KR20110055220A - Method and system supporting medical expenses by using a depositing commodity of a bank - Google Patents

Abstract

PURPOSE: A method and system supporting medical expenses by using a depositing commodity of a bank are provided to receive a medical service at a discount rate without closing a deposit account if a client pays money. CONSTITUTION: A medical expense supporting information is stored(100), and includes the deposit information of a client for bank deposit product and the medical agency information linked with the bank deposit product. The expenses for a medical service of the client is received from a medical agency providing the medical service(102,104). According to the demand of the medical expense, the payment for the medical expense is performed in a certain ratio in consideration of the stored medical support information.

Description

Method and system supporting medical expenses by using a depositing commodity of a bank}

The present invention relates to an invention that allows the medical expenses to be paid as a medical service is provided, and more particularly, a medical expenses support method for allowing a portion of a deposit of a customer paid to a bank to be converted into medical expenses. It is about the system.

As interest in financial technology increases, the number of people who sign up for various bank depository products launched by banks is increasing. However, it is common to deposit the amount of the subscription and payment of the bank depository product in addition to the amount of money spent on living expenses from the income earned in economic activities. Therefore, it is difficult to procure this amount of money in case of sudden occurrence of an event that requires a large amount of money in the home. In particular, if a sudden traffic accident or medical expenses are needed due to a health problem, the bank deposit products that have been registered must be canceled. In this case, in the case of the termination of the bank deposit products, the profits of the period due to the deposit of payments will be extinguished, and the profits of interest income that can be received at maturity will have to be abandoned.

The technical problem to be solved by the present invention is that when a customer sends money in the form of a deposit, banks that can receive medical services at a discounted amount in hospitals affiliated with the company with the amount accumulated so far without the termination of the deposit products. Provide a method and system for supporting medical expenses using deposit products.

In order to achieve the above object, the medical expenses support method using a bank depository product according to the present invention, the payment information of the customer for the bank depository product including any one or more of deposits, savings and funds and medical institutions linked to the bank depository products Storing medical expenses assistance information including information; Receiving a claim for medical expenses resulting from the provision of medical services to said client from a medical institution providing said medical services to said client; And in accordance with the claim for the medical expenses, performing the payment processing for the medical expenses within a certain ratio limit of the payment amount by referring to the stored medical expenses support information.

According to the present invention, even if the customer is not eligible to pay for medical expenses, the client can be provided with medical services, and the medical activities (eg, LASIK, plastic surgery, orthodontics, etc.) that are not covered by insurance are also discounted. There is an effect that can be provided. Also, at the end of the period, the principal is guaranteed and some interest can be received, resulting in high satisfaction.

In addition, according to the present invention, the bank can attract low-cost deposits that can increase the margin of funds by providing interest rates lower than the savings, and can be a good opportunity to secure individual customers. In addition, since affiliated hospitals must deal with the agency, the channel of medical institutions is expanded.

In addition, according to the present invention, a medical institution such as a hospital may promote the hospital through a bank homepage and the like, and may receive an exclusive monopoly compared to a non-affiliated hospital, thereby increasing hospital sales.

Hereinafter, a medical expenses support method using a bank depository product according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a flowchart of an embodiment for explaining a method for supporting medical expenses using a bank depository product according to the present invention.

The medical expenses support information including the payment information of the customer for the bank deposit products including any one or more of deposits, deposits, and funds and the medical institution information associated with the bank deposit products is stored (step 100). Although the present invention refers to deposits, deposits, and funds as bank deposit products, it also includes all bank products for the customer's cashable assets deposited in the bank.

The customer visits the bank to sign up for a bank deposit and apply for medical expenses using the bank deposit. Accordingly, the bank collects a bank statement, a credit information provision agreement, a firm bank withdrawal agreement, etc., and then generates an account number and delivers it to the customer. The customer deposits a certain amount of money through this account either temporarily or periodically. The bank stores the medical expenses assistance information in a predetermined storage space, including information about payments received by the clients and information about medical institutions that are signed to receive medical expenses from bank deposit products when the clients receive the medical services. Save it.

After step 100, the medical institution information is provided to the customer through a bank homepage (step 102). When the customer accesses the homepage of the bank, the bank provides the customer with information about the medical institution, that is, the medical institution information, which is concluded so as to receive medical expenses from the bank depository product, through the homepage. After checking the medical institution information provided by the bank's homepage, the customer can select a medical institution that he / she wants to see. Thereafter, the client visits a medical institution that wants to receive medical care and is provided with necessary medical services.

After step 102, the medical institution that provides the medical service to the customer receives a bill for medical expenses for providing the medical service to the customer (step 104). In this case, the medical bill may receive a charge claim to which a certain discount rate is applied.

The medical institution that provided the medical service, upon request of the client, requests the bank for medical expenses for providing the medical service. Medical expenses charged by medical institutions may be charged at a discounted rate. Reasons for applying a certain discount rate for medical expenses are to promote the medical institution through the bank's homepage, and to return profits from the increase of the awareness of the medical institution and the increase of the customer's utilization rate. There is a side. This allows customers to take advantage of the discount, motivating them to actively use the medical institution. Requests for such medical billing are confirmed online. In particular, it is possible to receive a bill for medical expenses through a Value Added Network. Value-added telecommunications network is a leased communication line from a company that owns a telecommunications line to form its own telecommunications network, and thus provides telecommunication services that accumulate, process, and process information. Responsible for processing the service.

After the step 104, according to the claim of the medical expenses, the payment processing for the medical expenses is performed within a predetermined ratio of the payment amount by referring to the stored medical expenses support information (step 106).

FIG. 2 is a flowchart of an exemplary embodiment for describing operation 106 of FIG. 1.

First, it is determined whether the request of the medical institution for claiming the medical expenses is justified (step 200). Whether the claim for medical expenses is justified is checked whether the medical institution that claimed the medical expenses corresponds to the medical institution associated with the bank's depository product. To this end, it is determined whether there is matching information by comparing the medical institution that has claimed the medical expenses with the medical institution information associated with the aforementioned bank depository product. If there is a matching medical institution among the medical institution and medical institution information that claimed the medical expenses, it is determined that the medical institution is legitimate.

After step 200, if it is determined that the claim of the medical institution is justified, the medical expenses are withdrawn to the account of the medical institution within a certain ratio of the payment amount (step 202). Even if a bank supports the payment of medical expenses, it can only be done within a certain amount. Therefore, the conditions for limiting the support limit of medical expenses to within a certain ratio range are examined. Therefore, if the medical expenses fall within a certain percentage of the amount paid, the bank withdraws all of the billed medical expenses into the account of the medical institution. However, if the medical cost exceeds a certain percentage of the payment, the medical cost is not supported for the excess. In addition, if medical expenses were previously paid, a check is made to determine whether the sum of the previously paid medical expenses and the currently charged medical expenses is within a certain percentage of the amount paid, to determine whether the medical expenses are supported. For example, if the payment amount is 20 million won, and the medical expense payment range is within 10 [%] of the payment amount, the previously paid medical expenses correspond to 1.5 million won, and the currently charged medical expenses are 1.2 million won. If it is assumed that the medical expenses can be supported only within the limit of 2 million won corresponding to 10 [%] of the amount paid, the support limit of medical expenses is supported only within the limit of 500,000 won, and not for the remaining 700,000 won.

If a claim for medical expenses is received through a value added network, payment processing for the medical expenses may be performed through the corresponding value added network.

On the other hand, in step 200, if the claim of the medical institution is not justified, the withdrawal of the withdrawal message for the claim of medical expenses is transmitted to the claim medical institution (step 204). If the medical institution that claimed the medical expenses does not correspond to the medical institution associated with the bank's depository product, it is determined that it is not a legitimate medical institution for claiming medical expenses. If it is determined that it is not a legitimate medical institution, the bank sends a denial of payment of the billed medical expenses to the medical institution.

If the bank depository is terminated before the expiration of the period, the amount will be returned after deducting medical expenses.

Meanwhile, the method inventions of the present invention described above can be implemented as computer readable codes / instructions / programs. That is, storing medical expenses support information including payment information of a customer for a bank depository product including any one or more of deposits, deposits, and funds, and medical institution information associated with the bank depository product; Receiving a claim for medical expenses resulting from the provision of medical services to said client from a medical institution providing said medical services to said client; And a computer-readable recording medium having recorded thereon a program for executing the payment processing for the medical expenses within a certain percentage of the payment amount by referring to the stored medical expenses assistance information in accordance with the claim of the medical expenses. Is another feature of the present invention.

For example, it may be implemented in a general-purpose digital computer for operating the code / instructions / program using a computer-readable recording medium. The computer-readable recording medium includes storage media such as magnetic storage media (eg, ROM, floppy disk, hard disk, magnetic tape, etc.), optical reading media (eg, CD-ROM, DVD, etc.) .

Hereinafter, a medical expenses support system using a bank depository product according to the present invention will be described in detail with reference to the accompanying drawings.

Figure 3 is a block diagram of an embodiment for explaining a medical expenses support system using a bank depository product according to the present invention, a customer 300, a bank server 310, a medical institution server 320 and a value-added communication network 330 Include.

The bank server 310 stores medical expenses support information including payment information of the customer 300 regarding the bank deposit products and medical institution information associated with the bank deposit products. Bank deposits include any one or more of deposits, deposits, and funds.

The bank server 310 provides the medical institution information to the customer 300 through the homepage. In addition, the bank server 310 performs payment processing for medical expenses within a certain ratio of the payment amount of the customer 300 by referring to the pre-stored medical expenses support information according to the medical expenses bill requested from the medical institution server 320. do. The bank server 310 receives a charge for which a certain discount rate is applied to medical expenses. The bank server 310 determines whether the claim of the medical institution that charged the medical expenses is justified, and if it is determined that the claim of the medical institution is justified, the account of the medical institution that charged the medical expenses within the predetermined ratio range for the payment Withdraw money. In addition, the bank server 310 transmits the medical expenses to the claim medical institution server 320 withdrawal of the withdrawal message for the claim of medical expenses, if the medical institution's claim is not justified. The bank server 310 may receive a claim for the medical expenses through a value added network, or may perform a payment process for the medical expenses through a value added network.

The medical institution server 320 requests the bank server 310 for medical expenses in accordance with the medical service provided to the customer 300. In this case, the medical institution server 320 charges a cost to which a certain discount rate is applied to the medical cost.

Referring to FIG. 3, the operation of the medical expenses support system using the bank depository product will be described in detail as follows. First, when a customer 300 deposits a payment amount into a bank temporarily or periodically according to the subscription of a bank depository product, the bank server 310 stores the payment information. In addition, the bank server 310 stores information about a medical institution that is concluded so that a customer may receive medical expenses from a bank depository product when receiving a medical service in a predetermined database (not shown). Thereafter, the bank server 310 provides the customer 300 with medical institution information associated with a bank depository product through a homepage or the like. Thereafter, the customer 300 visits the medical institution identified through the medical institution information and requests the medical service. The medical institution provides the medical service to the customer 300. Thereafter, the medical institution server 320 bills the bank server 310 through the value-added communication network 330 at a predetermined discount rate for medical expenses provided for the medical service provided to the customer 300. Then, the bank server 310 according to the medical billing request requested from the medical institution server 320, the value-added communication network 330 for the medical expenses within a certain ratio limit of the payment amount of the customer 300 by referring to the pre-stored medical cost support information. Payment process through). On the other hand, the bank server 310 transmits the medical expenses to the claim medical institution server 320 withdrawal withdrawal message for the claim of medical expenses, if the medical institution's claim is not justified.

Such a method and system for supporting medical expenses using a bank depository product of the present invention has been described with reference to the embodiment shown in the drawings for clarity, but this is merely an example, and those skilled in the art can make various modifications therefrom. And other equivalent embodiments are possible. Therefore, the true technical protection scope of the present invention will be defined by the appended claims.

1 is a flowchart of an embodiment for explaining a method for supporting medical expenses using a bank depository product according to the present invention.

FIG. 2 is a flowchart of an exemplary embodiment for describing operation 106 of FIG. 1.

3 is a block diagram of an embodiment for explaining a medical expenses support system using a bank depository product according to the present invention.

Claims (13)

Storing medical expenses support information including payment information of a customer for a bank depository product including any one or more of a deposit, a deposit and a fund, and medical institution information associated with the bank depository product; Receiving a claim for medical expenses resulting from the provision of medical services to said client from a medical institution providing said medical services to said client; And In accordance with the claim of the medical expenses, the method for supporting the medical expenses using the bank depository, characterized in that for performing the payment processing for the medical expenses within a certain ratio limit of the payment with reference to the stored medical expenses support information. . The method of claim 1, wherein performing payment processing for the medical expenses Determining whether the claim of the medical institution which charged the medical expenses is justified; If it is determined that the claim of the medical institution is legitimate, withdrawal of the medical expenses to the account of the medical institution that claimed the medical expenses within a certain ratio range for the payment, medical expenses using a bank depository product How to apply. The method of claim 2, wherein performing the payment processing for the medical expenses And if the claim of the medical institution is not justified, sending the withdrawal rejection message for the claim of the medical expenses to the claim medical institution. The method of claim 1, wherein receiving a claim for medical expenses comprises And a method of receiving medical bills to which a certain discount rate is applied to the medical expenses. The method of claim 1, Receiving a claim for the medical expenses, and the payment processing for the medical expenses through a Value Added Network, the medical expenses support method using a bank depository product. The method of claim 1, Through the bank's home page, the medical expenses support method using a bank depository, characterized in that it further comprises the step of providing the medical institution information to the customer. Storing medical expenses support information including payment information of a customer for a bank depository product including any one or more of a deposit, a deposit and a fund, and medical institution information associated with the bank depository product; Receiving a claim for medical expenses resulting from the provision of medical services to said client from a medical institution providing said medical services to said client; And The computer-readable recording medium having recorded thereon a program for executing the payment processing for the medical expenses within a certain percentage of the payment amount by referring to the stored medical expenses assistance information according to the billing of the medical expenses. A bank server storing medical expenses support information including payment information of a customer for a bank depository product including any one or more of deposits, deposits, and funds and medical institution information associated with the bank depository product; And And a medical institution server for requesting the bank server for medical expenses for the medical service provided to the customer. In response to a request for the medical expenses requested from the medical institution server, the bank server performs payment processing for the medical expenses within a predetermined ratio limit of the payment amount by referring to the stored medical expenses support information. Medical expenses support system using product. The method of claim 8, wherein the bank server If it is determined that the claim of the medical institution for claiming the medical expenses is justified, and if it is determined that the claim of the medical institution is justified, the medical expenses are transferred to the account of the medical institution for which the medical expenses are claimed within a predetermined ratio range for the payment. Medical expenses support system using a bank depository, characterized in that the withdrawal. The method of claim 9, wherein the bank server is And if the medical institution's claim is not justified, sending a withdrawal rejection message for the claim of the medical expense to the claim medical institution. The method of claim 8, wherein the bank server The medical expenses support system using a bank depository, characterized in that for receiving a charge applied with a certain discount rate in the medical expenses. The method of claim 8, wherein the bank server Receiving a claim for the medical expenses, and the payment processing for the medical expenses through a Value Added Network, the medical expenses support system using a bank depository product. The method of claim 8, wherein the bank server Medical expenses support system using a bank depository product, characterized in that to provide the medical institution information to the customer through a homepage.

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