KR100876445B1 - Payment Guarantee System and Method Using Insurance Contract Loan - Google Patents

Abstract

The present invention relates to a payment guarantee system using a policy loan and a method thereof. In the private health insurance plan subscribed to by an insured, the information regarding the insurance policy loan is exchanged to receive a payment guarantee limit according to the insurance contract. The present invention relates to a payment guarantee system using an insurance contract loan that guarantees payment of an amount and a method thereof.

According to the present invention as described above, the relay server connected to the medical institution server and the insurance company server network receives the payment guarantee application data from the medical institution server as encrypted electronic document data and transmits it to the insurance company server, the payment guarantee acceptance data from the insurance company server To receive the encrypted electronic document data and transmit it to the medical institution server, and receive the amount of the result of inquiring the payment guarantee limit from the insurance company server as a virtual account and transfer the transfer information to the medical institution server to guarantee the payment of the medical expenses of the insured. There is.

Description

System for securing payment using loan as a contract of insurance and method therefore}

1 is a schematic diagram of a payment guarantee system using an insurance contract loan according to an embodiment of the present invention.

2 is an overall flowchart of a payment guarantee method according to an embodiment of the present invention.

3 is a detailed flowchart of transmitting payment guarantee application data as encrypted electronic document data to a relay server according to an embodiment of the present invention.

Figure 4 is a detailed flowchart for establishing pledge for insurance contract loans according to an embodiment of the present invention.

Figure 5 is a detailed flowchart of the account receivable setting by the medical institution server according to an embodiment of the present invention.

Figure 6 is a detailed flowchart of the money transfer by the insurance company server according to an embodiment of the present invention.

7 is a detailed flowchart of transmitting medical expenses payment completion information by a medical institution server according to an embodiment of the present invention to a relay server.

<Description of Symbols in Drawings>

100: network 200: medical institution server

210: data receiving unit 220: storing database unit

230: accounting database unit 240: data output unit

250: first control unit 300: relay server

310: log database unit 320: back office processing unit

330: payment gateway 340: second control unit

400: insurance company server 410: insurance examination receiver

420: insurance subscriber database unit 430: payment database unit

440: insurance examination output unit 450: third control unit

500: insurance subscriber terminal 510: receiver

520: communication unit 530: memory unit

540: display unit 550: fourth control unit

The present invention relates to a payment guarantee system using a policy loan and a method thereof, and more particularly, to private insurance provided by the insured, to receive information related to the insurance contract loan to determine the payment guarantee limit according to the insurance contract The present invention relates to a payment guarantee system using an insurance contract loan that guarantees payment of an amount of a query result and a method thereof.

An insurance contract loan is a financial service in which an insured person obtains a loan in accordance with the insurance company's method within the contract's cancellation refund. Insurance loans may be restricted depending on the type of insurance product, such as pure security insurance, and if the insured does not repay the insurance loan interest and interest on the insurance loan, the insurer fails to pay on the day of payment of the insurance and cancellation refund. The insurance contract loans and interests can be offset against the restraint payments (insurance paid to the customer, such as cancellation refund, maturity insurance, middle insurance, accident insurance, etc.).

Regarding the conventional medical bill payment system, a number of patent applications have been filed in addition to Korean Patent Publication No. 10-2006-0053637 "Medical Bill Payment System and Method Using a Terminal".

The present invention provides a terminal for performing a medical examination; A communication system receiving health diagnosis data from the terminal; A medical management server that receives the medical examination data and checks the state of health of the subscriber of the terminal, provides a prescription if there is an abnormality, and generates a medical cost according to the medical examination and the prescription; And a payment system that receives the medical cost data and performs charging through the terminal.

The "medical cost payment system and method using the terminal" had a problem in that the entire medical expenses must be paid first at their own expense.

An object of the present invention is to solve the above problems, the medical server server and the relay server connected to the network with the insurance company server receives the payment guarantee request data from the medical institution server as encrypted electronic document data and transmits to the insurance company server, insurance company An insurance contract loan that receives payment guarantee consent data from the server as encrypted electronic document data and transmits it to the medical institution server, and receives the amount of the result of inquiring the payment guarantee limit from the insurance company server as a virtual account and transmits the transfer information to the medical institution server. The present invention provides a payment guarantee system and a method thereof.

The payment guarantee system using the insurance contract loan according to the present invention, the network 100 connecting the medical institution server 200, the relay server 300 and the insurance company server 400; Transfer payment guarantee application data including insurance subscriber information, medical institution information and insurance company information to the relay server, receive payment guarantee acceptance data including the payment guarantee limit inquiry result amount from the relay server, and query the payment guarantee limit Medical institution server that sets the amount of receivables, receives the transfer information received from the insurer server through the relay server, offsets the receivables based on the received transfer information, and transmits the medical expenses payment completion information to the relay server 200; Receive payment guarantee application data from the medical institution server, transmit the payment guarantee application data to the insurance company server, receive payment guarantee consent data from the insurance company server, transmit the payment guarantee consent data to the medical institution server, insurance contract Receives the use of the loan and transmits the use of the insurance contract loan to the insurer server, receives the amount of the result of inquiring the payment guarantee limit from the insurer server, and transfers the transfer information to the medical institution server. And, relay server 300 for receiving medical expenses payment completion information from the medical institution server; And receiving the payment guarantee application data from the relay server, inquiring the insurance subscriber information and the insurance contract loan limit, pledge the insurance contract loan, and verifying the payment guarantee limit according to the insurance contract. Transmit payment guarantee acceptance data including information on the transfer server, transfer the amount of the result of inquiring the payment guarantee limit to the virtual account of the relay server according to the examination result, and pay the medical expenses payment guarantee amount or insurance An insurance company server 400 that releases pledges for insurance contract loans when not using a contract loan; It includes.

Preferably, the medical institution server receives the payment guarantee consent data from the insurance company server 400 as encrypted electronic document data through the relay server 300 and decrypts the received electronic document data into payment guarantee acceptance data. It features.

Also preferably, the insurance company server receives the payment guarantee application data from the medical institution server 200 as encrypted electronic document data through the relay server 300, and decrypts the received electronic document data into payment guarantee application data. It is characterized by.

Also preferably, the insurance subscriber terminal 500 for receiving the use of the insurance contract loan from the relay server in a text message or a voice message and transmits the usage to the relay server; It characterized in that it further comprises.

Also preferably, the medical institution server may include a data receiving unit 210 for receiving payment guarantee application data including a medical expenses payment guarantee application; An accommodating database unit 220 for storing the payment guarantee application data including the medical expenses payment guarantee application received through the data receiving unit and the payment guarantee acceptance data received by decrypting the encrypted electronic document data from the relay server; An accounting database unit 230 for storing medical expenses information including medical expenses incurred by medical treatment for an insurance subscriber, and an amount of a payment guarantee limit inquiry result of the payment guarantee consent data; A data output unit 240 for outputting payment guarantee application data stored in the storage database unit and medical expenses information stored in the accounting database unit; And a first control unit 250 which centrally controls the data receiving unit, the storing database unit, the accounting database unit, and the data output unit. Characterized in that it comprises a.

Also preferably, the relay server may include: a log database unit 310 storing logs for transmitting and receiving electronic document data; A back-end business processor 320 which receives whether the insurance contract loan is used for paying medical expenses and transmits the insurance contract loan to the insurance company server; A payment gateway 330 which is a virtual account opened in the name of the medical institution, receives the amount of the payment guarantee limit inquiry result from the insurance company server into the virtual account in the name of the medical institution, and stores the transfer information; And a second control unit 340 for centrally controlling the log database unit, the back line processing unit, and the payment gateway unit. Characterized in that it comprises a.

And preferably, the insurance company server insurance check receiving unit for receiving the insurance examination results 410; An insurance subscriber database unit 420 for storing data on an insurance subscriber, data on an insurance contract application, and data on an offer; A payment database unit 430 for storing information about loans paid to the insured and medical expenses payment guarantee amount according to the insurance contract; An insurance examination output unit 440 which outputs insurance subscriber information, insurance contract application form, subscription form and payment information necessary for insurance examination; And a third control unit 450 which centrally controls the insurance examination receiver, the insurance subscriber database unit, the payment database unit, and the insurance examination output unit. Characterized in that it comprises a.

More preferably, the subscriber terminal 500 includes a receiving unit 510 for receiving whether or not to use the insurance contract loan for payment of medical expenses; A communication unit 520 capable of wired / wireless communication, receiving from the relay server whether to use the insurance contract loan for payment of medical expenses in a text message or a voice message, and returning whether the insurance contract loan is used to the relay server; A memory unit (530) for storing a text message or a voice message received from the relay server; A display unit 540 for displaying a text message or a voice message stored in the memory unit; And a fourth controller 550 for centrally controlling the receiver, the communicator, the memory, and the display. Characterized in that it comprises a.

On the other hand, the medical institution server 200, the relay server 300 and the insurance company server 400 in the payment guarantee method using the payment guarantee system using the insurance contract loan linked to the network 100, (a) the relay server is a medical institution Receiving the payment guarantee application data from the server as encrypted electronic document data; (b) the relay server transmitting the electronic document data to an insurance company server so that the insurance company server may pledge insurance contract loans; (c) the relay server receiving payment guarantee consent data from the insurance company server as encrypted electronic document data; (d) the relay server transmitting the encrypted electronic document data to a medical institution server to set an amount of receivables as a result of the medical institution server querying the payment guarantee limit; (e) the transfer server stores the transfer information of the result of inquiring the payment guarantee limit from the insurer server according to the examination result to the virtual account in the name of the medical institution; If the contract loan is not used, canceling pledge of the insurance contract loan; (f) transmitting, by the relay server, the transfer information received from the insurance company server to the medical institution server so that the medical institution server offsets the receivables; And (g) receiving, by the relay server, medical expenses payment completion information from the medical institution server; It includes.

Preferably, the step (a) comprises the steps of (a-1) the medical institution server receiving the medical expenses information resulting from the treatment of the insured through the data receiver, and receiving the medical expenses payment guarantee application as payment guarantee application data; (a-2) the medical institution server storing medical expenses information and payment guarantee application data; And (a-3) the medical institution server converting the payment guarantee application data into encrypted electronic document data and transmitting it to a relay server. Characterized in that it comprises a.

Also preferably, the step (b) may include: (b-1) the insurance company server decrypting the insurance subscriber information by receiving encrypted electronic document data from the relay server; (b-2) generating, by the insurance company server, payment guarantee acceptance data based on the information of the subscriber and the information according to the payment guarantee limit inquiry result according to the insurance contract; And (b-3) the insurance company server pledged for insurance contract loans; Characterized in that it comprises a.

Also preferably, the step (d) may include (d-1) receiving, by the medical institution server, the payment guarantee consent data from the relay server as encrypted electronic document data; (d-2) the medical institution server decrypting the encrypted electronic document data to store payment guarantee acceptance data; (d-3) the medical institution server billing the medical expenses excluding the amount of the payment guarantee limit inquiry result of the payment guarantee acceptance data from the medical institution server operator to the insurer offline and receiving the received medical expenses information through the data receiving unit; ; (d-4) setting the amount of the payment guarantee limit inquiry result of the payment guarantee acceptance data as receivable; Characterized in that it comprises a.

Also preferably, the step (e) may include (e-1) the insurance company server receiving the examination result from the examiner through the insurance examination receiver; (e-2) determining, by the insurance company server, the received audit result; (e-3) If it is impossible to pay the medical expenses payment amount according to the insurance contract as a result of the determination in the step (e-2), the insurance company server transmits the medical expenses payment amount impossible payment information to the relay server. Receiving whether to use an insurance contract loan from the relay server; (e-4) determining, by the insurer server, whether to use the insurance contract loan received from the relay server; (e-5) When the insurance contract loan is used as a result of the determination of step (e-4), the insurance company server transfers the insurance contract loan to the payment gateway 330 which is a virtual account of the relay server. ; (e-6) As a result of the determination in the step (e-2), if the medical expenses payment guarantee amount can be paid according to the insurance contract, the insurance company server transfers the medical expenses payment guarantee amount to the payment gateway which is a virtual account of the relay server. Doing; (E-7) the insurance company server releasing a pledge for an insurance contract loan; Characterized in that it comprises a.

More preferably, if the insurance contract loan is not used as a result of the step (e-4), the insurance company server receiving direct payment target information of the insured subscriber from the relay server; And release the pledge for the insurance contract loan by the insurance company server.

Preferably, the step (f) comprises the steps of: (f-1) receiving, from the relay server, the transfer information received from the insurance company server by transferring the amount corresponding to the receivable from the insurance company server to the virtual account of the relay server; (f-2) the medical institution server offsetting the receivables based on the transfer information received from the relay server; And (f-3) the medical institution server transmitting the medical expenses payment completion information to the relay server, wherein the medical expenses payment completion information including the information for offsetting the receivable is collected. Characterized in that it comprises a.

The features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. Prior to this, the terms or words used in the present specification and claims are defined in the technical spirit of the present invention on the basis of the principle that the inventor can appropriately define the concept of the term in order to explain his invention in the best way. It should be interpreted to mean meanings and concepts. In addition, when it is determined that the detailed description of the known function and the configuration related to the present invention may unnecessarily obscure the subject matter of the present invention, it should be noted that the detailed description is omitted.

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention.

A payment guarantee system using an insurance contract loan according to an embodiment of the present invention will be described with reference to FIG. 1.

1 is a schematic diagram of a payment guarantee system using an insurance contract loan according to an embodiment of the present invention.

As shown in FIG. 1, a payment guarantee system using an insurance contract loan includes a network 100, a medical institution server 200, a relay server 300, an insurance company server 400, and an insurance subscriber terminal 500.

The network 100 connects the medical institution server 200, the relay server 300, the insurance company server 400, and the insurance subscriber terminal 500, and the wired Internet network of the TCP / IP protocol and the wireless of the WAP protocol. It includes the internet network and wired / wireless communication network.

In addition, the medical institution server 200 is a payment guarantee including medical cost information and insurance subscriber information, medical institution information, and insurance company information generated by the medical institution server operator for medical treatment for the private health insurance subscribers (hereinafter referred to as 'insurance subscribers') Information on the amount of the result of receiving the application data, transmitting the payment guarantee application data to the relay server 300 in the form of encrypted electronic document data, and inquiring the payment guarantee limit from the insurance company server 400 according to the insurance contract. Medical expenses excluding the amount of the result of receiving the payment guarantee approval data including the received through the relay server 300 in the form of encrypted electronic document data to the payment guarantee acceptance data, and query the payment guarantee limit of the payment guarantee acceptance data Medical insurance provider billed to the insured and receive payment information The amount of the result of the inquiry of the payment guarantee limit is set as receivable, and the transfer server transfers the transfer information in which the insurance company server 400 transfers the amount of the result of querying the payment guarantee limit to the virtual account of the relay server 300. Receiving from the (300), and offset the receivables with the transferred amount of the transfer information received from the relay server 300, and transmits the medical expenses payment complete information including the offset processing information to the relay server 300 Perform the function.

To this end, the medical institution server 200 includes a data receiver 210, a storage database unit 220, an accounting database unit 230, a data output unit 240, and a first control unit 250.

The data receiving unit 210 receives the medical expenses information generated from the medical institution server operator in the medical treatment for the insured, receives the medical expenses payment guarantee application submitted from the insured as payment guarantee application data, encrypted from the relay server 300 The electronic document data is received and received as payment guarantee acceptance data decrypted by the first control unit 250.

And the data receiving unit 210 bills the insurance subscribers offline except for the amount of the result of inquiring the payment guarantee limit according to the insurance company's insurance contract from the medical institution server operator, and receives the paid medical expenses information .

The payment guarantee application data includes information on the insurance subscriber, including the name, age, address, social security number, telephone number, and mobile phone number of the insured, information on the medical institution including information on medical treatment and medical expenses, and information on the insurance company. Include.

The storage database unit 220 receives and decrypts payment guarantee application data including the medical expenses payment guarantee application received from the medical institution server operator through the data receiving unit 210 and the encrypted electronic document data from the relay server 300. Save guaranteed consent data.

The accounting database unit 230 stores medical expenses information including medical expenses incurred by medical treatment for the insured and an amount of a result of inquiring the payment guarantee limit of the payment guarantee consent data.

The data output unit 240 outputs payment guarantee application data stored in the accommodation database unit 220 and medical expenses information stored in the accounting database unit 230.

The first control unit 250 centrally controls the data receiving unit 210, the storing database unit 220, the accounting database unit 230, and the first output unit 240, and encrypts the payment guarantee application data in an electronic document. The electronic document data converted into a form is transmitted to the relay server 300, and the payment guarantee consent data including the information on the amount of the result of inquiring the payment guarantee limit from the insurance company server 400 according to the insurance contract is relayed. Received through the electronic document data encrypted through the (300) and decrypted to the payment guarantee approval data, the medical institution server operator billed the insurance subscribers the medical expenses except the amount of the result of inquiring the payment guarantee limit of the payment guarantee approval data Receive the medical expenses information received from the medical institution server operator, and set the amount of the result of retrieving the payment guarantee limit as receivables, The exploration server 400 receives the transfer information from the relay server 300 that transfers the amount of the result of inquiring the payment guarantee limit to the virtual account of the relay server 300, and receives the receivables from the relay server 300. The offsetting process of the transfer information is carried out, and the medical expenses payment completion information including the offsetting information is transmitted to the relay server 300.

In addition, the relay server 300 receives the electronic document data encrypted with the payment guarantee application data from the medical institution server 200, stores the log, and encrypts the payment guarantee application data to the insurance company server 400, the electronic document The data is transmitted and stored in a log, and the log is received from the insurance company server 400 by receiving electronic document data encrypted with payment guarantee acceptance data including information on the amount of the result of querying the payment guarantee limit according to the insurance contract. Save, transmit the electronic document data encrypted payment guarantee consent data to the medical institution server 200 to store the log, receives the use of insurance contract loan from the insurance company server 400, the terminal 500 of the subscriber Receives the use of the insurance contract by sending the use of the insurance contract, and inquires the payment guarantee limit from the insurance company server (400) Take a virtual transfer money between accounts of the institution that had sent the transfer information to the medical server (200), and performs the function of receiving the payment received medical information from the medical server (200).

To this end, the relay server 300 includes a log database unit 310, a back office processing unit 320, a payment gateway unit 330, and a second control unit 340.

The log database 310 stores a log for transmitting and receiving electronic document data. In this case, the log refers to a record related to communication and operation of the medical institution server 200 and the insurance company server 400.

The back line processing unit 320 transmits the use of the insurance contract loan from the third control unit 450 of the insurance company server 400 to the subscriber's terminal 500 in a text message or a voice message to determine whether to use the insurance contract loan. Receives, and transmits whether the insurance contract loan is used to the insurance company server (400).

The payment gateway 330 is a virtual account opened in the name of the medical institution, and receives and stores the amount of the payment guarantee limit inquiry result from the insurance company server 400 to the virtual account in the name of the medical institution.

In this case, the virtual account is an electronic money account commonly used between the medical institution server 200, the relay server 300, and the insurance company server 400. The virtual account is transferred from the insurance company server 400 to a separate financial account of the medical institution. The account exists for.

The second control unit 340 centrally controls the log database unit 310, the back line processing unit 320, and the payment gateway unit 330, and encrypts the payment guarantee application data from the medical institution server 200. Information on the amount of the result of receiving the data, transmitting the electronic document data encrypting the payment guarantee application data to the insurance company server 400, and querying the payment guarantee limit in accordance with the insurance contract from the insurance company server 400 Receive electronic document data encrypted payment guarantee consent data, including, transmit the electronic document data encrypted payment guarantee consent data to the medical institution server 200, transmits the transfer information to the medical institution server 200, Medical fee payment completion information is received from the medical institution server (200).

The relay server 300 may not check the contents of the encrypted electronic document data exchanged between the medical institution server and the insurance company server, but may only check the insurance company information and the medical institution information of the encrypted electronic document data.

In addition, the insurance company server 400 stores the data for the insured, the data for the insurance contract application and the data for the subscription, receive and decrypt the encrypted electronic document data from the relay server 300, the payment guarantee limit After confirming the information of the result, the information of the subscriber and the credit information, the payment guarantee approval data is generated accordingly, and pledged for the insurance contract loan of the insurance subscriber, and the electronic payment document encrypted with the payment guarantee consent data The data is converted into data and transmitted to the relay server 300, and the insurer submits proof documents necessary for the medical insurance payment guarantee examination to the insurance company reviewer, based on the proof documents and payment guarantee application data from the insurance company reviewer. The screening results are received, and the received screening results If it is not possible, the relay server 300 transmits whether the insurance contract loan is used to receive the insurance contract loan, and if the insurance contract loan is used, the insurance contract loan is transferred to the relay server 300, It performs the function of canceling pledge when the insurance contract loan is not used or when the medical expenses payment amount is payable.

To this end, the insurance company server 400 includes an insurance review receiving unit 410, an insurance subscriber database unit 420, a payment database unit 430, an insurance review output unit 440 and a third control unit 450. .

The insurance examination receiving unit 410 receives the result of the examination based on the payment guarantee application data and the proof document from the examiner when the insured member submits proof documents necessary for the medical insurance payment guarantee examination to the insurance company reviewer.

The insurance subscriber database unit 420 stores data on an insurance subscriber, data on an insurance contract application, and data on an offer.

The insured's data includes the insured's name, gender, age, address, social security number, email address, telephone number and mobile phone number.

The data on the insurance application form includes information on the insured, including the insured's name, gender, age, address, social security number, e-mail address, telephone number, and mobile phone number, and whether there is a current illness, diagnosis name, due date, and due date. Includes disease information, including information on periods, insurance information, including insurance items, date of coverage, amount paid, premiums paid, insurance periods, medical insurance coverage limits, and insurance contract loan limits. do.

The data on the subscription form includes information about the policyholder, including the policyholder's name, gender, age, address, social security number, marital status, religion status, e-mail address, telephone number, mobile phone number and bank account number, and smoking status (in the past). And current smoking status, including degree of smoking), past illnesses (including past illnesses, diagnosis, completeness), current illnesses (including current illnesses, diagnosis, due date and status), medical staff (including Disease information, including the name, medical institution name, position, medical institution's address, medical institution's contact information, email address of medical institution), insurance item, member, subscription amount, payment insurance, payment method, termination refund amount It includes information on the amount of the maturity refund, the amount of the previous loan, the period of insurance, and the insurance organization (including the name of the person in charge and the contact number of the person in charge).

The payment database unit 430 stores information on insurance payments paid by the insured, loans paid to the insured under the insurance contract, and the amount of the medical expenses paid.

The insurance examination output unit 440 outputs insurance subscriber information, insurance contract application form, subscription form and payment information necessary for insurance examination.

The third control unit 450 centrally controls the insurance review receiving unit 410, the insurance subscriber database unit 420, the payment database unit 430, and the insurance review output unit 440, and encrypts the data from the relay server 300. Receives and decrypts the electronic document data, checks the information on the payment guarantee limit, checks the subscriber's information and credit information, generates payment guarantee consent data accordingly, and establishes the pledge of the insurance subscriber's loan. Convert the payment guarantee consent data into encrypted electronic document data and transmit it to the relay server 300, and if the received examination result cannot pay the medical expenses payment guarantee, the insurance contract loans to the relay server 300. Receives the use of the insurance contract loan by sending whether the use of, and if using the insurance contract loan, transfer the insurance contract loan to the relay server 300 And performs a function to release the insurance contract, if one does not use the loan to pay medical bills or guarantees pledged amounts if the payment possible.

The encrypted electronic document data is encrypted payment guarantee consent data generated from the insurance company server 400, and includes the information of the medical institution and the insurance company.

The payment guarantee consent data includes information of a result of querying the payment guarantee limit.

In the present embodiment, the proof document required for the medical expenses payment guarantee examination is set to include a medical history confirmation document and a document for claiming the payment amount according to the insurance contract, but the present invention is not limited thereto.

The insurance subscriber terminal 500 receives and stores whether the insurance contract loan is used for payment of medical expenses from the relay server 300 as a text message or a voice message, and stores the insurance contract in the insurance company server 400 from the insurance subscriber. It performs the function of transmitting whether the loan is used or not.

To this end, the insurance subscriber terminal 500 includes a receiver 510, a communication unit 520, a memory unit 530, and a display unit 540.

The receiver 510 receives from the insured whether or not to use the insurance contract loan for payment of medical expenses.

The communication unit 520 is capable of wired and wireless communication, and receives through the back-line processing unit 320 of the relay server 300 whether the use of the insurance contract loan for payment of medical expenses in a text message or voice message, the insurance contract loan of Whether to use is transmitted to the back line business processing unit 320.

The memory unit 530 stores a text message or a voice message received from the back line business processor 320.

The display unit 540 displays a text message or a voice message from the memory unit 530.

The fourth controller 550 centrally controls the receiver 510, the communicator 520, the memory 530, and the display 540.

The encryption and decryption of a payment guarantee system using an insurance contract loan according to an embodiment of the present invention will be described below.

The payment guarantee system using an insurance contract loan according to an embodiment of the present invention adopts a public key infrastructure (PKI) to use a public key for encryption and a private secret key for decryption. .

At this time, the medical institution server converts the payment guarantee application data into encrypted electronic document data using the public key and transmits the encrypted electronic document data to the relay server, and decrypts the encrypted electronic document data received from the relay server with the secret key.

In addition, the relay server decrypts only the insurance company information and the medical institution information with the secret key and encrypts the encrypted electronic document data received from the medical institution server or the insurance company server, re-encrypts it with the public key, and the electronic document data received from the medical institution server is transferred to the insurance company server. The electronic document data received from the insurance company server is transmitted to the medical institution server.

The insurance company server receives the encrypted electronic document data from the relay server, decrypts the payment guarantee application data using a secret key, and checks the payment guarantee application data to encrypt the payment guarantee acceptance data generated by the public key. The data is converted into electronic document data and transmitted to the relay server.

Payment guarantee method using a payment guarantee system in which the medical institution server 200, the relay server 300, the insurance company server 400 and the insurance subscriber terminal 500 is connected to the network 100 (hereinafter, 'payment guarantee method' ) Is as follows.

The overall flow of the payment guarantee method according to an embodiment of the present invention will be described with reference to FIG.

2 is a flowchart illustrating a payment guarantee method according to an embodiment of the present invention.

The relay server 300 receives the payment guarantee application data from the medical institution server 200 as encrypted electronic document data (S2).

The encrypted electronic document data of step S2 is an encrypted payment guarantee application data, and includes medical institution information and insurance company information.

The relay server 300 transmits the encrypted electronic document data of the payment guarantee application data to the insurance company server 400, so that the insurance company server 400 to pledge the insurance contract loan (S4). The relay server 300 receives payment guarantee consent data from the insurance company server 400 as encrypted electronic document data (S6).

The relay server 300 transmits the encrypted electronic document data to the medical institution server 200 so that the medical institution server sets the amount of the result of retrieving the payment guarantee limit of the payment guarantee acceptance data as receivable (S8).

The encrypted electronic document data of step S8 is encrypted payment guarantee consent data, and includes medical institution information and insurance company information.

Receiving the encrypted electronic document data from the insurance company server 400 of the step S8 is paid by the third control unit 450 of the insurance company server 400 according to the insurance subscriber information of the insurance subscriber database unit 420 and the insurance contract The payment guarantee acceptance data generated based on the amount information according to the result of inquiring the guarantee limit is converted into encrypted electronic document data and transmitted to the second control unit 340 of the relay server 300.

The relay server 300 receives the transfer information in which the insurance company server 400 transfers the amount of the result of inquiring the payment guarantee limit according to the examination result to the virtual account in the name of the medical institution, and the payment of the medical expense payment guarantee amount is possible. If not or if the insurance contract loan is not used, to release the pledge for the insurance contract loan (S10).

The relay server 300 transmits the transfer information received from the insurance company server 400 to the medical institution server 200, so that the medical institution server to offset the receivables (S12). The relay server 300 receives medical expenses payment completion information from the medical institution server (S14).

The second step S2 will be described in detail with reference to FIG. 3.

3 is a detailed flowchart of transmitting payment guarantee application data as encrypted electronic document data to a relay server according to an embodiment of the present invention.

The first control unit 250 of the medical institution server 200 receives the medical expenses information generated by the treatment of the insurance subscriber through the data receiving unit 210, and receives the information of the medical expenses payment guarantee application as payment guarantee application data (S22). .

The first controller 250 stores in the accounting database 230 the medical expenses information generated by the medical care for the insured subscriber received from the data receiver 210, and stores the payment guarantee application data in the accommodation database 220. Save (S24).

The first control unit 250 converts the payment guarantee application data into encrypted electronic document data and transmits it to the second control unit 340 of the relay server 300 (S26).

The pledge of insurance policy loans of step S4 will be described in detail with reference to FIG. 4 as follows.

Figure 4 is a detailed flow chart for setting the pledge for insurance contract loans according to an embodiment of the present invention.

The third control unit 450 of the insurance company server receives the encrypted electronic document data from the second control unit 340 of the relay server 200, decrypts the information of the insurance subscriber, and approves the payment guarantee application data (S32).

The third control unit 450 generates payment guarantee acceptance data based on the information of the insurance subscriber stored in the insurance subscriber database unit 420 and the amount information according to the payment guarantee limit inquiry result according to the insurance contract (S34).

The third controller 450 pledges the insurance contract loan (S36).

Receivable setting by the medical institution server in step S8 will be described in detail with reference to FIG. 5 as follows.

5 is a detailed flowchart for setting receivables by a medical institution server according to an exemplary embodiment of the present invention.

The first control unit 250 of the medical institution server 200 receives the payment guarantee consent data from the second control unit 340 of the relay server 300 as encrypted electronic document data (S42).

The first control unit 250 decrypts the encrypted electronic document data and stores payment guarantee acceptance data in the storage database unit 220 (S44).

The first control unit 250 outputs the medical expenses excluding the amount according to the result of inquiring the payment guarantee limit of the payment guarantee acceptance data from the total medical expenses through the data output unit 240, and according to the payment guarantee limit inquiry result. The medical institution server operator receives the medical expenses other than the amount of money, and receives the medical expenses information received from the medical institution server operator through the data receiving unit 210 (S46).

The first control unit 250 stores the medical cost information in the accounting database unit 230 through the data receiving unit 210 (S48).

The first control unit 250 sets the amount of the payment guarantee limit inquiry result of the payment guarantee acceptance data as receivables, and stores the set receivables in the accounting database unit 230 (S50).

The money transfer by the insurance company server in step S10 will be described in detail with reference to FIG. 6 as follows.

Figure 6 is a detailed flow diagram of the money transfer by the insurance company server according to an embodiment of the present invention.

The third control unit 450 of the insurance company server 400 receives the result of the examination based on the proof of proof document and the payment guarantee application data through the insurance examination receiving unit 410 (S52).

The third controller 450 determines whether the medical expenses payment guaranteed amount can be paid according to the examination result received through the insurance examination receiving unit 410 (S54).

As a result of the determination in step S54, when payment of the medical expenses payment guarantee amount according to the insurance contract is impossible, the third control unit 450 transmits the medical expenses payment guarantee amount payment impossible information to the back office processing unit 320 of the relay server 300. (S56).

The third control unit 450 receives and determines whether to use the insurance contract loan through the back office processing unit 320 (S58).

As a result of the determination in step S58, when using the insurance contract loan, the third controller 450 transfers the insurance contract loan within the insurance contract loan limit to the payment gateway 330 of the relay server 300, and makes a payment. The database unit 430 stores the information of the insurance contract loan (S60).

As a result of the determination in step S54, when the medical expenses payment guarantee amount can be paid according to the insurance contract, the third controller 450 transfers the medical expenses payment guarantee amount to the payment gateway 330 of the relay server 300. In operation S62, the medical expenses payment guarantee amount information according to the insurance contract is stored in the payment database unit 430.

The third control unit 450 of the insurance company server 400 releases the pledge of the insurance contract loan limit (S64).

As a result of the determination in step S58, when the insurance contract loan is not used, the third controller 450 receives the direct payment target information of the insurance subscriber from the insurance subscriber terminal 500 through the back office processing unit 320. (S66).

The third control unit 450 releases the pledge for the insurance contract loan (S68).

In the release of the pledge in step S68, when the medical institution server 200 receives the information of the receivable from the insurance subscriber, the relay server 300 receives the payment from the insurance subscriber from the medical institution server 200. The payment information is received and payment information is sent to the insurance company server 400 to release the pledge for the insurance contract loan.

In addition, when the relay server 300 receives the information received from the insured, the receivables set by the medical institution server, the relay server 300 sends the payment information to the medical institution server 200 through the virtual account of the medical institution name, to the insurance company server 400 Send payment information to release pledges on insurance loans.

When the insurance company server 400 receives information from the insured, who has received the receivable set by the medical institution server, the insurance company server 400 releases the pledge of the insurance contract loan.

Referring to FIG. 7, the account receivable offset processing by the medical institution server in step S12 will be described in detail as follows.

7 is a detailed flowchart of transmitting medical expenses payment completion information by a medical institution server according to an embodiment of the present invention to a relay server.

The medical institution server 200 receives the transfer information received from the insurance server server 400 from the insurance company server 400 to the virtual account of the relay server 300 from the relay server (S72).

The medical institution server 200 offsets the receivables based on the transfer information received from the relay server 300 (S74).

The medical institution server 200 transmits the medical expenses payment completion information including the information to which the receivables are offset, to the relay server 300 (S76).

As described above and described with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as described above, it is a deviation from the scope of the technical idea It will be understood by those skilled in the art that many modifications and variations can be made to the invention without departing from the scope of the invention. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention.

According to the present invention as described above, the relay server connected to the medical institution server and the insurance company server network receives the payment guarantee application data from the medical institution server as encrypted electronic document data and transmits it to the insurance company server, the payment guarantee acceptance data from the insurance company server To receive the encrypted electronic document data and transmit it to the medical institution server, and the amount of the result of searching the payment guarantee limit from the insurer server is transferred to the virtual account, and the transfer information is transmitted to the medical institution server to guarantee the payment of the medical expenses of the insured. It is effective.

In addition, through the encryption and decryption operation of the electronic data from the medical institution server to the insurance company server through the relay server, there is an effect of ensuring confidentiality, denial of containment, integrity.

Claims (15)

In the payment guarantee system using insurance loans, A network 100 linking the medical institution server 200, the relay server 300, and the insurance company server 400; Transfer payment guarantee application data including insurance subscriber information, medical institution information and insurance company information to the relay server, receive payment guarantee acceptance data including the payment guarantee limit inquiry result amount from the relay server, and query the payment guarantee limit Set the amount to receivables, receive the transfer information received from the insurer server through the relay server, generate the offset processing control signal to offset the receivables based on the received transfer information to generate offset processing information A medical institution server 200 configured to transmit medical expenses payment completion information including generated offset processing information to a relay server; Receive payment guarantee application data from the medical institution server, transmit the payment guarantee application data to the insurance company server, receive payment guarantee consent data from the insurance company server, transmit the payment guarantee consent data to the medical institution server, insurance contract Receives the use of the loan and transmits the use of the insurance contract loan to the insurer server, receives the amount of the result of inquiring the payment guarantee limit from the insurer server, and transfers the transfer information to the medical institution server. And relay server 300 for receiving the medical expenses payment completion information from the medical institution server; And Receiving the payment guarantee application data from the relay server, the information on the insurance subscriber and insurance contract loan limit is generated to generate a pledge control signal to pledge insurance contract loan, and to set the payment guarantee limit according to the insurance contract The payment guarantee acceptance data including information on the amount of the inquiry result is transmitted to the relay server, and the amount of the result of inquiring the payment guarantee limit according to the examination result is transferred to the virtual account of the relay server, An insurance company server 400 for generating a pledgement release control signal for releasing pledges for insurance contract loans when payment is possible or when an insurance contract loan is not used; Payment guarantee system using an insurance contract loan, comprising a. The method of claim 1, The medical institution server 200, The insurance contract loan from the insurance company server 400 to receive the encrypted electronic document data encrypted through the relay server 300, and the insurance contract loan, characterized in that to decrypt the received electronic document data into the payment guarantee consent data Used payment guarantee system. The method of claim 1, The insurance company server 400, The insurance contract loan from the medical institution server 200 receives the payment guarantee application data as encrypted electronic document data through the relay server 300, and decrypts the received electronic document data into payment guarantee application data Used payment guarantee system. The method of claim 1, An insurance subscriber terminal 500 which receives the use of the insurance contract loan from the relay server 300 in a text message or a voice message and transmits the use of the insurance contract to the relay server; Payment guarantee system using an insurance contract loan, characterized in that it further comprises. The method of claim 1, The medical institution server 200, A data receiver 210 for receiving payment guarantee application data including a medical expenses payment guarantee application; Storage database unit 220 for storing the payment guarantee application data including the payment guarantee application data including the medical expenses payment guarantee application received through the data receiving unit 210 and the electronic document data encrypted from the relay server 300 to store the received payment guarantee acceptance data ); An accounting database unit 230 for storing medical expenses information including medical expenses incurred by medical treatment for an insurance subscriber, and an amount of a payment guarantee limit inquiry result of the payment guarantee consent data; A data output unit 240 for outputting payment guarantee application data stored in the accommodation database unit 220 and medical expenses information stored in the accounting database unit 230; And A first control unit 250 for centrally controlling the data receiving unit 210, the storing database unit 220, the accounting database unit 230, and the data output unit 240; Payment guarantee system using an insurance contract loan, comprising a. The method of claim 1, The relay server 300, A log database unit 310 storing logs for transmitting and receiving electronic document data; A back-end business processor 320 which receives whether the insurance contract loan is used for paying medical expenses and transmits whether the insurance contract loan is used to the insurance company server 400; As a virtual account opened in the name of the medical institution, the payment gateway 330 for receiving the transfer amount of the payment guarantee limit inquiry result from the insurance company server 400 to the virtual account of the name of the medical institution to store the transfer information; And A second control unit 340 for centrally controlling the log database unit 310, the back line processing unit 320, and the payment gateway unit 330; Payment guarantee system using an insurance contract loan, comprising a. The method of claim 1, The insurance company server 400, An insurance examination receiver 410 for receiving an insurance examination result; An insurance subscriber database unit 420 for storing data on an insurance subscriber, data on an insurance contract application, and data on an offer; A payment database unit 430 for storing information about loans paid to the insured and medical expenses payment guarantee amount according to the insurance contract; An insurance examination output unit 440 which outputs insurance subscriber information, insurance contract application form, subscription form and payment information necessary for insurance examination; And A third control unit 450 which centrally controls the insurance examination receiving unit 410, the insurance subscriber database unit 420, the payment database unit 430, and the insurance examination output unit 440; Payment guarantee system using an insurance contract loan, comprising a. The method of claim 4, wherein The insurance subscriber terminal 500, Receiving unit 510 for receiving the use of the insurance contract loan for payment of medical expenses; The communication unit 520 may enable wired / wireless communication, and receives from the relay server 300 whether the insurance contract loan is used for payment of medical expenses in a text message or a voice message, and returns whether the insurance contract loan is used to the relay server. ; A memory unit (530) for storing a text message or a voice message received from the relay server 300; A display unit 540 for displaying a text message or a voice message stored in the memory unit 530; And A fourth controller 550 for centrally controlling the receiver 510, the communicator 520, the memory 530, and the display 540; Payment guarantee system using an insurance contract loan, characterized in that comprises a In the medical institution server 200, the relay server 300 and the insurance company server 400 in the payment guarantee method using a payment guarantee system using an insurance contract loan linked to the network 100, (a) the relay server 300 receiving the payment guarantee application data from the medical institution server 200 as encrypted electronic document data; (b) the relay server 300 transmitting the encrypted electronic document data to an insurance company server 400 so that the insurance company server 400 generates a pledge control signal for pleading insurance contract loans; (c) receiving, by the relay server, the payment guarantee consent data from the insurance company server 400 as encrypted electronic document data; (d) the relay server 300 transmitting the payment guarantee consent data to the medical institution server 200 as encrypted electronic document data so that the medical institution server sets the amount of the result of retrieving the payment guarantee limit as receivable; (e) the relay server 300 stores the transfer information received from the insurance company server 400 based on the examination result and the amount of the result transferred to the virtual account in the name of the medical institution, and the insurance company server 400 When it is impossible to pay the medical expenses payment guarantee according to the result of the screening), when the insurance loan is transmitted to the insurance company server 400 to pay the medical expenses payment amount, or when the insurance contract loan is not used. The insurance company server 400 generating a pledge release control signal for releasing pledge for the insurance contract loan; (f) the relay server 300 transmitting the transfer information received from the insurance company server 400 to the medical institution server 200 so that the medical institution server generates an offset processing control signal for offsetting the receivables. ; And (g) receiving, by the relay server, medical expenses payment completion information from the medical institution server; Payment guarantee method comprising a. The method of claim 9, Step (a) is, (a-1) the medical institution server 200 receiving the medical expenses information generated by the treatment for the insured through the data receiving unit 210 and receiving the medical expenses payment guarantee application as the payment guarantee application data; (a-2) the medical institution server 200 storing medical expenses information and payment guarantee application data; And (a-3) the medical institution server 200 converting the payment guarantee application data into encrypted electronic document data and transmitting it to the relay server 300; Payment guarantee method comprising a. The method of claim 9, In step (b), (b-1) the insurance company server 400 receiving encrypted electronic document data from the relay server 200 to decrypt the insurance subscriber information; (b-2) generating, by the insurance company server 400, payment guarantee acceptance data based on the information of the subscriber and the information according to the payment guarantee limit inquiry result according to the insurance contract; And (b-3) generating, by the insurance company server 400, a pledge setting control signal to pledge insurance contract loans; Payment guarantee method comprising a. The method of claim 9, In step (d), (d-1) the medical institution server 200 receiving the payment guarantee consent data from the relay server 300 as encrypted electronic document data; (d-2) the medical institution server 200 storing the payment guarantee acceptance data by decrypting the encrypted electronic document data; (d-3) receiving, by the medical institution server 200, the medical expenses information excluding the amount of the result of inquiring the payment guarantee limit of the payment guarantee acceptance data through the data receiving unit 210; And (d-4) setting an amount of receivables as a result of inquiring a payment guarantee limit of the payment guarantee acceptance data; Payment guarantee method comprising a. The method of claim 9, The step (e) is (e-1) the insurance company server 400 receiving the examination result through the insurance examination receiver 410; (e-2) determining, by the insurance company server 400, the received audit result; (e-3) As a result of the determination in the step (e-2), if the payment of the medical expenses payment amount according to the insurance contract is impossible, the insurance company server 400 relays the impossible information on the payment of the medical expenses payment guarantee amount to the relay server ( Transmitting to 300 and receiving whether to use the insurance contract loan from the relay server 300; (e-4) determining whether the insurance company server 400 uses the insurance contract loan received from the relay server 300; (e-5) As a result of the determination in the step (e-4), when the insurance contract loan is used, the payment gateway 330 which is the virtual account of the insurance contract server 400 relays the server 300 to the insurance contract loan. Transferring to; (e-6) As a result of the determination in the step (e-2), when the payment of the medical expenses payment amount according to the insurance contract is possible, the payment gateway of the insurance company server 400 is a virtual account of the relay server 300. Transferring the medical expenses payment guaranteed amount to 330; And (e-7) generating, by the insurance company server 400, a pledge release control signal for releasing pledge for insurance contract loan; Payment guarantee method comprising a. The method of claim 13, As a result of the determination of step (e-4), When the insurance contract loan is not used, the insurance company server 400 receiving direct payment target information of the insured subscriber from the relay server 300; And The insurance company server 400 is a payment guarantee method, characterized in that for generating a pledge release control signal for releasing the pledge for insurance contract loans. The method of claim 9, Step (f), (f-1) the medical institution server 200 receiving, from the relay server, transfer information received from the insurance company server 400 to the virtual account of the relay server 300 in an amount corresponding to the receivable; (f-2) generating the offset processing information by generating a offset processing control signal for offsetting the receivables based on the transfer information received from the relay server by the medical institution server; And (f-3) transmitting, by the medical institution server, the medical expenses payment completion information to the relay server, including the offsetting processing information for offsetting the receivables based on the transfer information received from the relay server; Payment guarantee method comprising a.

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