TW201918975A - Intelligent medical loan system - Google Patents

Abstract

The present disclosure provides an intelligent medical loan system, which comprises a joint credit module, a social module, a health module and an evaluating module. The joint credit module is used to derive at least one financial data of a user by using user information. The social module is used to derive at least one social data of the user by using the user information. The health module is used to derive at least one health data of the user by using the user information. The evaluating module is used to generate loan-evaluating information according to the at least one financial data, the at least one social data, and the at least one health data.

Description

 Smart Medical Lending Service System  

The present invention relates to a smart medical lending service system, and more particularly to a smart medical lending service system for the medical industry that generates installment payment according to the patient's loan repayment ability.

In the prior art, there is no loan specifically for medical behavior. Patients generally use (1) insurance; (2) general loans or other means to pay for medical activities. For patients, if the insurance is not paid for medical treatment or the loan cannot be approved in time, it is quite inconvenient for the patient.

The problem with conventional technology is that patients and medical institutions are direct consumer behaviors, so there is no flexibility in the payment of medical expenses. If it is a relatively large medical expense, it is assumed that the medical institution will perform the medical behavior first. For the medical institution, if the patient may not be able to pay at one time, it is likely to form a bad debt; For some patients, it may cause irreparable consequences. Therefore, the current medical fee payment framework has considerable problems for medical institutions and patients. In particular, the self-funded medical care that health insurance does not pay is often not low, making the above problems even more serious.

Therefore, it is urgent to propose a smart medical loan service system to solve the above technical problems.

In order to solve the above problems of the prior art, the present invention obtains a user's financial information, community information, and health information by setting up an association module, a community module, and a health module, thereby evaluating the user's affordability. Loan (a loan evaluation message) and generate at least one installment payment message based on the loan evaluation message.

To achieve the above objective, the present invention provides a smart medical lending service system including an association module, a community module, a health module, and an evaluation module.

The association module uses a user profile to obtain at least one financial message of a user. The community module uses the user profile to obtain at least one community message for the user. The health module uses the user profile to obtain at least one health message of the user. The evaluation module generates a loan evaluation message based on the at least one financial message, the at least one community message, and the at least one health message.

In a preferred embodiment, the medical loan further includes an input module for inputting the at least one user profile of the user for use by the association module, the community module, and the health module.

In a preferred embodiment, the medical loan further includes a staging module that generates at least one installment message based on the loan evaluation message.

In a preferred embodiment, the medical loan further includes a claim establishing module, configured to establish at least one claim message between the user and the at least one creditor according to the at least one installment message.

Compared with the prior art, the present invention obtains a user's financial information, community information, and health information by setting up an association module, a community module, and a health module, thereby evaluating the loan that the user can afford ( a loan evaluation message) and generating a corresponding at least one installment message based on the loan evaluation message.

10‧‧‧ Medical Expense Payment Structure

100‧‧‧Smart Medical Lending Service System

110‧‧‧Input module

121‧‧‧ joint module

122‧‧‧Community module

123‧‧‧Health Module

130‧‧‧Evaluation module

140‧‧‧ staging module

150‧‧‧Debt building module

1 is a schematic diagram showing a medical fee payment structure introduced into the smart medical loan service system of the present invention; and FIG. 2 is a detailed view showing a smart medical loan service system according to FIG. 2.

The following description of various embodiments is presented to illustrate the specific embodiments The directional terms mentioned in the present invention, such as "upper", "lower", "before", "after", "left", "right", "inside", "outside", "side", etc., are merely references. The direction of the schema. Therefore, the directional terminology used is for the purpose of illustration and understanding of the invention.

Referring to Figures 1-2, Figure 1 is a schematic diagram showing the medical fee payment architecture 10 of the smart medical lending service system 100 of the present invention. Fig. 2 is a detailed view showing the smart medical loan service system 100 according to Fig. 1. Compared to prior art techniques, the present invention adds the smart medical lending service system 100 between a user (i.e., a patient) and a creditor (typically a medical facility).

The smart medical lending service system 100 includes a joint credit module 121, a community module 122, a health module 123, an evaluation module 130, an input module 110, a staging module 140, and A debt creation module 150 is provided.

Preferably, the input module 110 is configured to input the at least one user profile of the user for use by the association module 121, the community module 122, and the health module 123. In the smart medical lending service system 100, the user needs to input or provide his/her personal user data so that the smart medical lending service system 100 can obtain related information about the user through the corresponding module.

In detail, the association module 121 uses a user profile to obtain at least one financial message of a user, which is basically a personal credit message. The community module 122 uses the user profile to obtain at least one community message of the user, basically based on the community message (such as the person and familiarity) of the user on various social networking sites (software). The health module 123 uses the user profile to obtain at least one health message of the user, in short, the health status of the user (eg, age, workable years, medical history, family history, etc.). The evaluation module 130 generates a loan evaluation message based on the at least one financial message, the at least one community message, and the at least one health message obtained by the three modules.

In summary, by integrating the analysis of each user's health big data (at least one health message), social network message (at least one community message), and personal finance (at least one financial message), A comprehensive rating model for each user (loan assessment message).

In detail, the smart medical lending service system 100 generates a loan evaluation message that the creditor can evaluate through the user's financial message, community message, and health message, thereby allowing the creditor to choose to accept/not accept the loan to the user. Different methods can also be used here, such as directly approving loans and loan conditions based on the loan evaluation information. Then, the staging module 140 generates at least one installment payment message according to the loan evaluation message. The claim establishing module 150 is configured to establish at least one credit information between the user and the at least one creditor according to the at least one installment payment message.

The present invention provides a more accurate loan evaluation mechanism than the prior art which only considers the financial information loan method.

The association module 121, the community module 122, the health module 123, the evaluation module 130, the input module 110, the staging module 140, and the credit establishment module mentioned in the present invention 150 may also be a program that operates through a central processing unit (CPU) and a storage device (memory). The association module 121, the community module 122, the health module 123, the evaluation module 130, the input module 110, the staging module 140, and the creditor building module 150 are all stored in the storage. Program instructions in the device. The central processor is used to execute these program instructions to implement the functions described above for these modules.

The focus of the present invention is to incorporate the personal health status and social status into the review conditions of the loan, and to solve the technical problem that the creditor (medical institution) cannot collect the money in a timely manner when solving the problem that the patient cannot pay in time.

The above is only a preferred embodiment of the present invention, and it should be noted that those skilled in the art can also make several improvements and retouchings without departing from the principles of the present invention. These improvements and retouchings should also be considered as The scope of protection of the present invention.

Claims (5)

 A smart medical lending service system comprising: an association module for obtaining at least one financial message of a user using a user profile; a community module, using the user profile to obtain at least one community message of the user; The module uses the user profile to obtain at least one health message of the user; and an evaluation module generates a loan evaluation message according to the at least one financial message, the at least one community message, and the at least one health message.    The smart medical lending service system of claim 1, further comprising an input module for inputting the at least one user profile of the user for the association module, the community module, and the Health module use.    For example, the smart medical lending service system described in claim 1 further includes a staging module that generates at least one installment payment message based on the loan evaluation message.    The smart medical loan service system according to claim 3, further comprising a creditor establishment module, configured to establish at least one credit information between the user and the at least one creditor according to the at least one installment payment message.    A medical fee payment structure for making it easier for a patient to pay for a hospital's medical expenses. The fee payment structure includes a medical payment system as defined in any one of claims 1 to 4.