TWM558963U - Intelligent medical loan device - Google Patents

Abstract

The present disclosure provides an intelligent medical loan device, which comprises an input device, a bio-information capturing unit, an execution unit, a memory unit, and a display unit. The input device is used for inputting a user information of a user. The bio-information capturing unit is used for capturing at a bio-information of the user. The execution unit is used for comparing whether the user information and the bio-information are belong to the user, if the user information and the bio-information are belong to the user, then executing a medical payment management system and calculating to generate an electronic contract, then showing the electronic contract on the display unit.

Description

Smart medical loan service device

This creation is about a smart medical lending service device, especially for the medical industry, which generates a piece of payment related information based on 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 Significantly serious.

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

In order to solve the above problems of the prior art, the creation can complete the loan procedure through a smart medical loan service device. The utility model obtains a user's financial information, community information and health information by applying the medical expense lending service device to a medical expense management system including an association module, a community module and a health module. In order to evaluate the loan that the user can afford (a loan evaluation message), and generate a corresponding electronic contract based on the loan evaluation message.

To achieve the above objectives, the present invention provides a smart medical lending service device for an execution device.

The smart medical lending service device further includes an input device, a biological information capturing device, an executing device, a memory device, and a display device.

The input device is configured to input a user profile of a user. The biometric information capture device is configured to capture biometrics of the user. The input device is configured to input user data of the user. The executing device is configured to connect the input device and the biometric information capturing device and acquire the user data and the biometric feature. The memory device is coupled to the execution device and has a medical expense management system. The executing device is configured to compare the user profile with the biometric to the user, when the When the user profile and the biometric belong to the user, the medical fee management system is executed and an electronic contract is generated, and the electronic contract is displayed on the display device.

In a preferred embodiment, the medical expense management system includes an association module, a community module, a health module, and an evaluation module.

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

In a preferred embodiment, the input device comprises a combination of one or more of an IC card reader, a keyboard, and a touch screen.

In a preferred embodiment, the medical expense management system further includes a staging module for generating an installment payment message based on the loan evaluation message.

In a preferred embodiment, the medical fee management system further includes a creditor establishment module for establishing a creditor information between the user and the creditor based on the installment payment message.

In a preferred embodiment, the medical fee management system further includes a contract establishing module for generating an electronic contract based on the debt information.

In a preferred embodiment, the medical fee management system further includes an authentication module for comparing whether the user profile and the biometric belong to the user.

In a preferred embodiment, the biometric information capture device includes a camera for recording the user's operation of the smart medical lending service device.

Compared with the prior art, this creation can complete the loan procedure through a smart medical loan service device. The utility model obtains a user's financial information, community information and health information by applying the medical expense lending service device to a medical expense management system including an association module, a community module and a health module. In order to evaluate the loan that the user can afford (a loan evaluation message), and generate a corresponding electronic contract based on the loan evaluation message.

10‧‧‧ Medical Expense Payment Structure

100‧‧‧ Medical Expense Management System

110‧‧‧Input device

121‧‧‧ joint module

122‧‧‧Community module

123‧‧‧Health Module

130‧‧‧Evaluation module

140‧‧‧ staging module

150‧‧‧Debt building module

160‧‧‧Contract Establishment Module

170‧‧‧Certificate Module

200‧‧‧Smart Medical Lending Service

210‧‧‧ display device

220‧‧‧Bioinformatics capture device

230‧‧‧Execution device

240‧‧‧ memory device

1 is a schematic diagram showing the appearance of a smart medical loan service device according to the present creation; FIG. 2 is a block diagram showing a smart medical loan service device according to the present creation; and FIG. 3 is a view showing a medical expense payment structure introduced into the present creation. A schematic diagram; and a fourth diagram showing a detailed diagram of the medical expense management system according to Fig. 2.

The following description of the various embodiments is set forth to illustrate the specific embodiments The directional terms mentioned in this creation, such as "upper", "lower", "before", "after", "left", "right", "inside", "outside", "side", etc., are only references The direction of the schema. Therefore, the directional terminology used is used to describe and understand the creation, and is not intended to limit the creation.

Please refer to Figures 1 to 2. Figure 1 shows the creation according to this creation. A schematic diagram of the appearance of the smart medical loan service device 200; Fig. 2 is a block diagram showing the smart medical loan service device 200 according to the present creation. The smart medical lending service device 200 includes an input device 110, a biological information capturing device 220, an executing device 230, a memory device 240, and a display device 210. Preferably, the input device 110 is configured to input the user profile of the user. In detail, the input device 110 can be an input device such as an IC card reader, a keyboard, a touch screen, or the like. In the smart medical lending service device 200, the user needs to input or provide his/her personal user data, so that the smart medical lending service device 200 can obtain related information about the user through the corresponding module. For example, an IC card reader can read natural person credentials, identity cards, health insurance cards, and the like. The display device 210 can also be integrated into the touch screen of the input device 110.

The biometric information capture device 220 is configured to capture a biometric of the user. Preferably, the biometric information capture device 220 can be a camera. In addition to being used to identify the user, the biometric information capture device 220 can also be used to record the user's operation of the smart medical lending service device 200. . The display device 210 can be a liquid crystal screen.

The executing device 230 is configured to connect the input device 110 and the biometric information capturing device 220 and acquire the user data and the biometric feature. The memory device 240 is coupled to the execution device 230 and has a medical expense management system 100. The executing device 230 is configured to compare the user profile and the biometric to the user, and when the user profile and the biometric belong to the user, execute the medical fee management system 100 and calculate an electronic contract, and generate the electronic contract Combined It is displayed on the display device 230.

For example, the smart medical lending service device may be a KIOSK machine with a touch screen and a camera, and may also include a biometric capture device such as a fingerprint recognition device and an iris recognition device. Allow users to complete loan operations on the KIOSK machine.

It should be particularly noted that although the biometric information capturing device 220 in the preferred embodiment is a camera and the input device 110 is an IC card reader, in other preferred embodiments, the creature may be changed according to different usage requirements. The information capture device 220 and the input device 110.

The following is a detailed description of how the smart medical lending service device 200 of the present invention operates by the 100:

Referring to Figures 3-4, Figure 3 is a schematic diagram showing the medical fee payment architecture 10 introduced into the present creation. Fig. 4 is a detailed view showing the medical fee management system 100 according to Fig. 2. Compared to prior art techniques, the present invention adds the smart medical lending service device 200 between a user (ie, a patient) and a creditor (generally a medical institution). The medical expense payment structure 10 is configured to enable a patient (user) to more easily pay a hospital or clinic (creditor) for the medical expenses, and the smart medical loan service device 200 of the present invention and the medical non-medical device thereof The management system 100 is used. Let the Consumer and the Business directly form a C2P-like business model that greatly simplifies the time of the existing loan process.

The medical non-use management system 100 includes a joint credit module 121, a community module 122, a health module 123, and an evaluation module 130. A staging module 140, a credit building module 150, a contract building module 160, and an authentication module 170.

In detail, the authentication module 170 is configured to compare whether the user profile and the biometric belong to the user. When the user profile and the biometric belong to the user, the user profile input by the input device 110 is used by the association module 121, the community module 122, and the health module 123. The association module 121 uses the user profile to obtain the financial information of the user, which is basically a personal credit message. The community module 122 uses the user profile to obtain the community message of the user, which is 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 the user's health message, in short, the user's health status (eg, age, workable years, medical history, family history, etc.). The evaluation module 130 generates a loan evaluation message based on the financial message, the community message, and the health message obtained by the three modules.

Conversely, when the user profile and the biometric do not belong to the user, the department performs subsequent operations.

In summary, by integrating the analysis results of each user's health big data (health messages), social network messages (community messages), and personal finances (financial messages), we can learn about the comprehensive evaluation of each user. Model (loan assessment message).

In detail, the medical fee management 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 an installment payment message according to the loan evaluation message. The creditor establishment module 150 is configured to establish a credit information between the user and a creditor according to the installment payment message. The contract creation module 160 is configured to generate an electronic contract based on the claim information. Finally, the electronic contract obtained by the last operation is displayed by the display device 210. The user can decide whether to accept or not based on the displayed electronic contract.

In detail, this creation uses the Block Chain technology to match the user data and the biometrics of the user to complete the establishment of the electronic contract.

This creation provides a more accurate loan evaluation mechanism than the traditional technology that only considers the financial information loan method.

The execution device 230 and the memory device 240 (including the association module 121, the community module 122, the health module 123, the evaluation module 130, and the staging module) 140. The creditor establishment module 150, the contract establishment module 160, and the medical expense management system of the authentication module 170 may also be 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 staging module 140, the creditor building module 150, the contract establishing module 160, and the authentication module Each of 170 is a program instruction stored in the storage device. The central processor is used to execute these program instructions to implement the functions described above for these modules.

The focus of this creation is to include the individual's health status and social status in the loan review conditions, 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. It should be noted that those skilled in the art can make some improvements and retouching without departing from the principle of the present invention. These improvements and retouchings should also be regarded as The scope of protection of this creation.

Claims (8)

A smart medical lending service device comprising: an input device for inputting user data of a user; a biological information capturing device for capturing biometric characteristics of the user; and an executing device for connecting the input device and The biometric information capture device acquires the user profile and the biometric feature; a memory device coupled to the execution device and having a medical expense management system; and a display device; wherein the execution device is configured to compare Whether the user profile and the biometric belong to the user, when the user profile and the biometric belong to the user, executing the medical fee management system and computing to generate an electronic contract, and displaying the electronic contract on the display device. The smart medical loan service device according to claim 1, wherein the medical expense management system comprises: an association module, the user information is used to obtain the financial information of the user; and a community module uses the user The information is obtained from the user's community message; a health module uses the user profile to obtain the user's health message; and an evaluation module generates a loan evaluation based on the financial message, the community message, and the health message message. The smart medical lending service device of claim 2, wherein the input device comprises a combination of one or more of an IC card reader, a keyboard, and a touch screen. For example, in the smart medical loan service device described in claim 2, the medical expense management system further includes a staging module, and generates an installment payment message according to the loan evaluation message. For example, in the smart medical lending service device described in claim 4, the medical expense management system further includes a creditor establishment module for establishing a creditor information between the user and the creditor according to the installment payment message. The smart medical lending service device of claim 5, wherein the medical fee management system further comprises a contract establishing module for generating the electronic contract based on the claim information. The smart medical lending service device according to claim 2, wherein the medical expense management system further comprises an authentication module for comparing whether the user profile and the biometric belong to the user. The smart medical lending service device of claim 1, wherein the biometric information capturing device comprises a camera for recording a process of the user operating the smart medical lending service device.