WO2019024296A1

WO2019024296A1 - Medical payment system and method based on dynamic short message encryption

Info

Publication number: WO2019024296A1
Application number: PCT/CN2017/108993
Authority: WO
Inventors: 张贯京; 葛新科; 王海荣; 张红治; 周亮
Original assignee: 深圳市前海康启源科技有限公司
Priority date: 2017-07-29
Filing date: 2017-11-01
Publication date: 2019-02-07
Also published as: CN107506996A

Abstract

Provided are a medical payment system and method based on dynamic short message encryption. The method comprises the following steps: receiving first specific information and first encryption and decryption algorithm information sent by a mobile terminal via a short message; according to the first encryption and decryption algorithm information, invoking a corresponding encryption and decryption algorithm to parse the first specific information; receiving second specific information and second encryption and decryption algorithm information sent by a merchant terminal via a short message; according to the second encryption and decryption algorithm information, invoking a corresponding encryption and decryption algorithm to parse the second specific information; and when the first specific information is consistent with the second specific information after comparison, transferring, from a bank account of a user using the mobile terminal, a corresponding payment amount in the first specific information to an account of the merchant terminal, so as to complete payment. By implementing the present invention, network payment can still be realized by means of short message confirmation, even when a network connection is interrupted, and the content of a short message is dynamically encrypted, thereby improving the information security of medical data.

Description

Medical payment system and method based on short message dynamic encryption

[0001] The present invention relates to the field of medical cloud platform network payment, and in particular, to a medical payment system and method based on dynamic encryption of short messages.

Background technique

[0002] In recent years, the rapid development of the Internet, especially the mobile Internet, has affected the economic life of the society and changed the way people work and live. People can use the Internet to work, live, shop, and entertain. Due to the huge potential and prospects of the Internet, more and more merchants are transferring services (for example, health management services) or medical products (for example, OTC drugs) to the Internet for sale.

[0003] At present, more and more users pay online through the network to purchase various medical products or health management services, and then the existing network payment requires the merchant terminal of the merchant and the mobile terminal of the patient and the remote end. The medical cloud platform establishes a network connection (that is, both the merchant terminal and the patient's mobile terminal need to perform data interaction with the medical cloud platform) to implement payment, and if the patient's mobile terminal does not have network coverage or network terminal, payment cannot be performed. The existing method of notification by SMS is insufficient in security, and an information leakage incident will affect the security of user funds. Therefore, it is necessary to provide a medical payment system and method based on dynamic encryption of short messages.

technical problem

[0004] A primary object of the present invention is to provide a medical payment system and method based on dynamic encryption of short messages, which aims to solve the technical problem that payment cannot be performed and payment security is insufficient in the case of network interruption.

Problem solution

Technical solution

[0005] In order to achieve the above object, the present invention provides a medical payment system based on dynamic encryption of a short message, which is operated in a medical cloud platform, and the medical cloud platform is connected to a merchant terminal and a mobile terminal telecommunication network, and the system includes:

a receiving module, configured to receive first specific information and first encryption and decryption algorithm information sent by the mobile terminal by using a short message; [0007] a parsing module, configured to parse the first specific information by calling a corresponding encryption and decryption algorithm according to the first encryption and decryption algorithm information;

[0008] the receiving module is configured to receive second specific information and second encryption and decryption algorithm information sent by the merchant terminal by using a short message;

[0009] the parsing module is configured to, according to the second encryption and decryption algorithm information, invoke a corresponding encryption and decryption algorithm to parse the second specific information; and

[0010] a transfer module, configured to: when the first specific information and the second specific information match, transfer the corresponding payment amount in the first specific information to the account of the merchant terminal from the bank account of the user using the mobile terminal

, complete the payment.

[0011] Preferably, the medical payment data processing system further includes a generating module, configured to generate payment success information and separately send to the merchant terminal and the mobile terminal.

[0012] Preferably, the first specific information and the second specific information include a registered account number, a payment amount, a payment date, a business name, a business address, a name of the medical article, a quantity, and a unit price.

[0013] Preferably, the mobile terminal randomly invokes a built-in encryption and decryption algorithm to encrypt the first specific information and generate first encryption and decryption algorithm information.

[0014] Preferably, the merchant terminal acquires first specific information and first encryption and decryption algorithm information from the mobile terminal by means of Bluetooth or two-dimensional code scanning, and uses the first feature information obtained from the mobile terminal as the first The second feature information is obtained by using the first encryption and decryption algorithm information obtained from the mobile terminal as the second encryption and decryption algorithm f π .

[0015] In another aspect, the present invention further provides a medical payment method based on dynamic encryption of a short message, which is applied to a medical cloud platform, wherein the medical cloud platform is connected to a merchant terminal and a mobile terminal telecommunication network, and the method includes the following steps:

Receiving, by the mobile terminal, the first specific information and the first encryption and decryption algorithm information sent by the short message; [0017] invoking the corresponding encryption and decryption algorithm according to the first encryption and decryption algorithm information to parse the first specific information; [0018] Receiving, by the merchant terminal, the second specific information and the second encryption and decryption algorithm information sent by the short message; [0019] invoking the corresponding encryption and decryption algorithm according to the second encryption and decryption algorithm information to parse the second specific information; and [0020] After the specific information and the second specific information match, the payment is performed by transferring the corresponding payment amount in the first specific information from the bank account of the user using the mobile terminal to the account of the merchant terminal. [0021] Preferably, the medical payment data processing method further includes the following steps:

[0022] generating payment success information and transmitting to the merchant terminal and the mobile terminal respectively.

[0023] Preferably, the first specific information and the second specific information include a registered account number, a payment amount, a payment date, a business name, a business address, a name of the medical article, a quantity, and a unit price.

[0024] Preferably, the mobile terminal randomly invokes a built-in encryption and decryption algorithm to encrypt the first specific information and generate first encryption and decryption algorithm information.

[0025] Preferably, the merchant terminal acquires the first specific information and the first encryption and decryption algorithm information from the mobile terminal by means of Bluetooth or two-dimensional code scanning, and uses the first feature information obtained from the mobile terminal as the first The second feature information is obtained by using the first encryption and decryption algorithm information obtained from the mobile terminal as the second encryption and decryption algorithm f π .

Advantageous effects of the invention

Beneficial effect

[0026] The present invention adopts the above technical solution, and brings the technical effects as follows: The medical payment system and method based on SMS dynamic encryption according to the present invention can purchase medical supplies through the network payment, and the network connection is interrupted. It can also realize network payment through SMS confirmation, improve the efficiency of network payment, improve the user experience of network payment, and dynamically encrypt the content of the message, improve the information security of medical data, and avoid leakage incidents.

Brief description of the drawing

DRAWINGS

1 is a schematic diagram of an application environment of a medical payment system based on short message dynamic encryption according to the present invention.

2 is a block diagram of a preferred embodiment of a medical payment system based on short message dynamic encryption according to the present invention.

3 is a flow chart of a preferred embodiment of a medical payment method based on short message dynamic encryption according to the present invention.

[0030] The implementation, functional features, and advantages of the present invention will be further described with reference to the accompanying drawings.

BEST MODE FOR CARRYING OUT THE INVENTION

[0031] In order to further explain the technical means and efficacy of the present invention for achieving the intended purpose of the invention, the specific embodiments, structures, features and functions of the present invention are described in detail below with reference to the accompanying drawings and preferred embodiments. described as follows. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0032] Referring to FIG. 1, it is a schematic diagram of an application environment of a medical payment system based on dynamic encryption of short messages according to the present invention. The medical payment system 10 based on SMS dynamic encryption in the present invention runs on the medical cloud platform 1.

[0033] The medical cloud platform 1 is connected to the merchant terminal 2 via an internet or a telecommunication network (not shown in FIG. 1). The merchant terminal 2 can also be connected to one or more mobile terminals 3 via the Internet or Bluetooth or NFC. The medical cloud platform 1 is also connected to the mobile terminal 3 via the Internet or a telecommunications network.

[0034] The network is preferably a wireless communication network, including but not limited to, a GSM network, a GPRS network, a CDM A network, a TD-SCDMA network, a WiMAX network, a TD-LTE network, a FDD-LTE network, etc. The internet. In this embodiment, the medical cloud platform 1, the merchant terminal 2 and the mobile terminal 3 transmit information through the Internet or a telecommunication network. Specifically, the merchant terminal 2 accesses the medical cloud platform 1 and performs network data transmission via the Internet, and the mobile terminal 3 can also access the medical cloud platform 1 and perform network data transmission via the Internet. The merchant terminal 2 is installed with the client software of the medical cloud platform 1 for the merchant. When the administrator of the merchant terminal 2 starts the client software for the merchant, the merchant terminal 2 performs the medical cloud platform 1 with the medical cloud platform 1 Internet connection and data interaction. Further, the mobile terminal 3 is installed with a client software for the consumer of the medical cloud platform 1, and when the user using the mobile terminal 3 activates the client software for the consumer, the mobile terminal 3 and the The medical cloud platform 1 performs an Internet connection and enables data interaction. When the medical cloud platform 1 performs data interaction with the merchant terminal 2 and the mobile terminal 3 (ie, a network terminal that transmits data or no signal), the medical cloud platform 1 can send information to the merchant by using a short message in the telecommunication network. Terminal 2 and mobile terminal 3

[0035] The medical cloud platform 1 integrates all the health service product information (for example, chronic disease intervention service, medical image identification service, traditional Chinese medicine treatment service, and the like) provided by the merchant terminal 2 connected to the medical cloud platform 1 The mobile terminal 3 purchases a health service product provided by a merchant to which the business opportunity terminal 2 belongs (for example, includes a chronic disease intervention service, a medical image identification service, a Chinese medicine treatment service, and the like).

It should be noted that the medical cloud platform 1 is a server of a cloud platform or a data center, and can better manage and/or assist through the data transmission capability and data storage capability of the cloud platform or the data center. The merchant terminal 2 and the mobile terminal 3 connected to the medical cloud platform 1.

[0037] The merchant terminal 2 is located in the merchant business premises, and is used when the customer holds the mobile terminal 3 to come to the merchant business premises for consumption, and the merchant terminal 2 scans the payment two-dimensional code on the mobile terminal 3 to complete pay online.

[0038] The merchant terminal 2 may be, but is not limited to, any other suitable cash-collecting device capable of scanning code (for example, a POS machine with a scanner).

[0039] The mobile terminal 3 may be, but not limited to, a smart phone, a tablet computer, a PDA, a personal computer, or the like, any other suitable portable electronic device with a camera.

[0040] Further, a plurality of encryption and decryption algorithms are pre-stored in the medical cloud platform 2, for example, a Data Encryption Standard (DES), a Triple Data Encryption Standard (3DES), Advanced Encryption Standard (AES), RSA Public Key Algorithm, Digital Signature Algorithm (DSA), Elliptic Curve Encoding Algorithm (Elliptic Curves)

Cryptography, ECC), Message Digest Algorithm 5 (MD5), Secure Hash Algorithm (SHA).

[0041] Further, a plurality of encryption and decryption algorithms are pre-stored in the mobile terminal 3, for example, a Data Encryption Standard (DES), a Triple Data Encryption Standard (3DES), Advanced Encryption Standard (AES), RSA Public Key Algorithm, Digital Signature Algorithm (DSA), Elliptic Curve Encoding Algorithm (Elliptic Curves)

[0042] It should be noted that each encryption and decryption algorithm in the mobile terminal 3 can find the same encryption and decryption algorithm in the medical cloud platform 2, and each encryption and decryption algorithm in the medical cloud platform 2 can also Then, the corresponding encryption and decryption algorithm is found in the mobile terminal 3. That is to say, the same encryption and decryption algorithm is pre-stored in the mobile terminal 3 and the medical cloud platform 2.

[0043] Referring to FIG. 2, it is a block diagram of a preferred embodiment of a medical payment system based on short message dynamic encryption according to the present invention. In this embodiment, the medical payment system 10 based on dynamic encryption of short messages is applied to a doctor. Therapeutic cloud platform 1. The medical cloud platform 1 includes, but is not limited to, a medical payment system 10 based on short message dynamic encryption, a storage unit 11, a processing unit 12, and a communication unit 13.

[0044] The storage unit 11 may be a read only storage unit ROM, an electrically erasable storage unit EEPRO

M, flash memory unit FLASH or solid hard disk.

[0045] The processing unit 12 may be a central processing unit (CPU), a microcontroller (MCU), a data processing chip, or an information processing unit having a data processing function.

[0046] The communication unit 13 is a wireless communication interface with remote wireless communication function, for example, supporting G.

Communication interfaces for communication technologies such as SM, GPRS, WCDMA, CDMA, TD-SCDMA, WiMAX, TD-LTE, and FDD-LTE.

The medical payment system 10 based on the dynamic encryption of the short message includes, but is not limited to, the receiving module 111, the parsing module 112, the transferring module 113, and the generating module 114. The module referred to in the present invention refers to a capable device. The processing unit 12 of the medical cloud platform 1 executes and is capable of performing a series of computer program instruction segments of a fixed function, which are stored in the storage unit 11 of the medical cloud platform 1.

The receiving module 111 is configured to receive first specific information and first encryption and decryption algorithm information that are sent by the mobile terminal 3 by using a short message.

[0049] Specifically, the client software installed on the mobile terminal 3 (the medical cloud platform 1 for the client software of the mobile terminal 3) inputs information such as a payment amount, a business name, a medical product name, a quantity, a unit price, and the like. Then, the first specific information is generated in combination with the registered account (ie, the account registered by the patient to register the medical cloud platform 1). That is, the first specific information includes information such as a registered account number (ie, an account registered by the patient to register the medical cloud platform 1), a payment amount, a payment date, a business name, a business address, a name of the medical product, a quantity, and a unit price. It should be noted that the mobile terminal 3 can directly scan (ie, the camera on the mobile terminal 3) the bar code (including the name and price) on the medical product package to input, thereby avoiding the patient's manual input delay efficiency.

[0050] Further, after the first specific information is generated, the mobile terminal 3 randomly calls an encryption and decryption algorithm and encrypts the first specific information. After the encryption is completed, a first encryption and decryption algorithm information is generated. The first encryption and decryption algorithm information may be an encryption and decryption algorithm name (for example, RSA) that encrypts the first specific information. For example, if the algorithm for encrypting and decrypting the first specific information by the mobile terminal 3 is RSA, the first encryption and decryption algorithm information is RSA. [0051] After the mobile terminal 3 encrypts the first specific information, the encrypted first specific information and the first encryption and decryption algorithm information are sent to the medical cloud platform 1 in the form of a short message. It should be noted that, if the short message does not support the encrypted first specific information, the mobile terminal 3 may convert the encrypted first specific information into a binary code, and send the binary code to the medical cloud platform 1 through the short message. The mobile terminal 3 calls the built-in binary code transcoding software (for example, a Unicode transcoder or a binary code transcoder installed on the first data processing device 20, etc.) to convert the encrypted first specific information into a binary code. .

[0052] The parsing module 112 is configured to parse the first specific information according to the first encryption and decryption algorithm information by calling a corresponding encryption and decryption algorithm. Specifically, if the first encryption and decryption algorithm information is RSA, the parsing module 112 calls the RSA algorithm to parse the first specific information. Further, if the first specific information is in a binary form, the parsing module 112 performs a binary conversion first, and then decrypts the converted first specific information.

[0053] The receiving module 111 is configured to receive second specific information and second encryption and decryption algorithm information sent by the merchant terminal 2 by using a short message.

[0054] In other embodiments, the merchant terminal 3 may acquire the first specific information and the first encryption and decryption algorithm information from the mobile terminal 3 by means of Bluetooth or two-dimensional code scanning, and obtain the information from the mobile terminal 3. The first feature information is used as the second feature information and the second encryption and decryption algorithm information. Specifically, the first feature information obtained from the mobile terminal 3 is used as the second feature information, and the first encryption and decryption algorithm information obtained from the mobile terminal 3 is used as the second encryption and decryption algorithm information.

[0055] The parsing module 112 is configured to parse the second specific information by calling a corresponding encryption and decryption algorithm according to the second encryption and decryption algorithm information. Specifically, if the second encryption and decryption algorithm information is RSA, the parsing module 112 calls the RSA algorithm to parse the second specific information. Further, if the second specific information is in a binary form, the parsing module 112 performs a binary conversion first, and then decrypts the converted second specific information.

[0056] The transfer module 113 is configured to transfer, from the bank account of the user using the mobile terminal 3, the corresponding payment amount in the first specific information to the merchant terminal when the first specific information and the second specific information are aligned. 2 accounts, complete payment. Specifically, when the first specific information and the second specific information match, the medical cloud platform 1 accesses the financial system of the bank, and obtains the payment amount from the scan code payment information, from the patient in the medical cloud platform. 1 The bank account number in the bundled account is used to transfer the payment amount in the payment information to the merchant. In the specified bank account number.

[0057] The generating module 114 is configured to generate payment success information and send the information to the merchant terminal 2 and the mobile terminal 3 respectively. In this embodiment, after the payment amount in the scan code payment information is transferred from the bank account bound by the medical cloud platform 1 to the bank account designated by the merchant, in order to ensure that the merchant terminal level 2 mobile terminal 3 and the user view The account receives the payment amount, and the medical cloud platform 1 also generates payment success information and sends the message to the merchant terminal 2 and the mobile terminal 3 by means of a short message.

[0058] With the present invention, online payment can be completed in the event that the network connection of either the merchant terminal 2 and the mobile terminal 3 is interrupted, the payment experience is improved, and the efficiency is improved.

Referring to FIG. 3, it is a flow chart of a preferred embodiment of the medical payment method based on short message dynamic encryption of the present invention. In this embodiment, the medical payment method based on SMS dynamic encryption is applied to the medical cloud platform 1, and the method includes the following steps:

[0060] Step SI 1: The receiving module 111 receives the first specific information and the first encryption and decryption algorithm information that are sent by the mobile terminal 3 through the short message.

Specifically, the client software installed on the mobile terminal 3 (the medical cloud platform 1 for the client software of the mobile terminal 3) inputs information such as a payment amount, a business name, a medical product name, a quantity, a unit price, and the like. Then, the first specific information is generated in combination with the registered account (ie, the account registered by the patient to register the medical cloud platform 1). That is, the first specific information includes information such as a registered account number (ie, an account registered by the patient to register the medical cloud platform 1), a payment amount, a payment date, a business name, a business address, a name of the medical product, a quantity, and a unit price. It should be noted that the mobile terminal 3 can directly scan (ie, the camera on the mobile terminal 3) the bar code (including the name and price) on the medical product package to input, thereby avoiding the patient's manual input delay efficiency.

[0062] Further, after the first specific information is generated, the mobile terminal 3 randomly invokes an encryption and decryption algorithm and encrypts the first specific information. After the encryption is completed, a first encryption and decryption algorithm information is generated. The first encryption/decryption algorithm information may be an encryption/decryption algorithm name (e.g., RSA) that encrypts the first specific information. For example, if the algorithm for encrypting and decrypting the first specific information by the mobile terminal 3 is RSA, the first encryption and decryption algorithm information is RSA.

[0063] After the mobile terminal 3 encrypts the first specific information, the encrypted first specific information and the first encryption and decryption algorithm information are sent to the medical cloud platform 1 in the form of a short message. It should be noted that if the short message is not supported Holding the encrypted first specific information, the mobile terminal 3 may convert the encrypted first specific information into a binary code, and send the binary code to the medical cloud platform 1 through the short message.

[0064] Step S12: The parsing module 112 invokes the corresponding encryption and decryption algorithm to parse the first specific information according to the first encryption and decryption algorithm information. Specifically, if the first encryption and decryption algorithm information is RSA, the parsing module 112 calls the RSA algorithm to parse the first specific information. Further, if the first specific information is in a binary form, the parsing module 112 performs binary conversion first, and then decrypts the converted first specific information.

[0065] Step S13: The receiving module 111 receives the second specific information and the second encryption and decryption algorithm information sent by the merchant terminal 2 through the short message.

[0066] In other embodiments, the merchant terminal 3 may acquire the first specific information and the first encryption and decryption algorithm information from the mobile terminal 3 by means of Bluetooth or two-dimensional code scanning, and obtain the information from the mobile terminal 3. The first feature information is used as the second feature information and the second encryption and decryption algorithm information.

[0067] Step S14: The parsing module 112 invokes the corresponding encryption and decryption algorithm to parse the second specific information according to the second encryption and decryption algorithm information. Specifically, if the second encryption and decryption algorithm information is RSA, the parsing module 112 calls the RSA algorithm to parse the second specific information. Further, if the second specific information is in a binary form, the parsing module 112 performs binary conversion first, and then decrypts the converted second specific information.

[0068] Step S15: When the first specific information and the second specific information match, the transfer module 113 transfers the corresponding payment amount in the first specific information to the merchant from the bank account of the user who uses the mobile terminal 3. The account of terminal 2 completes the payment. Specifically, when the first specific information and the second specific information match, the medical cloud platform 1 accesses the financial system of the bank, and obtains the payment amount from the scan code payment information, from the patient in the medical cloud platform. 1 In the bundled bank account, transfer the payment amount in the scan code payment information to the bank account specified by the merchant.

[0069] Step S16: The generating module 114 generates payment success information and sends the payment success information to the merchant terminal 2 and the mobile terminal 3, respectively. In this embodiment, after the payment amount in the scan code payment information is transferred from the bank account bound by the medical cloud platform 1 to the bank account designated by the merchant, in order to ensure that the merchant terminal level 2 mobile terminal 3 and the user view The account receives the payment amount, and the medical cloud platform 1 also generates payment success information and sends the message to the merchant terminal 2 and the mobile terminal 3 by means of a short message. [0070] With the present invention, online payment can be completed in the event that the network connection of either the merchant terminal 2 and the mobile terminal 3 is interrupted, the payment experience is improved, and the efficiency is improved.

[0071] It should be noted that, in other embodiments, step S13 to step S14 may be performed first, and then step S11 to step S12 are performed. That is, the execution order in steps S11 to S12 can be performed with step S.

The execution sequence of 13 to step S14 is reversed.

[0072] With the invention, the online payment can be completed in the case that the network connection of the merchant terminal 2 and the mobile terminal 3 is interrupted, the payment experience is improved, the payment data is updated, and the patient is informed and informed. Avoiding the patient's anxiety and waiting, and simultaneously encrypting the content of the SMS to improve the information security of the medical data.

The above are only the preferred embodiments of the present invention, and are not intended to limit the scope of the present invention, and the equivalent structure or equivalent process transformations made by the description of the present invention and the contents of the drawings may be directly or indirectly applied to other related The technical field is equally included in the scope of patent protection of the present invention.

Industrial applicability

[0074] The present invention adopts the above technical solution, and brings the technical effects as follows: The medical payment system and method based on SMS dynamic encryption according to the present invention can purchase medical supplies through the network payment, and in the case that the network connection is interrupted It can also realize network payment through SMS confirmation, improve the efficiency of network payment, improve the user experience of network payment, and dynamically encrypt the content of the message, improve the information security of medical data, and avoid leakage incidents.

Claims

Claim

[Claim 1] A medical payment system based on SMS dynamic encryption, running in a medical cloud platform, wherein the medical cloud platform establishes a connection with a merchant terminal and a mobile terminal telecommunication network, the system comprising: a receiving module, The first specific information and the first encryption and decryption algorithm information sent by the mobile terminal by using the short message; the parsing module is configured to: call the corresponding encryption and decryption algorithm to parse the first specific information according to the first encryption and decryption algorithm information; a receiving module, configured to receive second specific information and second encryption and decryption algorithm information sent by the merchant terminal by using a short message; the parsing module is configured to invoke a corresponding encryption and decryption algorithm to the second specific information according to the second encryption and decryption algorithm information And performing a parsing; and a transfer module, configured to: when the first specific information and the second specific information are aligned, transfer the corresponding payment amount in the first specific information from the bank account of the user using the mobile terminal to the account of the merchant terminal , complete the payment.

[Claim 2] The medical payment system based on short message dynamic encryption according to claim 1, wherein

The medical payment data processing system further includes a generating module, configured to generate payment success information and separately send to the merchant terminal and the mobile terminal.

[Claim 3] The medical payment system based on short message dynamic encryption according to claim 1, wherein

The first specific information and the second specific information include a registered account number, a payment amount, a payment date, a business name, a business address, a name of the medical article, a quantity, and a unit price.

[Claim 4] The medical payment system based on short message dynamic encryption according to claim 1, wherein

The mobile terminal randomly invokes a built-in encryption and decryption algorithm to encrypt the first specific information and generate first encryption and decryption algorithm information.

[Claim 5] The medical payment system based on short message dynamic encryption according to claim 1, wherein

The merchant terminal acquires the first specific information and the first encryption and decryption algorithm information from the mobile terminal by using a Bluetooth or two-dimensional code scanning manner, and uses the first feature information obtained from the mobile terminal as the second feature information, and The first encryption and decryption algorithm information obtained from the mobile terminal is used as the second encryption and decryption algorithm information.

[Claim 6] A medical payment method based on dynamic encryption of short messages, which is applied to a medical cloud platform, wherein the medical cloud platform is connected with a merchant terminal and a mobile terminal telecommunication network, the method The method includes the following steps: receiving the first specific information and the first encryption and decryption algorithm information sent by the mobile terminal by using a short message; and calling the corresponding encryption and decryption algorithm to parse the first specific information according to the first encryption and decryption algorithm information; receiving the merchant terminal by using the short message Transmitting the second specific information and the second encryption and decryption algorithm information; invoking the corresponding encryption and decryption algorithm to parse the second specific information according to the second encryption and decryption algorithm information; and when the first specific information and the second specific information are aligned吋, transferring the corresponding payment amount in the first specific information from the bank account of the user who uses the mobile terminal to the account of the merchant terminal, and completing the payment.

[Claim 7] The medical payment method based on short message dynamic encryption according to claim 6, wherein

The medical payment data processing method further includes the following steps: generating payment success information and separately transmitting to the merchant terminal and the mobile terminal.

[Claim 8] The medical payment method based on short message dynamic encryption according to claim 6, wherein

[Claim 9] The method for medical payment based on short message dynamic encryption according to claim 6, wherein

[Claim 10] The medical payment system based on short message dynamic encryption according to claim 6, wherein the merchant terminal acquires the first specific information and the first information from the mobile terminal by means of Bluetooth or two-dimensional code scanning And encrypting the algorithm information, and using the first feature information obtained from the mobile terminal as the second feature information, and using the first encryption and decryption algorithm information obtained from the mobile terminal as the second encryption and decryption algorithm information.