WO2020024714A1

WO2020024714A1 - Medical insurance claim settlement method and device, and electronic apparatus

Info

Publication number: WO2020024714A1
Application number: PCT/CN2019/091626
Authority: WO
Inventors: 邱岳亮; 魏青格乐图; 杨鑫霞; 江璇; 余逢行; 沈伟; 赵智慧; 陈宏敏; 耿浩; 张海宁
Original assignee: 阿里巴巴集团控股有限公司
Priority date: 2018-08-02
Filing date: 2019-06-18
Publication date: 2020-02-06
Also published as: TW202008296A; CN109359963A

Abstract

A medical insurance claim settlement method and device, and an electronic apparatus. The method comprises: receiving a facial image captured and uploaded by a self service terminal (210); performing recognition to identify a medical insurance account of a user corresponding to the facial image (220); and settling medical bills requiring settlement in the medical insurance account (230).

Description

Medical insurance settlement method and device and electronic equipment

Technical field

The embodiments of the present specification relate to the field of Internet technologies, and in particular, to a method and device for medical insurance settlement and electronic equipment.

Background technique

With the popularization of medical insurance, there are more and more employees participating in medical insurance. When you go to the hospital offline, using medical insurance cards to settle medical insurance has become a norm.

Generally, there are many self-service terminals in medical places for users to perform medical insurance settlement. When a user performs medical insurance settlement on a self-service terminal, the normal operation process includes inserting a physical medical insurance card to identify the user's medical insurance account, clicking on the medical bill to be settled, selecting the medical insurance payment, and reconfirming the operation to perform the medical insurance settlement.

It can be seen that when the current medical insurance is settled, the user needs to carry a physical medical insurance card and operate the self-service terminal multiple times.

There is a need to provide a more efficient settlement plan for medical insurance.

Summary of the invention

A method, device and electronic device for medical insurance settlement provided by embodiments of the present specification, and a method and device for acquiring cached pages and electronic device:

According to a first aspect of the embodiments of the present specification, a medical insurance settlement method is provided and applied to a medical insurance platform. The method includes:

Receive face images collected and uploaded by self-service terminals;

Identifying the face image corresponding to the user's medical insurance account;

Settle medical bills to be settled in the medical insurance account.

According to a second aspect of the embodiments of the present specification, a medical insurance settlement method is provided, which is applied to a payment platform. The method includes:

Receive face images collected and uploaded by self-service terminals;

Identifying a payment account corresponding to the face image;

When an electronic medical insurance card is bound to the payment account, a medical insurance platform is called to settle a medical bill to be settled in a medical insurance account corresponding to the electronic medical insurance card.

According to a third aspect of the embodiments of the present specification, a medical insurance settlement device is provided and applied to a medical insurance platform. The device includes:

A receiving unit for receiving a face image collected and uploaded by a self-service terminal;

A recognition unit, which recognizes that the face image corresponds to a user's medical insurance account;

The settlement unit is configured to settle a medical bill to be settled in the medical insurance account.

According to a fourth aspect of the embodiments of the present specification, a medical insurance settlement device is provided, which is applied to a payment platform, and the device includes:

A recognition unit that recognizes a payment account corresponding to the face image;

The settlement unit, when an electronic medical insurance card is bound to the payment account, invokes a medical insurance platform to settle a medical bill to be settled in a medical insurance account corresponding to the electronic medical insurance card.

According to a fifth aspect of the embodiments of the present specification, an electronic device is provided, including:

processor;

Memory for storing processor-executable instructions;

Wherein, the processor is configured as any one of the above-mentioned medical insurance settlement methods applied to a medical insurance platform.

According to a sixth aspect of the embodiments of the present specification, an electronic device is provided, including:

processor;

Memory for storing processor-executable instructions;

Wherein, the processor is configured as any one of the above-mentioned medical insurance settlement methods applied to a payment platform.

The embodiment of the present specification provides a medical insurance settlement scheme, and a user can automatically complete the medical insurance settlement by sweeping his face without having to carry a physical medical insurance card. Throughout the settlement process, users do not need to operate self-service terminals. This solution is fast and convenient, which greatly improves the efficiency of medical insurance settlement and alleviates the problem of slow payment of traditional Chinese medical insurance in hospitals.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic structural diagram of a medical insurance settlement system provided by an embodiment of the present specification; FIG.

2 is a flowchart of a medical insurance settlement method provided by an embodiment of the present specification;

3 is a schematic structural diagram of a medical insurance settlement system provided by an embodiment of the present specification;

4 is a flowchart of a medical insurance settlement method provided by an embodiment of the present specification;

5 is a hardware structural diagram of a medical insurance settlement device provided by an embodiment of the present specification;

6 is a schematic block diagram of a medical insurance settlement device provided by an embodiment of the present specification;

7 is a hardware structural diagram of a medical insurance settlement device provided by an embodiment of the present specification;

FIG. 8 is a schematic block diagram of a medical insurance settlement device provided by an embodiment of the present specification.

detailed description

Exemplary embodiments will be described in detail herein, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with this specification. Rather, they are merely examples of devices and methods consistent with certain aspects of the specification, as detailed in the appended claims.

The terminology used in this specification is for the purpose of describing particular embodiments only and is not intended to limit the specification. As used in this specification and the appended claims, the singular forms "a", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and / or" as used herein refers to and includes any or all possible combinations of one or more of the associated listed items.

It should be understood that although the terms first, second, third, etc. may be used in this specification to describe various information, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of this specification, the first information may also be referred to as the second information, and similarly, the second information may also be referred to as the first information. Depending on the context, the word "if" as used herein can be interpreted as "at" or "when" or "in response to determination".

In order to solve the above problems, this specification provides a medical insurance settlement solution. The following can be introduced with reference to the example shown in FIG. 1, which illustrates an exemplary system architecture concept applicable in this document.

In the system architecture concept diagram, various network nodes can communicate with each other through the network 111, and then complete the interaction and data processing. The system architecture concept diagram may include a self-service terminal 101 and a medical insurance platform 102.

In a medical place, the user can perform medical insurance settlement through the self-service terminal 101, for example, medical expenses can be paid.

The medical insurance platform 102 maintains a medical insurance account of a user. In this example, the medical insurance platform 102 can provide medical insurance settlement capabilities and identity verification capabilities.

The user can quickly complete the medical insurance settlement through the self-service terminal 101 without carrying a physical medical insurance card through a face scanning operation.

Next, referring to FIG. 2, an embodiment of the medical insurance settlement method provided in this specification is described. In this embodiment, the method may be applied to a medical insurance platform, and the method may include the following steps:

Step 210: Receive a face image collected and uploaded by the self-service terminal.

In this embodiment, a self-service terminal may be provided with a collection device that collects a face image, such as a camera, and a face image of the current user may be collected through the camera.

The self-service terminal may also upload the collected face images to the medical insurance platform.

Generally, the self-service terminal can be pre-installed with a face-scanning SDK, and based on the face-scanning SDK, the self-service terminal can collect the user's face image and upload the face image to the medical insurance platform. It should be noted that the medical insurance platform referred to in this specification may specifically refer to the server corresponding to the medical insurance platform, that is, in terms of hardware, this embodiment may be executed by the server where the medical insurance platform is located. The server may refer to a server, a server cluster, or a cloud service constructed by a server cluster.

The face scanning SDK may be provided by a medical insurance platform, or may be provided by a third party recognized by the medical insurance platform.

Step 220: Identify the medical insurance account of the user corresponding to the face image.

The medical insurance platform maintains a user's medical insurance account, and each medical insurance account collects a user's own face image in advance.

In an embodiment, when applying for medical insurance, the user needs to provide his or her real face image; for easy differentiation, the face image may be referred to as a first face image. The face image collected by the self-service terminal in the above step 210 is referred to as a second face image.

When the medical insurance platform receives the second face image uploaded by the self-service terminal, it can perform matching from the image library storing the first face image, and when the first person whose similarity with the second face image reaches a threshold is matched, For the face image, it can be determined that the medical insurance account corresponding to the matched first face image is the medical insurance account corresponding to the user of the second face image.

Step 230: Settle the medical bill to be settled in the medical insurance account.

After the medical insurance account of the current user is determined, the medical bill to be settled in the medical insurance account can be settled.

With this embodiment, the user does not need to carry a physical medical insurance card, and can complete the medical insurance settlement by scanning his face with an autonomous device. Greatly improved the efficiency of medical insurance settlement.

In one embodiment, the medical insurance platform usually needs to return the settlement information to the self-service terminal. The self-service terminal can further display the settlement information. Among them, when the settlement is successful, the self-service terminal can display the settlement details; when the settlement fails, the self-service terminal can guide the user to perform medical insurance settlement by scanning the code, or use a physical medical insurance card to pay.

In practice, because the accuracy of face recognition cannot be 100% correct, and medical insurance settlement involves sensitive information such as user information and funds, in order to improve settlement security, this manual also provides the following solutions:

The self-service terminal also uploads the mobile phone number input by the user;

The step 230 of settling the medical bill to be settled in the medical insurance account specifically includes:

In a case where the mobile phone number bound to the medical insurance account is the mobile phone number uploaded by the self-service terminal, the medical bill to be settled in the medical insurance account is settled.

In this embodiment, a mobile phone number may be bound in advance to each medical insurance account.

After the medical insurance account is identified based on the second face image, it can also be determined whether the mobile phone number bound to the medical insurance account is the same as the mobile phone number uploaded by the autonomous device; and if the mobile phone number uploaded by the autonomous device is consistent, the execution of Medical bills to be settled.

For example, if there are two people with very similar faces, then one of the users can identify the two medical insurance accounts by scanning their faces during the medical insurance settlement. Without further identifying the mobile phone number, the medical insurance platform cannot determine whether the current user is Which user; therefore, after the user also uploads the mobile phone number through the self-service terminal, by querying the mobile phone number bound to the two medical insurance accounts, the only one medical insurance account can be matched.

In an embodiment, the input method of the mobile phone number may include voice input. For some inconvenient users, such as users holding children (especially when the child is asleep), users with both hands holding things are not convenient to operate self-service terminals. With this embodiment, the user may not need to use It can be completed by hand without carrying a mobile phone, medical insurance card, etc., which is convenient and fast, which greatly improves the user experience.

In an embodiment, the method further includes:

Obtaining a hospital corresponding to the self-service terminal;

Obtaining a hospital corresponding to a medical bill to be settled in the medical insurance account;

When the two hospitals agree, medical bills to be settled in the medical insurance account are settled.

In this embodiment, when the user performs medical insurance settlement, the medical insurance platform will only settle medical bills generated by the user's current hospital.

In an embodiment, the method further includes:

Obtaining a creation time corresponding to a medical bill to be settled in the medical insurance account;

The settlement of the medical bill to be settled in the medical insurance account specifically includes:

When the creation time and the current time belong to the same day, the medical bill to be settled in the medical insurance account is settled.

In this embodiment, when the user performs medical insurance settlement, the medical insurance platform will only settle medical bills generated by the user on that day.

In practical applications, when some non-medical insurance items require self-payment, users also need to use bank cards, cash, or payment software to pay. Among them, the bank card needs to be inserted into the card slot of the self-service terminal, cash needs to be inserted into the cash entrance of the self-service terminal, and the payment software needs to scan the payment QR code. In short, the entire operation process is relatively tedious and inefficient.

In order to solve the above problem, in an embodiment, the method further includes:

The non-medical insurance items in the medical bill are transferred to a payment channel for settlement.

In this embodiment, in addition to the medical expenses that can be entered into the medical insurance in the medical bill, there may also be some self-funded items that cannot be entered into the medical insurance. For these self-funded items, the medical insurance platform may transfer to the payment channel for settlement.

In this embodiment, the medical insurance platform may also be connected to the payment platform, and complete the settlement of self-funded items by calling the payment interface of the payment platform. Specifically, the user's medical insurance account may be bound to a payment account in advance. In this way, when the balance of the medical insurance account is insufficient or there are self-funded items, the medical insurance platform may deduct the payment account through the payment account associated with the medical insurance account.

With this embodiment, the adopted hybrid settlement (medical insurance account and payment account) method allows the user to complete the settlement of self-pay and medical insurance with only one face sweep, without the need for multiple operations, further improving settlement efficiency.

This specification also provides another medical insurance settlement solution. The following can be introduced with reference to the example shown in FIG. 3, which illustrates an exemplary system architecture concept applicable in this article.

In the system architecture concept diagram, various network nodes can implement information communication through the network 311, and then complete interaction and data processing. The system architecture concept diagram may include a self-service terminal 301, a payment platform 302, and a medical insurance platform 303.

In a medical place, the user can perform medical insurance settlement through the self-service terminal 301, for example, medical expenses can be paid.

The payment platform 302 may include a bank payment system, a third-party payment platform, and the like. In this example, the payment platform 302 can provide payment capabilities and identity verification capabilities.

The medical insurance platform 303 maintains a user's medical insurance account; externally, it can provide medical insurance settlement capabilities.

Through the self-service terminal 301, the user can quickly complete the medical insurance settlement through the face scanning operation without carrying a physical medical insurance card.

Next, referring to FIG. 4, an embodiment of the medical insurance settlement method provided in this specification is described. In this embodiment, the method may be applied to a payment platform, and the method may include the following steps:

Step 410: Receive a face image collected and uploaded by the self-service terminal.

The self-service terminal may also upload the collected face images to a payment platform.

Generally, a self-service terminal can be pre-installed with a face-scanning SDK. Based on the face-scanning SDK, the self-service terminal can complete the collection of the user's face image and upload the face image to the payment platform. It should be noted that the payment platform involved in this specification may specifically refer to the server corresponding to the payment platform, that is, in terms of hardware, this embodiment may be executed by the server where the payment platform is located. The server may refer to a server, a server cluster, or a cloud service constructed by a server cluster.

The face scanning SDK may be provided by a payment platform, or may be provided by a third party recognized by the payment platform.

Step 420: Identify a payment account corresponding to the face image.

The payment platform maintains a payment account of a user, and each payment account collects a user's own face image in advance.

In one embodiment, when the user starts the face recognition function of the payment account, the user needs to provide his own real face image; in order to facilitate the distinction, the face image may be referred to as a first face image. The face image collected by the self-service terminal in the above step 410 is referred to as a second face image.

When the payment platform receives the second face image uploaded by the self-service terminal, it can perform matching from the image library storing the first face image, and when the first person whose similarity with the second face image reaches a threshold is matched, When the face image is determined, it can be determined that the payment account corresponding to the matched first face image is the payment account corresponding to the user of the second face image.

In one embodiment, the payment platform may be divided into a plurality of modules or sub-platforms with different functions. For example, an identity authentication platform for identity identification (such as ZOLOX Global Trusted Identity Platform); an inquiry platform for inquiring electronic medical insurance cards; and an invoking platform for invoking medical insurance settlement.

. For the same user, users can be represented by a unique authentication identifier such as ftoken between different sub-platforms.

For example, when a self-service device collects a face image, it can be uploaded to ZOLOX; the corresponding user is identified through ZOLOX and the user's ftoken is returned. Then, a query platform is called based on the ftoken, and the query platform can query whether the payment account corresponding to the ftoken is bound with an electronic medical insurance card. Further, in the case where an electronic medical insurance card is bound, the calling platform may call the medical insurance platform for medical insurance settlement based on the electronic medical insurance card.

Step 430: When an electronic medical insurance card is bound to the payment account, call a medical insurance platform to settle a medical bill to be settled in a medical insurance account corresponding to the electronic medical insurance card.

In order to facilitate users' medical treatment, a physical medical insurance card can be bound to a payment account and an electronic medical insurance card can be generated. In an embodiment, the electronic medical insurance card may refer to a unique number of a physical medical insurance card.

After determining the electronic medical insurance card of the current user, the payment platform may call the medical insurance platform to settle the medical bills to be settled in the medical insurance account corresponding to the electronic medical insurance card.

In step 430, when an electronic medical insurance card is bound to the payment account, calling a medical insurance platform to settle a medical bill to be settled in a medical insurance account corresponding to the electronic medical insurance card, specifically including:

When the mobile phone number bound to the payment account is the mobile phone number uploaded by the self-service terminal, and the payment account is bound to an electronic medical insurance card, the medical insurance platform is invoked to settle the unsettled Medical bills are settled.

In this embodiment, each payment account may be bound with a mobile phone number in advance.

After the payment account is identified according to the second face image, it can also be determined whether the mobile phone number bound to the payment account is the same as the mobile phone number uploaded by the autonomous device; if they are consistent, the medical insurance platform can continue to execute The medical bill to be settled in the medical insurance account corresponding to the electronic medical insurance card is settled.

For example, suppose there are two people with very similar faces, then one of the users can identify two payment accounts by scanning their faces during the medical insurance settlement. Without further identifying the mobile phone number, the payment platform cannot determine whether the current user is Which user; therefore, after the user also uploaded the mobile phone number through the self-service terminal, by querying the mobile phone number bound to the two payment accounts, the only one payment account can be matched.

In an embodiment, the method further includes:

Obtaining a hospital corresponding to the self-service terminal;

In an embodiment, the method further includes:

The non-medical insurance items in the medical bill are transferred to the payment account for settlement.

In this embodiment, in addition to the medical expenses that can be entered into the medical insurance in the medical bill, there may also be some self-funded items that cannot be entered into the medical insurance. The cost of self-funded items can be deducted from the user's payment account.

In this embodiment, since the payment platform is connected to the medical insurance platform, the medical insurance platform can complete the settlement of self-funded items by calling the payment interface of the payment platform. Specifically, the user's payment account is pre-bound with an electronic medical insurance card. In this way, when the balance of the medical insurance account is insufficient or there are self-funded items, the medical insurance platform may deduct the payment account through the payment account associated with the electronic medical insurance card corresponding to the medical insurance account.

Corresponding to the foregoing embodiment of the medical insurance settlement method shown in FIG. 2, this specification also provides an embodiment of a medical insurance settlement device. The device embodiments may be implemented by software, or may be implemented by hardware or a combination of software and hardware. Taking software implementation as an example, as a device in a logical sense, it is formed by reading the corresponding computer business program instructions in the non-volatile memory into the memory through the processor of the device in which it is located. In terms of hardware, as shown in FIG. 5, it is a hardware structure diagram of the device where the medical insurance settlement device is located in this specification. In addition to the processor, network interface, memory, and non-volatile memory shown in FIG. 5, implementation is performed. The equipment in the example is usually based on the actual functions of the medical insurance settlement, and may also include other hardware, which will not be described again.

Please refer to FIG. 6, which is a block diagram of a medical insurance settlement device provided by an embodiment of this specification and is applied to a medical insurance platform. The device corresponds to the embodiment shown in FIG.

The receiving unit 610 receives a face image collected and uploaded by the kiosk;

A recognition unit 620, which recognizes that the face image corresponds to a user's medical insurance account;

A settlement unit 630 is configured to settle a medical bill to be settled in the medical insurance account.

In an alternative embodiment:

The self-service machine also uploads the mobile phone number input by the user;

The settlement unit 630 specifically includes:

When the mobile phone number bound to the medical insurance account is the mobile phone number uploaded by the kiosk, settle the medical bill to be settled in the medical insurance account.

In an alternative embodiment:

The input mode of the mobile phone number includes voice input.

In an alternative embodiment:

The device further includes:

A first acquisition subunit, acquiring a hospital corresponding to the self-service machine;

A second acquisition subunit, acquiring a hospital corresponding to a medical bill to be settled in the medical insurance account;

The settlement unit 630 specifically includes:

In an alternative embodiment:

The device further includes:

A third obtaining subunit, obtaining a creation time corresponding to a medical bill to be settled in the medical insurance account;

The settlement unit 630 specifically includes:

In an alternative embodiment:

The device further includes:

The hybrid settlement sub-unit transfers the non-medical insurance items in the medical bill to a payment channel for settlement.

Corresponding to the foregoing embodiment of the medical insurance settlement method shown in FIG. 4, this specification also provides an embodiment of a medical insurance settlement device. The device embodiments may be implemented by software, or may be implemented by hardware or a combination of software and hardware. Taking software implementation as an example, as a device in a logical sense, it is formed by reading the corresponding computer business program instructions in the non-volatile memory into the memory through the processor of the device in which it is located. In terms of hardware, as shown in FIG. 7, it is a hardware structure diagram of the equipment where the medical insurance settlement device is located in this specification. In addition to the processor, network interface, memory, and non-volatile memory shown in FIG. 7, The equipment in the example is usually based on the actual functions of the medical insurance settlement, and may also include other hardware, which will not be described again.

Please refer to FIG. 8, which is a block diagram of a medical insurance settlement device provided by an embodiment of the present specification and is applied to a payment platform. The device corresponds to the embodiment shown in FIG. 4. The device includes:

The receiving unit 810 receives a face image collected and uploaded by the kiosk;

A recognition unit 820, which recognizes a third-party payment account corresponding to the face image;

The settlement unit 830 invokes a medical insurance platform to settle a medical bill to be settled in a medical insurance account corresponding to the electronic medical insurance card when the third-party payment account is bound with an electronic medical insurance card.

In an alternative embodiment:

The settlement unit 830 specifically includes:

When the mobile phone number bound to the third-party payment account is the mobile phone number uploaded by the self-service machine, and the third-party payment account is bound to an electronic medical insurance card, a medical insurance platform is invoked for the medical insurance account corresponding to the electronic medical insurance card The pending medical bill is settled.

In an alternative embodiment:

The input mode of the mobile phone number includes voice input.

In an alternative embodiment:

The device further includes:

A first acquisition subunit, and the medical insurance platform acquires a hospital corresponding to the self-service machine;

A first acquisition subunit, wherein the medical insurance platform acquires a hospital corresponding to a medical bill to be settled in the medical insurance account;

The medical insurance platform settling medical bills to be settled in a medical insurance account corresponding to the electronic medical insurance card specifically includes:

When the two hospitals are consistent, the medical insurance platform performs settlement of medical bills to be settled in the medical insurance account.

In an alternative embodiment:

The device further includes:

The third acquisition subunit, the medical insurance platform acquires the creation time corresponding to the medical bill to be settled in the medical insurance account;

When the creation time and the current time belong to the same day, the medical insurance platform performs settlement on the medical bills to be settled in the medical insurance account.

In an alternative embodiment:

The device further includes:

For the non-medical insurance items in the medical bill, the medical insurance platform transfers the settlement to the third-party payment account.

The system, device, module, or unit described in the foregoing embodiments may be specifically implemented by a computer chip or entity, or a product with a certain function. A typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email sending and receiving device, and a game control Desk, tablet computer, wearable device, or a combination of any of these devices.

For details about the implementation process of the functions and functions of the units in the foregoing device, see the implementation process of the corresponding steps in the foregoing method for details, and details are not described herein again.

As for the device embodiment, since it basically corresponds to the method embodiment, the relevant part may refer to the description of the method embodiment. The device embodiments described above are only schematic, wherein the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, may be located One place, or it can be distributed across multiple network elements. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in this specification. Those of ordinary skill in the art can understand and implement without creative efforts.

The above FIG. 6 describes the internal function modules and structure of the data aggregation device. The substantial execution body may be an electronic device, including:

processor;

Memory for storing processor-executable instructions;

The processor is configured to:

Receive face images collected and uploaded by the kiosk;

Settle medical bills to be settled in the medical insurance account.

Optionally, the self-service machine also uploads a mobile phone number input by a user;

Optionally, the input method of the mobile phone number includes voice input.

Optional, also includes:

Obtaining a hospital corresponding to the self-service machine;

Optional, also includes:

The above Figure 8 describes the internal function modules and structure of the data aggregation device. The substantial execution body may be an electronic device, including:

processor;

Memory for storing processor-executable instructions;

The processor is configured to:

Receive face images collected and uploaded by the kiosk;

Identifying a third-party payment account corresponding to the face image;

When an electronic medical insurance card is bound to the third-party payment account, a medical insurance platform is called to settle a medical bill to be settled in a medical insurance account corresponding to the electronic medical insurance card.

When the third-party payment account is bound with an electronic medical insurance card, calling the medical insurance platform to settle the medical bill to be settled in the medical insurance account corresponding to the electronic medical insurance card specifically includes:

Optionally, the input method of the mobile phone number includes voice input.

Optional, also includes:

Obtaining a hospital corresponding to the self-service machine;

The settlement of the medical bill to be settled in the medical insurance account by the medical insurance platform specifically includes:

When the two hospitals are consistent, the medical insurance platform performs settlement on the medical bills to be settled in the medical insurance account.

Optional, also includes:

The non-medical insurance items in the medical bill are transferred to the third-party payment account for settlement.

In the above embodiment of the electronic device, it should be understood that the processor may be a central processing unit (English: Central Processing Unit, CPU for short), or other general-purpose processors, digital signal processors (English: Digital Signal Processor) , Referred to as DSP), application specific integrated circuit (English: Application Specific Integrated Circuit, referred to as ASIC), etc. A general-purpose processor may be a microprocessor, or the processor may be any conventional processor, and the foregoing memory may be a read-only memory (English: read-only memory (abbreviation: ROM)), a random access memory (English : Random access memory (abbreviation: RAM), flash memory, hard disk or solid state hard disk. The steps of the method disclosed in combination with the embodiments of the present invention may be directly implemented by a hardware processor, or may be performed by a combination of hardware and software modules in the processor.

Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the embodiment of the electronic device, since it is basically similar to the method embodiment, the description is relatively simple, and for the relevant parts, refer to the description of the method embodiment.

Those skilled in the art will readily contemplate other embodiments of the present specification after considering the specification and practicing the invention disclosed herein. This description is intended to cover any variations, uses, or adaptations of this specification. These modifications, uses, or adaptations follow the general principles of this specification and include the common general knowledge or conventional technical means in the technical field not disclosed in this specification. . It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the specification being indicated by the following claims.

It should be understood that this description is not limited to the precise structure that has been described above and illustrated in the accompanying drawings, and that various modifications and changes can be made without departing from the scope thereof. The scope of this description is limited only by the following claims.

Claims

A medical insurance settlement method applied to a medical insurance platform, the method includes:

Receive face images collected and uploaded by self-service terminals;

Identifying the face image corresponding to the user's medical insurance account;

Settle medical bills to be settled in the medical insurance account.
The method according to claim 1, wherein the self-service terminal further uploads a mobile phone number input by a user;

The settlement of the medical bill to be settled in the medical insurance account specifically includes:

In a case where the mobile phone number bound to the medical insurance account is the mobile phone number uploaded by the self-service terminal, the medical bill to be settled in the medical insurance account is settled.
The method according to claim 2, wherein the input mode of the mobile phone number includes voice input.
The method according to claim 1, further comprising:

Obtaining a hospital corresponding to the self-service terminal;

Obtaining a hospital corresponding to a medical bill to be settled in the medical insurance account;

The settlement of the medical bill to be settled in the medical insurance account specifically includes:

When the two hospitals agree, medical bills to be settled in the medical insurance account are settled.
The method according to claim 1, further comprising:

Obtaining a creation time corresponding to a medical bill to be settled in the medical insurance account;

The settlement of the medical bill to be settled in the medical insurance account specifically includes:

When the creation time and the current time belong to the same day, the medical bill to be settled in the medical insurance account is settled.
The method according to claim 1, further comprising:

The non-medical insurance items in the medical bill are transferred to a payment channel for settlement.
A medical insurance settlement method applied to a payment platform, the method includes:

Receive face images collected and uploaded by self-service terminals;

Identifying a payment account corresponding to the face image;

When an electronic medical insurance card is bound to the payment account, a medical insurance platform is called to settle a medical bill to be settled in a medical insurance account corresponding to the electronic medical insurance card.
The method according to claim 7, wherein the self-service terminal further uploads a mobile phone number input by a user;

When the electronic medical insurance card is bound to the payment account, calling the medical insurance platform to settle the medical bill to be settled in the medical insurance account corresponding to the electronic medical insurance card specifically includes:

When the mobile phone number bound to the payment account is the mobile phone number uploaded by the self-service terminal, and the payment account is bound to an electronic medical insurance card, the medical insurance platform is invoked to settle the pending payment in the medical insurance account corresponding to the electronic medical insurance card. Medical bills are settled.
The method according to claim 8, wherein the input mode of the mobile phone number includes voice input.
The method according to claim 7, further comprising:

Obtaining a hospital corresponding to the self-service terminal;

Obtaining a hospital corresponding to a medical bill to be settled in the medical insurance account;

The settlement of the medical bill to be settled in the medical insurance account specifically includes:

When the two hospitals agree, medical bills to be settled in the medical insurance account are settled.
The method according to claim 7, further comprising:

Obtaining a creation time corresponding to a medical bill to be settled in the medical insurance account;

The settlement of the medical bill to be settled in the medical insurance account specifically includes:

When the creation time and the current time belong to the same day, the medical bill to be settled in the medical insurance account is settled.
The method according to claim 7, further comprising:

The non-medical insurance items in the medical bill are transferred to the payment account for settlement.
A medical insurance settlement device applied to a medical insurance platform, the device includes:

A receiving unit for receiving a face image collected and uploaded by a self-service terminal;

A recognition unit, which recognizes that the face image corresponds to a user's medical insurance account;

The settlement unit is configured to settle a medical bill to be settled in the medical insurance account.
A medical insurance settlement device applied to a payment platform, the device includes:

A receiving unit for receiving a face image collected and uploaded by a self-service terminal;

A recognition unit that recognizes a payment account corresponding to the face image;

The settlement unit, when an electronic medical insurance card is bound to the payment account, invokes a medical insurance platform to settle a medical bill to be settled in a medical insurance account corresponding to the electronic medical insurance card.
An electronic device includes:

processor;

Memory for storing processor-executable instructions;

Wherein, the processor is configured as the method according to any one of claims 1-6.
An electronic device includes:

processor;

Memory for storing processor-executable instructions;

Wherein, the processor is configured as the method according to any one of claims 7-12.