KR20020004904A - Method and system for providing service for supporting medical expenses using network - Google Patents

Abstract

PURPOSE: A method and system for supporting medial expense are provided so that members can receive an integrated service of an installment financial service, cash-back service, insurance service and medical treatment reservation service, by forming the medical expense support service including reservation, medical examination and payment on a network. CONSTITUTION: A plurality of individual member terminals(115) include general personal computers accessible to an integrated server(100) through a wire/wireless network, personal digital assistants for collecting, storing, writing and searching information, and cellular phones accessible to the integrated server(100) through a wireless Internet. Here, the integrated server(100) basically provides a medical expense support service, and also provides an integrated service relating to the medical treatment, such as an installment financial service, cash-back service, insurance service and medical treatment examination service. In addition, the integrated server(100) is connected with an insurance server(110) for guaranteeing an operation result and providing the insurance service. The integrated server(100) connects the individual member terminals(115) to hospital member terminals(120) for providing a high quality medical service.

Description

METHOD AND SYSTEM FOR PROVIDING SERVICE FOR SUPPORTING MEDICAL EXPENSES USING NETWORK}

The present invention relates to a method and a system for providing medical expenses support service using a network. More particularly, the present invention provides a medical expenses support service using a network, and includes an installment financial service, a cashback service, an insurance subscription service, and a medical appointment service. It relates to a method and system that can be provided in connection with integrated services such as.

In general, in order to schedule an examination on the Internet, it is inconvenient to access the hospital's website, check the contents of the examination and hospital information handled by the hospital, check the information, and call the hospital to make an appointment. There was this.

In addition, the above case corresponds to the case where the hospital has established a homepage corresponding to the hospital, and in general, the reservation is made by telephone or in person.

In addition, the hospital side has a problem in that the homepage construction costs and management costs are additionally consumed to operate the homepage of the independent hospital. In addition, even if medical insurance is applied, there is a problem in that surgery cannot be performed without cash for surgery that is costly or surgery for which medical insurance is not applied.

In addition, even if the surgery is performed does not achieve the desired surgical results, or if the surgical results are incorrect, there is no appropriate means to compensate for this. In this case, there is a means through boring medical disputes, but it cannot guarantee the possibility of winning, and it is difficult for the general public to carry out such medical disputes.

In addition, medical expenses are a considerable burden for individual members who frequently use the hospital, and there is no solution for medical expenses, which constitutes a large part of the expenditure items. In addition, many medical-related sites have been created due to the need for medical information in recent years.

Accordingly, the present invention has been made to solve the problems of the prior art, using a network to provide a method and system for providing medical expenses support services including integrated services such as installment financial services, cashback services, insurance services, medical appointment services, etc. The purpose is to provide.

In addition, the purpose of the present invention is to access the website of the hospital to schedule the checkup, the client should check the contents and hospital information of the checkup handled by the hospital, and after confirming this, call the hospital to make an appointment To provide a method and system that can eliminate the inconvenience.

In addition, it is an object of the present invention to provide a method and system that can reduce the construction cost and management costs incurred by the hospital to build a homepage corresponding to the hospital.

In addition, an object of the present invention is to provide a method and system that can provide an installment financing service for surgery that is expensive even if medical insurance is applied or surgery that is not covered by medical insurance.

In addition, an object of the present invention is to provide a method and system that can provide a medical insurance service that is a suitable means for obtaining a desired surgical result, even if the operation is performed, or if the surgical result is wrong, the compensation.

It is also an object of the present invention to provide a method and system that can provide a cashback service for returning a portion of the expenditure on the medical expenses to the patient for which the medical expenses are a significant burden.

In addition, an object of the present invention is to provide a method and system that allows patients to freely select a desired hospital by comparing and reviewing various hospitals.

1 is a view schematically showing the overall configuration of the integrated medical expenses support service system according to an embodiment of the present invention.

2 is a diagram schematically illustrating a procedure for providing a medical support service through an integrated server according to an embodiment of the present invention.

3 is a view showing a state in which a medical appointment screen is displayed according to an embodiment of the present invention.

Figure 4a is a diagram showing a temporary reservation list screen according to an embodiment of the present invention.

Figure 4b is a view showing a reservation list screen according to an embodiment of the present invention.

5 is a view showing a procedure for providing medical expenses support service by cash payment according to an embodiment of the present invention.

6A and 6B illustrate a procedure for providing a medical expenses support service to an installment financial service according to an exemplary embodiment of the present invention.

Figure 7a is the settlement data extracted for each hospital in order to perform the settlement procedure for the hospital.

FIG. 7B illustrates a settlement table extracted for each individual member in order to provide a cashback service for the individual member.

8A is a table showing a commission rate of an installment financial service according to a preferred embodiment of the present invention.

8B is a table showing a monthly installment lookup table in accordance with one preferred embodiment of the present invention.

9 is a view showing a medical bill payment method and an installment financial service providing method using a dedicated card according to an embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

100: integration server

105: Installment Finance Server

110: insurance server

115: individual member

120: hospital members

130: database

135: Settlement Database

140: cacheback database

145: Membership Management Database

150: Hospital Management Database

According to a first aspect of the present invention to achieve the above object, a method and a device corresponding to the method for providing medical expenses support services in connection with integrated services such as installment financial services, cash back services, insurance services, medical appointment services and the like and A system can be provided.

According to another embodiment of the present invention, a method for providing medical expenses support service in an integrated server combined with a personal member terminal, a hospital member terminal, an installment finance server, and an insurance server through a network, the installment finance request from the personal member terminal Receiving a signal, extracting personal member information corresponding to the installment financing request signal, transmitting the installment financing request signal to the installment financing server, and receiving an installment financing request result from the installment financing server And transmitting the received installment financing result to the personal member terminal, wherein the interest rate for the installment financing may be calculated by a preset method. The installment financing request signal may include an installment interest rate, an interest-free month, and an affiliate commission rate.

The method may further include receiving a credit limit inquiry request signal from the personal member terminal, extracting personal member information corresponding to the credit limit inquiry request signal, transmitting a credit limit inquiry request signal to the installment finance server, and Receiving a credit limit query result signal from an installment finance server and transmitting the received credit limit query result signal to the personal member terminal, wherein the credit limit is set in a pre-set manner corresponding to the personal member; Can be calculated.

In another embodiment, receiving a medical appointment signal from the personal member terminal, extracting the temporary appointment information from the medical appointment signal, storing the temporary appointment information, the hospital reservation information to the hospital member Transmitting to a terminal, receiving a reservation confirmation signal from the hospital member terminal, extracting reservation information from the reservation confirmation signal, storing the reservation information, and transmitting the reservation information to the personal member terminal. The method may further include transmitting a message to the doctor, and may use the integrated server to schedule a medical examination.

The provisional reservation information may include provisional reservation time, and the provisional reservation time may be specified in plural. In addition, the reservation information includes a reservation time, the reservation time is preferably one of the temporary reservation time.

The method may further include receiving an operation signal from the hospital member terminal, extracting personal member information corresponding to the operation signal, transmitting an insurance subscription signal to the insurance server, and receiving an insurance completion signal from the insurance server. And a step of transmitting an insurance completion signal to the personal member terminal, wherein the integrated server is connected to an insurance server, so that the personal member can be insured at the same time as the procedure.

The method may further include receiving procedure result information from the hospital member terminal and storing the procedure result information. Preferably, the procedure may provide a personalized medical service to the individual member using the procedure result. .

The method may further include transmitting a payment signal to the hospital member terminal, receiving a payment completion signal from the hospital member terminal, and calculating a cashback ratio according to a predetermined method corresponding to the paid price. However, it is preferable that a certain amount according to the calculated cashback ratio can be reduced to the individual member.

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

1 is a view schematically showing the overall configuration of the integrated medical expenses support service system according to an embodiment of the present invention.

1, the present invention provides a plurality of personal member terminal 115, integration server 100, installment finance server 105, insurance server 110, database 130 and a plurality of hospital member terminal 120 It is configured to include.

The plurality of personal member terminals 115 are terminals provided to individual members, and collect, store, create, search, and communicate functions of general PC and PDA information that can be connected to the integrated server 100 via a wired or wireless network. The combined personal digital assistant (PDA) or mobile phone accessible to the integrated server 100 via the wireless Internet. That is, it includes all the communication equipment that can communicate by connecting to the integration server 100.

The integrated server 100 may provide medical care integrated services such as an installment financial service, a cash back service, an insurance subscription service, and a medical treatment appointment service while basically providing a medical expenses support service. The integrated server 100 may provide an installment finance service for medical expenses in connection with the installment finance server 105. In addition, the integration server 100 may provide insurance services as a guarantee for unsatisfactory surgical results in connection with the insurance server 110. In addition, the integrated server 100 may provide a reservation service, and may make a reservation to a desired hospital through the integrated server 100 without visiting a hospital, and may provide the reservation result to an individual member. In addition, the integration server 100 may provide an advertisement for a hospital member, of course.

That is, the integrated server 100 may provide better medical information service by providing a means of information exchange by connecting with the personal member terminal 115 and the hospital member terminal 120.

The installment financing server 105 is combined with the integrated server 100 to provide installment financing services for credit limit inquiry and medical expenses in real time. The installment financing server 105 is not only to provide an installment financing service, it is natural that it is possible to perform functions such as issuing a dedicated card and payment of medical expenses by a dedicated card in addition to the installment financial service. Refers to a service that can be provided by the dedicated card server of FIG. 9.

The insurance server 110 is combined with the integration server 100 to provide a service in which an individual member automatically subscribes to the insurance at the start of the procedure or at the completion of the procedure.

The database 130 is coupled to the integration server 100 to perform the function of storing, analyzing, and providing data on various functions such as personal membership management and hospital management. The database preferably includes a settlement database 135, a cashback database 140, a member management database 145, and a hospital management database 150.

The settlement database 135 preferably includes items such as payment amount, payment date, and installment financial amount of the medical member. It is preferable to include the cashback database 140 member information, monthly treatment amount, annual treatment amount, cashback ratio, and the like. The member management database 145 preferably includes a name, social security number, examination date, examination type, procedure details, and the like. The hospital management database 150 preferably includes information such as hospital head information, telephone number, examination type and price by type.

The plurality of hospital member terminals 120 are terminals provided to the hospital members, and have a general PC that can be connected to the integrated server 100 through a network by wire or wirelessly, and collect, store, create, search, and communicate information. It may include a mobile phone connectable to the integrated server 100 via a combined personal digital assistant (PDA) or wireless Internet. That is, it includes all the communication equipment that can communicate by connecting to the integration server 100.

According to the present invention, the selection of the hospital is preferably selected on the basis of sufficient clinical experience and ability for surgery, the presence or absence of the qualification of the specialist, whether or not to continue thesis publication and research activities in the academic and medical fields.

2 is a view schematically showing a procedure through an integrated server according to an embodiment of the present invention.

According to the present invention, an individual member who desires a procedure or a checkup may be provided with an installment financial service for a checkup reservation and a procedure fee through a terminal of the hospital without visiting a hospital.

The description of the installment financing service will be described in detail with reference to FIGS. 6A and 6B, and a schematic procedure will be described below with reference to FIG. 2.

In step 200, the personal member terminal accesses the integrated server through the network, and in step 205, the personal member terminal accesses the integrated server.

Thereafter, a medical appointment is made at a corresponding hospital among hospitals selected by the integrated server in step 210 (see FIG. 3). According to an embodiment of the present invention, a search method of a corresponding hospital among the selected hospitals may have a directory structure. That is, a menu of plastic surgery, dermatology, ophthalmology, dentistry, urology, obstetrics, oriental medicine, obesity, etc., the sub-menu of the plastic surgery, double eyelids, breast plastic surgery, rhinoplasty, facial contouring, wrinkle removal, liposuction, etc. It may include.

According to another embodiment of the present invention, it is possible to search by region, and in the lowermost menu, it is preferable to substitute an advertisement for a hospital with an introduction to the hospital. By performing the marketing of the advertisement, the profit model can be generated by maximizing the recognition of the hospital and adding a fee corresponding to the marketing agency.

In step 215, the hospital member terminal accesses the server through the network, receives information on the reservation time, and designates one of the reservation times or a separate reservation time to display the reservation time designation result. Send to member terminal.

Thereafter, a checkup or a procedure is performed according to the reservation result, and the procedure is preferably performed by a personal member visiting the hospital on-line.

In step 220, the individual member is subscribed to the insurance provided by the insurance server in order to guarantee the result of the procedure for the individual member at the beginning of the procedure or at the completion of the procedure.

In the event of a medical accident that may occur during the procedure, or if the result of the procedure is unsatisfactory or has sequelae, the above insurance provides a means to solve the problem smoothly.

In step 225, after the procedure is completed, the integrated server performs payment for the procedure between the individual member, the hospital, the integrated server, the installment finance server, and the insurance server.

That is, when the individual member pays by cash, the predetermined portion of the amount paid by the individual member to the hospital is transferred to the integrated server. The integrated server also provides the insurance server with a predetermined amount.

When the individual member pays through the installment financing, the installment financing server pays for the medical expenses to the hospital on behalf of the individual member. Then, the predetermined portion of the paid price is provided to the integrated server. Then, the individual member pays the predetermined portion of the installment finance amount to the installment finance server for a predetermined period to complete the settlement.

The predetermined part may include a price for providing an advertisement to a hospital member, that is, an advertisement fee.

In step 230, the integrated server may return a portion of the payment for the procedure to the individual member by the cashback service.

According to the present invention, it is preferable to provide a cashback service corresponding to medical expenses when paying medical expenses in cash, and to provide a cashback service at a smaller rate when medical expenses are paid by installment financial services.

In addition, in the case of providing the interest-free installment financing service, it is desirable to lower the rate of return of the cashback service or not to provide the cashback service in exchange for the interest-free installment financing.

3 is a diagram illustrating a state where a medical appointment screen is displayed according to an exemplary embodiment of the present invention.

Referring to FIG. 3, the medical treatment appointment screen includes items such as a name, a password, a social security number, a telephone number, an email, a cash payment or installment financing selection, an account number, a desired date of treatment, contents desired to be treated, and the like. desirable.

In addition, it is preferable that the hospital information introduction window 305 to be reserved is displayed on the medical appointment screen. Referring to FIG. 3, the hospital information introduction window 305 describes an introduction to a hospital director, but it is natural that information such as a hospital's treatment subject, a treatment time, a location information, or an amount of treatment may be described.

Individual members wishing to receive a medical treatment can be applied online through a personal member terminal, and it is preferable to input about two treatment dates 310. That is, it is preferable that an individual member inputs two or more times for which a reservation is desired, and a hospital member selects a date that can be treated in a hospital during the reservation time and notifies the individual member.

According to another embodiment of the present invention, by providing a pre-booked screen to the hospital appointment screen, the individual member can make a reservation by inputting a desired time by a single member, and the hospital member can provide a reservation time notification procedure therefor. Can be omitted.

In the details input window 315, the individual member does not make an appointment according to a predetermined method, but instead freely inputs the contents that he / she wants to receive. I can tell you.

The integrated server provides a hospital manager menu instead of a general member menu when the hospital administrator authenticates as a hospital member manager. The process of confirming the reservation result in the hospital manager menu and notifying the confirmation result to the personal member terminal is preferably performed on the provisional reservation list screen (FIG. 4A) and the regular reservation list screen (FIG. 4B).

4A is a diagram illustrating a temporary reservation list screen according to an exemplary embodiment of the present invention.

After the reservation is made in the reservation screen of FIG. 3, the treatment appointment information registered in the hospital manager menu is registered in the provisional reservation menu as shown in FIG. 4A. After confirming the registered contents, the manager may modify the treatment days by selecting (405) or selecting a reservation date separately (410) as a regular appointment date among the dates registered by the scheduler.

After checking the information on the provisional reservation list and correcting the medical day, when the reservation completion button 415 is clicked, the reservation result is transmitted to the terminal of the individual member.

In the above description, the reservation confirmation method has been described. However, the integrated server may provide online consultation, health information, and other medical related information in addition to the reservation confirmation method described above.

4B is a view illustrating a reservation list screen according to an embodiment of the present invention.

Unlike the screen of FIG. 4B, the regular reservation member whose reservation date is determined may be provided with a screen such as FIG. 4B to which more detailed items are added.

Referring to FIG. 4B, the regular reservation list includes contents registered in the temporary reservation list and items to be additionally input.

In the hospital member terminal, the procedure date 450 among the additional input items may be input by a desired date of the administrator, and the surgical part may be input into the surgical part item 455.

The treatment amount 460 may be input in units of won and may be settled according to the payment method selected by the scheduler at the time of appointment.

When the procedure is completed and the procedure completed 465 item is selected by the hospital administrator, the integration server sends a subscription request signal to the insurance server.

According to the present invention, the integrated server may provide a cashback service that provides a private member with a portion of the paid medical expenses. In addition, the integrated server may provide an installment financial service for the medical expenses in order to reduce the medical expenses burden on expensive medical expenses or individual members having a large medical expenses burden not covered by the medical insurance. According to one embodiment of the present invention, when providing the installment financial service at no interest, it is preferable not to apply the cashback service or to lower the cacheback rate.

Hereinafter, a procedure for providing medical expenses support service by cash payment (FIG. 5) and a procedure for providing medical expenses support service by installment finance (FIGS. 6A and 6B) will be described in detail.

5 is a view showing a procedure for providing a medical expenses support service by cash payment according to an embodiment of the present invention.

In step 500, the personal member terminal accesses the integrated server through the network. In step 505, the personal member terminal logs in to the integrated server after passing through an authentication process for inputting an ID and password.

In step 510, the personal member terminal includes a name, password, social security number, telephone number, e-mail, cash payment or installment financing, account number, medical treatment date, medical treatment appointment screen including items such as the contents of the medical treatment (Fig. 3) to schedule the appointment. It is preferable to input about two treatment dates. That is, it is preferable that an individual member inputs two or more times for which a reservation is desired, and a hospital member selects a date that can be treated in a hospital during the reservation time and notifies the individual member.

In operation 515, the hospital member terminal accesses the integrated server through the network. In operation 520, the hospital member terminal logs in to the integrated server as a hospital administrator after an authentication procedure for inputting an ID and password of the hospital administrator. After the log-in, the hospital manager is provided with a hospital manager menu different from the general member menu in step 525 (see FIGS. 4A and 4B). When the reservation list of the individual member is checked in the hospital manager menu and the reservation time is determined, the determined reservation time is transmitted to the personal member terminal in step 530.

Afterwards, the individual member visits the hospital at the scheduled time to receive a procedure or a checkup. In operation 535, the hospital member terminal transmits the procedure result and the procedure related information to the integrated server after the procedure is completed. The result of the procedure and the procedure related information are stored in the database of the integrated server, and then used to provide medical related information or information related to the hospital to the user, and provide customized services related to the medical service to the hospital and the individual member. Can be.

After inputting the procedure result and the procedure related information in step 535, the hospital member terminal transmits the procedure completion signal to the integration server in step 540. In step 545, the integrated server immediately transmits the insurance subscription request signal to the insurance server by a preset program upon receiving the procedure completion signal. According to another embodiment of the invention, it is obvious that the insurance application request signal may be provided to the insurance server before the procedure starts.

When the insurance server receives the insurance sign-up signal in step 550, the insurance server completes the insurance sign-up procedure for the procedure according to a preset procedure, and transmits an insurance sign-up completion signal to the integration server in step 555. Thereafter, in step 560, the integrated server transmits the insurance coverage result to the personal member terminal. It is natural that in the series of procedures, the insurance server can directly notify the insurance member of the insurance result of the personal member terminal without going through the integrated server.

Thereafter, step 565 to step 580 show the settlement process of the payment. The process of steps 565 to 580 will be described based on the payment settlement process, not the flow of signals, to help understanding the settlement process.

In operation 565, when the personal member terminal performs payment for medical expenses for the hospital member, the personal member terminal transmits a predetermined portion of the medical expenses paid to the hospital member terminal integration server to the integration server in operation 570. In step 575, the integrated server calculates a cashback ratio according to a preset ratio for the medical expenses, and in step 580, transfers the amount according to the calculated cashback ratio to the personal member terminal.

The above process will be described again in order of signal flow. When the medical expenses payment to the hospital side is completed, the integrated server transmits a deposit request signal to the hospital member terminal, and the hospital member terminal receiving the signal transfers a portion of the paid medical expenses to the integrated server. The remittance process may be performed using an existing bank computer network, and a remittance method using a network has various known technologies, including internet banking, and thus the description of the remittance method will be omitted.

Then, the integrated server calculates the cacheback rate, sends the money amount according to the calculated cacheback rate to the individual member, and transmits a cashback transfer completion signal.

6A and 6B illustrate a procedure of providing a medical expenses support service by an installment financial service according to an exemplary embodiment of the present invention.

In step 601, the personal member terminal accesses the integrated server through the network. In step 603, the personal member terminal logs in to the integrated server after the authentication process of inputting the ID and password.

When the hospital member terminal clicks the credit limit button provided by the integrated server in step 605, the integrated server transmits a credit limit inquiry request signal to the installment financing server in step 607.

The credit limit request signal may include credit limit related information. In particular, the credit limit related information, including the social security number and the reduced name, it is preferable to include the basic information that can confirm the credit limit of the member.

In step 611, the installment finance server extracts the credit limit related information included in the credit limit request signal to extract the credit limit for the member. The credit limit is stored in a database of the installment financing server, and the stored installment financing credit limit can then be used when applying for installment financing. In step 613, the result of the credit limit is transmitted to the integrated server. In step 615, the integrated server transmits the credit limit inquiry result to the personal member terminal. As described above, the credit limit inquiry may be made in real time.

In step 617, the member terminal applies the installment financing to the integrated server in consideration of the credit limit inquiry result. In step 621, the integration server transmits an installment financing request signal to the installment financing server, extracts a credit limit for the member in step 623, and provides installment financing to the member based on the credit limit. When the installment financing result is transmitted to the integration server in step 625, the integration server transmits the installment financing request result to the personal member terminal in step 627. Thereafter, payment for the medical expenses for the hospital is performed by the installment finance server.

In step 631, the personal member terminal displays a medical appointment screen including items such as name, password, social security number, telephone number, email, cash payment or installment financing selection, account number, medical treatment date, medical treatment information, etc. 3) to schedule the appointment. It is preferable to input about two treatment dates. That is, it is preferable that an individual member inputs two or more times for which a reservation is desired, and a hospital member selects a date that can be treated in a hospital during the reservation time and notifies the individual member.

In step 633, the hospital member terminal accesses the integrated server through the network. In step 635, the hospital member terminal logs in to the integrated server as a hospital administrator after an authentication procedure for inputting the ID and password of the hospital administrator. After the login, the hospital manager is provided with a hospital manager menu different from the general member menu in step 637 (see FIGS. 4A and 4B). When the reservation list of the individual member is checked in the hospital manager menu and the reservation time is determined, the determined reservation time is transmitted to the personal member terminal in step 641.

Afterwards, the individual member visits the hospital at the scheduled time to receive a procedure or a checkup. In step 643, after completing the procedure, the hospital member terminal transmits the procedure result and the procedure related information to the integrated server. The result of the procedure and the procedure related information are stored in the database of the integrated server, and then used to provide medical related information or information related to the hospital to the user, and provide personalized services related to the medical service to the hospital and individual members. Can be.

After inputting the procedure result and the procedure related information in step 643, the hospital member terminal transmits the procedure completion signal to the integration server in step 645. In step 651, the integrated server immediately transmits the insurance subscription request signal to the insurance server by a preset program upon receiving the procedure completion signal. According to another embodiment of the invention, it is obvious that the insurance application request signal may be provided to the insurance server before the procedure starts.

When the insurance server receives the insurance sign-up signal in step 647, the insurance server completes the insurance sign-up procedure for the procedure according to a preset procedure in step 649, and transmits an insurance sign-up completion signal to the integration server in step 651. Thereafter, in step 653, the integrated server transmits the insurance coverage result to the personal member terminal. It is natural that in the series of procedures, the insurance server can directly report the insurance subscription result to the personal member terminal without going through the integration server.

Thereafter, steps 655 to 661 show a settlement process of the payment. The process of steps 655 to 661 will be described based on the payment settlement process, not the flow of signals, to help understanding the settlement process.

In step 655, the installment financing server pays the medical expenses to the hospital member. In step 657, the installment financing server sends the predetermined portion of the paid medical expenses to the integrated server to the hospital member terminal integration server. In step 657, the integrated server calculates a cashback ratio according to a preset ratio for the medical expenses, and in step 659 transfers the amount according to the calculated cashback ratio to the personal member terminal. Corresponding to the interest rate for installment financing in the above procedure, the cashback rate may be adjusted in a predefined manner. When the installment financial service is free of interest, the cashback ratio may be reduced or the cacheback service may not be applied.

The above process will be described again in order of signal flow. In a predetermined period, the integrated server transmits a deposit request signal to the hospital member terminal, and the hospital member terminal receiving the signal transfers a portion of the medical expenses paid from the installment finance server to the integrated server. Then, the integrated server calculates the cacheback rate, sends the money amount according to the calculated cacheback rate to the individual member, and transmits a cashback transfer completion signal. The predetermined portion of the deposited portion may be provided to the installment finance server again. Of course, according to the present invention, the cashback service may not be provided when paying for medical expenses by an installment financial service. In other words, for the individual member using the installment financial service, the process of calculating the cashback ratio, remitting the amount according to the calculated cashback ratio to the individual member, and transmitting a cashback transfer completion signal may be omitted. .

7A and 7B illustrate a settlement table according to an exemplary embodiment of the present invention.

FIG. 7A illustrates settlement data extracted for each hospital in order to perform a settlement procedure for a hospital, and FIG. 7B illustrates a settlement table extracted for each individual member to provide a cashback service for an individual member.

Referring to FIG. 7A, settlement data of an individual member who is treated or performed for each hospital member is displayed.

Settlement data for each hospital member may include items such as an individual member name, ID, social security number, contact information, email, payment method, payment amount, procedure date or procedure site.

The settlement data is settled on a predetermined date and then transmitted to the hospital member terminal. The hospital checks the abnormality by comparing the settlement data with the data recorded in the hospital member terminal.

If there is no abnormality, when the integrated server sends a deposit request signal to the hospital member terminal on a predetermined date, the hospital member terminal receives the deposit request signal from the integrated server and transfers a predetermined part of the paid medical expenses to the integrated server.

Referring to FIG. 7B, settlement data of the details of treatment or treatment for each individual member is displayed.

Settlement data for each individual member may include a hospital name, a hospital contact number, a hospital e-mail, a procedure date, a payment history, a cash back rate, or a cash back amount.

The settlement data for each individual member is settled on a predetermined date and then transmitted to the personal member terminal. When the integrated server sends a deposit request signal to the hospital member terminal on a predetermined date, the hospital member terminal receives the deposit request signal and transfers a predetermined part of the paid medical expenses to the integrated server. And, it is preferable that the hospital member terminal returns a predetermined amount to the individual member by the cashback ratio of the deposit amount.

8A is a table showing a commission rate of an installment financial service according to a preferred embodiment of the present invention.

Of course, it is possible to variously adjust the commission rate for the installment financing service, Figure 8a is a table showing the interest-free commission rate when providing installment financing with no interest according to a preferred embodiment of the present invention.

Referring to FIG. 8A, the interest-free commission rate 820 is determined by the installment interest rate 800, the interest-free month 805, the affiliate commission rate 810, the interest-free discount rate 815, and the like. In this table, when the user inputs the installment interest rate 800, the interest-free month 805, and the affiliate commission rate 810, the interest-free discount rate 815 and the interest-free fee rate 820 are calculated by a predetermined method and provided to the personal member terminal. Can be.

Here, the interest-free commission rate 820 is preferably determined by the sum of the affiliate commission rate 810 and the interest-free discount rate 815.

In an embodiment of the present invention, the installment interest rate 800 is 19%, and the interest rate is calculated on a monthly basis based on the installment interest rate 800.

Interest-free commission rate 820 refers to the actual interest rate of installment financing. From an individual member's point of view, it is desirable to use the installment finance server with no interest and pay a certain fee accordingly.

In a preferred embodiment, starting from a predetermined period of time, for example, 11 months, an individual member may pay a portion of interest according to the number of months and the loan amount.

The interest rate paid by the member in loans of 10 months or more is preferably based on Equation 1.

For example, if a customer is divided into 10 months interest-free benefits for 24 months, the customer can pay the installment with the principal at an interest rate of 19% × ((24/10) / 24) = 11.08%.

Figure 8b is a table showing a monthly installment lookup table according to an embodiment of the present invention.

FIG. 8B is only one embodiment of the monthly payment table calculated by Equation 1 of FIG. 8A, and the present invention is not limited thereto.

9 is a view showing a method for payment of medical expenses and an installment financial service by a dedicated card according to an embodiment of the present invention.

In the above, the medical expenses settlement method has been described based on cash, but it is natural that the medical expenses settlement and installment financial service provision according to the present invention may be performed by a dedicated card as well as the cash.

Hereinafter, a method of providing medical bill payment and installment financial services using a dedicated card will be described with reference to FIG. 9.

In FIG. 9, the present invention provides a plurality of personal member terminals 915, an integrated server 900, an installment finance server 905, an insurance server 910, a plurality of hospital member terminals 920, and a dedicated card server 930. ) And a dedicated card 935.

Here, the plurality of personal member terminals 915, the integrated server 900, the installment financing server 905, the insurance server 910, the plurality of hospital member terminals 920 are shown in FIG. 1, a dedicated card server 930 and Dedicated card 935 is a plurality of personal member terminal 115, integration server 100, installment finance server 105, insurance server 110, database 130 and a plurality of hospital member terminal 120 of FIG. Since it is the same as, it will be omitted.

The dedicated card server 935 and the installment financing server 105 are separately shown for better understanding of the present invention, but the installment financing server 105 may be operated separately from the dedicated card server 935 or the installment. The financial server 105 may perform the function of the dedicated card server 105 by issuing a dedicated card. Hereinafter, in FIG. 9, in order to help the understanding of the invention, a dedicated card server performs a role of providing a financial service, that is, a cash settlement, a cash service, a medical loan, etc. by a dedicated card, and is operated separately from the installment finance server. This will be described.

However, the hospital member terminal 920 may be an affiliated store of a dedicated card server at the same time.

The dedicated card server 930 issues a dedicated card to a member of the dedicated card 935, and the dedicated card server 930 is associated with the integrated server 900, thereby providing the installment financial service and cashback provided by the integrated server 900. You can get services.

That is, a member who has been issued a dedicated card according to the present invention may be provided with a cashback service even if the member is not an individual member of the integrated server.

For example, the dedicated card member may receive a 10% cash back when paying for medical expenses with the dedicated card, and in the case of an installment, may receive a service such as applying interest free up to 6 months.

The dedicated card member visits the hospital member of the integrated server to receive medical treatment and procedures, and pay the medical expenses using the dedicated card. After that, the settlement is performed in association with the integrated server and the dedicated card server.

According to one preferred embodiment of the present invention, the dedicated card server deducts the merchant fee and remits it to the hospital member for the medical expenses paid. In addition, the dedicated card server remits the installment financing fee to the hospital member, that is, the exclusive card affiliate store, by subtracting some installment financing fee for the installment financing. Thereafter, the hospital member transfers a predetermined part of the payment amount received from the dedicated card server to the integrated server. Then, the integrated server applies the cashback service to a predetermined portion of the payment amount and returns to the dedicated card member to complete the settlement. In this case, the integrated server is essentially required to receive the information of the dedicated card payer from the dedicated card server.

According to another embodiment of the present invention, the process of receiving the information of the dedicated card payer from the dedicated card server may be omitted by installing a dedicated card reader in the hospital member. Thus, the integrated server may receive the information from the dedicated card reader in real time, settle the information at predetermined intervals, and provide a cache service.

According to another embodiment of the present invention, by introducing an electronic payment system to the integrated server, it is possible to access and pay the integrated server. That is, a hospital member terminal can access the integrated server and pay for medical expenses.

According to the embodiment, the settlement procedure is as follows, i.e., the dedicated card server remits the dedicated card payment price to the integrated server, and the integrated server remits the predetermined portion of the medical expenses to the hospital. The predetermined part may include an advertisement fee.

In addition, the installment financing server is not only providing the installment financing service, it is natural that it is possible to perform a function such as issuing a dedicated card, payment of medical expenses by a dedicated card in addition to the installment financial service. It means the service that 9 dedicated card server can provide.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art to which the present invention pertains without departing from the spirit and scope of the present invention as set forth in the claims below It will be appreciated that modifications and variations can be made.

The method and system for providing a medical expenses support service using a network according to the present invention provides an online medical expenses support service such as an appointment, a check-up, and a payment in the medical field, while providing an installment financial service, a cashback service, an insurance subscription service, and a medical treatment. There is an effect that can be provided in connection with integrated services such as reservation services.

In addition, the present invention, in order to schedule a check-up, access to the website of the hospital to check the contents and hospital information of the checkup handled by the hospital, and after confirming this, the inconvenience of having to call the hospital to make an appointment There is also an effect that can be removed.

In addition, the present invention has the effect that the hospital can reduce the construction cost and management costs that occur by building a homepage corresponding to the hospital.

In addition, the present invention has the effect of providing an installment financial service for surgery that costs a lot even if medical insurance is applied or surgery that is not covered by medical insurance.

In addition, the present invention has the effect that even if the surgery is performed does not achieve the desired surgical results, or if the surgical results are wrong, it is possible to provide a medical insurance service that is an appropriate means for compensation.

In addition, the present invention has the effect that it is possible to provide a cashback service for returning a portion of the expenditure on the medical expenses to the individual member to the individual member, which is a significant burden on medical expenses.

In addition, an object of the present invention is that by allowing individual members to compare and review various hospitals, it is possible to freely select the desired hospital to expand the range of hospital choices to individual members.

Claims (10)

In the method of providing medical expenses support service in an integrated server combined with a personal member terminal, hospital member terminal, installment finance server, insurance server through a network, Receiving an installment finance request signal from the personal member terminal; Extracting personal member information corresponding to the installment financing request signal, wherein the personal member information includes a personal member identifier; Transmitting the installment financing request signal to the installment financing server, wherein the installment financing request signal includes the personal member information; Receiving an installment finance application result from the installment finance server; And Transmitting the received installment financing result to the personal member terminal; Including but not limited to: The interest rate for the installment financing may be calculated by a predetermined method. The method of claim 1, The installment financing request signal includes an installment interest rate, an interest-free month and an affiliate commission rate. The method of claim 1, Receiving a credit limit inquiry request signal from the personal member terminal; Extracting personal member information corresponding to the credit limit inquiry request signal, wherein the personal member information refers to information for identifying a personal member; Transmitting a credit limit inquiry request signal to the installment financing server, where the credit limit inquiry request signal includes the personal member information; Receiving a credit limit inquiry result signal from the installment finance server; And Transmitting the received credit limit inquiry result signal to the personal member terminal; Include more, The credit limit is calculated in a predetermined manner corresponding to the individual member providing a medical expenses support service. The method of claim 1, Receiving a medical treatment appointment signal from the personal member terminal; Extracting provisional reservation information from the medical appointment signal; Storing the provisional reservation information; Transmitting the provisional reservation information to a hospital member terminal; Receiving a reservation confirmation signal from the hospital member terminal; Extracting reservation information from the reservation confirmation signal; Storing the reservation information; And Transmitting the reservation information to the personal member terminal; Include more, Medical expenses support service providing method characterized in that the appointment can be scheduled using the integrated server. The method of claim 5, The provisional reservation information includes a provisional reservation time, wherein the provisional reservation time may be specified in plurality. The method of claim 5, The reservation information includes a reservation time, the reservation time is a medical expenses support service providing method, characterized in that one of the temporary reservation time. The method of claim 1, Receiving a procedure signal from the hospital member terminal; Extracting personal member information corresponding to the procedure signal, wherein the personal member information refers to information capable of identifying a personal member; Sending an insurance subscription signal to the insurance server, wherein the insurance signal includes the personal member information; Receiving an insurance completion signal from the insurance server; And Transmitting an insurance completion signal to the personal member terminal; Include more, The integrated server is linked to the insurance server, the medical member support service providing method, characterized in that the individual member can be insured in real time at the same time as the procedure. The method of claim 7, wherein Receiving procedure result information from the hospital member terminal; And Storing the procedure result information Include more, The medical expenses support service providing method, characterized in that to provide a personalized medical service to the individual member using the result of the procedure. The method of claim 1, Transmitting a payment signal to the hospital member terminal; Receiving a payment completion signal from the hospital member terminal; And Calculating a cashback ratio in a predetermined manner corresponding to the paid price; Include more, And a certain amount of money based on the calculated cash back ratio to the individual member. The memory where the program is stored and A processor coupled to the memory to execute the program; The processor is to execute the medical cost support service providing method according to any one of claims 1 to 9 by the program.