KR100854341B1 - System and Method for Operating Medical Insurance Money and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for operating a medical insurance claim and a recording medium therefor. The method for operating a medical insurance claim according to the present invention provides a predetermined method by linking medical institution information and medical insurance claim information for the medical institution in a predetermined information storage means. Storing the information on the storage medium, and confirming the medical institution information and the medical insurance claim information in connection with the storage medium (or the storage medium operating means) in a predetermined information requesting means, and then requesting the insurance company to pay the predetermined medical insurance money. And depositing the medical insurance money into the medical institution account at a predetermined deposit means when the requested medical insurance money is deposited through the insurance company. As a result, the financial institution may generate commission income from the prepayment of the prepayment of the salary-based medical insurance, or generate the loan interest by processing the prepayment of the prepayment of the salary-based medical insurance in accordance with the mortgage procedure. Providers can control cash flows by minimizing the time gap between billing and payment.

Insurance, medical care, operation

Description

System and Method for Operating Medical Insurance Money and Program Recording Medium}

1 is a diagram illustrating an information registration and account opening system for a medical insurance advance payment after payment service according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating the structure of ledger information for a medical insurance advance payment after payment service according to an embodiment of the present invention.

3A, 3B, and 3C are diagrams illustrating a virtual account structure for a medical insurance prepayment post settlement service according to an embodiment of the present invention.

4 is a diagram illustrating a process of registering face-to-face medical insurance advance payment post-payment processing information according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating an information registration and account opening system for a medical insurance advance payment after payment service according to another embodiment of the present invention.

FIG. 6 is a diagram illustrating the structure of ledger information for a medical insurance advance payment after payment service according to another embodiment of the present invention.

7A, 7B, and 7C are diagrams illustrating a virtual account structure for a medical insurance prepayment post settlement service according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of registering web-based medical insurance advance payment post-payment processing information according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a financial transaction channel connection process for registering medical insurance prepayment post-payment processing information through Internet banking according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a method for registering medical insurance advance payment post-payment processing information through an internet banking-based financial transaction channel according to an embodiment of the present invention.

11 is a diagram illustrating a medical insurance settlement processing system configuration according to an embodiment of the present invention.

12 is a diagram illustrating a medical insurance advance payment processing process according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a post-settlement process of a prepaid medical insurance premium according to an embodiment of the present invention.

14 is a diagram illustrating a medical insurance settlement processing system configuration according to another embodiment of the present invention.

15 is a diagram illustrating a medical insurance advance payment processing process through a medical insurance security loan procedure according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating a post-settlement process of a medical insurance premium processed as a mortgage according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: account opening unit

130: storage medium 135: information registration terminal

The present invention provides a medical institution information and medical insurance claim information for a medical insurance payment prepayment service according to the present invention to a medical insurance settlement processing system through a predetermined information registration interface when a predetermined medical institution customer visits a financial institution. In the medical insurance settlement processing system, the provided medical institution information and medical insurance claim information are processed by storing them in a predetermined storage medium, and then the medical insurance prepayment post payment service is based on the medical institution information and medical insurance claim information in a predetermined financial system. The present invention relates to a method and system for operating a medical insurance claim for opening an account for a medical institution and a recording medium therefor.

As the quality of life improves, the national medical insurance system is being implemented as part of the social security system. As a result, most medical services except for traffic accidents are billed and paid for through the national medical insurance.

However, the medical billing and payment through the National Medical Insurance is not made in real time, and if a predetermined medical bill is charged from a medical institution to the National Medical Insurance Corporation, the National Medical Insurance Corporation will A review and payment approval process is performed, and payment is made to the medical institution after a certain period of time has passed even after the payment approval.

Such a time difference between medical billing and payments may impede the provider of cash flow, and in some cases, if a review of the medical billing occurs, the billed medical costs may be reduced, or the payment time may be It includes problems that get too long.

An object of the present invention for solving the above problems is, if a predetermined information storage means is linked to the medical institution information and the medical insurance claim information for the medical institution and stored in a predetermined storage medium, the predetermined information requesting means in the storage medium After confirming the medical institution information and the medical insurance claim information in connection with the storage medium operation means, the insurance company requests a predetermined medical insurance payment, and when the requested medical insurance money is deposited through the insurance company, the predetermined payment means The present invention provides a method and system for operating a medical insurance money to deposit the medical insurance money into the medical institution account.

Medical insurance operation management system according to the present invention, information storage means for linking at least one or more medical institution information and medical insurance claim information for the medical institution and stored in a predetermined storage medium, and the storage medium (or storage medium operating means) Check the medical institution information and the medical insurance claim information, generate predetermined medical insurance payment request information for claiming a medical insurance claim to be paid to the medical institution, and provide the medical insurance payment request information to the insurance company Information requesting means for receiving information, payment receiving information for receiving payment approval information corresponding to the medical insurance payment request from the insurance company, deposit processing means for withdrawing the medical insurance premium corresponding to the payment approval information and prepayment to the medical institution account; Through the insurance company to the medical institution When the insurance money to be deposited to a predetermined payout operation accounts, characterized by comprising the settlement processing means for processing the settlement of payment claims.

According to the present invention, the benefit management account is characterized in that it comprises a real account or a virtual account.

On the other hand, the medical insurance operating method according to the present invention, the predetermined information storage means for storing the medical institution information and the medical insurance claim information for the medical institution in a predetermined storage medium, and in the predetermined information request means After confirming the medical institution information and the medical insurance claim information in connection with a storage medium (or storage medium operating means), requesting a predetermined insurance premium payment to an insurance company, and receiving the medical insurance money from the insurance company at a predetermined information receiving means. Receiving payment approval information corresponding to the payment request, withdrawing a medical insurance premium corresponding to the payment approval information from a predetermined deposit processing means, and making a prepayment to the medical institution account, and paying the medical institution through the insurance company; When the amount of money to be paid is received into a predetermined amount of money management account, the predetermined settlement processing number It is characterized in that it comprises a step of settlement of the deposited insurance money.

On the other hand, the medical insurance operation method according to the present invention, the predetermined amount of the insurance premium payment approval from the predetermined deposit processing means in advance to the medical institution account and the insurance premium to be paid to the medical institution through the insurance company is predetermined insurance money When the deposit into the operating account, characterized in that it comprises the step of settlement of the deposited insurance money in a predetermined settlement processing means.

On the other hand, the medical insurance operating method according to the present invention, the predetermined information storage means for storing the medical institution information and the medical insurance claim information for the medical institution in a predetermined storage medium, and in the predetermined information request means After confirming the medical institution information and the medical insurance claim information in connection with a storage medium (or a storage medium operating means), requesting payment of a predetermined medical insurance premium to an insurance company, and when the requested medical insurance money is deposited through the insurance company, It characterized in that it comprises the step of depositing the medical insurance money in the payment means of the medical institution account.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-mentioned medical insurance operating 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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or 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 a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for 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 examples 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 is only.

1 is a diagram illustrating an information registration and account opening system for a medical insurance advance payment after payment service according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined medical institution customer visits a financial institution through the prescribed information registration interface to the medical insurance payment settlement processing system medical information and medical insurance claim information for the medical insurance advance payment after payment service according to the present invention If so, the medical insurance settlement processing system stores the medical institution information and medical insurance claim information in a predetermined storage medium in a linked storage medium, and then stores the medical insurance money based on the medical institution information and medical insurance claim information in a predetermined financial system. As a system configuration for opening a medical institution account for a prepayment service for a prepayment, those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 1 to provide a post payment service for medical insurance prepayment. In information registration and account opening system configuration Would be able to infer a variety of exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one or more means for storing medical institution information and medical insurance claim information provided from the medical institution customer through the predetermined information registration interface on the information registration and account opening system shown in FIG. The component corresponding to the functional configuration is called "financial company server" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration and account opening system for a medical insurance advance payment after payment service according to the present invention includes at least one window terminal provided at at least one financial institution branch. And an information registration terminal, wherein the information registration terminal is connected to a communication channel with a financial company server provided on the medical insurance settlement processing system through a predetermined network means.

According to an exemplary embodiment of the present invention, the medical institution customer visits the financial institution branch for a medical insurance advance payment after payment service according to the present invention, and through a window provided at the financial institution branch (or through a teller). Fill out a prescribed application for medical insurance advance payment after payment (e.g., a document with a form for filling in at least one item of information for medical insurance advance payment) and submit the completed application to the teller. The teller staff inputs (or selects) information written in the application through a predetermined teller terminal, and the teller terminal transmits the input (or select) information to the medical insurance settlement processing system through the network means. It is preferable to transmit to the financial institution server provided in.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the branch of the financial institution, the financial company server connected to the teller terminal includes a ledger server provided on the predetermined financial system; Preferably, the network means for connecting the teller terminal and the financial institution server comprises a financial network (eg, a current network) for connecting a communication channel between the teller terminal and the financial institution server.

In the information registration and account opening system as described above, the application prepared by the medical institution customer, the teller terminal used by the teller staff, and the financial network connecting the teller terminal and the financial company server are provided by the medical institution customer according to the present invention. Functions as an information registration interface for registering medical institution information and medical insurance claim information for medical insurance advance payment settlement service.

The storage medium 130 provided on the medical insurance settlement processing system according to the present invention is characterized in that the medical institution information provided from the information registration terminal and the medical insurance claim information is stored in association.

In this case, the medical institution information may be provided to at least one patient who visits the medical institution (eg, medical questionnaire, prescription, treatment, etc.), and the insurance company (eg, National Health Insurance Corporation) of the medical expenses corresponding to the medical service. It is characterized in that it comprises medical and hospital information to claim the medical insurance payment to the insurance company.

According to an embodiment of the present invention, the medical institution information includes medical institution identification information (or medical institution unique code) assigned to the medical institution by the insurance company for the medical insurance claim and payment, the medical institution name, and the ledger of the medical institution. Person in charge) It is preferable to include the information, it is preferable to further comprise the address and / or business registration number of the medical institution according to the intention of the skilled person.

According to an exemplary embodiment of the present invention, the medical institution information is information (for example, information for processing a financial account of the medical institution name established in the financial institution in the financial institution server 100 as a medical institution account for the medical insurance advance payment after payment service). , Medical institution business registration information (or corporate registration information) and / or medical institution seal information).

According to another exemplary embodiment of the present invention, the medical institution information includes information for opening a financial account in the name of the medical institution for the medical insurance advance payment after payment service (for example, medical institution business registration information (or Corporate registration information) and / or medical institution seal information).

According to another exemplary embodiment of the present invention, the medical institution information is information (for example, medical institution business registration information (or corporate registration) for opening a virtual account of the medical institution name for the medical insurance advance payment after settlement service on the financial institution server. Information) and the like).

In addition, the medical insurance claim information, after providing the medical service to the at least one patient in the medical institution, claiming the medical insurance payment to be paid by the insurance company (for example, the National Health Insurance Corporation) of the treatment costs corresponding to the medical service Characterized in that it comprises information for.

According to the embodiment of the present invention, the medical insurance claim information is preferably made by the medical institution including a medical insurance claim number (or code) that must be provided to the insurance company for the medical insurance claim corresponding to the medical service.

According to an embodiment of the present invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the medical insurance settlement processing system (or associated with the medical insurance settlement processing system). At this time, the storage medium may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium 130 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the medical insurance settlement processing system, And / or [DBMS] on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The financial company server 100 provided on the medical insurance settlement processing system according to the present invention is a generic term for the medical insurance settlement processing system side components connected to the information registration terminal through a predetermined network means, and includes at least one server. (Or a device), and / or may be 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 an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the financial company server 100 is a ledger provided on a financial system connected to the window terminal through a predetermined financial network. It may be a server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 100 is connected to the Internet. Any server (or device) provided with a predetermined internet banking server provided on a banking system, and / or a program provided with the internet banking server, and / or accessible to the external system of the financial system through the internet banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the Internet banking server (and / or the server (or device)). And / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the financial institution server 100 may be configured on the wireless banking system. A predetermined wireless banking server, and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or A program provided in a server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), and / Or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the financial loan server 100 is located on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server), and / or a program provided in the telebanking server, and / or accessing the external system of the financial system through the telebanking system Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 100 is on the TV banking system. Is a predetermined TV banking server provided in and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system; A program provided in the server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the TV banking server (and / or the server (or device)), And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to the embodiment of the present invention, the financial company server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 105 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the financial institution server 100 is connected with the interface unit 105 when a predetermined information registration terminal 135 accesses the financial institution 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 medical institution information and medical insurance claim information from the information registration terminal 135 to the information registration terminal 135. 110 and an information receiving unit receiving predetermined medical institution information and medical insurance claim information inputted (or selected) and transmitted from the information registration terminal 135 through the user interface in cooperation with the interface unit 105 ( 115) and an information storage unit 120 for storing the received medical institution information and the medical insurance claim information in association with the storage medium 130. It features.

The interface providing unit 110 corresponds to a functional configuration provided in the information registration terminal 135 when a predetermined information registration terminal 135 is connected to the financial institution server 100 through the interface unit 105. Generate a predetermined user interface capable of inputting (or selecting) the medical institution information and the medical insurance claim information to the financial institution server 100 via the network means, and / or extracting from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 105 may be provided to the information registration terminal 135 through the network means.

Thereafter, the information registration terminal 135 inputs (or selects) the medical institution information and the medical insurance claim information based on the user interface, and transmits the input (or the selected) medical institution information and the medical insurance claim information to the network means. Through the transmission to the financial company server 100.

In this case, the medical institution information may be provided to at least one patient who visits the medical institution (eg, medical questionnaire, prescription, treatment, etc.), and the insurance company (eg, National Health Insurance Corporation) of the medical expenses corresponding to the medical service. It is characterized in that it comprises medical and hospital information to claim the medical insurance payment to the insurance company.

According to an embodiment of the present invention, the medical institution information includes medical institution identification information (or medical institution unique code) assigned to the medical institution by the insurance company for the medical insurance claim and payment, the medical institution name, and the ledger of the medical institution. It is preferable to include the person in charge) information, and it is preferable to further include the address and / or business registration number of the medical institution according to the intention of the skilled person.

According to an exemplary embodiment of the present invention, the medical institution information is information (for example, information for processing a financial account of the medical institution name established in the financial institution in the financial institution server 100 as a medical institution account for the medical insurance advance payment after payment service). , Medical institution business registration information (or corporate registration information) and / or medical institution seal information).

According to another exemplary embodiment of the present invention, the medical institution information includes information for opening a financial account in the name of the medical institution for the medical insurance advance payment after payment service (for example, medical institution business registration information (or Corporate registration information) and / or medical institution seal information).

According to another exemplary embodiment of the present invention, the medical institution information is information for establishing a virtual account of the medical institution name for the medical insurance advance payment after payment service at the financial institution server 100 (for example, medical institution business registration information ( Or corporate registration information).

In addition, the medical insurance claim information, after providing the medical service to the at least one patient in the medical institution, claiming the medical insurance payment to be paid by the insurance company (for example, the National Health Insurance Corporation) of the treatment costs corresponding to the medical service Characterized in that it comprises information for.

According to the embodiment of the present invention, the medical insurance claim information is preferably made by the medical institution including a medical insurance claim number (or code) that must be provided to the insurance company for the medical insurance claim corresponding to the medical service.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

When the information registration terminal 135 inputs (or selects) predetermined medical institution information and medical insurance claim information through the user interface and transmits the information through the network means, the information receiving unit 115 receives the interface unit 105. And receiving the medical institution information and the medical insurance claim information in association with the medical institution, and providing the received medical institution information and the medical insurance claim information to the information storage unit 120.

The information storage unit 120 stores the information on the storage medium 130 by linking the medical institution information and the medical insurance claim information received through the information receiving unit 115, and the storage medium 130. Is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 120 stores the received medical institution information and medical insurance claim information in the storage medium ( 130 is preferably linked to and stored. When the storage medium 130 is provided in a DBMS provided on a financial system, the information storage unit 120 stores the received medical institution information and medical insurance claim information. It is desirable to provide and store the information system through the external system on the financial system.

A financial institution providing a medical insurance advance payment after payment service according to the present invention may be provided with at least one financial transaction for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction medical institution customer. And a system.

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 client.

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 medical institution 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 financial institution medical institution customer through a laptop and / or portable 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) Non-face-to-face financial transaction services to at least one financial transaction provider through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

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 institution through 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 smart phones, etc.) to provide non-face-to-face financial transaction services to at least one financial transaction provider.

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 client.

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 provider.

The financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial transaction medical institution client and provide at least one financial transaction service based on the financial account, and at least one branch office. At least one of the accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at (or at a window), an information system for processing a headquarters business, a branch office information support, and a medical institution customer information management; Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, tele Banking, TV banking, etc.) access to the financial system, 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 (eg, ledger information, and / or medical institution customer information, and / or information required for each function in a component in the financial system). And a database management system (DBMS) including at least one database for storing and managing management 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.

Referring to FIG. 1 according to an embodiment of the present invention, the external system on the financial system is provided with an insurance processing unit for providing a medical insurance advance payment after payment service in connection with the financial company server 100.

In addition, the DBMS provided in the financial system is at least one for the financial institution to open at least one financial account to at least one financial transaction medical institution customer, and provide at least one financial transaction service based on the financial account And a ledger D / B for storing the ledger, wherein the ledger D / B includes at least one ledger information for processing at least one financial transaction to be provided to the financial transaction medical institution customer by the financial institution. For example, a medical institution customer ledger, a reception ledger, a mortgage 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) are relational. 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.

According to the present invention, the financial system post-settlement processing for the medical insurance deposit prepayment in which a predetermined amount to be prepaid to a predetermined medical institution account (or a virtual account in the name of the medical institution) is deposited to provide a medical insurance prepayment post settlement service according to the present invention. Characterized in that the mother account is opened, the mother account for the post-payment processing of the medical insurance benefit deposit is a mother account for the post-payment processing of medical insurance money deposit in the name of the financial institution, or a mother account for the post-payment processing of medical insurance money deposit in the name of the insurance company, or If there is an institution that pays for the medical insurance according to the implementation method, it characterized in that it comprises at least one or more mother accounts for the medical insurance prepayment payment settlement of the medical insurance payment agency.

Referring to FIG. 1, when the financial institution server 100 associates and stores the medical institution information and the medical insurance claim information in the storage medium 130 through the information storage unit 120, through the predetermined interface means. And an account opening unit 125 for opening a medical institution account for providing the medical insurance advance payment after payment service according to the present invention based on the medical institution information and the medical insurance claim information in connection with a predetermined financial system. do.

According to an embodiment of the present invention, when a financial account corresponding to the medical institution information is previously opened in the financial system, the account opening unit 125 may settle a financial account corresponding to the medical institution information after the medical insurance prepayment service. Characterized in that the treatment to the medical institution account to provide.

If one of ordinary skill in the art to which the present invention belongs, with reference to the figure 1 based on the financial account related ledger information stored in the ledger D / B provided in the DBMS on the financial system to the medical institution account the medical insurance money Since it may be possible to infer a method of processing a medical institution account for providing a prepayment service, a detailed description thereof will be omitted for convenience.

According to another exemplary embodiment of the present invention, when a financial account corresponding to the medical institution information is not established in the financial system, the account opening unit 125 opens a financial account in the name of the medical institution based on the medical institution information. And, the opened financial account is characterized in that it is processed into a medical institution account for providing the medical insurance advance payment after payment service.

If one of ordinary skill in the art to which the present invention belongs, at least one or more financial account-related ledger information is recorded in the ledger D / B provided in the DBMS on the financial system based on the medical institution information with reference to this figure 1 By doing so, it will be possible to infer a method of opening a financial account under the name of the medical institution for providing the financial account prepayment service of the medical insurance deposit, so a detailed description thereof will be omitted for convenience.

According to another exemplary embodiment of the present invention, when the financial account corresponding to the medical institution information is not established in the financial system, but the real financial account corresponding to the medical institution information cannot be opened, the account opening unit 125 In order to provide the post-payment service of the medical insurance deposit, the medical institution may open a virtual account under the name of the medical institution based on the information.

In this case, the virtual account in the name of the medical institution is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the insurance company parent account, or the agency that pays the medical insurance money according to the implementation method If there is, it is possible to open all in the form of a virtual account associated with the mother account of the medical insurance payment agency, thereby the present invention is not limited.

2 is a diagram showing the structure of the ledger information for medical insurance prepayment after payment service according to an embodiment of the present invention.

In more detail, Figure 2 processes the financial account of the name of the medical institution provided on the financial system through the information registration and account opening system shown in Figure 1 as a medical institution account for the medical insurance advance payment after payment, or In the case where a medical institution account for the medical insurance advance payment after payment service is opened on the financial system, a method of implementing ledger information for processing the medical insurance advance payment after payment is shown, and in the technical field to which the present invention pertains. Those skilled in the art can refer to and / or modify the drawing 2 to infer various implementation methods for the composition of the ledger information for the post-settlement of the medical insurance premiums in the ledger D / B. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. You are good.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the account ledger corresponding to the medical institution account in the general ledger D / B is for the medical institution information and medical insurance money registered through the information registration and account opening system shown in FIG. Medical insurance information including billing information is stored in the form of additional information added to the account ledger.

In this case, the medical institution information may be provided to at least one patient who visits the medical institution (eg, medical questionnaire, prescription, treatment, etc.), and the insurance company (eg, National Health Insurance Corporation) of the medical expenses corresponding to the medical service. It is preferable to include medical institution identification information (or a medical institution unique code) assigned to the medical institution by the insurer in order to identify (or confirm) the clinic / hospital billed to the insurer for the medical insurance to be paid.

In addition, the medical insurance claim information, after providing the medical service to the at least one patient in the medical institution, claiming the medical insurance payment to be paid by the insurance company (for example, the National Health Insurance Corporation) of the treatment costs corresponding to the medical service It is preferable to include a medical insurance claim number (or code) to be provided to the insurance company.

According to another exemplary embodiment of the present invention, the medical institution information and the medical insurance claim information are stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Can be stored in the form of additional information added to the) and / or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and the present invention is not limited thereto.

3A, 3B, and 3C are diagrams illustrating a virtual account structure for a medical insurance prepayment post settlement service according to an embodiment of the present invention.

In more detail, FIGS. 3A, 3B, and 3C are provided to provide a post-payment service for medical insurance prepayment based on medical institution information and medical insurance claim information registered through the information registration and account opening system shown in FIG. Specifically, FIG. 3a illustrates a virtual account structure for processing a medical insurance deposit prepayment after payment in the name of a medical institution provided in the financial system. 3b shows that the virtual account for the post-payment processing of the medical insurance payment is established in connection with a predetermined mother's account for the medical insurance payment payment institution, and FIG. 3c shows the virtual account for the post-payment processing for the medical insurance payment. It is shown to be opened in connection with the parent account.

Those skilled in the art to which the present invention pertains, a medical institution that is provided in the financial system to provide the medical insurance prepayment post payment service by referring to and / or modifying the drawings 3a, 3b and 3c. Although various implementation methods may be inferred for the virtual account structure for post-payment processing of medical insurance payments in the name of the present invention, the present invention includes all of the inferred implementation methods, and is shown in FIGS. 3A, 3B, and 3C. It is not limited to the method.

Referring to FIG. 3A, the ledger D / B on the financial system includes a predetermined financial institution mother account and a virtual account of at least one medical institution name linked to the mother account for the post-settlement of the medical insurance premium.

Here, the financial institution mother account is a real account opened in the financial institution for the post-payment processing of the medical insurance premiums, the financial institution to claim the medical insurance money corresponding to at least one medical institution from the insurance company, the insurance company from the When the medical insurance payment approval information is received in accordance with the medical insurance claim, medical treatment in the name of the financial institution in which a predetermined amount is deposited to withdraw the amount corresponding to the medical insurance payment approval information and deposit the amount corresponding to the medical insurance payment approval information into the virtual account under the medical institution name. It is characterized in that it comprises a maternity account for post-payment processing of insurance claims.

According to one embodiment of the present invention, the financial institution mother account is characterized in that it is processed in connection with a virtual account of at least one or more medical institution names for the post-payment of the medical insurance payment deposit, at least from the financial institution to the insurance company periodically When the medical insurance claim corresponding to one or more medical institutions is received and predetermined medical insurance payment approval information corresponding to the medical insurance claim is received from the insurance company, the financial institution pays the medical insurance premium among the amounts deposited in the financial institution mother account. The amount corresponding to the approval information is automatically transferred to the virtual account in the name of the medical institution.

According to another exemplary embodiment of the present invention, the financial institution mother account is processed in association with a virtual account of at least one or more medical institution names for the post-settlement of the medical insurance payment deposit, and the insurance company from the medical institution to the financial institution. Requests a prepayment for a medical insurance premium to be paid to the medical institution, the financial institution requests the medical insurance premium corresponding to the medical institution from the financial institution in response to the medical insurance advance payment request, When the corresponding predetermined medical insurance payment approval information is received, the financial institution collateralizes the amount corresponding to the medical insurance payment approval information among the amount deposited in the financial institution mother account to the virtual account under the name of the medical institution.

Referring to FIG. 3B, the ledger D / B on the financial system includes a predetermined medical insurance payment institution mother account for processing the medical insurance advance payment and a virtual account of at least one medical institution name linked to the mother account. It is done by

Here, the mother's account of the medical insurance payment agency is a real account opened in the financial institution for the post-payment processing of the medical insurance premium, claiming a medical insurance money corresponding to at least one medical institution from the financial institution to the insurer, When the medical insurance payment approval information is received from the insurer according to the medical insurance claim, the financial institution that withdraws the amount corresponding to the medical insurance payment approval information and deposits a predetermined amount to deposit into the virtual account under the name of the medical institution. It is characterized in that it comprises a mother account for the post-payment processing of medical insurance payment deposit in the name.

According to one embodiment of the invention, the medical insurance payment agency institutional account is characterized in that it is processed in association with a virtual account of at least one or more medical institution name for the post-payment of the medical insurance premium payment, the financial institution periodically When an insurance company bills a medical insurance claim corresponding to at least one medical institution, and the predetermined insurance premium payment approval information corresponding to the medical insurance claim is received from the insurance company, the financial institution is deposited in the mother's account of the medical insurance payment agency. The amount corresponding to the medical insurance payment payment information of the amount is automatically transferred to the virtual account under the name of the medical institution.

According to another exemplary embodiment of the present invention, the medical insurance payment agency mother account is linked with a virtual account of at least one medical institution name for the post-payment of the medical insurance payment deposit, and the financial institution in the financial institution When the insurance company requests advance payment for medical insurance payments to be paid to the medical institution, the financial institution claims the medical insurance money corresponding to the medical institution from the financial institution in response to the medical insurance advance payment request, When the predetermined medical insurance payment approval information corresponding to the medical insurance claim is received, the financial institution transfers the amount corresponding to the medical insurance payment approval information among the amounts deposited in the medical insurance payment agency mother account, to the virtual account under the name of the medical institution. Loan processing by The.

Referring to FIG. 3C, the ledger D / B on the financial system includes a predetermined insurance company mother account and a virtual account of at least one medical institution name that is linked to the mother account for post-settlement of the medical insurance benefit.

Here, the insurer's mother account is a real account opened in the financial institution for the post-payment of the medical insurance prepayment, and the medical institution bills the insurer for the at least one medical institution corresponding to the at least one medical institution, and the medical company from the insurer When the medical insurance payment approval information is received in accordance with the insurance claim, the medical insurance money in the name of the financial institution in which a predetermined amount for depositing an amount corresponding to the medical insurance payment approval information and depositing it into a virtual account under the medical institution name is deposited. It is characterized in that it comprises a mother account for prepayment after-payment.

According to an exemplary embodiment of the present invention, the insurer's mother account is processed in association with a virtual account of at least one or more medical institution names for the post-settlement of the medical insurance payment deposit, and at least one of the insurers periodically as the insurer. When the medical insurance claim corresponding to the above medical institution is claimed, and the predetermined medical insurance payment approval information corresponding to the medical insurance claim is received from the insurance company, the financial institution receives the medical insurance payment approval information among the amounts deposited in the insurance company's mother account. Automatically transfer the amount corresponding to the virtual account in the name of the medical institution.

According to another exemplary embodiment of the present invention, the insurance company parent account is processed in association with a virtual account of at least one or more medical institution names for the post-payment of the medical insurance payment deposit, and the insurance company is the financial institution in the insurance company. When a request is made for a medical insurance premium to be paid to the medical institution, the financial institution requests the medical insurance money corresponding to the medical institution from the financial institution to the insurance company in response to the medical insurance advance payment request, and responds to the medical insurance claim from the insurance company. When the predetermined medical insurance payment approval information is received, the financial institution collateralizes the amount corresponding to the medical insurance payment approval information among the amounts deposited in the insurance company's account to the virtual account under the name of the medical institution.

4 is a diagram illustrating a process of registering face-to-face medical insurance advance payment post-payment processing information according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a case in which the teller terminal is connected to the financial institution server 100 when the financial institution server 100 on the information registration and account opening system shown in FIG. 1 has a ledger server function. After connecting the communication channel for information registration according to the invention, and transmits the medical insurance prepayment post-payment processing information including the medical institution information and medical insurance claim information to the financial institution server 100 through the communication channel, The financial company server 100 is a method for performing the linkage processing of the received medical insurance prepayment after payment processing information stored in a predetermined storage medium 130, if one of ordinary skill in the art to which the present invention belongs 4, and / or modified with reference to FIG. Would be able to infer the various exemplary method of the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 4.

Hereinafter, in FIG. 4, the window terminal shown in FIG. 1 will be referred to as a "terminal" for convenience, and the financial company server 100 shown in FIG. 1 will be referred to as a "server" for convenience, and the financial company server ( The medical institution information and the medical insurance claim information transmitted to 100 are referred to as "medical insurance prepayment post settlement processing information" for convenience.

Referring to FIG. 4, a predetermined medical institution customer visits the financial institution branch for a medical insurance prepayment post settlement service according to the present invention, and through the window provided at the financial institution branch (or through a teller) After filling in a prescribed application for the prepayment service (for example, a document with a form for filling in at least one item of information for the prepayment service for the medical insurance payment) and submitting the completed application to the clerk, The window terminal shown in FIG. 1 connects a predetermined communication channel for accessing the server through a predetermined financial network to register the medical insurance prepayment post-payment processing information, and the medical service for the medical prepayment post payment service. Request for payment afterwards payment processing information registration (400).

In response to the medical insurance advance payment post-payment processing information registration request, the server generates (or extracts) a terminal screen corresponding to a predetermined information registration interface for registering the medical insurance advance payment after payment processing information (405). The generated (or extracted) terminal screen is transmitted to the terminal and output through the communication channel (410).

According to an embodiment of the present invention, the information registration interface comprises an interface for inputting (or selecting) medical insurance advance payment after payment processing information including at least one of the medical institution information and medical insurance claim information at the terminal. desirable.

In addition, the terminal screen transmission and / or output process is preferably performed at least one or more times in accordance with the medical insurance advance payment post-payment processing information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) medical insurance advance payment post-payment processing information including at least one of medical institution information and medical insurance claim information through the information registration interface (415).

In this case, the medical institution information may be provided to at least one patient who visits the medical institution (eg, medical questionnaire, prescription, treatment, etc.), and the insurance company (eg, National Health Insurance Corporation) of the medical expenses corresponding to the medical service. It is characterized in that it comprises medical and hospital information to claim the medical insurance payment to the insurance company.

According to an embodiment of the present invention, the medical institution information includes medical institution identification information (or medical institution unique code) assigned to the medical institution by the insurance company for the medical insurance claim and payment, the medical institution name, and the ledger of the medical institution. It is preferable to include the person in charge) information, and it is preferable to further include the address and / or business registration number of the medical institution according to the intention of the skilled person.

According to an exemplary embodiment of the present invention, the medical institution information is information (for example, information for processing a financial account of the medical institution name established in the financial institution in the financial institution server 100 as a medical institution account for the medical insurance advance payment after payment service). , Medical institution business registration information (or corporate registration information) and / or medical institution seal information).

According to another exemplary embodiment of the present invention, the medical institution information includes information for opening a financial account in the name of the medical institution for the medical insurance advance payment after payment service (for example, medical institution business registration information (or Corporate registration information) and / or medical institution seal information).

According to another exemplary embodiment of the present invention, the medical institution information is information for establishing a virtual account of the medical institution name for the medical insurance advance payment after payment service at the financial institution server 100 (for example, medical institution business registration information ( Or corporate registration information).

In addition, the medical insurance claim information, after providing the medical service to the at least one patient in the medical institution, claiming the medical insurance payment to be paid by the insurance company (for example, the National Health Insurance Corporation) of the treatment costs corresponding to the medical service Characterized in that it comprises information for.

According to the embodiment of the present invention, the medical insurance claim information is preferably made by the medical institution including a medical insurance claim number (or code) that must be provided to the insurance company for the medical insurance claim corresponding to the medical service.

If the terminal receives (or selects) medical insurance advance payment settlement information including the medical institution information and medical insurance claim information through the information registration interface (420), the terminal inputs the information through the financial transaction channel. The medical institution information and the medical insurance claim information are transmitted to the server (425).

Thereafter, the server receives and reads the medical institution information and the medical insurance claim information through the financial transaction channel, thereby confirming the validity of the medical insurance advance payment post-payment processing information (430).

According to the method of the present invention, receiving and reading the medical insurance prepayment post-payment processing information and checking the validity includes checking whether a typo exists in the medical institution information and the medical insurance claim information received from the terminal. Is done.

If the validity of the medical insurance deposit prepayment processing information is not verified (435), the server generates a terminal screen including predetermined information registration error information and transmits the terminal screen to the terminal (440). The information registration procedure corresponding to the post-payment processing information is not performed.

On the other hand, if the validity of the medical insurance advance payment after settlement processing information is authenticated (435), the server performs the information registration procedure corresponding to the medical insurance advance payment after payment processing information, thereby linking the medical institution information and medical insurance claim information The process is stored in a predetermined storage medium 130 (445).

Thereafter, the server generates predetermined medical institution account opening information for the medical insurance advance payment after payment service with reference to the medical institution information included in the medical insurance advance payment after payment processing information (x50).

According to an embodiment of the present invention, if a financial account corresponding to the medical institution information is already established in the financial system, the generated medical institution account information may include a financial account corresponding to the medical institution information. It is preferable to include information to be processed in the medical institution account for providing.

According to another exemplary embodiment of the present invention, when a financial account corresponding to the medical institution information is not established in the financial system, the generated medical institution account information opens a financial account under the medical institution name based on the medical institution information. Preferably, the opened financial account includes information for processing the medical institution account for providing the medical insurance advance payment after payment.

According to another exemplary embodiment of the present invention, when no financial account corresponding to the medical institution information is opened in the financial system, but a real financial account corresponding to the medical institution information cannot be opened, the generated medical institution account information is In order to provide the post-payment service of the medical insurance premiums, a virtual account of the name of the medical institution may be opened based on the medical institution information.

Here, the generated medical institution account information may be established by cooperatively processing the virtual account of the medical institution name with the financial institution mother account, or by cooperatively processing the insurance company mother account, or paying the medical insurance money according to an implementation method. If the institution exists, it is preferable to include information that is personalized by processing in conjunction with the mother account of the medical insurance payment agency.

Subsequently, the server opens a medical institution account for processing the medical insurance advance payment after payment for providing the medical insurance advance payment after payment on the financial system through the medical institution account opening information in association with the financial system (x55).

According to an embodiment of the present invention, when a financial account corresponding to the medical institution information is already opened in the financial system, the medical institution account for the medical insurance prepayment post-payment processing includes the financial account corresponding to the medical institution information. It is preferable that the treatment is done by a medical institution account for providing post-settlement services.

According to another exemplary embodiment of the present invention, when a financial account corresponding to the medical institution information is not established in the financial system, the medical institution account for the prepayment processing of the medical insurance premium is based on the medical institution information. It is preferable to open an account and process the opened financial account as a medical institution account for providing the medical insurance advance payment after payment.

According to another exemplary embodiment of the present invention, when the financial account corresponding to the medical institution information is not established in the financial system, but a real financial account corresponding to the medical institution information cannot be opened, the medical insurance advance payment is settled in advance. Medical institution account is preferably made to include a virtual account of the medical institution name based on the medical institution information to provide the medical insurance advance payment after payment.

In this case, the virtual account in the name of the medical institution is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the insurance company parent account, or the agency that pays the medical insurance money according to the implementation method If there is, it is possible to open all in the form of a virtual account associated with the mother account of the medical insurance payment agency, thereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the medical institution account for the medical insurance advance payment is settled in the financial system, the server preferably stores the medical institution account information in the storage medium 130 by further linking and storing the medical institution account information. Do.

Thereafter, the server generates a terminal screen including information registration and account opening history information and transmits the terminal screen to the terminal (460), thereby completing the procedure of registering the medical insurance advance payment after payment information requested from the terminal.

5 is a diagram illustrating an information registration and account opening system for a medical insurance prepayment post settlement service according to another embodiment of the present invention.

In more detail, Figure 5 is a medical institution payment processing system for a predetermined medical institution customer through the information registration interface including at least one or more non-face-to-face channel medical institution information and medical insurance claims for the medical insurance prepayment after payment service according to the present invention If the information is provided, the medical insurance settlement processing system stores the provided medical institution information and medical insurance claim information in a predetermined storage medium 230 in a linked process, and then stores the medical institution information and medical insurance claim information in a predetermined financial system. This is a system configuration for opening a medical institution account for medical insurance prepayment and post payment service based on the present invention. Those skilled in the art to which the present invention pertains can refer to and / or modify the medical insurance prepayment by referring to FIG. Registration of information and account opening for post settlement services Would be able to infer a variety of exemplary methods for the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 5.

Hereinafter, at least one means for storing the medical institution information and medical insurance claim information provided from the medical institution customer through the predetermined information registration interface on the information registration and account opening system shown in FIG. 5 on the storage medium 230. And / or components corresponding to the functional configuration are referred to as "financial company server 200" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, an information registration and account opening system for a medical insurance advance payment after payment service according to the present invention includes at least one wired terminal and / or wireless terminal used by the medical institution customer. And an information registration terminal 235 including at least one or more client terminals, etc., wherein the information registration terminal 235 is provided on the medical insurance settlement processing system through a predetermined network means. The communication company server 200 and the communication channel is connected.

According to an embodiment of the present invention, the medical institution customer accesses the financial institution server 200 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When the medical institution information and the medical insurance claim information for the medical insurance prepayment settlement service according to the present invention are input (or selected) through at least one user interface provided by the financial institution server 200, a predetermined network is provided at the client terminal. It is preferable to transmit to the financial company server 200 provided on the medical insurance settlement processing system through the 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 at least one kiosk (KIOSK) connected to the TCP / IP-based communication network 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 financial institution server 200 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 200 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / Mobitex depending on the type of wireless network connected to the client terminal It is preferable that any one of the base wireless data communication networks and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 200, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 200. 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 financial institution server 200, 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 above information registration and account opening system, a client terminal including at least one wired terminal and / or a wireless terminal used by the medical institution customer, and at least one or more connecting the client terminal and the financial company server 200. The wired network and / or the wireless network perform a function of an information registration interface for the medical institution customer to register medical institution information and medical insurance claim information for the medical insurance advance payment after payment service according to the present invention.

According to another embodiment of the present invention, the information registration terminal 235, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the above information registration and account opening system, when the information registration terminal 235 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the The financial network connecting the financial institution server 200 performs a function of an information registration interface for registering the medical institution information and medical insurance claim information for the medical institution customer for the medical insurance advance payment after payment service according to the present invention, and / or When the information registration terminal 235 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 200. Information for registering the medical institution information and medical insurance claim information for the medical institution customers after the medical insurance advance payment after payment according to the invention The terminal (and / or server) (not shown) that performs a function of a lock interface and / or is provided to an institution affiliated with the financial institution that is the information registration terminal 235 (not shown). (Not shown) and the network connecting the terminal (and / or server) (not shown) to the financial institution server 200 are provided by the medical institution customer for medical institution information and medical treatment for the medical insurance prepayment post payment service according to the present invention. Performs the function of an information registration interface for registering insurance claim information.

The storage medium 230 provided on the medical insurance settlement processing system according to the present invention is characterized in that the medical institution information and the medical insurance claim information provided from the information registration terminal 235 is stored in a linked process.

In this case, the medical institution information may be provided to at least one patient who visits the medical institution, for example, to provide medical services (eg, a medical examination, prescription, treatment, etc.), and an insurance company (eg, the National Health Insurance Corporation) of the medical expenses corresponding to the medical services. C) medical / hospital information billed to the insurer.

According to an embodiment of the present invention, the medical institution information includes medical institution identification information (or medical institution unique code) assigned to the medical institution by the insurance company for the medical insurance claim and payment, the medical institution name, and the ledger of the medical institution. It is preferable to include the person in charge) information, and it is preferable to further include the address and / or business registration number of the medical institution according to the intention of the skilled person.

According to an embodiment of the present invention, the medical institution information is information (for example, information for processing the financial account of the name of the medical institution opened in the financial institution in the financial institution server 200 to the medical institution account for the medical insurance advance payment after payment service) , Medical institution business registration information (or corporate registration information) and / or medical institution seal information).

According to another exemplary embodiment of the present invention, the medical institution information includes information for opening a financial account in the name of the medical institution for the medical insurance advance payment after payment service (for example, medical institution business registration information (or Corporate registration information) and / or medical institution seal information, etc.).

According to another exemplary embodiment of the present invention, the medical institution information is information (for example, medical institution business registration information) for opening a virtual account of the medical institution name for the medical insurance advance payment after payment service at the financial institution server 200. Or corporate registration information).

In addition, the medical insurance claim information, after providing the medical service to the at least one patient in the medical institution, claiming the medical insurance payment to be paid by the insurance company (for example, the National Health Insurance Corporation) of the treatment costs corresponding to the medical service Characterized in that it comprises information for.

According to the embodiment of the present invention, the medical insurance claim information is preferably made by the medical institution including a medical insurance claim number (or code) that must be provided to the insurance company for the medical insurance claim corresponding to the medical service.

According to one embodiment of the present invention, the storage medium 230 is preferably provided in a DBMS on a financial system provided on the medical insurance settlement processing system (or linked with the medical insurance settlement processing system), At this time, the storage medium 230 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 230 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the medical insurance settlement processing system, And / or [DBMS] on at least one banking system of the TV banking system, whereby the present invention is not limited.

The financial institution server 200 provided on the medical insurance settlement processing system according to the present invention is a generic term for the medical insurance settlement processing system side components connected to the information registration terminal 235 through a predetermined network means. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal 235 is a financial automation device (not shown) connected to a predetermined financial network, the financial institution server 200 may be configured to execute the financial automation device through a predetermined financial network. It may be a ledger server provided on the financial system connected to (not shown), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when the information registration terminal 235 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 200 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external world on the financial system, whereby the present invention It shall not be limited.

According to another embodiment of the present invention, when the information registration terminal 235 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 200 is the wireless banking Any server (or device) that is a predetermined wireless banking server provided on the system, and / or a program provided in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal 235 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial company server 200 is the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on and / or a program provided in the telebanking server, and / or an external system of the financial system through the telebanking system A predetermined server (or device) accessible to the program, a program included in the server (or device), and / or on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited. You are good.

According to another exemplary embodiment of the present invention, when the information registration terminal 235 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 200 is the TV. A predetermined TV banking server provided on a banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the financial company server 200 is characterized in that it comprises an interface unit 205 for connecting and managing a predetermined communication channel with the information registration terminal 235 through the network means. .

According to an embodiment of the present invention, when the information registration terminal 235 is a financial automation device (not shown) connected to a predetermined financial network, the interface unit 205 is based on a protocol stack defined in the financial network. Connect a predetermined communication channel with the automated teller machine (not shown), and transmit and receive at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine (not shown). It would be desirable to provide a communication interface for the present invention.

According to another embodiment of the present invention, when the information registration terminal 235 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 205 ) 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 using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 205 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 communication program (eg, an internet banking program) provided by the financial institution server 200, the interface unit 205 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 235 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 205 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 205 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. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 200, the interface unit 205 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 235 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 205 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 205 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 235 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 205 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 5, when the financial institution server 200 accesses the financial institution server 200 through the interface unit 205, the financial institution server 200 interworks with the interface unit 205. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined medical institution information and medical insurance claim information from the information registration terminal 235 to the information registration terminal 235. 210 and an information receiving unit receiving predetermined medical institution information and medical insurance claim information inputted (or selected) and transmitted from the information registration terminal 235 through the user interface in cooperation with the interface unit 205 ( 215 and an information storage unit 220 for storing the received medical institution information and the medical insurance claim information in association with the storage medium 230. It features.

The interface providing unit 210 corresponds to the functional configuration provided in the information registration terminal 235 when a predetermined information registration terminal 235 is connected to the financial institution server 200 through the interface unit 205. Generate a predetermined user interface capable of inputting (or selecting) the medical institution information and the medical insurance claim information to the financial institution server 200 via the network means, and / or extracting from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 205 may be provided to the information registration terminal 235 through the network means.

Thereafter, the information registration terminal 235 inputs (or selects) the medical institution information and the medical insurance claim information based on the user interface, and transmits the input (or the selected) medical institution information and the medical insurance claim information to the network means. Through the financial company server 200 through the transmission.

In this case, the medical institution information may be provided to at least one patient who visits the medical institution (eg, medical questionnaire, prescription, treatment, etc.), and the insurance company (eg, National Health Insurance Corporation) of the medical expenses corresponding to the medical service. It is characterized in that it comprises medical and hospital information to claim the medical insurance payment to the insurance company.

According to an embodiment of the present invention, the medical institution information includes medical institution identification information (or medical institution unique code) assigned to the medical institution by the insurance company for the medical insurance claim and payment, the medical institution name, and the ledger of the medical institution. It is preferable to include the person in charge) information, and it is preferable to further include the address and / or business registration number of the medical institution according to the intention of the skilled person.

According to an embodiment of the present invention, the medical institution information includes information for processing the financial account of the name of the medical institution opened in the financial institution in the financial institution server 200 to the medical institution account for the medical insurance prepayment after payment service ( For example, the medical institution business registration information (or corporate registration information) and / or medical institution seal information, etc. may be further included.

According to another exemplary embodiment of the present invention, the medical institution information includes information for opening a financial account in the name of the medical institution for the medical insurance advance payment after payment service (for example, medical institution business registration information (or Corporate registration information) and / or medical institution seal information).

According to another exemplary embodiment of the present invention, the medical institution information is information (for example, medical institution business registration information) for opening a virtual account of the medical institution name for the medical insurance advance payment after payment service at the financial institution server 200. Or corporate registration information).

In addition, the medical insurance claim information, after providing the medical service to the at least one patient in the medical institution, claiming the medical insurance payment to be paid by the insurance company (for example, the National Health Insurance Corporation) of the treatment costs corresponding to the medical service Characterized in that it comprises information for.

According to the embodiment of the present invention, the medical insurance claim information is preferably made by the medical institution including a medical insurance claim number (or code) that must be provided to the insurance company for the medical insurance claim corresponding to the medical service.

According to an embodiment of the present invention, when the information registration terminal 235 is a financial automation device (not shown) connected to a predetermined financial network, the interface providing unit 210 may be configured to the financial automation device (not shown). Generate (or extract) a predetermined user interface that can be provided by the provided financial transaction-related program, and provide the generated (or extracted) user interface to the automated teller machine (not shown) through the interface unit 205. It is preferable.

According to another embodiment of the present invention, when the information registration terminal 235 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 providing unit 210 ) 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 205. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the information registration terminal 235 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 210 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 205.

According to another exemplary embodiment of the present invention, when the information registration terminal 235 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 210 displays the call terminal (shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 205 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 235 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 210 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 205. .

When the information registration terminal 235 inputs (or selects) predetermined medical institution information and medical insurance claim information through the user interface and transmits the information through the network means, the information receiving unit 215 is the interface unit 205. And receiving the medical institution information and the medical insurance claim information in conjunction with the medical institution, and providing the received medical institution information and the medical insurance claim information to the information storage unit 220.

The information storage unit 220 stores the information on the storage medium 230 by linking the medical institution information and the medical insurance claim information received through the information receiving unit 215, and the storage medium 230. Is provided in the financial institution server 200 or on the network associated with the financial institution server 200, the information storage unit 220 stores the received medical institution information and the medical insurance claim information in the storage medium ( It is preferable to store in association with 230, and when the storage medium 230 is provided in a DBMS provided on the financial system, the information storage unit 220 stores the received medical institution information and medical insurance claim information. It is desirable to provide and store the information system through the external system on the financial system.

A financial institution providing a medical insurance advance payment after payment service according to the present invention may be provided with at least one financial transaction for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction medical institution customer. And a system.

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 client.

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 medical institution 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 financial institution medical institution customer through a laptop and / or portable 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) Non-face-to-face financial transaction services to at least one financial transaction provider through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

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 institution through 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 smart phones, etc.) to provide non-face-to-face financial transaction services to at least one financial transaction provider.

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 client.

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 provider.

The financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial transaction medical institution client and provide at least one financial transaction service based on the financial account, and at least one branch office. At least one of the accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at (or at a window), an information system for processing a headquarters business, a branch office information support, and a medical institution customer information management; Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, tele Banking, TV banking, etc.) access to the financial system, 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 (eg, ledger information, and / or medical institution customer information, and / or information required for each function in a component in the financial system). And a database management system (DBMS) including at least one database for storing and managing management 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.

Referring to FIG. 5 according to an embodiment of the present invention, the external system on the financial system is provided with an insurance processing unit for providing a medical insurance advance payment after payment service in connection with the financial company server 200.

In addition, the DBMS provided in the financial system is at least one for the financial institution to open at least one financial account to at least one financial transaction medical institution customer, and provide at least one financial transaction service based on the financial account And a ledger D / B for storing the ledger, wherein the ledger D / B includes at least one ledger information for processing at least one financial transaction to be provided to the financial transaction medical institution customer by the financial institution. For example, a medical institution customer ledger, a reception ledger, a mortgage 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) are relational. 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.

According to the present invention, the financial system post-settlement processing for the medical insurance deposit prepayment in which a predetermined amount to be prepaid to a predetermined medical institution account (or a virtual account in the name of the medical institution) is deposited to provide a medical insurance prepayment post settlement service according to the present invention. Characterized in that the mother account is opened, the mother account for the post-payment processing of the medical insurance benefit deposit is a mother account for the post-payment processing of medical insurance money deposit in the name of the financial institution, or a mother account for the post-payment processing of medical insurance money deposit in the name of the insurance company, or If there is an institution that pays for the medical insurance according to the implementation method, it characterized in that it comprises at least one or more mother accounts for the medical insurance prepayment payment settlement of the medical insurance payment agency.

Referring to FIG. 5, when the financial institution server 200 associates and stores the medical institution information and the medical insurance claim information in the storage medium 230 through the information storage unit 220, through the predetermined interface means. And an account opening unit 225 for opening a medical institution account for providing the medical insurance advance payment after payment service according to the present invention based on the medical institution information and the medical insurance claim information in connection with a predetermined financial system. do.

According to an embodiment of the present invention, when a financial account corresponding to the medical institution information is previously opened in the financial system, the account opening unit 225 may settle the financial account corresponding to the medical institution information after the medical insurance prepayment service. Characterized in that the treatment to the medical institution account to provide.

If one of ordinary skill in the art to which the present invention belongs, with reference to this figure 5 the medical institution account based on the financial account related ledger information stored in the ledger D / B provided in the DBMS on the financial system Since it may be possible to infer a method of processing a medical institution account for providing a prepayment service, a detailed description thereof will be omitted for convenience.

According to another exemplary embodiment of the present invention, when the financial account corresponding to the medical institution information is not established in the financial system, the account opening unit 225 opens a financial account under the medical institution name based on the medical institution information. And, the opened financial account is characterized in that it is processed into a medical institution account for providing the medical insurance advance payment after payment service.

If one of ordinary skill in the art to which the present invention belongs, at least one or more financial account-related ledger information is recorded in the ledger D / B provided in the DBMS on the financial system based on the medical institution information with reference to this figure 5 By doing so, it will be possible to infer a method of opening a financial account under the name of the medical institution for providing the financial account prepayment service of the medical insurance deposit, so a detailed description thereof will be omitted for convenience.

According to another embodiment of the present invention, when the financial account corresponding to the medical institution information is not established in the financial system, but the real financial account corresponding to the medical institution information cannot be opened, the account opening unit 225 In order to provide the post-payment service of the medical insurance deposit, the medical institution may open a virtual account under the name of the medical institution based on the information.

In this case, the virtual account in the name of the medical institution is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the insurance company parent account, or the agency that pays the medical insurance money according to the implementation method If there is, it is possible to open all in the form of a virtual account associated with the mother account of the medical insurance payment agency, thereby the present invention is not limited.

FIG. 6 is a diagram illustrating the structure of ledger information for a medical insurance prepayment post settlement service according to another embodiment of the present invention.

In more detail, Figure 6 processes the financial account of the name of the medical institution provided on the financial system through the information registration and account opening system shown in Figure 5 as a medical institution account for the medical insurance prepayment after payment service, or In the case where a medical institution account for the medical insurance advance payment after payment service is opened on the financial system, a method of implementing ledger information for processing the medical insurance advance payment after payment is shown, and in the technical field to which the present invention pertains. Those skilled in the art can refer to and / or modify this drawing 6 to infer various implementation methods for the composition of the ledger information for the post-settlement of the medical insurance deposit in the ledger D / B. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. You are good.

Referring to Figure 6 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (e.g., loan ledger, mortgage ledger, .. etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is, and because you will be familiar with the specific technical matters, detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 6, the account ledger corresponding to the medical institution account in the general ledger D / B is for the medical institution information and medical insurance registered through the information registration and account opening system shown in FIG. Medical insurance information including billing information is stored in the form of additional information added to the account ledger.

In this case, the medical institution information may be provided to at least one patient who visits the medical institution (eg, medical questionnaire, prescription, treatment, etc.), and the insurance company (eg, National Health Insurance Corporation) of the medical expenses corresponding to the medical service. It is preferable to include medical institution identification information (or a medical institution unique code) assigned to the medical institution by the insurer in order to identify (or confirm) the clinic / hospital billed to the insurer for the medical insurance to be paid.

In addition, the medical insurance claim information, after providing the medical service to the at least one patient in the medical institution, claiming the medical insurance payment to be paid by the insurance company (for example, the National Health Insurance Corporation) of the treatment costs corresponding to the medical service It is preferable to include a medical insurance claim number (or code) to be provided to the insurance company.

According to another exemplary embodiment of the present invention, the medical institution information and the medical insurance claim information are stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Can be stored in the form of additional information added to the) and / or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and the present invention is not limited thereto.

7A, 7B, and 7C are diagrams illustrating a virtual account structure for a medical insurance prepayment post settlement service according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A, 7B, and 7C are provided to provide the post-payment service for medical insurance prepayment based on medical institution information and medical insurance claim information registered through the information registration and account opening system shown in FIG. Specifically, FIG. 7a illustrates a virtual account structure for processing a medical insurance deposit prepayment after settlement in the name of a medical institution provided in the financial system in connection with the financial institution mother account. FIG. 7B illustrates that the virtual account for the post-payment processing of the medical insurance premium is established in connection with a predetermined mother's account for the payment of the medical insurance payment, and FIG. 7C shows the virtual account for the post-payment processing of the medical insurance payment. It is shown to be opened in connection with the parent account.

Those skilled in the art to which the present invention pertains, a medical institution provided in the financial system to provide the medical insurance prepayment post-payment service by referring to and / or modifying the drawings 7a, 7b and 7c. Various implementation methods may be inferred for the virtual account structure for the post-payment processing of medical insurance payment in advance. However, the present invention includes all of the inferred implementation methods, and is shown in FIGS. 7A, 7B, and 7C. It is not limited to the method.

Referring to FIG. 7A, the ledger D / B on the financial system includes a predetermined financial institution mother account and a virtual account of at least one medical institution name linked to the mother account for post-settlement of the medical insurance premium.

Here, the financial institution mother account is a real account opened in the financial institution for the post-payment processing of the medical insurance premiums, the financial institution to claim the medical insurance money corresponding to at least one medical institution from the insurance company, the insurance company from the When the medical insurance payment approval information is received in accordance with the medical insurance claim, medical treatment in the name of the financial institution in which a predetermined amount is deposited to withdraw the amount corresponding to the medical insurance payment approval information and deposit the amount corresponding to the medical insurance payment approval information into the virtual account under the medical institution name. It is characterized in that it comprises a maternity account for post-payment processing of insurance claims.

According to one embodiment of the present invention, the financial institution mother account is characterized in that it is processed in connection with a virtual account of at least one or more medical institution names for the post-payment of the medical insurance payment deposit, at least from the financial institution to the insurance company periodically When the medical insurance claim corresponding to one or more medical institutions is received and predetermined medical insurance payment approval information corresponding to the medical insurance claim is received from the insurance company, the financial institution pays the medical insurance premium among the amounts deposited in the financial institution mother account. The amount corresponding to the approval information is automatically transferred to the virtual account in the name of the medical institution.

According to another exemplary embodiment of the present invention, the financial institution mother account is processed in association with a virtual account of at least one or more medical institution names for the post-settlement of the medical insurance payment deposit, and the insurance company from the medical institution to the financial institution. Requests a prepayment for a medical insurance premium to be paid to the medical institution, the financial institution requests the medical insurance premium corresponding to the medical institution from the financial institution in response to the medical insurance advance payment request, When the corresponding predetermined medical insurance payment approval information is received, the financial institution collateralizes the amount corresponding to the medical insurance payment approval information among the amount deposited in the financial institution mother account to the virtual account under the name of the medical institution.

Referring to FIG. 7B, the ledger D / B on the financial system includes a predetermined medical insurance payment institution mother account and a virtual account of at least one medical institution name linked to the mother account for post-settlement of the medical insurance benefit. It is done by

Here, the mother's account of the medical insurance payment agency is a real account opened in the financial institution for the post-payment processing of the medical insurance premium, claiming a medical insurance money corresponding to at least one medical institution from the financial institution to the insurer, When the medical insurance payment approval information is received from the insurer according to the medical insurance claim, the financial institution that withdraws the amount corresponding to the medical insurance payment approval information and deposits a predetermined amount to deposit into the virtual account under the name of the medical institution. It is characterized in that it comprises a mother account for the post-payment processing of medical insurance payment deposit in the name.

According to one embodiment of the invention, the medical insurance payment agency institutional account is characterized in that it is processed in association with a virtual account of at least one or more medical institution name for the post-payment of the medical insurance premium payment, the financial institution periodically When an insurance company bills a medical insurance claim corresponding to at least one medical institution, and the predetermined insurance premium payment approval information corresponding to the medical insurance claim is received from the insurance company, the financial institution is deposited in the mother's account of the medical insurance payment agency. The amount corresponding to the medical insurance payment payment information of the amount is automatically transferred to the virtual account under the name of the medical institution.

According to another exemplary embodiment of the present invention, the medical insurance payment agency mother account is linked with a virtual account of at least one medical institution name for the post-payment of the medical insurance payment deposit, and the financial institution in the financial institution When the insurance company requests advance payment for medical insurance payments to be paid to the medical institution, the financial institution claims the medical insurance money corresponding to the medical institution from the financial institution in response to the medical insurance advance payment request, When the predetermined medical insurance payment approval information corresponding to the medical insurance claim is received, the financial institution transfers the amount corresponding to the medical insurance payment approval information among the amounts deposited in the medical insurance payment agency mother account, to the virtual account under the name of the medical institution. Loan processing by The.

Referring to FIG. 7C, the ledger D / B on the financial system includes a predetermined insurance company mother account and a virtual account of at least one medical institution name that is linked to the mother account for post-settlement of the medical insurance benefit.

Here, the insurer's mother account is a real account opened in the financial institution for the post-payment of the medical insurance prepayment, and the medical institution bills the insurer for the at least one medical institution corresponding to the at least one medical institution, and the medical company from the insurer When the medical insurance payment approval information is received in accordance with the insurance claim, the medical insurance money in the name of the financial institution in which a predetermined amount for depositing an amount corresponding to the medical insurance payment approval information and depositing it into a virtual account under the medical institution name is deposited. It is characterized in that it comprises a mother account for prepayment after-payment.

According to an exemplary embodiment of the present invention, the insurer's mother account is processed in association with a virtual account of at least one or more medical institution names for the post-settlement of the medical insurance payment deposit, and at least one of the insurers periodically as the insurer. When the medical insurance claim corresponding to the above medical institution is claimed, and the predetermined medical insurance payment approval information corresponding to the medical insurance claim is received from the insurance company, the financial institution receives the medical insurance payment approval information among the amounts deposited in the insurance company's mother account. Automatically transfer the amount corresponding to the virtual account in the name of the medical institution.

According to another exemplary embodiment of the present invention, the insurance company parent account is processed in association with a virtual account of at least one or more medical institution names for the post-payment of the medical insurance payment deposit, and the insurance company is the financial institution in the insurance company. When a request is made for a medical insurance premium to be paid to the medical institution, the financial institution requests the medical insurance money corresponding to the medical institution from the financial institution to the insurance company in response to the medical insurance advance payment request, and responds to the medical insurance claim from the insurance company. When the predetermined medical insurance payment approval information is received, the financial institution collateralizes the amount corresponding to the medical insurance payment approval information among the amounts deposited in the insurance company's account to the virtual account under the name of the medical institution.

8 is a diagram illustrating a process of registering web-based medical insurance advance payment post-payment processing information according to an embodiment of the present invention.

In more detail, in FIG. 8, when the financial institution server 200 on the information registration and account opening system shown in FIG. 5 has a web server function, the client terminal accesses the financial institution server 200. After connecting the communication channel for information registration according to the invention, and transmits the medical insurance prepayment post-payment processing information including the medical institution information and medical insurance claim information to the financial institution server 200 through the communication channel, The financial company server 200 is an embodiment of the method for linking and processing the received medical insurance prepayment after payment processing information stored in a predetermined storage medium 230, if one of ordinary skill in the art 8 and / or modification of the medical insurance prepayment from the client terminal to the financial company server 200 with reference to FIG. 8. Would be able to infer the various exemplary method for registering the information, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the client terminal illustrated in FIG. 5 is referred to as a “terminal” for convenience, and the financial institution server 200 illustrated in FIG. 5 is referred to as a “server” for convenience, and the financial institution server ( The medical institution information and the medical insurance claim information transmitted to 200 are referred to as "medical insurance prepayment post-payment processing information" for convenience.

Referring to Figure 8, the client terminal shown in Figure 5 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc. to register the medical insurance prepayment post-payment processing information, and for the medical insurance prepayment post payment service. When requesting registration of the medical insurance advance payment after payment processing information (800), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the medical insurance advance payment after payment processing information (805), The generated (or extracted) web page is transmitted to the terminal and output through the communication channel (810).

According to an embodiment of the present invention, the information registration interface comprises an interface for inputting (or selecting) medical insurance advance payment after payment processing information including at least one of the medical institution information and medical insurance claim information at the terminal. desirable.

In addition, the web page transmission and / or output process is preferably performed at least one or more times in accordance with the medical insurance advance payment post-payment processing information registration procedure, by which the present invention is not limited.

Thereafter, the terminal inputs (or selects) medical insurance advance payment post-payment processing information including at least one of medical institution information and medical insurance claim information through the information registration interface (815).

In this case, the medical institution information may be provided to at least one patient who visits the medical institution (eg, medical questionnaire, prescription, treatment, etc.), and the insurance company (eg, National Health Insurance Corporation) of the medical expenses corresponding to the medical service. It is characterized in that it comprises medical and hospital information to claim the medical insurance payment to the insurance company.

According to an embodiment of the present invention, the medical institution information includes medical institution identification information (or medical institution unique code) assigned to the medical institution by the insurance company for the medical insurance claim and payment, the medical institution name, and the ledger of the medical institution. It is preferable to include the person in charge) information, and it is preferable to further include the address and / or business registration number of the medical institution according to the intention of the skilled person.

According to an exemplary embodiment of the present invention, the medical institution information includes information for processing a financial account of the medical institution name opened in the financial institution at the financial institution server 200 as a medical institution account for the medical insurance advance payment after payment service ( For example, the medical institution business registration information (or corporate registration information) and / or medical institution seal information, etc. may be further included.

According to another exemplary embodiment of the present invention, the medical institution information includes information for opening a financial account in the name of the medical institution for the medical insurance advance payment after payment service (for example, medical institution business registration information (or Corporate registration information) and / or medical institution seal information).

According to another exemplary embodiment of the present invention, the medical institution information is information (for example, medical institution business registration information) for opening a virtual account of the medical institution name for the medical insurance advance payment after payment service at the financial institution server 200. Or corporate registration information).

In addition, the medical insurance claim information, after providing the medical service to the at least one patient in the medical institution, claiming the medical insurance payment to be paid by the insurance company (for example, the National Health Insurance Corporation) of the treatment costs corresponding to the medical service Characterized in that it comprises information for.

According to the embodiment of the present invention, the medical insurance claim information is preferably made by the medical institution including a medical insurance claim number (or code) that must be provided to the insurance company for the medical insurance claim corresponding to the medical service.

If the terminal receives (or selects) medical insurance advance payment settlement information including the medical institution information and medical insurance claim information through the information registration interface (820), the terminal inputs the information through the financial transaction channel. In operation 825, the selected medical institution information and the medical insurance claim information are transmitted to the server.

According to the embodiment of the present invention, the transmitting of the medical institution information and the medical insurance claim information input (or selected) through the financial transaction channel to the server, the medical institution information input (or selected) through the information registration interface And transmitting the medical insurance claim information to the server by digitally signing and / or encrypting it through a security module provided in the terminal.

Thereafter, the server receives and reads the medical institution information and the medical insurance claim information through the financial transaction channel, thereby confirming the validity of the medical insurance advance payment post-payment processing information (830).

According to an embodiment of the present invention, receiving and reading the medical insurance benefit payment after payment processing information through the financial transaction channel and confirming the validity may decode the medical institution information and the medical insurance claim information received from the terminal; Alternatively, the method may further include checking an electronic signature attached to the medical institution information and the medical insurance claim information.

If the validity of the medical insurance prepayment post-payment processing information is not authenticated (835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (840), and the medical insurance prepayment The information registration procedure corresponding to the post-payment processing information is not performed.

On the other hand, if the validity of the medical insurance prepayment post-payment processing information is authenticated (835), the server performs an information registration procedure corresponding to the medical insurance prepayment post-payment processing information, thereby linking the medical institution information and the medical insurance claim information. The process is stored in a predetermined storage medium 230 (845).

Thereafter, the server generates predetermined medical institution account opening information for the medical insurance advance payment after payment service with reference to the medical institution information included in the medical insurance advance payment after payment processing information (x50).

According to an embodiment of the present invention, if a financial account corresponding to the medical institution information is already established in the financial system, the generated medical institution account information may include a financial account corresponding to the medical institution information. It is preferable to include information to be processed in the medical institution account for providing.

According to another exemplary embodiment of the present invention, when a financial account corresponding to the medical institution information is not established in the financial system, the generated medical institution account information opens a financial account under the medical institution name based on the medical institution information. Preferably, the opened financial account includes information for processing the medical institution account for providing the medical insurance advance payment after payment.

According to another exemplary embodiment of the present invention, when no financial account corresponding to the medical institution information is opened in the financial system, but a real financial account corresponding to the medical institution information cannot be opened, the generated medical institution account information is In order to provide the post-payment service of the medical insurance premiums, a virtual account of the name of the medical institution may be opened based on the medical institution information.

Here, the generated medical institution account information may be established by cooperatively processing a virtual account of the medical institution name with the financial institution mother account, or opened by cooperatively processing the insurance company mother account or paying the medical insurance money according to an implementation method. If the institution exists, it is preferable to include information that is personalized by processing in conjunction with the mother account of the medical insurance payment agency.

Subsequently, the server opens a medical institution account for processing the medical insurance advance payment after payment for providing the medical insurance advance payment after payment on the financial system through the medical institution account opening information in association with the financial system (x55).

According to an embodiment of the present invention, when a financial account corresponding to the medical institution information is already opened in the financial system, the medical institution account for the medical insurance prepayment post-payment processing includes the financial account corresponding to the medical institution information. It is preferable that the treatment is done by a medical institution account for providing post-settlement services.

According to another exemplary embodiment of the present invention, when a financial account corresponding to the medical institution information is not established in the financial system, the medical institution account for the prepayment processing of the medical insurance premium is based on the medical institution information. It is preferable to open an account and process the opened financial account as a medical institution account for providing the medical insurance advance payment after payment.

According to another exemplary embodiment of the present invention, when the financial account corresponding to the medical institution information is not established in the financial system, but a real financial account corresponding to the medical institution information cannot be opened, the medical insurance advance payment is settled in advance. Medical institution account is preferably made to include a virtual account of the medical institution name based on the medical institution information to provide the medical insurance advance payment after payment.

In this case, the virtual account in the name of the medical institution is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the insurance company parent account, or the agency that pays the medical insurance money according to the implementation method If there is, it is possible to open all in the form of a virtual account associated with the mother account of the medical insurance payment agency, thereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the medical institution account for the medical insurance advance payment is settled in the financial system, the server may further store the medical institution account information in the storage medium 230 in association with the medical institution account. Do.

According to an exemplary embodiment of the present invention, when the medical institution account for the medical insurance advance payment is settled in the financial system, the server may further store the medical institution account information in the storage medium 230 in association with the medical institution account. Do.

Thereafter, the server generates a web page including information registration and account opening history information and transmits the generated web page to the terminal (860), thereby completing the procedure of registering the medical insurance advance payment post-payment processing information requested from the terminal.

9 is a diagram illustrating a financial transaction channel connection process for registering medical insurance prepayment post-payment processing information through Internet banking according to an embodiment of the present invention.

In more detail, in FIG. 9, when the information registration and account opening system shown in FIG. 5 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal receives the predetermined medical insurance prepayment post-payment processing information for the post-payment of the medical insurance prepayment according to the present invention. An embodiment of the present invention relates to a method for connecting an internet banking-based financial transaction channel for registering and transmitting to a banking server. Register medical insurance advance payment post-payment settlement information between the terminal and the Internet banking server. Various implementation methods for the method of connecting the Internet banking-based financial transaction channel for the present invention may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

That is, FIG. 9 is based on the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although an implementation method of connecting an internet banking-based financial transaction channel for registering medical insurance prepayment and post-payment processing information between the client terminal and the Internet banking server is illustrated, the present invention may be applied to those skilled in the art. Medical insurance preemption between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registration of post-payment processing information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, The invention is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 9, in addition to the internet banking system, and a telebanking system and / or Other banking systems, such as wireless banking systems and / or TV banking systems, may infer a method of linking a non-face-to-face channel-based financial transaction channel for registration of medical insurance advance payment settlement information. The system and / or wireless banking system and / or TV banking system and / or non-face-to-face channel banking system of the future proposed, including all kinds of non-face-to-channel based financial transactions, the technical configuration of the present invention is shown in Figure 9 It is by no means limited to the case of the illustrated internet banking.

In the following figure, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server is referred to as " server "

Referring to FIG. 9, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900), the server connects a communication channel between the terminal and the server through the browser. In this case, the communication channel is a web page generated (or extracted) by a request of a browser program provided to the client terminal and transmitted to the client terminal, and the browser provided to the client terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server may be configured with the Internet banking program and at least one or more information based on a predetermined communication protocol defined in the internet banking program. Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910).

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or last update date information, and the like. / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be installed and / or updated in the terminal (915), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (920).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (925), or if the terminal does not need to mount and / or update the security module for internet banking (915), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (930), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or an encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding method (and / or decryption algorithm) corresponding to the same method, and from the terminal to the server for registration of medical insurance advance payment post-payment processing information. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the terminal for registering medical insurance prepayment post-payment processing information in the terminal. Attach a predetermined digital signature to the information (or data) to be provided to the server. Or and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or predetermined decryption corresponding to the encryption method (and / or encryption algorithm). Means a communication channel for decoding the information (or data) in a manner (and / or a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945).

If the Internet banking customer authentication fails (950), the server blocks the Internet banking security channel for the terminal (955), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined medical insurance prepayment post-payment processing information for post-payment of medical insurance prepayment according to the present invention from the terminal to the server.

10 is a diagram illustrating a method of registering medical insurance prepayment post-payment processing information through an Internet banking-based financial transaction channel according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates the process illustrated in FIG. 9 when the information registration and account opening system shown in FIG. 5 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the internet banking server and performing a predetermined customer authentication procedure, if an internet banking-based financial transaction channel is connected between the client terminal and the internet banking server, the client terminal is connected to the internet banking-based financial transaction channel. When the predetermined medical insurance prepayment post-payment processing information for the post-payment of the medical insurance prepayment according to the present invention is transmitted to the internet banking server, the Internet banking server performs a predetermined process by linking the received medical insurance prepayment post payment processing information. For a method of storing in the storage medium 230 As those skilled in the art to which the present invention pertains, various payments may be made after payment of various medical insurance prepayments using an internet banking-based financial transaction channel between the client terminal and the internet banking server by referring to and / or modifying the drawing 10. It will be possible to infer a process information registration method, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

That is, FIG. 10 illustrates the Internet banking-based financial transaction channel by accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. In this connection, although an embodiment of the present invention illustrates a method of linking and processing the medical insurance advance payment after payment processing information transmitted from the client terminal through the browser program, the storage medium 230 is generally described in the art. If you have the knowledge of the Internet banking based on the Internet banking-based medical insurance payment prepayment processing information registration method using the browser program shown in Figure 10 and / or modified based on a predetermined Internet banking program mounted on the client terminal The cliche Although it is possible to infer a method of registering information of various forms of internet banking-based medical insurance prepayment and post-payment processing made between a terminal and an internet banking server, the present invention provides an internet banking based medical insurance prepayment provided based on the internet banking program. It includes a post-payment processing information registration method, by which the present invention is not limited.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, refer to and / or modify the Internet banking-based medical insurance payment deposit after-payment processing information registration method shown in FIG. How to register post-payment processing information for face-to-face medical insurance advance payment through a face-to-face channel, or other banking systems such as a telebanking system and / or a wireless banking system and / or a TV banking system. It can be inferred from the non-face-to-face channel-based medical insurance prepayment post-payment processing information registration method, but the present invention is the telebanking system and / or wireless banking system and / or TV banking system and / or the proposed non-face-to-face channel banking in the future Adoption of all types of non-face-to-face, channel-based health care benefits, including It includes a method of registering post-payment processing information, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

In the following figure, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server is referred to as " server "

Referring to FIG. 10, when the internet banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 9, the terminal registers the medical insurance prepayment post payment processing information for the customer-owned account. If the server requests the internet banking-based prepayment post-payment processing information registration to the server through an internet banking-based financial transaction channel (1000), the server corresponds to a predetermined information registration interface for registering the post-payment processing information for the prepaid medical insurance payments. A web page is generated (or extracted) at step 1005, and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1010).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) medical insurance advance payment after payment processing information including at least one of medical institution information and medical insurance claim information at the terminal. And / or a predetermined password (eg, an account password, etc.) to confirm the validity of the Internet banking customer requesting registration of the medical insurance advance payment after payment processing information and / or the medical insurance advance payment after payment processing information. And / or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or one time password (OTP) (e.g., after an internet banking application process (or after an internet banking application)) One-time generated by an OTP authenticator (or OTP certification program) provided to the customer It is preferable to further include an interface for inputting a password).

In addition, the web page transmission and / or output process is preferably performed at least one or more times in accordance with the medical insurance advance payment post-payment processing information registration procedure, whereby the present invention is not limited.

Subsequently, the terminal associates at least one medical insurance prepayment post-payment processing information with the medical institution information included in the medical insurance prepayment post-payment processing information and the medical insurance claim information through the information registration interface, thereby providing a predetermined storage medium 230. In step 1015, the medical insurance payment prepayment registration request information including information registration request information to be stored is input (or selected).

If the terminal receives (or selects) medical insurance advance payment after payment registration request information including the medical insurance advance payment after payment processing information (1020) through the information registration interface, the terminal receives the financial transaction channel. The input (or selection) of the medical insurance payment deposit after payment registration request information is transmitted to the server (1025).

According to the exemplary embodiment of the present invention, the medical insurance payment advance payment registration request information inputted (or selected) through the financial transaction channel is transmitted to the server, which is input (or selected) through the information registration interface. It includes the digital payment and / or encryption through the security module provided in the terminal after the insurance deposit advance payment registration request information is transmitted to the server.

Thereafter, the server receives and reads the medical insurance advance payment after payment registration request information through the financial transaction channel, thereby confirming the validity of the medical insurance advance payment after payment registration request information (1030).

According to the method of the present invention, receiving and reading the medical insurance advance payment after payment registration request information through the financial transaction channel to confirm the validity, decoding the medical insurance advance payment after payment registration request information received from the terminal or And / or confirming the electronic signature attached to the medical insurance benefit prepayment registration request information.

In addition, the verification of the validity of the medical insurance prepayment post-payment registration request information, preferably further comprises the authentication of the password and / or security code and / or OTP included in the medical insurance prepayment post-payment registration request information. Do.

If the validity of the medical insurance advance payment after payment registration request information is not authenticated (1035), the server generates a web page including predetermined medical insurance advance payment after payment processing information registration error information and transmits it to the terminal ( 1040), the procedure for registering the medical insurance advance payment after payment settlement information corresponding to the medical insurance advance payment after request registration information is not performed.

On the other hand, if the validity of the medical insurance prepayment post-payment registration request information is authenticated (1035), the server performs the medical insurance prepayment post-payment processing information registration procedure corresponding to the medical insurance prepayment post-payment registration request information, thereby The medical institution information and the medical insurance claim information included in the medical insurance advance payment post-payment processing information included in the insurance deposit prepayment registration request information are stored in a predetermined storage medium 230 in operation 1045.

Thereafter, the server generates predetermined medical institution account opening information for the medical insurance advance payment after payment service with reference to the medical institution information included in the medical insurance advance payment after payment processing information (950).

According to an embodiment of the present invention, if a financial account corresponding to the medical institution information is already established in the financial system, the generated medical institution account information may include a financial account corresponding to the medical institution information. It is preferable to include information to be processed in the medical institution account for providing.

According to another exemplary embodiment of the present invention, when a financial account corresponding to the medical institution information is not established in the financial system, the generated medical institution account information opens a financial account under the medical institution name based on the medical institution information. Preferably, the opened financial account includes information for processing the medical institution account for providing the medical insurance advance payment after payment.

According to another exemplary embodiment of the present invention, when no financial account corresponding to the medical institution information is opened in the financial system, but a real financial account corresponding to the medical institution information cannot be opened, the generated medical institution account information is In order to provide the post-payment service of the medical insurance premiums, a virtual account of the name of the medical institution may be opened based on the medical institution information.

Here, the generated medical institution account information may be established by cooperatively processing the virtual account of the medical institution name with the financial institution mother account, or by cooperatively processing the insurance company mother account, or by paying the medical insurance money according to an implementation method. If the institution exists, it is preferable to include information that is personalized by processing in conjunction with the mother account of the medical insurance payment agency.

Thereafter, the server establishes a medical institution account for the medical insurance prepayment post-payment processing for providing the medical insurance prepayment post settlement service on the financial system through the medical institution account opening information in association with the financial system (955).

According to an embodiment of the present invention, when a financial account corresponding to the medical institution information is already opened in the financial system, the medical institution account for the medical insurance prepayment post-payment processing includes the financial account corresponding to the medical institution information. It is preferable that the treatment is done by a medical institution account for providing post-settlement services.

According to another exemplary embodiment of the present invention, when a financial account corresponding to the medical institution information is not established in the financial system, the medical institution account for the prepayment processing of the medical insurance premium is based on the medical institution information. It is preferable to open an account and process the opened financial account as a medical institution account for providing the medical insurance advance payment after payment.

According to another exemplary embodiment of the present invention, when the financial account corresponding to the medical institution information is not established in the financial system, but a real financial account corresponding to the medical institution information cannot be opened, the medical insurance advance payment is settled in advance. Medical institution account is preferably made to include a virtual account of the medical institution name based on the medical institution information to provide the medical insurance advance payment after payment.

In this case, the virtual account in the name of the medical institution is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the insurance company parent account, or the agency that pays the medical insurance money according to the implementation method If there is, it is possible to open all in the form of a virtual account associated with the mother account of the medical insurance payment agency, thereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the medical institution account for the medical insurance advance payment is settled in the financial system, the server may further store the medical institution account information in the storage medium 230 in association with the medical institution account. Do.

Thereafter, the server generates a web page including information registration and account opening history information and transmits the generated web page to the terminal (1060), thereby completing the procedure of registering the medical insurance advance payment post-payment processing information requested from the terminal.

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

Similarly, FIG. 11 shows medical institution information, medical insurance claim information, and medical institution account information stored in the storage medium 1140 at a predetermined financial institution through the information registration and account opening system shown in FIGS. 1 and / or 5. The insurance company periodically bills the insurance company to pay to the medical institution based on the insurance company server 1145, and the predetermined insurance premium payment approval information is received from the insurance company server 1145 in response to the medical insurance claim If the amount corresponding to the medical insurance payment approval information is prepaid to the medical institution account, and the amount corresponding to the medical insurance payment approval information is received from the insurer, the amount corresponding to the medical insurance payment approval information is received later. It is about the composition of the medical insurance settlement processing system to settle, Those skilled in the art may refer to and / or modify this drawing 11 to infer various system configurations for the medical insurance settlement processing system configuration for the post-payment of the medical insurance premiums. The present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, the medical insurance settlement processing system configuration for post-payment processing of medical insurance premiums includes medical institution information registered by at least one medical institution through the information registration and account opening system shown in FIGS. 1 and / or 5. And a storage medium 1140 for linking and storing medical insurance claim information and medical institution account information, and a predetermined insurance company based on medical institution information, medical insurance claim information, and medical institution account information stored in the storage medium 1140. The insurance premium payment request information is periodically requested to the insurance company server 1145, and the predetermined medical insurance payment approval information is received from the insurance company server 1145 in response to the medical insurance claim, the medical insurance payment approval information Prepay the amount of money to the medical institution account; If an amount corresponding to the medical insurance payment approval information is received from the examination company, a financial company server 1105 for performing post-settlement of the amount corresponding to the medical insurance payment approval information and the mother account for the medical insurance prepayment payment after payment and the medical institution And a financial system in which a medical institution account in the name of a medical institution corresponding to the information is opened.

Here, when the insurance company server 1145 provides the medical insurance payment request information corresponding to the medical service after providing the medical service to at least one or more patients in at least one or more medical institutions, the medical insurance payment request information is predetermined. It stores and manages in a database, analyzes treatment / prescription information included in the medical insurance payment request information, approves payment of the medical insurance money included in the medical insurance payment request information, and periodically grants the approved medical insurance money. Characterized in that paid to the medical institution.

Those skilled in the art to which the present invention pertains, the insurance server in conjunction with at least one or more medical institutions to approve the medical insurance payment request information and the technical features to pay the medical insurance money to the medical institution. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 11, the financial company server 1105 may request at least one medical claim to be paid to the insurance company server 1145 based on the medical institution information and the medical insurance claim information stored in the storage medium 1140. The information checking unit 1110 confirms the medical institution to be claimed for insurance and the medical institution to which the medical insurance claim is to be confirmed, through the predetermined communication means using the medical institution information and the medical insurance claim information stored in the storage medium 1140. An information requesting unit 1115 for requesting medical insurance payment approval information corresponding to the medical institution (or approved by the insurance company to pay to the medical institution) to the insurance company server 1145, and the insurance company server through the communication means; 1145) (or payment from the insurer to the medical institution) corresponding to the medical insurance payment information request Medical insurance payment approval information receiving unit 1120 for receiving medical insurance payment approval information, and an amount corresponding to the medical insurance payment approval information in connection with the financial system, from the mother account for post-payment processing of medical insurance payment A prepayment processing unit 1125 for withdrawing money and processing a prepayment to a medical institution account corresponding to the medical institution account information stored in the storage medium 1140; and responding to the medical insurance payment approval information from the insurer to the mother account for the post-payment processing of the medical insurance prepayment. If the amount to be deposited is provided, characterized in that it comprises a post-payment processing unit 1130 for processing the post-payment for the amount prepaid to the medical institution account, the medical insurance advance payment history information and / or through a predetermined network means The medical institution terminal (1100) (Or a data transmission means 1135 for transmitting to the medical institution-side data receiving means) is characterized in that it further comprises.

The information checking unit 1110 periodically checks at least one or more medical institution information and medical insurance claim information stored in the storage medium 1140 to the insurance company server 1145 among medical institutions corresponding to the medical institution information. Selecting and / or confirming at least one or more medical insurance subjects to which the medical insurance claim is to be paid.

According to an embodiment of the present invention, the insurance company server 1145 receives at least one or more medical insurance payment request information from at least one medical institution, stores it in a predetermined database, and provides a medical insurance payment corresponding to the medical insurance payment request information. Generate and store predetermined medical insurance payment approval information for approving / denying the information, and storing and managing the medical insurance payment payment information in a predetermined database. The information checking unit 1110 uses the medical insurance payment approval information managed by the insurance company server 1145. It is desirable to identify a medical institution that will claim a predetermined medical insurance claim for which the payment has been approved.

For example, the information checking unit 1110 checks at least one or more medical institution information and medical insurance claim information stored in the storage medium 1140 on a daily, even or odd day, or on a specific day of the week, or on a specific day of each month. Preferably, the medical institution corresponding to the medical institution information selects and / or confirms at least one or more medical insurance claims subject medical institutions to claim a predetermined medical insurance premium for which the medical insurance payment is approved, to the insurance company server 1145.

If at least one or more medical insurance claim medical institutions are selected and / or confirmed to claim a predetermined medical insurance premium for which the medical insurance payment is approved through the verification process, the information checking unit 1110. Extracts (or verifies) at least one or more medical institution information corresponding to the confirmed medical insurance claim target medical institution, medical insurance claim information, and medical institution account information for the post-payment of the medical insurance prepayment from the storage medium 1140. Provided to the information request unit 1115.

The information requesting unit 1115 corresponds to the medical institution to the insurance company server 1145 through a predetermined communication means based on the medical institution information and the medical insurance claim information confirmed through the information checking unit 1110 ( Or the insurance company requests medical insurance payment payment approval information (approved to be paid to the medical institution).

According to the embodiment of the present invention, the information requesting unit 1115 provides the medical institution information and the medical insurance claim information to the insurance company server 1145 through the communication means, thereby providing the medical institution with the medical institution. It is desirable to request medical insurance payment approval information corresponding (or approved by the insurer to pay to the medical institution).

The insurance company server 1145 which has received the medical insurance payment payment approval information may include at least one medical service corresponding to the received medical institution information and the medical insurance claim information from a database storing the at least one medical insurance payment request information. The insurance payment approval details are checked, and predetermined medical insurance payment approval information including the medical insurance payment approval details is generated and transmitted to the financial company server 1105 through the communication means.

The medical insurance payment approval information receiving unit 1120 provides predetermined medical insurance payment approval information (or the predetermined medical insurance payment approved by the insurance company to pay the medical institution through the communication means) requested by the information requesting unit 1115. Approval information), and provides the received medical insurance payment approval information to the prepayment processor 1125.

According to the implementation method of the present invention, the medical insurance payment approval information and the total payment amount information approved for payment to the medical institution on the basis of the current time the medical insurance payment payment information is requested by the information requesting unit 1115, Preferably, the insurance company includes at least one payment date and time information to pay the approved amount of payment from the medical institution.

The prepayment processing unit 1125 has the medical insurance payment approval information corresponding to the medical institution (or approved by the insurance company to pay to the medical institution) from the insurance company server 1145 by the medical insurance payment approval information receiving unit 1120. When received, withdraw the amount corresponding to the total payment amount information included in the medical insurance payment approval information from the mother account for processing the medical insurance advance payment after payment in connection with the financial system to the medical institution account of the medical institution name corresponding to the medical institution information It is characterized in that the deposit processing.

According to an embodiment of the present invention, the medical institution account includes a real account opened in the name of the medical institution on the financial system, or includes at least one virtual account opened in the name of the medical institution on the financial system. It is preferable that this is done.

In this case, the virtual account in the name of the medical institution is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the insurance company parent account, or the agency that pays the medical insurance money according to the implementation method If there is, it is possible to open all in the form of a virtual account associated with the mother account of the medical insurance payment agency, thereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the prepayment processing unit 1125 deposits the amount corresponding to the total payment amount information included in the medical insurance payment approval information into the medical institution account of the medical institution name, the information transmission unit 1135 It is characterized in that for generating the predetermined medical insurance advance payment history information corresponding to the medical insurance advance payment processing, and transmits it to the medical institution terminal 1100 (eg, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means. .

According to another exemplary embodiment of the present invention, when the advance payment processing unit 1125 deposits the amount corresponding to the total payment amount information included in the medical insurance payment approval information into the medical institution account of the medical institution name, the information transmission unit 1135. The medical institution may generate predetermined medical insurance advance payment history information corresponding to the medical insurance advance payment processing and receive data (eg, a mail account of a medical institution customer, or a short message service) through the predetermined network means. ) A receiving device).

The post-payment processing unit 1130 withdraws an amount corresponding to the total payment amount information included in the medical insurance payment approval information from the maternal account for the prepayment processing of the medical insurance money deposit in advance by the first payment processor 1125 in connection with the financial system. When the deposit processing to the medical institution account of the name of the medical institution corresponding to the medical institution information, a predetermined prepayment fee is subtracted from the amount to be deposited into the medical institution account, in which case the first payment processing unit 1125 to the medical institution account It is preferable that the amount of money to be deposited includes an amount less the prepayment fee among the total payment amount included in the medical insurance payment approval information.

Alternatively, the post-payment processing unit 1130 is an amount corresponding to the total payment amount information included in the medical insurance payment approval information from the mother account for the pre-payment processing of the medical insurance money deposit in advance by the first payment processor 1125 in connection with the financial system. After depositing the money and processing the deposit to the medical institution account of the name of the medical institution corresponding to the medical institution information, the insurance company server 1145 pays the medical insurance money deposit after payment through the financial system from the insurance company to the medical institution. When the total amount of money to be deposited is received, the prepayment processing unit 1125 calculates a predetermined prepayment fee corresponding to the prepayment amount to the medical institution account, and calculates and processes the calculated prepayment fee.

According to the exemplary embodiment of the present invention, when the total amount to be paid from the insurance company to the medical institution is received from the insurance company server 1145 through the financial system, the prepayment processing unit 1125 is received. After calculating a predetermined prepayment fee corresponding to the amount prepaid to the medical institution account, the amount deposited into the mother account for the medical insurance prepayment and post-payment processing from the insurance company server 1145 and post-payment of the medical insurance prepayment It is preferable to compare the amount of money deposited into the medical institution account from the processing mother account.

If the amount of money deposited from the insurance company server 1145 to the maternal account for the post-payment of the medical insurance premiums is greater than the amount deposited into the medical institution account from the maternal account for the post-payment of the medical insurance premiums, the post-payment processing unit In operation 1130, after subtracting the calculated prepayment fee from the amount to be additionally deposited into the medical institution account from the amount deposited from the insurance company server 1145 to the post-payment processing mother account, after the medical insurance prepayment It is preferable to process the payment by depositing the additional deposit amount to the medical institution account in the settlement processing mother account.

On the contrary, as a result of the comparison, the amount deposited from the insurance company server 1145 to the settlement account after the medical insurance prepayment is less than the amount deposited into the account of the medical institution from the settlement account after the medical insurance prepayment deposit; If the amount to be additionally deposited into the medical institution account is less than the calculated prepayment fee in the mother account for the prepayment processing of insurance premiums, the after settlement processing unit 1130 processes the prepayment fee from the amount prepaid to the medical institution account. It is desirable to.

Alternatively, the amount deposited from the insurance company server 1145 into the mother account for the post-payment processing of the medical insurance premiums is less than the amount deposited into the medical institution account from the medical account for the prepayment processing of the medical insurance premiums, or the medical insurance advance payments. In a state in which the additional amount to be deposited into the medical institution account is less than the calculated prepayment fee in the mother account for post-payment processing, if the remaining amount of money deposited into the medical institution account is less than the prepayment fee, the post-payment processing unit 1130 Is preferably settles the prepayment fee from the amount to be prepaid to the medical institution account.

According to the exemplary embodiment of the present invention, when the post-settlement processing unit 1130 post-settles the medical insurance money, the information transmitting unit 1135 performs predetermined medical insurance post-payment settlement information corresponding to the medical insurance money-back payment processing. It generates and transmits to the medical institution terminal 1100 (for example, wired terminal, or wireless terminal of the medical institution customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the post-settlement processing unit 1130 post-settles the medical insurance money, the information transmission unit 1135 details the predetermined medical insurance post-payment settlement corresponding to the medical insurance post-payment processing. It generates information and transmits the data to the medical institution-side data receiving means (for example, a medical institution client's mail account or a short message receiving device) through a predetermined network means.

According to the method of the present invention, the information transmission unit 1135 analyzes the operation result of the medical institution account (for example, a virtual account in the name of the medical institution) for each medical institution, in addition to the medical insurance advance payment history information and / or medical insurance post payment settlement information. The medical institution account analysis report result is transmitted to the medical institution terminal 1100 (eg, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means, and / or the medical institution side data receiving means ( For example, it is characterized in that the transmission to the medical institution customer mail account, or a short message (SMS) receiving device).

12 is a diagram illustrating a medical insurance advance payment processing process according to an embodiment of the present invention.

In more detail, FIG. 12 shows medical institution information and medical insurance claims stored in the storage medium 1140 shown in FIGS. 1 and / or 5 in the financial company server 1105 on the medical insurance settlement processing system shown in FIG. On the basis of the information and the medical institution account information, a predetermined insurance company periodically bills the insurance company server 1145 to pay the medical institution, and in response to the medical insurance claim, the predetermined insurance from the insurance company server 1145 When the insurance payment approval information is received, the process of prepaying the amount corresponding to the medical insurance payment approval information to the medical institution account, if the person having ordinary knowledge in the technical field to which the present invention belongs, see FIG. And / or may be modified to infer a variety of implementation methods for the handling of medical insurance advance payments. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the financial company server 1105 on the medical insurance settlement processing system shown in FIG. 11 is referred to as a "server" for convenience, and the medical institution terminal 1100 on the medical insurance settlement processing system shown in FIG. It is called "terminal".

Referring to FIG. 12, the server periodically checks at least one or more medical institution information and medical insurance claim information stored in the storage medium 1140 illustrated in FIGS. 1 and / or 5, thereby corresponding to the medical institution information. In step 1200, the insurance company server 1145 checks at least one medical insurance target medical institution to claim a predetermined medical insurance premium for which the medical insurance payment is approved.

If at least one medical institution subject to claim for medical insurance is confirmed (1205), the server is registered from the storage medium 1140 through the information registration and account opening system shown in FIGS. 1 and / or 5. At least one medical institution information, medical insurance claim information, and medical institution account information are extracted (1210), and the insurance company server 1145 corresponds to the medical institution corresponding to the medical institution information through a predetermined communication means based on the extracted medical institution information. The medical insurance payment payment information for the request is requested (1215).

Thereafter, the insurance company server 1145 extracts at least one medical insurance payment approval history corresponding to the medical institution information from a predetermined database, and approves a predetermined medical insurance payment including the extracted at least one medical insurance payment approval history. Generate information (1220).

According to the implementation method of the present invention, the medical insurance payment approval information and the total payment amount information approved for payment to the medical institution on the basis of the current time the medical insurance payment payment information is requested by the information requesting unit 1115, Preferably, the insurance company includes at least one payment date and time information to pay the approved amount of payment from the medical institution.

When the medical insurance payment approval information is generated, the insurance company server 1145 transmits the generated medical insurance payment approval information to the server through the communication means (1225), and correspondingly, the server connects the financial system with the financial system. In operation 1230, an amount corresponding to the total payment amount information included in the medical insurance payment approval information is prepaid to the medical institution account.

If an amount corresponding to the total payment amount information is prepaid to the medical institution account (1235), the server generates predetermined medical insurance prepayment history information corresponding to the medical insurance prepayment processing and transmits it to the terminal (1240). ).

13 is a diagram illustrating a post-settlement process of a prepaid medical insurance premium according to an embodiment of the present invention.

In more detail, FIG. 13 shows medical institution information and medical insurance claim information stored in the storage medium 1140 shown in FIGS. 1 and / or 5 in the financial company server 1105 on the medical insurance settlement processing system shown in FIG. And a medical insurance fee to be paid to the medical institution account by the insurance company to be paid to the medical institution account through the medical insurance advance payment processing shown in FIG. 12 based on the medical institution account information, and then the insurance company pays the medical institution. When the payment amount is deposited, the process of settlement of the amount prepaid to the medical institution account through the amount deposited from the insurance company, if the person having ordinary knowledge in the technical field to which the present invention belongs, Various implementations of the post-settlement process of prepaid medical insurance claims by reference and / or modification The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the financial company server 1105 on the medical insurance settlement processing system shown in FIG. 11 is referred to as a "server" for convenience, and the medical institution terminal 1100 on the medical insurance settlement processing system shown in FIG. It is called "terminal".

Referring to FIG. 13, the financial institution server 1105 on the medical insurance settlement processing system shown in FIG. 11 is based on medical institution information, medical insurance claim information, and medical institution account information stored in the storage medium 1140 shown in FIG. After the medical insurance payment is prepaid to the medical institution account through the medical insurance prepayment process shown in FIG. 12 to the medical institution, the server is provided on the financial system from the insurance company server 1145. It is checked whether the medical insurance money to be paid from the insurer to the medical institution is deposited as the mother account for the settlement of the medical insurance money deposit prepayment (1300).

If the medical insurance money to be paid from the insurance company to the medical institution is deposited from the insurance company server 1145 to the medical insurance deposit prepayment processing account provided on the financial system (1305), the server is connected to the drawing 12. A predetermined prepayment fee according to the illustrated medical insurance prepayment processing is calculated (1310), and the amount deposited from the insurance company to the mother account for the medical insurance prepayment post-payment processing provided on the financial system and the server are shown in FIG. By comparing the amount prepaid to the medical institution account through the illustrated process, the server calculates a predetermined additional deposit amount to be additionally deposited into the medical institution account through the financial system (1315).

Thereafter, the server compares the calculated prepayment fee with the calculated additional deposit amount, and checks whether or not the settlement of the prepayment fee through the additional deposit amount is processed (1320).

According to the exemplary embodiment of the present invention, if the amount of money deposited from the insurance company server 1145 to the mother account for the post-payment processing of the medical insurance premium is greater than the amount prepaid to the medical institution account from the medical account for the prepayment processing of the medical insurance premium, The server may process the calculated prepayment fee from the amount (or the calculated additional deposit amount) received from the insurance company server 1145 to the mother account for the medical insurance prepayment post-payment processing.

If the settlement process of the prepayment fee is confirmed, the prepayment fee may be settled at the additional deposit amount (1325), and the server may settle the calculated prepayment fee from the amount deposited from the insurance company to perform the medical treatment. The final deposit amount to be deposited into the medical institution account is calculated from the mother account for the prepayment processing of insurance deposits (1330), and the final deposit amount calculated in connection with the financial system is used in the mother account for the prepayment processing of the medical insurance deposits. Deposit into account (1335).

On the other hand, if the settlement process of the prepayment fee is confirmed, if the prepayment fee cannot be settled from the additional deposit amount (1325), the server calculates the prepayment from the prepayment amount to the medical institution account through the process shown in FIG. In operation 1340, it is possible to settle the down payment fee.

According to the method of the present invention, if the balance of the medical institution account is greater than the calculated prepayment fee, the prepayment fee may be settled from the amount prepaid to the medical institution account.

If the prepayment fee can be settled from the amount prepaid to the medical institution account (1345), the server transfers the additional deposit amount calculated in connection with the financial system to the medical institution account before / after the medical institution account. The prepayment fee is settled from the balance (1350).

On the other hand, if the prepayment fee cannot be settled from the amount prepaid to the medical institution account (1345), the server deposits the additional deposit amount calculated in connection with the financial system before or after the deposit processing to the medical institution account. It is registered (or reserved) to preferentially process the settlement in the next medical insurance advance payment process as shown in FIG. 12 (1355).

14 is a diagram showing the configuration of a medical insurance settlement processing system according to another embodiment of the present invention.

Similarly, FIG. 14 is based on the medical institution information, the medical insurance claim information, and the medical institution account information stored in the storage medium 1455 through the information registration and account opening system shown in FIGS. 1 and / or 5. The financial company periodically requests the insurance company to pay the medical institution to the medical institution, the insurance company server 1460, and in response to the medical insurance claim, the predetermined medical insurance payment approval information is received from the insurance company server 1460 If the amount corresponding to the medical insurance payment approval information is loaned to the medical institution as a collateral and prepays the deposit, and if the amount corresponding to the medical insurance payment approval information is received from the insurance company, the medical insurance payment approval information is received. Medical insurance settlement processing system that post-settles the loaned amount As regards sex, a person having ordinary knowledge in the technical field to which the present invention belongs should refer to and / or modify this drawing 14 to configure various systems for configuring a medical insurance settlement processing system for post-payment of the medical insurance first payment. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to this figure 14 according to an embodiment of the present invention, the medical insurance payment settlement processing system for the post-payment of medical insurance payment advance through the medical insurance collateral loan procedure according to the present invention, at least one or more medical institutions connected to a predetermined network means The terminal 1400 and the medical institution secured mortgage loan request information including at least one or more medical institution information and the security loan request amount information transmitted from the medical institution terminal 1400 to receive a security loan according to the medical insurance mortgage loan request; When the mortgage is confirmed, the insurance company server 1460 includes a financial company server 1405 that loans an amount corresponding to the medical insurance security loan request information with the medical insurance money to be paid to the medical institution. It is characterized by.

The medical institution terminal 1400 may be a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile terminal comprising at least one wired terminal including a desktop computer and / or a laptop connected to the financial institution server 1405 via a computer, and / or connected to a code division multiple access (CDMA) based mobile communication network. At least one wireless terminal including at least one communication terminal and / or a portable Internet terminal connected to an IEEE 802.16 based high speed wireless Internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network Characterized in that it comprises, the medical institution terminal 1400 provided by the financial institution server 1405 A function configuration (eg, a browser program and a communication function) for outputting at least one or more interface screens and for inputting and / or selecting at least one or more information through the interface screens and transmitting the same to the financial institution server 1405. It is preferable.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the medical institution terminal 1400 corresponding to at least one or more wired terminal and / or wireless terminal, the detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the medical institution terminal 1400 is a wired terminal, the network means includes the TCP / IP based wired network, and when the medical institution terminal 1400 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless Internet, and / or DataTAC / Mobitex based wireless data communication network.

According to an exemplary embodiment of the present invention, the financial institution server 1405 may provide a web interface corresponding to the medical institution terminal 1400 and a network means, through a network means, with a predetermined communication channel with the medical institution terminal 1400. It characterized in that it comprises an interface unit 1410 for connecting and managing the, whereby the financial institution server 1405 of the web server is connected to the medical institution terminal 1400 through a wired network and / or a wireless network With functions.

According to an embodiment of the present invention, when the medical institution terminal 1400 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired network, the interface unit 1410 may connect the medical institution terminal 1400 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the medical institution terminal 1400 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform the function of transmitting and outputting and receiving and processing the predetermined medical insurance security loan request information input (or selected) through the interface screen from the medical institution terminal 1400.

According to another exemplary embodiment of the present invention, when the medical institution terminal 1400 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 1410 is connected to the medical institution terminal 1400 and WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the medical institution terminal 1400 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or an information providing screen and receiving and processing predetermined medical insurance security loan request information corresponding to the interface screen from the medical institution terminal 1400.

According to another exemplary embodiment of the present invention, when the medical institution terminal 1400 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 1410 may be connected to the medical institution terminal 1400 and the medical institution terminal 1400. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, transmit and output a predetermined interface screen and / or information providing screen to the medical institution terminal 1400 via the communication channel, and output the medical institution terminal. It is preferable to perform a function of receiving and processing the predetermined medical insurance security loan request information corresponding to the interface screen from the 1400, and / or the medical institution terminal 1400 communicates via a DataTAC / Mobitex-based wireless network When the channel is connected to the wireless terminal, the interface unit 1410 is the medical institution terminal 1400 and the DataTAC / M Connect a predetermined communication channel based on a wireless protocol corresponding to an obitex standard, transmit and output a predetermined interface screen and / or information providing screen to the medical institution terminal 1400 through the communication channel, and output the medical institution terminal ( 1400, it is preferable to perform a function of receiving and processing predetermined medical insurance security loan request information corresponding to the interface screen.

Referring to FIG. 14, the financial institution server 1405 is connected to the medical institution server 1405 when the medical institution terminal 1400 is connected to the financial institution server 1405 through the interface unit 1410. An interface for generating (or extracting) a predetermined interface screen for the terminal 1400 to input (or select) and transmit medical insurance security loan request information including at least one of the medical institution information and the security loan request amount information. An information receiving unit 1420 which receives the medical insurance security loan request information transmitted from the medical institution terminal 1400 through the interface screen in connection with the providing unit 1415 and the interface unit 1410. And a predetermined communication based on the medical institution information included in the medical insurance collateral loan request information received through the information receiving unit 1420. An information requesting unit 1430 for requesting medical insurance payment approval information corresponding to the medical institution (or approved by the insurance company to pay the medical institution) to the insurance company server 1460 through the means; A medical insurance payment approval information receiving unit 1420 for receiving medical insurance payment approval information corresponding to the medical insurance payment payment information request (or approved by the insurance company to pay the medical institution) from an insurance company server 1460; An information verification unit 1425 for reading loan amounts corresponding to the medical insurance payment loan request information by reading an amount corresponding to the medical insurance payment approval information and confirming the loan approval for the security loan request amount included in the medical insurance security loan request information; City, the medical insurance security deposit amount corresponding to the loan approval A prepayment processing unit 1440 which withdraws from a processing mother account and processes a prepayment (or secured loan) to a medical institution account corresponding to the medical institution account information stored in the storage medium 1455; When the amount corresponding to the medical insurance payment approval information is received into the mother account, it is characterized in that it comprises a post-settlement processing unit (1445) for processing the post-settlement for the mortgage (or the amount of the prepayment) secured to the medical institution account; And an information transmitter 1450 for transmitting the medical insurance advance payment history information and / or the medical insurance post payment settlement history information to the medical institution terminal 1400 (or medical institution side data receiving means) through a predetermined network means. Characterized in that made.

The interface providing unit 1415 has a functional configuration (eg, medical institution terminal) provided in the medical institution terminal 1400 when a predetermined medical institution terminal 1400 is connected to the financial institution server 1405 through the interface unit 1410. Generate a predetermined interface screen for inputting (or selecting) predetermined medical insurance collateral loan request information to the financial institution server 1405 through the network means in response to the browser program provided in operation 1400; And / or extract from a predetermined database (not shown), and provide the generated (or extracted) interface screen to the medical institution terminal 1400 through the network means in association with the interface unit 1410. do.

Subsequently, the medical institution terminal 1400 inputs (or selects) medical insurance security loan request information including at least one of medical institution information and a security loan request amount information based on the interface screen, and inputs (or selects) Medical insurance collateral loan request information is transmitted to the financial institution server 1405 through the network means.

The information receiver 1420 interoperates with the interface unit 1410 when the medical institution terminal 1400 inputs (or selects) predetermined medical insurance collateral loan request information through the interface screen and transmits the information through the network means. And receiving the medical insurance security loan request information, and the received medical insurance security loan request information is provided to the information requesting unit 1430.

The information requesting unit 1430 corresponds to the medical institution (or paid from the insurance company to the medical institution) to the insurance company server 1460 through a predetermined communication means based on the medical institution information included in the medical insurance collateral loan request information. Requesting medical insurance payment approval information.

According to the implementation method of the present invention, the information requesting unit 1430 provides the medical institution information and the medical insurance claim information to the insurance company server 1460 through the communication means, from the insurance company server 1460 to the medical institution It is desirable to request medical insurance payment approval information corresponding (or approved by the insurer to pay to the medical institution).

The insurance company server 1460 which has received the medical insurance payment payment approval information may include at least one medical service corresponding to the received medical institution information and the medical insurance claim information from a database storing the one or more medical insurance payment request information approved for payment. The insurance payment approval details are checked, and predetermined medical insurance payment approval information including the medical insurance payment approval details is generated and transmitted to the financial company server 1405 through the communication means.

The medical insurance payment approval information receiving unit 1420 provides predetermined medical insurance payment approval information (or the predetermined medical insurance payment approved by the insurance company to pay the medical institution through the communication means) requested by the information requesting unit 1430. Approval information), and provides the received medical insurance payment approval information to the information verification unit 1425.

According to the implementation method of the present invention, the medical insurance payment approval information is the total payment amount information approved for payment to the medical institution on the basis of the current time the medical insurance payment approval information is requested by the information requesting unit 1430, Preferably, the insurance company includes at least one payment date and time information to pay the approved amount of payment from the medical institution.

The information checking unit 1425 confirms the security loan approval for the security loan request amount included in the medical insurance security loan request information based on the total payment amount information and payment date information included in the medical insurance payment approval information. It is characterized by.

According to an exemplary embodiment of the present invention, the total payment amount information included in the medical insurance payment approval information received through the medical insurance payment approval information receiver 1420 is the security loan request amount included in the medical insurance security loan request information. If less than or equal to, the information check unit 1425 preferably approves the security loan for the security loan request amount included in the medical insurance security loan request information.

According to another embodiment of the present invention, the total amount of money included in the medical insurance payment approval information received through the medical insurance payment approval information receiving unit 1420 the security loan request amount included in the medical insurance security loan request information If greater than the information, the information checking unit 1425 requests the total payment amount included in the medical insurance payment approval information for a predetermined period of time through the information requesting unit 1430, and correspondingly, the medical insurance payment is approved. The total payment amount included in the medical insurance payment approval information for the past period included in the medical insurance payment approval information received through the information receiving unit 1420 for the security loan request amount included in the medical insurance mortgage loan request information. If it is confirmed that the security is set as collateral, the collateral included in the medical insurance collateral loan request information It is desirable to approve a mortgage for the amount requested.

When the security loan approval for the security loan request amount included in the medical insurance mortgage loan request information is confirmed, the information checking unit 1425 may determine the security loan security request amount included in the medical insurance security loan request information. It is characterized by checking the loan amount.

According to the embodiment of the present invention, the information check unit 1425 may further perform a function of adjusting the security loan request amount included in the medical insurance security loan request information in connection with the medical institution terminal 1400, Thereby, this invention is not limited.

When the medical insurance collateral loan amount corresponding to the medical insurance collateral loan request information is confirmed, the advance payment processing unit 1440 corresponds to the medical insurance collateral loan amount information from the mother account for processing the medical insurance prepayment after payment in connection with the financial system. It is characterized in that the withdrawal of the amount of money to be deposited into the medical institution account of the name of the medical institution corresponding to the medical institution information.

According to an embodiment of the present invention, the medical institution account includes a real account opened in the name of the medical institution on the financial system, or includes at least one virtual account opened in the name of the medical institution on the financial system. It is preferable to make it.

In this case, the virtual account in the name of the medical institution is opened in the form of a virtual account associated with the financial institution mother account, or in the form of a virtual account linked to the insurance company parent account, or the agency that pays the medical insurance money according to the implementation method If there is, it is possible to open all in the form of a virtual account associated with the mother account of the medical insurance payment agency, thereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the advance payment processing unit 1440 deposits the amount corresponding to the medical insurance security loan amount information into the medical institution account of the medical institution name, the information transmission unit 1450 may process the medical insurance advance payment process ( Or generating predetermined medical insurance advance payment history information corresponding to the secured loan processing and transmitting the predetermined information to the medical institution terminal 1400 (for example, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means. .

According to another exemplary embodiment of the present invention, when the advance payment processing unit 1440 deposits the amount corresponding to the medical insurance security loan amount information into the medical institution account of the medical institution, the information transmission unit 1450 processes the medical insurance advance payment. (Or secured loan advance payment history information corresponding to the security loan processing) to generate data on the medical institution side (e.g., a mail account of a medical institution customer or a short message service (SMS)) through a predetermined network means. Receiver).

The after-payment processing unit 1445 withdraws the amount corresponding to the medical insurance collateral loan amount information from the mother account for the pre-payment processing of the medical insurance money deposit in advance by the first payment processor 1440 in association with the financial system to correspond to the medical institution information. When the deposit is processed to a medical institution account in the name of a medical institution, a predetermined security loan interest is subtracted from the amount to be deposited into the medical institution account. In this case, the amount of the deposit payment unit 1440 actually deposits the medical institution account. It is preferable to include an amount deducting the interest on the mortgage loan from the amount of the medical insurance collateral loan.

Alternatively, the post-payment processing unit 1445 may withdraw the amount corresponding to the medical insurance collateral loan amount information from the mother account for the pre-payment processing of the medical insurance money deposit in advance by the first payment processor 1440 in connection with the financial system. After the deposit is processed into a medical institution account corresponding to the medical institution name, the total amount to be paid from the insurance company to the medical institution is deposited from the insurance company server 1460 to the mother account for the post-payment processing of the medical insurance money deposit through the financial system. And calculating, by the prepayment processing unit 1440, a predetermined mortgage interest corresponding to the amount secured (or prepaid) to the medical institution account, and calculating the calculated mortgage interest. do.

According to an exemplary embodiment of the present invention, when the total amount to be paid from the insurance company to the medical institution is received from the insurance company server 1460 through the financial system, the prepayment processing unit 1440 is received. After calculating a predetermined mortgage interest corresponding to the amount secured (or prepaid) the amount secured to the medical institution account, the deposit is made by the insurance company server 1460 to the mother account for the prepayment processing It is preferable to compare the amount with the amount secured (or prepaid) to the medical institution account from the mother account for the post-payment of the medical insurance deposit.

If the comparison result, the amount of money deposited from the insurance company server 1460 to the mother account for the prepayment processing of the medical insurance premiums is secured from the mother account for the prepayment processing of the medical insurance money deposit to the medical institution account (or prepaid). If the amount is greater than the amount, the post settlement processor 1445 calculates the mortgage interest calculated from the amount to be additionally deposited into the medical institution account from the amount deposited from the insurance company server 1460 to the maternity account for post payment settlement. After deducting, it is preferable that the additional payment amount is deposited and settled to the medical institution account in the medical insurance prepayment post-payment processing mother account.

On the other hand, as a result of the comparison, the amount of money deposited from the insurance company server 1460 to the mother account for the post-payment processing of the medical insurance premiums is secured from the mother account for the post-payment processing of the medical insurance money deposit to the medical institution account (or prepaid). If the amount is less than the amount, or the amount to be additionally deposited into the medical institution account from the maternal account for the pre-payment processing of the medical insurance payment advance payment is less than the calculated mortgage interest, the post-payment processing unit 1445 is secured to the medical institution account It is desirable to settle the mortgage interest on the loaned (or prepaid) amount.

Alternatively, the amount deposited from the insurance company server 1460 into the mother account for the post-payment of the medical insurance premiums is greater than the amount secured from the mother account for the post-payment processing of the medical insurance funds to the medical institution account (or prepaid). The amount of the additional deposit to the medical institution account from the mother account for the post-payment processing of the medical insurance advance payment is less than the calculated mortgage interest, and is secured (or prepaid) to the medical institution account. If the balance in the amount is less than the mortgage interest, the post-settlement processing unit 1445 may settle the mortgage interest from the amount of money to be prepaid to the medical institution account next time.

According to the exemplary embodiment of the present invention, when the post-settlement processing unit 1445 post-settles the medical insurance money, the information transmitting unit 1450 may provide predetermined medical insurance post-payment settlement information corresponding to the medical insurance post-payment processing. It generates and transmits to the medical institution terminal 1400 (for example, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the post-settlement processing unit 1445 post-settles the medical insurance money, the information transmission unit 1450 details the predetermined medical insurance post-payment settlement corresponding to the medical insurance post-payment processing. It generates information and transmits the data to the medical institution-side data receiving means (for example, a medical institution client's mail account or a short message receiving device) through a predetermined network means.

According to the method of the present invention, the information transmission unit 1450 analyzes the operation results of the medical institution accounts (for example, virtual accounts in the name of the medical institution) for each medical institution, in addition to the medical insurance advance payment history information and / or the medical insurance post payment settlement information. The medical institution account analysis report result is transmitted to the medical institution terminal 1400 (eg, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means, and / or the medical institution side data receiving means ( For example, it is characterized in that the transmission to the medical institution customer mail account, or a short message (SMS) receiving device).

15 is a diagram illustrating a medical insurance prepayment processing process through a medical insurance security loan procedure according to an embodiment of the present invention.

In more detail, in FIG. 15, at least one medical institution terminal 1400 on the medical insurance settlement processing system shown in FIG. 14 provides medical institution information and mortgage request amount information to the financial institution server 1405 via a predetermined network means. When the medical insurance collateral loan request information for the post-settlement of the medical insurance premium through the medical insurance collateral loan procedure is included, the financial institution server 1405 transmits the medical insurance collateral loan request information to the medical institution based on the medical insurance collateral loan request information. This is a process of collateralizing (or prepayment) a predetermined amount of medical insurance security mortgage to the medical institution by setting the amount to be paid as collateral, and if the person of ordinary skill in the art to which the present invention belongs Refer to and / or modify Figure 15 to implement the medical insurance security loan procedure. Would be able to infer a variety of exemplary methods for the medical insurance seonipgeum process, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

Hereinafter, in FIG. 15, the financial company server 1405 on the medical insurance settlement processing system shown in FIG. 14 is referred to as a "server" for convenience, and the medical institution terminal 1400 on the medical insurance settlement processing system shown in FIG. It is called "terminal".

Referring to FIG. 15, the terminal on the medical insurance settlement processing system shown in FIG. 14 connects to the server through the network means and connects a communication channel for the medical insurance prepayment post settlement through the medical insurance collateral loan procedure. (1500).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

As described above, when the communication channel for the prepayment of medical insurance payments through the medical insurance mortgage loan procedure is connected between the terminal and the server, the terminal through the communication channel to the server through the medical insurance mortgage loan procedure Requests an interface screen for prepayment after payment (1505), and correspondingly, the server generates (or selects) an interface screen including a user interface for inputting (or selecting) the medical insurance security loan request information from the terminal. And extracts the created (or extracted) interface screen to the terminal through the communication channel (1515).

Thereafter, the terminal inputs (or selects) the medical insurance security loan request information including at least one of the medical institution information and the security loan request amount information through the user interface for inputting (or selecting) the medical insurance security loan request information. (1520).

If the terminal receives (or selects) the medical insurance security loan request information including at least one of the medical institution information and the security loan request amount information (1525), the terminal transmits the medical insurance money to the server through the communication channel. Sending the security loan request information (1530), and in response, the server requests medical insurance payment approval information for the medical institution to the insurance company server 1460 through the medical institution information included in the medical insurance security loan request information. (1535),

Subsequently, the insurance company server 1460 extracts at least one medical insurance payment approval history corresponding to the medical institution information from a predetermined database, and approves a predetermined medical insurance premium including the extracted at least one medical insurance payment approval history. Generate information (1540).

According to the implementation method of the present invention, the medical insurance payment approval information is the total payment amount information approved for payment to the medical institution on the basis of the current time the medical insurance payment approval information is requested by the information requesting unit 1430, Preferably, the insurance company includes at least one payment date and time information to pay the approved amount of payment from the medical institution.

When the medical insurance payment approval information is generated, the insurance company server 1460 transmits the generated medical insurance payment approval information to the server through the communication means (1545), and correspondingly, the server receives the received medical insurance money. The payment approval information is read to check whether the security loan is approved for the security loan request amount included in the medical insurance security loan request information (1550).

According to an embodiment of the present invention, the server approves the security loan for the security loan request amount included in the medical insurance security loan request information based on the total payment amount information and payment date information included in the medical insurance payment approval information. It is desirable to check.

According to an exemplary embodiment of the present invention, when the security loan request amount included in the medical insurance collateral loan request information is less than or equal to the total payment amount information included in the received medical insurance payment payment information, the server may be configured to perform the medical care. It is desirable to approve the secured loan for the amount of the secured loan request included in the claim secured loan request information.

According to another exemplary embodiment of the present invention, when the security loan request amount included in the medical insurance collateral loan request information is larger than the total payment amount information included in the received medical insurance payment approval information, the server requests the information. Request the total payment amount included in the medical insurance payment approval information for the past predetermined period through the unit 1430, and correspondingly the medical insurance payment approval information for the past predetermined period included in the received medical insurance payment approval information correspondingly If it is confirmed that it is effective to set the total amount of payments included in the collateral loan request amount included in the medical insurance collateral loan request information, the collateral for the collateral loan request amount included in the medical insurance collateral loan request information. It is desirable to approve the loan.

According to an embodiment of the present invention, the server may further perform a function of adjusting the security loan request amount included in the medical insurance security loan request information in connection with the medical institution terminal 1400, whereby the present invention It is not limited.

If the result of the check confirms the secured loan approval for the security loan request amount included in the medical insurance collateral loan request information (1555), the server actually checks the actual amount of the security loan requested information included in the medical insurance collateral loan request information. A mortgage amount is calculated (1560).

According to the implementation method of the present invention, it is preferable that the security loan amount includes the security loan request amount included in the medical insurance security loan request information as it is.

According to another embodiment of the present invention, when the security loan request amount included in the medical insurance security loan request information is adjusted, the security loan amount is the amount adjusted from the security loan request amount included in the medical insurance security loan request information. It is preferable to comprise a.

Thereafter, the server processes an advance payment of the amount corresponding to the mortgage loan amount information to the medical institution account in association with the financial system (1565).

If the amount corresponding to the mortgage amount information is prepaid (or secured loan processing) to the medical institution account (1570), the server advances a predetermined medical insurance prepayment corresponding to the medical insurance prepayment processing (or the security loan processing). Details information (or collateral loan history information) is generated and transmitted to the terminal (1575).

FIG. 16 is a diagram illustrating a post-settlement process of a medical insurance premium processed as a mortgage according to an exemplary embodiment of the present invention.

More specifically, FIG. 16 shows medical institution information and medical insurance claim information stored in the storage medium 1455 shown in FIGS. 1 and / or 5 in the financial company server 1405 on the medical insurance settlement processing system shown in FIG. And the medical insurance money to be paid to the medical institution by the insurance company through the medical insurance advance payment processing shown in FIG. 15 based on the medical institution account information. When the total payment amount to be paid to the medical institution is deposited, the process of settlement of the amount of prepayment (or mortgage) to the medical institution account through the amount deposited from the insurance company, the present invention belongs to If one of ordinary skill in the art, with reference to and / or modified this figure 16 mortgages Various implementation methods for the post-treatment process of the medical insurance proceedings can be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the financial company server 1405 on the medical insurance settlement processing system shown in FIG. 14 is referred to as a "server" for convenience, and the medical institution terminal 1400 on the medical insurance settlement processing system shown in FIG. It is called "terminal".

Referring to FIG. 16, the financial institution server 1405 on the medical insurance settlement processing system shown in FIG. 14 is based on medical institution information, medical insurance claim information, and medical institution account information stored in the storage medium 1455 shown in FIG. After the medical insurance payment to the medical institution is paid in advance to the medical institution account through the medical insurance advance payment processing shown in FIG. 15, the server is the insurance company server 1460. It is checked from the insurance system that the insurance premiums to be paid from the insurance company to the medical institution are deposited into the mother account for the prepayment processing of the medical insurance deposits provided on the financial system (1600).

If the medical insurance money to be paid from the insurance company to the medical institution is deposited from the insurance company server 1460 to the mother account for prepayment processing of the medical insurance money provided on the financial system (1605), the server is shown in FIG. A predetermined mortgage interest in accordance with the medical insurance prepayment processing is calculated (1610), and the amount deposited from the insurer to the mother account for the medical insurance prepayment post-payment processing provided on the financial system and the server shown in FIG. By comparing the amount prepaid (or collateralized) to the medical institution account through the illustrated process, the server calculates a predetermined additional deposit amount to be additionally deposited into the medical institution account through the financial system (1615). .

Thereafter, the server compares the calculated mortgage interest with the calculated additional deposit amount, thereby confirming whether or not the settlement process for the security interest through the additional deposit amount is settled (1620).

According to an embodiment of the present invention, the amount of money deposited from the insurance company server 1460 to the mother account for the post-payment processing of the medical insurance premium is processed from the mother account for the post-payment processing of the medical insurance payment to the medical institution account (or collateral loan processing). If more than the amount, the server may process the calculated mortgage interest from the amount (or the calculated additional deposit amount) deposited from the insurance company server 1460 to the maternal account for the prepayment of the medical insurance deposit. have.

If the settlement processing result of the mortgage interest is confirmed, if the secured loan interest can be settled from the additional deposit amount (1625), the server processes the calculated mortgage interest from the amount deposited from the insurance company. The final deposit amount to be deposited into the medical institution account is calculated from the mother account for the pre-payment processing of the medical insurance deposit (1630), and the final deposit amount, which is linked to the financial system, is calculated from the mother account for the post-payment processing of the medical insurance deposit. The deposit is processed into the medical institution account (1635).

On the other hand, if the settlement processing confirmation result for the mortgage interest is confirmed and the secured loan interest cannot be settled from the additional deposit amount (1625), the server processes the prepayment to the medical institution account through the process shown in FIG. In step 1640, it is possible to settle the calculated mortgage interest from the amount of the collateralized loan).

According to the method of the present invention, if the balance of the medical institution account is greater than the calculated mortgage interest, the mortgage interest may be settled from the amount prepaid (or secured loan) to the medical institution account.

If the mortgage interest can be settled from the amount prepaid (or collateralized) in the medical institution account (1645), the server connects the calculated additional deposit amount to the medical institution account in connection with the financial system. The mortgage interest is settled from the medical institution account balance before and after the deposit processing (1650).

On the other hand, if the mortgage interest cannot be settled from the amount prepaid (or collateralized) in the medical institution account (1645), the server connects the calculated additional deposit amount to the medical institution account in connection with the financial system. Before and after the deposit processing, the mortgage interest is registered (or reserved) to be settled first in the next medical insurance advance payment process as shown in FIG. 15 (1655).

According to the present invention, the financial institution generates a fee income according to the prepayment of the prepayment of the salary-based medical insurance, or processes the prepayment of the prepayment of the salary-based medical insurance in accordance with the mortgage procedure to generate loan interest income. There is an advantage.

According to the present invention, the medical institution has an advantage of controlling the cash flow smoothly by minimizing the time difference between medical billing and payment.

Claims (6)

Information storage means for linking medical institution information and medical insurance claim information for the medical institution and storing the information in a storage medium; Check the medical institution information and the medical insurance claim information in association with the storage medium (or storage medium operating means), and the medical insurance payment request information requesting that the insurance company pays the medical insurance money to be paid to the medical institution. Information requesting means for generating and providing the medical insurance payment request information to the insurance company; Information receiving means for receiving payment approval information corresponding to the medical insurance payment request from the insurance company; Prepayment processing means for withdrawing the prepayment amount corresponding to the payment approval from the mother account for the medical insurance prepayment and post-payment processing corresponding to the payment approval information and prepayment to the medical institution account; And And a post-payment processing means for settlement of the received insurance money when the insurance money to be paid to the medical institution through the insurance company is deposited into the insurance money management account. The method of claim 1, wherein the benefit management account, And a virtual account opened in the name of the medical institution, or the mother account for the prepayment processing of the medical insurance money deposit. Storing and storing the medical institution information and the medical insurance claim information for the medical institution in an information storage means in a storage medium; Checking the medical institution information and the medical insurance claim information in association with the storage medium (or storage medium operating means) in the information requesting means, and requesting the insurance company to pay the medical insurance money to be paid to the medical institution to the insurance management account; ; Receiving payment approval information corresponding to the medical insurance payment request from the insurance company in an information receiving means; Withdrawing a prepayment amount corresponding to the payment approval from the medical insurance prepayment post-payment processing mother account in response to the payment approval information in a prepayment processing means and prepayment to the medical institution account; And when the insurance money to be paid to the medical institution through the insurance company is deposited into the insurance management account, performing the settlement of the deposited insurance money by a post settlement processing means. In the prepayment processing means, the prepayment amount corresponding to the amount for which the insurance premium is approved by the insurer to be paid to the medical institution is paid to the insurance management account. step; And And when the insurance money to be paid to the medical institution through an insurance company is deposited into the insurance management account, the settlement of the deposited insurance money by a post settlement processing means. delete A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 3 to 4.

Images