KR20020037453A - An electronic medical insurance card and an electronic medical insurance card system and operating method thereof - Google Patents

Abstract

PURPOSE: An electronic medical insurance card and a system and a method for operating the electronic medical insurance card are provided to offer the electronic medical insurance card embedding an IC chip capable of storing the personal detail of an insured person and a dependent family and the insurance payment record, and paying an expense relating to various kinds of medical treatment. CONSTITUTION: The electronic medical insurance card is composed of a non-contact type RF(Radio Frequency) card base(110) including the IC chip(111) and an antenna coil(112). The characters such as a name of the insured person and a card number are printed on the surface of the electronic medical insurance card. The antenna coil occurs the induction generation influenced by the electromagnetic field formed by a card reader as approaching to the card reader and driven by the electric voltage obtained from the induction generation drives the IC chip.

Description

An electronic medical insurance card and an electronic medical insurance card system and operating method

The present invention relates to an electronic medical insurance card and an integrated system of an IC chip capable of storing personal information and insurance benefit records of an insured person and dependents, and in particular, the electronic medical insurance card includes costs related to personal information and various medical activities of the insured person. To provide a variety of functions of the electronic medical insurance card and the electronic medical insurance card, including the credit card area and prepaid card area for payment, and the identity card area to replace resident registration and driver's license, etc. have.

The current medical insurance (health insurance) system is issued by the National Health Insurance Corporation to issue a paper insurance card to the insured and allow the insured to present the insurance card only when he or she visits the hospital due to any injury or illness. The doctors are required to receive medical treatment or treatment at the applicable cost, and the hospital is required to claim and pay the union's copayment (or industrial copayment).

But now health insurance card. National Health Insurance card is made of paper only, so its preservation is poor and it is easy to be damaged. Making a health insurance card out of paper has the advantage of reducing the cost of producing the unit, but the cost of reissuance due to damage and the resulting logistics costs cannot be ignored. Moreover, the health insurance card is not frequently used, but most people do not carry it in their wallets or bags even though they should always carry it when visiting the hospital. The reason is that the material and size of the health insurance card are not in a form that the public can easily possess.

In particular, the medical insurance card management method uses the traditional method of writing or stamping the date and the name of the insurance payer at the hospital. This is very unreasonable in view of the fact that most hospital services are computerized and EDI-based charges for medical insurance companies are paid for the medical insurance patients. Hospitals also suffer from the inconvenience of having to enter the information on the medical insurance card into the hospital computer terminal.

Recent breakthroughs in information and communication technology and computer culture have digitized much of social culture. Many people are now accustomed to this trend and environment, and the current society's wallet has become a digital information storage medium such as credit cards, transportation cards, and electronic notebooks instead of bills and notebooks.

Therefore, the current health insurance card made of paper will be rejected by many people, so it must be prepared to comply with the demands of social and cultural change.

An object of the present invention is to provide an electronic medical insurance card with a built-in IC chip that can store personal information and insurance benefits records of the insured and dependents.

Another object of the present invention is to provide an electronic medical insurance card with a credit card area and a prepaid card area for paying the personal information and expenses related to various medical activities, and an identity card area that can replace a resident registration card and a driver's license. It is to provide an electronic medical insurance card with an integrated IC chip.

Still another object of the present invention is to provide an electronic medical insurance card system and a method of operating the same, including a medical treatment using the medical insurance card, and a prescription delivery and prescription preparation request.

Still another object of the present invention is to provide an electronic medical insurance card provided with a function of a contactless RF traffic card.

1 is a configuration example of a contactless electronic medical insurance card according to the present invention.

2 is a configuration example of a contact type electronic medical insurance card according to the present invention.

3 is a configuration example of a combination type electronic medical insurance card according to the present invention.

Figure 4 is a block diagram of a model for granting and operating a variety of additional functions to the electronic medical insurance card of the present invention.

Figure 5 is a block diagram of a card terminal for performing a data read and write function for the multi-function electronic medical insurance card according to the present invention.

6 is a block diagram of an internal IC chip of a contactless card that can be applied to the present invention.

7 is a diagram schematically showing a memory area of an IC chip in a contactless or contact card according to the present invention.

8 is a flowchart illustrating a process of executing data input and output between card terminals matched with this card when a number of different functions are granted to the electronic medical insurance card according to the present invention.

9 is an overall block diagram of an operating system of an electronic medical insurance card according to the present invention.

10 is a block diagram of a payment system for medical care and prescription delivery and medical expenses in a hospital using the electronic medical insurance card of the present invention.

11 is a detailed block diagram of a prescription medicine preparation and administration and payment system in a pharmacy using the electronic medical insurance card of the present invention.

12 is a block diagram of a direct delivery method of a prescription using an electronic medical insurance card of the present invention.

Figure 13 is a flow chart illustrating a direct delivery of a prescription using the electronic medical insurance card of the present invention and a medication administration process.

14 is a block diagram of a system for collecting a traffic fare from a traffic card integrated in the electronic medical insurance card of the present invention.

※ Explanation of symbols about main part of drawing ※

10: Insurance Corporation Server 12: Patient DB

14: number DB 15: B / L DB

16: prescription DB 18: hospital terminal

20: pharmacy terminal 24: card company server

26: bank server 51: RF interface unit

52: rectifier 53: transformer modulator

54: voltage stabilizer 55: clock generator

56 control unit 57 operation controller

58: memory 59: memory

70: card terminal 71: main control module

72: RF card communication module 73: B / L data storage module

74: medical care and payment history storage module 75: terminal computer communication module

76: user interface module 77: display

78: keypad 79: smart (contact) card communication module

80: terminal computer (aggregation system) 81: center computer

82: card issuer server 83: traffic operator server

100: electronic medical insurance card 110: RF card (contactless card) base

111,121,131,133: IC chip 112,132: Antenna coil

120: smart card (contact card) base

122: external contact 130: combi card base

180: hospital terminal 200: pharmacy terminal

181: Hospital Computer 182,202: Card Data Read / Write Machine

201: Pharmacy Computer

In order to achieve the above object, the present invention makes it possible to read / write all personal and medical insurance benefits of medical insurance subscribers and medical insurance benefits in the memory area of the IC card, and the medical insurance on the surface of the IC card. Key features such as the subscriber's name, identification number, characterized in that printed by the configuration.

Another object of the present invention for achieving the above object is an electronic medical insurance card possessed by a medical patient, a hospital terminal in which a prescription of a patient is inputted together with an identification number of the electronic medical insurance card by a doctor, and a prescription from the hospital terminal. When the contents are received and stored in the prescription database and charged for medical expenses paid by the Insurance Corporation, the Insurance Corporation server, which has a database for referring to the medical number, and the pharmacy visitor presenting the electronic medical insurance card and requesting the prescription medicine to be filled. The pharmacy terminal which accesses the insurance corporation server, accesses the electronic prescription stored in the prescription DB by the certificate number, dispenses the prescription medicine, delivers it to the holder of the electronic medical insurance card, and transfers the preparation information and the insurance bill to the insurance corporation server. Characterized in that it comprises a.

Another object of the present invention for achieving the above object is an electronic medical insurance card issued by a medical insurance subscriber unit and provided with an information recording means, and the contents recorded on the electronic medical insurance card by outputting the medical records and medications of the requesting patient. A hospital terminal system consisting of a hospital computer and a card data lead / write system for retrieving records and recording the doctor's prescriptions according to the results of the current medical treatment on the electronic medical insurance card, and the prescription information contained in the electronic medical insurance card. It is characterized in that it consists of a pharmacy terminal system consisting of a pharmacy computer for reading and outputting the prescription information for the treatment patient and the card data read / write.

Another object of the present invention for achieving the above object is an electronic chip including an IC chip that stores information such as the subscriber's name, certificate number, member, affiliation, etc., and calculates input and output to replace the paper health insurance card. In the medical insurance card, the IC, such that the functions of the transportation card, credit card, communication card, prescription delivery card, prepaid card, debit card, etc. in addition to the unique medical card function by the electronic medical insurance card can be selectively performed. By assigning a unique code by sharing the memory area of the chip as many times as necessary, it is possible to independently record and store the data necessary to perform a specific card function for each memory area by this sharing, and to recognize the card for each function. The card terminal can be accessed only when the unique code of the shared memory area matches. .

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

1 is a configuration example of a contactless electronic medical insurance card (electronic health insurance card) 100 of the present invention. As referred to herein, the present invention constitutes an electronic medical insurance card using a non-contact RF card base 110 including an IC chip 111 and an antenna coil 112.

The RF type electronic medical insurance card may be printed on its surface with letters such as the name and certificate number of the insured (insured person). In addition, such a character display can be expressed by an embossing method like a conventional credit card through a separate jig device.

In the case of engraving or embossing the surface letter of the electronic medical insurance card through the embossing method above, in order to prevent damage to the antenna coil coupled to the IC chip 111 therein, the antenna coil 112 is installed in a special installation. It is necessary to consider. That is, the antenna coil 112 inside the card is preferably installed along the outer periphery of the card base 110. This means that if an antenna coil is placed in the embossed letter formation area when the letter is embossed on the surface of the RF card to which the electronic health insurance card function is applied, the stability of the antenna coil cannot be guaranteed. The manner of formation precludes the possibility of this problem.

When the antenna coil 112 approaches the card reader (card terminal) to be described below, the IC coil 111 is driven by the induced electric power generated by the electric magnetic field formed by the card reader to generate the induced power. do. The IC chip contains a CPU and memory.

If the insurer or payee who visited the hospital visits the hospital to apply for medical treatment, the receptionist at the hospital's medical service desk simply passes the applicant's electronic medical insurance card to the computer terminal of the hospital without any special keyboard operation. All you have to do is bring it to a card reader (card terminal) that is connected or built into your computer.

In this case, when the operating voltage is applied to the IC chip inside the card by the interaction between the electronic health insurance card and the card reader described above, the electronic health insurance card number (certificate number) stored in the internal memory of the card and the basic personal information of the insured person Is again transmitted to the card reader through the antenna coil 112, the basic personal information and the electronic medical insurance card information of the medical applicant is output on the monitor of the computer terminal of the hospital.

At this time, the computer terminal of the hospital determines whether the electronic medical insurance card is authentic through the process of inquiring bad transaction (B / L) information or the inquiries of the defective trader in real time and then accepts the medical application normally.

The disapproval number that appears in the above bad transaction (B / L) list indicates that the RF card has the function of a simple electronic medical insurance card, so that medical insurance cards such as unpaid medical insurance, unauthorized users after retirement, and illegal acquirers can be used. Say. In addition, if the RF e-medical insurance card is provided with a payment function such as a credit card, the above bad transaction list refers to a card that is in a state such as expiration date of the card, theft report, or suspension of transaction.

Attempts to apply for medical treatment and payment of medical fees using a card registered as a bad trader are considered the same as the use of a medical insurance card by an illegal holder or another person, and crime prevention is prevented in advance. This can be identified simply by requesting and verifying another identification card, such as a national ID or driver's license.

RF card type electronic medical insurance card has the advantage of fast access time and easy to use.

2 is a configuration example of a contact type electronic medical insurance card of the present invention. Here, the configuration of the electronic medical insurance card in which the IC chip 121 is mounted inside one side on the smart card base 120 and the wire connected to the IC chip is drawn to the external contact 122 is shown.

Like the above RF card method, the electronic medical insurance card of the contact method can be printed on the surface of the subscriber's name (insured person's name) and the certificate number. In addition, such a character display can be expressed by an embossing method like a conventional credit card through a separate jig device.

At this time, the representation of the character through embossing does not need to consider the effect on the antenna coil as in the case of the RF card, the degree of freedom of the character marker work is very high.

The electronic medical insurance card based on the smart card base is very reliable because the data input and output is made in a state where the card reader and the electronic medical insurance card is in complete contact. In addition, since the connection data exchange is performed, a large amount of information can be exchanged quickly, and a large amount of memory for data storage can be taken, and a large amount of other information processing functions can be easily added to the same electronic medical insurance card. However, the convenience of use is inferior to the RF card because the electronic medical insurance card must be inserted into the card slot at the predetermined position of the card terminal.

3 is a configuration example of a combination type electronic medical insurance card that simultaneously supports contact / contactless type of the present invention. In this case, the RF IC chip 131 and the contact IC chip 133 are respectively mounted on one side of the combi card base 130, and the antenna coil 132 is mounted on the RF IC chip 131. The contact IC chip 134 is configured by connecting an external contact 122.

The RF IC chip and the contact IC chip in the combination type electronic medical insurance card can be realized as one chip.

When the electronic medical insurance card is applied on the combination card, a wide range of insertion of various additional functions can be selectively taken to take advantage of the contactless RF card and the contact smart card for each application function.

For example, the contact part of a combination card is suitable for hospitals, pharmacies, micropayments, filling, etc., and the contactless part is suitable for transportation. In order to maintain compatibility with the current transportation card in actual field application, ISO14443 card standard is supported in contactless type, and ISO7816 1/2/3/4 card standard is supported in contact type such as micropayment, and memory size Is standardized in 20K ROM and 8K EEPROM.

In particular, it is possible to execute electronic commerce over the Internet by using a prepaid card or a debit card (contact card) function added to the combination type electronic medical insurance card. Such electronic commerce connects a contact card interface device to a client computer (PC) connected to the Internet through a LAN or a dedicated line, and connects the contact (external terminal) portion of an electronic health insurance card to the contact interface device to provide Internet billing. Can be done.

In fact, the connection device for the interface between the contact card and the client PC can be manufactured in a very simple structure and can be manufactured at low cost, which can be distributed freely to the public for its use.

Figure 4 provides a number of functions, such as transportation card, credit card, communication card, prescription delivery card, prepaid card, debit card, etc. to the electronic medical insurance card 100 according to the present invention, this card It shows a schematic block configuration to recognize and process for each terminal.

In fact, it is necessary to secure a memory area in which the electronic medical insurance card can be given various card functions in advance. For example, the memory area of the IC chip can be shared as many as necessary, and each memory area can be independently recorded and stored for the data required to perform a specific card function.

FIG. 7 shows an example of memory sharing in the above case. For example, the first memory area is defined as a medical insurance card area, the second memory area is designated as a resident registration card area, and the third memory area is a credit card. The fourth memory area may be a prepaid card area, the fifth memory area is a prescription card area, and the sixth memory area is a vehicle insurance card area.

When the memory partition is initially issued an IC card having only the electronic medical insurance card function and the prescription delivery card function, the two memory card functions cannot escape their own first memory area and fifth memory area. In other memory areas, goslans remain.

The sharing area of the memory is designed to be increased, changed, or deleted using a program of an external card terminal without replacing the card.

Therefore, the use of the memory area determined for each specific service can be easily modified, deleted, or changed by a program supported by the card terminal according to the will of the owner of the electronic medical insurance card. Therefore, the addition of a new card function does not need to discard the old card and obtain a new card.

That is, when adding a new card function to the electronic medical insurance card is made relatively simple without replacing the card, it will be able to significantly reduce the reissue cost of the electronic medical insurance card.

Even if the electronic medical insurance card has a complex function, the card terminal (card reader) 70 having different functions will access only a predetermined memory area for the corresponding service.

For example, when the electronic medical insurance card 100 is used to receive medical treatment in a hospital terminal, the medical card terminal retrieves the identification number, the applicant's name, the expiration date, etc. stored in the first area of the memory area of the IC chip, and checks it. In addition, through the medical insurance network, insurance premiums will be billed to the Health Insurance Corporation.

If the electronic medical insurance card has a function of a transportation card, the prepaid card area which is the fourth memory area of the IC chip at the moment of tagging the transportation card terminal to pay the transportation fee using the electronic medical insurance card. Will withdraw digital currency for one use.

If a credit card function is added to the electronic health insurance card, a check can be made on the credit card terminal in order to pay a particular service or product in a post payment using the electronic health insurance card. If not, the purchase of the service or product will be made.

5 shows a basic block configuration of a card terminal (card reader) 70 for performing a data read and write function with respect to the multifunctional electronic medical insurance card of the present invention. As referred to herein, the card terminal is connected to the main control module 71 and the main control module RF card communication module 72 for radiating radio waves for activating the RF card 110 and performing data exchange. ), A transaction history storage module 74 for storing transaction history with the RF card, a terminal computer communication module 75 for exchanging B / L data, card number data, etc. with the terminal computer, It basically includes a display 77 for displaying the card usage amount or usage information of the RF card user.

In particular, the main control module 71 is a smart card (contact card) communication for reading the data of the memory area of the smart card and the combination card 120, and also to send the information of the terminal computer to the memory area of the contact card Module 79 may be added.

In addition, the main control module 71 may include a password input keypad 78 and a user interface module 76 to prevent unauthorized use of the card.

In addition, the main control module 71 of the card terminal 70 may be further provided with a B / L data storage module 73 to immediately determine the transaction approval and rejection of transactions for the bad trader in the field.

The B / L data storage module 73 automatically connects to a central computer through a terminal computer at regular intervals or from time to time so that new B / L data generation and update information is immediately updated.

6 shows an internal circuit block configuration of the IC chip 111 of the RF card 110. As shown in FIG. Here, the IC chip 111 is largely divided into the RF interface unit 51, the control unit 56, and the memory unit 58.

The RF interface unit 51 is a rectifier 52 for rectifying the induced voltage induced in the antenna coil 112, the card related to the electronic medical insurance, traffic, prepaid, debit, etc. transmitted and received by the antenna coil 112 A voltage stabilizer 54 and a clock for arithmetic controller clocking which modulate and demodulate data, and a demodulator 53 and a voltage stabilizer 54 which receives a rectified output of the rectifier and supplies a stable voltage to each part of the circuit (clock generator and CPU: arithmetic controller). Generator 55.

The control unit 56 includes an operation controller 57 having a data serial-to-parallel conversion circuit, a RAM, and a ROM therein.

The memory unit 58 is composed of a memory 59 including an EEPROM and a ROM capable of writing and deleting digital data.

In particular, the memory 59 may be shared in an area of a predetermined capacity so that a plurality of cards including the electronic health insurance card may have their own memory areas as described above. In addition, the size of the functional area of the memory 59 may be optimally shared based on the actual required memory capacity rather than the constant allocation method. Therefore, the memory size of the first region may be larger or smaller than that of the second region or another region.

Looking at the operation of the contact and contactless card system having such a hardware structure as follows.

First, the RF card 110 to which functions such as an electronic medical insurance card or a transportation card are granted is a no battery type card operating by receiving power wirelessly from the outside through an antenna coil 112 therein. Its life is semi-permanent because it doesn't need its built-in battery. When the RF card 110 approaches the card terminal 70 within a certain distance, the RF card 110 continuously or periodically radiates from the antenna of the RF card communication module 72 embedded in the card terminal 70. Card 110 is to develop. That is, the induced voltage is obtained from the antenna coil 112 inside the RF card.

The RF card 110 rectifies and smoothes the induced voltage and uses the circuit operating power inside the RF card. The RF card 110 has an effective approach distance between the card terminal 70 supplying operating power to the RF card 110.

The effective distance is determined by the size and size of the antenna coil, the number of turns, and the like. In actual application, the recognition distance between the two is preferably designed to be about several tens of mm.

Since the card and the card terminal are physically connected to the smart card communication module 79 by inserting and inserting the contact smart card 120 into the card slot thereof, the operation voltage supply and data interfacing therebetween are completed.

On the other hand, when a voltage induced in the antenna coil as a circuit operating voltage is applied to the IC chip 111 of the RF card 112, the voltage is rectified by the rectifier 52 in the RF interface unit 51 and the voltage stabilizer 54 is applied. After stabilization at, the voltage is supplied to the CPU 57, the clock generator 55, the transformer, and the demodulator 53 in the integrated circuit.

When power is supplied from the voltage stabilizer 54 in the RF interface unit 51 to the CPU (operation controller) 57 in the control unit 56, the CPU 57 changes its registration card number data imported from the memory. Since the demodulator 53 modulates the RF signal to the antenna coil 112, the card number data is wirelessly transmitted to the card terminal 70 side.

In FIG. 5, the RF card communication module 72 of the card terminal 70 includes data access sequences and data codes corresponding to the RF interface unit 51 of the RF card 110 for data communication with the RF card 110. Then, decoding (modulation, demodulation) is performed and transmitted to the main control module 71.

After that, the main control module 71 of the card terminal 70 transmits the received card number data to the terminal computer 80 which manages the B / L through the terminal computer communication module 75 (B / L). Look up. The terminal computer 80 approves the transaction if the entered RF card number is not included in the B / L.

In fact, the time required for the card inquiry operation is only a few ms.

On the other hand, the RF card user can check the amount of use or the usage history displayed on the display device for displaying the amount of use of the user interface module installed in the card terminal.

If the electronic medical insurance card is implemented on the RF card, the personal information of the insured or the beneficiary will be conveniently summarized and displayed on the display of the recipient computer at the hospital reception window.

The B / L data storage module 73 connected to the card terminal 70 can identify the validity of the electronic medical insurance card, that is, the medical insurance deprived person or the disqualified person. You will have a list, which will greatly reduce the time it takes to validate your electronic health insurance card.

The B / L data storage module 73 of the electronic medical insurance card in the card terminal 70 downloads and updates a new B / L list at regular intervals from an institution that can manage all B / L integratedly. In principle. The institution may be a medical insurance corporation.

The new B / L data will be supplied from the server computer of the Medical Insurance Corporation through the terminal computer 80.

8 is a flowchart illustrating a data input and output process between card terminals matched with this card when a number of different functions are assigned to the electronic health insurance card.

As referred to herein, when the electronic medical insurance card to which the various card functions are added is accessed to a specific card terminal, the card terminal transmits its category unique code data to the electronic medical insurance card.

The electronic medical insurance card side compares the category-specific code sent out from the card terminal side with the memory area codes in its IC chip. The unique code for each category of the card terminal needs to be defined in advance so as to correspond 1: 1 with each area code of the shared memory.

If the valid area code of the shared memory and the unique code of the card terminal do not match in this comparison step, the electronic medical insurance card is not available and if the code is matched, the information contained in the memory of the area code is read. To the side. The information at this time may be a card unique registration number which is mainly a certificate number.

The card terminal receives the card unique registration number from the card side and checks whether B / L is present.

If the B / L is checked, the card is not available. Otherwise, the card is approved and the details are stored together with the update of medical treatment / payment / other information through the actual card use.

The B / L may include both medical B / L and financial B / L. Here, the medical B / L refers to the list of medical insurance certificate numbers registered for each electronic medical insurance card as having lost its validity by the Insurance Service, and the financial B / L is determined by the credit card as a poor credit rating. His transaction suspension is a list of card numbers registered in the financial network.

9 is an overall block diagram of an operating system of an electronic medical insurance card according to the present invention. As referred to herein, when a patient with the electronic medical insurance card 100 visits a hospital and requests a medical treatment, the doctor must treat the patient and issue a prescription accordingly.

At this time, the doctor may access the insurance corporation server 10 and access the patient DB 12 with the ID number of the patient's electronic medical insurance card to query the past medical history and medication information for the patient. Confirmation of the past history of these patients is not essential for medical treatment. In addition, in order to check whether the electronic medical insurance card 100 presented by the client uses an object classified as a medical insurance ineligible person or a medical insurance ineligible person, the certificate number of the card is used as a list of the ineligible insurance card. The stored medical B / L DB 15 is queried to confirm whether or not it is legitimate use.

Furthermore, the hospital terminal 18 provides a B / L memory area for downloading and storing the B / L information provided by the B / L DB 15 of the insurance corporation server 10 at regular intervals. Medical B / L can also be self-verified quickly.

If the electronic medical insurance card is recognized as valid, the doctor may pay the patient's out-of-pocket amount using the credit card, debit card or prepaid card attached to the electronic medical insurance card after treating the patient. At this time, the financial B / L inquiry of the payment card is inquired separately from the B / L inquiry of the medical card.

The financial B / L can use the credit reporter as it is registered in the existing financial computer network. Such a function may be commonly applied to a card terminal for recognizing an electronic medical insurance card to be attached or embedded in the hospital terminal 18. That is, one card terminal can be designed to check both the financial B / L and the medical B / L.

The doctor writes the prescription according to the medical treatment as a digital file using his hospital terminal 18 and transmits it to the Insurance Corporation server 10. This medical record updates the patient DB 12.

At this time, the prescription code can be issued to the patient, and the social security number, name, address, etc. can be used as the prescription code to minimize the burden on the patients to remember.

The easiest way to do it with a prescription code is to use your digital health insurance card number.

The hospital side can collect the insurance fee from the patient's medical expenses through the DB 14 to claim the EDI system. This can be done through the EDI system program supported by each terminal.

Therefore, the system of the present invention supports the complete computerization of the hospital's work.

The digital prescription prepared by the doctor and uploaded to the Insurance Corporation server 10 through the hospital terminal 18 is stored in the prescription DB 16.

Meanwhile, a patient who has been issued a digital prescription by a doctor in a hospital visits his or her regular pharmacy or pharmacy near the current location, presents the electronic medical insurance card 100 to the pharmacist, and requests the prescription medicine.

The pharmacist connects the pharmacy terminal 20 to the insurance corporation server 10 and accesses the prescription DB 16 with the code number of the electronic medical insurance card, or the code number suggested by the client of the prescription preparation, and retrieves the digital prescription.

Prior to checking the digital prescription, the pharmacy terminal 20 checks the medical B / L and the financial B / L as in the hospital terminal 18. The process is the same as that performed on the hospital terminal side described above.

The pharmacist prepares according to the received prescription and uploads the medication information of the prepared medicine to the patient DB 12 through the Insurance Corporation server 10.

Although it is difficult to define the uploading of prescription prescriptions by pharmacists, it may be recommended that the prescriptions be submitted when claiming medical expenses by the insurance company.

Medical B / L DB and financial B / L DB can be owned by hospital and pharmacy. To this end, the hospital terminal 18 and the pharmacy terminal 20 are further provided with a B / L storage area for a financial bad trader or a B / L inquiry means for a bad financial trader. In this case, if the credit card or debit card or prepaid card function is used to allow the card payment for medical treatment and the medical card, the payment card of the electronic medical insurance card is credited to the financial prospects. By determining whether or not registered as a bad trader, it is possible to limit the card payment of medical expenses for the bad credit card. Of course, this can be solved simply by the decision about who lost medical insurance.

On the other hand, the above system can fundamentally resolve the unfair drug charges through the false prescription issued by the hospital side and the false drug charges through the false prescription input at the pharmacy side.

Unfair medical billing and unfair drug billing are illegal acts that unfairly take the medical insurance fund formed through the payment of insurance premiums of the public, and such illegal acts can be easily detected by applying the system of the present invention.

The insurance corporation server 10 may monitor all the treatment-related prescriptions and the preparations according to the prescriptions transmitted through the hospital terminal 18 and the pharmacy terminal 20. That is, according to the medical treatment of the hospital The prescription unique number written on the invoice will be posted to the Insurance Corporation with the premium claim through the pharmacy in which the kanji has prescribed prescriptions. Therefore, if the insurance claim list is cross-checked by the pharmacy unit or the hospital unit, it is possible to clearly check the pharmacy that claims the unfair medical fee or the pharmacy that charged the unfair medical fee if there is an unfair premium claim.

Through this, it is possible to fundamentally prevent the insolvency of medical finances caused by illegal insurance premium claims.

10 is a block diagram of a payment system for medical care and prescription delivery and medical expenses in a hospital using the electronic medical insurance card of the present invention.

As referred to herein, when an insured person who has an electronic medical insurance card (100) who faithfully pays insurance premiums regularly to the Insurance Management Corporation visits the hospital and requests medical treatment, the doctor uses the hospital terminal 18. Issue a digital prescription, present the identification code of the prescription to the patient, and charge for medical care.

This medical bill can be immediately paid using the IC credit card, IC debit card, IC prepaid card, etc. built in the electronic medical insurance card (100). The digital prescription confirmation code may be replaced with the identification number of the electronic medical insurance card.

The hospital side charges the electronic prescription discharge to the Insurance Corporation server 10 side using the hospital terminal 18, and at the same time attach the bill charged medical insurance fees to the EDI system. The amount charged will be settled after the claim is approved.

If there is a claim for insurance from the hospital terminal 18 side and the approval of the number falls to the insurance corporation, the payment is made to the hospital via the bank server 26 of the bank.

When the copayment of medical expenses by the insured subscriber is paid by card, the hospital has bad trader information, that is, financial B / L information, through the financial computer using a card terminal embedded or connected to the hospital terminal 18. After requesting a credit inquiry to the card company server 24, if the transaction approval drops, a sales slip is issued to complete the card transaction.

Next, the card company notifies the health insurance subscriber to pay the payment price using the card so that the insured person pays the card usage fee immediately, and the bank pays the card fee through the bank server 26 from the insurance subscriber. Settle the medical expenses on the side.

11 is a block diagram of a dispensing cost and a payment system according to a prescription in a pharmacy using an electronic medical insurance card of the present invention.

As referred to here, if a medical insurance subscriber with an electronic medical insurance card 100 that pays insurance premiums regularly to the Insurance Management Corporation visits the pharmacy and requests prescriptions, the pharmacist uses the pharmacy terminal 20. By calling the prescription contents contained in the prescription DB of the Insurance Corporation server (10), the preparation and supply as described in the corresponding prescription and charges.

The drug cost can be immediately paid using an IC credit card, IC debit card, IC prepaid card, etc. built in the electronic medical insurance card (100). The digital prescription confirmation code may be replaced with the identification number of the electronic medical insurance card.

The pharmacy side receives the electronic prescription from the Insurance Corporation server 10 using the pharmacy terminal 20 to prepare according to the prescription and bill the medical insurance burden medical expenses of the preparation costs to the EDI system. The amount charged will be settled after the claim is approved.

If the number of insurance claims from the pharmacy terminal 20 side and the approval of the number falls to the Insurance Corporation, the payment is made to the pharmacy side via the bank server 26 of the bank.

If the cardholder pays the copayment of prescription drug expenses by the insurer, the pharmacy requests a credit inquiry from the card company's server 24 using the pharmacy terminal 20, and if the transaction is approved, a sales slip is issued to complete the card transaction. .

Next, the card company notifies the health insurance subscriber to pay the payment price using the card so that the insured person pays the card use fee immediately, and the bank pays the pharmacy immediately after paying the card use fee through the bank server 26 from the insurance subscriber. Settle the medical expenses on the side.

12 is a block diagram of a direct delivery method of a prescription using an electronic medical insurance card of the present invention.

The system largely includes a hospital terminal system 180 installed on the hospital side, a pharmacy terminal system 200 installed on the pharmacy side, and an electronic medical insurance card 100 issued by an individual subscriber. The electronic medical insurance card 100 may be issued in units of insurance benefits. In particular, the hospital terminal system 180 and the pharmacy terminal system 200 may be provided with a medical B / L DB through the Insurance Corporation server.

The hospital terminal system 180 is composed of a hospital computer 181 and a card data read / write device 182, the hospital computer 181 is a computer under the jurisdiction of the doctor in charge of the hospital as a doctor for the patient It performs the function of inputting medical result and prescription, and outputting medical records of past patients.

The card data lead / writer 182 receives prescription data of a doctor inputted to the hospital computer 181 and writes the prescription data to the electronic medical insurance card 100 mounted on the card data lead / writer 182. It performs a function of recording and reading the medical information recorded on the medical card and outputting the medical information to the hospital computer 181 for use of the treating doctor.

The electronic medical insurance card 100 basically has personal basic personal information and card issue number information of the owner, and also electronically records medical data related to medical records and prescription information by a doctor and medication information by a pharmacist. A memory means capable of storing is provided.

The pharmacy terminal system 200 is composed of a pharmacy computer 201 and a card data read / write device 202, the pharmacy computer 201 is a pharmacist dedicated computer of the pharmacy for the prescription information of the doctor for the medical card holder The reading and printing allows the pharmacist to dispense and administer the prescription medicine to the medical cardholder.

The card data read / write device 202 is coupled to the pharmacy computer 201 to read a doctor's prescription data contained in a medical card and deliver the data to the pharmacy computer 201. In addition, the card data read / write machine 202 receives the fact-filled medication information to the patient (electronic medical insurance card holder) according to a prescription or alternative prescription through the pharmacy computer 201 to receive the medical card. Can be recorded on. Therefore, the pharmacy computer 201 may be authorized to input the result of the preparation and dosing according to the prescription and to output the past medical records of the corresponding medical card holder.

In addition, the hospital computer 181 and the pharmacy computer 200 may have a memory area for storing medical B / L information.

In addition, the electronic medical insurance card 100 may record the specific medical history or specific disease information of the holder of the electronic medical insurance card so as to confirm the information of the specific patient by the emergency paramedic in an emergency. For example, the basic personal information and medical care and medication related information and RH from the past to the present owner of the card ^- it can record information such as uniqueness, penicillin shock, heart disease, epilepsy, into digital data.

In particular, the peculiarity information may be displayed on the front or the back of the electronic medical insurance card by a letter to enable visual identification by an ambulance in an emergency.

In addition, the emergency ambulance by installing a card data lead / writer 182 for reading the medical records and special information of the insured recorded in the electronic medical insurance card 100 to quickly identify the emergency patient information You can make sure you take appropriate action.

In the prescription delivery system configured as described above, when the patient visits the hospital for medical treatment and presents the electronic medical insurance card 100 and requests or receives medical treatment, the electronic medical insurance card 100 before the doctor performs the medical treatment. In order to determine whether or not to disqualify), the electronic medical insurance card 100 is inserted into the card data read / write device 182 connected to the doctor's hospital computer 181 in the terminal system of the hospital. Check.

Confirmation at this time will be made by accessing the Insurance Corporation server and querying its B / L DB or its own medical B / L information memory area.

Checking the medical B / L, if normal, the doctor outputs the past medical record of the patient recorded in the electronic medical insurance card to the monitor of the hospital computer 181 to check the past history of the doctor.

The past medical records of these patients are used as a reference for medical treatment and prescription issuance by the attending physician, so that the side effects of drug abuse and misuse can be prevented in advance.

The card data read / write device 182 is installed at a medical reception / cashier window so that the receptionist / cashier can download the past medical information recorded on the medical card of the medical applicant and transfer it to the doctor's hospital computer 181. The system can be designed and modified, and medical B / L can be mounted here.

When the doctor in charge treats the patient and inputs the prescription to the hospital computer 181, the prescription data is transmitted to the card data lead / writer 182, and the electronic medical equipment mounted on the card data lead / writer 182 is provided. It is recorded in the memory device of the insurance card 100.

The memory of the electronic medical insurance card sequentially records the input medical information and prescription information, and when the information exceeding the memory capacity is input, it can be stored in a memory swing method that is pushed out in the order of the first registration information. have.

If the card data read / write device 182 is designed to be connected to the doctor's hospital computer 181 and the card data lead / write machine 182 is designed as described above, the doctor's prescription data is stored at the card of the reception / cashier window. The data read / write device 182 may be downloaded and the prescription data may be downloaded to the patient's electronic medical insurance card 100.

When the prescription data of the doctor is recorded on the electronic medical insurance card 100, the holder of the medical card visits the pharmacy and requests the pharmacist to prepare and administer the prescription.

If there is a request for dispensing and dosing from a patient with a medical card, the pharmacist uses the card data read / write device 202 coupled to the pharmacy computer 201 of the pharmacy terminal system 200, and the electronic medical insurance card of the dosing requester. After reading the prescription data recorded in the (100) and check it through the monitor of the pharmacy computer 201, the drug is prepared or replaced according to the prescription to provide to the patient and the dosage conditions are described. At this time, since the prescription information of the card holder is transmitted to the pharmacist's computer terminal, the pharmacist can omit the computing work such as the personal information of the prescribing client or the preparation of the prescription medicine list, so that computerization is naturally performed.

Prior to the prescription preparation by the pharmacist in the pharmacy, the medical B / L confirmation process is automatically performed by the pharmacy computer.

The pharmacist of the pharmacy may also be authorized to view the past medical information and medication information of the patient through the visitor's medical card.

This allows the pharmacist to protect the patient against clearly improper prescriptions from the doctor who overlooked the patient's specific condition. However, it would be desirable for the pharmacist to inquire the patient's medical history, etc., with the consent of the holder of the electronic medical insurance card to access the patient's medical history and medication records.

To this end, in order to restrict access to cardholder information in the medical card by a pharmacist, the medical card access system may be encrypted and designed.

Through the card data read / write device 202 connected to the pharmacy computer 201, the pharmacy records the pharmacist's preparation and medication execution information according to the doctor's prescription on the data recording means in the electronic medical insurance card 100. Allowed.

It accurately manages individual medical information through medical card, so it will be effectively used as important reference data for the next medical treatment or administration.

In addition, by providing one or two or more functions of a credit card, a debit card, or a prepaid card to the medical insurance card 100, a medical card user can be integrated by integrating medical treatment, medication, and payment functions into a single card. Can be.

13 is a flow chart illustrating a prescription delivery process according to the present system.

This is described as follows. First, when the patient visits the hospital and presents the electronic medical insurance card, the doctor reads past medical treatment information contained in the medical insurance card through his computer and refers to the medical treatment.

If medical conditions require medication, doctors write a prescription on a computer and record the prescription data on the patient's health insurance card. If the result of the treatment is not necessary, for example, if it is concluded that stability alone is sufficient, or if inpatient treatment is required, then the treatment process is terminated and the examination process is terminated.

If there is a prescription for the treatment result and the prescription data is recorded on the patient's own electronic medical insurance card, the patient should visit the regular pharmacy or the nearest pharmacy and present the medical insurance card.

If a pharmacist presents an electronic medical insurance card from a patient in a pharmacy, the pharmacist reads the prescription contents through his computer, prepares and sells the medicine according to the prescription, and informs him of the method of administering the medicine. To complete.

14 is a block diagram of an automatic fare collection system in which an electronic medical insurance card of the present invention incorporates a post-paid RF card and uses public transportation.

A person who intends to use the subway as a transportation card embedded in the electronic medical insurance card has a certain distance (about tens of millimeters) from the card terminal 70 provided with the subway opening and closing system for the electronic medical insurance card with the built-in RF transportation card connected to the bank payment account. Approach within

Then, the RF medical card built-in electronic medical insurance card 100 receives the transmission wave of the card terminal 70 by receiving a power source wirelessly to activate the IC chip of the RF medical card embedded electronic medical insurance card 100.

Accordingly, the RF medical card embedded electronic medical insurance card 100 transmits its card number to the RF card communication module 72 (antenna) of the card terminal 70.

The number of the RF traffic card received by the card terminal 70 is transmitted to the terminal computer 80, which is a history-based aggregation system, and inquired to the B / L registered in advance. Approval is determined.

Here, if the traffic card transaction approval drops, the terminal computer 80, which is a historical system of aggregation, sends the departure station information (station name, departure time) to the card terminal 70 installed in the ticket gate.

Since the card terminal 70 transmits the departure station information to the RF medical card embedded electronic medical insurance card 100 wirelessly through the RF card communication module 72 therein, such starting station information is the RF medical card embedded electronic medical care. It is recorded on the EEPROM, which is a nonvolatile memory device inside the insurance card 100.

In this step, the ticket gate opens its own switchgear, and at the same time, the current turnover amount is displayed on the display of the ticket gate.

On the other hand, when the B / L data storage module is additionally installed in the card terminal 70, the inquiry time of the RF traffic card is shortened, and the construction of the system is simplified.

As before, the terminal computer 80 is operated at regular intervals or from time to time to receive additional B / L data provided from the host computer side of the card issuer on-line and to update it to the B / L data storage module.

After the passenger at the subway station arrives to the RF medical card built-in electronic medical insurance card 100 within a certain distance (100㎜) to the card terminal on the ticket gate of the arrival station, RF medical card built-in electronic medical insurance card (100) The card number and the starting station information stored in the internal EEPROM are activated by the electro-magnetic field signal transmitted from the card terminal and wirelessly transmitted to the card terminal 70 side.

The card terminal 70 transmits the departure station information for each RF traffic card obtained at this time to the terminal computer 80 provided at the arrival station.

In this manner, the corresponding fare is calculated by the terminal computer which is the arrival station counting system, and the corresponding fare is withdrawn from the bank payment account connected to the corresponding RF transportation card through the online with the center computer 81.

On the other hand, the terminal computer 80, which is an aggregation system for each history, downloads the bad card number list from the card issuer 82 through the center computer 81 at regular intervals or whenever necessary, updates it, and confirms the transaction. The fee data for each RF traffic card is transmitted to the center computer 81.

The center computer 81 collects the calculated subway fare data and transmits it to the card issuer 82.

The card issuer 110 withdraws the payment for the subway used as the transportation card from the designated bank payment account of the corresponding RF transportation card and deposits it into the designated account at the subway construction 83 side according to the settlement result.

The data exchange between the terminal computer 80 and the center computer 81 is performed independently of the data exchange between the RF traffic card 100 and the card terminal 70 and the terminal computer 80.

This is not a time limit for the data exchange between the terminal computer 80 and the center computer 81, but the data exchange between the RF medical card built-in electronic medical insurance card 100 and the card terminal 70 and the terminal computer 80 This is because the nature of freight collection requires promptness at the time of ticketing.

In fact, RF card check time is only a very short time (0.1 seconds).

As such, the automatic automatic fare collection system for subway fare using RF transportation card makes it easier for users to get rid of cash and purchase tickets, shorten the time required to open a ticket, and connect with other means of transportation using the same debit card payment method. There is an advantage to be possible.

In addition, from the standpoint of the subway construction, it can improve the work efficiency by automating the industrial industry, reduce the ticket manufacturing cost and the ticketing work, and increase the speed of passenger handling by improving the ticketing efficiency.

As described above, the present invention can produce an electronic medical insurance card using a contact IC card, a contactless IC card or a combination IC card, and store the personal and insurance records of the insured and dependents in the electronic medical insurance card. By minimizing the economic waste of paper insurance card issuance, it is convenient to carry the insurance card at all times.

In addition, in the present invention, an electronic medical insurance card is provided with a credit card area, a prepaid card area, and an identity card area that can replace a resident registration card and a driver's license for payment of personal insurance information and expenses related to various medical activities. Only one electronic health insurance card can bring the total service.

In addition, the present invention can be downloaded from the hospital computer side of the patient medical treatment and the digital prescription using the electronic medical insurance card can be prepared in the regular pharmacy or the nearest pharmacy, thereby minimizing the deliberate damage of personal information by others have.

In addition, the present invention by providing an electronic medical insurance card with the functions of a contactless public communication card and RF traffic card, it is possible to minimize the number of cards to be held by the individual in everyday life.

In addition, the present invention stores and retains the past medical information for each patient including medication information by the pharmacist in addition to the function of delivering the prescription record according to the doctor's treatment to the pharmacist performing the pharmacist-drug, so that only the doctor or pharmacist-drug pharmacist By selectively disclosing the information, unnecessary exposure of patient information can be avoided.

In addition, the present invention does not need to perform computerization work for customers and patients in hospitals and pharmacies, because the automatic transfer from the electronic medical insurance card to the card terminal without inputting the basic information keyboard for the patient in the hospital or pharmacy. . In particular, the terminal of the yakgu side receives the basic information and the prescription information about the visitor through the card digitally and processes the input, which is more convenient, and the customer DB is automatically generated.

In addition, the present invention, when the emergency rescue situation by the rescuer is developed due to the outbreak of the patient with a specific disease by allowing the rescuer to check important information on the current emergency patient through the electronic medical insurance card, Make sure you have the best first aid.

In addition, the present invention in the medical insurance industry, through the cross-check of the billing charges premium list by hospital and pharmacy charges premium list by pharmacy by the unique number unit of prescription through the issuance of false prescription bill at the hospital side and false prescription input at the pharmacy side Unfair drug billing behavior can be traced back to the law, which can fundamentally resolve illegal activities related to insurance claims in hospitals and pharmacies.

Claims (30)

In the memory area of the IC card, it is possible to read / write the personal information and medical insurance benefits of medical insurance subscribers and medical insurance benefits in digital memory. Electronic medical insurance card, characterized in that the configuration by printing a letter. 2. The electronic device as claimed in claim 1, wherein the IC card is a contact type IC card in which an external contact connected to an internal IC chip is exposed to the surface of the card so that data exchange with the card terminal and supply of operating power are performed through the contact. Medical insurance card. The non-contact type IC according to claim 1, wherein the IC card is provided with an IC chip and an antenna coil connected to the IC chip along the outer circumference of the card so that data exchange and operation message supply with the card terminal are wireless. Electronic medical insurance card, characterized in that the IC card. 2. The electronic medical insurance card according to claim 1, wherein the IC card is a combination IC card that supports both contact and contactless data exchange and operation power supply with a card terminal. The electronic medical insurance card according to any one of claims 1 to 4, wherein a memory of the IC card is provided with a prepaid card chip area for paying a transportation fee. The electronic medical insurance card according to any one of claims 1 to 4, wherein a memory of the IC card is provided with a credit card chip area for the purchase of goods and services. The electronic medical insurance card according to any one of claims 1 to 4, wherein the memory of the IC card is provided with a debit card chip area for purchasing goods and services. Electronic medical insurance card (100) possessed by the medical patient; A hospital terminal 18 into which a prescription of a patient is input by a doctor together with the identification number of the electronic medical insurance card; An insurance corporation server 10 which receives a prescription contents from the hospital terminal, stores the prescription contents in a prescription DB 16, and has a DB 14 for referring to the medical number when claiming the medical expenses of the insurance corporation; When the pharmacy visitor presents the electronic medical insurance card and requests the prescription medicine, the prescription is prepared by accessing the electronic prescription prescription stored in the prescription DB 16 by accessing the insurance corporation server and using the certificate number. Electronic medical insurance card operating system, characterized in that it comprises a pharmacy terminal (20) for transmitting to the insurance information and the insurance information and the preparation information and insurance number. The insurance corporation server (10) has a B / L DB (15) that summarizes the insurance card numbers for regulating unauthorized use of medical insurance losers and medical insurance eligibility holders. Electronic health insurance card operating system. The method according to claim 8, wherein the hospital terminal 18 and the pharmacy terminal 20, B / L for downloading and storing the B / L information provided by the B / L DB 15 of the Insurance Corporation server 10 at regular intervals L medical card operating system, characterized in that for providing a memory area. 11. The method of claim 10, wherein the hospital terminal 18 and the pharmacy terminal 20, the credit card or debit card or pre-paid card using a single electronic medical insurance card is added to allow medical care and payment for the card If the payment card of the electronic medical insurance card is registered as a bad credit trader in the financial prospects, the B / L storage area for bad traders is used to restrict the payment of medical expenses for the bad credit card. Or an electronic medical insurance card operating system, further comprising a B / L inquiry means for a financial bad trader. The method according to claim 8, wherein the Insurance Corporation server (10) is connected to the patient DB (12) stored according to the disease information and medication information for each patient by identification number, when the patient requests information from the hospital terminal 18 by a doctor Electronic medical insurance card operating system, characterized in that to provide the disease and medication information of the identification number contained in the DB. The method according to claim 8, wherein the medical insurance fee charged from the hospital terminal 18 and the pharmacy terminal 20 is billed through an EDI system supported by a program of each terminal. Electronic medical insurance card operating system, characterized in that. An electronic medical insurance card (100) issued on a medical insurance subscriber basis and provided with an information recording means; Hospital computer (181) for outputting the contents recorded on the electronic medical insurance card to query the past medical records and medication records of the requesting patient and to record the prescriptions of the doctor according to the results of the current medical treatment on the electronic medical insurance card. And a card terminal read / write device 182, the hospital terminal system 180; It is characterized in that it consists of a pharmacy terminal system 200 consisting of a pharmacy computer 201 and card data read / write device 202 to read the prescription information contained in the electronic medical insurance card to output the prescription information for the treatment patient Electronic health insurance card operating system. 15. The method of claim 14, wherein the electronic health card information storage means provided in the 100, from basic personal information and history of the cardholder care and medication related information and RH up to now ^- penicillin shock, heart disease, epilepsy, Electronic medical insurance card operating system, characterized in that the unusual information such as is recorded as digital data. 16. The system of claim 15, wherein the peculiarity information is displayed on the front or the back of the electronic medical insurance card by text to enable visual identification by an ambulance in an emergency. The electronic medical insurance card according to claim 14, wherein the card data read / write device 182 for reading the medical record and specific information of the insured recorded in the electronic medical insurance card 100 is installed in the emergency ambulance. Insurance card operating system. 15. The electronic medical insurance card operating system according to claim 14, wherein the electronic medical insurance card (100) is equipped with a credit card chip applied to a credit card system in order to give a credit card function of a postpaid payment method. 15. The electronic medical insurance card operating system according to claim 14, wherein the electronic medical insurance card (100) is equipped with a debit card chip applied to the debit card system in order to give a debit card function of an immediate payment method. 15. The electronic medical insurance card operating system according to claim 14, wherein the electronic medical insurance card (100) is equipped with a prepaid card chip applied to the prepaid card system in order to give a prepaid card function of a prepaid payment method. The electronic medical insurance card operating system according to claim 14, wherein the information recording means of the electronic medical insurance card is an IC chip having a contact external contact. 15. The electronic medical insurance card operating system according to claim 14, wherein the information recording means of the electronic medical insurance card is a contactless IC chip having an RF connection antenna coil. 15. The electronic device of claim 14, wherein the hospital terminal 180 and the pharmacy terminal 200 provide a B / L memory area for regulating unauthorized use of a person who loses medical insurance and a person who is disqualified from medical insurance. Medical insurance card operating system. 24. The method of claim 23, wherein the hospital terminal 180 and the pharmacy terminal 200 to update the B / L memory area by downloading the updated medical B / L list at regular intervals from the B / L DB of the Insurance Corporation server Electronic medical insurance card operating system, characterized in that. 24. The method of claim 23, wherein the hospital terminal 180 and the pharmacy terminal 200 allows a card payment for the medical treatment and the medical treatment using a single credit card, debit card or one electronic medical insurance card with a prepaid card function If the payment card of the electronic medical insurance card is registered as a bad credit trader in the financial outlook, the B / L storage area or the finance B is used to restrict the payment of medical expenses for the bad credit card. / L electronic medical insurance card operating system characterized in that it further provides a means for inquiry. 15. The electronic medical insurance card operating system according to claim 14, wherein the information recording means of the electronic medical insurance card is a combination IC chip including both an IC chip having a contact external contact point and a non-contact IC chip by an antenna coil. 15. The electronic medical insurance card operating system according to claim 14, wherein the information recording means of the electronic medical insurance card is a flash memory chip. An electronic medical insurance card comprising an IC chip that stores information such as the subscriber's name, certificate number, member, affiliation, etc., and calculates input and output to replace a paper medical insurance card. In addition to the unique medical card function by the traffic card, credit card, communication card, prescription delivery card, prepaid card, debit card, etc., the function of the memory area of the IC chip in a sufficient number as necessary The unique code is assigned by sharing, and the data required for performing a specific card function can be independently recorded and stored for each memory area by this sharing, and the card terminal for card recognition for each function is assigned to the unique code of the shared memory area. Electronic medical insurance card operating method, characterized in that the access only if the match. 29. The method of claim 28, wherein the size of the sharing area of the memory is divided into optimal memory size units for each service content. 29. The method of claim 28, wherein the sharing area of the memory is designed to be increased, changed, or deleted using a program of an external card terminal without replacing the card.