KR102638434B1 - Apparatus and method for processing a paymnet - Google Patents

Abstract

This disclosure relates to a method and device for processing payments. A payment processing method according to some embodiments of the present disclosure includes the steps of receiving payment request information from a higher node, and identifying a payment node based on at least a portion of the payment request information. , In response to transmitting the payment request information to the payment node and receiving payment information corresponding to the payment request information from the payment node, processing a transaction based on the payment information, wherein the upper The node is connected to a first node that is a lower node of the upper node and a second node that is distinct from the first node, and the payment request information includes first cost information for the first node and the second node. and second cost information for the transaction, wherein the step of processing the transaction includes processing the first transaction for the first node based on the payment information corresponding to the first cost information and the second cost information. It may include processing a second transaction for the first node based on the payment information corresponding to.

Description

Payment processing method and device {APPARATUS AND METHOD FOR PROCESSING A PAYMNET}

This disclosure relates to a method and device for processing payments. More specifically, it relates to a method and device for integratedly processing transactions for other nodes associated with an upper node, based on payment request information received from the upper node.

Co-care means that one caregiver takes care of two or more patients. Collaborative care is usually used to care for multiple patients hospitalized in medical facilities such as hospitals. In this joint care market, transactions are carried out through direct business agreements between caregiver supply companies (e.g., caregiver associations) that have a large pool of caregivers and caregiver demand companies (e.g., medical facilities).

Patients who use caregiver demand companies generally want to pay for medical services provided by the caregiver demand company and nursing services provided by the caregiver supply company at once to the caregiver demand company. Therefore, the caregiver demand company processes payment for the patient's medical treatment costs and nursing care costs at once, and settles the received care costs to the caregiver supplier.

However, according to the above method, amounts that should not be counted as sales of companies in demand for caregivers (e.g., care costs) are counted as sales of companies in demand for caregivers, so companies in demand for caregivers may bear excessive corporate tax. In addition, since the caregiver demand company deducts the commission from the care costs paid to ease the corporate tax burden, there is a problem in that the caregiver supplier does not receive compensation commensurate with the care services provided.

Therefore, there is a need for a joint care platform that can rationally distribute and process patients' payments for services provided by each of the caregiver suppliers and caregiver demand companies participating in the joint care market in an integrated manner.

Korean Patent Publication No. 10-2018-0113728 (published on October 17, 2018)

The technical problem to be solved through some embodiments of the present disclosure is to provide a device that can process compensation for services provided by different entities at once and a method performed by the device.

Another technical problem to be solved through some embodiments of the present disclosure is a device that can reasonably distribute the integrated payment amount to each entity according to the compensation for services provided by different entities, and is performed in the device. It provides a way to do so.

The technical problems of the present disclosure are not limited to the technical problems mentioned above, and other technical problems not mentioned can be clearly understood by those skilled in the art from the description below.

In order to solve the above technical problem, a payment processing method according to some embodiments of the present disclosure includes the steps of receiving payment request information from a higher node, and at least part of the payment request information. identifying a payment node based on the payment node, transmitting the payment request information to the payment node, and in response to receiving payment information corresponding to the payment request information from the payment node, processing a transaction based on the payment information. Including the step of, wherein the upper node is connected to a first node that is a lower node of the upper node and a second node that is distinct from the first node, and the payment request information is a first node for the first node. It includes cost information and second cost information for the second node, and the step of processing the transaction includes processing the first transaction for the first node based on the payment information corresponding to the first cost information. and processing a second transaction for the first node based on the payment information corresponding to the second cost information.

In some embodiments, each of the upper node, the payment node, the first node, and the second node may be a node constituting a private blockchain network. Here, the wallet addresses of the nodes constituting the private blockchain network can be managed in association with each of the corresponding nodes from the time each of the nodes is approved in the private blockchain network. Additionally, processing the transaction may include recording the payment information in blockchain data managed by nodes constituting the private blockchain network.

In some embodiments, receiving the payment request information may include verifying at least a portion of the first cost information and the second cost information included in the payment request information.

In some embodiments, identifying the payment node includes identifying the payment node based on a target wallet address included in the payment request information, wherein the target wallet address is a wallet of the payment node. It could be an address.

In some embodiments, the identifying the payment node includes identifying a first payment node and the payment request information based on a first target wallet address included in the payment request information, and the first It may include identifying a second payment node based on a second target wallet address that is different from the target wallet address. Here, transmitting the payment request information to the payment node includes transmitting first payment request information to the first payment node and transmitting second payment request information to the second payment node. , the first payment request information includes first division cost information and second division cost information obtained by dividing each of the first cost information and the second cost information according to a first standard ratio, and the second payment request. The information includes third division cost information and fourth division cost information obtained by dividing each of the first cost information and the second cost information according to a second standard ratio, and the first division cost information includes the first division cost information. The cost information is divided according to the first standard ratio, the second division cost information is divided into the second cost information according to the first standard ratio, and the third division cost information is the first division cost information. The cost information may be divided according to the second standard ratio, and the fourth divided cost information may be the second cost information divided according to the second standard ratio. At this time, the step of processing the transaction is based on the payment information of the first payment node corresponding to the first division cost information and the payment information of the second payment node corresponding to the third division cost information. Processing the first transaction for a first node and providing payment information of the first payment node corresponding to the second split cost information and payment information of the second payment node corresponding to the fourth split cost information. Based on this, it may include processing the second transaction for the second node.

In some embodiments, transmitting the payment request information to the payment node may include providing a notification including a link to a payment page of an application mounted on the payment node.

In some embodiments, transmitting the payment request information to the payment node may include verifying the payment node. Here, it may include verifying the payment node based on a comparison result between pre-stored identification information corresponding to the payment node and verification information transmitted from the payment node.

A method of processing integrated payment for medical expenses and nursing expenses according to some other embodiments of the present disclosure is a method performed by a computing device that provides an application for integrated payment of expenses incurred due to the use of a medical facility, comprising: a medical facility terminal; Receiving payment request information from, identifying a payer terminal based on at least part of the payment request information, transmitting the payment request information to the payer terminal, and the payment request information from the payer terminal In response to receiving payment information corresponding to, processing a transaction based on the payment information, wherein the medical facility terminal is connected to a medical fee settlement terminal and a nursing fee settlement terminal, and the payment request information includes the medical fee settlement terminal. It includes medical fee information for the settlement terminal and nursing fee information for the nursing fee settlement terminal, and the step of processing the transaction includes processing a first transaction for the medical fee settlement terminal based on the medical fee information and the nursing fee. Based on the information, it may include processing a second transaction for the nursing care fee settlement terminal.

In some other embodiments, receiving the payment request information may include verifying at least a portion of the medical fee information and the nursing fee information. Here, the verifying step includes comparing health care information collected from an external database of the computing device with the medical fee information, and if the health care information and the medical fee information do not match as a result of the comparison, the medical facility terminal Providing a notification requesting correction of the payment request information or comparing the nursing care fee information with pre-stored nursing care information, and if the nursing care information and the nursing fee information do not match as a result of the comparison, the medical facility It may include providing a notification requesting correction of the payment request information to the terminal.

A payment processing device according to some other embodiments of the present disclosure includes a processor, a network interface, a memory, and a computer program loaded into the memory and executed by the processor, wherein the computer program is an upper node An instruction for receiving payment request information from, an instruction for identifying a payment node based on at least part of the payment request information, an instruction for transmitting the payment request information to the payment node, and the payment request information from the payment node. In response to receiving payment information corresponding to, instructions for processing a transaction based on the payment information, wherein the upper node includes a first node that is a lower node of the upper node and a first node that is distinct from the first node. Connected to 2 nodes, the payment request information includes first cost information for the first node and second cost information for the second node, and the instruction for processing the transaction includes the first cost information An instruction for processing a first transaction for the first node based on the payment information corresponding to and an instruction for processing a second transaction for the first node based on the payment information corresponding to the second cost information. may include.

1 illustrates an example environment in which a joint care platform providing server according to some embodiments of the present disclosure can be applied.
2 is an example flowchart illustrating a method of processing payments according to some embodiments of the present disclosure.
FIG. 3 is an example flowchart to explain in more detail the transaction processing operation described with reference to FIG. 2 .
4 to 6 are exemplary flowcharts showing a method of processing payments for two or more payment nodes.
Figure 7 is an exemplary flowchart showing a method of processing integrated payment for medical expenses and nursing expenses according to some other embodiments of the present disclosure.
8 and 9 are exemplary diagrams showing screens of a payer terminal that may be referenced in some embodiments of the present disclosure.
10 illustrates an example computing device that can implement devices and/or systems according to various embodiments of the present disclosure.

Hereinafter, preferred embodiments of the present disclosure will be described in detail with reference to the attached drawings. The advantages and features of the present disclosure and methods for achieving them will become clear by referring to the embodiments described in detail below along with the accompanying drawings. However, the technical idea of the present disclosure is not limited to the following embodiments and may be implemented in various different forms. The following examples are merely intended to complete the technical idea of the present disclosure and to be used in the technical field to which the present disclosure belongs. It is provided to fully inform those skilled in the art of the scope of the present disclosure, and the technical idea of the present disclosure is only defined by the scope of the claims.

When adding reference numerals to components in each drawing, it should be noted that the same components are given the same reference numerals as much as possible even if they are shown in different drawings. Additionally, in describing the present disclosure, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present disclosure, the detailed description will be omitted.

Unless otherwise defined, all terms (including technical and scientific terms) used in this specification may be used with meanings that can be commonly understood by those skilled in the art to which this disclosure pertains. Additionally, terms defined in commonly used dictionaries are not interpreted ideally or excessively unless clearly specifically defined. The terminology used herein is for the purpose of describing embodiments and is not intended to limit the disclosure. As used herein, singular forms also include plural forms, unless specifically stated otherwise in the context.

Additionally, in describing the components of the present disclosure, terms such as first, second, A, B, (a), and (b) may be used. These terms are only used to distinguish the component from other components, and the nature, sequence, or order of the component is not limited by the term. When a component is described as being “connected,” “coupled,” or “connected” to another component, that component may be directly connected or connected to that other component, but there is another component between each component. It will be understood that elements may be “connected,” “combined,” or “connected.”

As used in the specification, “comprises” and/or “comprising” refers to the presence of one or more other components, steps, operations and/or elements. or does not rule out addition.

In this specification, “node” may refer to an entity that constitutes a network of a payment processing system. Each “node” may be implemented as a computing device. For a specific example, the "parent node" in this specification may be a "medical facility terminal" that comprehensively manages payment for expenses at a medical facility, and the "first node" may be a "medical facility terminal" that processes transactions for medical expenses. It may be a “settlement terminal”, the “second node” may be a “nursing care fee settlement terminal” that processes transactions for care costs, and the “payment node” may be a “payer terminal” that approves payments for various costs. there is. For convenience of explanation, in the description below, "nodes" will be described according to the examples described above as examples, but the scope of the present disclosure is not limited to the examples described above, and all that meet the definition of "node" It should be noted that these may be included within the scope of the present disclosure.

In this specification, “blockchain network” may mean a network with a P2P structure consisting of a plurality of blockchain nodes operating according to a blockchain algorithm. Here, the above-mentioned "nodes" may be blockchain nodes, and each node may be the entity that maintains and manages blockchain data (e.g., creation, propagation, verification, and recording of blocks). In some embodiments, some subjects in this specification may be full nodes, and others may be light nodes. For example, the “joint care platform providing server” in Figure 1 may be a full node, and the others may be light nodes.

In this specification, “private blockchain network” may mean a blockchain network formed in which only approved blockchain nodes participate. According to the “private blockchain network,” the participation of unauthorized and unspecified nodes is excluded, so computing resources can be saved by eliminating the need for excessive proof-of-work required for block creation, and each entity participating in the blockchain network Payments can be processed more safely.

Hereinafter, various embodiments of the present disclosure will be described in detail with reference to the attached drawings.

Figure 1 shows an example environment in which the joint care platform providing server 100 according to some embodiments of the present disclosure can be applied. Figure 1 shows one medical facility terminal 200, one nursing fee settlement terminal 300, and one payer terminal 400 applied, but this is only for convenience of understanding and may be applied. The number of terminals (200, 300, 400) can vary. Meanwhile, Figure 1 only shows a preferred embodiment for achieving the purpose of the present disclosure, and some components may be added or deleted as needed.

Hereinafter, each component shown in FIG. 1 will be described in detail.

First, the joint care platform providing server 100 may receive payment request information from the medical facility terminal 200 connected to the network. Here, the joint care platform providing server 100 may identify the payer terminal 400 based on at least part of the payment request information and may transmit payment request information to the identified payer terminal 400. Additionally, the joint care platform providing server 100 may respond to payment information corresponding to payment request information received from the payer terminal 400 and process a transaction based on the payment information. Here, a transaction based on payment information may be a transaction corresponding to medical fee information or a transaction corresponding to nursing fee information. At this time, the processing target of each transaction may be different. In order to avoid redundant description, more specific operations performed by the joint care platform providing server 100 will be described later with reference to FIGS. 2 to 9.

The above-described joint care platform providing server 100 may be implemented with one or more computing devices. For example, all functions of the joint care platform providing server 100 may be implemented in a single computing device. As another example, the first function of the joint care platform providing server 100 may be implemented in a first computing device, and the second function may be implemented in a second computing device. Here, the computing device may be a laptop, a desktop, a laptop, etc., but is not limited thereto and may include all types of devices equipped with a computing function. However, in an environment where the co-care platform providing server 100 must process various information in conjunction with various terminals 200, 300, and 400, the co-care platform providing server 100 is implemented as a high-performance server-class computing device. It may be desirable. Refer to FIG. 10 for an example of a computing device.

Next, the medical facility terminal 200 is operated by a co-care platform providing server (100) based on medical fee information indicating the fee for medical services provided by the medical facility and nursing fee information indicating the fee for nursing services provided by the co-caregiver. ) You can send payment request information to .

The medical facility terminal 200 described above may include a medical fee settlement terminal 210. In this case, the medical fee settlement terminal 210 may be configured with different logic within the same computing device as the medical facility terminal 200, but may be connected through an internal network as a separate device. In addition, the medical fee settlement terminal 210 may be implemented independently for each department of a medical facility, and one or more medical fee settlement terminals 210 may be included in the medical facility terminal 200.

The medical fee settlement terminal 210 may be a terminal that processes transactions corresponding to medical fee information. In some cases, an amount corresponding to medical fee information may be transferred to a virtual account corresponding to the medical fee settlement terminal 210, and a virtual asset may be transferred to a virtual asset wallet corresponding to the medical fee settlement terminal 210. A sales slip may be created in the affiliated store number corresponding to the settlement terminal 210. Additionally, the nursing care fee settlement terminal 300 may be a terminal to process a transaction corresponding to the care fee information. In some cases, an amount corresponding to nursing fee information may be transferred to a virtual account corresponding to the nursing fee settlement terminal 300, and a virtual asset may be transferred to a virtual asset wallet corresponding to the nursing fee settlement terminal 300. A sales slip may be created in the affiliated store number corresponding to the settlement terminal 300.

Next, the payer terminal 400 may receive payment request information transmitted by the joint care platform providing server 100. Here, the payer terminal 400 may display cost information (e.g., medical fee information, nursing fee information) corresponding to the payment request information on the screen of the payer terminal 400. At this time, if the payment is approved by the user of the payer terminal 400, the payer terminal 400 may generate payment information and transmit the payment information to the joint care platform providing server 100.

The above-mentioned terminals (200, 210, 300, 400) may have a web browser or a dedicated application installed in order to process payments using a joint care platform. For example, the terminals (200, 210, 300) , 400) may be any one of a desktop, workstation, laptop, tablet, and smart phone, but is not limited to this, and is any device equipped with computing capabilities. It may include various types of devices.

In some embodiments, the environment in which the co-care platform providing server 100 is implemented may communicate over a network. The network can be implemented as all types of wired/wireless networks such as Local Area Network (LAN), Wide Area Network (WAN), mobile radio communication network, Wibro (Wireless Broadband Internet), etc. You can.

So far, an exemplary environment to which the joint care platform providing server 100 according to some embodiments of the present disclosure can be applied has been described with reference to FIG. 1 . Hereinafter, methods according to various embodiments of the present disclosure will be described with reference to FIGS. 2 to 9.

Each step of the methods to be described later may be performed by a computing device. In other words, each step of the above methods may be implemented as one or more instructions executed by a processor of a computing device. All steps included in the methods may be performed by a single physical computing device, but the first steps of the method are performed by a first computing device and the second steps of the method are performed by a second computing device. It may also be performed by. Hereinafter, the description will be continued assuming that each step of the above methods is performed by the joint care platform providing server 100 illustrated in FIG. 1. However, for convenience of explanation, the description of the operator of each step included in the above methods may be omitted.

Referring to FIG. 2, in step S100, payment request information may be received from the upper node.

Here, the upper node may be connected to the first node, which is a lower node of the upper node. Taking the example shown in FIG. 1, the upper node may be a medical facility terminal, and the first node may be a medical fee settlement terminal. Additionally, the upper node may be connected to a second node that is distinct from the first node. To explain the same example, the second node may be a nursing care fee settlement terminal.

Additionally, payment request information may include at least one cost information. Specifically, the payment request information may include first cost information for the first node and second cost information for the second node. Here, the first cost information may be medical fee information for the medical fee settlement terminal, and the second cost information may be nursing fee information for the nursing fee settlement terminal.

Additionally, the payment request information may include a target wallet address to identify the payment node. Here, the target wallet address may simply be an identifier (e.g., ID) to identify the payment node, but is not limited to this. If the environment is implemented in a blockchain network, the target wallet address is one of the essential information required for transaction creation. It may be the payer's electronic wallet address. In particular, in an environment implemented in a private blockchain network, the target wallet address can be managed as a white list in association with the payment node from the time the payment node is approved in the private blockchain network, so other nodes can also search the payment node. The target wallet address corresponding to the payment node can be included in the payment request information without any additional operation.

In some embodiments related to step S100, at least some of the cost information included in the payment request information may be verified.

For example, medical expense information included in payment request information may be verified. Specifically, health care information and medical fee information collected from an external database of the server providing the joint care platform can be compared, and if the health care information and medical fee information do not match as a result of the comparison, correction of the received payment request information can be requested. A notification can be provided to the terminal that transmitted payment request information. Here, the external database may be, for example, a database of a public data portal (eg, www.data.go.kr ), and is provided to patients using data (ie, health and medical information) provided by the Health Insurance Review and Assessment Service. It may be confirmed whether the medical service is matched (eg, whether the first medical service was provided to the first patient). According to this embodiment, if there is an error in the medical fee information included in the payment request information, correction of the error can be requested.

To explain with another example, nursing fee information included in payment request information may be verified. Specifically, pre-stored care information and care fee information can be compared, and if the care information and care fee information do not match as a result of the comparison, a notification requesting correction of the received payment request information is provided to the terminal that transmitted the payment request information. can do. Here, the nursing information is information related to the caregiver's history of providing nursing services to the patient, and it can be confirmed whether the nursing services provided to the patient are matched (e.g., whether the first nursing service was provided to the first patient). According to this embodiment, if there is an error in the care fee information included in the payment request information, correction of the error can be requested.

Next, in step S200, a payment node may be identified based on at least part of the payment request information. As described above, the payment node may be identified based on the target wallet address included in the payment request information. At this time, the target wallet address may be the wallet address of the payment node.

Next, in step S300, payment request information may be transmitted to the payment node. Here, it should be noted that at least part of the payment request information received from the upper node in step S100 may be modified. In this case, the payment request information received from the upper node will be referred to as 'first payment request information', and the payment request information transmitted to the payment node will be referred to as 'second payment request information'.

In some embodiments related to step S300, a notification containing a link to a payment page of an application mounted on the payment node may be provided. Here, there may be various ways in which notifications are provided. For example, a push notification from an application mounted on the payment node may be provided, and an SMS may be sent to the payment node, but it should be noted that the scope of the present disclosure is not limited to the above-described examples. According to this embodiment, the user of the payment node can check the provided notification and approve/reject the payment request information. For a more detailed explanation related to this, the description will be made with reference to FIG. 8.

Figure 8 shows an example of a payment page that can be confirmed at a payment node (e.g., a payer terminal). The payment page shown in FIG. 8 may display medical expense information including paid medical expenses (10), non-covered medical expenses (20), and nursing expense information including nursing expenses (30). Additionally, information regarding the total payment amount (40) to be borne by the payer, including covered medical expenses (10), non-covered medical expenses (20), and nursing expenses (30), may be displayed. The payer can check the information displayed through the payment page and approve/reject the payment.

In some other embodiments related to step S300, the payment node may be verified. Specifically, the payment node may be verified based on a comparison result between identification information corresponding to the payment node stored in advance and verification information transmitted from the payment node. Here, the identification information is information input and stored in advance from the payment node, and may refer to information for identifying the user of the payment node. For example, personal information used when signing up for a co-care platform using a payment node may be identification information, but the scope of the present disclosure is not limited thereto, and information entered in advance to identify the user of the payment node may be used as identification information. Any information can be identifying information. Additionally, verification information may mean information corresponding to identification information. For example, it may refer to information input from the user of the payment node in response to a verification request to verify the payment node. If the environment is implemented in a private blockchain network, information managed as a white list can be verification information without a separate verification request. According to this embodiment, by verifying the payment node, it is possible to prevent payment from being processed at a node (e.g., another payment node) unrelated to the payment request information.

The description will be made again with reference to FIG. 2 .

Next, in step S400, in response to receiving payment information corresponding to payment request information from the payment node, a transaction based on the payment information may be processed. Here, transactions can be processed in various ways. For example, transfer an amount corresponding to cost information to the virtual account of the node corresponding to the payment information, transfer virtual assets to the virtual asset wallet of the node corresponding to the payment information, or make a sale to the affiliated store number of the node corresponding to the payment information. You can create a slip. If virtual assets are transferred to a virtual asset wallet, payment information is recorded in blockchain data managed by the nodes that make up the blockchain network, making forgery and falsification of processed transactions difficult, and the reliability of transactions recorded in blocks can be improved. For a more detailed explanation related to step S400, it will be described with reference to FIG. 3.

Referring to FIG. 3, in step S410, a first transaction for a first node may be processed based on payment information corresponding to the first cost information, and a second node may be processed based on payment information corresponding to the second cost information. A second transaction for may be processed. To explain with a specific example, the first transaction for the medical fee settlement terminal may be processed based on payment information corresponding to the medical fee information included in the payment request information, and the nursing fee settlement terminal may be processed based on the payment information corresponding to the nursing fee information. A second transaction for may be processed. According to this embodiment, in response to a one-time payment by the payer, the cost corresponding to the service provided by each entity may be distributed and processed to each entity. In other words, even if the patient pays the medical treatment and nursing costs comprehensively for the medical facility, the medical treatment and nursing costs can be distributed to the corresponding entities.

In some embodiments related to the payment processing method shown in FIGS. 2 and 3, each of the upper node, payment node, first node, and second node may be a node constituting a private blockchain network. As described above, the upper node, payment node, first node, and second node may be light nodes, unlike the central management device (e.g., joint care platform providing server), which is a full node. According to this embodiment, since the participation of unauthorized and unspecified nodes is excluded, computing resources can be saved by eliminating the need for excessive proof of work required for block creation, and each entity participating in the blockchain network can make payments more safely. can be processed. Since detailed descriptions of operations such as creation, propagation, verification, and recording of blocks for transactions processed according to the blockchain algorithm are self-evident to those skilled in the art, detailed descriptions will be omitted.

In some embodiments related to a private blockchain network, the wallet addresses of the nodes constituting the network may be managed in association with each corresponding node from the time each node is approved for the private blockchain network. As described above, for example, a wallet address may be associated with a corresponding node and managed as a white list in a central management device (e.g., a server providing a joint care platform). Here, the time when each node is approved for the private blockchain network may mean the time when membership registration through the application mounted on each node is completed.

So far, with reference to FIGS. 2 and 3 , methods for processing transactions related to first cost information and second cost information through a single payment node have been described. Hereinafter, with reference to FIGS. 4 to 6 and related example drawings, methods for processing transactions related to first cost information and second cost information through two or more payment nodes will be described.

Referring to FIG. 4, based on the first target wallet address, the first payment node may be identified (S210), and based on the second target wallet address, the second payment node may be identified (S220). In other words, it can be understood that one payment request information can be requested by specifying two or more payment nodes. For a more detailed description related to the identification of the payment node, refer to step S200 of FIG. 2.

Next, first payment request information may be transmitted to the first payment node (S310), and second payment request information may be transmitted to the second payment node (S320). Here, the first payment request information may include first division cost information and second division cost information obtained by dividing each of the first cost information and second cost information according to a first standard ratio, and second payment request information. may include third division cost information and fourth division cost information obtained by dividing each of the first cost information and the second cost information according to a second standard ratio. For example, the first payment request information is payment request information transmitted to the first payer terminal, and is divided into first divided medical cost information and first divided nursing care fee information by dividing each of the medical fee information and nursing fee information according to the first standard ratio. It may include information, and the second payment request information is payment request information transmitted to a second payer terminal that is distinct from the first payer terminal, and each of the medical cost information and nursing cost information is divided according to the second standard ratio. It may include two-part medical cost information and second-part nursing fee information. For a more specific example, if there are two payer terminals, medical fee information is 200,000 won, nursing fee information is 100,000 won, and both the first and second standard ratios are 50%, the first payer terminal processes. The first installment of medical fee information to be processed is 100,000 won, the first installment of nursing fee information is 50,000 won, the second installment of medical fee information to be processed by the second payer terminal is 100,000 won, and the second installment of nursing fee information is 50,000 won. there is. In the above-mentioned examples, an example of two payer terminals is used, but it should be noted that the number of payer terminals may vary.

In some embodiments related to reference ratios, the sum of the first reference rate and the second reference rate may be 100%. Since it is reasonable for each payer terminal to fully bear the total amount of the first cost information and the second cost information, the sum of the first and second standard ratios may be 100%. In some cases, the sum of the first and second standard ratios may exceed 100%. In this case, the co-care platform operator can obtain revenue equivalent to cost information exceeding 100% as an operating fee for the co-care platform providing server. In the examples above, the standard ratio is written in the form of %, but any format that has the same meaning and can be modified may be the standard ratio.

In some other embodiments related to the reference rate, the first reference rate and the second reference rate may be determined based on personal information of the user of each payer terminal. For example, the asset status of the user of the first payer terminal and the asset status of the user of the second payer terminal may be compared to determine the first and second reference ratios at a reasonable ratio. Here, personal information on each payer terminal may be collected and stored in advance to obtain information about the asset status. In other words, since medical and nursing costs may be borne by the patient's guardians (e.g., children), medical and nursing costs can be reasonably divided according to the asset status of the guardians.

For more detailed explanations related to steps S310 and S320, they will be described with reference to FIG. 9. 9 is an exemplary diagram of one payer terminal related to a method of processing payment through two or more payer terminals. On the payment page shown in FIG. 9, information regarding the total payment amount 40 may be displayed. At this time, information about the first payment amount 41 to be borne by the user of the first payer terminal, information about the second payment amount 42 to be borne by the user of the second payer terminal, and the third payer Information regarding the third payment amount 43 to be borne by the user of the terminal may be displayed. Each payer can check information about the total payment amount (40) and the payment amount (41, 42, 43) to be borne by himself, and approve/reject the payment.

Figure 9 shows an example in which the payment amount is determined and displayed according to a predetermined standard rate. However, unlike this, the payment can be processed by receiving information about each payment amount in a text field. In addition, Figure 9 shows an example in which three fixed payers are determined and displayed according to criteria, but other users may be added as payers.

Hereinafter, with reference to FIGS. 5 and 6, methods for processing transactions according to payment information received from the first payment node and the second payment node will be described.

Referring to Figure 5, based on the payment information of the first payment node corresponding to the first division cost information and the payment information of the second payment node corresponding to the third division cost information, the first transaction for the first node It can be processed (S411, S412). For example, based on the payment information of the first payer terminal corresponding to the first divided medical fee information and the payment information of the second payer terminal corresponding to the second divided medical fee information, the first payment for the medical fee settlement terminal is provided. Transactions can be processed. Likewise, referring to FIG. 6, based on the payment information of the first payment node corresponding to the second division cost information and the payment information of the second payment node corresponding to the fourth division cost information, a second transaction for the second node This can be processed (S421, S422). For example, based on the payment information of the first payer terminal corresponding to the first divided care fee information and the payment information of the second payer terminal corresponding to the second divided care fee information, the second care fee settlement terminal Transactions can be processed. For a detailed description of processing transactions according to payment information, refer to step S400 of FIG. 2.

So far, with reference to FIGS. 4 to 6 and related example drawings, methods for processing transactions related to first cost information and second cost information through two or more payment nodes have been described. Hereinafter, an exemplary flow chart illustrating each subject in an environment to which the joint care platform providing server 100 is applied will be described with reference to FIG. 7 .

Referring to FIG. 7 , payment request information may be provided from the medical facility terminal 200 to the joint care platform providing server 100 (S10). Next, the joint care platform providing server 100 may verify cost information (S20). Next, the joint care platform providing server 100 may identify the payer terminal (S30). Next, the joint care platform providing server 100 may transmit payment request information to the payer terminal 400 (S40). Next, the joint caregiver platform providing server 100 may perform payer terminal verification (S50) through the payer terminal 400. Next, the payer terminal 400 may generate payment information (S60). Next, the payer terminal 400 may transmit payment information to the joint care platform providing server 100 (S70). Next, the joint care platform providing server 100 may process a first transaction targeting the medical fee settlement terminal 210 (S80) and process a second transaction targeting the care fee settlement terminal 300 (S90). can do.

So far, various methods of the present disclosure have been described with reference to FIGS. 2 to 9 . According to the described methods, it is possible to pay for expenses incurred due to the use of medical facilities non-face-to-face through an application mounted on a payment node (e.g., payer terminal). In particular, it can provide the convenience of payers making integrated payments for services provided by different entities (e.g., medical facilities, caregiver associations) at once. In addition, by rationally distributing the integrated payment amount to each entity, concerns about excessive corporate tax burden can be resolved and irrationality due to commissions can be resolved.

Hereinafter, an exemplary computing device 1500 capable of implementing a joint care platform providing server according to some embodiments of the present disclosure will be described in more detail with reference to FIG. 10.

The computing device 1500 includes one or more processors 1510, a bus 1550, a communication interface 1570, a memory 1530 that loads a computer program 1591 executed by the processor 1510, and a computer. It may include a storage 1590 that stores the program 1591. However, only components related to the embodiment of the present disclosure are shown in FIG. 10 . Accordingly, a person skilled in the art to which this disclosure pertains can recognize that other general-purpose components may be included in addition to the components shown in FIG. 10 .

The processor 1510 controls the overall operation of each component of the computing device 1500. The processor 1510 includes a Central Processing Unit (CPU), Micro Processor Unit (MPU), Micro Controller Unit (MCU), Graphic Processing Unit (GPU), or any type of processor well known in the art of the present disclosure. It can be. Additionally, the processor 1510 may perform an operation on at least one application or program to execute a method according to embodiments of the present disclosure. Computing device 1500 may include one or more processors.

The memory 1530 stores various data, commands, and/or information. The memory 1530 may load one or more programs 1591 from the storage 1590 to execute a method according to embodiments of the present disclosure. The memory 1530 may be implemented as a volatile memory such as RAM, but the technical scope of the present disclosure is not limited thereto.

Bus 1550 provides communication functionality between components of computing device 1500. The bus 1550 may be implemented as various types of buses, such as an address bus, a data bus, and a control bus.

The communication interface 1570 supports wired and wireless Internet communication of the computing device 1500. Additionally, the communication interface 1570 may support various communication methods other than Internet communication. To this end, the communication interface 1570 may be configured to include a communication module well known in the technical field of the present disclosure.

According to some embodiments, communication interface 1570 may be omitted.

The storage 1590 can non-temporarily store the one or more programs 1591 and various data.

The storage 1590 may be used in a non-volatile memory such as Read Only Memory (ROM), Erasable Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), flash memory, a hard disk, a removable disk, or the like in the technical field to which this disclosure pertains. It may be configured to include any known type of computer-readable recording medium.

The computer program 1591, when loaded into the memory 1530, may include one or more instructions that cause the processor 1510 to perform methods/operations according to various embodiments of the present disclosure. That is, the processor 1510 can perform methods/operations according to various embodiments of the present disclosure by executing the one or more instructions.

In the above case, a joint care platform providing server according to some embodiments of the present disclosure may be implemented through the computing device 1500.

So far, various embodiments of the present disclosure and effects according to the embodiments have been mentioned with reference to FIGS. 1 to 10 . The effects according to the technical idea of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned may be clearly understood by those skilled in the art from the description of the specification.

The technical idea of the present disclosure described so far with reference to FIGS. 1 to 10 may be implemented as computer-readable code on a computer-readable medium. The computer-readable recording medium may be, for example, a removable recording medium (CD, DVD, Blu-ray disk, USB storage device, removable hard disk) or a fixed recording medium (ROM, RAM, computer-equipped hard disk). You can. The computer program recorded on the computer-readable recording medium can be transmitted to another computing device through a network such as the Internet, installed on the other computing device, and thus used on the other computing device.

In the above, even though all the components constituting the embodiments of the present disclosure have been described as being combined or operated in combination, the technical idea of the present disclosure is not necessarily limited to these embodiments. That is, within the scope of the purpose of the present disclosure, all of the components may be operated by selectively combining one or more of them.

Although operations are shown in the drawings in a specific order, it should not be understood that the operations must be performed in the specific order shown or sequential order or that all illustrated operations must be performed to obtain the desired results. In certain situations, multitasking and parallel processing may be advantageous. Moreover, the separation of the various components in the embodiments described above should not be construed as necessarily requiring such separation, and the program components and systems described may generally be integrated together into a single software product or packaged into multiple software products. You must understand that it exists.

Although embodiments of the present disclosure have been described above with reference to the attached drawings, those skilled in the art will understand that the present disclosure can be implemented in other specific forms without changing the technical idea or essential features. I can understand that there is. Therefore, the embodiments described above should be understood in all respects as illustrative and not restrictive. The scope of protection of this disclosure should be interpreted in accordance with the claims below, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of rights of the technical ideas defined by this disclosure.

Claims (17)

In a method performed by a computing device,
Receiving payment request information from a higher node;
Identifying a payment node based on at least part of the payment request information;
transmitting the payment request information to the payment node; and
In response to receiving payment information corresponding to the payment request information from the payment node, processing a transaction based on the payment information,
The upper node is connected to a first node that is a lower node of the upper node and a second node that is distinct from the first node,
The payment request information includes first cost information for the first node and second cost information for the second node,
The step of processing the transaction is,
Processing a first transaction for the first node based on the payment information corresponding to the first cost information; and
Processing a second transaction for the second node based on the payment information corresponding to the second cost information,
The step of processing the first transaction is,
Including the step of generating a sales slip at the affiliated store number corresponding to the first node,
The step of processing the second transaction is,
Including the step of generating a sales slip at the affiliated store number corresponding to the second node,
The upper node and the lower node are computing devices operated by a first medical facility,
The platform providing computing device is a co-care platform providing server,
The second node is a care fee settlement terminal for the caregiver who provided joint care services,
How to process payments. According to claim 1,
The upper node, the payment node, the first node, and the second node are each nodes constituting a private blockchain network,
How to process payments. According to clause 2,
The wallet addresses of the nodes constituting the private blockchain network are managed in association with each of the corresponding nodes from the time each of the nodes is approved in the private blockchain network.
How to process payments. According to clause 2,
The step of processing the transaction is,
Including recording the payment information in blockchain data managed by nodes constituting the private blockchain network,
How to process payments. According to claim 1,
The step of receiving the payment request information is,
Comprising the step of verifying at least a portion of the first cost information and the second cost information included in the payment request information,
How to process payments. According to claim 1,
The step of identifying the payment node is,
Comprising the step of identifying the payment node based on the target wallet address included in the payment request information,
The target wallet address is the wallet address of the payment node,
How to process payments. According to claim 1,
The step of identifying the payment node is,
Identifying a first payment node based on the first target wallet address included in the payment request information; and
Comprising the step of identifying a second payment node based on a second target wallet address included in the payment request information and different from the first target wallet address.
How to process payments. According to clause 7,
The step of transmitting the payment request information to the payment node is,
Transmitting first payment request information to the first payment node; and
Including transmitting second payment request information to the second payment node,
The first payment request information includes first division cost information and second division cost information obtained by dividing each of the first cost information and the second cost information according to a first standard ratio,
The second payment request information includes third division cost information and fourth division cost information obtained by dividing each of the first cost information and the second cost information according to a second standard ratio,
The first division cost information is obtained by dividing the first cost information according to the first standard ratio, and the second division cost information is divided by the second cost information according to the first standard ratio,
The third division cost information is obtained by dividing the first cost information according to the second standard ratio, and the fourth division cost information is divided by the second cost information according to the second standard ratio. ,
How to process payments. According to clause 8,
The step of processing the transaction is,
Based on the payment information of the first payment node corresponding to the first division cost information and the payment information of the second payment node corresponding to the third division cost information, the first transaction for the first node processing steps; and
Based on the payment information of the first payment node corresponding to the second division cost information and the payment information of the second payment node corresponding to the fourth division cost information, the second transaction for the second node is performed. Including processing steps,
How to process payments. According to claim 1,
The step of transmitting the payment request information to the payment node is,
Including providing a notification containing a link to a payment page of an application mounted on the payment node,
How to process payments. According to claim 1,
The step of transmitting the payment request information to the payment node is,
Including verifying the payment node,
How to process payments. According to claim 11,
The step of verifying the payment node is,
Comprising the step of verifying the payment node based on a comparison result between pre-stored identification information corresponding to the payment node and verification information transmitted from the payment node,
How to process payments. In the method performed by a platform providing computing device that provides an application for integrated payment of costs incurred due to the use of medical facilities,
Receiving payment request information from a medical facility terminal;
Identifying a payer terminal based on at least part of the payment request information;
Transmitting the payment request information to the payer terminal; and
In response to receiving payment information corresponding to the payment request information from the payer terminal, processing a transaction based on the payment information,
The medical facility terminal is connected to a medical fee settlement terminal and a nursing fee settlement terminal,
The payment request information includes medical fee information for the medical fee settlement terminal and nursing fee information for the nursing fee settlement terminal,
The step of processing the transaction is,
Based on the medical fee information, processing a first transaction for the medical fee settlement terminal; and
Based on the care fee information, processing a second transaction for the care fee settlement terminal,
The step of processing the first transaction is,
Including the step of generating a sales slip at the affiliated store number corresponding to the medical fee settlement terminal,
The step of processing the second transaction is,
It includes the step of generating a sales slip at the affiliated store number corresponding to the nursing care fee settlement terminal,
The medical facility terminal and the medical fee settlement terminal are computing devices operated by a first medical facility,
The platform providing computing device is a shared care platform providing server,
The nursing care fee settlement terminal is a care fee settlement terminal for caregivers who provide joint care services,
Integrated payment processing method for medical expenses and nursing expenses. According to claim 13,
The step of receiving the payment request information is,
Comprising the step of verifying at least some of the medical cost information and the nursing care cost information,
Integrated payment processing method for medical expenses and nursing expenses. According to claim 14,
The verification step is,
Comparing the medical expense information with health care information collected from an external database of the computing device; and
If the health care information and the medical fee information do not match as a result of the comparison, providing a notification requesting correction of the payment request information to the medical facility terminal,
Integrated payment processing method for medical expenses and nursing expenses. According to claim 14,
The verification step is,
Comparing the nursing care cost information with pre-stored nursing care information; and
If the nursing care information and the nursing cost information do not match as a result of the comparison, providing a notification requesting correction of the payment request information to the medical facility terminal.
Integrated payment processing method for medical expenses and nursing expenses. processor;
network interface;
Memory; and
Includes a computer program loaded into the memory and executed by the processor,
The computer program is,
Instructions for receiving payment request information from a parent node;
Instructions for identifying a payment node based on at least part of the payment request information;
an instruction for transmitting the payment request information to the payment node; and
In response to receiving payment information corresponding to the payment request information from the payment node, instructions for processing a transaction based on the payment information,
The upper node is connected to a first node that is a lower node of the upper node and a second node that is distinct from the first node,
The payment request information includes first cost information for the first node and second cost information for the second node,
The instructions that process the transaction are:
Instructions for processing a first transaction for the first node based on the payment information corresponding to the first cost information; and
Including instructions for processing a second transaction for the second node based on the payment information corresponding to the second cost information,
The instruction for processing the first transaction is,
Includes an instruction for generating a sales slip at the affiliated store number corresponding to the first node,
The instruction for processing the second transaction is,
Includes an instruction for generating a sales slip at the affiliated store number corresponding to the second node,
The upper node and the lower node are computing devices operated by a first medical facility,
The second node is a care fee settlement terminal for the caregiver who provided joint care services,
Collaborative care platform provider server.

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