically settle the medical expenses through the private medical insurance, it is characterized in that through the predetermined communication means and the financial system in which a predetermined virtual account corresponding to the card is opened.

Here, when the card issuing server 100 is provided in the financial institution, the card issuing server 100 is preferably linked with the financial system through a predetermined internal communication means (for example, our network), The card issuing server 100 is an institution other than the financial institution (e.g., an insurance company that provides private medical insurance services to the customer, and / or a private medical insurance operating institution that handles automatic settlement of medical expenses through the private medical insurance). Etc.), the card issuing server 100 is preferably linked to the financial system through a predetermined external communication means (for example, a financial common network, or a dedicated communication network with a security function).

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a Personal Computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to customers.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through terrestrial DMB terminals).

Referring to FIG. 8, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

Referring to this figure 8 according to the embodiment of the present invention, the card issuance system is characterized in that it comprises an employee terminal used by the card issuing staff provided with at least one financial institution, and / or the card issuing system When the non-face-to-face card issuance application is supported, a client terminal including at least one of a wired terminal and / or a wireless terminal used by the customer is included. The employee terminal and / or the client terminal may be predetermined. The communication channel is connected to the card issuing server 100 provided on the private health insurance operating system through the network means.

According to one embodiment of the present invention, the customer visits the financial institution for the private medical insurance operation according to the present invention and through the window provided in the financial institution (or through the card issuing staff) the private medical insurance Complete a prescribed card issuance application (e.g., a document with a form for filling in at least one item of information for the operation of private health insurance) and / or the card issuing staff visits the customer Have a customer fill out a predetermined card issuance application for the private medical insurance operation), and when the completed card issuance application is submitted to a card issuing staff, the card issuing staff is issued through the predetermined staff terminal. Enter (or select) the information entered in the application, and the employee terminal enters the entered (or selected) information It is preferable to transmit to the card issuing server 100 provided on the private medical insurance operating system through the network means.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the financial institution, the card issuing server 100 connected to the employee terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the employee terminal and the card issuing server 100 is a financial network (eg, our network) connecting the communication channel between the employee terminal and the card issuing server 100 It is preferable to comprise).

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 100 is viewed by the customer. Perform the function of the card issuing interface for registering the card issuing application information for the operation of the private medical insurance according to the invention.

According to another embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the card issuance server 100 through at least one client terminal, and through the at least one user interface provided by the card issuance server 100 to obtain card issuance application information for the operation of the private medical insurance according to the present invention. If input (or selected), it is preferable to transmit from the client terminal to the card issuing server 100 provided on the private medical insurance operating system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the card issuing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the card issuing server 100 and And / or the wireless network performs the function of the card issuing interface for the customer to register the card issuing application information for the operation of the private medical insurance according to the present invention.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 145, in addition to the employee terminal and / or client terminal, a predetermined financial network It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or service) further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network, and / or provided in at least one or more institutions affiliated with the financial institution. ) (It may further comprise a not shown), to which the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 145 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 100 performs a function of a card issuing interface for the customer to register the card issuing application information for the private medical insurance operation according to the present invention, and / or When the card issuing terminal 145 is the call terminal (not shown), a wired telephone network and / or wireless connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 100. The telephone network performs the function of the card issuing interface for the customer to register the card issuing application information for the operation of the private medical insurance according to the present invention, and / or the card issuing terminal 145 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the card issuing server 100 performs a function of a card issuing interface for registering the card issuing application information for the customer to operate the private medical insurance according to the present invention.

The storage medium 140 provided on the private health insurance operating system according to the present invention issues a predetermined card to the customer based on the card issuing application information provided from the card issuing terminal 145, and then Characterized in that it stores the private medical insurance management information according to the issuance, the private medical insurance operating information stored in the storage medium 140 is used for the private medical insurance operation according to the invention on the private medical insurance management system .

According to one embodiment of the present invention, the storage medium 140 is preferably provided in a DBMS on a predetermined financial system provided on the private medical insurance management system (or associated with the private medical insurance operating system). In this case, the storage medium 140 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database (not shown) associated with the ledger D / B, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 140 interoperates with a server (or device) that performs a predetermined information processing function using the private medical insurance operating information on the private medical insurance operating system. It is preferable that the DBMS is provided. In this case, the location where the storage medium 140 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 100 provided on the private medical insurance operating system according to the present invention is a generic term for the component of the private medical insurance operating system side connected to the card issuing terminal 145 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to the embodiment of the present invention, the card issuing server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined card issuing interface to the card issuing terminal 145 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 145 is an employee terminal connected to a predetermined financial network, the interface unit 105 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 8, the card issuing server 100 interworks with the interface unit 105 when a predetermined card issuing terminal 145 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 145 to the card issuing terminal 145. 110 and an information receiving unit 115 for receiving predetermined card issuing application information transmitted from the card issuing terminal 145 through the user interface in connection with the interface unit 105. An information generation unit 125 for generating predetermined card information corresponding to a card to be issued to the customer based on the received card issuing application information, and the card information through a predetermined card issuing device. And a card issuing unit 135 for issuing a predetermined card, and an information storage unit 120 storing the private medical insurance operation information corresponding to the card issued to the customer in the storage medium 140. It is characterized by.

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 145 when a predetermined card issuing terminal 145 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 100 via the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 105 to the card issuing terminal 145 through the network means.

Thereafter, the card issuing terminal 145 inputs (or selects) the card issuing application information based on the user interface, and sends the card issuing application information to the card issuing server through the network means. Send to 100.

According to an embodiment of the present invention, when the card issuing terminal 145 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface provider 110 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 105. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 145 through the user interface and transmits the same through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 125.

According to an embodiment of the present invention, the card issuing application information includes customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and insurance company information providing the private medical insurance service to the customer. It comprises at least one insurance product information subscribed to by the customer.

The information generating unit 125 generates predetermined card information to be provided in the card to the customer based on the card issuing application information received through the information receiving unit 115, wherein the card information is It comprises at least one of a predetermined card number, or customer ID information, or a customer social security number, the card information is provided to the card issuing unit 135.

In addition, the information generating unit 125 is a virtual account number for the automatic settlement of the medical expenses using the private medical insurance to be processed in conjunction with the card information based on the card issuance application information, the financial account opened the virtual account It is preferable to further generate institution information, insurance company information for providing private medical insurance services to the customer, wherein the virtual account number, financial institution information and insurance company information is provided to the information storage unit 120 to store a predetermined The media 140 is stored in association with the card information.

According to an embodiment of the present invention, at least one direct payment function, and / or prepayment function, and / or credit payment function for the amount paid by the customer on a card for automatic settlement of medical expenses using the private medical insurance. In this case, the information generating unit 125 preferably generates at least one or more of direct debit information, and / or prepaid information, and / or credit payment information in the card information. The card issuance application information provided from the customer may include the debit payment application information (eg, the debit payment request information and the customer financial account information for the debit payment), and / or prepaid payment request information (eg, the prepaid payment request information and the Recharge amount information for prepayment, customer financial account information (and / or payment method information) to be recharged, and / or credit settlement Preferably, the application information further includes at least one or more application information (eg, credit payment request information and credit card company information to process the credit payment).

Here, the debit payment information is the financial account information (for example, financial account number to be associated with the financial institution information and the debit card) previously opened in the financial institution, and the debit card information associated with the financial account (for example , A debit card number, or a check card number). If the card issued to the customer is an IC card, the debit payment information (eg, financial account information and debit card information) is the IC chip. It is desirable to generate a debit card application structure (e.g., a file structure recorded in a memory provided in the IC chip for the debit card function) issued to the card.

In addition, the prepaid payment information may include predetermined prepaid card information (eg, prepaid card number) and / or charge amount information charged to the prepaid card. If the card issued to the customer is an IC card, In this case, the prepaid payment information (e.g., prepaid card information and / or charge amount information) is a prepaid card application structure issued to the IC chip (e.g., a file structure recorded in a memory equipped with the IC chip for prepaid card function). It is preferable to be generated as.

The credit settlement information may include predetermined credit card information and / or credit card company information corresponding to the credit card. If the card issued to the customer is an IC card, the credit settlement information ( For example, credit card information and / or credit card company information) is preferably generated with a prepaid card application structure (e.g., a file structure recorded in the IC chip equipped memory for prepaid card function) issued to the IC chip.

Those skilled in the art of the present invention, the card application structure corresponding to the direct debit information, and / or prepayment information, and / or credit payment information provided in the IC chip provided in the IC card (For example, a file structure recorded in the memory provided with the IC chip), the detailed description thereof will be omitted for convenience.

When the predetermined card information provided in the card is generated by the information generating unit 125, the card issuing unit 135 produces a card including the card information through a predetermined card issuing device (or the card). And the card information), and the card is provided (or delivered) to the customer.

If the card is an MS (Magnetic Stripe) card, the card issuing device includes a device for recording the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. In this case, the information generating unit 125 generates card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 135 generates at least one card information through the card issuing device. By writing to the MS track, a predetermined card to be issued to the customer is issued.

Alternatively, if the card is an IC (Integrated Circuit) card, the card issuing device includes a device for recording the card information in a memory provided in the IC chip of the card, wherein the information generating unit 125 Generates the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 135 sends the card information through the card issuing device to the memory of the IC chip. By writing to the card, a predetermined card to be issued to the customer is issued.

The card produced as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer can use the card through the private medical insurance operating system according to the present invention. do.

Thereafter, the information storage unit 120 stores the card issuance request information received from the customer through the information receiving unit 115 and the customer information for receiving the card based on the card information, the card issued to the customer. Virtual account information including corresponding card information (for example, information provided on a card issued to a customer), a virtual account number linked to the card information, and financial institution information on which the virtual account is opened, and the customer has subscribed. And storing the private medical insurance operation information including at least one insurance company information corresponding to the private medical insurance in the storage medium 140.

When the storage medium 140 is provided to the insurer according to the method of the present invention, the private medical insurance operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for, by which the present invention is not limited.

Here, the private medical insurance management information is used to automatically settle in the private medical insurance a portion of the medical expenses to be paid by the customer at least one medical institution through the card on the private medical insurance operating system.

According to the present invention, when the card issuing server 100 issues a card for automatic settlement of medical expenses using a predetermined private medical insurance to the customer based on the card issuing application information (for example, the information generating unit). When the predetermined virtual account number is generated by 125), the virtual account number included in the card information on the financial system is linked to the financial system provided in the financial institution through a predetermined communication means. It is characterized by comprising a virtual account opening section for opening a virtual account.

According to an exemplary embodiment of the present invention, the virtual account is linked to the financial institution mother account to automatically settle a part of the medical expenses through the private medical insurance when the customer pays medical expenses at least one or more medical institutions. It is preferable to establish.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, according to the private medical insurance operating procedure according to the present invention to the insurance company corresponding to the private medical insurance subscribed by the customer An insurance company corresponding to the private medical insurance to which the customer subscribes when requesting to settle a predetermined medical expenses settlement amount (for example, a settlement amount corresponding to the private medical insurance among the medical expenses that the customer is required to pay to the medical institution). Deposits the medical expenses settlement amount into the financial institution mother account (or deposits a predetermined amount in the financial institution mother account, and requests the deposit of the medical expenses settlement amount into the virtual account of the customer); After withdrawing the medical expenses settlement amount from the financial institution's mother account and depositing it into the virtual account of the customer ( / Or if you have a virtual account of the customer a certain period of time after which the medical expense settlement amount of the deposit has elapsed), comprises the process of the withdrawal of the medical expenses settlement money from the virtual account of the customer deposits to the institution account.

According to another exemplary embodiment of the present invention, the virtual account is the mother's account of the private health insurance management institution to automatically settle a portion of the medical expenses through the private medical insurance when the customer pays medical expenses at least one or more medical institutions It is preferable to open in conjunction with.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, an insurance company corresponding to the private medical insurance subscribed by the customer according to the private medical insurance operating procedure according to the present invention If a request is made to settle a predetermined medical expenses settlement amount (for example, the settlement amount corresponding to the private medical insurance among the medical expenses that the client is required to pay to the medical institution), An insurance company deposits the medical expenses settlement amount into the mother account of the private health insurance management institution (or deposits a predetermined amount in the mother account of the private health insurance management institution, and then deposits the medical expenses settlement amount into the virtual account of the customer. Requesting), and in response, the settlement of the medical expenses settled from the mother account of the private health insurance management institution. After depositing money into the virtual account of the customer (and / or after a certain period of time after the medical cost settlement amount has been deposited into the virtual account of the customer), withdraw the medical cost settlement amount from the virtual account of the customer. Including the process of depositing into the medical institution account.

According to another exemplary embodiment of the present invention, the virtual account is a private company that the customer subscribes to automatically settle the portion of the medical cost through the private medical insurance, when the customer pays medical expenses at least one or more medical institutions It is preferable to open the insurance company in association with the insurance company corresponding to the medical insurance.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, according to the private medical insurance operating procedure according to the present invention to the insurance company corresponding to the private medical insurance subscribed by the customer An insurance company corresponding to the private medical insurance to which the customer subscribes when requesting to settle a predetermined medical expenses settlement amount (for example, a settlement amount corresponding to the private medical insurance among the medical expenses that the customer is required to pay to the medical institution). And deposits the medical expenses settlement amount into the insurer's mother account (or deposits a predetermined amount in the insurance company's mother account, and then requests to deposit the medical expenses settlement amount into the virtual account of the customer). Withdraw the medical billing amount from the parent account and deposit it into the customer's virtual account (and / or When a certain period of time after the lapse of the medical expenses settlement amount of the deposit to the virtual account of the customer), comprises the process of the withdrawal of the medical expenses settlement amount from the customer's virtual account deposit account with the institution.

9 is a diagram illustrating an MS card in which predetermined card information is stored according to another exemplary embodiment of the present invention.

In more detail, Figure 9 illustrates an embodiment of the MS card for storing the card information for the automatic settlement of medical expenses using a predetermined private medical insurance to the customer, the MS card shown in Figure 9 for convenience A case in which an MS card having a Track I storage area, a Track II storage area, and a Track III storage area stores card information according to the present invention in the Track II storage area. Those skilled in the art will be able to infer various implementation methods for including the card information in at least one or more storage areas provided in the MS card by referring to and / or modifying the present invention. It includes all implementation methods and is not limited to the implementation methods illustrated in FIG.

According to the American Bank Association (ABA) standard, the track II storage area of the MS card can store up to 40 digits of 5-bit characters based on 75 bpi magnetic density, and start digits of one digit size (Start Sentinel). , SS, 0xB), Primary Account Number (PAN) field for storing up to 19 digits, Field Separator (FS, 0xD) with 1 digit size, Addition Data field and Discretionary Data) field, one digit end character (End Sentinel, ES, 0xF) and one digit long redundancy check (LRC).

Referring to FIG. 9, the card information is stored in a PAN field, an additional data field, and an arbitrary data field of the Track II storage area, and the PAN field includes the card number (or customer ID information or a customer). Social Security Number) is preferably provided.

10 is a diagram illustrating an IC card in which predetermined card information is stored according to another exemplary embodiment of the present invention.

In more detail, Figure 10 is an embodiment of the IC card for storing the card information for the automatic settlement processing of medical expenses using a predetermined private medical insurance to the customer, this figure 10 is a convenience of the contact IC card A case in which card information according to the present invention is stored in a memory, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing of FIG. 10 in the memory of the IC card. Various implementation methods with information may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation methods illustrated in FIG.

With reference to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip's IC chip may include power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), and programming. An input / output interface 300 for communicating (eg, exchanging commands or data) with the call terminal 300 through a contact point such as a power supply (VPP) and / or an input / output (I / O), and a central process unit (CPU). , A processor unit 305 including at least one computing element including a micro process unit (MPU) and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and an EEPROM ( It consists of a memory unit 310 consisting of at least one or more memory elements including electrically erasable and programmable read only memory (FM), flash memory (FM), and the like, in particular at least one or more memory elements (eg, ROM) among the memory elements. IC card internal resources to manage and operate An operating system (Chip Operating System; COS) is stored, the COS stored in the memory unit 310 when a predetermined power is supplied from the call terminal 300 through the power supply (VCC) contact point of the input and output interface 300 Is loaded into a predetermined execution memory to control the overall operation of the IC chip, and through the APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. Controls information or data exchange between the IC chip and the call terminal 300.

According to the present invention, the memory unit 310 of the IC chip terminates at least one or more programs of the programs loaded and loaded in the card terminal, and drives a specific program among a plurality of programs stored in the card terminal, Or a card application for executing a function of converting a screen configuration and / or a function set in the card terminal into a specific screen configuration and / or a specific function, wherein the card application is read by the terminal program. It is driven or executed by a data unit 320 for storing a data set corresponding to predetermined information or data to be read and / or used, and an operation function of the processor unit 305 and a command set provided by the COS. And a program routine used by the terminal program (eg Java Card In the case of acard, a processing unit 315 corresponding to an application including a command calling code that interacts with the instruction set of the COS and execution code that is processed by a processor unit is provided as a Java applet. In particular, the processor 315 reads a command provided from the terminal program via the input / output interface 300 through an APDU, and at least one or more information stored in the data unit 320 based on the read command. Or reading or recording data, and providing the result or read information or data to the terminal program via the input / output interface 300 through an APDU.

According to a preferred embodiment of the present invention, the memory unit 310 of the IC chip includes a security structure based on ISO / IEC 10202, and accordingly, the memory unit has secret information such as a chip serial number (CSN). And a protection area to be stored, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. The card application for the present invention includes the protection area and the COS. It is preferably stored in an area except the control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit 310 may include one master file (MF) corresponding to a root file, and a lower subordinate to the master file. An ATR (Aswer To Reset) including function information on at least one stored information, at least one dedicated file corresponding to each ICC stored information, and a dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, the card application for the present invention also comprises such a file structure.

Referring to FIG. 10, the data unit 320 of the card application includes an element file for storing card information for automatic settlement processing of medical expenses using private medical insurance.

Further, when the card for automatic settlement of medical expenses using the private medical insurance is provided with at least one direct debit payment function for the payment amount of the customer, the IC card is a predetermined debit payment means for the debit payment function. When the information is provided in the form of the card application, and / or when the card is provided with at least one prepaid payment function for the payment amount of the customer, the IC card provides predetermined prepaid payment means information for the prepaid payment function. Is provided in the form of the card application, and / or when the card is provided with at least one credit settlement function for the payment amount of the customer, the IC card reads predetermined credit settlement means information for the credit settlement function. It is characterized in that it is provided in the form of a card application.

Those of ordinary skill in the art to which the present invention pertains understand the detailed technical features of the debit payment means information, and / or prepaid payment means information, and / or credit payment means information provided in the IC card. Since there will be, a detailed description thereof will be omitted for convenience.

11A, 11B, and 11C illustrate a virtual account for automatic settlement of medical expenses using private medical insurance provided in a financial system according to another exemplary embodiment of the present invention.

In more detail, FIGS. 11A, 11B, and 11C are associated with a card for automatic settlement of medical expenses using private medical insurance issued to the customer through the card issuing system shown in FIG. As an example of a virtual account for automatic settlement processing of medical expenses using the private medical insurance provided, specifically, Figure 11a shows a virtual account for automatic settlement processing of medical expenses using the private medical insurance linked to the financial institution mother account. 11b shows that a virtual account for automatic settlement processing of medical expenses using the private medical insurance is opened in connection with the mother account of the private health insurance management institution, and FIG. 11c is a private account. The virtual account for automatic settlement of medical expenses using medical insurance It is shown to be opened in connection with the insurance company parent account corresponding to the insurance.

Persons having ordinary skill in the art to which the present invention pertains may include a card for automatic settlement of medical expenses using private medical insurance issued to the customer by referring to and / or modifying the drawings 11a, 11b, and 11c. Although it may be possible to infer various implementation methods for a virtual account for automatic settlement of medical expenses using the private medical insurance provided on the financial system in connection with the present invention, the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIGS. 11A, 11B, and 11C.

Referring to FIG. 11A, the ledger D / B on the financial system includes a predetermined financial institution mother account and at least one customer virtual account linked to the mother account for the automatic settlement of medical expenses using the private medical insurance. It is done by

Here, the financial institution mother account is a real account opened in the financial institution for the automatic settlement of medical expenses using the private medical insurance, each insurance company when the automatic settlement of medical expenses using the private medical insurance, Deposit the private medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the client to the institution mother account, and the virtual account information and the private medical insurance settlement amount to be finally deposited the private medical insurance settlement amount (or the insurance payment amount). Provides information about the medical institution whose settlement (or amount paid) will be settled.

In addition, the financial institution mother account is processed in connection with at least one virtual account for the automatic settlement of medical expenses using the private medical insurance, each insurance company for the automatic settlement of medical expenses using the private medical insurance When depositing the private medical insurance settlement amount (or insurance payment amount) of the client's medical expenses to the financial institution mother account, the deposited private medical insurance settlement amount (or insurance payment amount) is automatically transferred to the customer virtual account.

According to another exemplary embodiment of the present invention, the insurer may pre-deposit an amount corresponding to the private medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the customer in the financial institution mother account, wherein each insurance company Provides the financial institution (or financial system) with the virtual account information to which the private medical insurance settlement amount (or insurance payment amount) will be finally deposited and the medical institution information for which the private medical insurance settlement amount (or insurance payment amount) is settled. In this way, the settlement amount (or the payment amount) of the private medical insurance of the customer among the amounts deposited in the mother account of the financial institution is automatically transferred to the customer virtual account.

Referring to FIG. 11B, the ledger D / B on the financial system includes a predetermined private medical insurance management institution mother account and at least one customer virtual account linked to the mother account for the automatic settlement of medical expenses using the private medical insurance. Including the account.

Here, the mother account of the private health insurance management institution is a real account opened in the financial institution for the automatic settlement of medical expenses using the private medical insurance, each insurance company when the automatic settlement of medical expenses using the private medical insurance And deposits the private medical insurance settlement amount (or insurance payment amount) of the client's medical expenses into the mother account of the private medical insurance management institution, and the virtual account information to which the private medical insurance settlement amount (or insurance payment amount) is finally deposited. The private medical insurance settlement amount (or insurance payment amount) provides information on the medical institution to be settled.

In addition, the private health insurance management institution mother account is linked to at least one customer virtual account for the automatic settlement of medical expenses using the private medical insurance, and each of the automatic settlement of medical expenses using the private medical insurance When the insurer deposits the private medical insurance settlement amount (or the insurance payment amount) of the client's medical expenses into the mother account of the private medical insurance management institution, the deposited private medical insurance settlement amount (or the insurance payment amount) is the customer virtual account. Direct debit is processed.

According to another exemplary embodiment of the present invention, the insurer may pre-deposit an amount corresponding to the private medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the customer in the mother account of the private medical insurance management institution. When each insurer is the financial institution (or financial system), the virtual account information to which the private medical insurance settlement amount (or insurance payment amount) will be finally deposited and the medical institution where the private medical insurance settlement amount (or insurance payment amount) will be settled. Information is provided, whereby the amount of the private medical insurance settled amount (or the amount of the insurance payment) of the customer among the amounts deposited in the private medical insurance management institution mother account is automatically transferred to the customer virtual account.

Referring to FIG. 11c, the ledger D / B on the financial system includes at least one insurance company mother account for each insurance company for automatic settlement of medical expenses using the private medical insurance, and at least one customer virtual account linked to the mother account. It is made, including.

Here, the insurer mother account is a real account opened in the financial institution for the automatic settlement of medical expenses using the private medical insurance, when the automatic settlement of medical expenses using the private medical insurance, each insurance company is the insurance company And deposit the private medical insurance settlement amount (or insurance payment amount) of the client's medical expenses, and the private medical insurance settlement amount (or insurance payment amount) is finally deposited and the virtual account information and the private medical insurance settlement amount (or Provides information about the medical institution whose benefits will be settled.

In addition, the insurance company parent account is linked to at least one customer virtual account for the automatic settlement of medical expenses using the private medical insurance, the insurance company in each insurance company for the automatic settlement of medical expenses using the private medical insurance When depositing the private medical insurance settlement amount (or insurance payment amount) of the client's medical expenses into the mother account, the deposited private medical insurance settlement amount (or insurance payment amount) is automatically transferred to the customer virtual account.

According to another exemplary embodiment of the present invention, the insurer may pre-deposit an amount corresponding to the private medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the client in the insurance company mother account, wherein each insurance company Provides the virtual account information to which the private medical insurance settlement amount (or insurance payment amount) will be finally deposited to the financial institution (or financial system) and the medical institution information to which the private medical insurance settlement amount (or insurance payment amount) is settled. Accordingly, the settlement amount (or the payment amount) of the private medical insurance of the customer among the amounts deposited in the insurance company mother account is automatically transferred to the virtual account of the customer.

12 is a diagram illustrating a process of issuing a card associated with a virtual account for private medical insurance operation according to an embodiment of the present invention.

In more detail, in FIG. 12, in the card issuing system shown in FIG. 8, a predetermined customer issues a predetermined card issuing interface (e.g., at least one card issuance application, employee terminal and network means, or wired terminal and / or wireless terminal). When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. As a process for issuing a predetermined card based on the present invention, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 12 to issue the card for private medical insurance operation. Various implementations may be inferred, but the present invention encompasses all of the inferred implementations, and is shown in FIG. It shall not be limited by law.

For example, FIG. 12 illustrates that the card is manufactured and provided (or shipped) to the customer, and then stored in the storage medium 140 to store predetermined private medical insurance management information. The process of storing predetermined private medical insurance operation information in the storage medium 140 may be performed before the card is manufactured or before the card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 12, the card issuing terminal 145 shown in FIG. 8 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 12, in order to obtain the card for the private medical insurance operation, the customer prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface, and / or When the card issuing system shown in FIG. 8 supports a non-face-to-face card issuing application, the customer inputs (or selects) predetermined card issuing application information through a predetermined client terminal, and then a predetermined card issuing interface. The card issuing application information is provided to the server through (1200).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the card issuing application information provided to the server through the card issuing interface is the customer information of the card issuing customer, card product information corresponding to the card issued to the customer, and provides the private medical insurance service to the customer Including at least one insurance company information and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (1205).

Here, the card issuance validity check is preferably made including the process of confirming whether the customer has subscribed to the at least one insurance company private medical insurance.

For example, in the card issuance validity checking process, the server provides customer information (and / or insurance product information) included in the card issuance application information to an insurance company corresponding to the insurance company information included in the card issuance application information. The insurance company may include a process of confirming whether the customer has at least one or more insurances corresponding to the private medical insurance.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one insurance company information and customer information of the insurance company's private medical insurance, the server includes insurance company information included in the card issuance application information. And using the customer information (and / or insurance product information) to determine whether the customer has at least one insurance plan corresponding to the private medical insurance subject from the database.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (1210), the server provides the card issuing error information to the customer through the card issuing interface (1215), Stop issuing the card to the customer.

If the validity for issuing the card to the customer is authenticated through the card issuing application information (1210), the server determines predetermined card information (card) corresponding to the card to be issued to the customer based on the card issuing application information. A number, or unique ID information, or a customer social security number, which is associated with the card information (eg, a virtual account number and information on a financial institution where the virtual account is opened) and an insurance company subscribed to by the customer. Generate information (1220).

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server produces a predetermined card with the card information through a predetermined card issuing device and provides (or delivers) the predetermined card to the customer (1225).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to comprise a.

According to another embodiment of the present invention, if the card is an IC card, the card issuing device preferably includes an apparatus for recording the card information in a memory provided in the IC chip of the card.

Thereafter, the server generates predetermined private medical insurance management information through the card issuing application information and the generated card information provided from the customer through the card issuing interface (1230), and the private medical insurance operating information is stored. The data is stored in the storage medium 140 (1235).

Here, the private medical insurance operation information is the customer information for issuing the card, the card information corresponding to the card issued to the customer (for example, the information provided in the card issued to the customer), the virtual processed in conjunction with the card information It is preferable that the account information and at least one insurance company information corresponding to the private medical insurance subscribed to the customer is included.

According to an embodiment of the present invention, when the storage medium 140 is provided to the insurance company, the private medical insurance operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for, the invention is not limited thereby.

According to an embodiment of the present invention, the storage medium 140 is provided in a DBMS on a predetermined financial system provided on the private medical insurance management system (or associated with the private medical insurance operating system), and / or Preferably, the private medical insurance management system is provided in a predetermined DBMS linked with a server (or device) that performs a predetermined information processing function using the private medical insurance operating information.

In addition, the private medical insurance operation information stored in the storage medium 140 is automatically settled in the private medical insurance part of the medical expenses that the customer to pay at least one medical institution through the card on the private medical insurance management system Used to process

13 is a diagram illustrating a process of issuing a card associated with a virtual account for the operation of the private medical insurance according to another embodiment of the present invention.

In more detail, in FIG. 13, in the card issuing system shown in FIG. 8, a predetermined customer issues a predetermined card issuing interface (e.g., at least one card issuance application, employee terminal and network means, or wired terminal and / or wireless terminal). When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. In the process of issuing a card issued to the customer based on the private medical insurance, after the application of the private medical insurance, a predetermined debit payment function for the customer to pay the final payment to the predetermined medical institution. As those skilled in the art to which the present invention pertains, those of ordinary skill in the art can refer to and / or modify this drawing. The private health insurance for the operation would be able to infer the various exemplary method of issuing the card, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 13.

For example, FIG. 13 illustrates that the card is manufactured and provided (or shipped) to the customer, and then stored in the storage medium 140 to store predetermined private medical insurance management information. The process of storing predetermined private medical insurance operation information in the storage medium 140 may be performed before the card is manufactured or before the card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 13, the card issuing terminal 145 shown in FIG. 8 is referred to as "terminal" for convenience, and the card issuing server 100 is referred to as "server" for convenience.

Referring to FIG. 13, in order to obtain the card for the private medical insurance operation, the customer prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface, and / or When the card issuing system shown in FIG. 8 supports a non-face-to-face card issuing application, the customer inputs (or selects) predetermined card issuing application information through a predetermined client terminal, and then a predetermined card issuing interface. The card issuance application information is provided to the server through (1300).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the card issuing application information provided to the server through the card issuing interface is the customer information of the card issuing customer, card product information corresponding to the card issued to the customer, and provides the private medical insurance service to the customer Including at least one insurance company information and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (1305).

Here, the card issuance validity check is preferably made including the process of confirming whether the customer has subscribed to the at least one insurance company private medical insurance.

For example, in the card issuance validity checking process, the server provides customer information (and / or insurance product information) included in the card issuance application information to an insurance company corresponding to the insurance company information included in the card issuance application information. The insurance company may include a process of confirming whether the customer has at least one or more insurances corresponding to the private medical insurance.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one insurance company information and customer information of the insurance company's private medical insurance, the server is an insurance company included in the card issuance application information. And using the information and the customer information (and / or insurance product information), checking whether the customer has at least one insurance policy corresponding to the private medical insurance subject from the database.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (1310), the server provides the card issuing error information to the customer through the card issuing interface (1315), Stop issuing the card to the customer.

If the validity to issue the card to the customer is authenticated through the card issuing application information (1310), the server determines predetermined card information corresponding to the card to be issued to the customer based on the card issuing information. A number, or unique ID information, or a customer social security number, which is associated with the card information (eg, a virtual account number and information on a financial institution where the virtual account is opened) and an insurance company subscribed to by the customer. Generate information (1320).

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server validates whether the card issued to the customer can have a predetermined direct debit function for debiting the customer payment amount to be paid to the predetermined medical institution after applying the private medical insurance. To confirm (1325), it is preferable that the card issuance application information provided from the customer further comprises the direct debit application information.

Here, the validity check of the direct debit function is at least one customer financial account that can be processed in connection with the direct debit function on the financial system based on the debit payment application information included in the card issuance application information. It is preferable to include at least one process of confirming whether there is already opened and the process of confirming whether the customer financial account is an activated financial account (or not a dormant account).

If the card cannot be provided with a predetermined direct debit function for debiting the customer payment amount to be paid to the predetermined medical institution after applying the private medical insurance (1330), the server may In operation 1345, a predetermined card having the card information is manufactured and provided to the customer through a card issuing device.

On the other hand, if the card can be provided with a predetermined direct debit function for debiting the customer's payment amount to be finally paid to a predetermined medical institution after applying the private medical insurance (1330), the server issuing the card Generating predetermined debit information for providing the debit function through the card based on the application information (1335), and the medical care of the customer through the debit function provided in the card in connection with the financial system After the private medical insurance is applied to the expenses, the debit payment information and the customer financial account are interlinked so as to directly debit the customer payment amount that the customer has to pay to a predetermined medical institution (1340). Produces a predetermined card having the card information and the direct debit information through the customer to provide (and (1345).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device may include the card information (and / or information) on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to include a device for recording direct debit information).

According to another embodiment of the present invention, if the card is an IC card, the card issuing apparatus includes an apparatus for recording the card information (and / or direct debit information) in a memory provided in the IC chip of the card. It is preferable.

Thereafter, the server generates predetermined private medical insurance management information through the card issuing application information and the generated card information provided from the customer through the card issuing interface (1350), and stores the private medical insurance operating information. In operation 1355, the storage medium 140 is stored.

Here, the private medical insurance operation information is the customer information for issuing the card, the card information corresponding to the card issued to the customer (for example, the information provided in the card issued to the customer), the virtual processed in conjunction with the card information It is preferable that the account information and at least one insurance company information corresponding to the private medical insurance subscribed to the customer is included.

According to an embodiment of the present invention, when the storage medium 140 is provided to the insurance company, the private medical insurance operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for, the invention is not limited thereby.

According to an embodiment of the present invention, the storage medium 140 is provided in a DBMS on a predetermined financial system provided on the private medical insurance management system (or associated with the private medical insurance operating system), and / or Preferably, the private medical insurance management system is provided in a predetermined DBMS linked with a server (or device) that performs a predetermined information processing function using the private medical insurance operating information.

In addition, the private medical insurance operation information stored in the storage medium 140 is automatically settled in the private medical insurance part of the medical expenses that the customer to pay at least one medical institution through the card on the private medical insurance management system Used to process

14 is a diagram illustrating a process of issuing a card associated with a virtual account for private medical insurance operation according to another embodiment of the present invention.

In more detail, in FIG. 14, in the card issuing system shown in FIG. 8, a predetermined customer is provided with a predetermined card issuing interface (e.g., at least one card issuance application, employee terminal and network means, or wired terminal and / or wireless terminal). When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. In the process of issuing a card issued to the customer based on the private medical insurance, a predetermined prepaid payment function to issue a prepaid payment to the customer payment amount to be paid to the predetermined medical institution after applying the private medical insurance. As those skilled in the art to which the present invention pertains, those of ordinary skill in the art can refer to and / or modify this drawing. The private health insurance for the operation would be able to infer the various exemplary method of issuing the card, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 14.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, after the application of the private medical insurance to the card issued to the customer through the implementation method shown in Figs. It would be possible to infer an implementation method further comprising a predetermined credit settlement function for crediting the customer payment amount to be finally paid to the present invention. However, the present invention includes an implementation method including the credit settlement function, whereby The present invention is not limited.

In addition, FIG. 14 illustrates that the card is produced and provided (or shipped) to the customer, and then stored in the storage medium 140 to store predetermined private medical insurance management information. The process of storing predetermined private medical insurance operation information in the storage medium 140 may be performed before the card is manufactured or before the card is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 14, the card issuing terminal 145 shown in FIG. 8 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 14, in order to issue the card for the private medical insurance operation, the customer prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface, and / or When the card issuing system shown in FIG. 8 supports a non-face-to-face card issuing application, the customer inputs (or selects) predetermined card issuing application information through a predetermined client terminal, and then a predetermined card issuing interface. The card issuance application information is provided to the server through (1400).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

In addition, the card issuing application information provided to the server through the card issuing interface is the customer information of the card issuing customer, card product information corresponding to the card issued to the customer, and provides the private medical insurance service to the customer Including at least one insurance company information and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (1405).

Here, the card issuance validity check is preferably made including the process of confirming whether the customer has subscribed to the at least one insurance company private medical insurance.

For example, in the card issuance validity checking process, the server provides customer information (and / or insurance product information) included in the card issuance application information to an insurance company corresponding to the insurance company information included in the card issuance application information. The insurance company may include a process of confirming whether the customer has at least one or more insurances corresponding to the private medical insurance.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one insurance company information and customer information of the insurance company's private medical insurance, the server includes insurance company information included in the card issuance application information. And using the customer information (and / or insurance product information) to determine whether the customer has at least one insurance plan corresponding to the private medical insurance subject from the database.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (1410), the server provides card issuing error information to the customer through the card issuing interface (1415), Stop issuing the card to the customer.

If the validity for issuing the card to the customer is authenticated through the card issuing application information (1410), the server determines predetermined card information (card) corresponding to the card to be issued to the customer based on the card issuing application information. A number, or unique ID information, or a customer social security number, which is associated with the card information (eg, a virtual account number and information on a financial institution where the virtual account is opened) and an insurance company subscribed to by the customer. Generate information (1420).

Here, the card information includes at least one virtual account number for the automatic settlement of medical expenses using private medical insurance, financial institution information on which the virtual account is opened, and at least one insurance company information providing the private medical insurance service to the customer. It is preferable to make it.

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server validates whether the card issued to the customer can be provided with a predetermined prepayment function for prepaying the customer payment amount to be finally paid to a predetermined medical institution after applying the private medical insurance. To confirm (1425), the card issuance application information provided from the customer for this purpose is preferably made to further include the prepaid application information.

Here, the validation of the prepaid payment function may include: a process of filling a prepaid payment amount in the prepaid payment function in association with a financial system based on the prepaid payment application information included in the card issuance application information ( For example, when the charged amount is charged from the customer's financial account, the step of checking whether the amount to charge the charged amount is deposited in the customer financial account, the charge amount is charged from the customer's payment means In this case, it is preferable to include at least one) a process of checking whether the charge amount can be charged through the customer payment means.

If the card cannot be provided with a predetermined prepayment function for prepaying the customer payment amount to be paid to a predetermined medical institution after applying the private medical insurance (1430), the server provides a predetermined card. A predetermined card having the card information is produced through the issuing device and provided (or delivered) to the customer (1445).

On the other hand, if the card can be provided with a predetermined prepayment function for prepaying the customer payment amount to be finally paid to a predetermined medical institution after applying the private medical insurance (1430), the server issues the card. Generating predetermined prepaid information for providing the prepaid payment function through the card based on the application information (1435), a predetermined amount of money is added to the prepaid payment function provided in the card in connection with the financial system. After processing to charge (1440), a predetermined card having the card information and the prepaid payment information is produced and provided (or shipped) to the customer through a predetermined card issuing device (1445).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device may include the card information (and / or information) on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to include an apparatus for recording prepaid information).

According to another embodiment of the present invention, if the card is an IC card, the card issuing device includes an apparatus for recording the card information (and / or prepaid payment information) in a memory provided in the IC chip of the card. It is preferable.

Thereafter, the server generates predetermined private medical insurance management information through the card issuing application information and the generated card information provided from the customer through the card issuing interface (1450), and stores the private medical insurance operating information. It is stored in the storage medium 140 (1455).

Here, the private medical insurance operation information is the customer information for issuing the card, the card information corresponding to the card issued to the customer (for example, the information provided in the card issued to the customer), the virtual processed in conjunction with the card information It is preferable to include at least one or more account information and insurance company information corresponding to the private medical insurance subscribed by the customer.

According to an embodiment of the present invention, when the storage medium 140 is provided to the insurance company, the private medical insurance operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for, the invention is not limited thereby.

According to an embodiment of the present invention, the storage medium 140 is provided in a DBMS on a predetermined financial system provided on the private medical insurance management system (or associated with the private medical insurance operating system), and / or Preferably, the private medical insurance management system is provided in a predetermined DBMS linked with a server (or device) that performs a predetermined information processing function using the private medical insurance operating information.

In addition, the private medical insurance operation information stored in the storage medium 140 is automatically settled in the private medical insurance part of the medical expenses that the customer to pay at least one medical institution through the card on the private medical insurance management system Used to process

15 is a diagram showing the configuration of a private health insurance operating system according to an embodiment of the present invention.

More specifically, Figure 15 shows the settlement of the private medical insurance of the medical expenses that the customer is required to pay to a predetermined medical institution by using the card issued to the customer through the card issuing system shown in Figures 1 and / or 8. The system configuration for the settlement of the amount (or the payment amount), if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modify this figure 15 by the customer using the card Various system configurations for calculating the private medical insurance settlement amount (or insurance payment amount) among the medical expenses to be paid to a predetermined medical institution may be inferred, but the present invention includes all the inferred implementation methods. It is not limited by the implementation method shown in FIG.

Hereinafter, when the storage medium 140 shown on the card issuing system shown in FIGS. 1 and / or 8 is provided in the private health insurance management institution in FIG. 15, the storage medium 140 may be referred to as " Insurance management information D / B 1525, and when the storage medium 140 is provided in at least one insurance company, the storage medium 140 is referred to as "insurance approval information D / B 1565" for convenience. .

Referring to FIG. 15 in accordance with an embodiment of the present invention, the private health insurance operating system includes a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 and through the card. An insurance processing terminal 1570 for generating and transmitting at least one full-text for the settlement of the private medical insurance settlement amount (or insurance payment amount) among the medical expenses to be paid to a predetermined medical institution; and the insurance processing Connected to the terminal 1570 through a predetermined network means and relays a predetermined insurance approval request message transmitted from the insurance processing terminal 1570 to an insurance company corresponding to the private medical insurance subscribed to by the customer, and the insurance company server The private medical service which receives the insurance approval text corresponding to the insurance approval request text from 1530 and relays it to the insurance processing terminal 1570. An insurance company server 1530 connected to an insurance management server 1500 and the private medical insurance management server 1500 through a predetermined communication means to approve the entire insurance approval request message received from the private medical insurance management server 1500. The insurance company server 1530, when the insurance approval process corresponding to the insurance approval request, the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text Characterized in that it comprises a financial system for settlement processing.

The customer carries a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIGS. 1 and / or 8 and visits at least one medical institution (eg, a clinic or a hospital). After receiving the predetermined medical service, the medical cost corresponding to 30% of the total medical expenses corresponding to the medical service provided to the customer through the medical insurance card (eg, the remaining 70% of the total medical expenses Medical expenses are settled by the National Medical Insurance Corporation).

At this time, the customer settles 90% of the medical expenses corresponding to 30% of the total medical expenses through a card issued through the card issuing system shown in FIGS. 1 and / or 8. The amount of the client's final payment to the medical institution corresponds to 10% of the medical expenses corresponding to 30% of the total medical expenses.

The medical institution issues 90% of the medical expenses (for example, 30% of the total medical expenses) that the customer pays to the medical institution through the card issuing system shown in FIGS. A predetermined insurance processing terminal 1570 is provided for the settlement process through the card.

The insurance processing terminal 1570 may be a window terminal provided at a window of the medical institution, and / or a card terminal having a predetermined card payment function, and / or medical expenses (eg, premise) to be paid to the medical institution by the customer. At least one of a predetermined unmanned terminal for processing the unattended settlement for the cost corresponding to 30% of the medical cost, characterized in that the preferred embodiment of the insurance processing terminal 1570 through Figure 16 It explains in detail.

The window terminal of the insurance processing terminal 1570 is a terminal provided in the medical cost storage window of the medical institution, and implements the insurance processing terminal 1570 function shown in FIG. 16 in the terminal provided in the storage window. In accordance with the insurance processing terminal 1570.

In addition, the card terminal of the insurance processing terminal 1570 is a card payment terminal provided in the medical cost storage window of the medical institution, the insurance processing terminal (1570) shown in Figure 16 to the card payment terminal provided in the storage window; By implementing the function to operate as an insurance processing terminal 1570 according to the present invention, or the card terminal includes a private medical insurance processing dedicated card terminal having an insurance processing terminal 1570 function shown in FIG. It can be done.

In addition, the unmanned terminal of the insurance processing terminal 1570 is connected to a predetermined KIOSK and / or at least one or more financial systems provided in the medical institution through a predetermined CD common network (CD / ATM) provided in the medical institution ( By implementing the insurance processing terminal 1570 function shown in FIG. 16 in a financial terminal including a Cash Dispenser / Automatic Teller Machine, it operates as an insurance processing terminal 1570 according to the present invention, or the unmanned terminal is shown in FIG. It is possible to include an automated terminal for the private medical insurance processing with the insurance processing terminal 1570 shown in FIG.

The insurance processing terminal 1570 is connected to the private medical insurance management server 1500 provided in a predetermined private medical insurance management institution through a predetermined network means, the customer to pay to the medical institution Settlement of private medical insurance amount (or payment amount) equivalent to 90% of medical expenses (e.g., 30% of total medical expenses) is settled by the insurance company corresponding to the private medical insurance that the client has Characterized by the predetermined insurance approval request to make it characterized in that the transmission to the private medical insurance management server 1500.

In addition, the insurance processing terminal 1570 receives a predetermined insurance approval message including an insurance treatment history corresponding to the insurance approval request message from the private medical insurance operation server 1500 through the network means, and the insurance It is characterized in that the insurance treatment details included in the approval full text (for example, screen output and / or print output).

The private medical insurance operation server 1500 relays an insurance processing terminal 1570 provided in at least one medical institution and an insurance company server 1530 provided in at least one insurance company, and the private medical insurance. The operation server 1500 reads card information included in the insurance approval request text, and predetermined card information and insurance company information (for example, insurance company server 1530) for checking the insurance company server 1530 to relay the insurance approval request text. Insurance management information D / B (1525) for storing the information) in conjunction with).

Referring to FIG. 15, the private medical insurance management server 1500 may include a specialized receiver 1505 for receiving a predetermined insurance approval request text from at least one insurance processing terminal 1570 through the network means, and the insurance approval. A professional confirmation unit 1510 for extracting card information included in the request text and confirming the insurance company server 1530 to relay the insurance approval request text in connection with the insurance management information D / B 1525; An insurance including the insurance processing details corresponding to the insurance approval request message from the insurance company server 1530 through the communication means relayed to the confirmed insurance company server 1530 through a communication means; A professional relay unit 1520 for receiving an approval message and the insurance approval message have a specialized transmission unit 1515 for transmitting to the insurance processing terminal 1570 through the network means. It characterized by comprising.

The specialized receiver 1505 may receive a predetermined insurance approval request telegram generated and transmitted by at least one insurance processing terminal 1570 provided in at least one medical institution through the network means. The full insurance approval request is provided to the specialized confirmation unit 1510.

According to an embodiment of the present invention, the insurance approval request message may include the card information, the medical institution information, at least one disease code information provided by the medical institution to the customer, and the private service corresponding to the medical service. It is preferable to include at least one or more medical insurance settlement amount (or insurance payment amount).

According to an embodiment of the present invention, when the customer is issued a card through the card issuing system shown in FIG. 1, the card information is virtual for the settlement processing of the private medical insurance settlement amount (or insurance payment amount). It is preferable to include an account number, information on the financial institution in which the virtual account is opened, and insurance company information corresponding to the private medical insurance subscribed to by the customer.

According to another embodiment of the present invention, when the customer is issued a card through the card issuing system shown in FIG. 8, the card information includes a predetermined card number (or customer ID information, or customer social security number). Preferably, the insurance management information D / B (1525) is to store the virtual account information of the customer (for example, the customer virtual account number and the information of the financial institution opened the virtual account) associated with the card information is stored; It is preferable.

When a predetermined insurance approval request text is received through the specialized receiving unit 1505, the specialized checking unit 1510 extracts card information included in the insurance approval request text, and based on the extracted card information. The insurance company information D / B 1525 checks insurance company information stored in association with the card information, thereby communicating a predetermined communication means (for example, the private medical insurance operation server 1500 and at least one insurance company server 1530). A predetermined insurance company server 1530 to relay the insurance approval request message through a communication network).

When a predetermined insurance company server 1530 which transmits the insurance approval request message is confirmed through the specialized confirmation unit 1510, the specialized relay unit 1520 may receive the insurance approval request received through the specialized receiver 1505. Characterized in (or at least one or more information extracted to provide to the insurance company server 1530 from the insurance approval request message), characterized in that the relay transmission through the communication means to the confirmed insurance company server 1530, and then The specialized relay unit 1520 receives the insurance approval message including the insurance processing details corresponding to the insurance approval request message from the insurance company server 1530 through the communication means.

According to the implementation method of the present invention, the insurance processing details include insurance approval details including that the insurance company approved the settlement of the private medical insurance settlement amount (or payment amount) included in the full insurance approval request. Or, it is preferable to include a predetermined insurance error history, including not the settlement of the private medical insurance settlement amount (or insurance payment amount) included in the full insurance approval request in the insurance company.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the insurance company server 1530 through the communication means while receiving the insurance approval message, the specialized relay unit 1520. Provides the full insurance approval to the specialized transmission unit 1515.

When the insurance approval message is received from the insurance company server 1530 through the specialized relay unit 1520, the expert transmission unit 1515 transmits the insurance approval request message to the insurance approval message through a predetermined network means. It is characterized in that the transmission to one insurance processing terminal (1570).

The insurance company server 1530 is characterized in that the private medical insurance management server 1500 and the communication connection through a predetermined communication means, the insurance company server 1530 is relayed from the private medical insurance management server 1500 The card information issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 to approve the insurance approval request included in the insurance approval request text, and the private medical insurance to which the customer subscribes. And insurance approval information D / B 1565 for linking and storing corresponding insurance product information, wherein the insurance approval information D / B 1565 is a customer who subscribes to the private insurance of the insurance company. It is preferable that the information is further included.

According to an embodiment of the present invention, the insurance product information stored in the insurance approval information D / B 1565 may be guaranteed by the customer through the private medical insurance (for example, the customer should pay the medical institution. Preferably, at least one disease code information including 90% of medical expenses (eg, costs corresponding to 30% of total medical expenses) can be settled through the private medical insurance.

Referring to FIG. 15, the insurance company server 1530 may include a specialized receiver 1535 for receiving a predetermined insurance approval request message transmitted from the private medical insurance management server 1500 through the communication means, and the received message. An information extracting unit 1540 for extracting information required for insurance approval from the insurance approval request text, and the insurance included in the insurance approval request text in connection with the insurance approval information D / B 1565 based on the extracted information. An insurance approval unit 1550 is provided for approving the settlement of the private medical insurance settlement amount (or insurance payment amount).

In addition, if the insurance company server 1530 is approved by the insurance approval unit 1550 for the settlement of the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request, the card information, the card information Settlement processing unit 1560 for depositing and processing the private medical insurance settlement amount (or insurance payment amount) to the customer virtual account (or mother account associated with the customer virtual account) by using the included virtual account number and financial institution information (1560) It is characterized by comprising a).

In addition, if the insurance company server 1530 is approved by the insurance approval unit 1550 for the settlement of the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text, a predetermined insurance approval Generate a predetermined insurance processing history corresponding to the details, generate a predetermined insurance approval text including the generated insurance processing history, or include the insurance approval request 1550 included in the insurance approval request text; If the settlement processing for the private medical insurance settlement amount (or the insurance payment amount) is not approved, a predetermined insurance processing history corresponding to a predetermined insurance error history is generated, and a predetermined insurance approval including the generated insurance processing history is generated. Characterized in that it comprises a full text generation unit 1545 for generating a full text.

In addition, when the insurance company server 1530 is generated by the full-text generation unit 1545, the insurance approval message including the insurance treatment details, the insurance approval message is the private medical insurance operation server 1500 through the communication means Characterized in that it comprises a specialized transmission unit 15155 for transmitting to.

The specialized receiver 1535 is connected to the private medical insurance management server 1500 via the communication means, the predetermined insurance approval request telegram transmitted from the private medical insurance management server 1500 via the communication means Characterized in that it receives, and provides the received insurance approval request full text to the information extraction unit 1540.

The information extracting unit 1540 extracts information necessary for insurance approval from the insurance approval request message received through the specialized receiving unit 1535, and the information necessary for the insurance approval is the card information and the medical institution. Preferably comprises at least one disease code information that provides medical services to the customer, and then the information extracting unit 1540 stores the card information and disease code information extracted from the insurance approval request text. Provided to the insurance approval unit (1550).

The insurance approval unit 1550 compares and authenticates the card information and the card information stored in the insurance approval information D / B 1565, thereby authenticating whether the customer is a member of the insurance company's private medical insurance. It is characterized by.

According to an embodiment of the present invention, when the card information matching the card information included in the insurance approval request text is stored on the insurance approval information D / B 1565, the customer subscribes to private insurance of the insurance company. As long as the valid customer is approved.

In addition, the insurance approval unit 1550 extracts insurance product information linked to the card information from the insurance approval information D / B 1565, and includes disease code information and the insurance product included in the insurance approval request text. By comparing and authenticating the disease code information included in the information, the medical service provided by the client (e.g., a disease treated by the client's medical institution) is the medical cost (e.g., premise) that the client is required to pay to the medical institution. 90% of the cost, which corresponds to 30% of the medical expenses, is characterized by checking whether the insurance company is subject to private medical insurance.

According to the method of the present invention, when the disease code information included in the insurance product information stored in the insurance approval information D / B (1565) and the disease code information included in the full insurance approval request, the customer is said 90% of medical expenses (eg, 30% of total medical expenses) to be paid to medical institutions are approved to be settled by the insurer.

When the settlement processing for the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request text is approved by the insurance approval unit 1550, the information extracting unit 1540 is the insurance approval request text. Extracting information from the insurer for 90% of the medical expenses (for example, 30% of the total medical expenses) to be paid to the medical institution by the insurance company. The necessary information may include the card information, the private medical insurance settlement amount (or the insurance payment amount), and the medical institution information. Then, the information extracting unit 1540 may extract the card information extracted from the insurance approval request text. And provide the private medical insurance settlement amount (or insurance payment amount) and medical institution information to the settlement processing unit 1560.

According to an exemplary embodiment of the present invention, when the card information includes a virtual account number corresponding to the customer virtual account and financial institution information, the information extracting unit 1540 sends the card information to the settlement processing unit 1560. to provide.

According to another exemplary embodiment of the present invention, when the card information includes a predetermined card number (or customer ID information or customer social security number), the information extracting unit 1540 may include insurance approval information D / B 1565 ( Or a customer virtual account number associated with the card information and a database having financial institution information), and extracts the customer virtual account number and financial institution information associated with the card information to the settlement processor 1560.

The settlement processing unit 1560 is the card information (for example, the customer virtual account number and the information on the financial institution opened the virtual account), the private medical insurance settlement amount (or insurance payment amount) and the medical institution from the information extraction unit 1540 When the information is provided, the private medical insurance settlement amount (or the insurance payment amount) is deposited to the customer virtual account in connection with the financial system corresponding to the financial institution corresponding to the card information through a predetermined communication means. Medical institution information (eg, medical institution identification information, medical institution account information, etc.) to the financial system so that the medical insurance settlement amount (or insurance payment amount) is finally transferred (or deposited) from the customer virtual account to the medical institution (or medical institution account). ).

According to an exemplary embodiment of the present invention, when the customer virtual account is processed in connection with the financial institution mother account, the settlement processing unit 1560 is connected with the financial system to settle the private medical insurance settlement amount (or insurance payment amount). After withdrawing money from an insurance company account and depositing it into the financial institution mother account, the customer virtual account number and the medical institution information are provided to the financial system, and in response, the financial system settles the private medical insurance account deposited to the financial institution mother account. After transferring an amount (or insurance payment amount) from the financial institution mother account to the customer virtual account, the private medical insurance settlement amount (or insurance payment amount) information and the medical institution information are linked to the customer virtual account.

Thereafter, the private medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the financial institution mother account is finally transferred to the medical institution account corresponding to the medical institution information through the financial system. Deposit) is processed.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in connection with the mother account of the private health insurance management institution, the settlement processing unit 1560 is linked with the financial system to settle the private medical insurance amount (or insurance payment) Amount of money) from the insurer's account and deposited into the mother account of the private health insurance management institution, and then the customer virtual account number and the medical institution information are provided to the financial system. The private medical insurance settlement amount (or insurance payment amount) transferred to the management institution mother account is transferred from the private medical insurance management institution mother account to the customer virtual account, and then the private medical insurance settlement amount (or insurance money) to the client virtual account. The payment amount) information and the medical institution information are processed in association.

Subsequently, the private medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the private medical insurance management institution mother account is finally transferred to the medical institution account corresponding to the medical institution information through the financial system. Transfer (or deposit) is processed.

According to another embodiment of the present invention, when the customer virtual account is processed in connection with the insurance company's mother account, the settlement processing unit 1560 is connected with the financial system to settle the private medical insurance settlement amount (or insurance payment amount) After transferring (or depositing) from the insurance company's mother account to the customer's virtual account, the customer's virtual account number and the medical institution information are provided to the financial system, and in response, the financial system provides the private medical insurance to the customer's virtual account. The settlement amount (or insurance payment amount) information is linked to the medical institution information.

Thereafter, the private medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the insurance company mother account is finally transferred (or deposited) to the medical institution account corresponding to the medical institution information through the financial system. Is processed.

If the settlement approval for the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text is approved by the insurance approval unit 1550, the full text generation unit 1545 provides a predetermined insurance approval history. And generate a predetermined insurance approval statement corresponding to the predetermined insurance approval statement, and generate a predetermined insurance approval letter including the generated insurance treatment statement, and then transfer the generated insurance approval statement to the specialized transmission unit 1555. to provide.

Alternatively, if the settlement processing for the private medical insurance settlement amount (or the insurance payment amount) included in the insurance approval request text is not approved by the insurance approval unit 1550, the full text generation unit 1545 may provide a predetermined insurance policy. Generate a predetermined insurance processing history corresponding to the error history, and generate a predetermined insurance approval text including the generated insurance processing history, and then transfer the generated insurance approval text to the specialized transmission unit 1555. To provide.

When the full-text transmission unit 1555 generates an insurance approval text including the insurance processing details by the full-text generation unit 1545, the full-text insurance approval server is the private medical insurance operation server 1500 through the communication means. The private medical insurance management server 1500 relays the insurance approval message to an insurance processing terminal 1570 provided in the medical institution.

Referring to FIG. 15, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the external system of the financial system deposits the private medical insurance settlement amount (or insurance payment amount) to the customer virtual account in connection with the settlement processing unit 1560 provided in the insurance company server 1530, and In addition, the private medical insurance settlement amount (or insurance payment amount) is characterized in that it comprises a medical expenses settlement unit for the final transfer (or deposit) processing from the customer virtual account to the medical institution (or medical institution account).

When the customer virtual account is processed in connection with the financial institution mother account according to an embodiment of the present invention, the medical expenses settlement unit in connection with the settlement processing unit 1560 of the insurance company server 1530 from the insurance company account from the private medical insurance Withdraw the settlement amount (or insurance payment amount) and deposit it into the financial institution mother account, and if the customer virtual account number is provided from the settlement processing unit 1560, the private medical insurance settlement amount deposited into the financial institution mother account (or The insurance payment amount) is transferred (or deposited) to the customer virtual account linked to the financial institution mother account, and / or the medical institution information is provided from the settlement processing unit 1560, the private medical insurance settlement amount (or Insurance payment amount) from the customer's virtual account to the medical institution account corresponding to the medical institution information. It is desirable to make a final transfer (or deposit).

In addition, the medical expenses settlement unit immediately transfers (or deposits) a private medical insurance settlement amount (or a payment amount) transferred to (or deposited) the customer virtual account through a financial institution mother account to a medical institution account corresponding to the medical institution information. Or after maintaining (or depositing) a private medical insurance settlement amount (or payment amount) transferred to at least one customer virtual account for a period of time, and periodically transferring (or depositing) to a medical institution account corresponding to the medical institution information. It is preferable that the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when the customer virtual account is linked to the private medical insurance management institution mother account, the medical expenses settlement unit is linked to the settlement processing unit 1560 of the insurance company server 1530 from the insurance company account. Withdraw the private medical insurance settlement amount (or insurance payment amount) and deposit it to the private medical insurance management institution mother account, and if the customer virtual account number is provided from the settlement processing unit 1560, the private medical insurance management institution mother account Transfer (or deposit) the deposited private medical insurance settlement amount (or insurance payment amount) to the customer virtual account linked to the private medical insurance management institution mother account, and / or from the settlement processing unit 1560 If the information is provided, the private medical insurance settlement amount (or insurance payment amount) is transferred to the store customer virtual account. That the withdrawal site to the final transfer (or payment) to the medical institution account corresponding to said medical information being preferred.

In addition, the medical expenses settlement unit immediately transfers (or deposits) the private medical insurance settlement amount (or the amount of the insurance payment) transferred to the customer virtual account through the private medical insurance management institution mother account (or the payment amount) to the medical institution account corresponding to the medical institution information. Deposit) or, after maintaining (or depositing) a private medical insurance settlement amount (or payment amount) that has been transferred (or deposited) into at least one customer virtual account for a period of time, periodically transfers (or Deposit), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in association with the insurance company mother account, the medical expenses settlement unit is provided with the customer virtual account number from the settlement processing unit 1560 of the insurance company server 1530, Transfer (or deposit) the private medical insurance settlement amount (or insurance payment amount) deposited in the insurance company mother account to the customer virtual account linked to the insurance company mother account, and / or from the settlement processing unit 1560 When the information is provided, it is preferable to withdraw the private medical insurance settlement amount (or insurance payment amount) from the merchant customer virtual account and finally transfer (or deposit) the medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement unit immediately transfers (or deposits) the private medical insurance settlement amount (or the payment amount) transferred to the customer virtual account (or the payment amount) to the medical institution account corresponding to the medical institution information through an insurance company mother account, Alternatively, after maintaining (or depositing) a private medical insurance settlement amount (or payment amount) transferred to at least one customer virtual account for a period of time, periodically transferring (or depositing) to a medical institution account corresponding to the medical institution information Preferably, the present invention is not limited thereto.

16 is a diagram showing the functional configuration of an insurance processing terminal 1570 according to an embodiment of the present invention.

More specifically, FIG. 16 illustrates an embodiment of an insurance processing terminal 1570 for settlement of customer medical expenses through the private medical insurance on the private medical insurance operating system shown in FIG. 15. Those skilled in the art can infer and construct various insurance processing terminals 1570 for the settlement of customer medical expenses through private medical insurance by referring to and / or modifying the drawing 16. However, it is to be understood that the technical features of the present invention are not limited by this drawing 16 but include all the inferred implementation methods.

Referring to FIG. 16, the insurance processing terminal 1570 basically includes a control unit 1605, a memory unit 1650, a card reader unit 1610, a key input unit 1620, a screen output unit 1615, and a communication processing unit 1630. ) And a security application module 1635, a print output unit 1640, and a power supply 1625 for supplying power to the insurance processing terminal 1570, and at least one terminal function unit according to the intention of a person skilled in the art. (Not shown) and the like.

The control unit 1605 controls the overall operation of the insurance processing terminal 1570 in the functional configuration, manages the flow of information or data between each component, and insurance for the settlement of customer medical expenses through the private medical insurance Characterized in that controls the components provided in the processing terminal 1570, and at least one processor and execution memory (e.g., register and / / including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) Or a random access memory (RAM) and a bus for inputting and outputting predetermined data, and from a predetermined recording medium in order to perform a function specific to the insurance processing terminal 1570 by software. Loads predetermined program routines and / or program data loaded into the execution memory and computed by the processor (As a result, a function provided in a predetermined program and / or the insurance processing terminal 1570 recorded on a recording medium provided in the insurance processing terminal 1570 for the settlement processing of the customer medical expenses through the private medical insurance. In this configuration, the components that can be processed by software are shown in the control unit 1605).

According to an embodiment of the present invention, the control unit 1605 may include components (eg, the memory unit 1650, the card reader unit 1610, the key input unit 1620, and the screen) provided in the insurance processing terminal 1570. The insurance processing terminal by interworking an output unit 1615, a communication processing unit 1630, a security application module 1635, a print output unit 1640, and / or a terminal function unit (not illustrated) according to the intention of a person skilled in the art. In addition to controlling and managing providing the private medical insurance settlement processing service defined in 1570, the insurance processing terminal 1570 is provided for the settlement of customer medical expenses through the private medical insurance according to the present invention. It is preferable to execute a program recorded in a recording medium provided in the insurance processing terminal 1570 for controlling the components by interworking with each other and / or for the settlement of customer medical expenses through the private medical insurance.

The memory unit 1650 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the insurance processing terminal 1570 is performed. General term of non-volatile memory for storing information or data), including hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD). It includes at least one storage means, the predetermined program routine and the program data (for example, the program routine is required for the control unit 1605 to perform a predetermined control function or input or output for performing the predetermined function) Data) is stored.

According to an embodiment of the present invention, the memory unit 1650 stores medical institution information (eg, medical institution identification information, medical institution account information, etc.) to be included in a predetermined insurance approval request message generated by the insurance processing terminal 1570. It is desirable to.

The customer who is provided with the settlement processing of the client's medical expenses through the private medical insurance according to the present invention through the insurance processing terminal 1570, MS (Magnetic Stripe) card, and / or ISO / based on the ISO / IEC 7810 standard Have (or own) a contact IC card (or wireless IC chip) based on the IEC 7816 standard, and / or a card comprising at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card reader unit 1610 may provide an interface for reading at least one or more information or data included in the card.

According to an embodiment of the present invention, the card reader unit 1610 may include an MS reader unit providing an interface between the MS card and the insurance processing terminal 1570, and / or the contact IC card and the insurance processing terminal. 1570, a contact IC reader unit providing an interface between the contactless IC card and / or a contactless IC reader unit providing an interface between the contactless IC card and the insurance processing terminal 1570.

The MS reader unit is a card reader unit 1610 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the insurance processing terminal 1570 using the loaded.

The contact IC reader unit is a card reader unit 1610 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the insurance processing terminal (1570).

The contactless IC reader unit is a card reader unit 1610 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and insurance information or data from the IC chip through the half-duplex transaction using the APDU It is characterized in that the interface to the processing terminal 1570.

According to an embodiment of the present invention, the card reader unit 1610 may be configured from at least one card reader unit 1610 for the private medical insurance settlement processing service defined in the insurance processing terminal 1570, and / or as shown in FIG. It is preferable to read predetermined card information provided in the card through the card issuing system shown in FIG.

The key input unit 1620 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the insurance processing terminal 1570 controlled by the control unit 1605. When predetermined information (or signal) is inputted from the key button, a key event corresponding to the input information (or signal) is generated and the generated key event is provided to the controller 1605. The control unit 1605 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the insurance processing terminal 1570, and / or is matched with the key event. A to obtain a command to execute a predetermined function of the features. The key input unit 1620 and the key input device having at least one key button interoperate with each other to perform a function of a key input unit provided in the insurance processing terminal 1570.

The key input device interworking with the key input unit 1620 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an embodiment of the present invention, the key input unit 1620 corresponds to the private medical insurance settlement processing service from at least one key input device for the private medical insurance settlement processing service defined in the insurance processing terminal 1570. It is preferable to perform a function of a key input means for receiving key data (for example, a payment amount, etc.), and from the key input device for the settlement of customer medical expenses through private medical insurance according to the present invention. It is preferable to perform the function of the key input means for receiving at least one or more key data required in the process of providing settlement processing of the customer medical expenses through the medical insurance.

The screen output unit 1615 is a liquid crystal display (LCD) by the control unit 1605 while the insurance processing terminal 1570 performs a predetermined function (eg, a private medical insurance settlement processing function using a card). And / or output at least one or more information or data which is predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. The screen output unit 1615 and the screen output device interoperate with each other to perform a function of the screen output unit provided in the insurance processing terminal 1570.

Predefined information or data to be output to the screen output device by the insurance processing terminal 1570 is provided in the key data input through the key input unit 1620 and / or in the insurance processing terminal 1570. Information (or data) stored or generated by the component, information (or data) transmitted and received through the communication processing unit 1630, and / or a predetermined operation result performed by the insurance processing terminal 1570 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 1615 setstles the private medical insurance according to each electronic payment step to the screen output device for the private medical insurance settlement processing service defined in the insurance processing terminal 1570. It is preferable to perform the function of the screen output means for outputting the processing screen, and also to the settlement of the customer medical expenses through the private medical insurance according to the invention of the customer medical expenses through the private medical insurance to the screen output device It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the settlement processing providing step.

The communication processing unit 1630 is a private medical insurance management server 1500 and the private through a network means in the process of the insurance processing terminal 1570 performs a predetermined function (for example, the private medical insurance settlement processing function using a card) A communication channel for medical insurance settlement processing and / or a terminal (or device) connected to the insurance processing terminal 1570 and a predetermined cable and / or the predetermined short range wireless communication with the insurance processing terminal 1570. And a predetermined communication means for connecting a communication session with a terminal (or device) connected through communication, and a network for connecting a predetermined communication channel to the private health insurance operation server 1500 through a network means. A communication unit, and / or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or at least one or more It includes a short-range wireless communication unit for connecting a predetermined short-range communication terminal (or device) device and a predetermined communication session through a distance wireless communication means, communication for connecting the communication channel (or communication session) by software Protocol and / or drivers.

The network communication unit may include a predetermined wired network including a high speed internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication) and / or a financial common network and / or a mobile communication network or a wireless data communication network. And connecting a communication channel with the private medical insurance management server 1500 through a network means including at least one wireless network, and hardwarely connecting the insurance processing terminal 1570 to a predetermined wired or wireless network. And a modem or a network interface card (NIC), and includes a communication protocol and / or driver for software to connect the insurance processing terminal 1570 to the wired and wireless network.

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, LAN, RS-232c, USB (Universal Serial Bus)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for private short range wireless communication in software.

Here, the terminal (or device) connected through the cable communication unit and / or the short-range wireless communication unit includes a terminal (or device) used by at least one or more doctors (or nurses) providing predetermined medical services in the medical institution. Through the terminal (or device), the insurance processing terminal 1570 may provide predetermined disease code information and / or private medical insurance settlement amount (or insurance payment amount).

The secure application module 1635 (SAM) is a confidentiality and / or authentication required by the insurance processing terminal 1570 to perform a private medical insurance settlement procedure through the card. And / or secure and reliable architecture within the insurance processing terminal 1570 without security requirements, including integrity and / or nonrepudiation, without using a certificate server (not shown) on the network means. As a safety device for performing the operation, the insurance processing terminal 1570 encrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). Important information in the process of adding or decrypting, adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. It characterized in that it performs the function of storing.

In general, the security application module 1635 is preferably composed of a predetermined security application module 1635 inserter and a security application module 1635 chip, the security application module 1635 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

Also, the security application module 1635 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, and code values required for the insurance processing terminal 1570 to perform a predetermined security request function). And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 1640 may include a process of performing the predetermined function (for example, a private medical insurance settlement processing function using a card) and / or predetermined information or data generated as a result (for example, the insurance processing terminal 1570). , The result of the private medical insurance settlement process) is output to a predetermined printing device (for example, a receipt printing machine), and for printing the printing information or data in accordance with a predefined printing form through the predetermined printing device. Including printing protocols and drivers.

Referring to FIG. 16, the insurance processing terminal 1570 is an information acquisition unit 1655 for obtaining at least one or more information to be included in the insurance approval request for the settlement of customer medical expenses through private medical insurance according to the present invention. And a full text generation unit 1660 for generating a predetermined insurance approval request full text including at least one information obtained through the information acquisition unit 1655, and the insurance generated through the full text generation unit 1660. Specialized transmission unit 1665 for transmitting the full text of the approval request to the private medical insurance management server 1500 through the communication processing unit 1630, and the insurance corresponding to the full insurance approval request from the private medical insurance management server 1500 A professional receiving unit 1670 for receiving the approval text and the insurance processing history included in the insurance approval message are read and output through the screen output unit 1615 and / or the print output unit 164. It characterized in that it comprises a specialized processing unit (1675) for printing and output through 0).

The information acquisition unit 1655 reads and acquires predetermined card information from a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 1610. It features.

In addition, the information acquisition unit 1655 inputs a private medical insurance settlement amount (or an insurance payment amount) to be settled through the private medical insurance of the amount that the customer should pay the key input unit 1610 to the medical institution. Received and / or settled the private medical insurance amount (or payment amount) from the terminal (or device) used by the doctor (or nurse) of the medical institution through the cable communication unit and / or short-range wireless communication unit of the communication processing unit 1630 Characterized in that it receives and obtains.

In addition, the information acquisition unit 1655 extracts and obtains the medical institution information providing the medical service to the customer from the memory unit 1650 (or the private medical insurance settlement amount (or the insurance payment amount) will be deposited). It is characterized by.

In addition, the information acquisition unit 1655 receives the disease code information through the key input unit 1610 and / or the doctor of the medical institution through a cable communication unit and / or a short range wireless communication unit of the communication processing unit 1630. (Or a nurse) is characterized in that to receive and obtain the predetermined disease code information from the terminal (or device) used.

The full text generation unit 1660 may include an insurance approval request including at least one of the card information, the private medical insurance settlement amount (or the insurance payment amount), the medical institution information, and the disease code information obtained through the information acquisition unit 1655. Characterized by generating a full text, the preferred embodiment for the insurance approval request full text will be described in detail with reference to FIG.

When the insurance approval request full text is generated through the full text generation unit 1660, the full text message transmission unit 1665 transmits the full text of the insurance approval request through the network communication unit of the communication processing unit 1630. 1500, and then the specialized receiver 1670 transmits insurance details corresponding to the entire insurance approval request message from the private medical insurance management server 1500 through a network communication unit of the communication processor 1630. Insurance approval, including the waiting to receive.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the private medical insurance management server 1500 through the network communication unit of the communication processing unit 1630, the expert receiving unit 1670 is received. The received insurance approval telegram is provided to the specialist processing unit 1675.

The expert processing unit 1675 extracts an insurance processing history including any one of insurance approval details or insurance error details from the insurance approval full text, and outputs the insurance processing details through the screen output unit 1615, or And / or print output through the print output unit 1640.

17 is a diagram illustrating the insurance approval request full text structure according to an embodiment of the present invention.

More specifically, FIG. 17 illustrates an implementation method for an insurance approval request specialized structure transmitted from a predetermined insurance processing terminal 1570 shown in FIG. 16 to a private medical insurance operation server 1500 through a predetermined network means. As an example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 17 to infer various implementation methods for the insurance approval request specialized structure according to the intention to those skilled in the art. However, the present invention encompasses all the inferred implementation methods, and the insurance approval request full text structure is not limited to the one illustrated in FIG.

Referring to FIG. 17, the insurance approval request full-text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The insurance approval request text includes a transaction classification item (eg, private medical insurance settlement request, cancellation of private medical insurance settlement, etc.) related to the private medical insurance settlement process, and a terminal_ID corresponding to the insurance processing terminal 1570 provided in the medical institution. An item, an information input mode item, and card information (eg, financial institution information, insurance company information, virtual account information, etc.) obtained from a predetermined card through a card reader provided in the insurance processing terminal 1570. After the prescribed FS (File Separator, 0X1C), the private medical insurance settlement amount (or insurance payment amount) item, the customer payment amount to be finally paid to the medical institution, the working key index item, the password Item, disease code information item, and document serial number item.

Here, the Terminal_ID item is an information item corresponding to the medical institution information, and the private medical insurance management server 1500 and / or the insurance company server 1530 are provided with the medical treatment terminal 1570 through the Terminal_ID item. Check and check the medical institution account corresponding to the medical institution.

According to another exemplary embodiment of the present invention, the insurance approval request message may further include at least one medical institution information item (eg, medical institution name, medical institution account number, etc.) that can intuitively recognize the medical institution in addition to the Terminal_ID item. The present invention is not limited thereby.

In addition, the information input mode item is information for confirming whether information included in the insurance approval request text is received from a doctor (or nurse) terminal provided in the medical institution, or input through a predetermined key input.

The card information item is card information read from a card issued to the customer through the card issuing system shown in FIG. 1 and includes virtual account information, financial institution information, and insurance company information. If predetermined card information is read from the card issued to the customer through the card issuing system shown in FIG. 8, the card information may include a predetermined card number, thereby limiting the present invention. No.

The private medical insurance settlement amount (or insurance payment amount) item includes an amount to be settled through the private medical insurance of the total medical expenses that the customer is required to pay to the medical institution, and the customer payment amount The item includes the amount of customer payment amount to be paid by the customer to the medical institution after the private medical insurance settlement process.

The disease code information item may include at least one disease code information corresponding to an object of providing medical services to the customer at the medical institution, and the disease code information may be used to receive the full insurance approval request. It is preferable to include code information that can be confirmed by the insurance company.

In addition, the document serial number item is information for managing the full insurance approval request, and includes a unique number assigned so as not to be duplicated in the insurance processing terminal (1570).

18 is a diagram illustrating a process of requesting a private medical insurance settlement process according to an embodiment of the present invention.

More specifically, FIG. 18 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 1 after a predetermined customer is provided with medical services at a predetermined medical institution. In the case of the medical expenses corresponding to the medical service, the customer contribution (eg, all medical expenses) in addition to the medical expenses (eg, 70% of the total medical expenses) settled by the National Health Insurance Corporation to the medical institution in response to the medical insurance card. The present invention relates to a process of requesting a portion of the cost (for example, 90% of the customer charge) to be settled to private medical insurance through the private medical insurance operating system shown in FIG. Those skilled in the art may refer to and / or modify this drawing 18 to request the private medical insurance settlement process. Although various implementation methods may be inferred, the present invention includes all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

In the drawing 18, the insurance processing terminal 1570 shown in the drawings 15 and / or 16 is referred to as " terminal " for convenience.

In order for the customer to receive the private medical insurance service according to the present invention, he / she carries a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. 1 and visits a predetermined medical institution. The medical insurance card and the card are presented before (or after receiving) at least one medical service.

Thereby, the medical institution performs the procedure for requesting settlement of the National Medical Insurance Corporation contribution (eg, 70% of the total medical expenses) of the total medical expenses of the customer to the National Medical Insurance Corporation, In addition, some of the customer contributions (eg, 30% of the total medical expenses) (eg, 90% of the customer contributions) are provided in the terminal shown in FIG. 16 to settle through the private medical insurance subscribed to by the customer. By reading the card issued to the customer through the card issuing system shown in FIG. 1 through a card reader (1800), predetermined card information is obtained from the card.

Thereafter, the terminal inputs the private medical insurance settlement amount (or insurance payment amount) and / or disease code information through a predetermined key input means, and / or the disease code information from a predetermined doctor (or nurse) terminal. And / or (1805) receiving private medical insurance settlement amount (or insurance payment amount) information, extracting the medical institution information from a memory and generating a predetermined journal serial number (1810), and then the card information and private medical service. Generate a full insurance approval request as shown in FIG. 17 (1815), including insurance settlement amount (or insurance payment amount), disease code information, medical institution information, and document serial number (1815). It transmits to the private medical insurance management server 1500 through the means (1820).

The private medical insurance management server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message and stores the insurance operation information D / B 1525 through the card information. By inquiring, the insurance company server 1530 which relays the full insurance approval request message is confirmed (1825).

If the insurance company server 1530 which relays the insurance approval request message is not confirmed (1830), the private medical insurance operation server 1500 generates an insurance approval message including unconfirmed error information of the predetermined insurance company server 1530. In operation 1835, the insurance approval message is transmitted to the terminal through the network means (1840), and the private medical insurance settlement process is stopped.

On the other hand, when the insurance company server 1530 which relays the full insurance approval request is confirmed (1830), the private medical insurance operation server 1500 to the insurance company server 1530 through the predetermined communication means to the insurance approval request Relay the full text (1845).

19 is a diagram illustrating a process of approving a private medical insurance settlement process according to an embodiment of the present invention.

In more detail, in FIG. 19, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 18 is transferred to the insurance company server 1530 through the predetermined private medical insurance operation server 1500. When received, the insurance company server (1530) for the process of the approval process for the insurance approval request, the person of ordinary skill in the art to which the present invention pertains, referring to and / or modified to this figure 19 Various implementation methods for approving the private medical insurance settlement process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 19, the insurance company server 1530 performs a predetermined private medical insurance approval procedure, and connects to a predetermined financial system to the settled amount of the private medical insurance (or the amount paid). After performing the settlement procedure, the insurance approval message corresponding to the insurance approval request message is generated and described as being transmitted to the private medical insurance operation server 1500. However, the present invention is not limited thereto. After the insurance company server 1530 performs the private medical insurance approval procedure, a predetermined insurance approval message is generated and transmitted to the private medical insurance operation server 1500, and the private medical insurance settlement amount is linked with the financial system. It is also possible to carry out the settlement procedure for the amount of insurance benefits.

Referring to FIG. 19, the entire insurance approval request generated by a predetermined insurance processing terminal 1570 through the process shown in FIG. 18 is received by the insurance company server 1530 through the predetermined private medical insurance operating server 1500. In operation 1900, the insurance company server 1530 extracts the card information and the disease code information from the received insurance approval request text for approval of the private medical insurance settlement (1905), and is extracted from the insurance approval request text. The insurance approval information D / B 1565 is inquired through card information to determine whether the customer who has received the card with the card information read is a private medical insurance subscriber of the insurance company (1910).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered to be a member of the insurance company's private medical insurance.

If the card information check result is that the customer who has issued the card with the card information read is not a private medical insurance member of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (1915), the insurance company server 1530 generates an insurance processing history including a predetermined insurance error history (1920), the insurance including the insurance processing history The approval message is generated and transmitted to the private medical insurance management server 1500 (1955).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is the customer of the insurance company's private medical insurance (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (1915), the insurance company server 1530 and the card information in the insurance approval information D / B (1565) through the disease code information extracted from the full insurance approval request; By querying the disease code information included in the linked insurance product information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is subject to the private medical insurance (1925).

If the disease corresponding to the medical service provided by the client is not covered by the private medical insurance (1930), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (1930). In operation 1955, an insurance approval text including the insurance processing details is generated and transmitted to the private medical insurance operation server 1500 (1955).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the private medical insurance (1930), the insurance company server 1530 may settle the card information and the private medical insurance from the received insurance approval request message. Extracting information for settlement processing of the private medical insurance including the amount (or insurance payment amount) and the medical institution information (1935), and linking the card information with the financial system corresponding to the financial institution information included in the card information. The process of settlement of the private medical insurance settlement amount (or insurance payment amount) is performed through the included virtual account number, the private medical insurance settlement amount (or insurance payment amount) and medical institution information (1940).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. The amount of the private medical insurance settlement (or the amount paid) is withdrawn from the insurer's account and deposited into the mother account of the financial institution, and then the customer virtual account number and the medical institution information are provided to the financial system. The private medical insurance settlement amount (or insurance payment amount) transferred from the financial institution mother account is transferred from the financial institution mother account to the customer virtual account, and the private medical insurance settlement amount (or insurance payment payment) to the customer virtual account. The amount of information) and the medical institution information are linked.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in connection with the private medical insurance management institution mother account, the insurance company server 1530 is the financial system The private medical insurance settlement amount (or insurance payment amount) is withdrawn from the insurance company account and deposited into the mother account of the private medical insurance management institution in connection with the client, and the customer virtual account number and the medical institution information are provided to the financial system. In response, the financial system transfers the private medical insurance settlement amount (or the insurance payment amount) deposited to the private medical insurance management institution mother account from the private medical insurance management institution mother account to the customer virtual account, and then the customer. Information on the settlement amount of the private medical insurance (or the amount of the insurance payment) Cooperative processing of the medical institution information.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. The private medical insurance settlement amount (or insurance payment amount) is transferred (or deposited) from the insurance company's mother account to the customer virtual account, and then the customer virtual account number and the medical institution information are provided to the financial system. The financial system links and processes the private medical insurance settlement amount (or insurance payment amount) information and the medical institution information in the customer virtual account.

If settlement of the private medical insurance settlement amount (or insurance payment amount) is completed (1945), the insurance company server 1530 may settle the private medical insurance settlement amount (or insurance payment amount) in connection with the financial system. An insurance processing history including insurance approval details corresponding to the processing result is generated (1950), and an insurance approval text including the insurance processing details is generated and transmitted to the private medical insurance operation server 1500 (1955).

20 is a diagram illustrating a process of processing a result of private medical insurance settlement according to an embodiment of the present invention.

More specifically, FIG. 20 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 19 and generates an insurance approval text including a predetermined insurance treatment history. When the transfer to the private medical insurance management server 1500, the process of processing the insurance approval full text in the private medical insurance management server 1500, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for processing the result of the private medical insurance settlement may be inferred by referring to and / or modifying the drawing 20, the present invention includes all the inferred implementation methods, and the implementation method shown in this drawing 20 It is not limited by.

In the following drawing, the insurance processing terminal 1570 shown in Figs. 15 and / or 16 is referred to as " terminal " for convenience.

Referring to FIG. 20, through the process shown in FIG. 19, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When transmitting to the private medical insurance management server 1500, the private medical insurance management server 1500 receives the insurance approval message transmitted from the insurance company server 1530 (2000), and receives the received insurance approval message Relay transmission to the terminal provided in the medical institution through the network means (2005).

The terminal receiving the insurance approval message from the private medical insurance operation server 1500 reads the received insurance approval message, extracts a predetermined insurance processing history from the insurance approval message (2010), and the extracted insurance By reading the processing details, the insurance approval details or insurance error details of the private medical insurance settlement amount (or the insurance payment amount) are checked (2015).

If it is confirmed that the insurance error details of the private medical insurance settlement amount (or insurance payment amount) is confirmed (2020), the terminal outputs the insurance error details on a predetermined screen provided in the terminal, and And / or prints to a predetermined printing device provided in the terminal (2025).

On the other hand, if the insurance approval details for the private medical insurance settlement amount (or insurance payment amount) is confirmed (2020), the terminal outputs the insurance approval details on a predetermined screen provided in the terminal, and And / or prints to a predetermined printing device provided in the terminal (2030).

21 is a diagram illustrating a process for requesting a private medical insurance settlement process according to another embodiment of the present invention.

More specifically, FIG. 21 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 8 after a predetermined customer is provided with medical services at a predetermined medical institution. In the case of the medical expenses corresponding to the medical service, the customer contribution (eg, all medical expenses) in addition to the medical expenses (eg, 70% of the total medical expenses) settled by the National Health Insurance Corporation to the medical institution in response to the medical insurance card. The present invention relates to a process of requesting a portion of the cost (for example, 90% of the customer charge) to be settled to private medical insurance through the private medical insurance operating system shown in FIG. Those skilled in the art can refer to and / or modify this drawing 21 to request the private medical insurance settlement process. Would be able to infer the various method embodiments, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 21.

In the following Figure 21, the insurance processing terminal 1570 shown in Figures 15 and / or Figure 16 is referred to as " terminal " for convenience.

In order for the customer to receive the private medical insurance service according to the present invention, he / she carries a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. 8 and visits a predetermined medical institution. The medical insurance card and the card are presented before (or after receiving) at least one medical service.

Thereby, the medical institution performs the procedure for requesting settlement of the National Medical Insurance Corporation contribution (eg, 70% of the total medical expenses) of the total medical expenses of the customer to the National Medical Insurance Corporation, In addition, some of the customer contributions (eg, 30% of the total medical expenses) (eg, 90% of the customer contributions) are provided in the terminal shown in FIG. 16 to settle through the private medical insurance subscribed to by the customer. By reading the card issued to the customer through the card issuing system shown in FIG. 8 through the card reader (2100), predetermined card information is obtained from the card.

Thereafter, the terminal inputs the private medical insurance settlement amount (or insurance payment amount) and / or disease code information through a predetermined key input means, and / or the disease code information from a predetermined doctor (or nurse) terminal. And / or receive private medical insurance settlement amount (or insurance payment amount) information (2105), extract the medical institution information from memory and generate a predetermined journal serial number (2110), and then the card information, private medical Generate the insurance approval request text as shown in FIG. 17, including insurance settlement amount (or insurance payment amount), disease code information, medical institution information, and document serial number (2115), and generate the predetermined insurance approval request text in a predetermined network. The private medical insurance management server 1500 transmits through the means (2120).

The private medical insurance management server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message and stores the insurance operation information D / B 1525 through the card information. By inquiring, the insurance company server 1530 which relays the insurance approval request text is checked (2125).

If the insurance company server 1530 which relays the insurance approval request message is not confirmed (2130), the private medical insurance operation server 1500 may apply the insurance approval message including the unchecked error information of the predetermined insurance company server 1530. It generates (2135), and transmits the insurance approval full text to the terminal through the network means (2140), and stops the private medical insurance settlement process.

On the other hand, if the insurance company server 1530 to relay the insurance approval request full text is confirmed (2130), the private medical insurance operation server 1500 to the insurance company server 1530 confirmed through the predetermined communication means the insurance approval request The full text is relayed (2145).

22 is a diagram illustrating a process of approving a private medical insurance settlement process according to another embodiment of the present invention.

In more detail, in FIG. 22, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 21 is transferred to the insurance company server 1530 through the predetermined private medical insurance operation server 1500. When received, the insurance company server (1530) for the process of the approval process for the full insurance approval request, if the person of ordinary skill in the art to which the present invention belongs, with reference to and / or modified this figure 22 Various implementation methods for approving the private medical insurance settlement process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 22, the insurance company server 1530 performs a predetermined private medical insurance approval procedure, and connects to the predetermined financial system to settle the private medical insurance settlement amount (or the payment amount). After performing the settlement procedure, the insurance approval message corresponding to the insurance approval request message is generated and described as being transmitted to the private medical insurance operation server 1500. However, the present invention is not limited thereto. After the insurance company server 1530 performs the private medical insurance approval procedure, a predetermined insurance approval message is generated and transmitted to the private medical insurance operation server 1500, and the private medical insurance settlement amount is linked with the financial system. It is also possible to carry out the settlement procedure for the amount of insurance benefits.

Referring to FIG. 22, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 21 is received by the insurance company server 1530 through the predetermined private medical insurance operation server 1500. In operation 2200, the insurance company server 1530 extracts the card information and the disease code information from the received insurance approval request text for approval of the private medical insurance settlement (2205), and extracts the insurance information from the insurance approval request. The insurance approval information D / B 1565 is queried through the card information to determine whether the customer who is issued the card with the card information read is a customer of the insurance company's private medical insurance (2210).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered to be a member of the insurance company's private medical insurance.

If the card information check result is that the customer who has issued the card with the card information read is not a private medical insurance member of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (2215), the insurance company server 1530 generates an insurance processing history including a predetermined insurance error history (2220), the insurance including the insurance processing history The full text of the approval is generated and transmitted to the private medical insurance management server 1500 (2260).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is the customer of the insurance company's private medical insurance (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (2215), the insurance company server 1530 and the card information in the insurance approval information D / B (1565) through the disease code information extracted from the full insurance approval request; By querying the disease code information included in the linked insurance product information, the customer checks whether a disease corresponding to the medical service provided from the medical institution is covered by the private medical insurance (2225).

If the disease corresponding to the medical service provided by the client is not covered by the private medical insurance (2230), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (2230). 2220), and generates an insurance approval text including the insurance treatment details and transmits to the private medical insurance management server 1500 (2260).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the private medical insurance (2230), the insurance company server 1530 may settle the card information and the private medical insurance from the received insurance approval request message. Information for settlement processing of the private medical insurance, including the amount (or insurance payment amount) and medical institution information, is extracted (2235).

Here, the card information is a card number (or customer ID information, or customer social security number) provided on the card issued through the card issuing system shown in FIG. 8, and the insurance approval information D / B 1565 includes the card. Predetermined virtual account information (e.g., a customer virtual account number and information on a financial institution in which the virtual account is opened, shown in FIG. 15 for convenience) is stored.

Therefore, the insurance company server 1530 extracts the virtual account information (for example, the customer virtual account number and the financial institution information on which the virtual account is opened) matched with the card information from the insurance approval information D / B 1565. 2240, through the virtual account number included in the virtual account information, the private medical insurance settlement amount (or the insurance payment amount), and the medical institution information in association with the financial system corresponding to the financial institution information included in the virtual account information. The settlement processing procedure for the private medical insurance settlement amount (or insurance payment amount) is performed (2245).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. The amount of the private medical insurance settlement (or the amount paid) is withdrawn from the insurer's account and deposited into the mother account of the financial institution, and then the customer virtual account number and the medical institution information are provided to the financial system. The private medical insurance settlement amount (or insurance payment amount) transferred to the financial institution mother account is transferred from the financial institution mother account to the customer virtual account, and the private medical insurance settlement amount (or insurance payment payment) to the customer virtual account. The amount of information) and the medical institution information are linked.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in connection with the private medical insurance management institution mother account, the insurance company server 1530 is the financial system The private medical insurance settlement amount (or insurance payment amount) is withdrawn from the insurance company account and deposited into the mother account of the private medical insurance management institution in connection with the client, and the customer virtual account number and the medical institution information are provided to the financial system. In response, the financial system transfers the private medical insurance settlement amount (or the insurance payment amount) deposited to the private medical insurance management institution mother account from the private medical insurance management institution mother account to the customer virtual account, and then the customer. Information on the amount of the private medical insurance settlement (or the amount of the insurance payment) on the virtual account Processes linked to the medical information.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. The private medical insurance settlement amount (or insurance payment amount) is transferred (or deposited) from the insurance company's mother account to the customer virtual account, and then the customer virtual account number and the medical institution information are provided to the financial system. The financial system links and processes the private medical insurance settlement amount (or insurance payment amount) information and the medical institution information in the customer virtual account.

If settlement of the private medical insurance settlement amount (or insurance payment amount) is completed (2250), the insurance company server 1530 is settled of the private medical insurance settlement amount (or insurance payment amount) in connection with the financial system. An insurance processing history including insurance approval details corresponding to the processing result is generated (2255), an insurance approval text including the insurance processing details is generated and transmitted to the private medical insurance operation server 1500 (2260).

23 is a diagram illustrating a process of processing a private medical insurance settlement result according to an embodiment of the present invention.

More specifically, FIG. 23 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 22, and generates an insurance approval text including a predetermined insurance treatment history. When the transfer to the private medical insurance management server 1500, the process of processing the insurance approval full text in the private medical insurance management server 1500, if the person having ordinary knowledge in the technical field to which the present invention belongs, Various implementation methods for processing the private medical insurance settlement result may be inferred by referring to and / or modifying the drawing 23, but the present invention includes all the implementation methods inferred, and the implementation method shown in this drawing 23 It is not limited by.

In the drawing 23, the insurance processing terminal 1570 shown in the drawings 15 and / or 16 is referred to as " terminal " for convenience.

Referring to FIG. 23, through the process shown in FIG. 22, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When transmitting to the private medical insurance management server 1500, the private medical insurance management server 1500 receives the insurance approval message transmitted from the insurance company server 1530 (2300), and receives the received insurance approval message Relay transmission is performed to the terminal provided in the medical institution through the network means (2305).

The terminal receiving the insurance approval text from the private medical insurance operation server 1500 reads the received insurance approval text, extracts a predetermined insurance processing history from the insurance approval text (2310), and the extracted insurance. By reading the processing details, the insurance approval details or insurance error details for the private medical insurance settlement amount (or insurance payment amount) are checked (2315).

If it is confirmed that the insurance error details of the private medical insurance settlement amount (or insurance payment amount) (2320), the terminal outputs the insurance error details on a predetermined screen provided in the terminal, and And / or prints the output to a predetermined printing device provided in the terminal (2325).

On the other hand, if the insurance approval details of the private medical insurance settlement amount (or insurance payment amount) is confirmed (2320), the terminal outputs the insurance approval details on a predetermined screen provided in the terminal, and / Or prints the output to a predetermined printing device provided in the terminal (2330).

24 is a diagram showing the configuration of a private health insurance operating system according to another embodiment of the present invention.

More specifically, FIG. 24 shows the settlement of the private medical insurance of the medical expenses that the customer is required to pay to a predetermined medical institution by using the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8. The amount (or insurance payment amount) is settled, and after the application of the private medical insurance among the medical expenses, the private medical insurance management institution processes the customer payment amount to be paid by the customer to the medical institution as a predetermined direct debit. As a system configuration, a person of ordinary skill in the art to which the present invention pertains refers to the medical expenses that the customer should pay to a predetermined medical institution using the card by referring to and / or modifying the drawing 24. Settle the private medical insurance settlement amount (or insurance payment amount) and settle the customer payment amount Various would be able to infer the system configuration, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 24.

For example, a person skilled in the art to which the present invention pertains may implement a method of payment of the customer payment amount through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 24. It may be inferred, but the present invention comprises all of the inferred implementation method.

Hereinafter, when the storage medium 140 shown on the card issuing system shown in FIGS. 1 and / or 8 is provided in the private health insurance management institution in FIG. 24, the storage medium 140 is referred to as " Insurance management information D / B 1525, and when the storage medium 140 is provided in at least one insurance company, the storage medium 140 is referred to as "insurance approval information D / B 1565" for convenience. .

Referring to FIG. 24 according to an embodiment of the present invention, the private medical insurance operating system includes a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8, and the card through the card. An insurance processing terminal 1570 for generating and transmitting at least one full-text for the settlement of the private medical insurance settlement amount (or insurance payment amount) among the medical expenses to be paid to a predetermined medical institution; and the insurance processing terminal 1570 is connected through a predetermined network means and relays a predetermined insurance approval request message transmitted from the insurance processing terminal 1570 to an insurance company corresponding to the private medical insurance subscribed to by the customer, and the insurance company server ( Private medical service that receives an insurance approval message corresponding to the insurance approval request message from 1530 and relays it to the insurance processing terminal 1570. Insurance company server (1530) is connected to the private management insurance server 1500, the private medical insurance management server 1500 through a predetermined communication means for processing the approval of the insurance approval request received from the private medical insurance management server (1500) The insurance company server 1530, when the insurance approval process corresponding to the insurance approval request, the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text Characterized in that it comprises a financial system for settlement processing.

The customer carries a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIGS. 1 and / or 8 and visits at least one medical institution (eg, a clinic or a hospital). After receiving the predetermined medical service, the medical cost corresponding to 30% of the total medical expenses corresponding to the medical service provided to the customer through the medical insurance card (eg, the remaining 70% of the total medical expenses Medical expenses are settled by the National Medical Insurance Corporation).

At this time, the customer settles 90% of the medical expenses corresponding to 30% of the total medical expenses through a card issued through the card issuing system shown in FIGS. 1 and / or 8. The amount of the client's final payment to the medical institution corresponds to 10% of the medical expenses corresponding to 30% of the total medical expenses.

The medical institution issues 90% of the medical expenses (e.g., 30% of the total medical expenses) that the customer is required to pay to the medical institution through the card issuing system shown in FIGS. 1 and / or 8. A predetermined insurance processing terminal 1570 is provided for the settlement process through the old card.

The insurance processing terminal 1570 may be a window terminal provided at a window of the medical institution, and / or a card terminal having a predetermined card payment function, and / or medical expenses (eg, premise) to be paid to the medical institution by the customer. And at least one of a predetermined unmanned terminal for processing an unmanned settlement for 30% of medical expenses), the preferred embodiment of the insurance processing terminal 1570 is shown in FIG. It explains in detail.

The window terminal of the insurance processing terminal 1570 is a terminal provided in the medical cost storage window of the medical institution, and by implementing the function of the insurance processing terminal 1570 shown in FIG. In accordance with the insurance processing terminal 1570.

In addition, the card terminal of the insurance processing terminal 1570 is a card payment terminal provided in the medical cost storage window of the medical institution, the insurance processing terminal (1570) shown in Figure 25 to the card payment terminal provided in the storage window By implementing the function to operate as an insurance processing terminal 1570 according to the present invention, or the card terminal includes a private medical insurance processing dedicated card terminal having an insurance processing terminal (1570) shown in Figure 25 It is possible to achieve.

In addition, the unmanned terminal of the insurance processing terminal 1570 is connected to a predetermined KIOSK and / or at least one or more financial systems provided in the medical institution through a predetermined CD common network (CD / ATM) provided in the medical institution ( By implementing the insurance processing terminal 1570 function shown in FIG. 25 in a financial terminal including a Cash Dispenser / Automatic Teller Machine, it operates as an insurance processing terminal 1570 according to the present invention, or the unmanned terminal is shown in FIG. It is possible to include an automated terminal for the private medical insurance processing with the insurance processing terminal 1570 shown in FIG.

The insurance processing terminal 1570 is connected to the private medical insurance management server 1500 provided in a predetermined private medical insurance management institution through a predetermined network means, the customer to pay to the medical institution Settlement of private medical insurance amount (or payment amount) equivalent to 90% of medical expenses (e.g., 30% of total medical expenses) is settled by the insurance company corresponding to the private medical insurance that the client has Characterized by the predetermined insurance approval request to make it characterized in that the transmission to the private medical insurance management server 1500.

In addition, the insurance processing terminal 1570 receives a predetermined insurance approval message including an insurance treatment history corresponding to the insurance approval request message from the private medical insurance operation server 1500 through the network means, and the insurance It is characterized in that the insurance treatment details included in the approval full text (for example, screen output and / or print output).

The private medical insurance operation server 1500 relays an insurance processing terminal 1570 provided in at least one medical institution and an insurance company server 1530 provided in at least one insurance company, and the private medical insurance. The operation server 1500 reads card information included in the insurance approval request text, and predetermined card information and insurance company information (for example, insurance company server 1530) for checking the insurance company server 1530 to relay the insurance approval request text. Insurance management information D / B (1525) for storing the information) in conjunction with).

Referring to FIG. 24, the private medical insurance operation server 1500 may include a specialized receiver 1505 for receiving a predetermined insurance approval request text from at least one insurance processing terminal 1570 through the network means, and the insurance approval. A professional confirmation unit 1510 for extracting card information included in the request text and confirming the insurance company server 1530 to relay the insurance approval request text in connection with the insurance management information D / B 1525; An insurance including the insurance processing details corresponding to the insurance approval request message from the insurance company server 1530 through the communication means relayed to the confirmed insurance company server 1530 through a communication means; A professional relay unit 1520 for receiving an approval message and the insurance approval message have a specialized transmission unit 1515 for transmitting to the insurance processing terminal 1570 through the network means. It characterized by comprising.

In addition, the private medical insurance operation server 1500, if the private medical insurance settlement amount (or insurance payment amount) corresponding to the full insurance approval request is settled normally, the customer payment amount to be finally paid to the medical institution Characterized in that the customer payment payment section 2400 is further provided for payment processing.

According to the exemplary embodiment of the present invention, the customer payment settlement unit 2400 may directly process the customer payment amount to be paid by the customer to the medical institution. Debit payment information (for example, debit payment account information and the financial institution information and / or customer payment amount information opened for the debit payment account is opened) for processing the customer payment amount to be finally paid, characterized in that it further comprises.

According to another embodiment of the present invention, the customer payment settlement unit 2400, the customer to the medical approval request for the prepayment of the customer payment amount to be paid by the customer to the final medical institution, the customer is the medical institution Prepaid information (eg, prepaid card number and / or customer payment amount information) for processing the payment of the customer payment amount to be paid in the end is characterized in that it is further included.

According to another embodiment of the present invention, the customer payment settlement unit 2400 to the credit payment processing of the customer payment amount that the customer should pay the final payment to the medical institution, the insurance approval request in full the customer is the medical institution Credit payment information (for example, credit card number and / or customer payment amount information) for processing the customer payment amount to be finally paid to the characterized in that it further comprises.

The specialized receiver 1505 may receive a predetermined insurance approval request telegram generated and transmitted by at least one insurance processing terminal 1570 provided in at least one medical institution through the network means. The full insurance approval request is provided to the specialized confirmation unit 1510.

According to an embodiment of the present invention, the insurance approval request message may include the card information, the medical institution information, at least one disease code information provided by the medical institution to the customer, and the private service corresponding to the medical service. It is preferable to include at least one or more medical insurance settlement amount (or insurance payment amount).

According to an embodiment of the present invention, when the customer is issued a card through the card issuing system shown in FIG. 1, the card information is virtual for the settlement processing of the private medical insurance settlement amount (or insurance payment amount). It is preferable to include an account number, information on the financial institution in which the virtual account is opened, and insurance company information corresponding to the private medical insurance subscribed to by the customer.

According to another embodiment of the present invention, when the customer is issued a card through the card issuing system shown in FIG. 8, the card information includes a predetermined card number (or customer ID information, or customer social security number). Preferably, the insurance management information D / B (1525) is to store the virtual account information of the customer (for example, the customer virtual account number and the information of the financial institution opened the virtual account) associated with the card information is stored; It is preferable.

When a predetermined insurance approval request text is received through the specialized receiving unit 1505, the specialized checking unit 1510 extracts card information included in the insurance approval request text, and based on the extracted card information. The insurance company information D / B 1525 checks insurance company information stored in association with the card information, thereby communicating a predetermined communication means (for example, the private medical insurance operation server 1500 and at least one insurance company server 1530). A predetermined insurance company server 1530 to relay the insurance approval request message through a communication network).

When a predetermined insurance company server 1530 which transmits the insurance approval request message is confirmed through the specialized confirmation unit 1510, the specialized relay unit 1520 may receive the insurance approval request received through the specialized receiver 1505. Characterized in (or at least one or more information extracted to provide to the insurance company server 1530 from the insurance approval request message), characterized in that the relay transmission through the communication means to the confirmed insurance company server 1530, and then The specialized relay unit 1520 receives the insurance approval message including the insurance processing details corresponding to the insurance approval request message from the insurance company server 1530 through the communication means.

According to the implementation method of the present invention, the insurance processing details include insurance approval details including that the insurance company approved the settlement of the private medical insurance settlement amount (or payment amount) included in the full insurance approval request. Or, it is preferable to include a predetermined insurance error history, including not the settlement of the private medical insurance settlement amount (or insurance payment amount) included in the full insurance approval request in the insurance company.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the insurance company server 1530 through the communication means while receiving the insurance approval message, the specialized relay unit 1520. Provides the full insurance approval to the specialized transmission unit 1515.

In addition, when the insurance approval message is received from the insurance company server 1530, the specialized relay unit 1520 reads the insurance processing details included in the insurance approval message, and the insurance approval request message is received from the insurance company server 1530. It is characterized by checking whether the private medical insurance settlement process corresponding to the approval is approved.

If the result of the reading does not approve the private medical insurance settlement process corresponding to the insurance approval request text from the insurance company server 1530, the specialized relay unit 1520 transfers the insurance approval text to the specialized transmission unit 1515. to provide.

On the other hand, if the read result is approved by the insurance company server 1530 private medical insurance settlement processing corresponding to the insurance approval request full text, the specialized relay unit 1520 is the insurance approval full text (or the insurance approval request full text) Provided to the customer payment settlement unit 2400.

The customer payment settlement unit 2400 may settle the debit payment information (for example, the information of the financial institution in which the debit payment account and the debit payment account are opened) and the private medical insurance settlement amount from the insurance approval letter (or the insurance approval request letter). (Or the insurance payment amount) and the medical institution information are extracted, and the customer payment amount to be finally paid by the customer to the medical institution is calculated from the private medical insurance settlement amount (or the insurance payment amount).

If the insurance approval preamble (or the insurance approval request preamble) includes the customer payment amount to be finally paid by the customer to the medical institution, the customer payment settlement part 2400 is the insurance approval preamble (or the insurance approval). Extracts the customer payment amount information from the request message).

Thereafter, the customer payment settlement unit 2400 processes a direct debit payment for the customer payment amount through the debit payment information in connection with the financial system through a predetermined communication means (for example, the debit payment for the customer payment amount). Withdrawal from the account and transfers the money into the medical institution account).

If the direct payment processing for the customer payment amount is completed, the customer payment settlement unit 2400 is the insurance approval statement for the payment process for the customer payment (for example, payment approval history, or payment for the customer payment) Error details), and then provides the full text of the insurance approval including the payment processing details for the customer payment to the specialized transmission unit 1515.

The specialized transmission unit 1515 may transmit the insurance approval full text to an insurance processing terminal 1570 that has transmitted the insurance approval request full text through a predetermined network means.

The insurance company server 1530 is characterized in that the private medical insurance management server 1500 and the communication connection through a predetermined communication means, the insurance company server 1530 is relayed from the private medical insurance management server 1500 The card information issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 to approve the insurance approval request included in the insurance approval request text, and the private medical insurance to which the customer subscribes. And insurance approval information D / B 1565 for linking and storing corresponding insurance product information, wherein the insurance approval information D / B 1565 is a customer who subscribes to the private insurance of the insurance company. It is preferable that the information is further included.

According to an embodiment of the present invention, the insurance product information stored in the insurance approval information D / B 1565 may be guaranteed by the customer through the private medical insurance (for example, the customer should pay the medical institution. Preferably, at least one disease code information including 90% of medical expenses (eg, costs corresponding to 30% of total medical expenses) can be settled through the private medical insurance.

Referring to FIG. 24, the insurance company server 1530 may include a specialized receiver 1535 for receiving a predetermined insurance approval request message transmitted from the private medical insurance management server 1500 through the communication means, and the received message. An information extracting unit 1540 for extracting information required for insurance approval from the insurance approval request text, and the insurance approval information D / B 1565 associated with the insurance approval information D / B 1565 based on the extracted information; An insurance approval unit 1550 is provided for approving the settlement of the private medical insurance settlement amount (or insurance payment amount).

In addition, if the insurance company server 1530 is approved by the insurance approval unit 1550 for the settlement of the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request, the card information, the card information Settlement processing unit 1560 for depositing and processing the private medical insurance settlement amount (or insurance payment amount) to the customer virtual account (or mother account associated with the customer virtual account) by using the included virtual account number and financial institution information (1560) It is characterized by comprising a).

In addition, if the insurance company server 1530 is approved by the insurance approval unit 1550 for the settlement of the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text, a predetermined insurance approval Generate a predetermined insurance processing history corresponding to the details, generate a predetermined insurance approval text including the generated insurance processing history, or include the insurance approval request 1550 included in the insurance approval request text; If the settlement processing for the private medical insurance settlement amount (or the insurance payment amount) is not approved, a predetermined insurance processing history corresponding to a predetermined insurance error history is generated, and a predetermined insurance approval including the generated insurance processing history is generated. Characterized in that it comprises a professional generation unit 1545 for generating a full text.

In addition, when the insurance company server 1530 is generated by the full-text generation unit 1545, the insurance approval message including the insurance treatment details, the insurance approval message is the private medical insurance operation server 1500 through the communication means Characterized in that it comprises a specialized transmission unit 1555 for transmitting to.

The specialized receiver 1535 is connected to the private medical insurance management server 1500 via the communication means, the predetermined insurance approval request telegram transmitted from the private medical insurance management server 1500 via the communication means Characterized in that it receives, and provides the received insurance approval request full text to the information extraction unit 1540.

The information extracting unit 1540 extracts information necessary for insurance approval from the insurance approval request message received through the specialized receiving unit 1535, and the information necessary for the insurance approval is the card information and the medical institution. Preferably comprises at least one disease code information that provides medical services to the customer, and then the information extracting unit 1540 stores the card information and disease code information extracted from the insurance approval request text. Provided to the insurance approval unit (1550).

The insurance approval unit 1550 compares and authenticates the card information and the card information stored in the insurance approval information D / B 1565, thereby authenticating whether the customer is a member of the insurance company's private medical insurance. It is characterized by.

According to an embodiment of the present invention, when the card information matching the card information included in the insurance approval request text is stored on the insurance approval information D / B 1565, the customer subscribes to private insurance of the insurance company. As long as the valid customer is approved.

In addition, the insurance approval unit 1550 extracts insurance product information linked to the card information from the insurance approval information D / B 1565, and includes disease code information and the insurance product included in the insurance approval request text. By comparing and authenticating the disease code information included in the information, the medical service provided by the client (e.g., a disease treated by the client's medical institution) is the medical cost (e.g., premise) that the client is required to pay to the medical institution. 90% of the cost, which corresponds to 30% of the medical expenses, is characterized by checking whether the insurance company is subject to private medical insurance.

According to the method of the present invention, when the disease code information included in the insurance product information stored in the insurance approval information D / B (1565) and the disease code information included in the full insurance approval request, the customer is said 90% of medical expenses (eg, 30% of total medical expenses) to be paid to medical institutions are approved to be settled by the insurer.

When the settlement processing for the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request text is approved by the insurance approval unit 1550, the information extracting unit 1540 is the insurance approval request text. Extracting information from the insurer for 90% of the medical expenses (for example, 30% of the total medical expenses) to be paid to the medical institution by the insurance company. The necessary information may include the card information, the private medical insurance settlement amount (or the insurance payment amount), and the medical institution information. Then, the information extracting unit 1540 may extract the card information extracted from the insurance approval request text. And provide the private medical insurance settlement amount (or insurance payment amount) and medical institution information to the settlement processing unit 1560.

According to an exemplary embodiment of the present invention, when the card information includes a virtual account number corresponding to the customer virtual account and financial institution information, the information extracting unit 1540 sends the card information to the settlement processing unit 1560. to provide.

According to another exemplary embodiment of the present invention, when the card information includes a predetermined card number (or customer ID information or customer social security number), the information extracting unit 1540 may include insurance approval information D / B 1565 ( Or a customer virtual account number associated with the card information and a database having financial institution information), and extracts the customer virtual account number and financial institution information associated with the card information to the settlement processor 1560.

The settlement processing unit 1560 is the card information (for example, the customer virtual account number and the information on the financial institution opened the virtual account), the private medical insurance settlement amount (or insurance payment amount) and the medical institution from the information extraction unit 1540 When the information is provided, the private medical insurance settlement amount (or the insurance payment amount) is deposited to the customer virtual account in connection with the financial system corresponding to the financial institution corresponding to the card information through a predetermined communication means. Medical institution information (eg, medical institution identification information, medical institution account information, etc.) to the financial system so that the medical insurance settlement amount (or insurance payment amount) is finally transferred (or deposited) from the customer virtual account to the medical institution (or medical institution account). ).

According to an exemplary embodiment of the present invention, when the customer virtual account is processed in connection with the financial institution mother account, the settlement processing unit 1560 is connected with the financial system to settle the private medical insurance settlement amount (or insurance payment amount). After withdrawing money from an insurance company account and depositing it into the financial institution mother account, the customer virtual account number and the medical institution information are provided to the financial system, and in response, the financial system settles the private medical insurance account deposited to the financial institution mother account. After transferring an amount (or insurance payment amount) from the financial institution mother account to the customer virtual account, the private medical insurance settlement amount (or insurance payment amount) information and the medical institution information are linked to the customer virtual account.

Thereafter, the private medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the financial institution mother account is finally transferred to the medical institution account corresponding to the medical institution information through the financial system. Deposit) is processed.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in connection with the mother account of the private health insurance management institution, the settlement processing unit 1560 is linked with the financial system to settle the private medical insurance amount (or insurance payment) Amount of money) is withdrawn from the insurance company account and deposited into the mother account of the private health insurance management institution, and the customer virtual account number and the medical institution information are provided to the financial system, and the financial system manages the private health insurance operation. The private medical insurance settlement amount (or insurance payment amount) transferred to the institutional mother account is transferred from the private medical insurance management institution mother account to the customer virtual account, and then the private medical insurance settlement amount (or insurance payment payment) to the customer virtual account. The amount of information) and the medical institution information are linked.

Thereafter, the private medical insurance settlement amount (or the payment amount) transferred to the customer virtual account through the private medical insurance management institution mother account is transferred to the medical institution account corresponding to the medical institution information through the financial system. Final transfer (or deposit) is processed.

According to another embodiment of the present invention, when the customer virtual account is processed in connection with the insurance company's mother account, the settlement processing unit 1560 is connected with the financial system to settle the private medical insurance settlement amount (or insurance payment amount) After transferring (or depositing) from the insurance company's mother account to the customer's virtual account, the customer's virtual account number and the medical institution information are provided to the financial system, and in response, the financial system provides the private medical insurance to the customer's virtual account. The settlement amount (or insurance payment amount) information is linked to the medical institution information.

Thereafter, the private medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the insurance company mother account is finally transferred (or deposited) to the medical institution account corresponding to the medical institution information through the financial system. Is processed.

If the settlement approval for the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text is approved by the insurance approval unit 1550, the full text generation unit 1545 provides a predetermined insurance approval history. And generate a predetermined insurance approval statement corresponding to the predetermined insurance approval statement, and generate a predetermined insurance approval letter including the generated insurance treatment statement, and then transfer the generated insurance approval statement to the specialized transmission unit 1555. to provide.

Alternatively, if the settlement processing for the private medical insurance settlement amount (or the insurance payment amount) included in the insurance approval request text is not approved by the insurance approval unit 1550, the full text generation unit 1545 may provide a predetermined insurance policy. Generate a predetermined insurance processing history corresponding to the error history, and generate a predetermined insurance approval text including the generated insurance processing history, and then transfer the generated insurance approval text to the specialized transmission unit 1555. To provide.

When the full-text transmission unit 1555 generates an insurance approval text including the insurance processing details by the full-text generation unit 1545, the full-text insurance approval server is the private medical insurance operation server 1500 through the communication means. The private medical insurance management server 1500 relays the insurance approval message to an insurance processing terminal 1570 provided in the medical institution.

Referring to FIG. 24, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the external system of the financial system deposits the private medical insurance settlement amount (or insurance payment amount) to the customer virtual account in connection with the settlement processing unit 1560 provided in the insurance company server 1530, and In addition, the private medical insurance settlement amount (or insurance payment amount) is characterized in that it comprises a medical expenses settlement unit for the final transfer (or deposit) processing from the customer virtual account to the medical institution (or medical institution account).

When the customer virtual account is processed in connection with the financial institution mother account according to an embodiment of the present invention, the medical expenses settlement unit in connection with the settlement processing unit 1560 of the insurance company server 1530 from the insurance company account from the private medical insurance Withdraw the settlement amount (or insurance payment amount) and deposit it into the financial institution mother account, and if the customer virtual account number is provided from the settlement processing unit 1560, the private medical insurance settlement amount deposited into the financial institution mother account (or The insurance payment amount) is transferred (or deposited) to the customer virtual account linked to the financial institution mother account, and / or the medical institution information is provided from the settlement processing unit 1560, the private medical insurance settlement amount (or Insurance payment amount) from the customer's virtual account to the medical institution account corresponding to the medical institution information. It is desirable to make a final transfer (or deposit).

In addition, the medical expenses settlement unit immediately transfers (or deposits) a private medical insurance settlement amount (or a payment amount) transferred to (or deposited) the customer virtual account through a financial institution mother account to the medical institution account corresponding to the medical institution information. Or after maintaining (or depositing) a private medical insurance settlement amount (or payment amount) transferred to at least one customer virtual account for a period of time, and periodically transferring (or depositing) to a medical institution account corresponding to the medical institution information. It is preferable that the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when the customer virtual account is linked to the private medical insurance management institution mother account, the medical expenses settlement unit is linked to the settlement processing unit 1560 of the insurance company server 1530 from the insurance company account. Withdraw the private medical insurance settlement amount (or insurance payment amount) and deposit it to the private medical insurance management institution mother account, and if the customer virtual account number is provided from the settlement processing unit 1560, the private medical insurance management institution mother account Transfer (or deposit) the deposited private medical insurance settlement amount (or insurance payment amount) to the customer virtual account linked to the private medical insurance management institution mother account, and / or from the settlement processing unit 1560 When the information is provided, the settlement of the private medical insurance settlement amount (or the payment amount) is transferred to the store customer virtual account. It is preferable to withdraw money and make a final transfer (or deposit) to a medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement unit immediately transfers (or deposits) the private medical insurance settlement amount (or payment amount) transferred to the virtual account of the customer through the private medical insurance management institution's mother account to the medical institution account corresponding to the medical institution information ( Or deposit) or maintain (or pay) the private medical insurance settlement amount transferred to (or deposit to) at least one customer's virtual account for a period of time, and then periodically transfer to a medical institution account corresponding to the medical institution information ( Or deposit), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in association with the insurance company mother account, the medical expenses settlement unit is provided with the customer virtual account number from the settlement processing unit 1560 of the insurance company server 1530, Transfer (or deposit) the private medical insurance settlement amount (or insurance payment amount) deposited in the insurance company mother account to the customer virtual account linked to the insurance company mother account, and / or from the settlement processing unit 1560 to the medical institution When the information is provided, it is preferable to withdraw the private medical insurance settlement amount (or insurance payment amount) from the merchant customer virtual account and finally transfer (or deposit) the medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement unit immediately transfers (or deposits) the private medical insurance settlement amount (or the payment amount) transferred to the customer virtual account (or the payment amount) to the medical institution account corresponding to the medical institution information through an insurance company mother account, Alternatively, after maintaining (or depositing) a private medical insurance settlement amount (or payment amount) transferred to at least one customer virtual account for a period of time, periodically transferring (or depositing) to a medical institution account corresponding to the medical institution information Preferably, the present invention is not limited thereto.

25 is a diagram showing the functional configuration of the insurance processing terminal 1570 according to another embodiment of the present invention.

In more detail, FIG. 25 illustrates an embodiment of an insurance processing terminal 1570 for settlement of customer medical expenses through the private medical insurance on the private medical insurance operating system shown in FIG. 24. Those skilled in the art may refer to and / or modify this drawing 25 to infer the configuration of various insurance processing terminals 1570 for settlement of customer medical expenses through private medical insurance. It is to be understood that the technical features of the present invention are not limited to this drawing 25 but include all the inferred implementation methods.

For example, FIG. 25 illustrates that the insurance processing terminal 1570 further includes a function of processing the customer payment amount to be paid by the direct payment to the medical institution by direct payment. However, the present invention belongs to the present invention. If a person of ordinary skill in the art, the amount of the customer payment to be finally paid to the medical institution by the customer through the prepayment and / or credit settlement in the insurance processing terminal 1570 by referring to and / or modified in this figure 25 It will be possible to infer a functional configuration for payment processing, the present invention comprises the implementation method inferred.

Referring to FIG. 25, the insurance processing terminal 1570 basically includes a control unit 2505, a memory unit 2550, a card reader unit 2510, a key input unit 2520, a screen output unit 2515, and a communication processing unit 2530. ) And a security application module 2535, a print output unit 2540 and a power supply unit 2525 for supplying power to the insurance processing terminal 1570, at least one terminal functional unit according to the intention of the skilled person (Not shown) and the like.

The control unit 2505 controls the overall operation of the insurance processing terminal 1570 in terms of function configuration, manages the flow of information or data between the respective components, and provides insurance for settlement of customer medical expenses through the private medical insurance. Characterized in that controls the components provided in the processing terminal 1570, and at least one processor and execution memory (e.g., register and / / including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) Or a random access memory (RAM) and a bus for inputting and outputting predetermined data, and from a predetermined recording medium in order to perform a function specific to the insurance processing terminal 1570 by software. Contains predetermined program routines and / or program data loaded into the execution memory and processed by the processor. (As a result, a predetermined program and / or the insurance processing terminal 1570 recorded on a recording medium provided to the insurance processing terminal 1570 for the settlement of the customer medical expenses through the private medical insurance is provided. In the functional configuration, a component capable of being processed by software is shown in the control unit 2505).

According to an embodiment of the present invention, the control unit 2505 may include components (eg, the memory unit 2550, the card reader unit 2510, the key input unit 2520, and the screen) provided in the insurance processing terminal 1570. The insurance processing terminal by interworking an output unit 2515, a communication processing unit 2530, a security application module 2535, a print output unit 2540, and / or a terminal function unit (not illustrated) according to the intention of a person skilled in the art. In addition to controlling and managing providing the private medical insurance settlement processing service defined in 1570, the insurance processing terminal 1570 is provided for the settlement of customer medical expenses through the private medical insurance according to the present invention. It is preferable to execute a program recorded in a recording medium provided in the insurance processing terminal 1570 for controlling the components by interworking with each other and / or for the settlement of customer medical expenses through the private medical insurance.

The memory unit 2550 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the insurance processing terminal 1570 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 2505 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an embodiment of the present invention, the memory unit 2550 stores medical institution information (eg, medical institution identification information, medical institution account information, etc.) to be included in a predetermined insurance approval request text generated by the insurance processing terminal 1570. It is desirable to.

The customer who is provided with the settlement processing of the client's medical expenses through the private medical insurance according to the present invention through the insurance processing terminal 1570, MS (Magnetic Stripe) card, and / or ISO / based on the ISO / IEC 7810 standard Have (or own) a contact IC card (or wireless IC chip) based on the IEC 7816 standard, and / or a card comprising at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card reader 2510 may provide an interface for reading at least one or more information or data included in the card.

According to an embodiment of the present invention, the card reader unit 2510 may include an MS reader unit that provides an interface between the MS card and the insurance processing terminal 1570, and / or the contact IC card and the insurance processing terminal ( 1570) a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the insurance processing terminal 1570.

The MS reader unit is a card reader unit 2510 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the insurance processing terminal 1570 using the loaded.

The contact IC reader unit is a card reader unit 2510 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the insurance processing terminal (1570).

The contactless IC reader unit is a card reader unit 2510 based on ISO / IEC 14443. The contactless IC reader unit may be formed at least in electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and insurance information or data from the IC chip through the half-duplex transaction using the APDU It is characterized in that the interface to the processing terminal 1570.

According to an embodiment of the present invention, the card reader unit 2510 may be configured from at least one card reader unit 2510 for the private medical insurance settlement processing service defined in the insurance processing terminal 1570, and / or as shown in FIG. It is preferable to read predetermined card information provided in the card through the card issuing system shown in FIG.

The key input unit 2520 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the insurance processing terminal 1570 controlled by the controller 2505. When predetermined information (or signal) is inputted from the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 2505. The control unit 2505 may acquire predetermined key data corresponding to the key event in the current input mode and / or operation mode of the insurance processing terminal 1570, and / or match the key event. A to obtain a command to execute a predetermined function of the features. The key input unit 2520 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the insurance processing terminal 1570.

The key input device which is interlocked with the key input unit 2520 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an embodiment of the present invention, the key input unit 2520 corresponds to the private medical insurance settlement processing service from at least one key input device for the private medical insurance settlement processing service defined in the insurance processing terminal 1570. It is preferable to perform a function of a key input means for receiving key data (for example, a payment amount, etc.), and from the key input device for the settlement of customer medical expenses through the private medical insurance according to the present invention. It is preferable to perform the function of the key input means for receiving at least one or more key data required in the process of providing settlement processing of the customer medical expenses through insurance.

The screen output unit 2515 is a liquid crystal display (LCD) by the control unit 2505 while the insurance processing terminal 1570 performs a predetermined function (for example, a private medical insurance settlement processing function using a card). And / or output at least one or more information or data which is predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. The screen output unit 2515 and the screen output device interoperate with each other to perform a function of the screen output means provided in the insurance processing terminal 1570.

Predefined information or data to be output to the screen output device by the insurance processing terminal 1570 is provided in the key data input through the key input unit 2520 and / or in the insurance processing terminal 1570. Information (or data) stored or generated by the component, information (or data) transmitted / received through the communication processing unit 2530, and / or a predetermined operation result performed by the insurance processing terminal 1570 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 2515 is a private medical insurance according to each electronic payment step to the screen output device for the private medical insurance settlement processing service defined in the insurance processing terminal 1570 It is preferable to perform the function of the screen output means for outputting the settlement processing screen, and also the customer medical expenses through the private medical insurance to the screen output device for the settlement processing of the customer medical expenses through the private medical insurance according to the present invention. It is preferable to perform the function of the screen output means for outputting a processing screen corresponding to the settlement processing providing step of the controller.

The communication processing unit 2530 performs a private medical insurance operation server 1500 and a private service through a network means while the insurance processing terminal 1570 performs a predetermined function (for example, a private medical insurance settlement processing function using a card). A communication channel for medical insurance settlement processing and / or a terminal (or device) connected to the insurance processing terminal 1570 and a predetermined cable and / or the predetermined short range wireless communication with the insurance processing terminal 1570. And a predetermined communication means for connecting a communication session with a terminal (or device) connected through communication, and a network for connecting a predetermined communication channel to the private health insurance operation server 1500 through a network means. A communication unit, and / or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or at least one or more It includes a short-range wireless communication unit for connecting a predetermined short-range communication terminal (or device) device and a predetermined communication session through a distance wireless communication means, communication for connecting the communication channel (or communication session) by software Protocol and / or drivers.

The network communication unit may include a predetermined wired network including a high speed internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication) and / or a financial common network and / or a mobile communication network or a wireless data communication network. And connecting a communication channel with the private medical insurance management server 1500 through a network means including at least one wireless network, and hardwarely connecting the insurance processing terminal 1570 to a predetermined wired or wireless network. And a modem or a network interface card (NIC), and includes a communication protocol and / or driver for software to connect the insurance processing terminal 1570 to the wired and wireless network.

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, LAN, RS-232c, USB (Universal Serial Bus)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, and includes the infrared communication, RF communication, Bluetooth, WLAN, Wi-Fi, UWB in hardware It comprises a predetermined short range wireless communication module for short-range wireless communication, and comprises a communication protocol and / or driver for the private short-range wireless communication in software.

Here, the terminal (or device) connected through the cable communication unit and / or the short-range wireless communication unit includes a terminal (or device) used by at least one or more doctors (or nurses) providing predetermined medical services in the medical institution. Through the terminal (or device), the insurance processing terminal 1570 may provide predetermined disease code information and / or private medical insurance settlement amount (or insurance payment amount).

The Secure Application Module (SAM) is a confidentiality and / or authentication required by the insurance processing terminal 1570 to perform a private medical insurance settlement procedure through the card. And / or secure and reliable architecture within the insurance processing terminal 1570 without security requirements, including integrity and / or nonrepudiation, without using a certificate server (not shown) on the network means. As a safety device for performing the operation, the insurance processing terminal 1570 encrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). Critical information in the process of adding or authenticating, adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. It characterized in that it performs the function of storing.

In general, the security application module 2535 is preferably composed of a predetermined security application module 2535 inserter and security application module 2535 chip, the security application module 2535 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 2535 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the insurance processing terminal 1570 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 2540 may include a process of performing the predetermined function (for example, a private medical insurance settlement processing function using a card) and / or predetermined information or data generated as a result of the insurance processing terminal 1570 (for example, , The result of the private medical insurance settlement process) is output to a predetermined printing device (for example, a receipt printing machine), and for printing the printing information or data in accordance with a predefined printing form through the predetermined printing device. Including printing protocols and drivers.

Referring to FIG. 25, the insurance processing terminal 1570 acquires at least one or more information to be included in the full insurance approval request for the settlement of customer medical expenses through private medical insurance according to the present invention. ), A full text generation unit 2560 for generating a predetermined insurance approval request text including at least one information obtained through the information acquisition unit 2555, and the insurance generated through the full text generation unit 2560 Specialized transmission unit 2565 for transmitting the full approval request message to the private medical insurance management server 1500 through the communication processing unit 2530, and the insurance corresponding to the full insurance approval request message from the private medical insurance management server 1500 A professional receiving unit 2570 for receiving the approval text and the insurance processing history included in the insurance approval text are read and output through the screen output unit 2515, and / or the print output unit 254. It is characterized in that it comprises a specialized processing unit (2575) for printing output through 0).

The information acquisition unit 2555 reads and acquires predetermined card information from a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 2510. It features.

Also, the information acquisition unit 2555 inputs a private medical insurance settlement amount (or an insurance payment amount) to be settled through the private medical insurance among the amounts that the customer has to pay the key input unit 2510 to the medical institution. The private medical insurance settlement amount (or insurance payment amount) from a terminal (or device) received and / or used by a doctor (or nurse) of the medical institution through a cable communication unit and / or a near field communication unit of the communication processing unit 2530. Characterized in that it receives and obtains.

In addition, the information acquisition unit 2555 is to extract and obtain the medical institution information that provided the medical service to the customer (or the private medical insurance settlement amount (or insurance payment amount) will be deposited) from the memory unit do.

In addition, the information acquisition unit 2555 may receive predetermined disease code information from the key input unit 2510, and / or a doctor of the medical institution through a cable communication unit and / or a short range wireless communication unit of the communication processing unit 2530. (Or a nurse) is characterized in that to receive and obtain the predetermined disease code information from the terminal (or device) used.

In addition, the information acquisition unit 2555 reads predetermined debit payment information from the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 2510. It is characterized by obtaining.

In addition, the information acquisition unit 2555 may receive a predetermined debit payment amount (for example, a customer payment amount to be finally paid to the medical institution) by the key input unit 2510, and / or an information acquisition unit ( If a predetermined private medical insurance settlement amount (or insurance payment amount) is obtained through 2555), the debit payment amount (for example, the customer makes a final payment to the medical institution) from the private medical insurance settlement amount (or insurance payment amount) To calculate the customer payment amount to be obtained).

The full text generation unit 1545 and 2560 include at least one or more of the card information, the private medical insurance settlement amount (or the insurance payment amount), the medical institution information, and the disease code information obtained through the information acquisition unit 2555. And / or generating an insurance approval request text containing at least one or more of the direct debit information and / or the direct debit payment amount. A preferred embodiment of the insurance approval request text will be described in detail with reference to FIG. .

When the insurance approval request full text is generated through the full text generation unit 2560, the full text transmission unit 2565 transmits the full text of the insurance approval request through the network communication unit of the communication processing unit 2530. 1500, and the professional receiving unit 2570 then processes insurance details corresponding to the entire insurance approval request message from the private medical insurance operation server 1500 through the network communication unit of the communication processing unit 2530. Insurance approval, including the waiting to receive.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the private medical insurance management server 1500 through the network communication unit of the communication processing unit 2530, the specialized receiving unit 2570 The received insurance approval text is provided to the specialized processor 2575.

The expert processing unit 2575 extracts an insurance processing history including any one of insurance approval details or insurance error details from the insurance approval full text, and outputs the insurance processing details through the screen output unit 2515, or And / or print output through the print output unit 2540.

In addition, when the insurance approval text includes a debit payment history including any one of the debit authorization or debit payment error history, the debit payment history is extracted from the insurance approval text, and the insurance processing history The screen may be output through the screen output unit 2515, and / or the print output may be performed through the print output unit 2540.

26 is a diagram illustrating an insurance approval request specialized structure according to another embodiment of the present invention.

More specifically, FIG. 26 illustrates an implementation method for an insurance approval request specialized structure transmitted from a predetermined insurance processing terminal 1570 shown in FIG. 25 to a private medical insurance operation server 1500 through a predetermined network means. As an example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 26 to infer various implementation methods for the insurance approval request specialized structure according to the intention to those skilled in the art. However, the present invention encompasses all the inferred implementation methods, and the insurance approval request structure is not limited to that illustrated in FIG.

Referring to FIG. 26, the insurance approval request full text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The insurance approval request preamble corresponds to a transaction classification item (eg, private medical insurance settlement request, cancellation of private medical insurance settlement, etc.) related to the private medical insurance settlement processing, and an insurance processing terminal 1570 provided in the medical institution. A terminal_ID item, an information input mode item, and card information (eg, financial institution information, insurance company information, virtual account information, etc.) obtained from a predetermined card through a card reader provided in the insurance processing terminal 1570. After the FS (File Separator, 0X1C), the private medical insurance settlement amount (or the insurance payment amount) item, the customer payment amount to be finally paid to the medical institution, the working key index item, It includes a password item, a disease code information item, a debit account information item, a bank code item and a document serial number item.

Here, the Terminal_ID item is an information item corresponding to the medical institution information, and the private medical insurance management server 1500 and / or the insurance company server 1530 are provided with the medical treatment terminal 1570 through the Terminal_ID item. Check and check the medical institution account corresponding to the medical institution.

According to another exemplary embodiment of the present invention, the insurance approval request message may further include at least one medical institution information item (eg, medical institution name, medical institution account number, etc.) that can intuitively recognize the medical institution in addition to the Terminal_ID item. The present invention is not limited thereby.

In addition, the information input mode item is information for confirming whether information included in the insurance approval request text is received from a doctor (or nurse) terminal provided in the medical institution or input through a predetermined key input.

The card information item is card information read from a card issued to the customer through the card issuing system shown in FIG. 1 and includes virtual account information, financial institution information, and insurance company information. If predetermined card information is read from the card issued to the customer through the card issuing system shown in FIG. 8, the card information may include a predetermined card number, thereby limiting the present invention. No.

The private medical insurance settlement amount (or insurance payment amount) item includes an amount to be settled through the private medical insurance of the total medical expenses that the customer is required to pay to the medical institution, and the customer payment amount The item includes the amount of customer payment amount to be paid by the customer to the medical institution after the private medical insurance settlement process.

The disease code information item may include at least one disease code information corresponding to an object of providing medical services to the customer at the medical institution, and the disease code information is an insurance company that finally receives the full insurance approval request. It is preferable to include the code information that can be confirmed by.

The debit account information item may include a debit account number for processing the debit payment for an amount corresponding to the customer payment amount item, and the bank code item corresponds to a financial institution in which the debit account is opened. To include code information.

According to the method of the present invention, the debit payment information corresponding to the debit account information item and the bank code item is read from the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8. desirable.

In addition, the document serial number item is information for managing the full insurance approval request, and includes a unique number assigned so as not to be duplicated in the insurance processing terminal (1570).

27 is a view showing a process for requesting a private medical insurance settlement process according to an embodiment of the present invention.

More specifically, FIG. 27 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 1 after a predetermined customer is provided with a medical service at a predetermined medical institution. In the case of the total medical expenses corresponding to the medical service, the client's contribution (eg, total) in addition to the medical expenses (eg, 70% of the total medical expenses) settled by the National Health Insurance Corporation to the medical institution in response to the medical insurance card. 30% of medical expenses) (e.g., 90% of the customer's contribution) are settled as private medical insurance through the private medical insurance management system shown in Fig. 24, and the customer is required to make a final payment to the medical institution. It is a process for requesting the payment of customer payments by direct debit, having a common knowledge in the technical field to which the present invention belongs. If one grows up, various implementation methods for requesting the private medical insurance settlement process may be inferred by referring to and / or modifying the drawing 27, but the present invention includes all the inferred implementation methods, and is shown in this drawing 27. It is not limited by the implemented method.

For example, a person skilled in the art to which the present invention pertains may implement a method of payment of the customer payment amount through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 24. It may be inferred, but the present invention comprises all of the inferred implementation method.

In addition, FIG. 27 illustrates that the customer reads the debit payment information once more from the customer card in order to process the customer payment amount to be finally paid to the medical institution by direct payment. The process of reading may be included in the process of reading the card information from the card and may be processed at one time, thereby limiting the present invention.

In the drawing 27, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

In order for the customer to receive the private medical insurance service according to the present invention, he / she carries a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. 1 and visits a predetermined medical institution. The medical insurance card and the card are presented before (or after receiving) at least one medical service.

Thereby, the medical institution performs the procedure for requesting settlement of the National Medical Insurance Corporation contribution (eg, 70% of the total medical expenses) of the total medical expenses of the customer to the National Medical Insurance Corporation, In addition, some of the customer contributions (eg, 30% of the total medical expenses) (eg, 90% of the customer contributions) are provided in the terminal illustrated in FIG. 25 to settle through the private medical insurance subscribed to by the customer. By reading the card issued to the customer through the card issuing system shown in FIG. 1 through a card reader (2700), predetermined card information is obtained from the card.

Thereafter, the terminal inputs the private medical insurance settlement amount (or insurance payment amount) and / or disease code information through a predetermined key input means, and / or the disease code information from a predetermined doctor (or nurse) terminal. And / or receive the private medical insurance settlement amount (or insurance payment amount) information (2705), extract the medical institution information from a memory and generate a predetermined journal serial number (2710), and then the card information and private medical care. A full insurance approval request as shown in FIG. 26 is generated, including insurance settlement amount (or insurance payment amount), disease code information, medical institution information, and document serial number (2715).

Thereafter, the terminal checks whether the customer pays the debit payment for the customer payment amount to be finally paid to the medical institution (2720).

According to an embodiment of the present invention, the terminal outputs the customer payment amount information on the terminal screen, and when the customer processes the customer payment amount by direct payment, requests to read the customer card once more, And / or by inputting a direct debit processing instruction of the customer payment amount, it is preferable to confirm whether the customer will process the customer payment amount to be paid to the medical institution as direct debit.

If it is not confirmed that the customer processes the customer payment amount to be finally paid to the medical institution by direct payment (2725), the terminal operates the private medical insurance insurance policy through the predetermined network means. The server 1500 transmits the data to the server 1500 (2740).

On the other hand, if it is confirmed that the customer processes the customer payment amount to be finally paid to the medical institution by direct payment (2725), the terminal debits provided to the card through the card issuing system shown in FIG. 1 from the customer card. After reading the payment information (2730), adding the read direct debit information to the insurance approval request text (2735), the full text of the insurance approval request including the debit payment information through private network means It transmits to the insurance management server 1500 (2740).

The private medical insurance management server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message and stores the insurance operation information D / B 1525 through the card information. By inquiring, the insurance company server 1530 which relays the insurance approval request text is checked (2745).

If the insurance company server 1530 which relays the insurance approval request message is not confirmed (2750), the private medical insurance operation server 1500 generates an insurance approval message including unconfirmed error information of the predetermined insurance company server 1530. (2755), the insurance approval message is transmitted to the terminal through the network means (2760), and the private medical insurance settlement process is stopped.

On the other hand, if the insurance company server 1530 to relay the insurance approval request full text is confirmed (2750), the private medical insurance operation server 1500 to the insurance company server 1530 through the predetermined communication means to the insurance approval request Relay the full text (2765).

28 is a diagram illustrating a process of approving the private medical insurance settlement process according to an embodiment of the present invention.

More specifically, FIG. 28 shows the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 27 to the insurance company server 1530 through the predetermined private medical insurance operation server 1500. When received, the insurance company server (1530) for the process of the approval process for the full insurance approval request, if the person of ordinary skill in the art to which the present invention belongs, with reference to and / or modified this figure 28 Various implementation methods for approving the private medical insurance settlement process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 28, the insurance company server 1530 executes a predetermined private medical insurance approval procedure, and connects to the predetermined financial system to settle the private medical insurance settlement amount (or the payment amount). After performing the settlement procedure, the insurance approval message corresponding to the insurance approval request message is generated and described as being transmitted to the private medical insurance operation server 1500. However, the present invention is not limited thereto. After the insurance company server 1530 performs the private medical insurance approval procedure, a predetermined insurance approval message is generated and transmitted to the private medical insurance operation server 1500, and the private medical insurance settlement amount is linked with the financial system. It is also possible to carry out the settlement procedure for the amount of insurance benefits.

Referring to FIG. 28, the entire insurance approval request generated in a predetermined insurance processing terminal 1570 through the process shown in FIG. 27 is received by the insurance company server 1530 through the predetermined private medical insurance operating server 1500. When the insurance company server 1530 extracts the card information and the disease code information from the received insurance approval request text for approval of the private medical insurance settlement (2805), and is extracted from the insurance approval request text. The insurance approval information D / B 1565 is queried through the card information to determine whether the customer who has issued the card with the card information read is a customer of the insurance company's private medical insurance (2810).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered to be a member of the insurance company's private medical insurance.

If the card information check result is that the customer who has issued the card with the card information read is not a private medical insurance member of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (2815), the insurance company server 1530 generates an insurance processing history including a predetermined insurance error history (2820), the insurance including the insurance processing history The full text of the approval is generated and transmitted to the private medical insurance management server 1500 (2855).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is the customer of the insurance company's private medical insurance (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (2815), the insurance company server 1530 and the card information in the insurance approval information D / B (1565) through the disease code information extracted from the full insurance approval request; By querying the disease code information included in the linked insurance product information, the customer checks whether a disease corresponding to the medical service provided from the medical institution is covered by the private medical insurance (2825).

If the disease corresponding to the medical service provided by the client is not covered by the private medical insurance (2830), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (2830); 2820), and generates an insurance approval text including the insurance treatment details and transmits the insurance approval full text to the private medical insurance management server 1500 (2855).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the private medical insurance (2830), the insurance company server 1530 may settle the card information and the private medical insurance from the received insurance approval request message. Extracting information for settlement processing of the private medical insurance including the amount (or insurance payment amount) and medical institution information (2835), and linking the card information with the financial system corresponding to the financial institution information included in the card information. In operation 2840, the virtual account number, the private medical insurance settlement amount (or insurance payment amount), and the medical institution information are included in the settlement of the private medical insurance settlement amount (or insurance payment amount).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. The amount of the private medical insurance settlement (or the amount paid) is withdrawn from the insurer's account and deposited into the mother account of the financial institution, and then the customer virtual account number and the medical institution information are provided to the financial system. The private medical insurance settlement amount (or insurance payment amount) transferred to the financial institution mother account is transferred from the financial institution mother account to the customer virtual account, and the private medical insurance settlement amount (or insurance payment payment) to the customer virtual account. The amount of information) and the medical institution information are linked.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in connection with the private medical insurance management institution mother account, the insurance company server 1530 is the financial system The private medical insurance settlement amount (or insurance payment amount) is withdrawn from the insurance company account and deposited into the mother account of the private medical insurance management institution in connection with the client, and the customer virtual account number and the medical institution information are provided to the financial system. In response, the financial system transfers the private medical insurance settlement amount (or the insurance payment amount) deposited to the private medical insurance management institution mother account from the private medical insurance management institution mother account to the customer virtual account, and then the customer. Information on the settlement amount of the private medical insurance (or the amount of the insurance payment) Cooperative processing of the medical institution information.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. The private medical insurance settlement amount (or insurance payment amount) is transferred (or deposited) from the insurance company's mother account to the customer virtual account, and then the customer virtual account number and the medical institution information are provided to the financial system. The financial system links and processes the private medical insurance settlement amount (or insurance payment amount) information and the medical institution information in the customer virtual account.

If the settlement of the private medical insurance settlement amount (or insurance payment amount) is completed (2845), the insurance company server 1530 may settle the private medical insurance settlement amount (or insurance payment amount) in connection with the financial system. An insurance processing history including insurance approval details corresponding to the processing result is generated (2850), and an insurance approval text including the insurance processing details is generated and transmitted to the private medical insurance operation server 1500 (2855).

29 is a diagram illustrating a direct debit payment process of a customer payment amount according to one embodiment of the present invention.

More specifically, FIG. 29 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 28, and generates an insurance approval text including a predetermined insurance treatment history. By transmitting to the private medical insurance management server 1500, the private medical insurance management server 1500 for the process of debit payment for the customer payment amount to be paid by the customer to the medical institution, the present invention Those skilled in the art will be able to infer various implementation methods for debiting the customer payment amount by referring to and / or modifying the drawing 29, but the present invention includes all the inferred implementation methods. The present invention is not limited by the implementation method shown in FIG.

For example, a person skilled in the art to which the present invention pertains may implement a method of payment of the customer payment amount through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 24. It may be inferred, but the present invention comprises all of the inferred implementation method.

In the drawing 29, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

Referring to FIG. 29, through the process shown in FIG. 28, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When transmitting to the private medical insurance management server 1500, the private medical insurance management server 1500 is received by the insurance approval message transmitted from the insurance company server 1530 (2900), the received insurance approval professional The insurance company server 1530 checks the included insurance process details to determine whether the private medical insurance settlement process is approved (2905).

If the private medical insurance settlement process is not approved at the insurance company server 1530 (for example, if the insurance processing history includes insurance error details) 2910, the private medical insurance operation server 1500 is connected to the insurance company server. The insurance approval message received from 1530 is relayed and transmitted to the terminal provided in the medical institution through the network means (2955).

On the other hand, if the private medical insurance settlement process is approved in the insurance company server 1530 (eg, if the insurance processing details include insurance approval details) (2910), the private medical insurance operation server 1500 is the insurance approval full text Debit payment information (for example, information on a financial institution in which a direct debit account and a direct debit account are opened) and a debit payment amount (for example, a customer payment amount) are extracted from the insurance approval request text corresponding to the insurance approval text. In operation 2920, the validity of the debit payment for the debit amount is confirmed in connection with a financial system corresponding to the debit information (eg, a financial system provided in a financial institution in which a direct debit account is opened).

According to the method of the present invention, the debit validity check is a process of confirming whether an amount for processing the debit payment is deposited in the debit payment account included in the debit information in connection with the financial system. It is preferable to comprise.

If the validity of the direct debit payment is not authenticated (for example, if the amount for processing the direct debit amount is not deposited in the direct debit account) (2925), the private medical insurance operation management server 1500 may provide a predetermined amount. Create a debit payment history including a debit error history (2930), add the debit payment details to the insurance approval message received from the insurance company server (1530) (2950), and the insurance approval full text to the network The transmission is relayed to the terminal provided in the medical institution through the means (2955).

On the other hand, if the validity of the debit payment is authenticated (for example, if an amount for processing the debit payment is deposited in the debit account) (2925), the private medical insurance management server 1500 is connected with the financial system. In connection, the debit payment procedure for the debit amount is performed (2935).

According to the implementation method of the present invention, the debit payment procedure is withdrawn from the debit payment account of the customer through the financial system in the private medical insurance management server 1500 to the medical institution account (eg, the insurance It is desirable to include a procedure for depositing in the full text of the approval (or the full text of the insurance approval request) or extracting from the insurance management information D / B 1525.

If the debit payment process is completed (2940), the private medical insurance management server 1500 generates a debit processing history including the debit payment approval details corresponding to the debit payment result (2945), the debit payment The treatment details are added to the insurance approval text received from the insurance company server 1530 (2950), and the insurance approval text is relayed and transmitted to the terminal provided in the medical institution through the network means (2955).

30 is a diagram illustrating a process of processing a private medical insurance settlement result according to an embodiment of the present invention.

In more detail, when the insurance approval message including the insurance treatment details and / or direct payment processing details is received from the private medical insurance management server 1500 through the process illustrated in FIG. 29, the FIG. 30 receives the insurance processing terminal. (1570) refers to a process of reading and processing the full insurance approval, if the person of ordinary skill in the art to which the present invention pertains, referring to and / or modified this figure 30 to determine the result of the private medical insurance settlement Various implementation methods for processing may be inferred, but the present invention includes all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

In the drawing 30, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

Referring to FIG. 30, when the insurance approval message including insurance treatment details and / or direct payment processing details is received from the private medical insurance management server 1500 through the process illustrated in FIG. 29, the terminal is received. Reads the received insurance approval text, extracts a predetermined insurance treatment history from the insurance approval text (3005), and reads the extracted insurance treatment details, thereby setting up the private medical insurance settlement amount (or insurance payment amount) Check the insurance approval history or insurance error history for (3010).

If it is confirmed that the insurance error details of the private medical insurance settlement amount (or insurance payment amount) (3015), the terminal outputs the insurance error details on a predetermined screen provided in the terminal, and And / or prints to a predetermined printing device provided in the terminal (3020).

On the other hand, if the check result of the approval of the private medical insurance settlement amount (or insurance payment amount) is confirmed (3015), the terminal receives the debit payment details processed by the private medical insurance management server from the insurance approval full text Extract (3025), and read whether the extracted debit processing details include a debit authorization or a debit error history, and confirm that the debit processing for the customer payment amount to be paid by the customer to the medical institution is approved. (3030)

If it is confirmed that the debit payment error details of the customer payment amount is confirmed (for example, the debit payment for the customer payment amount is not approved) (3035), the terminal displays the insurance approval details and the debit payment error details. The screen is output to a predetermined screen provided in the terminal and / or printed out to a predetermined printing apparatus provided in the terminal (3040).

On the other hand, if the debit payment approval details of the customer payment amount are confirmed (for example, if the direct payment for the customer payment amount is approved) (3035), the terminal displays the insurance approval details and the debit payment approval details. The screen is output to a predetermined screen provided in the terminal and / or printed out to a predetermined printing apparatus provided in the terminal (3045).

31 is a diagram illustrating a process for requesting a private medical insurance settlement process according to another embodiment of the present invention.

In more detail, FIG. 31 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 8 after a predetermined customer is provided with medical services at a predetermined medical institution. In the case of the medical expenses corresponding to the medical service, the customer contribution (eg, all medical expenses) in addition to the medical expenses (eg, 70% of the total medical expenses) settled by the National Health Insurance Corporation to the medical institution in response to the medical insurance card. 30% of the cost) (e.g., 90% of the customer's contribution) is settled as private medical insurance through the private medical insurance management system shown in Fig. 24, and the customer is required to make a final payment to the medical institution. It is a process for requesting the payment amount to be processed by direct debit, which has a general knowledge in the technical field to which the present invention belongs. If one grows up, various implementation methods for requesting the private medical insurance settlement process may be inferred by referring to and / or modifying the drawing 31, but the present invention includes all the inferred implementation methods, as shown in this drawing 31. It is not limited by the implemented method.

For example, a person skilled in the art to which the present invention pertains may implement a method of payment of the customer payment amount through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 24. It may be inferred, but the present invention comprises all of the inferred implementation method.

In addition, FIG. 31 illustrates that the customer reads the debit payment information once more from the customer card in order to process the customer payment amount to be paid to the medical institution as a direct debit. The process of reading may be included in the process of reading the card information from the card and may be processed at one time, thereby limiting the present invention.

In the following Figure 31, the insurance processing terminal 1570 shown in Figures 24 and / or 25 is referred to as " terminal " for convenience.

In order for the customer to receive the private medical insurance service according to the present invention, he / she carries a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. 8 and visits a predetermined medical institution. The medical insurance card and the card are presented before (or after receiving) at least one medical service.

Thereby, the medical institution performs the procedure for requesting settlement of the National Medical Insurance Corporation contribution (eg, 70% of the total medical expenses) of the total medical expenses of the customer to the National Medical Insurance Corporation, In addition, some of the customer contributions (eg, 30% of the total medical expenses) (eg, 90% of the customer contributions) are provided in the terminal illustrated in FIG. 25 to settle through the private medical insurance subscribed to by the customer. By reading the card issued to the customer through the card issuing system shown in FIG. 8 through the card reader (3100), predetermined card information is obtained from the card.

Thereafter, the terminal inputs the private medical insurance settlement amount (or insurance payment amount) and / or disease code information through a predetermined key input means, and / or the disease code information from a predetermined doctor (or nurse) terminal. And / or receive the private medical insurance settlement amount (or insurance payment amount) information (3105), extract the medical institution information from the memory and generate a predetermined journal serial number (3110), and then the card information, private medical care. A full insurance approval request as shown in FIG. 26 is generated, including insurance settlement amount (or insurance payment amount), disease code information, medical institution information, and a serial number of the insurance (3115).

Thereafter, the terminal checks whether the customer pays the debit payment for the customer payment amount to be finally paid to the medical institution (3120).

According to an embodiment of the present invention, the terminal outputs the customer payment amount information on the terminal screen, and when the customer processes the customer payment amount by direct payment, requests to read the customer card once more, And / or by inputting a direct debit processing instruction of the customer payment amount, it is preferable to confirm whether the customer will process the customer payment amount to be paid to the medical institution as direct debit.

If it is not confirmed that the customer processes the customer payment amount to be finally paid to the medical institution by direct payment (3125), the terminal transmits the generated insurance approval request message to the private medical insurance management server through a predetermined network means. And transmits to 1500 (3140).

On the other hand, if it is confirmed that the customer processes the customer payment amount to be finally paid to the medical institution by direct payment (3125), the terminal debits provided to the card through the card issuing system shown in FIG. 8 from the customer card. After reading payment information (3130), adding the read direct debit information to the insurance approval request text (3135), the insurance approval request text including the debit payment information is transmitted through a predetermined network means. The medical insurance management server 1500 transmits the data to the medical insurance operation server 1500.

The private medical insurance management server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message and stores the insurance operation information D / B 1525 through the card information. By inquiring, the insurance company server 1530 which relays the full insurance approval request message is checked (3145).

If the insurance company server 1530 which relays the insurance approval request message is not confirmed (3150), the private medical insurance management server 1500 generates an insurance approval message including unconfirmed error information of a predetermined insurance company server 1530. In operation 3155, the insurance approval message is transmitted to the terminal through the network means (3160), and the private medical insurance settlement process is stopped.

On the other hand, if the insurance company server 1530 to relay the insurance approval request message is confirmed (3150), the private medical insurance operation server 1500 to the insurance company server 1530 through the predetermined communication means to the insurance approval request Relay the full text (3165).

32 is a diagram illustrating a process of approving a private medical insurance settlement process according to another embodiment of the present invention.

In more detail, FIG. 32 shows the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 31 to the insurance company server 1530 through the predetermined private medical insurance operation server 1500. When received, the insurance company server (1530) for the process of the approval process for the insurance approval request, the person of ordinary skill in the art to which the present invention pertains, referring to and / or modified to this figure 32 Various implementation methods for approving the private medical insurance settlement process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 32, the insurance company server 1530 performs a predetermined private medical insurance approval procedure, and connects to a predetermined financial system to settle the private medical insurance settlement amount (or the payment amount). After performing the settlement procedure, the insurance approval message corresponding to the insurance approval request message is generated and described as being transmitted to the private medical insurance operation server 1500. However, the present invention is not limited thereto. After the insurance company server 1530 performs the private medical insurance approval procedure, a predetermined insurance approval message is generated and transmitted to the private medical insurance operation server 1500, and the private medical insurance settlement amount is linked with the financial system. It is also possible to carry out the settlement procedure for the amount of insurance benefits.

Referring to FIG. 32, the entire insurance approval request generated by the predetermined insurance processing terminal 1570 through the process shown in FIG. 31 is received by the insurance company server 1530 through the predetermined private medical insurance operating server 1500. In operation 3200, the insurance company server 1530 extracts the card information and the disease code information from the received insurance approval request text for approval of the private medical insurance settlement (3205), and extracts the insurance information from the insurance approval request. The insurance approval information D / B 1565 is inquired through card information to determine whether the customer who has received the card with the card information read is a customer of the insurance company's private medical insurance (3210).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered to be a member of the insurance company's private medical insurance.

If the card information check result is that the customer who has issued the card with the card information read is not a private medical insurance member of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (3215), the insurance company server 1530 generates an insurance processing history including a predetermined insurance error history (3220), the insurance including the insurance processing history The approval message is generated and transmitted to the private medical insurance management server 1500 (3260).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is the customer of the insurance company's private medical insurance (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (3215), the insurance company server 1530 and the card information in the insurance approval information D / B (1565) through the disease code information extracted from the full insurance approval request; By querying the disease code information included in the linked insurance product information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is covered by the private medical insurance (3225).

If the disease corresponding to the medical service provided by the client is not covered by the private medical insurance (3230), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (3230); 3220), the insurance approval message including the insurance processing details is generated and transmitted to the private medical insurance operation server 1500 (3260).

On the other hand, if the disease corresponding to the medical service provided by the customer from the medical institution is subject to the private medical insurance (3230), the insurance company server 1530 may settle the card information and private medical insurance from the received insurance approval request message. Information for settlement processing of the private medical insurance, including the amount (or insurance payment amount) and medical institution information, is extracted (3235).

Here, the card information is a card number (or customer ID information, or customer social security number) provided on the card issued through the card issuing system shown in FIG. 8, and the insurance approval information D / B 1565 includes the card. Predetermined virtual account information (e.g., a customer virtual account number and information on a financial institution in which the virtual account is opened, shown in FIG. 24 for convenience) is stored.

Accordingly, the insurance company server 1530 extracts the virtual account information (for example, the customer virtual account number and the financial institution information on which the virtual account is opened) matching the card information from the insurance approval information D / B 1565. 3240, through the virtual account number included in the virtual account information, the private medical insurance settlement amount (or the amount of the insurance payment), and the medical institution information in connection with the financial system corresponding to the financial institution information included in the virtual account information. The settlement process of the private medical insurance settlement amount (or the payment amount) is performed (3245).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. The amount of the private medical insurance settlement (or the amount paid) is withdrawn from the insurer's account and deposited into the mother account of the financial institution, and the customer virtual account number and the medical institution information are provided to the financial system. The system transfers the private medical insurance settlement amount (or insurance payment amount) deposited into the financial institution mother account from the financial institution mother account to the customer virtual account, and then the private medical insurance settlement amount (or insurance money) to the customer virtual account. The payment amount) information and the medical institution information are processed in association.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in connection with the private medical insurance management institution mother account, the insurance company server 1530 is the financial system The private medical insurance settlement amount (or insurance payment amount) is withdrawn from the insurance company account and deposited into the mother account of the private medical insurance management institution in connection with the client, and the customer virtual account number and the medical institution information are provided to the financial system. In response, the financial system transfers the private medical insurance settlement amount (or the insurance payment amount) deposited to the private medical insurance management institution mother account from the private medical insurance management institution mother account to the customer virtual account, and then the customer. Information on the settlement amount of the private medical insurance (or the amount of the insurance payment) Cooperative processing of the medical institution information.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. The private medical insurance settlement amount (or insurance payment amount) is transferred (or deposited) from the insurance company's mother account to the customer virtual account, and then the customer virtual account number and the medical institution information are provided to the financial system. The financial system links and processes the private medical insurance settlement amount (or insurance payment amount) information and the medical institution information in the customer virtual account.

If settlement of the private medical insurance settlement amount (or insurance payment amount) is completed (3250), the insurance company server 1530 is settled of the private medical insurance settlement amount (or insurance payment amount) in connection with the financial system. An insurance processing history including insurance approval details corresponding to the processing result is generated (3255), and an insurance approval text including the insurance processing details is generated and transmitted to the private medical insurance operation server 1500 (3260).

33 is a diagram illustrating a direct debit payment process of a customer payment amount according to another embodiment of the present invention.

More specifically, FIG. 33 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 32, and generates an insurance approval text including a predetermined insurance treatment history. By transmitting to the private medical insurance management server 1500, the private medical insurance management server 1500 for the process of debit payment for the customer payment amount to be paid by the customer to the medical institution, the present invention Those skilled in the art will be able to infer various implementation methods for direct debit processing of the customer payment amount by referring to and / or modifying this drawing 33, but the present invention includes all of the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

For example, a person skilled in the art to which the present invention pertains may implement a method of payment of the customer payment amount through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 24. It may be inferred, but the present invention comprises all of the inferred implementation method.

In the drawing 33, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

Referring to FIG. 33, through the process shown in FIG. 32, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When transmitting to the private medical insurance management server 1500, the private medical insurance management server 1500 is received by the insurance approval message transmitted from the insurance company server 1530 (3300), the received insurance approval professional The insurance company details are included in the insurance company server 1530 to check whether the private medical insurance settlement process is approved (3305).

If the private medical insurance settlement process is not approved at the insurance company server 1530 (for example, if the insurance processing details include insurance error details) 3310, the private medical insurance operation server 1500 is connected to the insurance company server. The insurance approval message received from 1530 is relayed to the terminal provided in the medical institution through the network means (3355).

On the other hand, if the private medical insurance settlement process is approved in the insurance company server 1530 (for example, if the insurance process includes insurance approval details) (3310), the private medical insurance operation server 1500 is the insurance approval full text Debit payment information (for example, information on a financial institution in which a direct debit account and a direct debit account are opened) and a debit payment amount (for example, a customer payment amount) are extracted from the insurance approval request text corresponding to the insurance approval text. In operation 3320, the validity of the debit payment for the debit amount is verified in connection with the financial system corresponding to the debit information (eg, the financial system provided in the financial institution where the direct debit account is opened).

According to the method of the present invention, the debit validity check is a process of confirming whether an amount for processing the debit payment is deposited in the debit payment account included in the debit information in connection with the financial system. It is preferable to comprise.

If the validity of the direct debit payment is not authenticated (for example, if the amount for processing the direct debit amount is not deposited in the debit account) (3325), the private medical insurance management server 1500 may be Create a debit payment history including a debit error history (3330), add the debit payment history to the insurance approval message received from the insurance company server (1530) (3350), and the insurance approval full text to the network The transmission is relayed to the terminal provided in the medical institution through the means (3355).

On the other hand, if the validity of the debit payment is authenticated (for example, if an amount for processing the debit payment is deposited in the debit account) (3325), the private medical insurance operation server 1500 is connected with the financial system. In association, the debit payment procedure for the debit amount is performed (3335).

According to the implementation method of the present invention, the debit payment procedure is withdrawn from the debit payment account of the customer through the financial system in the private medical insurance management server 1500 to the medical institution account (eg, the insurance It is desirable to include a procedure for depositing in the full text of the approval (or the full text of the insurance approval request) or extracting from the insurance management information D / B 1525.

If the debit payment process is completed (3340), the private health insurance management server 1500 generates a debit processing history including the debit payment approval details corresponding to the debit payment result (3345), the debit payment The processing details are added to the insurance approval text received from the insurance company server 1530 (3350), and the insurance approval text is relayed to the terminal provided in the medical institution through the network means (3355).

34 is a diagram illustrating a process of processing a private medical insurance settlement result according to another embodiment of the present invention.

In more detail, when the insurance approval message including the insurance treatment details and / or direct payment processing details is received from the private medical insurance operation server 1500 through the process illustrated in FIG. (1570) refers to a process of reading and processing the full insurance approval, if the person of ordinary skill in the art to which the present invention pertains, referring to and / or modified this figure 34 and the result of the private medical insurance settlement Various implementation methods for processing may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

In the drawing 34, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

Referring to FIG. 34, when the insurance approval message including insurance treatment details and / or direct payment processing details is received from the private medical insurance management server 1500 through the process illustrated in FIG. 33, the terminal is received. Reads the received insurance approval text, extracts a predetermined insurance processing history from the insurance approval text (3405), and reads the extracted insurance processing history to the private medical insurance settlement amount (or insurance payment amount). The insurance approval details or insurance error details are checked (3410).

If it is confirmed that the insurance error details of the private medical insurance settlement amount (or insurance payment amount) (3415), the terminal outputs the insurance error details on a predetermined screen provided in the terminal, and And / or prints to a predetermined printing device provided in the terminal (3420).

On the other hand, if the check result of the approval of the private medical insurance settlement amount (or insurance payment amount) is confirmed (3415), the terminal receives the debit payment details processed by the private medical insurance management server from the insurance approval full text Extract (3425) and confirm whether the debit processing for the customer payment amount to be paid by the customer to the medical institution is approved by reading whether the extracted debit processing details include debit authorization or debit error details. (3430)

If it is confirmed that the debit payment error details of the customer payment amount is confirmed (for example, if the debit payment for the customer payment amount is not approved) (3435), the terminal displays the insurance approval details and the debit payment error details. The screen is output to a predetermined screen provided in the terminal and / or printed out to a predetermined printing apparatus provided in the terminal (3440).

On the other hand, if the debit payment approval details of the customer payment amount is confirmed (for example, if the direct payment payment is approved for the customer payment amount) (3435), the terminal displays the insurance approval details and the direct payment approval details. The screen is output to a predetermined screen provided in the terminal and / or printed out to a predetermined printing apparatus provided in the terminal (3445).

35 is a diagram showing the configuration of a private health insurance operating system according to another embodiment of the present invention.

More specifically, FIG. 35 shows the settlement of the private medical insurance plan among the medical expenses that the customer should pay to a predetermined medical institution by using the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8. The system configuration for the settlement of the amount (or insurance payment amount), and if the person skilled in the art to which the present invention pertains, refer to and / or modify this figure 35 to the customer by using the card Various system configurations for calculating the private medical insurance settlement amount (or insurance payment amount) among the medical expenses to be paid to a predetermined medical institution may be inferred, but the present invention includes all the inferred implementation methods. It is not limited by the implementation method shown in FIG.

Hereinafter, when the storage medium 140 shown on the card issuing system shown in FIGS. 1 and / or 8 is provided in the private health insurance management institution in FIG. 35, the storage medium 140 is referred to as " Insurance management information D / B 1525, and when the storage medium 140 is provided in at least one insurance company, the storage medium 140 is referred to as "insurance approval information D / B 1565" for convenience. .

Referring to FIG. 35 according to an embodiment of the present invention, the private medical insurance operating system includes a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8, and the card through the card. An insurance processing terminal 1570 for generating and transmitting at least one full-text for the settlement of the private medical insurance settlement amount (or insurance payment amount) among the medical expenses to be paid to a predetermined medical institution; and the insurance processing terminal 1570 is connected through a predetermined network means and relays a predetermined insurance approval request message transmitted from the insurance processing terminal 1570 to an insurance company corresponding to the private medical insurance subscribed to by the customer, and the insurance company server ( Private medical service that receives an insurance approval message corresponding to the insurance approval request message from 1530 and relays it to the insurance processing terminal 1570. An insurance company server 1530 connected to an insurance management server 1500 and the private medical insurance management server 1500 through a predetermined communication means to approve the entire insurance approval request message received from the private medical insurance management server 1500. The insurance company server 1530, when the insurance approval process corresponding to the insurance approval request, the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text Characterized in that it comprises a financial system for settlement processing.

The customer carries a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIGS. 1 and / or 8 and visits at least one medical institution (eg, a clinic or a hospital). After receiving the predetermined medical service, the medical cost corresponding to 30% of the total medical expenses corresponding to the medical service provided to the customer through the medical insurance card (eg, the remaining 70% of the total medical expenses Medical expenses are settled by the National Medical Insurance Corporation).

At this time, the customer settles 90% of the medical expenses corresponding to 30% of the total medical expenses through a card issued through the card issuing system shown in FIGS. 1 and / or 8. The amount of the client's final payment to the medical institution is 10% of the medical expenses, which is 30% of the total medical expenses.

The medical institution issues 90% of the medical expenses (for example, 30% of the total medical expenses) that the customer pays to the medical institution through the card issuing system shown in FIGS. A predetermined insurance processing terminal 1570 is provided for the settlement process through the card.

The insurance processing terminal 1570 may be a window terminal provided at a window of the medical institution, and / or a card terminal having a predetermined card payment function, and / or medical expenses (eg, premise) to be paid to the medical institution by the customer. At least one of a predetermined unmanned terminal for processing the unattended settlement for the cost corresponding to 30% of the medical cost, characterized in that the preferred embodiment of the insurance processing terminal 1570 through Figure 36 It explains in detail.

The window terminal of the insurance processing terminal (1570) is a terminal provided in the medical cost storage window of the medical institution, by implementing the function of the insurance processing terminal (1570) shown in Figure 36 in the terminal provided in the storage window In accordance with the insurance processing terminal 1570.

In addition, the card terminal of the insurance processing terminal 1570 is a card payment terminal provided in the medical cost storage window of the medical institution, the insurance processing terminal (1570) shown in Figure 36 to the card payment terminal provided in the storage window By implementing a function to operate as an insurance processing terminal 1570 according to the present invention, or the card terminal includes a private medical insurance processing dedicated card terminal having an insurance processing terminal 1570 function shown in FIG. It can be done.

In addition, the unmanned terminal of the insurance processing terminal 1570 is connected to a predetermined KIOSK and / or at least one or more financial systems provided in the medical institution through a predetermined CD common network (CD / ATM) provided in the medical institution ( By implementing the insurance processing terminal 1570 function shown in Fig. 36 in a financial terminal including a Cash Dispenser / Automatic Teller Machine, it operates as the insurance processing terminal 1570 according to the present invention, or the unmanned terminal is shown in Fig. 36 It is possible to include an automated terminal for the private medical insurance processing with the insurance processing terminal 1570 shown in FIG.

The insurance processing terminal 1570 is connected to the private medical insurance management server 1500 provided in a predetermined private medical insurance management institution through a predetermined network means, the customer to pay to the medical institution Settlement of private medical insurance amount (or payment amount) equivalent to 90% of medical expenses (e.g., 30% of total medical expenses) is settled by the insurance company corresponding to the private medical insurance that the client has It is characterized in that to generate a predetermined insurance approval request message to be transmitted to the private medical insurance management server 1500.

In addition, the insurance processing terminal 1570 receives a predetermined insurance approval message including an insurance treatment history corresponding to the insurance approval request message from the private medical insurance operation server 1500 through the network means, and the insurance It is characterized in that the insurance treatment details included in the approval full text (for example, screen output and / or print output).

If the insurance processing details included in the insurance approval text includes insurance approval details that normally settled the private medical insurance settlement amount (or the insurance payment amount), the insurance processing terminal 1570 may be configured by the client to the medical institution. Create a direct debit authorization request text corresponding to the amount of the customer's final payment, and transfer the debit authorization request message to a financial system in which the direct debit account is opened through a predetermined network means (and / or communication means). By transmitting, characterized in that it comprises a function for processing the payment of the customer payment amount.

The private medical insurance operation server 1500 relays an insurance processing terminal 1570 provided in at least one medical institution and an insurance company server 1530 provided in at least one insurance company, and the private medical insurance. The operation server 1500 reads card information included in the insurance approval request text, and predetermined card information and insurance company information (for example, an insurance company server for checking the insurance company server 1530 to relay the insurance approval request text). 1530), the insurance management information D / B (1525) for storing and linking the information).

Referring to FIG. 35, the private medical insurance management server 1500 may include a specialized receiver 1505 for receiving a predetermined insurance approval request text from at least one insurance processing terminal 1570 through the network means, and the insurance approval. A professional confirmation unit 1510 for extracting card information included in the request text and confirming the insurance company server 1530 to relay the insurance approval request text in connection with the insurance management information D / B 1525; An insurance including the insurance processing details corresponding to the insurance approval request message from the insurance company server 1530 through the communication means relayed to the confirmed insurance company server 1530 through a communication means; A professional relay unit 1520 for receiving an approval message and the insurance approval message have a specialized transmission unit 1515 for transmitting to the insurance processing terminal 1570 through the network means. It characterized by comprising.

The specialized receiver 1505 may receive a predetermined insurance approval request telegram generated and transmitted by at least one insurance processing terminal 1570 provided in at least one medical institution through the network means. The full insurance approval request is provided to the specialized confirmation unit 1510.

According to an embodiment of the present invention, the insurance approval request message may include the card information, the medical institution information, at least one disease code information provided by the medical institution to the customer, and the private service corresponding to the medical service. It is preferable to include at least one or more medical insurance settlement amount (or insurance payment amount).

According to an embodiment of the present invention, when the customer is issued a card through the card issuing system shown in FIG. 1, the card information is virtual for the settlement processing of the private medical insurance settlement amount (or insurance payment amount). It is preferable to include an account number, information on the financial institution in which the virtual account is opened, and insurance company information corresponding to the private medical insurance subscribed to by the customer.

According to another embodiment of the present invention, when the customer is issued a card through the card issuing system shown in FIG. 8, the card information includes a predetermined card number (or customer ID information, or customer social security number). Preferably, the insurance management information D / B (1525) is to store the virtual account information of the customer (for example, the customer virtual account number and the information of the financial institution opened the virtual account) associated with the card information is stored; It is preferable.

When a predetermined insurance approval request text is received through the specialized receiving unit 1505, the specialized checking unit 1510 extracts card information included in the insurance approval request text, and based on the extracted card information. The insurance company information D / B 1525 checks insurance company information stored in association with the card information, thereby communicating a predetermined communication means (for example, the private medical insurance operation server 1500 and at least one insurance company server 1530). A predetermined insurance company server 1530 to relay the insurance approval request message through a communication network).

When a predetermined insurance company server 1530 which transmits the insurance approval request message is confirmed through the specialized confirmation unit 1510, the specialized relay unit 1520 may receive the insurance approval request received through the specialized receiver 1505. Characterized in (or at least one or more information extracted to provide to the insurance company server 1530 from the insurance approval request message), characterized in that the relay transmission through the communication means to the confirmed insurance company server 1530, and then The specialized relay unit 1520 receives the insurance approval message including the insurance processing details corresponding to the insurance approval request message from the insurance company server 1530 through the communication means.

According to the implementation method of the present invention, the insurance processing details include insurance approval details including that the insurance company approved the settlement of the private medical insurance settlement amount (or payment amount) included in the full insurance approval request. Or, it is preferable to include a predetermined insurance error history, including not the settlement of the private medical insurance settlement amount (or insurance payment amount) included in the full insurance approval request in the insurance company.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the insurance company server 1530 through the communication means while receiving the insurance approval message, the specialized relay unit 1520. Provides the full insurance approval to the specialized transmission unit 1515.

When the insurance approval message is received from the insurance company server 1530 through the specialized relay unit 1520, the expert transmission unit 1515 transmits the insurance approval request message to the insurance approval message through a predetermined network means. It is characterized in that the transmission to one insurance processing terminal (1570).

The insurance company server 1530 is characterized in that the private medical insurance management server 1500 and the communication connection through a predetermined communication means, the insurance company server 1530 is relayed from the private medical insurance management server 1500 The card information issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 to approve the insurance approval request included in the insurance approval request text, and the private medical insurance to which the customer subscribes. And insurance approval information D / B 1565 for linking and storing corresponding insurance product information, wherein the insurance approval information D / B 1565 is a customer who subscribes to the private insurance of the insurance company. It is desirable to further include information.

According to an embodiment of the present invention, the insurance product information stored in the insurance approval information D / B 1565 may be guaranteed by the customer through the private medical insurance (for example, the customer should pay the medical institution. Preferably, at least one disease code information including 90% of medical expenses (eg, costs corresponding to 30% of total medical expenses) can be settled through the private medical insurance.

Referring to FIG. 35, the insurance company server 1530 may include a specialized receiver 1535 for receiving a predetermined insurance approval request message transmitted from the private medical insurance management server 1500 through the communication means, and the received message. An information extracting unit 1540 for extracting information required for insurance approval from the insurance approval request text, and the insurance included in the insurance approval request text in connection with the insurance approval information D / B 1565 based on the extracted information. An insurance approval unit 1550 is provided for approving the settlement of the private medical insurance settlement amount (or insurance payment amount).

In addition, if the insurance company server 1530 is approved by the insurance approval unit 1550 for the settlement of the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request, the card information, the card information Settlement processing unit 1560 for depositing and processing the private medical insurance settlement amount (or insurance payment amount) to the customer virtual account (or mother account associated with the customer virtual account) by using the included virtual account number and financial institution information (1560) It is characterized by comprising a).

In addition, if the insurance company server 1530 is approved by the insurance approval unit 1550 for the settlement of the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text, a predetermined insurance approval Generate a predetermined insurance processing history corresponding to the details, generate a predetermined insurance approval text including the generated insurance processing history, or include the insurance approval request 1550 included in the insurance approval request text; If the settlement processing for the private medical insurance settlement amount (or the insurance payment amount) is not approved, a predetermined insurance processing history corresponding to a predetermined insurance error history is generated, and a predetermined insurance approval including the generated insurance processing history is generated. Characterized in that it comprises a full text generation unit 1545 for generating a full text.

In addition, when the insurance company server 1530 is generated by the full-text generation unit 1545, the insurance approval message including the insurance treatment details, the insurance approval message is the private medical insurance operation server 1500 through the communication means It is characterized by comprising a specialized transmission unit (1515) for transmitting to.

The specialized receiver 1535 is connected to the private medical insurance management server 1500 via the communication means, the predetermined insurance approval request that is relayed from the private medical insurance management server 1500 through the communication means Characterized in that it receives the full text, and provides the received insurance approval request full text to the information extraction unit (1540).

The information extracting unit 1540 extracts information necessary for insurance approval from the insurance approval request message received through the specialized receiving unit 1535, and the information necessary for the insurance approval is the card information and the medical institution. Preferably comprises at least one disease code information that provides medical services to the customer, and then the information extracting unit 1540 stores the card information and disease code information extracted from the insurance approval request text. Provided to the insurance approval unit (1550).

The insurance approval unit 1550 compares and authenticates the card information and the card information stored in the insurance approval information D / B 1565, thereby authenticating whether the customer is a member of the insurance company's private medical insurance. It is characterized by.

According to an embodiment of the present invention, when the card information matching the card information included in the insurance approval request text is stored on the insurance approval information D / B 1565, the customer subscribes to private insurance of the insurance company. As long as the valid customer is approved.

Also, the insurance approval unit 1550 extracts insurance product information linked to the card information from the insurance approval information D / B 1565, and includes disease code information and the disease code information from the insurance approval request. By comparing and authenticating the disease code information included in the insurance product information, the medical service (e.g., the disease treated by the client's medical institution) provided by the client to the medical institution is the medical expenses that the client is required to pay to the medical institution (e.g., 90% of the cost of medical expenses, which is equivalent to 30% of the total medical expenses, is determined by the insurance company.

According to the method of the present invention, when the disease code information included in the insurance product information stored in the insurance approval information D / B (1565) and the disease code information included in the full insurance approval request, the customer is said 90% of medical expenses (eg, 30% of total medical expenses) to be paid to medical institutions are approved to be settled by the insurer.

When the settlement processing for the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request text is approved by the insurance approval unit 1550, the information extracting unit 1540 is the insurance approval request text. Extracting information from the insurer for 90% of the medical expenses (for example, 30% of the total medical expenses) to be paid to the medical institution by the insurance company. The necessary information may include the card information, the private medical insurance settlement amount (or the insurance payment amount), and the medical institution information. Then, the information extracting unit 1540 may extract the card information extracted from the insurance approval request text. And provide the private medical insurance settlement amount (or insurance payment amount) and medical institution information to the settlement processing unit 1560.

According to an exemplary embodiment of the present invention, when the card information includes a virtual account number corresponding to the customer virtual account and financial institution information, the information extracting unit 1540 sends the card information to the settlement processing unit 1560. to provide.

According to another exemplary embodiment of the present invention, when the card information includes a predetermined card number (or customer ID information or customer social security number), the information extracting unit 1540 may include insurance approval information D / B 1565 ( Or a customer virtual account number associated with the card information and a database having financial institution information), and extracts the customer virtual account number and financial institution information associated with the card information to the settlement processor 1560.

The settlement processing unit 1560 is the card information (for example, the customer virtual account number and the information on the financial institution opened the virtual account), the private medical insurance settlement amount (or insurance payment amount) and the medical institution from the information extraction unit 1540 When the information is provided, the private medical insurance settlement amount (or the insurance payment amount) is deposited to the customer virtual account in connection with the financial system corresponding to the financial institution corresponding to the card information through a predetermined communication means. Medical institution information (e.g., medical institution identification information, medical institution account information, etc.) to the financial system so that the medical insurance settlement amount (or insurance payment amount) is finally transferred (or deposited) from the customer virtual account to the medical institution (or medical institution account). ).

According to an exemplary embodiment of the present invention, when the customer virtual account is processed in connection with the financial institution mother account, the settlement processing unit 1560 is connected with the financial system to settle the private medical insurance settlement amount (or insurance payment amount). After withdrawing money from an insurance company account and depositing it into the financial institution mother account, the customer virtual account number and the medical institution information are provided to the financial system, and in response, the financial system settles the private medical insurance account deposited to the financial institution mother account. After transferring an amount (or insurance payment amount) from the financial institution mother account to the customer virtual account, the private medical insurance settlement amount (or insurance payment amount) information and the medical institution information are linked to the customer virtual account.

Thereafter, the private medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the financial institution mother account is finally transferred to the medical institution account corresponding to the medical institution information through the financial system. Deposit) is processed.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in connection with the private health insurance management institution mother account, the settlement processing unit 1560 is linked with the financial system to settle the private medical insurance amount (or insurance money) The amount paid) from the insurance company account and deposited into the mother account of the private health insurance management institution, and then the customer virtual account number and the medical institution information are provided to the financial system. The private medical insurance settlement amount (or insurance payment amount) transferred to the management institution mother account is transferred from the private medical insurance management institution mother account to the customer virtual account, and then the private medical insurance settlement amount (or insurance money) to the client virtual account. The payment amount) information and the medical institution information are processed in association.

Subsequently, the private medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the private medical insurance management institution mother account is finally transferred to the medical institution account corresponding to the medical institution information through the financial system. Transfer (or deposit) is processed.

According to another embodiment of the present invention, when the customer virtual account is processed in connection with the insurance company's mother account, the settlement processing unit 1560 is connected with the financial system to settle the private medical insurance settlement amount (or insurance payment amount) After transferring (or depositing) from the insurance company's mother account to the customer's virtual account, the customer's virtual account number and the medical institution information are provided to the financial system, and in response, the financial system provides the private medical insurance to the customer's virtual account. The settlement amount (or insurance payment amount) information is linked to the medical institution information.

Thereafter, the private medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the insurance company mother account is finally transferred (or deposited) to the medical institution account corresponding to the medical institution information through the financial system. Is processed.

If the settlement approval for the private medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text is approved by the insurance approval unit 1550, the full text generation unit 1545 provides a predetermined insurance approval history. And generate a predetermined insurance approval statement corresponding to the predetermined insurance approval statement, and generate a predetermined insurance approval letter including the generated insurance treatment statement, and then transfer the generated insurance approval statement to the specialized transmission unit 1555. to provide.

Alternatively, if the settlement processing for the private medical insurance settlement amount (or the insurance payment amount) included in the insurance approval request text is not approved by the insurance approval unit 1550, the full text generation unit 1545 may provide a predetermined insurance policy. Generate a predetermined insurance processing history corresponding to the error history, and generate a predetermined insurance approval text including the generated insurance processing history, and then transfer the generated insurance approval text to the specialized transmission unit 1555. To provide.

When the full-text transmission unit 1555 generates an insurance approval text including the insurance processing details by the full-text generation unit 1545, the full-text insurance approval server is the private medical insurance operation server 1500 through the communication means. The private medical insurance management server 1500 relays the insurance approval message to an insurance processing terminal 1570 provided in the medical institution.

Referring to FIG. 35, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the external system of the financial system deposits the private medical insurance settlement amount (or insurance payment amount) to the customer virtual account in connection with the settlement processing unit 1560 provided in the insurance company server 1530, and In addition, the private medical insurance settlement amount (or insurance payment amount) is characterized in that it comprises a medical expenses settlement unit for the final transfer (or deposit) processing from the customer virtual account to the medical institution (or medical institution account).

When the customer virtual account is processed in connection with the financial institution mother account according to an embodiment of the present invention, the medical expenses settlement unit in connection with the settlement processing unit 1560 of the insurance company server 1530 from the insurance company account from the private medical insurance Withdraw the settlement amount (or insurance payment amount) and deposit it into the financial institution mother account, and if the customer virtual account number is provided from the settlement processing unit 1560, the private medical insurance settlement amount deposited into the financial institution mother account (or The insurance payment amount) is transferred (or deposited) to the customer virtual account linked to the financial institution mother account, and / or the medical institution information is provided from the settlement processing unit 1560, the private medical insurance settlement amount (or Insurance payment amount) from the customer's virtual account to the medical institution account corresponding to the medical institution information. It is desirable to make a final transfer (or deposit).

In addition, the medical expenses settlement unit immediately transfers (or deposits) a private medical insurance settlement amount (or a payment amount) transferred to (or deposited) the customer virtual account through a financial institution mother account to a medical institution account corresponding to the medical institution information. Or after maintaining (or depositing) a private medical insurance settlement amount (or payment amount) transferred to at least one customer virtual account for a period of time, and periodically transferring (or depositing) to a medical institution account corresponding to the medical institution information. It is preferable that the present invention is not limited thereby.

According to another embodiment of the present invention, when the customer virtual account is processed in connection with the private health insurance management institution mother account, the medical expenses settlement unit in connection with the settlement processing unit 1560 of the insurance company server 1530 the insurance company account Withdraw the private medical insurance settlement amount (or insurance payment amount) from the deposit to the private medical insurance management institution mother account, if the customer virtual account number is provided from the settlement processing unit 1560, the private medical insurance management institution mother account Transfer (or deposit) the private medical insurance settlement amount (or insurance payment amount) deposited into the customer virtual account linked to the private medical insurance management institution mother account, and / or from the settlement processing unit 1560 If medical institution information is provided, the private medical insurance settlement amount (or insurance payment amount) is transferred to the store customer virtual account. That the withdrawal site to the final transfer (or payment) to the medical institution account corresponding to said medical information being preferred.

In addition, the medical expenses settlement unit immediately transfers (or deposits) the private medical insurance settlement amount (or the amount of the insurance payment) transferred to the customer virtual account through the private medical insurance management institution mother account (or the payment amount) to the medical institution account corresponding to the medical institution information. Deposit) or, after maintaining (or depositing) a private medical insurance settlement amount (or payment amount) that has been transferred (or deposited) into at least one customer virtual account for a period of time, periodically transfers (or Deposit), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in association with the insurance company mother account, the medical expenses settlement unit is provided with the customer virtual account number from the settlement processing unit 1560 of the insurance company server 1530, Transfer (or deposit) the private medical insurance settlement amount (or insurance payment amount) deposited in the insurance company mother account to the customer virtual account linked to the insurance company mother account, and / or from the settlement processing unit 1560 to the medical institution When the information is provided, it is preferable to withdraw the private medical insurance settlement amount (or insurance payment amount) from the merchant customer virtual account and finally transfer (or deposit) the medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement unit immediately transfers (or deposits) the private medical insurance settlement amount (or the payment amount) transferred to the customer virtual account (or the payment amount) to the medical institution account corresponding to the medical institution information through an insurance company mother account, Alternatively, after maintaining (or depositing) a private medical insurance settlement amount (or payment amount) transferred to at least one customer virtual account for a period of time, periodically transferring (or depositing) to a medical institution account corresponding to the medical institution information Preferably, the present invention is not limited thereto.

Referring to FIG. 35, the medical expenses settlement unit pays for the customer to be finally paid to the medical institution in connection with the insurance processing terminal 1570 provided in the medical institution through a predetermined network means (and / or communication means). Characterized in that it further comprises a function for processing the amount by direct debit.

That is, the medical expenses settlement unit receives a predetermined direct debit authorization request message from the insurance processing terminal 1570 provided in the medical institution, and in response to the direct debit authorization request text, a predetermined debit payment amount from the direct debit account of the customer. (E.g., customer's final payment amount to be paid to the medical institution) is further provided with a function of checking the balance of the direct debit account of the customer.

In addition, when a debit payment amount (for example, the customer payment amount to be paid by the customer to the medical institution) can be withdrawn from the customer's direct debit account (for example, the balance of the debit account of the customer is debited). If the amount is more than the amount deposited, the medical expenses settlement unit in response to the full debit authorization request, a predetermined amount of debit payment from the customer's debit account (e.g., the amount of the customer's final payment to the medical institution) And withdrawal) or transfer (or deposit) to the medical institution account.

Subsequently, the medical expenses settlement unit generates a predetermined debit settlement history corresponding to the debit settlement result (for example, a debit authorization, or a debit settlement error history), and includes the debit settlement details. It characterized in that it further comprises a function for generating and transmitting to the insurance processing terminal 1570 provided in the medical institution.

36 is a diagram showing the functional configuration of the insurance processing terminal 1570 according to another embodiment of the present invention.

More specifically, FIG. 36 relates to an embodiment of an insurance processing terminal 1570 for settlement of customer medical expenses through the private medical insurance on the private medical insurance operating system shown in FIG. 35. Those skilled in the art may refer to and / or modify this drawing 36 to infer the configuration of various insurance processing terminals 1570 for settlement of customer medical expenses through private medical insurance. It is to be understood that the technical features of the present invention are not limited by this drawing 36 but include all the inferred implementation methods.

For example, FIG. 36 illustrates that the insurance processing terminal 1570 further includes a function of processing the customer payment amount to be paid by the direct payment to the medical institution as a direct payment, but the present invention belongs to the present invention. If a person of ordinary skill in the art, the amount of the customer payment to be finally paid to the medical institution by the customer through the prepayment and / or credit settlement in the insurance processing terminal 1570 by referring to and / or modified in this figure 36 It will be possible to infer a functional configuration for payment processing, the present invention comprises the implementation method inferred.

Referring to FIG. 36, the insurance processing terminal 1570 basically includes a control unit 3605, a memory unit 3650, a card reader unit 3610, a key input unit 3620, a screen output unit 3615, and a communication processor 3630. ) And a security application module 3635, a print output unit 3640, and a power supply unit 3625 for supplying power to the insurance processing terminal 1570, and at least one terminal function unit according to the intention of those skilled in the art. (Not shown) and the like.

The control unit 3605 controls the overall operation of the insurance processing terminal 1570 according to the function configuration, manages the flow of information or data between each component, and insurance for settlement of customer medical expenses through the private medical insurance. Characterized in that controls the components provided in the processing terminal 1570, and at least one processor and execution memory (e.g., register and / / including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) Or a random access memory (RAM) and a bus for inputting and outputting predetermined data, and from a predetermined recording medium in order to perform a function specific to the insurance processing terminal 1570 by software. Contains predetermined program routines and / or program data loaded into the execution memory and processed by the processor. (As a result, a function provided in a predetermined program and / or the insurance processing terminal 1570 recorded on a recording medium provided in the insurance processing terminal 1570 for the settlement processing of the customer medical expenses through the private medical insurance. In this configuration, the components that can be processed by software are shown in the control unit 3605).

According to an exemplary embodiment of the present invention, the controller 3605 may include components (for example, the memory unit 3650, the card reader unit 3610, the key input unit 3620, and the screen) provided in the insurance processing terminal 1570. The insurance processing terminal by interworking an output unit 3615, a communication processor 3630, a security application module 3635, a print output unit 3640, and / or a terminal function unit (not shown) according to the intention of a person skilled in the art. In addition to controlling and managing providing the private medical insurance settlement processing service defined in 1570, the insurance processing terminal 1570 is provided for the settlement of customer medical expenses through the private medical insurance according to the present invention. It is preferable to execute a program recorded in a recording medium provided in the insurance processing terminal 1570 for controlling the components by interworking with each other and / or for the settlement of customer medical expenses through the private medical insurance.

The memory unit 3650 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the insurance processing terminal 1570 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the predetermined program routine and program data (for example, the program routine is required for the control unit 3605 to perform a predetermined control function) Output data) is stored.

According to an embodiment of the present invention, the memory unit 3650 may include medical institution information (eg, medical institution identification) to be included in a predetermined insurance approval request message (and / or a direct debit authorization request message) generated by the insurance processing terminal 1570. Information or medical institution account information).

The customer who is provided with the settlement processing of the client's medical expenses through the private medical insurance according to the present invention through the insurance processing terminal 1570, MS (Magnetic Stripe) card, and / or ISO / based on the ISO / IEC 7810 standard Have (or own) a contact IC card (or wireless IC chip) based on the IEC 7816 standard, and / or a card comprising at least one contactless IC card (or wireless IC chip) based on the ISO / IEC 14443 standard. The card reader 3610 may provide an interface for reading at least one or more information or data included in the card.

According to an embodiment of the present invention, the card reader unit 3610 may include an MS reader unit providing an interface between the MS card and the insurance processing terminal 1570, and / or the contact IC card and the insurance processing terminal ( 1570) a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the insurance processing terminal 1570.

The MS reader unit is a card reader unit 3610 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the insurance processing terminal 1570 using the loaded.

The contact IC reader unit is a card reader unit 3610 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the insurance processing terminal (1570).

The contactless IC reader part is a card reader part 3610 based on ISO / IEC 14443. The contactless IC reader part makes contactless contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It comprises at least one antenna, the power supply to the IC chip of the IC card through the antenna, and predetermined information or data from the IC chip through the half-duplex transaction using the APDU It is characterized in that the interface to the insurance processing terminal (1570).

According to an exemplary embodiment of the present invention, the card reader unit 3610 may include at least one card reader unit 3610 from the at least one card reader unit 3610 for the private medical insurance settlement processing service defined in the insurance processing terminal 1570. It is preferable to read predetermined card information provided in the card through the card issuing system shown in FIG.

The key input unit 3620 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the insurance processing terminal 1570 controlled by the control unit 3605. When predetermined information (or signal) is input from the key button of the controller, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 3605. The controller 3605 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the insurance processing terminal 1570, and / or is matched with the key event. A to obtain a command to execute a predetermined function of the features. The key input unit 3620 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the insurance processing terminal 1570.

The key input device that is interlocked with the key input unit 3620 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an embodiment of the present invention, the key input unit 3620 corresponds to the private medical insurance settlement processing service from at least one key input device for the private medical insurance settlement processing service defined in the insurance processing terminal 1570. It is preferable to perform a function of a key input means for receiving key data (for example, a payment amount, etc.), and from the key input device for the settlement of customer medical expenses through the private medical insurance according to the present invention. It is preferable to perform the function of the key input means for receiving at least one or more key data required in the process of providing settlement processing of the customer medical expenses through insurance.

The screen output unit 3615 is a liquid crystal display (LCD) by the control unit 3605 while the insurance processing terminal 1570 performs a predetermined function (eg, a private medical insurance settlement processing function using a card). And / or output at least one or more information or data which is predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. The screen output unit 3615 and the screen output device interoperate with each other to perform a function of the screen output means provided in the insurance processing terminal 1570.

Predefined information or data to be output to the screen output device by the insurance processing terminal 1570 is provided in the key data input through the key input unit 3620 and / or in the insurance processing terminal 1570. Corresponding to the information (or data) stored or generated by the component, the information (or data) transmitted / received through the communication processing unit 3630, and / or a predetermined calculation result performed by the insurance processing terminal 1570 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 3615 is the private medical insurance settlement according to each electronic payment step to the screen output device for the private medical insurance settlement processing service defined in the insurance processing terminal 1570 It is preferable to perform the function of the screen output means for outputting the processing screen, and also to the settlement of the customer medical expenses through the private medical insurance according to the present invention of the customer medical expenses through the private medical insurance to the screen output device It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the settlement processing providing step.

The communication processor 3630 is a private medical insurance management server 1500 and a private service through a network means in the process of the insurance processing terminal 1570 performs a predetermined function (for example, a private medical insurance settlement processing function using a card) A communication channel for medical insurance settlement processing and / or a terminal (or device) connected to the insurance processing terminal 1570 and a predetermined cable and / or the predetermined short range wireless communication with the insurance processing terminal 1570. And a predetermined communication means for connecting a communication session with a terminal (or device) connected through communication, and a network for connecting a predetermined communication channel to the private health insurance operation server 1500 through a network means. A communication unit, and / or a cable communication unit for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port, and / or at least one or more It includes a short-range wireless communication unit for connecting a predetermined short-range communication terminal (or device) device and a predetermined communication session through a distance wireless communication means, communication for connecting the communication channel (or communication session) by software Protocol and / or drivers.

The network communication unit may include a predetermined wired network including a high speed internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication) and / or a financial common network and / or a mobile communication network or a wireless data communication network. And connecting a communication channel with the private medical insurance management server 1500 through a network means including at least one wireless network, and hardwarely connecting the insurance processing terminal 1570 to a predetermined wired or wireless network. And a modem or a network interface card (NIC), and includes a communication protocol and / or driver for software to connect the insurance processing terminal 1570 to the wired and wireless network.

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, LAN, RS-232c, USB (Universal Serial Bus)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for private short range wireless communication in software.

Here, the terminal (or device) connected through the cable communication unit and / or the short-range wireless communication unit includes a terminal (or device) used by at least one or more doctors (or nurses) providing predetermined medical services in the medical institution. Through the terminal (or device), the insurance processing terminal 1570 may provide predetermined disease code information and / or private medical insurance settlement amount (or insurance payment amount).

The secure application module (3635) is a confidentiality and / or authentication required by the insurance processing terminal 1570 to perform the private medical insurance settlement process through the card. And / or secure and reliable architecture within the insurance processing terminal 1570 without security requirements, including integrity and / or nonrepudiation, without using a certificate server (not shown) on the network means. As a safety device for performing the operation, the insurance processing terminal 1570 encrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). Important information in the process of adding or decrypting, adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. Characterized in that that perform the function of storage.

In general, the security application module 3635 preferably includes a predetermined security application module 3635 inserter and a security application module 3635 chip, and the security application module 3635 chip includes at least 8-bit CPU. Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 3635 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, and code values required for the insurance processing terminal 1570 to perform a predetermined security request function). And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 3640 may include a process of performing the predetermined function (for example, a private medical insurance settlement processing function using a card) and / or predetermined information or data generated as a result (for example, the insurance processing terminal 1570). , The result of the private medical insurance settlement process) is output to a predetermined printing device (for example, a receipt printing machine), and for printing the printing information or data in accordance with a predefined printing form through the predetermined printing device. Including printing protocols and drivers.

Referring to FIG. 36, the insurance processing terminal 1570 acquires at least one or more information to be included in the full insurance approval request for the settlement of customer medical expenses through private medical insurance according to the present invention. ), A full text generation unit 1545 (3660) for generating a predetermined insurance approval request text including at least one or more information obtained through the information acquisition unit (3655), and the full text generation unit (1545) (3660) The full insurance approval request generated through the transfer from the professional transmission unit (1515) (3665) and the private medical insurance management server 1500 to transmit to the private medical insurance management server 1500 through the communication processing unit 3630 A specialized receiver 1505 (3670) for receiving the insurance approval message corresponding to the insurance approval request text and the insurance processing details included in the insurance approval text are read and output through the screen output part 3615; And / or award Characterized in that it comprises a specialized processing unit (3675) for printing output through the print output unit (3640).

The information acquisition unit 3565 reads and acquires predetermined card information from a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 3610. It features.

In addition, the information acquisition unit 3555 inputs the private medical insurance settlement amount (or the payment amount) to be settled through the private medical insurance among the amounts that the customer should pay the key input unit 3610 to the medical institution. The private medical insurance settlement amount (or insurance payment amount) from a terminal (or device) received and / or used by a doctor (or nurse) of the medical institution through a cable communication unit and / or a near field communication unit of the communication processing unit 3630. Characterized in that it receives and obtains.

In addition, the information acquisition unit (3655) extracts and obtains the medical institution information that provides the medical service to the customer (or the private medical insurance settlement amount (or payment amount) will be deposited) from the memory unit do.

In addition, the information acquisition unit 3565 may receive predetermined disease code information from the key input unit 3610, and / or a doctor of the medical institution through a cable communication unit and / or a short range wireless communication unit of the communication processing unit 3630. (Or a nurse) is characterized in that to receive and obtain the predetermined disease code information from the terminal (or device) used.

In addition, the information acquisition unit 3565 reads predetermined debit payment information from a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 3610. It is characterized by obtaining.

In addition, the information acquisition unit 3565 may receive a predetermined debit payment amount (eg, a customer payment amount to be paid by the customer to the medical institution) from the key input unit 3610, and / or an information acquisition unit ( 3655), if a predetermined private medical insurance settlement amount (or insurance payment amount) is obtained, the debit payment amount (e.g., the customer makes a final payment to the medical institution) from the private medical insurance settlement amount (or insurance payment amount). To calculate the customer payment amount to be obtained).

The full text generation unit 1545 and 3660 may include at least one of the card information, the private medical insurance settlement amount (or the insurance payment amount), the medical institution information, and the disease code information obtained through the information acquisition unit 3565. The insurance approval request text is generated. A preferred embodiment of the insurance approval request text will be described in detail with reference to FIG.

When the insurance approval request full text is generated through the full text generation unit 1545 (3660), the full text transmission unit 1515 and 3657 may transmit the insurance approval request full text through the network communication unit of the communication processing unit 3630. Characterized in that the transmission to the private medical insurance management server 1500, after which the professional receiving unit 1505, 3670 is the insurance from the private medical insurance management server 1500 through the network communication unit of the communication processing unit 3630 The insurance approval statement, including the insurance treatment details corresponding to the entire request for approval, is waiting to be received.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the private medical insurance management server 1500 through the network communication unit of the communication processing unit 3630, the specialized receiving unit 1505 ( 3670 provides the received insurance approval text to the specialized processor 3375.

The expert processing unit 3757 extracts an insurance processing history including any one of insurance approval details or insurance error details from the insurance approval full text, and outputs the insurance processing details through the screen output unit 3615, or And / or print output through the print output unit 3640.

In addition, when the insurance approval text includes insurance treatment details corresponding to the insurance approval details, the specialized processor 3375 may receive information through the information generator 3545 through the specialized generators 1545 and 3660. Generate a predetermined direct debit authorization request text including the obtained debit payment information and the debit payment amount.

Subsequently, the specialized transmission unit 1515 and 3665 transfer the generated direct debit authorization request message through the network means (and / or communication means) to the debit payment information through the network communication unit of the communication processing unit 3630. Transfer to a corresponding financial system (e.g., a financial system with a direct debit account opened), and then the specialized receiver 1505, 3670 sends the direct debit from the financial system through a network communication unit of the communication processor 3630; The debit authorization, which includes debit payment details corresponding to the preamble authorization request, will be queued.

If the debit authorization is received from the financial system through the network communication unit of the communication processor 3630 including the debit payment details corresponding to the debit authorization request message, the specialized receiver 1505 (3670) is The received direct debit authorization is provided to the expert processing unit 3757.

The professional processing unit 3757 extracts a direct debit processing history including any of direct debit approval details or debit payment error details from the direct debit authorization, and displays the debit payment details on the screen output unit 3615. It is characterized in that the output through the screen, and / or through the print output unit 3640 to print out.

37 is a diagram illustrating the insurance approval request full text structure according to another embodiment of the present invention.

More specifically, FIG. 37 illustrates an implementation method for an insurance approval request specialized structure transmitted from a predetermined insurance processing terminal 1570 shown in FIG. 36 to a private medical insurance operation server 1500 through a predetermined network means. As an example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 37 to infer various implementation methods for the insurance approval request structure according to the intention to those skilled in the art. However, the present invention encompasses all the inferred implementation methods, and the insurance approval request structure is not limited to that illustrated in FIG.

Referring to FIG. 37, the insurance approval request full text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The insurance approval request text includes a transaction classification item (eg, private medical insurance settlement request, cancellation of private medical insurance settlement, etc.) related to the private medical insurance settlement process, and a terminal_ID corresponding to the insurance processing terminal 1570 provided in the medical institution. An item, an information input mode item, and card information (eg, financial institution information, insurance company information, virtual account information, etc.) obtained from a predetermined card through a card reader provided in the insurance processing terminal 1570. After the prescribed FS (File Separator, 0X1C), the private medical insurance settlement amount (or insurance payment amount) item, the customer payment amount to be finally paid to the medical institution, the working key index item, the password Items, disease code information items, and document serial number items.

Here, the Terminal_ID item is an information item corresponding to the medical institution information, and the private medical insurance management server 1500 and / or the insurance company server 1530 are provided with the medical treatment terminal 1570 through the Terminal_ID item. Check and check the medical institution account corresponding to the medical institution.

According to another exemplary embodiment of the present invention, the insurance approval request message may further include at least one medical institution information item (eg, medical institution name, medical institution account number, etc.) that can intuitively recognize the medical institution in addition to the Terminal_ID item. The present invention is not limited thereby.

In addition, the information input mode item is information for confirming whether information included in the insurance approval request text is received from a doctor (or nurse) terminal provided in the medical institution, or input through a predetermined key input.

The card information item is card information read from a card issued to the customer through the card issuing system shown in FIG. 1 and includes virtual account information, financial institution information, and insurance company information. If predetermined card information is read from the card issued to the customer through the card issuing system shown in FIG. 8, the card information may include a predetermined card number, thereby limiting the present invention. No.

The private medical insurance settlement amount (or insurance payment amount) item includes an amount to be settled through the private medical insurance of the total medical expenses that the customer is required to pay to the medical institution, and the customer payment amount The item includes the amount of customer payment amount to be paid by the customer to the medical institution after the private medical insurance settlement process.

The disease code information item may include at least one disease code information corresponding to an object of providing medical services to the customer at the medical institution, and the disease code information is an insurance company that finally receives the full insurance approval request. It is preferable to include the code information that can be confirmed by.

In addition, the document serial number item is information for managing the full insurance approval request, and includes a unique number assigned so as not to be duplicated in the insurance processing terminal (1570).

Those skilled in the art to which the present invention pertains, the insurance processing terminal 1570, the direct payment processing, and / or prepayment processing, and / or credit payment processing of the amount corresponding to the customer payment amount Since it will be familiar with the full payment approval request for each, detailed description thereof will be omitted for convenience.

38 is a diagram illustrating a process of requesting a private medical insurance settlement process according to an embodiment of the present invention.

In more detail, FIG. 38 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 1 after a predetermined customer is provided with medical services at a predetermined medical institution. In the case of the medical expenses corresponding to the medical service, the customer contribution (eg, all medical expenses) in addition to the medical expenses (eg, 70% of the total medical expenses) settled by the National Health Insurance Corporation to the medical institution in response to the medical insurance card. 30% of the cost (for example, 90% of the customer's contribution) is requested to be settled as private medical insurance through the private medical insurance operating system shown in Figure 35, and the customer after the private medical insurance settlement process Direct payment of customer payments (e.g., the remaining 10% of the customer charges) to be paid to the medical institution. As regards the process, one of ordinary skill in the art will be able to infer various implementation methods for requesting the private medical insurance settlement process by referring to and / or modifying this drawing 38. The invention encompasses all of the inferred practice methods and is not limited by the practice method shown in FIG.

For example, a person skilled in the art to which the present invention pertains may implement a method of payment of the customer payment amount through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 24. It may be inferred, but the present invention comprises all of the inferred implementation method.

In the drawing 38, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

In order for the customer to receive the private medical insurance service according to the present invention, he / she carries a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. 1 and visits a predetermined medical institution. The medical insurance card and the card are presented before (or after receiving) at least one medical service.

Thereby, the medical institution performs the procedure for requesting settlement of the National Medical Insurance Corporation contribution (eg, 70% of the total medical expenses) of the total medical expenses of the customer to the National Medical Insurance Corporation, In addition, some of the customer contributions (eg, 30% of the total medical expenses) (eg, 90% of the customer contributions) are provided in the terminal shown in FIG. 36 to settle through the private medical insurance subscribed to by the customer. By reading the card issued to the customer through the card issuing system shown in FIG. 1 through a card reader (3800), predetermined card information is obtained from the card.

Thereafter, the terminal inputs the private medical insurance settlement amount (or insurance payment amount) and / or disease code information through a predetermined key input means, and / or the disease code information from a predetermined doctor (or nurse) terminal. And / or receive the private medical insurance settlement amount (or insurance payment amount) information (3805), extract the medical institution information from a memory and generate a predetermined journal serial number (3810), and then the card information, private medical care. Generate the insurance approval request text as shown in FIG. 37 (3815) including insurance settlement amount (or insurance payment amount), disease code information, medical institution information, and document serial number (3815), and generate the entire insurance approval request text in a predetermined network. It transmits to the private medical insurance management server 1500 through the means (3820).

The private medical insurance management server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message and stores the insurance operation information D / B 1525 through the card information. By inquiring, the insurance company server 1530 which relays the full insurance approval request message is checked (3825).

If the insurance company server 1530 which relays the insurance approval request message is not confirmed (3830), the private medical insurance operation server 1500 generates an insurance approval message including unconfirmed error information of a predetermined insurance company server 1530. In operation 3835, the insurance approval message is transmitted to the terminal through the network means (3840), and the private medical insurance settlement process is stopped.

On the other hand, when the insurance company server 1530 which relays the insurance approval request text is confirmed (3830), the private medical insurance operation server 1500 to the insurance company server 1530 through the predetermined communication means to the insurance approval request Relay the full text (3845).

39 is a diagram illustrating a process of approving a private medical insurance settlement process according to an embodiment of the present invention.

In more detail, in FIG. 39, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 38 is transferred to the insurance company server 1530 through the predetermined private medical insurance operation server 1500. When received, the insurance company server (1530) for the process of the approval process for the full insurance approval request, if the person of ordinary skill in the art to which the present invention belongs, with reference to and / or modified this figure 39 Various implementation methods for approving the private medical insurance settlement process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 39, the insurance company server 1530 executes a predetermined private medical insurance approval procedure, and connects to a predetermined financial system for the settled amount of the private medical insurance (or the amount paid). After performing the settlement procedure, the insurance approval message corresponding to the insurance approval request message is generated and described as being transmitted to the private medical insurance operation server 1500. However, the present invention is not limited thereto. After the insurance company server 1530 performs the private medical insurance approval procedure, a predetermined insurance approval message is generated and transmitted to the private medical insurance operation server 1500, and the private medical insurance settlement amount is linked with the financial system. It is also possible to carry out the settlement procedure for the amount of insurance benefits.

Referring to FIG. 39, the entire insurance approval request generated by a predetermined insurance processing terminal 1570 through the process shown in FIG. 38 is received by the insurance company server 1530 through the predetermined private medical insurance operating server 1500. If 3900, the insurance company server 1530 extracts the card information and the disease code information from the received insurance approval request text for approval of the private medical insurance settlement (3905), and extracted from the insurance approval request text. By inquiring the insurance approval information D / B 1565 through card information, it is checked whether the customer who has received the card with the card information read is a customer of the insurance company's private medical insurance (3910).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered to be a member of the insurance company's private medical insurance.

If the card information check result is that the customer who has issued the card with the card information read is not a private medical insurance member of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (3915), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (3920), the insurance including the insurance treatment details The full text of the approval is generated and transmitted to the private medical insurance management server 1500 (3955).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is the customer of the insurance company's private medical insurance (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (3915), the insurance company server 1530 and the card information in the insurance approval information D / B (1565) through the disease code information extracted from the full insurance approval request; By querying the disease code information included in the linked insurance product information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is subject to the private medical insurance (3925).

If the disease corresponding to the medical service provided by the client is not covered by the private medical insurance (3930), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (3930); 3920), an insurance approval message including the insurance treatment details is generated and transmitted to the private medical insurance operation server 1500 (3955).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the private medical insurance (3930), the insurance company server 1530 may settle the card information and the private medical insurance from the received insurance approval request message. Extracting information for settlement processing of the private medical insurance including an amount (or insurance payment amount) and medical institution information (3935), and linking the card information with a financial system corresponding to the financial institution information included in the card information. In operation 3940, the virtual account number, the private medical insurance settlement amount (or insurance payment amount), and the medical institution information are included in the settlement of the private medical insurance settlement amount (or insurance payment amount).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. The amount of the private medical insurance settlement (or the amount paid) is withdrawn from the insurer's account and deposited into the mother account of the financial institution, and then the customer virtual account number and the medical institution information are provided to the financial system. The system transfers the private medical insurance settlement amount (or insurance payment amount) deposited into the financial institution mother account from the financial institution mother account to the customer virtual account, and then the private medical insurance settlement amount (or insurance money) to the customer virtual account. The payment amount) information and the medical institution information are processed in association.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in connection with the private medical insurance management institution mother account, the insurance company server 1530 is the financial system The private medical insurance settlement amount (or insurance payment amount) is withdrawn from the insurance company account and deposited into the mother account of the private medical insurance management institution in connection with the client, and the customer virtual account number and the medical institution information are provided to the financial system. In response, the financial system transfers the private medical insurance settlement amount (or the insurance payment amount) deposited to the private medical insurance management institution mother account from the private medical insurance management institution mother account to the customer virtual account, and then the customer. Information on the settlement amount of the private medical insurance (or the amount of the insurance payment) Cooperative processing of the medical institution information.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. The private medical insurance settlement amount (or insurance payment amount) is transferred (or deposited) from the insurance company's mother account to the customer virtual account, and then the customer virtual account number and the medical institution information are provided to the financial system. The financial system links and processes the private medical insurance settlement amount (or insurance payment amount) information and the medical institution information in the customer virtual account.

If settlement of the private medical insurance settlement amount (or insurance payment amount) is completed (3945), the insurance company server 1530 is settled of the private medical insurance settlement amount (or insurance payment amount) in connection with the financial system. An insurance processing history including insurance approval details corresponding to the processing result is generated (3950), and an insurance approval text including the insurance processing details is generated and transmitted to the private medical insurance operation server 1500 (3955).

40 is a diagram showing a customer payment amount debit payment process of the insurance processing terminal 1570 according to an embodiment of the present invention.

More specifically, FIG. 40 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 39, and generates an insurance approval text including a predetermined insurance treatment history. When transmitting to the private medical insurance management server 1500, the private medical insurance operating server 1500 relays the insurance approval message to the insurance processing terminal 1570, and the relay server in the diagram 38 in the customer This is a process for debiting a customer payment amount to be paid to the medical institution by using the direct debit information read from the card, if the person of ordinary skill in the art to which the present invention belongs, By referring to and / or modifying the present invention, various implementation methods of debiting the customer payment amount may be inferred. Include all of the inference method that is carried out, and is not limited by the exemplary method shown in the figure 40.

For example, a person skilled in the art to which the present invention pertains may implement a method of processing the payment of the customer payment through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 35. It may be inferred, but the present invention comprises all of the inferred implementation method.

In the drawing 40, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Referring to FIG. 40, through the process shown in FIG. 39, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When transmitting to the private medical insurance management server 1500, the private medical insurance management server 1500 is received by the insurance approval message transmitted from the insurance company server 1530 (4000), the received insurance approval message It is relayed and transmitted to the terminal provided in the medical institution through the network means (4005), and in response to the terminal receives the insurance approval message from the private health insurance management server 1500 (4010), the received The insurance company may read the insurance processing history included in the insurance approval text and check whether the private medical insurance settlement process is approved in the insurance company server 1530 (4015).

If the private medical insurance settlement process is not approved in the insurance company server 1530 (for example, if the insurance process details include insurance error details) (4020), the terminal provides the insurance error details to the terminal. The screen is output to a predetermined screen, and / or is printed out to a predetermined printing apparatus provided in the terminal (4025).

On the other hand, if the private medical insurance settlement process is approved in the insurance company server 1530 (for example, if the insurance processing details include insurance approval details) (4020), the terminal debit information read from the customer card (for example Generate a direct debit authorization request message including information on the financial institution in which the direct debit account and the direct debit account are opened), the debit payment amount (for example, the amount paid by the customer), and the medical institution information and the predetermined document serial number (4030). In operation 4035, the generated direct debit authorization request message is transmitted to the financial system corresponding to the debit payment information (for example, a financial system provided in a financial institution in which a direct debit account is opened) through the network means.

41 is a diagram showing a customer payment amount debit payment process of the financial system according to an embodiment of the present invention.

More specifically, FIG. 41 is a full text of a predetermined debit authorization request for the direct debit processing for the customer payment amount to be paid by the customer from the insurance processing terminal 1570 to the medical institution through the process shown in FIG. 40. Is transmitted, the process of receiving the direct debit authorization request in the predetermined financial system to process the direct debit, if the person of ordinary skill in the art to which the present invention belongs, see and / or 41 It will be possible to infer various implementation methods of debiting the customer payment amount by modification, but the present invention includes all the implementation methods inferred, and is not limited by the implementation method shown in FIG.

For example, a person skilled in the art to which the present invention pertains may implement a method of processing the payment of the customer payment through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 35. It may be inferred, but the present invention comprises all of the inferred implementation method.

In the drawing 41, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Referring to FIG. 41, a predetermined debit authorization request specialist for the debit payment processing for the customer payment amount to be paid by the customer to the medical institution from the insurance processing terminal 1570 through the process shown in FIG. When transmitted, the financial system receives the direct debit authorization request text through the network means (4100), and the debit payment information (e.g., a debit account and a direct debit account opened) from the debit authorization request text. Institution information), the debit amount and the medical institution information is extracted (4105), and through the debit information and the debit amount to check the validity of the debit payment for the debit amount (4110).

According to the implementation method of the present invention, the debit validity check includes a process of confirming that an amount for processing the debit payment amount is deposited in the debit account included in the debit information in the financial system. It is preferable to make.

If the validity of the debit payment is not authenticated (e.g., if the debit account does not have a deposit amount for processing the debit amount) (4115), the financial system includes a predetermined debit error history. Generate a direct debit processing history (4120), generate a direct debit authorization including the debit payment history (4140), and relay the debit authorization to the terminal provided in the medical institution through the network means; Transmit (4145).

On the other hand, if the validity of the debit payment is authenticated (e.g., if the debit account has a deposit amount that can settle the debit amount) (4115), the financial system performs a debit payment procedure for the debit amount. Perform (4125).

According to the implementation method of the present invention, the debit payment procedure is to withdraw the debit payment amount from the debit account of the customer in the financial system to include in the medical institution account (for example, the insurance approval full text (or insurance approval request full text)) It is preferable to include a procedure for depositing the money into or from the DBMS in the financial system.

If the debit payment process is completed (4130), the financial system generates a debit processing history including the debit authorization details corresponding to the debit payment result (4135), the debit including the debit processing history A payment approval message is generated (4140), and the direct debit approval message is relayed and transmitted to the terminal provided in the medical institution through the network means (4145).

42 is a diagram illustrating a process of processing a private medical insurance settlement result according to an embodiment of the present invention.

In more detail, FIG. 42 is a full text of the insurance approval request received from the private medical insurance operation server 1500 including the insurance processing details, and the debit payment approval text including the direct debit processing details is received from the financial system. Regarding a process of reading and processing the insurance approval full text and / or direct debit approval full text by the insurance processing terminal 1570, those skilled in the art to which the present invention pertains, refer to FIG. It is possible to infer various implementation methods for processing the private medical insurance settlement result by modifying, but the present invention includes all the implementation methods inferred, and is not limited by the implementation method shown in FIG.

In the drawing 42, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Referring to FIG. 42, when a direct debit authorization message including a debit payment history is received from the financial system through the process illustrated in FIG. 41 (4200), the terminal receives and reads the debit authorization message. By extracting a predetermined debit processing history from the full debit authorization (4205), and reading the extracted debit processing history, the debit authorization or debit payment history for the debit amount is confirmed (4210). ).

If it is confirmed that the debit payment error history for the customer payment amount is confirmed (for example, the debit payment for the customer payment amount is not approved) (4215), the terminal displays the insurance approval statement and the debit payment error detail. The screen is output to a predetermined screen provided in the terminal and / or printed out to a predetermined printing apparatus provided in the terminal (4220).

On the other hand, if the debit payment approval details of the customer payment amount is confirmed (for example, if the direct debit payment for the customer payment amount is approved) (4215), the terminal displays the insurance approval details and the debit payment approval details. The screen is output to a predetermined screen provided in the terminal and / or printed out to a predetermined printing apparatus provided in the terminal (4225).

43 is a diagram illustrating a process of requesting a private medical insurance settlement process according to another embodiment of the present invention.

More specifically, FIG. 43 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 8 after a predetermined customer is provided with a medical service at a predetermined medical institution. In the case of the total medical expenses corresponding to the medical service, in addition to the medical expenses set by the National Health Insurance Corporation to the medical institution in response to the medical insurance card (for example, 70% of the total medical expenses), 30% of the medical expenses) (for example, 90% of the customer contribution) is requested to be settled to private medical insurance through the private medical insurance operating system shown in FIG. 35, and after the private medical insurance settlement processing Allow direct debiting of customer payments (e.g., the remaining 10% of the customer charges) that the customer is required to pay to the medical institution. As regards the process, one of ordinary skill in the art may infer various implementation methods for requesting the private medical insurance settlement process by referring to and / or modifying the drawing 43. The invention encompasses all of the inferred practice methods and is not limited by the practice method shown in FIG.

For example, a person skilled in the art to which the present invention pertains may implement a method of payment of the customer payment amount through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 24. It may be inferred, but the present invention comprises all of the inferred implementation method.

In the drawing 43, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

In order to receive the private medical insurance service according to the present invention, the customer has a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. Present the medical insurance card and the card before (or after) receiving at least one medical service.

Thereby, the medical institution performs the procedure for requesting settlement of the National Medical Insurance Corporation contribution (eg, 70% of the total medical expenses) of the total medical expenses of the customer to the National Medical Insurance Corporation, In addition, some of the customer contributions (eg, 30% of the total medical expenses) (eg, 90% of the customer contributions) are provided in the terminal shown in FIG. 36 to settle through the private medical insurance subscribed to by the customer. By reading the card issued to the customer through the card issuing system shown in FIG. 8 through the card reader (4300), predetermined card information is obtained from the card.

Thereafter, the terminal inputs the private medical insurance settlement amount (or insurance payment amount) and / or disease code information through a predetermined key input means, and / or the disease code information from a predetermined doctor (or nurse) terminal. And / or receive private medical insurance settlement amount (or insurance payment amount) information (4305), extract the medical institution information from a memory and generate a predetermined document serial number (4310), and then the card information and private medical service. Generate a full insurance approval request as shown in FIG. 37 (4315), including insurance settlement amount (or insurance payment amount), disease code information, medical institution information, and document serial number (4315), and the generated insurance approval request It transmits to the private medical insurance management server 1500 through the means (4320).

The private medical insurance management server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message and stores the insurance operation information D / B 1525 through the card information. By inquiring, the insurance company server 1530 which relays the full insurance approval request message is checked (4325).

If the insurance company server 1530 which relays the insurance approval request message is not confirmed (4330), the private medical insurance operation server 1500 generates an insurance approval message including unconfirmed error information of the predetermined insurance company server 1530. And transmits the insurance approval message to the terminal through the network means (4340), and stops the private medical insurance settlement process.

On the other hand, when the insurance company server 1530 to relay the insurance approval request full text is confirmed (4330), the private medical insurance management server 1500 to the insurance company server 1530 confirmed through the predetermined communication means the insurance approval request Relay the full text (4345).

44 is a diagram illustrating a process of approving the private medical insurance settlement process according to another embodiment of the present invention.

In more detail, FIG. 44 shows that the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 43 is transferred to the insurance company server 1530 through the predetermined private medical insurance operation server 1500. When received, the insurance company server (1530) for the process of the approval process for the full insurance approval request, if the person of ordinary skill in the art to which the present invention belongs, with reference to and / or modified to this drawing 44 Various implementation methods for approving the private medical insurance settlement process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 44, the insurance company server 1530 performs a predetermined private medical insurance approval procedure, and connects to a predetermined financial system to settle the private medical insurance settlement amount (or the payment amount). After performing the settlement procedure, the insurance approval message corresponding to the insurance approval request message is generated and described as being transmitted to the private medical insurance operation server 1500. However, the present invention is not limited thereto. After the insurance company server 1530 performs the private medical insurance approval procedure, a predetermined insurance approval message is generated and transmitted to the private medical insurance operation server 1500, and the private medical insurance settlement amount is linked with the financial system. It is also possible to carry out the settlement procedure for the amount of insurance benefits.

Referring to FIG. 44, the entire insurance approval request generated by the predetermined insurance processing terminal 1570 through the process shown in FIG. 43 is received by the insurance company server 1530 through the predetermined private medical insurance operation server 1500. In operation 4400, the insurance company server 1530 extracts the card information and the disease code information from the received insurance approval request text for approval of the private medical insurance settlement (4405), and extracts the insurance approval request text. By inquiring the insurance approval information D / B 1565 through card information, it is checked whether the customer who has received the card with the card information read is a customer of the insurance company's private medical insurance (4410).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered to be a member of the insurance company's private medical insurance.

If the card information check result is that the customer who has issued the card with the card information read is not a private medical insurance member of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (4415), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (4420), the insurance including the insurance treatment details The approval message is generated and transmitted to the private medical insurance operation server 1500 (4460).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is the customer of the insurance company's private medical insurance (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (4415), the insurance company server 1530 and the card information in the insurance approval information D / B (1565) through the disease code information extracted from the full insurance approval request; By querying the disease code information included in the linked insurance product information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is covered by the private medical insurance (4425).

If the disease corresponding to the medical service provided by the client is not covered by the private medical insurance (4430), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (4430); In operation 4420, an insurance approval text including the insurance treatment details is generated and transmitted to the private medical insurance operation server 1500 (4460).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the private medical insurance (4430), the insurance company server 1530 may settle the card information and the private medical insurance from the received insurance approval request message. Information for settlement processing of the private medical insurance including the amount (or insurance payment amount) and the medical institution information is extracted (4435).

Here, the card information is a card number (or customer ID information, or customer social security number) provided on the card issued through the card issuing system shown in FIG. 8, and the insurance approval information D / B 1565 includes the card. Predetermined virtual account information (e.g., a customer virtual account number and information on a financial institution in which the virtual account is opened, shown in FIG. 35 for convenience) is stored.

Accordingly, the insurance company server 1530 extracts the virtual account information (for example, the customer virtual account number and the financial institution information on which the virtual account is opened) matching the card information from the insurance approval information D / B 1565. 4440, through the virtual account number included in the virtual account information, the private medical insurance settlement amount (or the insurance payment amount), and the medical institution information in association with the financial system corresponding to the financial institution information included in the virtual account information; The settlement processing procedure for the private medical insurance settlement amount (or insurance payment amount) is performed (4445).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. The amount of the private medical insurance settlement (or the amount paid) is withdrawn from the insurer's account and deposited into the mother account of the financial institution, and then the customer virtual account number and the medical institution information are provided to the financial system. The system transfers the private medical insurance settlement amount (or insurance payment amount) deposited into the financial institution mother account from the financial institution mother account to the customer virtual account, and then the private medical insurance settlement amount (or insurance money) to the customer virtual account. The amount of payment) and the medical institution information.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in connection with the private medical insurance management institution mother account, the insurance company server 1530 is the financial system The private medical insurance settlement amount (or insurance payment amount) is withdrawn from the insurance company account and deposited into the mother account of the private medical insurance management institution in connection with the client, and the customer virtual account number and the medical institution information are provided to the financial system. In response, the financial system transfers the private medical insurance settlement amount (or the insurance payment amount) deposited to the private medical insurance management institution mother account from the private medical insurance management institution mother account to the customer virtual account, and then the customer. Information on the settlement amount of the private medical insurance (or the amount of the insurance payment) Cooperative processing of the medical institution information.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. The private medical insurance settlement amount (or insurance payment amount) is transferred (or deposited) from the insurance company's mother account to the customer virtual account, and then the customer virtual account number and the medical institution information are provided to the financial system. The financial system links and processes the private medical insurance settlement amount (or insurance payment amount) information and the medical institution information in the customer virtual account.

If settlement of the private medical insurance settlement amount (or insurance payment amount) is completed (4450), the insurance company server 1530 is settled of the private medical insurance settlement amount (or insurance payment amount) in connection with the financial system. An insurance processing history including insurance approval details corresponding to the processing result is generated (4455), and an insurance approval text including the insurance processing details is generated and transmitted to the private medical insurance operation server 1500 (4460).

45 is a diagram showing a customer payment amount debit payment process of the insurance processing terminal 1570 according to another embodiment of the present invention.

More specifically, FIG. 45 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 44, and generates an insurance approval text including predetermined insurance treatment details. When transmitting to the private medical insurance management server 1500, the private medical insurance operating server 1500 relays the insurance approval message to the insurance processing terminal (1570), and the relay server in the figure 43 in the customer A process for debiting a customer payment amount to be paid to the medical institution by the customer using the direct debit information read from the card. If the person of ordinary skill in the art to which the present invention belongs, this figure 45 By referring to and / or modifying the present invention, various implementation methods for debiting the customer payment amount may be inferred. Include all of the inference method that is carried out, and is not limited by the exemplary method shown in the figure 45.

For example, a person skilled in the art to which the present invention pertains may implement a method of processing the payment of the customer payment through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 35. It may be inferred, but the present invention comprises all of the inferred implementation method.

In the drawing 45, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Referring to FIG. 45, through the process shown in FIG. 44, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When transmitting to the private medical insurance management server 1500, the private medical insurance management server 1500 is received by the insurance approval message transmitted from the insurance company server (1530) (4500), the received insurance approval professional The transmission is relayed to the terminal provided in the medical institution through the network means (4505), in response to the terminal receives the insurance approval message from the private health insurance management server 1500 (4510), the received The insurance processing history included in the insurance approval text is read to check whether the private medical insurance settlement process is approved at the insurance company server 1530 (4515).

If the private medical insurance settlement process is not approved in the insurance company server 1530 (eg, if the insurance process details include insurance error details) (4520), the terminal provides the insurance error history to the terminal. The screen is output to a predetermined screen and / or is printed out to a predetermined printing apparatus provided in the terminal (4525).

On the other hand, if the private medical insurance settlement process is approved in the insurance company server 1530 (eg, if the insurance process includes insurance approval details) (4520), the terminal debit information read from the customer card (for example Generate a direct debit authorization request message (4530) including the debit account and the financial institution with which the debit account was opened), the debit payment amount (for example, the customer payment amount), and the medical institution information and the predetermined document serial number (4530). The generated direct debit authorization request message is transmitted to the financial system corresponding to the debit payment information (for example, a financial system provided in a financial institution in which a direct debit account is opened) through the network means (4535).

46 is a diagram showing a customer payment amount debit payment process of the financial system according to another embodiment of the present invention.

In more detail, the drawing 46 is a preamble for requesting a direct debit authorization for the direct debit processing for the customer payment amount that the customer should pay to the medical institution from the insurance processing terminal 1570 through the process shown in the drawing 45. Is transmitted, the process of receiving the direct debit authorization request in the predetermined financial system to process the direct debit, if the person of ordinary skill in the art to which the present invention pertains, please refer to this drawing 46 and / or It will be possible to infer various implementation methods to debit the customer payment amount by debiting, but the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, a person skilled in the art to which the present invention pertains may implement a method of processing the payment of the customer payment through prepayment and / or credit payment in addition to the direct debit by referring to and / or modifying the drawing 35. It may be inferred, but the present invention comprises all of the inferred implementation method.

In the drawing 46, the insurance processing terminal 1570 shown in Figs. 35 and / or 36 is referred to as " terminal " for convenience.

Referring to FIG. 46, a predetermined debit authorization request specialist for the debit payment processing for the customer payment amount to be paid by the customer to the medical institution from the insurance processing terminal 1570 through the process shown in FIG. When transmitted, the financial system receives the direct debit authorization request text through the network means (4600), and the debit payment information (e.g., a debit account and a direct debit account opened) from the debit authorization request text. Institution information), the debit amount and the medical institution information is extracted (4605), and through the debit information and the debit amount to check the validity of the debit payment for the debit amount (4610).

According to the implementation method of the present invention, the debit validity check includes a process of confirming that an amount for processing the debit payment amount is deposited in the debit account included in the debit information in the financial system. It is preferable to make.

If the validity of the debit payment is not authenticated (e.g., if the debit account does not have a deposit amount that can settle the debit amount) (4615), the financial system includes a predetermined debit error history. Generate a direct debit processing history (4620), generate a direct debit authorization including the debit payment history (4640), and relay the debit authorization to the terminal provided in the medical institution through the network means; Transmit (4645).

On the other hand, if the validity of the debit payment is authenticated (e.g., if the debit account has a deposit amount that can settle the debit amount) (4615), the financial system may proceed with the debit payment procedure for the debit amount. Perform (4625).

According to the implementation method of the present invention, the debit payment procedure is to withdraw the debit payment amount from the debit account of the customer in the financial system to include in the medical institution account (for example, the insurance approval full text (or insurance approval request full text)) It is preferable to include a procedure for depositing the money into or from the DBMS in the financial system.

If the debit payment process is completed (4630), the financial system generates a debit processing history including the debit authorization details corresponding to the debit payment results (4635), the debit including the debit processing history A payment approval message is generated (4640), and the direct debit approval message is relayed and transmitted to the terminal provided in the medical institution through the network means (4645).

47 is a diagram illustrating a process of processing a private medical insurance settlement result according to another embodiment of the present invention.

In more detail, Figure 47 shows that the entire insurance approval request message including the insurance treatment details are received from the private medical insurance management server 1500, and if the debit payment authorization message including the debit payment details is received from the financial system, Regarding a process of reading and processing the insurance approval full text and / or direct debit approval full text by the insurance processing terminal 1570, those skilled in the art to which the present invention pertains refer to FIG. It may be inferred that various implementation methods for processing the private medical insurance settlement results by modification, but the present invention includes all the implementation methods inferred, and are not limited by the implementation method shown in FIG.

In the following Figure 47, the insurance processing terminal 1570 shown in Figures 35 and / or 36 is referred to as "terminal" for convenience.

Referring to FIG. 47, when a direct debit authorization message including a direct debit processing history is received from the financial system through the process illustrated in FIG. 46 (4700), the terminal receives and reads the debit authorization. By extracting a predetermined debit processing history from the full debit authorization (4705), and reading the extracted debit processing history, to confirm the debit authorization or debit error history for the debit amount (4710) ).

If it is confirmed that the debit payment error history for the customer payment amount is confirmed (for example, the debit payment for the customer payment amount is not approved) (4715), the terminal displays the insurance approval details and the debit payment error history. The screen is output to a predetermined screen provided in the terminal and / or printed out to a predetermined printing apparatus provided in the terminal (4720).

On the other hand, if the confirmation of the direct debit authorization for the customer payment amount is confirmed (for example, if the direct debit payment for the customer payment amount is approved) (4715), the terminal displays the insurance approval statement and the direct debit authorization details. The screen is output to a predetermined screen provided in the terminal and / or printed out to a predetermined printing apparatus provided in the terminal (4725).

48A, 48B, and 48C illustrate a virtual account for automatic medical expenses settlement processing using private medical insurance according to the method of the present invention.

In more detail, FIGS. 48A, 48B, and 48C are shown in FIGS. 1 and / or 8 at a given insurance company through the private medical insurance operating system shown in FIGS. 15 and / or 24 and / or 35, and the like. When a predetermined amount of private medical insurance settlement amount (or insurance payment amount) is deposited into a customer virtual account corresponding to a card issued to at least one customer through the issued card issuing system, the insurance company in the financial system where the virtual account is opened. As an example of a virtual account structure for managing a private medical insurance settlement amount (or insurance payment amount) deposited from the customer's virtual account to the customer, specifically, FIG. 48A shows a virtual account for automatic settlement of medical expenses using the private medical insurance. It is shown that an account is opened in connection with the financial institution mother account, and Fig. 48b shows the private medical insurance. The virtual account for the automatic settlement of medical expenses is established in connection with the private account of the private health insurance management institution, and FIG. 48C shows a virtual account for the automatic settlement of medical expenses using the private medical insurance. The figure shows that it is opened in connection with the insurance company's mother account corresponding to the private medical insurance.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 48a, 48b and 48c and pay the private medical insurance settlement amount (or insurance payment) deposited from the insurance company to the customer virtual account. Various implementation methods for the virtual account structure for managing the amount of money) may be inferred, but the present invention includes all the inferred implementation methods, and is limited to the implementation methods shown in FIGS. 48A, 48B, and 48C. Not.

Hereinafter, the private medical insurance settlement amount (or insurance payment amount) is referred to as "insurance payment amount" for convenience.

Referring to FIG. 4A, at least one customer virtual account in which the payment amount is deposited from an insurance company corresponding to the private medical insurance subscribed to by the customer is processed in association with the financial institution mother account. The account is processed by linking the insurance payment amount deposited into the customer virtual account from the insurance company corresponding to the private medical insurance subscribed to the customer and the medical institution information to which the insurance payment amount will be finally paid.

Through the private medical insurance management system shown in FIGS. 15 and / or 24 and / or 35, the insurance payment amount is deposited from the insurance company subscribed to by the customer to the virtual account linked to the financial institution mother account. When the insurance payment amount and medical institution information are linked to the customer virtual account, the financial system immediately withdraws the insurance payment amount from the customer virtual account and transfers (or deposits) the medical institution account corresponding to the medical institution information. And / or deposit the benefit payment amount in the customer virtual account for a predetermined period of time, and then periodically confirm (or deposit) the amount of the benefit payment to be deposited into a specific medical institution account from the at least one customer virtual account.

Referring to FIG. 4B, at least one virtual account for which the payment is received from an insurance company corresponding to the private medical insurance subscribed to by the customer is processed in association with the mother account of the private medical insurance management institution. The customer virtual account is processed by linking the insurance payment amount deposited into the customer virtual account from the insurer corresponding to the private medical insurance subscribed to the customer and the medical institution information to be finally paid.

Through the private health insurance management system shown in FIGS. 15 and / or 24 and / or 35, the insurance payment amount is transferred from the insurer subscribed to the customer to the virtual account linked to the mother account of the private health insurance management institution. By depositing, when the insurance payment amount and medical institution information are linked to the customer virtual account, the financial system immediately withdraws the insurance payment amount from the customer virtual account and transfers (or deposits) the medical institution account corresponding to the medical institution information. And / or deposit the benefit payment amount in the customer virtual account for a period of time, and then periodically transfer (or deposit) the payment amount to be deposited from the at least one customer virtual account to the specific medical institution account. )do.

Referring to FIG. 4C, at least one customer virtual account in which the payment amount is deposited from an insurance company corresponding to the private medical insurance subscribed to by the customer may be processed in connection with the insurance company's mother account. The insurance payment amount received from the insurer corresponding to the private medical insurance to which the customer subscribed to the customer virtual account and the medical institution information to which the payment payment amount is finally paid are processed.

Through the private medical insurance management system shown in FIGS. 15 and / or 24 and / or 35, the insurance payment amount is deposited from the insurer subscribed to the customer to the virtual account linked to the insurer's parent account. When the insurance payment amount and the medical institution information are linked to the customer virtual account, the financial system immediately withdraws the insurance payment amount from the customer virtual account and transfers (or deposits) the medical institution account corresponding to the medical institution information, and And / or deposit the benefit payment amount in the customer virtual account for a certain period of time, and then periodically check (or deposit) the amount of the benefit payment to be deposited into a specific medical institution account from the at least one customer virtual account.

The insurance payment amount is deposited from the insurance company subscribed to the customer to the customer virtual account, and when the insurance payment amount and the medical institution information are linked to the customer virtual account, the insurance payment amount is fixed to the customer virtual account. After depositing for a period of time, it will be described by showing a preferred method of periodically lumping (or depositing) the amount of insurance payments to be deposited into a specific medical institution account from at least one of the customer virtual accounts.

After depositing the payment amount in the customer virtual account for a period of time in connection with the financial system shown in the private medical insurance operating system shown in FIGS. 15 and / or 24 and / or 35, the at least one or more of the A preferred system configuration for checking a payment amount to be deposited into a specific medical institution account from a customer virtual account and periodically transferring (or depositing) the same is shown in FIG. 49.

49 shows the structure of a private medical insurance settlement system according to an embodiment of the present invention.

In more detail, FIG. 49 shows that when the payment amount is received from the insurance company subscribed to by the customer through the private medical insurance management system shown in FIGS. 15 and / or 24 and / or 35, the insurance payment amount is received. The insurance payment amount and medical institution information are linked to the customer virtual account, and the insurance payment amount is deposited in the customer virtual account for a predetermined period of time, and then the insurance payment to be deposited into a specific medical institution account from the at least one customer virtual account. The private medical insurance payment settlement system that checks the amount and transfers (or deposits) on a regular basis, and those who have ordinary knowledge in the technical field to which the present invention belongs, refer to and / or modify this drawing 49 It would be possible to infer various implementation methods for the medical insurance settlement system. The name includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, in FIG. 49, the customer virtual account is stored in a predetermined insurance settlement server 4900 connected to the financial system in which the customer virtual account is opened and via a predetermined interface means (for example, an internal communication network constituting the computer system of the financial institution). After depositing the payment amount in the account for a certain period of time, it will be described as checking the payment amount to be deposited into a specific medical institution account from at least one or more of the customer's virtual accounts and periodically transferring (or depositing) the payment amount. The present invention is by no means limited, and the functional configuration corresponding to the insurance settlement server 4900 may be provided in the medical expenses settlement unit provided in the external system of the financial system.

Referring to FIG. 49, the insurance settlement server 4900 may be transferred from the insurance company subscribed to the customer through the private medical insurance management system shown in FIGS. 15 and / or 24 and / or 35. When the payment amount is received, medical institution information (e.g., medical institution account number) to which the payment amount and the payment amount will be finally transferred to the customer virtual account, as shown in FIGS. 48A and / or 48B and / or 48C, will be transferred. Transfer (or deposit) from at least one insurance company to at least one customer virtual account through the information processing unit 4905 and the private medical insurance management system shown in FIGS. 15 and / or 24 and / or 35 Periodically check for final transfer (or deposit) of at least one benefit payment to each medical institution, and When it is confirmed that the final transfer (or deposit) of at least one or more insurance payments deposited in the at least one customer virtual account is made to each medical institution, the medical institution information associated with the customer virtual account is inquired and then connected to the same medical institution. (Or deposit) an information checking unit 4910 for confirming the customer virtual account to be deposited and the amount of the insurance payment deposited in the virtual account, and the same medical institution information in response to the verification result of the information checking unit 4910 And a transfer processing unit 4915 which withdraws each insurance payment amount from at least one or more customer virtual accounts and transfers (or deposits) to the medical institution account corresponding to the medical institution information.

When the insurance payment amount is received from the insurance company subscribed to by the customer through the private medical insurance operating system shown in FIGS. 15 and / or 24 and / or 35, the information processing unit 4905 may receive the information. The insurance payment amount and the insurance payment amount are finalized in the customer virtual account as shown in FIGS. 48A and / or 48B and / or 48C on the ledger D / B including the customer virtual account in connection with the financial system. It is characterized in that the information associated with the medical institution to be transferred (for example, medical institution account number).

According to the embodiment of the present invention, the information processing unit 4905 may transfer the payment amount and the payment amount linked to the customer virtual account as shown in FIGS. 48A and / or 48B and / or 48C. It is preferable to manage and maintain the medical institution information to be (or deposited) until the insurance payment amount is finally transferred (or deposited) to the medical institution account corresponding to the medical institution information by the transfer processing unit 4915.

The information checking unit 4910 may be transferred (or deposited) from at least one insurance company to at least one customer virtual account through at least one private insurance insurance system shown in FIGS. 15 and / or 24 and / or 35. Periodically check whether the final payment (or deposit) of one or more insurance payments to each medical institution.

For example, the information checking unit 4910 is the final transfer (or deposit) of the payment amount to each medical institution, once every 6 hours, once every 12 hours, once every day, or N (N > 1) can be verified once per day, once per week, or once per month.

If the verification result confirms that the at least one or more insurance payment amount deposited in at least one customer virtual account is finally transferred (or deposited) to each medical institution, the information verification unit 4910 is processed in association with the customer virtual account. By querying the medical institution information it is characterized in that the customer virtual account to be three-dimensional (or deposited) to the same medical institution and the amount of insurance payments deposited in the virtual account.

For example, in the embodiment shown in FIGS. 48A and / or 48B and / or 48C, the amount of the insurance payment ultimately transferred (or deposited) to the medical institution (or medical institution account) corresponding to the medical institution information (A) is , Insurance payment amount deposited in the virtual account (1), insurance payment amount deposited in the virtual account (3) and insurance payment amount deposited in the virtual account (4), and / or the medical institution information (B) The amount of the insurance payment that is finally transferred (or deposited) to the medical institution (or medical institution account) is the amount of the insurance payment deposited in the virtual account (1), the amount of the insurance payment deposited in the virtual account (3) and the virtual account (N). The amount of the insurance payment paid, and / or the amount of the insurance payment finally transferred (or deposited) to the medical institution (or the medical institution account) corresponding to the medical institution information (C), the amount of the insurance payment and the virtual account deposited in the virtual account (2). Is an insurance payments and deposits (3).

The transfer processing unit 4915 may withdraw each insurance payment amount from at least one or more customer virtual accounts including the same medical institution information in response to the verification result of the information verification unit 4910 and correspond to the medical institution account corresponding to the medical institution information. It is characterized by transferring (or depositing).

According to the exemplary embodiment of the present invention, the transfer processing unit 4915 may withdraw each insurance payment amount from at least one or more customer virtual accounts including the same medical institution information, and transfer it to the medical institution account corresponding to the medical institution information. And the insurance payment amount and medical institution information processed by the information processor 4905 in association with the customer virtual account as shown in FIGS. 48a and / or 48b and / or 48c. It is preferable to initialize the customer virtual account shown in FIGS. 4b and / or 4c and / or the customer virtual account shown in FIGS. 11a and / or 11b and / or 11c.

50 is a diagram illustrating an information processing process for settlement of private medical insurance according to the embodiment of the present invention.

In more detail, in Figure 50, the insurance payment amount is transferred from the insurer subscribed to the customer to the virtual account through the private health insurance management system shown in Figures 15 and / or 24 and / or 35. Deposit), the process of linking the insurance payment amount and medical institution information to the customer virtual account through the private medical insurance settlement system shown in FIG. 49, having a general knowledge in the technical field to which the present invention belongs. If one grows up, it is possible to infer various implementation methods for the information processing process for the settlement of the private medical insurance benefits by referring to and / or modifying the drawing 50, but the present invention includes all the inferred implementation methods, whereby The present invention is not limited.

In the drawing 50, the insurance settlement server 4900 shown in the drawing 49 will be referred to as " server " for convenience.

Referring to FIG. 50, the server is connected to the customer virtual account from an insurance company subscribed to by the customer through the private medical insurance management system shown in FIGS. 15 and / or 24 and / or 35 in connection with the financial system. Periodically check whether the predetermined payment amount is transferred (or deposit) (5000), if it is confirmed that the predetermined payment amount is transferred (or deposited) from the insurance company subscribed to the customer virtual account (5005) ), The server provides medical institution information provided by the insurer through the private medical insurance management system shown in FIGS. Medical institution information) to be received (5010), and in conjunction with the financial system as shown in FIGS. 48A and / or 48B and / or 48C. The insurance payment amount and the medical institution information are linked to the virtual account of the customer (5015).

The server withdraws from at least one insurance payment amount deposited in at least one customer virtual account from the customer virtual account while performing the above-described information processing processes 5000 to 5015 in connection with the financial system. Periodically check whether or not the final settlement process to the medical institution (5020), if the at least one or more insurance payment amount deposited in at least one or more customer virtual account is withdrawn from the customer virtual account for final settlement to each medical institution If it is confirmed (5025), the server performs the private medical insurance settlement process shown in Figure 51.

51 is a view showing a private medical insurance settlement process according to the method of the present invention.

More specifically, FIG. 51 illustrates the withdrawal of at least one payment amount deposited in at least one customer virtual account from the customer virtual account while performing the information processing process for the settlement of the private medical insurance benefit shown in FIG. When the final settlement is confirmed to each medical institution, the process is for the process of withdrawal (or deposit) the entire amount of insurance payments settled from the at least one customer virtual account to the same medical institution and collectively transfer (or deposit) the same to the medical institution account. However, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 51 to infer various implementation methods for the private medical insurance settlement process, but the present invention infers the above. It includes all the implementation methods, whereby the present invention It is not limited.

In FIG. 51, the insurance settlement server 4900 shown in FIG. 49 is referred to as " server " for convenience.

Referring to FIG. 51, while performing the information processing process for the settlement of the private medical insurance benefit shown in FIG. 50, at least one insurance payment amount deposited in at least one customer virtual account is withdrawn from the customer virtual account, respectively. If it is confirmed that the medical institution is finally settled, the server checks at least one customer virtual account including the same medical institution information in association with the financial system (5100).

If at least one customer virtual account including the same medical institution information is identified (5105), the server collectively withdraws each insurance payment from the at least one customer virtual account containing the same medical institution information in association with the financial system. In operation 5110, the insurance payment amount collectively withdrawn in response to the same medical institution information is transferred (or deposited) to the medical institution account in association with the financial system (5115).

Thereafter, the server checks whether the final settlement of the payment amount is completed in correspondence to all the medical institutions (5120). The server performs a final settlement processing on the payment amount deposited in the customer virtual account for all the medical institutions. The above process (5100 ~ 5115) is repeatedly performed until completion (5125), and if the final settlement processing of the payment amount deposited in the customer virtual account is completed for all medical institutions (5125). In addition, the server repeatedly performs an information processing process for settlement of the private medical insurance shown in FIG.

According to the present invention, by issuing a card provided with a virtual account for the private medical insurance settlement process to a predetermined private medical insurance subscriber, when the subscriber is provided with medical services through a hospital. There is an advantage in automating the process of complex private health insurance services.

According to the present invention, by automating the private medical insurance service process through a card provided with a virtual account for the private medical insurance settlement processing to a predetermined private medical insurance subscriber, both the customer and hospital. There is an advantage to be provided.

Claims (8)

delete delete A financial institution server which opens a predetermined account (or virtual account) for the settlement of medical expenses to the customer, and issues a predetermined card including the account (or virtual account) information opened to the customer as a unique ID to the customer; When a predetermined terminal device generates a full-service medical expenses processing approval request full message using the customer card information, and transmits the generated full text, the terminal reads the full text transmitted by the terminal device to check an insurance company corresponding to the full text. And relay server for transmitting the full message to the confirmed insurance company server; And Read the full message transmitted by the relay server, read out the unique card ID, and confirm the customer information and / or customer insurance subscription information corresponding to the read unique ID, according to the confirmation result, the processing of the customer-burden medical expenses And an insurance company server transmitting the approval result corresponding to the approval request to the relay server. The relay server, After checking the account (or virtual account) information included in the card ID, using the confirmed account (or virtual account) information, deposit the medical expenses corresponding to the authorization details to the account (or virtual account) An information processing system, characterized in that. A financial company server that opens a virtual account for medical expenses settlement, which has a medical account for requesting a medical expenses settlement agency account, and issues a predetermined card including the virtual account information opened to the clients as a unique ID to the client; When a predetermined terminal device generates a full-service medical expenses processing approval request full message using the customer card information, and transmits the generated full text, the terminal reads the full text transmitted by the terminal device to check an insurance company corresponding to the full text. And a medical cost settlement requesting institution server for transmitting the full text to the confirmed insurance company server. And Read the full text transmitted by the medical expenses settlement requesting agency server, read a card unique ID, confirm customer information and / or customer insurance subscription information corresponding to the read unique ID, and according to the verification result, the customer And an insurance company server for transmitting the approval result corresponding to the burden medical cost processing approval request to the medical cost settlement requesting institution server. The financial company server, When the medical expenses corresponding to the approval details are deposited into the medical expenses settlement requesting institution account, the virtual expenses information included in the unique ID is checked, and then the medical expenses which have been deposited into the virtual accounts are verified by using the confirmed virtual account information. An information processing system, characterized in that the transfer process. delete Opening a predetermined account (or virtual account) for the settlement of medical expenses to the customer at the financial company server, and issuing a predetermined card including the account (or virtual account) information opened to the customer as a unique ID to the customer; When a predetermined terminal device generates a full-service medical expenses processing approval request full message using the customer card information, and transmits the generated full text, the relay server reads the full text transmitted by the terminal device and corresponds to the full text. Identifying an insurance company and transmitting the telegram to the confirmed insurance company server; And The insurance company server reads the message transmitted by the relay server, reads out the card unique ID, checks the customer information and / or the customer insurance subscription information corresponding to the read unique ID, and according to the verification result, the customer Transmitting an approval result corresponding to the burden medical expenses processing approval request to the relay server; And Depositing the medical expenses corresponding to the approval details to the account (or virtual account) by using the account (or virtual account) information included in the card unique ID at the insurance company server or the relay server; and Information processing method, characterized in that made. Opening a medical account settlement virtual account using a medical account settlement request institution account as a mother account at a financial company server, and issuing a predetermined card including the virtual account information opened to the customer as a unique ID to the customer; When a predetermined terminal device generates a full-service medical expenses processing approval request full message using the customer card information, and transmits the generated full text, the full text transmitted by the terminal device is read by the medical expenses settlement requesting institution server, Identifying an insurance company corresponding to the, and transmitting the telegram to the confirmed insurance company server; An insurance company server reads the full text transmitted by the medical expenses settlement requesting institution server, reads out a card unique ID, checks customer information and / or customer insurance subscription information corresponding to the read unique ID, and according to the verification result. Transmitting an approval result corresponding to the medical expenses processing approval request to the medical expenses settlement requesting institution server; And When the medical expenses corresponding to the approval details are deposited into the medical expenses settlement requesting institution account, the financial institution server confirms the virtual account information included in the unique ID, and then uses the checked virtual account information to the virtual account. And transferring the deposited medical expenses. A recording medium comprising a program for executing the method of claim 6 or 7.

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