Medical payment security system and method based on random payment code

A payment security and payment code technology, which is applied in payment systems, payment architectures, instruments, etc., can solve the problems of inability to perform payment security and deficiencies, and achieve the effect of improving user experience and efficiency.

Inactive Publication Date: 2017-12-19
SHENZHEN QIANHAI KANGQIYUAN TECH
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AI-Extracted Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to provide a medical payment security system and method based on a random payment code, a...
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Method used

Adopting the present invention can still complete online payment when the network connection of any party of merchant terminal 2 and mobile terminal 3 is interrupted, which improves the payment experience, facilitates the timely update of payment data, ensures that the patient is informed in time and avoids the patient At the same time, the content of the short message is dynamically encrypted, which improves the information security of medical data.
Specifically, on the client software installed on described mobile terminal 3 (medical cloud platform 1 is directed at the client software of mobile terminal 3), input information such as amount of payment, business name, medical supplies name, quantity, unit price , and then generate the first payment information in combination with the registered account number (that is, the account number of the patient registered with the medical cloud platform 1). That is to say, the first payment information includes information such as registered account number (that is, the account number of the patient registered on the medical cloud platform 1), payment amount, payment date, merchant name, merchant address, name, quantity, and unit price of medical supplies. It should be noted that the mobile terminal 3 can di...
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Abstract

The present invention provides a medical payment security system and method based on a random payment code. The method comprises: receiving first binary payment information and a first random payment code that are sent by a mobile terminal in the form of a text message; performing binary conversion on the first binary payment information to restore the first payment information; receiving second binary payment information and a second random payment code that are sent by a merchant terminal in the form of a text message; performing binary conversion on the second binary payment information to restore the second payment information; and when the first payment information is consistent with the second payment information after comparison, transferring a payment amount corresponding to the first payment information from a bank account of a user of the mobile terminal to an account of the merchant terminal, so as to complete payment. By implementing the method, online payment can be realized in the manner of text message confirmation in the case of no network.

Application Domain

Payment protocols

Technology Topic

Safe systemText message +7

Image

  • Medical payment security system and method based on random payment code
  • Medical payment security system and method based on random payment code
  • Medical payment security system and method based on random payment code

Examples

  • Experimental program(1)

Example Embodiment

[0031] In order to further illustrate the technical means and effects of the present invention to achieve the intended purpose of the invention, the specific implementation, structure, features and effects of the present invention are described in detail below with reference to the accompanying drawings and preferred embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, but not to limit the present invention.
[0032] Reference figure 1 Shown is a schematic diagram of the application environment of the medical payment security system based on the random payment code of the present invention. The medical payment security system 10 based on random payment codes in the present invention runs on the medical cloud platform 1.
[0033] The medical cloud platform 1 and the merchant terminal 2 pass through the Internet or telecommunication network ( figure 1 Not shown in) connection. The merchant terminal 2 can also be connected with one or more mobile terminals 3 through the Internet, Bluetooth, or NFC. The medical cloud platform 1 is also connected to the mobile terminal 3 via the Internet or a telecommunication network.
[0034] The network is preferably a wireless communication network, including but not limited to wireless transmission networks or telecommunication networks such as GSM network, GPRS network, CDMA network, TD-SCDMA network, WiMAX network, TD-LTE network, FDD-LTE network. In this embodiment, the medical cloud platform 1, the merchant terminal 2 and the mobile terminal 3 perform information transmission via the Internet or a telecommunication network. Specifically, the merchant terminal 2 accesses the medical cloud platform 1 and performs network data transmission through the Internet, and the mobile terminal 3 can also access the medical cloud platform 1 and performs network data transmission through the Internet. The merchant terminal 2 is installed with the client software of the medical cloud platform 1 for merchants. When the administrator of the merchant terminal 2 starts the client software for the merchant, the merchant terminal 2 communicates with the medical cloud platform 1 Internet connection and data interaction can be realized. Further, the client software for consumers of the medical cloud platform 1 is installed on the mobile terminal 3. When the user using the mobile terminal 3 starts the client software for consumers, the mobile terminal 3 and the The medical cloud platform 1 is connected to the Internet and can realize data interaction. When the medical cloud platform 1 performs data interaction with the merchant terminal 2 and the mobile terminal 3 (that is, the network terminal transmitting data or no signal), the medical cloud platform 1 can send information to the merchant by means of short messages in the telecommunication network Terminal 2 and mobile terminal 3.
[0035] The medical cloud platform 1 integrates all health service product information provided by the merchant terminal 2 connected to the medical cloud platform 1 (for example, chronic disease intervention services, medical image identification services, traditional Chinese medicine physiotherapy services and other medical services), so that the mobile The terminal 3 purchases health service products provided by the merchant to which the business terminal 2 belongs (for example, other medical services such as chronic disease intervention services, medical image identification services, and traditional Chinese medicine physiotherapy services).
[0036] It should be noted that the medical cloud platform 1 is a server in a cloud platform or a data center. The data transmission and data storage capabilities of the cloud platform or data center can better manage and/or assist with the medical The merchant terminal 2 and the mobile terminal 3 connected to the cloud platform 1.
[0037] The merchant terminal 2 is located in the business premises of the merchant, and is used to scan the payment QR code on the mobile terminal 3 to complete the electronic payment when a customer holds the mobile terminal 3 to consume in the business premises of the merchant.
[0038] The merchant terminal 2 may be, but is not limited to, a cash register terminal or any other suitable cash register device capable of scanning codes (for example, a POS machine with a code scanner).
[0039] The mobile terminal 3 may be, but is not limited to, any other suitable portable electronic equipment with a camera such as a smart phone, a tablet computer, a PDA, a personal computer, etc.
[0040] Reference figure 2 Shown is a schematic diagram of modules of a preferred embodiment of a medical payment security system based on random payment codes of the present invention. In this embodiment, the medical payment security system 10 based on random payment codes is applied to the medical cloud platform 1. The medical cloud platform 1 includes, but is not limited to, a medical payment security system 10 based on a random payment code, a storage unit 11, a processing unit 12, and a communication unit 13.
[0041] The storage unit 11 may be a read-only storage unit ROM, an electrically erasable storage unit EEPROM, a flash storage unit FLASH, or a solid hard disk.
[0042] The processing unit 12 may be a central processing unit (CPU), a microcontroller (MCU), a data processing chip, or an information processing unit with data processing functions.
[0043] The communication unit 13 is a wireless communication interface with a remote wireless communication function, such as a communication interface supporting communication technologies such as GSM, GPRS, WCDMA, CDMA, TD-SCDMA, WiMAX, TD-LTE, FDD-LTE, etc.
[0044] The medical payment security system 10 based on random payment codes includes, but is not limited to, a receiving module 111, a restoration module 112, a judgment module 113, a transfer module 114, and a generating module 115. The module referred to in the present invention refers to a A series of computer program instruction segments executed by the processing unit 12 of the medical cloud platform 1 and capable of completing fixed functions are stored in the storage unit 11 of the medical cloud platform 1.
[0045] The receiving module 111 is configured to receive the first binary payment information and the first random payment code sent by the mobile terminal 3 via a short message.
[0046] Specifically, input the payment amount, business name, medical supplies name, quantity, unit price and other information on the client software installed on the mobile terminal 3 (the client software of the medical cloud platform 1 for the mobile terminal 3), and then combine The registered account (that is, the account registered by the patient on the medical cloud platform 1) generates the first payment information. In other words, the first payment information includes information such as a registered account (that is, the account of the patient registered on the medical cloud platform 1), payment amount, payment date, business name, business address, name, quantity, and unit price of medical supplies. It should be noted that the mobile terminal 3 can directly scan (ie, the camera on the mobile terminal 3) the barcode (including information such as name and price) on the medical product packaging box for input, so as to avoid the patient's manual input from delaying efficiency.
[0047] Further, after the first payment information is generated, the mobile terminal 3 performs binary conversion on the first payment information. Specifically, in this embodiment, the mobile terminal 3 calls the built-in binary code transcoding software (for example, a unicode transcoder or a binary code transcoder installed on the mobile terminal 3) to transfer the first The payment information is converted into binary code.
[0048] After the mobile terminal 3 performs binary conversion on the first payment information, a first random payment code is randomly generated, and then the mobile terminal 3 sends short messages to the medical cloud platform 1 respectively.
[0049] The restoration module 112 is configured to perform binary conversion on the binary first payment information to restore the first payment information. The restoration module 112 calls the binary code transcoding software (for example, a unicode transcoder or a binary code transcoder installed on the mobile terminal 3) built in the medical cloud platform 1 to restore the first binary payment information Is the original first payment information.
[0050] The receiving module 111 is configured to receive the second payment information and the second random payment code sent by the merchant terminal 2 via SMS.
[0051] In other embodiments, the merchant terminal 2 may obtain the first payment information and the first random payment code from the mobile terminal 3 through Bluetooth or QR code scanning, and use the first feature obtained from the mobile terminal 3 The information serves as the second payment information and the second random payment code. Specifically, the first payment information obtained from the mobile terminal 3 is used as the second payment information, and the first random payment code obtained from the mobile terminal 3 is used as the second random payment code.
[0052] The restoration module 112 is configured to perform binary conversion on the binary second payment information to restore the second payment information. The restoration module 112 calls the binary code transcoding software built in the medical cloud platform 1 (for example, a unicode transcoder or a binary code transcoder installed on the mobile terminal 3) to restore the second binary payment information Is the original second payment information.
[0053] The judgment module 113 is used to judge whether the first random payment code is consistent with the second random payment code.
[0054] The transfer module 114 is used to transfer the payment amount corresponding to the first payment information from the bank account of the user using the mobile terminal 3 to the account of the merchant terminal 2 when the first random payment code is consistent with the second random payment code , Complete payment. Specifically, when the first random payment code is consistent with the second random payment code, the medical cloud platform 1 accesses the bank’s financial system and obtains the payment amount from the first payment information, and obtains the payment amount from the patient’s medical The payment amount in the scan code payment information is transferred from the bank account bound to the cloud platform 1 to the bank account designated by the merchant.
[0055] The generating module 115 is used to generate payment success information and send it to the merchant terminal 2 and the mobile terminal 3 respectively. In this embodiment, when the payment amount in the scan code payment information is transferred from the patient's bank account bound to the medical cloud platform 1 to the bank account designated by the merchant, in order to ensure that the merchant terminal 2 mobile terminal 3 checks the account receipt in time When the payment amount is reached, the medical cloud platform 1 also generates payment success information and sends it to the merchant terminal 2 and the mobile terminal 3 by means of short messages.
[0056] Reference image 3 As shown, it is a flowchart of a preferred embodiment of a medical payment security method based on a random payment code of the present invention. In this embodiment, the medical payment security method based on random payment codes is applied to the medical cloud platform 1, and the method includes the following steps:
[0057] Step S11: The receiving module 111 is configured to receive the first binary payment information and the first random payment code sent by the mobile terminal 3 via a short message.
[0058] Specifically, input the payment amount, business name, medical supplies name, quantity, unit price and other information on the client software installed on the mobile terminal 3 (the client software of the medical cloud platform 1 for the mobile terminal 3), and then combine The registered account (that is, the account registered by the patient on the medical cloud platform 1) generates the first payment information. In other words, the first payment information includes information such as a registered account (that is, the account of the patient registered on the medical cloud platform 1), payment amount, payment date, business name, business address, name, quantity, and unit price of medical supplies. It should be noted that the mobile terminal 3 can directly scan (ie, the camera on the mobile terminal 3) the barcode (including information such as name and price) on the medical product packaging box for input, so as to avoid the patient's manual input from delaying efficiency.
[0059] Further, after the first payment information is generated, the mobile terminal 3 performs binary conversion on the first payment information. Specifically, in this embodiment, the mobile terminal 3 calls the built-in binary code transcoding software (for example, a unicode transcoder or a binary code transcoder installed on the mobile terminal 3) to transfer the first The payment information is converted into binary code.
[0060] After the mobile terminal 3 performs binary conversion on the first payment information, a first random payment code is randomly generated, and then the mobile terminal 3 sends short messages to the medical cloud platform 1 respectively.
[0061] Step S12: The restoration module 112 performs binary conversion on the binary first payment information to restore the first payment information. The restoration module 112 calls the binary code transcoding software (for example, a unicode transcoder or a binary code transcoder installed on the mobile terminal 3) built in the medical cloud platform 1 to restore the first binary payment information Is the original first payment information.
[0062] Step S13: The receiving module 111 receives the second payment information and the second random payment code sent by the merchant terminal 2 via a short message.
[0063] In other embodiments, the merchant terminal 2 may obtain the first payment information and the first random payment code from the mobile terminal 3 through Bluetooth or QR code scanning, and use the first feature obtained from the mobile terminal 3 The information serves as the second payment information and the second random payment code. Specifically, the first payment information obtained from the mobile terminal 3 is used as the second payment information, and the first random payment code obtained from the mobile terminal 3 is used as the second random payment code.
[0064] Step S14: The restoration module 112 performs binary conversion on the binary second payment information to restore the second payment information. The restoration module 112 calls the binary code transcoding software built in the medical cloud platform 1 (for example, a unicode transcoder or a binary code transcoder installed on the mobile terminal 3) to restore the second binary payment information Is the original second payment information.
[0065] Step S15: The judgment module 113 is used to judge whether the first random payment code is consistent with the second random payment code. When the first random payment code is consistent with the second random payment code, the flow proceeds to step S16.
[0066] Step S16: When the first random payment code is consistent with the second random payment code, the transfer module 114 transfers the payment amount corresponding to the first payment information from the bank account of the user using the mobile terminal 3 to the account of the merchant terminal 2. Complete payment. Specifically, when the first random payment code is consistent with the second random payment code, the medical cloud platform 1 accesses the bank’s financial system and obtains the payment amount from the first payment information, and obtains the payment amount from the patient’s medical The payment amount in the scan code payment information is transferred from the bank account bound to the cloud platform 1 to the bank account designated by the merchant.
[0067] The generating module 115 is used to generate payment success information and send it to the merchant terminal 2 and the mobile terminal 3 respectively. In this embodiment, when the payment amount in the scan code payment information is transferred from the patient's bank account bound to the medical cloud platform 1 to the bank account designated by the merchant, in order to ensure that the merchant terminal 2 mobile terminal 3 checks the account receipt in time When the payment amount is reached, the medical cloud platform 1 also generates payment success information and sends it to the merchant terminal 2 and the mobile terminal 3 by means of short messages.
[0068] It should be noted that in other embodiments, step S13 to step S14 may be performed first, and then step S11 to step S12 are performed. That is to say, the execution order of steps S11 to S12 can be exchanged with the execution order of steps S13 to S14.
[0069] With the present invention, online payment can be completed even when the network connection of either the merchant terminal 2 or the mobile terminal 3 is interrupted, which improves the payment experience, facilitates the timely update of payment data, ensures that patients are informed in time and avoids patient anxiety and While waiting, the content of the short message is dynamically encrypted, which improves the information security of medical data.
[0070] The above are only the preferred embodiments of the present invention, and do not limit the scope of the present invention. Any equivalent structure or equivalent process transformation made using the content of the description and drawings of the present invention, or directly or indirectly applied to other related technical fields , The same reason is included in the scope of patent protection of the present invention.

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