WO2021098378A1

WO2021098378A1 - Payment method, device and system

Info

Publication number: WO2021098378A1
Application number: PCT/CN2020/117912
Authority: WO
Inventors: 耿浩; 余逢行; 魏青格乐图; 马鹏飞; 张宇; 梅哲; 沈伟
Original assignee: 支付宝(杭州)信息技术有限公司
Priority date: 2019-11-22
Filing date: 2020-09-25
Publication date: 2021-05-27
Also published as: CN110889693B; CN110889693A; CN113643025B; CN113643025A

Abstract

A payment method, device and system. The method comprises: receiving a medical insurance treatment request from a target user, the target user being a user who applies for a medical insurance virtual card in advance (S202); obtaining a payment code allocated to the target user for medical insurance treatment (S204), the payment code corresponding to the medical insurance virtual card; transmitting the payment code to a medical institution terminal, so that the medical institution terminal sends the payment code to a medical insurance management system to perform identity authentication of the target user (S206); and receiving payment information returned by the medical insurance management system, the payment information being generated, after the identity authentication is passed, on the basis of a medical treatment settlement list of the target user sent by the medical institution terminal (S208).

Description

Payment method, device and system

Technical field

This document relates to the field of Internet technology, in particular to a payment method, device and system.

Background technique

At present, with the continuous improvement of the social insurance system, in order to provide the insured with a basic medical protection to ensure that the insured enjoys basic medical services and effectively enjoys the insurance money provided by the state, medical insurance has become an enterprise employee One of the basic payment insurances is a social security system that provides medical services or economic compensation. The medical insurance management system distributes physical medical insurance cards to the insured persons, and the insured persons need to use their real-name physical medical insurance cards to purchase medicines and settle medical expenses, so as to provide effective protection for the medical expenses of the insured persons during the period of diagnosis and treatment. , So as to reduce the financial pressure on the insured person due to the medical expenses paid for receiving the diagnosis and treatment.

However, currently the two main methods of reimbursement for medical expenses based on medical insurance are: one is to speed up the payment of medical expenses for the insured during the period of medical treatment, and the method of reimbursement of medical insurance after the fact is adopted, that is, the method of reimbursement by medical insurance during the period of diagnosis and treatment The individual pays all medical expenses, and then relies on the physical medical insurance card as well as the receipt, prescription, diagnosis certificate, and drug treatment statement issued by the hospital or pharmacy to go to the designated place for medical insurance expense reimbursement.

The other is, in order to reduce the pressure of the insured to pay for medical expenses during the period of diagnosis and treatment, the real-time medical insurance reimbursement method is adopted, that is, during the period of diagnosis and treatment, the medical institution (such as a hospital or pharmacy) uses a card swipe The insured person’s information and consumption information are sent to the medical insurance management system. The medical insurance management system determines the amount of medical insurance reimbursement based on the acquired information and informs the medical institution. The medical institution subtracts the amount of medical insurance reimbursement from the total amount. The amount that an individual needs to pay when medical expenses are settled. Therefore, regardless of whether it is to use post-event medical insurance reimbursement or real-time medical insurance reimbursement, it is necessary to rely on physical medical insurance cards to pay medical insurance expenses, and physical medical insurance cards are inconvenient to carry and easy to lose.

It can be seen from this that there is a need to provide a more simplified, convenient, fast, and reliable payment method.

Summary of the invention

The purpose of one or more embodiments of this specification is to provide a payment method. The payment method includes: receiving a medical insurance request from a target user; wherein, the target user is a user who applies for a medical insurance virtual card in advance. Obtain the payment code allocated to the target user for medical insurance treatment; where the payment code corresponds to the medical insurance virtual card. The payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user. Receive payment information returned by the medical insurance management system; where the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

The purpose of one or more embodiments of this specification is to provide a payment device. The payment device includes: a request acquisition module, which receives a medical insurance medical treatment request of a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance. The payment code acquisition module acquires the payment code allocated to the target user for medical insurance treatment; where the payment code corresponds to the medical insurance virtual card. The payment code sending module transmits the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user. The payment information receiving module receives the payment information returned by the medical insurance management system; the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

The purpose of one or more embodiments of this specification is to provide a payment system. The payment system includes: a back-end server, a client, a medical institution, and a medical insurance management system; the back-end server obtains a medical insurance request from a target user from the client; and obtains medical insurance allocated to the target user A payment code for medical treatment, and transmit the payment code to the medical institution terminal; wherein, the target user is a user who applies for a medical insurance virtual card in advance, and the payment code corresponds to the medical insurance virtual card; The medical institution terminal sends the payment code to the medical insurance management system; the medical insurance management system authenticates the target user based on the payment code; the medical institution terminal determines the target After the user’s identity authentication is passed, the medical insurance management system sends the medical insurance settlement list of the target user; the medical insurance management system generates the payment information of the target user according to the medical insurance management system, and sends the payment to the medical insurance management system. The information is sent to the background server.

The purpose of one or more embodiments of this specification is to provide a payment device including: a processor; and a memory arranged to store computer-executable instructions.

When the computer-executable instructions are executed, the processor receives a medical insurance request from a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance. Obtain the payment code allocated to the target user for medical insurance treatment; where the payment code corresponds to the medical insurance virtual card. The payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user. Receive payment information returned by the medical insurance management system; where the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

The purpose of one or more embodiments of this specification is to provide a storage medium for storing computer-executable instructions. When the executable instruction is executed by the processor, it receives a medical insurance request for medical treatment from a target user; wherein, the target user is a user who has applied for a medical insurance virtual card in advance. Obtain the payment code allocated to the target user for medical insurance treatment; where the payment code corresponds to the medical insurance virtual card. The payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user. Receive payment information returned by the medical insurance management system; where the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

Description of the drawings

In order to more clearly explain one or more embodiments of this specification or the technical solutions in the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, in the following description The drawings are only some of the embodiments described in one or more of this specification. For those of ordinary skill in the art, other drawings can be obtained from these drawings without creative work.

Figure 1 is a schematic diagram of an application scenario of a payment system provided by one or more embodiments of this specification;

2 is a schematic diagram of the first flow of the payment method provided by one or more embodiments of this specification;

FIG. 3 is a first schematic diagram of multi-terminal information interaction in the payment method provided by one or more embodiments of this specification;

FIG. 4a is a schematic diagram of the second flow of the payment method provided in one or more embodiments of this specification;

Figure 4b is a schematic diagram of the third process of the payment method provided in one or more embodiments of this specification;

FIG. 5 is a schematic diagram of the fourth flow of the payment method provided by one or more embodiments of this specification;

FIG. 6 is a schematic diagram of the fifth flow of the payment method provided by one or more embodiments of this specification;

FIG. 7 is a schematic diagram of the sixth flow of the payment method provided by one or more embodiments of this specification;

FIG. 8 is a second schematic diagram of multi-terminal information interaction in the payment method provided by one or more embodiments of this specification;

FIG. 9 is a schematic diagram of the module composition of the payment device provided by one or more embodiments of this specification;

10 is a schematic diagram of the structural composition of the payment system provided by one or more embodiments of this specification;

FIG. 11 is a schematic structural diagram of a payment device provided by one or more embodiments of this specification.

Detailed ways

In order to enable those skilled in the art to better understand one or more technical solutions in this specification, the following will combine the drawings in one or more embodiments of this specification to compare the technical solutions in one or more embodiments of this specification. For a clear and complete description, it is obvious that the described embodiments are only a part of one or more embodiments in this specification, rather than all the embodiments. Based on one or more of the embodiments in this specification, all other embodiments obtained by a person of ordinary skill in the art without creative work shall fall within the protection scope of this document.

One or more embodiments of this specification provide a payment method, device and system. When medical expenses are paid based on medical insurance, there is no need to carry a physical medical insurance card, and it can be completed directly through the automatically assigned payment code for medical insurance. The payment of medical expenses based on medical insurance achieves the purpose of automatically paying the insured person’s medical expenses in proportion from the medical insurance pooling fund, realizing more convenient, fast and reliable medical expenses payment based on medical insurance, ensuring real-time and efficient participation The insurer provides effective protection for medical expenses during the period of diagnosis and treatment.

Figure 1 is a schematic diagram of the application scenario of the payment system provided by one or more embodiments of this specification. As shown in Figure 1, the system includes: a back-end server, a client, a medical institution terminal, and a medical insurance management system, where the client It can be a mobile terminal such as a smart phone or a tablet computer. The client can also be a terminal device such as a personal computer. The back-end server can be a server used to interact with medical institution terminals and medical insurance management systems to provide medical insurance payment services for the client The back-end server can be an independent server or a server cluster composed of multiple servers. The medical institution can be a designated medical insurance service server such as hospitals and pharmacies. The medical insurance management system can include the National Medical Insurance Bureau and the national Ministry of Social Affairs, Local Medical Insurance Bureau, Local Ministry of Human Resources and Social Security, etc.

Specifically, for the medical insurance payment process, the background server obtains the medical insurance medical treatment request of the target user from the client; and, obtains the payment code allocated to the target user for medical insurance medical treatment, and transmits the payment code to the medical institution terminal ; Among them, the target user is a user who applies for a medical insurance virtual card in advance, and the payment code corresponds to the medical insurance virtual card.

The medical institution terminal sends the obtained payment code to the medical insurance management system.

The medical insurance management system performs identity authentication on the target user based on the received payment code, and returns the identity authentication result to the back-end server and medical institution terminal.

After determining that the target user's identity authentication is passed, the medical institution terminal sends the target user's medical settlement list to the medical insurance management system.

The medical insurance management system generates the payment information of the target user according to the received medical settlement list, and sends the payment information to the background server.

Fig. 2 is a schematic diagram of the first flow of the payment method provided in one or more embodiments of this specification. The method in Fig. 2 can be executed by the backend server in Fig. 1, as shown in Fig. 2, the method includes at least the following steps.

S202: Receive a medical insurance medical treatment request for a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance.

Among them, the above-mentioned medical insurance medical treatment request refers to that the target user triggers generation when the medical insurance medical treatment request needs to use medical insurance, and the medical insurance medical treatment request carries the identification information of the target user. Specifically, it may be that the client detects that the user is targeting online on the target application. When the medical insurance medical service is triggered, the medical insurance medical treatment request is generated and sent to the back-end server; it can also be that the client detects that the user is on the H5 page of a medical institution terminal of the target application for online medical insurance When the diagnosis and treatment service is triggered, a medical insurance medical treatment request is generated and the medical insurance medical treatment request is sent to the corresponding medical institution terminal, and the medical institution terminal sends the medical insurance medical treatment request to the background server.

S204: Obtain a payment code allocated to the target user for medical insurance treatment; where the payment code corresponds to the medical insurance virtual card of the target user.

Specifically, after obtaining the medical insurance medical treatment request, the target user needs to be assigned a corresponding medical insurance payment code, so that the target user can be authenticated based on the medical insurance payment code, and the medical insurance payment can be completed after the identity authentication of the target user is determined.

S206: Transmit the obtained payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to perform identity authentication of the target user.

Specifically, after obtaining the payment code, the back-end server needs to transmit the payment code to the corresponding medical institution terminal. Among them, considering that there are not only scenarios where the client pays for offline medical insurance, the payment code can be a graphic code, for example, a QR code. Correspondingly, the backend server first sends the payment code to the client, and the client displays the payment code. Then the medical institution terminal obtains the payment code by scanning the code; there may also be a scenario of online medical insurance payment on the client side. The payment code may also be an online code in the form of a string, for example, a token, which corresponds to a back-end server. Send the payment code directly to the medical institution terminal. After obtaining the payment code of the target user, the medical institution terminal sends the payment code to the medical insurance management system to enable the medical insurance management system to authenticate the target user, that is, to identify whether the user can use medical insurance for medical treatment based on the payment code.

S208: Receive payment information returned by the medical insurance management system; where the payment information is generated by the medical insurance management system based on the target user's medical settlement list sent by the medical institution terminal after determining that the target user's identity authentication is passed.

Specifically, after receiving the payment code, the medical insurance management system authenticates the target user based on the payment code, and generates an identity authentication result; sends the identity authentication result to the back-end server and the corresponding medical institution terminal, so that the back-end server The identity authentication result is synchronously displayed on the client; wherein, if the background server triggers the client to synchronously display the identity authentication result and fails, the client is cyclically triggered to synchronously display the identity authentication result.

The medical institution terminal determines whether the target user is an insured user based on the identity authentication result. After confirming that the identity authentication is passed, it sends the medical insurance management system of the target user's medical treatment settlement list; the medical treatment settlement checklist includes: the target user's social insurance information, medical insurance At least one of payment code and medical consumption details. Among them, the medical institution terminal determines that the target user is an insured user and can enjoy medical insurance medical services after determining the target user’s identity authentication, and summarizes the list of pre-services such as medical insurance registration, medical insurance visits, and medical insurance pre-settlement, and generates Corresponding medical settlement checklist;

The medical insurance management system generates the medical insurance payment information of the target user based on the received medical treatment settlement list; in specific implementation, if the medical insurance settlement list includes the medical insurance payment code, the social insurance information of the target user and the medical treatment consumption details, the medical insurance management system is receiving After the medical settlement checklist, it can also be judged whether there is a successful authentication result of the target user's identity authentication based on the medical insurance payment code, and whether the medical insurance payment code in the medical settlement checklist corresponds to the social security information of the target user, if the result is judged If both are yes, the medical insurance payment information of the target user is generated according to the medical settlement checklist.

The medical insurance management system sends the generated medical insurance payment information to the background server and the corresponding medical institution terminal, so that the background server synchronously displays the medical insurance payment information on the client; where, if the background server triggers the client to fail to display the medical insurance payment information synchronously, Then, the client terminal is triggered to display the medical insurance payment information synchronously.

And, the medical insurance management system triggers a deduction in the target payment account based on the medical insurance payment information. Among them, the medical insurance payment information includes at least one of user identification, order number, payment time, medical insurance payment fee, and personal self-expense. Among them, the medical insurance payment fee can include the cost paid from the national medical insurance pooling account, and the payment from the personal medical insurance account. Correspondingly, the target payment account includes at least one of the national medical insurance overall account, personal medical insurance account, and personal savings account.

In one or more embodiments of this specification, after obtaining the medical insurance medical treatment request of the target user who applied for the medical insurance virtual card in advance, the payment code assigned to the target user is obtained; and the payment code is transmitted to the medical institution terminal, so that The medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user; and the medical institution terminal sends the medical insurance settlement list of the target user who has passed the identity authentication to the medical insurance management system, so that the medical insurance management system generates the corresponding payment information, The background server receives the payment information returned by the medical insurance management system. In this way, when paying medical expenses based on medical insurance, there is no need to carry a physical medical insurance card, and the payment code for medical insurance can be directly allocated through the automatically assigned payment code for medical insurance to complete medical expenses based on medical insurance, so as to automatically participate in the medical insurance overall fund. The purpose of the insurer to bear the medical expenses in proportion, to realize more convenient, fast and reliable medical expenses payment based on medical insurance, to ensure real-time and efficient medical expenses during the period of diagnosis and treatment for the insured to provide effective protection.

In the specific implementation, as shown in Figure 3, the first schematic diagram of multi-terminal information interaction in the payment method is given, which specifically includes the following steps.

S301: The background server receives a medical insurance request for a target user.

S302: After obtaining the medical insurance medical treatment request, the back-end server obtains the payment code allocated to the target user for medical insurance medical treatment.

S303: The background server transmits the obtained payment code to the medical institution terminal; where the target user is a user who has applied for a medical insurance virtual card in advance, and the payment code corresponds to the medical insurance virtual card.

S304: The medical institution terminal sends the obtained payment code to the medical insurance management system.

S305: The medical insurance management system performs identity authentication on the target user based on the received payment code, and generates a corresponding identity authentication result.

S306: The medical insurance management system sends the identity authentication result of the target user to the background server.

S307: The background server synchronizes the identity authentication result of the target user to the client.

S308: The medical insurance management system sends the identity authentication result of the target user to the medical institution terminal.

S309: After determining that the target user's identity authentication is passed, the medical institution terminal sends the target user's medical settlement list to the medical insurance management system.

S310: The medical insurance management system generates payment information of the target user according to the received medical settlement list.

S311: The medical insurance management system sends the payment information of the target user to the background server.

S312: The background server synchronizes the payment information of the target user to the client.

Among them, for the process of triggering the medical insurance management system to perform user identity authentication based on the payment code information, considering that there may be application scenarios for offline medical insurance payment on the client side, there may also be application scenarios for online medical insurance payment on the client side, specifically:

(1) In the case of offline medical insurance payment by the client, the payment code can be sent to the client, the payment code can be displayed on the client, and the medical institution terminal can scan the code to obtain the corresponding payment code information. Correspondingly, the above payment code can be Including: graphic code information; where the graphic code information can be a one-dimensional code, a two-dimensional code, etc.; correspondingly, as shown in FIG. Including: S2041, obtaining graphic code information allocated to the target user for medical insurance treatment.

Correspondingly, in the above S206, the obtained payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system for identity authentication of the target user, which specifically includes: S2061, the obtained graphic The code information is sent to the client terminal of the target user, so that the medical institution terminal obtains the graphic code information from the client terminal and sends the graphic code information to the medical insurance management system for identity authentication of the target user.

Specifically, after the client receives the graphic code information sent by the background server, the corresponding graphic code is displayed on the client, and the medical institution terminal scans the graphic code to obtain the corresponding graphic code information, and then the graphic code information Send to the medical insurance management system.

After receiving the graphic code information sent by the medical institution terminal, the medical insurance management system performs identity authentication on the target user based on the graphic code information, and generates a corresponding identity authentication result.

(2) In the case of online medical insurance payment on the client side, the payment code can be directly sent to the medical institution terminal. Correspondingly, the above payment code can include: online code information; where the online code information can be online vouchers such as tokens;

Correspondingly, as shown in Fig. 4b, the above S204, obtaining the payment code allocated for the target user for medical insurance treatment, specifically includes: S2042, obtaining the online code information allocated for the target user for medical insurance treatment; correspondingly, the above S206: Transmit the obtained payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system for identity authentication of the target user, which specifically includes: S2062: Send the obtained online code information to The medical institution terminal, so that the medical institution terminal sends the online code information to the medical insurance management system to authenticate the target user.

Specifically, after receiving the online code information of the target user sent by the background server, the medical institution terminal sends the online code information to the medical insurance management system.

Further, in order to improve the control of medical insurance payment and improve the efficiency of medical insurance payment, the insured user needs to open the medical insurance payment business in advance and allocate a unique medical insurance virtual card to the insured user, so that the user can be determined first during the medical insurance payment process Whether there is a medical insurance virtual card, it only triggers the medical insurance management system to authenticate the user who applied for the medical insurance virtual card in advance. Based on this, as shown in Figure 5, in S202, before receiving the medical insurance request for the target user, it also includes the following .

S210: Receive a request for activation of the medical insurance payment service of the client; where the activation request carries identification information of the target user.

S212: Send the real-name authentication information of the target user to the medical insurance management system, so that the medical insurance management system performs insurance enrollment verification based on the real-name authentication information and generates a medical insurance virtual card of the target user; wherein the medical insurance virtual card may be a medical insurance electronic certificate.

S214: Receive the medical insurance virtual card of the target user returned by the medical insurance management system.

Specifically, after the client detects the user's touch operation on the medical insurance payment activation control, it sends a medical insurance payment service activation request to the back-end server; after receiving the activation request, the back-end server obtains the real-name authentication information of the target user, and The real-name authentication information is sent to the medical insurance management system.

The medical insurance management system determines whether the target user is an insured user based on the received real-name authentication information, and if so, allocates a corresponding medical insurance virtual card to the target user; and sends the medical insurance virtual card to the background server.

The back-end server receives and stores the medical insurance virtual card of each target user, so that the back-end server can first identify whether there is a medical insurance virtual card of the target user after obtaining the medical insurance payment request of the target user. If it exists, execute S204 to obtain If the step of the payment code for medical insurance treatment assigned by the target user does not exist, the medical insurance treatment request will be directly intercepted.

Further, in order to improve the universality of the medical insurance payment process, the above payment code can be generated through multiple channels, that is, the generation process of the payment code for the target user can be generated by the medical insurance management system or the back-end server. As follows: (1) In view of the situation where the payment code is generated by the medical insurance management system, based on this, the above S204 obtains the payment code allocated to the target user for medical insurance treatment, which specifically includes: sending the target user’s medical insurance virtual to the medical insurance management system Card, so that the medical insurance management system returns the payment code corresponding to the medical insurance virtual card; the received payment code is determined as the payment code for medical insurance treatment. Among them, in the process of information interaction interface access between the medical insurance management system, the medical institution terminal and the back-end server, the encoding rules of the payment code connected to the medical insurance management system enable the back-end server to identify the payment code of the external medical insurance management system Therefore, the above payment code is not limited to local generation, but can also be generated by the medical insurance management system.

Specifically, the medical insurance management system can pre-generate the payment code of each target user, and store the social insurance information of the target user, the correspondence between the medical insurance virtual card and the payment code; in this way, after receiving the medical insurance virtual card sent by the back-end server , Select a payment code from the corresponding at least one payment code, and return the selected payment code to the back-end server; the back-end server records the identification information of the target user, the correspondence between the medical insurance virtual card and the payment code.

The medical insurance management system can also dynamically generate the corresponding payment code in real time after receiving the medical insurance virtual card sent by the background server, and return the payment code to the background server; and store the social insurance information, medical insurance virtual card and payment code of the target user The corresponding relationship between the two, so that the target user can be subsequently authenticated based on the corresponding relationship.

(2) For the situation where the payment code is generated by the backend server, based on this, the above S204 obtains the payment code assigned to the target user for medical insurance treatment, which specifically includes: generating the payment code corresponding to the medical insurance virtual card corresponding to the target user ; Determine the generated payment code as the payment code for medical insurance.

Specifically, after receiving the medical insurance request of the target user, the background server automatically generates the corresponding payment code, and stores the identification information of the target user, the corresponding relationship between the medical insurance virtual card and the payment code; and automatically the corresponding relationship It is transmitted to the medical insurance management system, or after receiving the corresponding relationship acquisition request of the medical insurance management system, the corresponding relationship is transmitted to the medical insurance management system, so that the medical insurance management system can authenticate the target user based on the corresponding relationship.

It should be noted that, in specific implementation, preferably, the above payment code may be a dynamic payment code with a certain timeliness, that is, the payment code assigned to the target user is dynamically changed each time. Therefore, the medical insurance management system is based on medical care. When the payment code sent by the structure terminal and the above-mentioned corresponding relationship are used to authenticate the target user, the accuracy of the identity authentication can be improved, and the phenomenon of fraudulent insurance by stealing the invalid payment code can be quickly identified.

Further, in order to improve the security of medical insurance payment, a process of risk identification of the target user is introduced. Based on this, as shown in Figure 6, the above S204 obtains the payment code assigned to the target user for medical insurance treatment, which specifically includes the following .

S2043: Send a risk identification request for the target user to the preset risk control system, so that the preset risk control system can identify the target user's risk level based on the target user's historical transaction data.

S2044: Receive the risk identification result of the target user returned by the preset risk control system.

S2045: According to the risk identification result of the target user, it is determined whether to obtain a payment code allocated to the target user for medical insurance treatment.

Specifically, after receiving the medical insurance medical treatment request, the background server first triggers the preset risk control system to identify the target user's risk, and then determines whether to trigger the subsequent medical insurance payment process according to the risk identification result. That is to identify whether the target user is a risk user, and trigger the execution of the corresponding request interception or real-name identity verification processing for the risk user, and further improve the security of medical insurance payment.

Specifically, the above S2045, according to the risk identification result of the target user, determines whether to obtain the payment code assigned to the target user for medical insurance and medical treatment, which specifically includes: if the risk identification result indicates that the target user is a normal user, obtain the allocation for the target user The payment code used for medical insurance. Among them, for the situation where the target user is identified as a normal user at risk, the execution of the normal medical insurance payment process is triggered.

If the risk identification result indicates that the target user is a risk user, a real-name authentication request is sent to the target user's client; based on the real-name authentication information of the target user returned by the client, the target user's identity is verified; if the identity verification result is that the real-name authentication passed , Then obtain the payment code assigned to the target user for medical insurance treatment.

Specifically, when it is determined that the target user is suspicious, the target user is authenticated by real name to identify whether it is the target user's own operation. Only after the real name verification is passed, the execution of the normal medical insurance payment process will be triggered; otherwise, the medical insurance will be consulted. The request is intercepted.

Further, in order to further improve the security of medical insurance payment, the process of verifying the password of the medical insurance account can also be introduced. Based on this, the above-mentioned S204 obtains the payment code assigned to the target user for medical insurance treatment, which specifically includes: to the target user’s customer The terminal sends a medical insurance account password input request, and receives the medical insurance account password information returned by the client; sends the above medical insurance account password information to the medical insurance management system, so that the medical insurance management system performs account password verification based on the medical insurance account password information; if the account password If the verification result is that the verification is passed, the payment code allocated to the target user for medical insurance treatment is obtained.

Specifically, after receiving the medical insurance request for medical treatment, the background server prompts the user to enter the medical insurance account password, and sends the medical insurance account password entered by the user to the medical insurance management system to trigger the medical insurance management system to verify whether the medical insurance account password entered by the user is correct. If the password of the medical insurance account is incorrect, the corresponding request interception or real-name identity verification processing will be triggered to further improve the security of medical insurance payment.

Further, in order to reduce the difficulty of accessing the medical insurance payment business and improve the efficiency of business access, the multi-terminal information interaction interface of the medical insurance payment business is independent of the information interaction interface of the normal payment business, and the acquisition of medical insurance medical requests for target users is also taken into consideration. During the process, there may be an application scenario for offline medical insurance payment on the client side, or an application scenario for online medical insurance payment on the client side, which will be described in detail below.

The above S202, receiving the medical insurance medical treatment request for the target user, specifically includes: (1) For the client's offline medical insurance payment situation, receiving the medical insurance medical insurance request of the client through the medical insurance payment service interface; wherein the medical insurance payment service interface is independent of normal Payment service interface.

Specifically, when a user applies for online medical insurance payment in an offline hospital or pharmacy, the client terminal generates a medical insurance medical care request and sends the medical insurance medical care request to the background server when it detects that the user triggers an operation on the target application for the offline medical insurance medical care service. ; The background server receives the medical insurance request for medical treatment through the medical insurance payment service interface.

(2) For the client's online medical insurance payment situation, the medical insurance payment service interface receives the medical insurance medical treatment request sent by the medical institution terminal; wherein the medical insurance medical treatment request is sent by the client to the medical institution terminal.

Specifically, when a user applies for online medical insurance payment through the web page of an online hospital or pharmacy, the client terminal generates when it detects that the user triggers an operation on the online medical insurance diagnosis and treatment service on the H5 page of a medical institution terminal of the target application The medical insurance treatment request and the medical insurance treatment request are sent to the corresponding medical institution terminal, and the medical institution terminal sends the medical insurance treatment request to the background server; the background server receives the medical insurance treatment request through the medical insurance payment service interface.

In the specific implementation, in the process of information interaction interface access between the medical insurance management system, the medical institution terminal and the back-end server, it is considered that since the payment and settlement process is completed by the medical insurance management system, the back-end server does not require payment, billing, or verification. Therefore, the medical insurance payment link and the normal payment link are connected separately, so that the medical institution terminal and the medical insurance management system do not need to set all the interfaces required for payment, such as the acquiring interface, the refund interface, The reconciliation interface, etc., the medical institution terminal and the medical insurance management system only need to set the basic information interaction interface, such as the code request interface, the data result return interface, etc., eliminating the need for the acquiring interface, the refund interface, and the reconciliation interface. Access reduces the difficulty of accessing medical insurance payment services and improves the efficiency of service access.

Specifically, the graphic code used for medical insurance treatment can also be distinguished from the payment code used for normal payment. For example, the graphic code displayed to the user can be added with a medical insurance payment logo, or a different graphic code pattern can be used to show the graphic code to the user. In this way, users can distinguish whether they are currently using a graphic code for medical insurance and medical treatment, or a payment code for normal payment, thereby improving user experience.

In addition, for the process of the medical institution accessing the medical insurance payment scenario, the medical insurance management system triggers the back-end server to create tenant information for the medical institution, and the back-end server returns the tenant information of the medical institution to the medical insurance management system.

Further, in order to further improve the user experience and ensure the maximization of user rights and interests, the payment information is also used as the basis of the rights and interests exchange information of the target user. Based on this, after receiving the payment information returned by the medical insurance management system in S208, It includes: updating the preset payment statistical information of the target user according to the received payment information; and determining the rights and interests exchange information of the target user based on the updated preset payment statistical information.

Specifically, the payment information of the target user and the normal payment information can be aggregated and counted to obtain the user payment details. The normal payment information refers to the user's daily transaction information. Therefore, the user payment details include: normal payment details and medical insurance payment details. The medical insurance payment bills are displayed and connected with the daily payment bills to ensure the continuity and comprehensiveness of user payment details. And, when determining the user's rights and interests redemption information, the normal payment information and payment information are also considered to accumulate user payment points to ensure the maximization of user rights and interests.

Further, in order to improve the accuracy of user identity authentication, when the medical insurance management system authenticates the target user, it not only refers to the payment code, but also refers to the user identification information. Based on this, as shown in Figure 7, the above S206 will obtain The payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system for identity authentication of the target user, which specifically includes the following.

S2063: Transmit the obtained payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system.

S2064: Receive a user identification acquisition request sent by the medical insurance management system.

S2065: Send the identification information of the target user to the medical insurance management system, so that the medical insurance management system performs identity authentication on the target user based on the payment code and identification information of the target user.

Specifically, after receiving the payment code of the target user, the medical insurance management system requests the back-end server to obtain the identification information of the target user and obtain the social security information of the target user, and then compare the target user's identification information, payment code, and social security information to the backend server. The target user is authenticated.

Specifically, based on the pre-stored information mapping relationship, it is determined whether the target user’s identification information, payment code, and social security information match. If they match, it is determined that the user’s identity authentication is passed; where the information mapping relationship is generating a payment code for the target user Correspondence stored at the time.

In a specific embodiment, take the client's offline medical insurance treatment and the payment code generated by the medical insurance management system as an example. The medical insurance management system may include: a local medical insurance server and a national medical insurance server, as shown in FIG. 8 The second schematic diagram of multi-terminal information interaction in payment methods includes the following.

S801: The client sends the medical insurance treatment request of the target user to the background server; specifically, when the user applies for online medical insurance payment in an offline hospital or pharmacy, the client detects that the user triggers an operation for the offline medical insurance service on the target application , Generate medical insurance medical treatment request and send the medical insurance medical treatment request to the background server.

S802: After receiving the medical insurance request for medical treatment, the background server obtains the medical insurance virtual card corresponding to the target user.

S803: The background server sends the medical insurance virtual card of the target user to the national medical insurance server.

S804: After receiving the medical insurance virtual card of the target user, the national medical insurance server obtains graphic code information corresponding to the medical insurance virtual card.

S805: The national medical insurance server sends the graphic code information allocated to the target user to the background server.

S806: After receiving the graphic code information of the target user, the background server triggers the client to display the graphic code information.

S807: The medical institution terminal scans the graphic code displayed on the client to obtain graphic code information.

S808: The medical institution terminal sends the graphic code information allocated to the target user to the corresponding local medical insurance service terminal.

S809, the local medical insurance server obtains the social insurance information of the target user from the national medical insurance server; specifically, the local medical insurance server sends the received graphic code information to the national medical insurance server, so that the national medical insurance server returns the graphic code information Corresponding social security information.

S810: The local medical insurance server obtains the identification information of the target user from the background server; specifically, the local medical insurance server sends the received graphic code information to the background server, so that the background server returns user identification information corresponding to the graphic code information

S811: The local medical insurance server performs identity authentication on the target user based on the target user's identification information, graphic code information, and social security information.

S812: The local medical insurance server sends the identity authentication result of the target user to the background server, so that the background server triggers the client to synchronously display the identity authentication result.

S813: The local medical insurance service terminal sends the identity authentication result to the medical institution terminal, so that the medical institution terminal determines whether the user has medical insurance qualifications.

S814: After determining that the target user's identity authentication is passed and the user's medical treatment is completed, the medical institution terminal sends the target user's medical settlement list to the local medical insurance service terminal.

S815: The local medical insurance server generates payment information for the target user according to the received medical settlement list.

S816: The local medical insurance server sends the payment information of the target user to the back-end server, so that the back-end server triggers the client to synchronously display the payment information.

The payment method in one or more embodiments of this specification receives a medical insurance request from a target user; wherein, the target user is a user who applies for a medical insurance virtual card in advance. Obtain the payment code allocated to the target user for medical insurance treatment; where the payment code corresponds to the medical insurance virtual card. The payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user. Receive payment information returned by the medical insurance management system; where the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed. In this way, when paying medical expenses based on medical insurance, there is no need to carry a physical medical insurance card, and the payment code for medical insurance can be directly allocated through the automatically assigned payment code for medical insurance to complete medical expenses based on medical insurance, so as to automatically participate in the medical insurance overall fund. The purpose of the insurer to bear the medical expenses in proportion, to realize more convenient, fast and reliable medical expenses payment based on medical insurance, to ensure real-time and efficient medical expenses during the period of diagnosis and treatment for the insured to provide effective protection.

Corresponding to the payment methods described in Figures 2 to 8 above, based on the same technical concept, one or more embodiments of this specification also provide a payment method for the offline purchase of drugs, medical treatment and other medical insurance services for target users. The method includes: receiving a medical insurance medical treatment request from a client for a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance; wherein the medical insurance medical treatment request refers to a request generated by the target user when the target user has a medical insurance demand. The medical insurance medical treatment request carries the identification information of the target user. Specifically, when the client detects that the user triggers an operation on the target application for the offline medical insurance medical service, it generates the medical insurance medical treatment request and sends the medical insurance medical treatment request to the background Server; Obtain the payment code allocated to the target user for medical insurance treatment; Among them, the payment code corresponds to the medical insurance virtual card; Transmit the above payment code to the client, so that the medical institution terminal will obtain the payment from the client The code is sent to the medical insurance management system to authenticate the target user; specifically, for the target user’s offline drug purchase, medical treatment and other medical insurance service scenarios, the payment code can be a graphic code, for example, a QR code, which corresponds to a backend The server first sends the payment code to the client, the client displays the payment code, and then the medical institution terminal obtains the payment code by scanning the code; receives the payment information returned by the medical insurance management system; where the payment information is after the identity authentication is passed Generated based on the medical settlement list of the target user sent by the medical institution terminal.

In the payment method in one or more embodiments of this specification, when paying medical expenses based on medical insurance, there is no need to carry a physical medical insurance card, and the medical expenses based on medical insurance can be completed directly through the automatically assigned payment code for medical insurance. Payment, to achieve the purpose of automatically assuming the medical expenses for the insured person from the medical insurance pooling fund in proportion, realize more convenient, fast and reliable medical insurance payment based on medical insurance, and ensure real-time and efficient medical treatment for the insured person during the period of diagnosis and treatment. Provide effective protection for medical expenses.

It should be noted that, in this specification, for the target user's offline drug purchase, medical treatment and other medical insurance services, the corresponding payment method embodiment is based on the same inventive concept as the above payment method embodiment in this specification, so this embodiment For the specific implementation, please refer to the implementation of the corresponding payment method mentioned above, and the repetition will not be repeated here.

Corresponding to the payment methods described in Figures 2 to 8 above, based on the same technical concept, one or more embodiments of this specification also provide a payment method for the target user's online drug purchase, medical treatment and other medical insurance services. The method includes: receiving a medical insurance medical treatment request for a target user from a medical institution terminal; wherein the target user is a user who has applied for a medical insurance virtual card in advance; wherein the medical insurance medical treatment request is triggered by the target user when the target user has a medical insurance demand for medical treatment. The medical insurance medical treatment request carries the identification information of the target user. Specifically, it can be generated when the client detects that the user triggers an operation on the online medical insurance diagnosis and treatment service on the H5 page of a medical institution terminal of the target application. Request and send the medical insurance medical treatment request to the corresponding medical institution terminal, and then the medical institution terminal sends the medical insurance medical treatment request to the back-end server; obtain the payment code assigned to the target user for medical insurance medical treatment; where the payment code is the same as Corresponding to the medical insurance virtual card; send the above payment code to the medical institution terminal so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user; specifically, for the target user’s online drug purchase, For medical insurance service scenarios such as medical treatment, the payment code can also be an online code in the form of a string, for example, a token, which corresponds to it, or the back-end server directly sends the payment code to the medical institution terminal; receives the payment returned by the medical insurance management system Information; where the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

It should be noted that, in this specification, for the target user's online drug purchase, medical treatment and other medical insurance services, the corresponding payment method embodiment is based on the same inventive concept as the above-mentioned payment method embodiment in this specification, so this embodiment For the specific implementation, please refer to the implementation of the corresponding payment method mentioned above, and the repetition will not be repeated here.

Corresponding to the payment methods described in Figures 2 to 8 above, based on the same technical concept, one or more embodiments of this specification also provide a payment device. Figure 9 is a diagram of the payment device provided by one or more embodiments of this specification. A schematic diagram of the module composition. The device is used to implement the payment methods described in Figures 2 to 8. As shown in Figure 9, the device includes the following modules.

The request obtaining module 901 receives a medical insurance request from a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance.

A payment code acquisition module 902, which acquires a payment code allocated to the target user for medical insurance treatment; wherein, the payment code corresponds to the medical insurance virtual card.

The payment code sending module 903 transmits the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user.

The payment information receiving module 904 receives the payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

Optionally, if the payment code includes: graphic code information; the payment code sending module 903 sends the graphic code information to the client terminal of the target user, so that the medical institution terminal receives the information from the client terminal. The obtained graphic code information is sent to the medical insurance management system to perform identity authentication on the target user.

Optionally, if the payment code includes: online code information; the payment code sending module 903 sends the online code information to the medical institution terminal, so that the medical institution terminal sends the online code information The medical insurance management system performs identity authentication on the target user.

Optionally, the above-mentioned payment device further includes: a medical insurance voucher receiving module, which receives a client's medical insurance payment service activation request; wherein, the activation request carries the identification information of the target user; and sends the target user's information to the medical insurance management system. Real-name authentication information, so that the medical insurance management system performs insurance participation verification based on the real-name authentication information and generates the medical insurance-type virtual card of the target user; receiving the medical insurance-type virtual card of the target user returned by the medical insurance management system Virtual card.

Optionally, the payment code acquisition module 902 sends the medical insurance virtual card of the target user to the medical insurance management system, so that the medical insurance management system returns a payment code corresponding to the medical insurance virtual card; The received payment code is determined as a payment code for medical insurance and medical treatment.

Optionally, the payment code acquisition module 902 generates a payment code corresponding to the medical insurance virtual card corresponding to the target user; and determines the generated payment code as a payment code for medical insurance treatment.

Optionally, the payment code acquisition module 902 sends a risk identification request for the target user to a preset risk control system, so that the preset risk control system can perform a check on the company based on the target user’s historical transaction data. The target user recognizes the degree of risk; receives the risk identification result of the target user returned by the preset risk control system; according to the risk identification result, determines whether to obtain the payment for medical insurance and medical care allocated to the target user code.

Optionally, the payment code obtaining module 902, if the risk identification result indicates that the target user is a normal user, obtain the payment code allocated to the target user for medical insurance treatment.

Optionally, the payment code acquisition module 902, if the risk identification result indicates that the target user is a risk user, sends a real-name authentication request to the client of the target user; based on the client's return The real-name authentication information of the target user is used to verify the identity of the target user; if the identity verification result is that the real-name authentication is passed, the payment code for medical insurance and medical treatment allocated to the target user is obtained.

Optionally, the payment code acquisition module 902 sends a medical insurance account password input request to the client of the target user, and receives the medical insurance account password information returned by the client; and sends the medical insurance account password information to A medical insurance management system, so that the medical insurance management system performs account password verification based on the medical insurance account password information; if the account password verification result is that the verification is passed, obtain the payment code allocated to the target user for medical insurance treatment.

Optionally, the request acquisition module 901 receives a medical insurance request from the client through the medical insurance payment service interface; wherein the medical insurance payment service interface is independent of the normal payment service interface; or, it receives medical care through the medical insurance payment service interface. A medical insurance medical treatment request sent by an institution terminal; wherein the medical insurance medical treatment request is sent by the client to the medical institution terminal.

Optionally, the aforementioned payment device further includes: an equity information determining module, which updates the preset payment statistical information of the target user according to the payment information;

Based on the updated preset payment statistical information, the rights exchange information of the target user is determined.

Optionally, the payment code sending module 903 transmits the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system; receives the user identification sent by the medical insurance management system Obtaining request; sending the identification information of the target user to the medical insurance management system, so that the medical insurance management system performs identity authentication on the target user based on the payment code and the identification information.

The payment device in one or more embodiments of this specification receives a medical insurance medical care request from a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance. Obtain the payment code allocated to the target user for medical insurance treatment; where the payment code corresponds to the medical insurance virtual card. The payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user. Receive payment information returned by the medical insurance management system; where the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed. In this way, when paying medical expenses based on medical insurance, there is no need to carry a physical medical insurance card, and the payment code for medical insurance can be directly allocated through the automatically assigned payment code for medical insurance to complete medical expenses based on medical insurance, so as to automatically participate in the medical insurance overall fund. The purpose of the insurer to bear the medical expenses in proportion, to realize more convenient, fast and reliable medical expenses payment based on medical insurance, to ensure real-time and efficient medical expenses during the period of diagnosis and treatment for the insured to provide effective protection.

It should be noted that the embodiment of the payment device in this specification and the embodiment of the payment method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding payment method mentioned above, and there is no repetition. Go into details again.

Corresponding to the payment methods described in Figs. 2 to 8 above, based on the same technical concept, one or more embodiments of this specification also provide a payment device, which is aimed at the target user’s offline drug purchase, medical care and other medical insurance services. The device includes the following modules.

The request obtaining module receives the medical insurance medical treatment request of the client for the target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance.

A payment code acquisition module, which acquires a payment code allocated to the target user for medical insurance treatment; wherein, the payment code corresponds to the medical insurance virtual card.

The payment code sending module transmits the payment code to the client, so that the medical institution terminal sends the payment code obtained from the client to the medical insurance management system to perform identity authentication of the target user.

A payment information receiving module, which receives payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

The payment device in one or more embodiments of this specification does not need to carry a physical medical insurance card when paying medical expenses based on medical insurance, and can directly complete medical expenses based on medical insurance through the automatically assigned payment code for medical insurance. Payment, to achieve the purpose of automatically assuming the medical expenses for the insured person from the medical insurance pooling fund in proportion, realize more convenient, fast and reliable medical insurance payment based on medical insurance, and ensure real-time and efficient medical treatment for the insured person during the period of diagnosis and treatment. Provide effective protection for medical expenses.

It should be noted that, in this specification, for the target user's offline drug purchase, medical treatment and other medical insurance services, the corresponding payment device embodiment is based on the same inventive concept as the above-mentioned payment method embodiment in this specification, so this embodiment For the specific implementation, please refer to the implementation of the corresponding payment method mentioned above, and the repetition will not be repeated here.

Corresponding to the payment methods described in Figures 2 to 8 above, based on the same technical concept, one or more embodiments of this specification also provide a payment device. For the target user's online drug purchase, medical treatment and other medical insurance services, the The device includes the following modules.

The request acquisition module receives a medical insurance request for a target user from a medical institution terminal; wherein the target user is a user who has applied for a medical insurance virtual card in advance.

A payment code sending module, which sends the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user.

It should be noted that, in this specification, for the target user's online drug purchase, medical treatment and other medical insurance services, the corresponding payment device embodiment is based on the same inventive concept as the above-mentioned payment method embodiment in this specification, so this embodiment For the specific implementation, please refer to the implementation of the corresponding payment method mentioned above, and the repetition will not be repeated here.

Corresponding to the payment methods described in Figures 2 to 8 above, based on the same technical concept, one or more embodiments of this specification also provide a payment system. Figure 10 is a diagram of the payment system provided by one or more embodiments of this specification. A schematic diagram of module composition. The system is used to implement the payment methods described in Figures 2 to 8. As shown in Figure 10, the system includes: a background server, a client, a medical institution, and a medical insurance management system.

The aforementioned background server obtains the medical insurance medical treatment request of the target user from the client terminal; and obtains the payment code for medical insurance medical treatment allocated to the target user, and transmits the payment code to the medical institution terminal; wherein the target user is a pre-application For users of medical insurance virtual cards, the payment code corresponds to the medical insurance virtual card.

The aforementioned medical institution terminal sends the obtained payment code to the medical insurance management system.

The aforementioned medical insurance management system performs identity authentication on the target user based on the received payment code.

The aforementioned medical institution terminal sends the target user's medical settlement list to the medical insurance management system after determining that the target user's identity authentication is passed.

The above-mentioned medical insurance management system generates payment information of the target user based on the received medical settlement list, and sends the payment information to the background server.

It should be noted that, for the information interaction process between the back-end server, client, medical institution, and medical insurance management system, please refer to the above payment method, which will not be repeated here.

In the payment system in one or more embodiments of this specification, after the background server obtains the medical insurance medical treatment request of the target user who has applied for the medical insurance virtual card in advance, it obtains the payment code assigned to the target user; and transmits the payment code to the medical insurance Institutional terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user; and the medical institution terminal sends to the medical insurance management system the medical settlement list of the target user who has passed the identity authentication, so that the medical insurance management system generates Corresponding to the payment information, the background server receives the payment information returned by the medical insurance management system. In this way, when paying medical expenses based on medical insurance, there is no need to carry a physical medical insurance card, and the payment code for medical insurance can be directly allocated through the automatically assigned payment code for medical insurance to complete medical expenses based on medical insurance, so as to automatically participate in the medical insurance overall fund. The purpose of the insurer to bear the medical expenses in proportion, to realize more convenient, fast and reliable medical expenses payment based on medical insurance, to ensure real-time and efficient medical expenses during the period of diagnosis and treatment for the insured to provide effective protection.

It should be noted that the embodiment of the payment system in this specification and the embodiment of the payment method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding payment method mentioned above, and there is no repetition. Go into details again.

Further, corresponding to the methods shown in FIGS. 2 to 8 above, based on the same technical concept, one or more embodiments of this specification also provide a payment device, which is used to execute the above payment method, as shown in FIG. 11 Shown.

The payment device may have relatively large differences due to different configurations or performances, and may include one or more processors 1101 and a memory 1102, and the memory 1102 may store one or more storage applications or data. Among them, the memory 1102 may be short-term storage or persistent storage. The application program stored in the memory 1102 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions for the payment device. Furthermore, the processor 1101 may be configured to communicate with the memory 1102, and execute a series of computer-executable instructions in the memory 1102 on the payment device. The payment device may also include one or more power supplies 1103, one or more wired or wireless network interfaces 1104, one or more input and output interfaces 1105, one or more keyboards 1106, and so on.

In a specific embodiment, the payment device includes a memory and one or more programs, wherein one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each The module may include a series of computer-executable instructions for the payment device, and the one or more programs configured to be executed by one or more processors include computer-executable instructions for performing the following computer-executable instructions: receiving a medical insurance request from a target user Wherein, the target user is a user who has applied for a medical insurance virtual card in advance; acquiring a payment code allocated to the target user for medical insurance treatment; wherein, the payment code corresponds to the medical insurance virtual card;

Transmit the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system for identity authentication of the target user; receives payment information returned by the medical insurance management system; wherein, The payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.

Optionally, when the computer executable instruction is executed, if the payment code includes: graphic code information;

The transmitting the payment code to the medical institution terminal so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user includes: sending the graphic code information to the medical institution terminal The client terminal of the target user enables the medical institution terminal to obtain the graphic code information from the client terminal and send the graphic code information to the medical insurance management system to perform identity authentication on the target user.

Optionally, when the computer-executable instructions are executed, if the payment code includes online code information; the transmission of the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code To the medical insurance management system to perform identity authentication on the target user includes: sending the online code information to a medical institution terminal, so that the medical institution terminal sends the online code information to the medical insurance management system for the target user Perform identity authentication.

Optionally, when the computer-executable instructions are executed, before receiving the medical insurance medical treatment request of the target user, they further include: receiving a medical insurance payment service activation request of the client; wherein the activation request carries identification information of the target user; Send the real-name authentication information of the target user to the medical insurance management system, so that the medical insurance management system performs insurance participation verification based on the real-name authentication information and generates a medical insurance virtual card of the target user; receiving the medical insurance management system to return The medical insurance virtual card of the target user.

Optionally, when the computer-executable instructions are executed, the acquiring the payment code allocated to the target user for medical insurance treatment includes: sending the medical insurance virtual card of the target user to the medical insurance management system, So that the medical insurance management system returns the payment code corresponding to the medical insurance virtual card; the received payment code is determined as the payment code for medical insurance treatment.

Optionally, when the computer-executable instructions are executed, the obtaining the payment code allocated to the target user for medical insurance treatment includes: generating a payment code corresponding to the medical insurance virtual card corresponding to the target user; The generated payment code is determined as a payment code for medical insurance and medical treatment.

Optionally, when the computer-executable instructions are executed, the obtaining the payment code allocated to the target user for medical insurance treatment includes: sending a risk identification request for the target user to a preset risk control system, So that the preset risk control system can identify the risk level of the target user based on the historical transaction data of the target user; receive the risk identification result of the target user returned by the preset risk control system; According to the risk identification result, it is determined whether to obtain the payment code allocated to the target user for medical insurance treatment.

Optionally, when the computer-executable instructions are executed, the determining whether to obtain the payment code for medical insurance and medical treatment allocated to the target user according to the risk identification result includes: if the risk identification result represents the If the target user is a normal user, the payment code allocated for the target user for medical insurance treatment is obtained.

Optionally, when the computer-executable instructions are executed, the determining whether to obtain the payment code for medical insurance and medical treatment allocated to the target user according to the risk identification result includes: if the risk identification result represents the If the target user is a risk user, a real-name authentication request is sent to the client of the target user; based on the real-name authentication information of the target user returned by the client, the identity verification of the target user is performed; if the identity verification results If the real-name authentication is passed, the payment code allocated to the target user for medical insurance treatment is obtained.

Optionally, when the computer-executable instructions are executed, the obtaining the payment code allocated to the target user for medical insurance treatment includes: sending a medical insurance account password input request to the client of the target user, and receiving The medical insurance account password information returned by the client; sending the medical insurance account password information to the medical insurance management system so that the medical insurance management system performs account password verification based on the medical insurance account password information; if the account password verification result is verification If passed, the payment code allocated to the target user for medical insurance treatment is obtained.

Optionally, when the computer-executable instructions are executed, the receiving the medical insurance request of the target user includes: receiving the medical insurance request of the client through the medical insurance payment service interface; wherein the medical insurance payment service interface is independent of the normal payment service Interface; or through the medical insurance payment service interface to receive a medical insurance medical treatment request sent by a medical institution terminal; wherein the medical insurance medical treatment request is sent by the client to the medical institution terminal.

Optionally, when the computer executable instruction is executed, after receiving the payment information returned by the medical insurance management system, it further includes: updating the preset payment statistics information of the target user according to the payment information;

Optionally, when the computer-executable instructions are executed, the payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to identify the target user The authentication includes: transmitting the payment code to a medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system; receiving a user identification acquisition request sent by the medical insurance management system; The identification information is sent to the medical insurance management system, so that the medical insurance management system performs identity authentication on the target user based on the payment code and the identification information.

The payment device in one or more embodiments of this specification receives a medical insurance medical care request from a target user; wherein the target user is a user who applies for a medical insurance virtual card in advance. Obtain the payment code allocated to the target user for medical insurance treatment; where the payment code corresponds to the medical insurance virtual card. The payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user. Receive payment information returned by the medical insurance management system; where the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed. In this way, when paying medical expenses based on medical insurance, there is no need to carry a physical medical insurance card, and the payment code for medical insurance can be directly allocated through the automatically assigned payment code for medical insurance to complete medical expenses based on medical insurance, so as to automatically participate in the medical insurance overall fund. The purpose of the insurer to bear the medical expenses in proportion, to realize more convenient, fast and reliable medical expenses payment based on medical insurance, to ensure real-time and efficient medical expenses during the period of diagnosis and treatment for the insured to provide effective protection.

It should be noted that the embodiment of the payment device in this specification and the embodiment of the payment method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the corresponding payment method mentioned above, and there is no repetition. Go into details again.

Further, corresponding to the methods shown in FIGS. 2 to 8 above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium for storing computer-executable instructions, a specific implementation In an example, the storage medium may be a U disk, an optical disk, a hard disk, etc., when the computer executable instructions stored in the storage medium are executed by the processor, the following process can be realized: receiving a medical insurance request from a target user; wherein, the target The user is a user who applies for a medical insurance virtual card in advance; obtains the payment code allocated to the target user for medical insurance treatment; wherein the payment code corresponds to the medical insurance virtual card; and transmits the payment code to The medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system for identity authentication of the target user; receives the payment information returned by the medical insurance management system; wherein the payment information is in the identity After the authentication is passed, it is generated based on the medical treatment settlement list of the target user sent by the medical institution terminal.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, if the payment code includes: graphic code information; the payment code is transmitted to the medical institution terminal, so that the medical institution The terminal sending the payment code to the medical insurance management system to authenticate the target user includes: sending the graphic code information to the client terminal of the target user, so that the medical institution terminal obtains the information from the client terminal The graphic code information and the graphic code information are sent to the medical insurance management system for identity authentication of the target user.

Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, if the payment code includes: online code information; the payment code is transmitted to the medical institution terminal, so that the medical institution The terminal sending the payment code to the medical insurance management system to authenticate the target user includes: sending the online code information to the medical institution terminal, so that the medical institution terminal sends the online code information to the medical insurance The management system performs identity authentication on the target user.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, before receiving the medical insurance medical treatment request of the target user, the method further includes: receiving a medical insurance payment service activation request of the client; wherein, the activation request carries There is identification information of the target user; sending the real-name authentication information of the target user to the medical insurance management system, so that the medical insurance management system performs insurance participation verification based on the real-name authentication information and generates a medical insurance virtual card of the target user; Receiving the medical insurance virtual card of the target user returned by the medical insurance management system.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the obtaining the payment code allocated to the target user for medical insurance treatment includes: sending the target user's information to the medical insurance management system The medical insurance type virtual card, so that the medical insurance management system returns a payment code corresponding to the medical insurance type virtual card; and the received payment code is determined as a payment code for medical insurance treatment.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the obtaining the payment code allocated for the target user for medical insurance treatment includes: generating a medical insurance category corresponding to the target user The payment code corresponding to the virtual card; the generated payment code is determined as the payment code for medical insurance.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the obtaining the payment code allocated to the target user for medical insurance treatment includes: sending to a preset risk control system The risk identification request of the target user, so that the preset risk control system can identify the risk level of the target user based on the historical transaction data of the target user; receive the target user's information returned by the preset risk control system Risk identification result; according to the risk identification result, it is determined whether to obtain the payment code allocated for the target user for medical insurance treatment.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the determining whether to obtain the payment code for medical insurance and medical treatment allocated to the target user according to the risk identification result includes: If the risk identification result indicates that the target user is a normal user, a payment code for medical insurance and medical treatment allocated to the target user is obtained.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the determining whether to obtain the payment code for medical insurance and medical treatment allocated to the target user according to the risk identification result includes: If the risk identification result indicates that the target user is a risk user, a real-name authentication request is sent to the client of the target user; based on the real-name authentication information of the target user returned by the client, the target user is Identity verification; if the result of the identity verification is that the real-name authentication is passed, the payment code allocated for the target user for medical insurance treatment is obtained.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the obtaining the payment code allocated to the target user for medical insurance treatment includes: sending the medical insurance to the client of the target user Account password input request, and receive the medical insurance account password information returned by the client; send the medical insurance account password information to the medical insurance management system, so that the medical insurance management system performs account password verification based on the medical insurance account password information; If the account password verification result is that the verification is passed, the payment code allocated to the target user for medical insurance treatment is obtained.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the receiving the medical insurance medical care request of the target user includes: receiving the medical insurance medical care request of the client through the medical insurance payment service interface; wherein, the medical insurance payment The service interface is independent of the normal payment service interface; or, through the medical insurance payment service interface, the medical insurance treatment request sent by the medical institution terminal is received; wherein the medical insurance treatment request is sent by the client to the medical institution terminal.

Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, after receiving the payment information returned by the medical insurance management system, the method further includes: updating the preset of the target user according to the payment information Payment statistical information; based on the updated preset payment statistical information, determine the rights exchange information of the target user.

Optionally, when the computer executable instructions stored in the storage medium are executed by the processor, the payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system Performing identity authentication on the target user includes: transmitting the payment code to a medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system; receiving a user identification acquisition request sent by the medical insurance management system ; Send the identification information of the target user to the medical insurance management system, so that the medical insurance management system performs identity authentication on the target user based on the payment code and the identification information.

The computer-executable instructions stored in the storage medium in one or more embodiments of this specification, when executed by the processor, receive the medical insurance medical treatment request of the target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance. Obtain the payment code allocated to the target user for medical insurance treatment; where the payment code corresponds to the medical insurance virtual card. The payment code is transmitted to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user. Receive payment information returned by the medical insurance management system; where the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed. In this way, when paying medical expenses based on medical insurance, there is no need to carry a physical medical insurance card, and the payment code for medical insurance can be directly allocated through the automatically assigned payment code for medical insurance to complete medical expenses based on medical insurance, so as to automatically participate in the medical insurance overall fund. The purpose of the insurer to bear the medical expenses in proportion, to realize more convenient, fast and reliable medical expenses payment based on medical insurance, to ensure real-time and efficient medical expenses during the period of diagnosis and treatment for the insured to provide effective protection.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding payment method mentioned above, and there is no repetition. Repeat it again.

The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims may be performed in a different order than in the embodiments and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or sequential order shown in order to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the 1990s, the improvement of a technology can be clearly distinguished between hardware improvements (for example, improvements in circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements in method flow). However, with the development of technology, the improvement of many methods and processes of today can be regarded as a direct improvement of the hardware circuit structure. Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by the hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user's programming of the device. It is programmed by the designer to "integrate" a digital system on a PLD, without requiring the chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly realized with "logic compiler" software, which is similar to the software compiler used in program development and writing, but before compilation The original code must also be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one type of HDL, but many types, such as ABEL (Advanced Boolean Expression Language) , AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HD Cal, JHDL (Java Hardware Description Language), Lava, Lola, My HDL, PALASM, RHDL (Ruby Hardware Description), etc., currently the most Commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be clear to those skilled in the art that only a little logic programming of the method flow in the above-mentioned hardware description languages and programming into an integrated circuit can easily obtain the hardware circuit that implements the logic method flow.

The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the memory control logic. Those skilled in the art also know that, in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded logic. The same function can be realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.

The systems, devices, modules, or units explained in the above embodiments may be implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.

For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when one or more of this specification is implemented, the functions of each unit can be implemented in the same one or more software and/or hardware.

Those skilled in the art should understand that one or more of the embodiments in this specification can be provided as a method, a system, or a computer program product. Therefore, one or more of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, one or more of this specification can adopt computer program products implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes. form.

One or more of this specification is described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to one or more embodiments of this specification. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing equipment to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing equipment are generated It is a device that realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device. The device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment. The instructions provide steps for implementing the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

In a typical configuration, the computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include non-permanent memory in a computer readable medium, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.

Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or they also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.

One or more of this specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more of this specification can also be practiced in a distributed computing environment. In these distributed computing environments, tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiment.

The above descriptions are only one or more embodiments of this specification, and are not used to limit one or more of this specification. For those skilled in the art, one or more of this specification can have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within one or more of the spirit and principles of this specification shall be included in the scope of one or more of the claims of this specification.

Claims

A payment method including:

Receiving a medical insurance medical treatment request from a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance;

Acquiring a payment code allocated to the target user for medical insurance treatment; wherein the payment code corresponds to the medical insurance virtual card;

Transmitting the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user;

Receiving payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.
The method according to claim 1, wherein if the payment code includes: graphic code information;

The transmitting the payment code to a medical institution terminal so that the medical institution terminal sends the payment code to a medical insurance management system to perform identity authentication on the target user includes:

Send the graphic code information to the client of the target user, so that the medical institution terminal obtains the graphic code information from the client and sends the graphic code information to the medical insurance management system for the target The user is authenticated.
The method according to claim 1, wherein if the payment code includes: online code information;

The transmitting the payment code to a medical institution terminal so that the medical institution terminal sends the payment code to a medical insurance management system to perform identity authentication on the target user includes:

The online code information is sent to a medical institution terminal, so that the medical institution terminal sends the online code information to a medical insurance management system to perform identity authentication of the target user.
The method according to claim 1, wherein before receiving the medical insurance request of the target user, the method further comprises:

Receiving the activation request of the medical insurance payment service of the client; wherein, the activation request carries the identification information of the target user;

Sending the real-name authentication information of the target user to the medical insurance management system, so that the medical insurance management system performs insurance participation verification based on the real-name authentication information and generates a medical insurance-type virtual card of the target user;

Receiving the medical insurance virtual card of the target user returned by the medical insurance management system.
The method according to claim 1, wherein said obtaining the payment code allocated for the target user for medical insurance treatment comprises:

Sending the medical insurance virtual card of the target user to the medical insurance management system, so that the medical insurance management system returns a payment code corresponding to the medical insurance virtual card;

The received payment code is determined as a payment code for medical insurance and medical treatment.
The method according to claim 1, wherein said obtaining the payment code allocated for the target user for medical insurance treatment comprises:

Generating a payment code corresponding to the medical insurance virtual card corresponding to the target user;

The generated payment code is determined as a payment code for medical insurance and medical treatment.
The method according to claim 1, wherein said obtaining the payment code allocated for the target user for medical insurance treatment comprises:

Sending a risk identification request for the target user to a preset risk control system, so that the preset risk control system can identify the target user's risk level based on the target user's historical transaction data;

Receiving the risk identification result of the target user returned by the preset risk control system;

According to the risk identification result, it is determined whether to obtain the payment code allocated to the target user for medical insurance treatment.
The method according to claim 7, wherein the determining whether to obtain a payment code for medical insurance and medical treatment allocated to the target user according to the risk identification result comprises:

If the risk identification result indicates that the target user is a normal user, a payment code for medical insurance and medical treatment allocated to the target user is obtained.
The method according to claim 7, wherein the determining whether to obtain a payment code for medical insurance and medical treatment allocated to the target user according to the risk identification result comprises:

If the risk identification result indicates that the target user is a risk user, sending a real-name authentication request to the client of the target user;

Performing identity verification on the target user based on the real-name authentication information of the target user returned by the client;

If the identity verification result is that the real-name authentication is passed, the payment code allocated for the target user for medical insurance treatment is obtained.
The method according to claim 1, wherein said obtaining the payment code allocated for the target user for medical insurance treatment comprises:

Sending a medical insurance account password input request to the client of the target user, and receiving the medical insurance account password information returned by the client;

Sending the medical insurance account password information to the medical insurance management system, so that the medical insurance management system performs account password verification based on the medical insurance account password information;

If the account password verification result is that the verification is passed, the payment code allocated to the target user for medical insurance treatment is obtained.
The method according to claim 1, wherein said receiving the medical insurance medical treatment request of the target user comprises:

Receiving the medical insurance medical treatment request of the client through the medical insurance payment service interface; wherein the medical insurance payment service interface is independent of the normal payment service interface;

or,

The medical insurance payment service interface receives the medical insurance medical treatment request sent by the medical institution terminal; wherein the medical insurance medical treatment request is sent by the client to the medical institution terminal.
The method according to claim 1, wherein after receiving the payment information returned by the medical insurance management system, the method further comprises:

Update the preset payment statistical information of the target user according to the payment information;

Based on the updated preset payment statistical information, the rights exchange information of the target user is determined.
The method according to claim 1, wherein the transmitting the payment code to a medical institution terminal, so that the medical institution terminal sends the payment code to a medical insurance management system for identity authentication of the target user, include:

Transmitting the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system;

Receiving a user identification acquisition request sent by the medical insurance management system;

The identification information of the target user is sent to the medical insurance management system, so that the medical insurance management system performs identity authentication on the target user based on the payment code and the identification information.
A payment method including:

Receiving a medical insurance medical care request from the client for a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance;

Acquiring a payment code allocated to the target user for medical insurance treatment; wherein the payment code corresponds to the medical insurance virtual card;

Transmitting the payment code to the client, so that the medical institution terminal sends the payment code obtained from the client to the medical insurance management system to perform identity authentication on the target user;

Receiving payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.
A payment method including:

Receiving a medical insurance medical care request from a medical institution terminal for a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance;

Acquiring a payment code allocated to the target user for medical insurance treatment; wherein the payment code corresponds to the medical insurance virtual card;

Sending the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user;

Receiving payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.
A payment device, including:

A request obtaining module, which receives a medical insurance medical treatment request of a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance;

A payment code acquisition module, which acquires a payment code allocated to the target user for medical insurance treatment; wherein, the payment code corresponds to the medical insurance virtual card;

A payment code sending module, which transmits the payment code to a medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to perform identity authentication on the target user;

A payment information receiving module, which receives payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.
A payment device, including:

A request acquisition module, which receives a medical insurance request for a target user from the client; wherein the target user is a user who has applied for a medical insurance virtual card in advance;

A payment code acquisition module, which acquires a payment code allocated to the target user for medical insurance treatment; wherein, the payment code corresponds to the medical insurance virtual card;

A payment code sending module, which transmits the payment code to the client, so that the medical institution terminal sends the payment code obtained from the client to the medical insurance management system to perform identity authentication on the target user;

A payment information receiving module, which receives payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.
A payment device, including:

A request acquisition module, which receives a medical insurance request for a target user from a medical institution terminal; wherein the target user is a user who has applied for a medical insurance virtual card in advance;

A payment code acquisition module, which acquires a payment code allocated to the target user for medical insurance treatment; wherein, the payment code corresponds to the medical insurance virtual card;

A payment code sending module, which sends the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user;

A payment information receiving module, which receives payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.
A payment system, including: a back-end server, a client, a medical institution, and a medical insurance management system;

The background server obtains the medical insurance medical treatment request of the target user from the client terminal; and obtains the payment code allocated to the target user for medical insurance medical treatment, and transmits the payment code to the medical institution terminal ; Wherein, the target user is a user who applies for a medical insurance virtual card in advance, and the payment code corresponds to the medical insurance virtual card;

The medical institution terminal sends the payment code to the medical insurance management system;

The medical insurance management system performs identity authentication on the target user based on the payment code;

The medical institution terminal, after determining that the target user's identity authentication is passed, sends the medical insurance management system the target user's medical settlement list;

The medical insurance management system generates payment information of the target user according to the medical settlement checklist, and sends the payment information to the background server.
A payment device including:

Processor; and

A memory arranged to store computer-executable instructions which, when executed, cause the processor to:

Receiving a medical insurance medical treatment request from a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance;

Acquiring a payment code allocated to the target user for medical insurance treatment; wherein the payment code corresponds to the medical insurance virtual card;

Transmitting the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user;

Receiving payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.
A storage medium for storing computer executable instructions, which implement the following methods when executed by a processor:

Receiving a medical insurance medical treatment request from a target user; wherein the target user is a user who has applied for a medical insurance virtual card in advance;

Acquiring a payment code allocated to the target user for medical insurance treatment; wherein, the payment code corresponds to the medical insurance virtual card;

Transmitting the payment code to the medical institution terminal, so that the medical institution terminal sends the payment code to the medical insurance management system to authenticate the target user;

Receiving payment information returned by the medical insurance management system; wherein the payment information is generated based on the medical settlement list of the target user sent by the medical institution terminal after the identity authentication is passed.