KR20090067272A - Finance system for providing medical servide and method thereof - Google Patents

Abstract

A financial system for offering a medical service and a service method thereof are provided to offer the interest-free installment service for a high-priced medical service to a user. A communication interface(110) performs communication with a user or member store through a network. A settlement processing unit(140) performs the payment when a valid payment is requested by using the identifiers of members and member stores and information about medical expenses. A commission calculating unit(120) performs the payment processing of the amount of money left after deducting the commission from the paid medical expenses. An insurance processing unit(130) provides a predetermined insurance commission to an external insurance company system.

Description

FINANCE SYSTEM FOR PROVIDING MEDICAL SERVIDE AND METHOD THEREOF}

The present invention relates to a financial system and a method for providing a medical service. More specifically, the present invention provides the user with interest-free installment payment of expensive medical expenses, while increasing the sales through the promotion of medical services to the merchant and reducing the trauma revenue, and the risk of medical accidents to both the user and the merchant. The present invention relates to a financial system and a service method thereof.

With the recent improvement in the quality of life, there is an increasing demand for well-being-related medical services such as implants, plastic surgery, obesity treatment, and beauty.

However, the health insurance currently in operation does not in principle cover insurance benefits for medical treatments for diseases that are not intended to treat diseases or injuries or that do not interfere with work or daily life. There is no benefit at all.

In order to cover such special medical services, insurance companies are proposing private medical insurance, but such private medical insurance is extremely limited in coverage, such as non-paid medical services, and the coverage is extremely narrow, and expensive non-paid medical care Coverage of services leads to an increase in the number of insurance, which is a burden on consumers.

The payment of medical expenses for existing medical services by credit card or capital supports partial payment, but there is an interest burden due to the partial payment, and the credit payment for users who cannot pay expensive medical expenses is the burden of the trauma payment. There was also an increasing problem.

In addition, since there is no safety device for a situation in which the user is not satisfied with the medical service subjectively or an objectively occurring medical accident occurs, there is a problem that leads to a consumer complaint or a medical dispute in the above situation.

Accordingly, there is an urgent need for a financial system for medical services that can solve the burden of accident payment for desired medical services while eliminating the burden of temporary medical expenses and interest to users.

Some embodiments of the present invention provide a financial system and method for providing health care providers with reduced interest payments and trauma revenues, while providing interest-free installment payments for expensive medical services.

In addition, some embodiments of the present invention provide a financial system and method that can provide insurance services for rediagnosis or further treatment in case of dissatisfaction with medical services or medical accidents.

As a technical means for achieving the above-described technical problem, the financial service method according to the first aspect of the present invention, the step of receiving a medical bill payment request signal from a payment device of a predetermined merchant, member information included in the payment request signal And identifying merchant information, providing interest-free K-time payments of the medical expenses based on the identified member information, and paying medical expenses deducting a fee higher than interest of predetermined interest-free K-times payments. And transferring a portion of the fee as an insurance fee for insurance for the member or merchant.

In addition, the financial system according to the second aspect of the present invention, using a communication interface for supporting data communication with the member or merchant, the member and the merchant's identifier and medical bill amount information included in the payment request signal received from the communication interface By using the payment processing unit that determines whether the payment is valid and performs the payment, a fee settlement unit that performs payment processing to the affiliated store by subtracting a predetermined fee for the amount of medical expenses, and a part of the predetermined fee, An insurance processing unit for providing an insurance fee for the member or merchant and transmitting an insurance service request signal to an insurance system when an insurance processing event occurs, wherein the settlement processing provides interest-free installment payment of the amount corresponding to the medical expenses; .

Also along the third aspect of the invention. The member recruitment system of financial services, which provides a non-interest installment payment to a member for medical expenses of a predetermined medical service, and provides a part of the merchant fee for the medical expenses as an insurance fee for insurance of the member or the merchant, the member or merchant A communication interface for supporting data communication with the product, a product information providing unit providing at least one product included in the financial service through the communication interface, a member information collecting unit collecting member information through the communication interface, and It includes a merchant information collection unit for collecting the merchant information through the communication interface.

According to the configuration of the present invention described above, the user can select one of the merchants that provide a variety of medical services, to alleviate the burden of paying medical expenses through interest-free installment payment for a large amount of medical services.

In addition, according to the configuration of the present invention, the medical service company can promote its own merchants to secure efficient customers, reduce the trauma revenue and provide stable services.

In addition, the user may be guaranteed rediagnosis or additional treatment even if the medical service is not satisfactory, and the medical service company may relieve the burden of disputes that may occur due to a medical accident. This provides a specialized security guarantee device for medical services, providing increased sales to merchants and user satisfaction.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it can further include other components other than the other components unless otherwise stated.

1 is a view schematically showing a financial service according to an embodiment of the present invention.

Financial services of the present invention is provided by the financial company system 100, insurance company system 30, affiliated store 20, the user 10 as a component.

In FIG. 1, the user 10 is in a state of receiving a membership subscription or credit card that can use a financial service according to an embodiment of the present invention.

In addition, the affiliated store 20 is a member of a financial service according to an embodiment of the present invention has entered into an agreement regarding payment of interest-free installment with the financial company system 100.

Insurance company system 30 is associated with financial company system 100 for insurance for rediagnosis or additional care as part of a financial service according to one embodiment of the invention.

According to an embodiment of the present invention, the user 10 is provided with a medical service from a predetermined merchant 20. In this case, the user 10 may pay interest-free installments over 10 months or 12 months, for example.

The interest-free installment payment is made using a credit card issued as a member, and is actually made to the financial company system 100 which is a credit card issuer. Here, a part of the interest for partial payment of medical expenses is supported by the affiliated store 20 by a predetermined agreement.

That is, the financial company system 100 provides the affiliated shop 20 with an amount deducting a part of interest for the payment of the medical expenses as a fee, thereby allowing the user 10 to pay the medical expenses in an interest-free manner. . Accordingly, the financial company system 100 may obtain a profit corresponding to the fee, and the fee may be accumulated and operated according to the policy of the financial company.

Meanwhile, a part of the amount corresponding to the fee may be operated as insurance for the user 10 and the affiliated shop 20. The insurance company system 30 is linked with the financial company system 100 to provide insurance services for the medical service. That is, a part of the fee may be provided to the insurance system 30 as a premium for a member who subscribes to a financial service according to an embodiment of the present invention.

The insurance service may include a rediagnosis service for a well-known medical company designated by the financial company system 100 or the insurance company system 30 in advance. That is, for a specific disease, such as cancer, in which the initial diagnosis is very important, the user 10 is paid from the insurance company system 30 for the rediagnosis cost of the designated medical company.

Alternatively, in the event of a misdiagnosis or a medical accident, the insurance company system 30 may provide the cost of additional treatment of another affiliated store or the same affiliated store according to a predetermined condition.

For the above-described configuration, the insurance company system 100 may establish a database for members and merchants subscribed to the financial service according to an embodiment of the present invention, and may manage the usage records by database. The financial company system 100 may provide a special financial benefit to the affiliated store or adjust the rate of insurance money provided to the insurance company system 30 according to the use results.

Hereinafter, a detailed process of the financial service according to an embodiment of the present invention will be described in detail.

2 is a flowchart illustrating a financial service method according to an embodiment of the present invention.

In step S100, the user 10, merchant 20, financial company system 100, insurance company system 30 is mutually subscribed for medical financial services for an embodiment of the present invention, the user has a membership card Is issued. More specifically, the membership card issued with the user 10 as a member mutually contracts the card so that the medical expenses corresponding to the affiliated store 20 can be paid by the interest-free installment payment method, and the user ( 10) and the affiliated store 20 is joined.

In step S110, the affiliated store 20 provides the user 10 with a predetermined medical service for the service. Here, the provided medical services are medical services equivalent to N won, and the user 10 is obliged to pay for medical expenses N won.

On the other hand, the user 10 pays the medical expenses N won as a member card, and can pay the N won divided into the financial company system 100 over K times (S120). Here, the payment is made by receiving a medical billing request signal from the payment device of the affiliated store. On the other hand, in the embodiment of the present invention, interest on the N source does not occur.

The financial institution system 100 identifies the member information and the merchant information included in the payment request signal by the user 10 and pays an amount corresponding to 0.9N won to the merchant 20 based on a predetermined agreement ( S130). Here, the 0.1N won corresponding to the difference corresponds to the amount partially supported by the merchant 20 for the partial payment interest in order to attract customers. The identification may be performed by confirming that the payment is made to the payment device of the predetermined affiliate store using the membership card.

If it is determined through the identification that the payment is made through a valid member and a valid merchant, the interest-free K-times payment is provided to the user as described above.

On the other hand, the financial company system 100 by earning a difference corresponding to 0.1N won generated from a plurality of merchants, it is possible to operate the funds. On the other hand, a portion of the amount corresponding to the 0.1N won is paid to the insurance company system 30 as an insurance fee for the user 10 and the merchant 20 (S140).

The insurance company system 30 provides insurance service for the user 10 or the affiliated shop 20 when a predetermined insurance service provision reason occurs. The types of insurance services may include rediagnosis services for diseases (for example, cancer diagnosis) that require careful attention to diagnosis results, additional treatment services for medical accidents, and loss of merchants for medical accidents. Can be. Here, the re-diagnosis service may define a disease type, and provide a selection to the user 10 by creating a third medical institution pool that is familiar with the limited disease.

In the above-described steps, data exchange is performed between the affiliated store 20, the financial company system 100, and the insurance company system 30 through a network.

Through the embodiment shown in Figure 2, the subscriber can pay the interest-free installment payment for the medical expenses corresponding to N won, the affiliated store 20 will receive the medical expenses equivalent amount except the fee in a lump sum, the financial company system 100 Equivalent commission can be managed or paid to the insurance company system 30 as an insurance fee.

Through the above-described configuration, the present invention satisfies both users and merchants by efficiently guaranteeing inherent risks (rediagnosis, medical accidents) that only medical services provide, while providing interest-free installment payment for expensive medical services. Service can be provided.

3 is a block diagram showing the configuration of a financial company system according to an embodiment of the present invention.

The financial company system 100 includes a communication interface 110, a fee settlement unit 120, an insurance processing unit 130, a payment processing unit 140, and a DB server 150.

The DB server 150 includes a member DB 151, a merchant DB 152, a payment DB 153, and an insurance DB 154.

The member DB 151 stores member information of users who have subscribed to a service according to an embodiment of the present invention. The member information may include personal information about a member, an identifier of a member card for identifying the member, a password for security, a type or grade of a product subscribed to by a member, a credit, an account for payment, a type of insurance service, and a grade. At least one.

The affiliated store DB 152 stores information about the affiliated store subscribed to the service according to the embodiment of the present invention. The affiliated store information includes at least one of identification information of an affiliated store, medical service identification information of an affiliated store, a fee rate of an affiliated store, and service usage statistics.

The payment DB 153 stores payment information for each member and affiliated store. The payment information includes at least one of the amount to be paid to the merchant, statistics on the amount paid from the member, service usage statistics for each member and the merchant.

The insurance DB 154 stores insurance information for each member and merchant. The insurance information includes an identifier of an insurance product provided by the service, an insurance fee table for each insurance product, insurance payment event data, and usage statistics of each member and the insurance product.

The communication interface 110 communicates with the user 10 or the affiliated store 20 through a network, receives a payment request signal using a membership card, and transmits an approval signal for the payment.

In response to the payment request signal received through the communication interface 110, the payment processing unit 140 performs payment for medical expenses and stores the related information in the payment DB 153. The payment request signal includes information on the member and the merchant's identifier and the medical cost amount, and the payment processing unit 140 is based on the data stored in the member DB 151 and the merchant DB 153, and the effective member is valid at the merchant. It is determined whether the payment is requested, and if the payment is valid, the payment processing is performed.

The fee settlement unit 120 performs payment processing based on the data stored in the payment DB 153 and the affiliated store DB 152 to subtract the fee for the paid medical expenses.

The insurance processing unit 130 processes data to be provided to the external insurance company system 30 using the data stored in the insurance DB 154, and if the insurance payment event occurs, whether the insurance payment event is valid. To judge. If it is determined that the insurance payment event is valid corresponding to the data stored in the insurance DB 154, the insurance payment request signal is transmitted to pay the predetermined insurance money.

In addition, the insurance processing unit 130 examines the insurance usage statistics of the user or merchant, applies the statistics to the insurance fee rate, and, if a rate change occurs according to the insurance company system and a predetermined agreement, the insurance DB data is provided from the insurance DB 154. Update

4 is a diagram illustrating a medical cost support financial system according to another embodiment of the present invention.

In the embodiment illustrated in FIG. 4, the member recruitment system 200 recruits the user 10 and the affiliated shop 20 to collect related information. That is, the member recruitment system 200 determines a financial service product according to an embodiment of the present invention, and provides information about the member to the user 10 and the affiliated store 20 to recruit members.

In addition, the member recruitment system 200 may perform issuance of a member card having a code for identifying the financial institution system 100 and a financial service according to an exemplary embodiment of the present invention.

The collected user and merchant information may be provided to the financial company system 100 and the insurance company system 30. The financial company system 100 stores the received user and merchant information in the member DB and the affiliated store DB, and provides a free interest payment service for payment of medical expenses that occur later.

In addition, the user and merchant information may be provided to the insurance company system 30 as insurance basic information. The insurance company system 30 may determine the appropriate insurance fee, insurance payment reason, insurance payment amount, etc. for the user and the merchant using the provided insurance basic information.

According to the configuration shown in Figure 4, even if the financial company system 100 does not directly perform the function for the merchant or member recruitment, it receives only the information of the user and merchants approved for membership through the member recruitment system 200, the tactics It is possible to provide a financial service according to an embodiment of the present invention.

In addition, the member recruitment system 200 may generate a variety of financial service products by combining the plurality of financial company system 100 and the insurance company system 30 to provide a user with a selection of various services.

Figure 5 is a block diagram showing the configuration of a member recruitment system according to another embodiment of the present invention.

The member recruitment system 200 includes a communication interface 210, a merchant information collecting unit 220, a member information collecting unit 230, a product information providing unit 240, and a DB server 250.

The DB server 250 includes a product information DB 251, a member DB 252, and an affiliated store DB 253.

The communication interface 210 provides data communication with the user 10, the affiliated store 20, the financial company system 100, and the insurance company system 30.

The product information DB 251 classifies and stores detailed information related to interest-free installment payment and insurance contracted with the financial company system 100 and the insurance company system 30, and codes them. Each time a new financial service product is offered, data is added or updated. The product information stored in the product information DB 251 may be generated from information stored in the affiliated store DB 252 described later, and may be provided through the product information provider 240.

The member DB 252 is a member's personal information transmitted through the communication interface 251, an identifier of a member card for identifying the member, a password for security, a type or grade of a service subscribed to by the member, creditability, payment Store at least one of the account, insurance service type and grade for.

The affiliated store DB 252 stores at least one of detailed information of the affiliated store, identification information about the affiliated store, medical service identification information of the affiliated store, and a fee rate of the affiliated store transmitted through the communication interface 251.

The commodity information providing unit 240 stores commodity information stored in the commodity information DB 251, for example, commodity information such as a medical service that can be provided, a list of affiliated stores, a period of partial payment, and a payment method through the communication interface 240. to provide. The product information providing unit 240 may be implemented as a web server, so that the user 10 or the affiliated store 20 may view or select using the client device.

The affiliated store information collecting unit 220 performs a function of collecting information related to an affiliated store when a specific medical institution wants to join an affiliated store. The affiliated store information collection unit 220 may provide an interface through which an operator may directly input affiliated store information, or may be implemented such that the affiliated store 20 may input its own information through a network using a client device.

The member information collecting unit 230 collects information of the user 10 who wants to use the financial service. The member information collection unit 230 may be implemented to allow the user 10 to input his or her information through a network using a client device.

Among the above-described components, data stored in the member DB 252 and the affiliated store DB 253 are transmitted to the selected financial institution system, thereby providing the interest-free payment of medical expenses through the financial institution system.

Through the above-described configuration, the member recruitment system 200 systematically performs member recruitment and merchant recruitment, and interworkes with a financial company system and an insurance company system, thereby efficiently distributing financial services according to an embodiment of the present invention.

One embodiment of the present invention can also be implemented in the form of a recording medium containing instructions executable by a computer, such as a program module executed by the computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer readable media may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transmission mechanism, and includes any information transmission medium.

Although the methods and systems of the present invention have been described in connection with specific embodiments, some or all of their components or operations may be implemented using a computer system having a general purpose hardware architecture.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

1 is a view schematically showing a financial service according to an embodiment of the present invention.

2 is a flowchart illustrating a financial service method according to an embodiment of the present invention.

3 is a block diagram showing the configuration of a financial company system according to an embodiment of the present invention.

4 is a diagram illustrating a medical cost support financial system according to another embodiment of the present invention.

Figure 5 is a block diagram showing the configuration of a member recruitment system according to another embodiment of the present invention.

Claims (12)

In the financial service method for providing a medical service, Receiving a medical billing request signal from a payment device of a predetermined merchant; Identifying member information and merchant information included in the payment request signal; Providing an interest-free K installment payment of the medical expenses based on the identified member information, Transferring the medical expenses deducted higher than the interest payment of the predetermined interest-free K installments to the merchant's account; and Using a portion of the fee as an insurance fee for insurance for the member or merchant. The method of claim 1, Wherein the insurance includes providing a rediagnosis for a predetermined disease. The method of claim 1, And the insurance is insurance for additional care for a medical accident occurring in the medical service. The method of claim 1, Receiving member information of a user who wants to subscribe to the financial service, Receiving information of an affiliate store that wants to subscribe to the financial service; and Storing the member information and merchant information More, And the payment request signal is identified using the member information and the merchant information. The method of claim 2, Providing a pool of predetermined medical institutions for the rediagnosis Financial service method that further comprises. The method according to any one of claims 1 to 5, The payment request signal is generated using a membership card issued to a member. In the financial system for medical services, A communication interface that supports data communication with a member or merchant, A payment processing unit which determines whether the payment is a valid payment request and performs the payment by using identifiers of the members and affiliated stores included in the payment request signal received from the communication interface and medical expenses amount information; A commission settlement unit which performs payment processing to the affiliated store by deducting a predetermined fee for the medical expenses amount; An insurance processing unit for providing an insurance fee for the member or the merchant using a part of the predetermined fee, and transmitting an insurance service request signal to an insurance system when an insurance processing event occurs; The payment processing is a financial system that provides interest-free installment payment of the amount corresponding to the medical expenses. The method of claim 7, wherein Member DB for storing at least one of the member's personal information, identifier, password for security, product type or grade subscribed to the member, account for payment; And an affiliated store DB that stores at least one of identification information of the affiliated store, the medical service identification information of the affiliated store, a fee rate of the affiliated store, and service usage statistics. The method of claim 8, Payment DB for storing at least one of the amount to be paid to the merchant, statistics on the amount paid from the member, service usage statistics for each member and merchant; And an insurance DB for storing at least one of an identifier of an insurance product provided by the financial service, an insurance fee table for each insurance product, insurance payment event data, and usage statistics of each member and the insurance product. In the member recruitment system of the financial service that provides the interest-free installment payment to the member for the medical expenses of the predetermined medical service, and provides a part of the merchant fee for the medical expenses as an insurance fee for insurance of the member or the merchant. A communication interface that supports data communication with a member or merchant, A commodity information providing unit for providing at least one commodity included in the financial service through the communication interface; A member information collecting unit for collecting member information through the communication interface; A merchant information collection unit for collecting affiliate store information through the communication interface Membership recruitment system comprising a. The method of claim 10, Commodity DB for classifying and storing detailed information related to the commodity into a code, At least one of the collected personal information of the member and an identifier of a member card capable of identifying the member, a password for security, a type or grade of a service subscribed to by a member, a credit level, an account for payment, a type and grade of insurance service Member DB to store and Merchant DB for storing at least one of the collected detailed information of the affiliated store, identification information for the affiliated store, medical service identification information of the affiliated store, the fee rate of the affiliated store Membership system that further comprises. The method of claim 10, The product information providing unit is implemented on the web member recruitment system.

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