A medical expense settlement method, settlement device and terminal equipment

Abstract

The embodiment of the present application discloses a settlement method, a settlement device and a terminal device for medical expenses, wherein the settlement method includes the following steps: obtaining user information of the user to be paid, the user information includes user identity information and consumption information; sending the user identity information and consumption information to the medical insurance system; obtaining the reimbursement information of the user corresponding to the user identity information fed back by the medical insurance system; sending the user identity information, reimbursement information and consumption information to the commercial insurance system, the commercial insurance system is a system corresponding to the commercial insurance business in which the user to be paid has been insured and the user to be paid requests to obtain commercial insurance claims simultaneously; obtaining the commercial insurance claims information determined by the commercial insurance system according to the insurance contract of the user to be paid; determining the amount to be paid by the user to be paid according to the consumption information, reimbursement information, and commercial insurance claims information. The settlement method for medical expenses provided by the embodiment of the present application simplifies the settlement process and improves the settlement efficiency.

Description

Technical Field

[0001] The present invention relates to the field of medical technology, and in particular to a medical expense settlement method, a settlement device and a terminal device. Background Art

[0002] At present, when users settle their bills after seeing a doctor, medical insurance reimbursement and commercial insurance claims are handled separately. Usually, when users settle bills at the hospital, the hospital searches for the user's medical insurance type based on the user's personal information, and sends the user's information and consumption information to the medical insurance system. The medical insurance system determines the amount that can be reimbursed by the medical insurance based on the information obtained and informs the hospital. The hospital deducts the amount of medical insurance reimbursement from the total amount, which is the amount paid by the patient when settling at the hospital. If the patient purchases a commercial insurance product from a commercial insurance company, such as a claim product from Ping An Life Insurance, the patient can take the invoice and paper receipts issued by the hospital to the commercial insurance company for reimbursement after settling at the hospital. Therefore, the existing medical expense settlement process is long and cumbersome. Summary of the invention

[0003] The embodiment of the present invention discloses a medical expense settlement method, a settlement device and a terminal device, which can simplify the settlement process and improve the settlement efficiency.

[0004] A first aspect of an embodiment of the present invention discloses a method for settling medical expenses, the method comprising the following steps:

[0005] Obtaining user information of the user to be paid, the user information including user identity information and consumption information;

[0006] Sending the user identity information and the consumption information to a medical insurance system;

[0007] Obtaining the reimbursement expense information of the user corresponding to the user identity information fed back by the medical insurance system;

[0008] Sending the user identity information, the reimbursement expense information, and the consumption information to a commercial insurance system, where the commercial insurance system is a system corresponding to the commercial insurance business in which the user to be paid has participated and the user to be paid requests to obtain commercial insurance claims simultaneously;

[0009] Obtaining information on commercial insurance claims determined by the commercial insurance system according to the insurance contract of the user to be paid;

[0010] The amount to be paid by the user to be paid is determined based on the consumption information, the reimbursement expense information, and the commercial insurance claim information.

[0011] In conjunction with the first aspect, in some possible implementations, obtaining user information of the user to be paid includes:

[0012] Acquire the identity information of the user to be paid through the collection device;

[0013] The consumption information of the user to be paid is obtained from a database according to the identity information.

[0014] In conjunction with the first aspect, in some possible implementations, determining the amount to be paid by the user to be paid according to the consumption information, the reimbursement expense information, and the commercial insurance claim information includes:

[0015] The balance after deducting the amount of reimbursement from the amount of consumption and the amount of commercial insurance claim is determined as the amount to be paid by the user to be paid. The consumption amount is determined by the consumption information, the amount of reimbursement is determined by the reimbursement information, and the amount of commercial insurance claim is determined by the commercial insurance claim information.

[0016] In conjunction with the first aspect, in some possible implementations, before sending the user identity information, the expense reimbursement information, and the consumption information to the commercial insurance system, the method further includes:

[0017] Obtain the information on commercial insurance claims that the user to be paid has participated in.

[0018] In conjunction with the first aspect, in some possible implementations, before sending the user identity information, the expense reimbursement information, and the consumption information to the commercial insurance system, the method further includes:

[0019] The verification information of the user to be paid is obtained according to preset verification conditions, and the identity of the user to be paid is verified according to the verification information.

[0020] In a second aspect, an embodiment of the present application provides a medical expense settlement device, the device comprising: a first acquisition unit, a first sending unit, a second acquisition unit, a second sending unit, a third acquisition unit and a determination unit, wherein:

[0021] The first acquisition unit is used to acquire user information of the user to be paid, wherein the user information includes user identity information and consumption information;

[0022] The first sending unit is used to send the user identity information and the consumption information to the medical insurance system;

[0023] The second acquisition unit is used to acquire the reimbursement expense information of the user corresponding to the user identity information fed back by the medical insurance system;

[0024] The second sending unit is used to send the user identity information, the reimbursement expense information, and the consumption information to a commercial insurance system, where the commercial insurance system is a system corresponding to the commercial insurance business in which the user to be paid has participated in the insurance and the user to be paid requests to obtain commercial insurance claims simultaneously;

[0025] The third acquisition unit is used to acquire the commercial insurance claim information determined by the commercial insurance system according to the insurance contract of the user to be paid;

[0026] The determination unit is used to determine the amount that the user to be paid should pay based on the consumption information, the reimbursement expense information, and the commercial insurance claim information.

[0027] In conjunction with the second aspect, in some possible implementations, the first acquisition unit is specifically used to obtain identity information of the user to be paid through a collection device; and obtain consumption information of the user to be paid from a database based on the identity information.

[0028] In combination with the second aspect, in some possible implementations, the determination unit is specifically used to determine the balance after deducting the amount of reimbursement from the amount of consumption and the amount of commercial insurance claim as the amount to be paid by the user to be paid, the consumption amount is determined by the consumption information, the amount of reimbursement is determined by the reimbursement information, and the amount of commercial insurance claim is determined by the commercial insurance claim information.

[0029] In combination with the second aspect, in some possible implementations, the first acquisition unit is also used to obtain information requesting simultaneous acquisition of commercial insurance claims from the commercial insurance in which the user to be paid has participated before the second sending unit sends the user identity information, the reimbursement expense information, and the consumption information to the commercial insurance system.

[0030] In combination with the second aspect, in some possible implementations, the first acquisition unit is also used to obtain the verification information of the user to be paid according to preset verification conditions before the second sending unit sends the user identity information, the reimbursement expense information, and the consumption information to the commercial insurance system, and verify the identity of the user to be paid based on the verification information.

[0031] In a third aspect, an embodiment of the present application provides a terminal device, comprising a processor, a memory, a communication interface and a bus, wherein the processor, the memory and the communication interface are coupled via a bus, wherein the memory is used to store a computer program, and the computer program includes program instructions. The processor communicates with an external system via the communication interface, and the processor is configured to call the program instructions to execute the medical expenses settlement method provided by the first aspect and / or any possible implementation method of the first aspect.

[0032] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor executes the method for settling medical expenses provided by the above-mentioned first aspect and / or any possible implementation method of the first aspect.

[0033] By adopting the technical solution provided in the embodiment of the present invention, when performing settlement, the amount to be paid by the paying user can be determined based on consumption information, medical insurance reimbursement information, and commercial insurance claims information. This technical solution processes both medical insurance reimbursement and commercial insurance claims during settlement. After settlement, the user no longer needs to take the consumption receipt to the commercial insurance company for commercial insurance claims, which simplifies the process and improves efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0035] Figure 1 It is a schematic diagram of the architecture of a medical expense settlement system disclosed in an embodiment of the present invention.

[0036] Figure 2A The present invention is a flowchart of a method for settling medical expenses disclosed in an embodiment of the present invention.

[0037] Figure 2B It is a flow chart of another medical expense settlement method disclosed in an embodiment of the present invention.

[0038] Figure 3 It is a structural schematic diagram of a medical expense settlement device disclosed in an embodiment of the present invention.

[0039] Figure 4 It is a structural schematic diagram of a terminal device disclosed in an embodiment of the present invention. DETAILED DESCRIPTION

[0040] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0041] The embodiment of the present invention discloses a medical expense settlement method, a settlement device and a terminal device. The technical solution provided by the embodiment of the present invention simplifies the settlement process and improves the settlement efficiency.

[0042] In order to better understand the settlement method and device disclosed in the embodiment of the present invention, the system architecture applicable to the embodiment of the present invention is described below. Figure 1 , Figure 1 This is a schematic diagram of the architecture of a medical expense settlement system disclosed in an embodiment of the present invention. Figure 1 In the system architecture shown, the settlement system includes: a settlement device 101, a medical insurance system 102, and a commercial insurance system 103. Among them, medical insurance refers to medical insurance, and commercial insurance refers to commercial insurance. The settlement device 101 communicates with the medical insurance system 102 and the commercial insurance system 103 through the network. Specifically, when the user 100 settles the account through the settlement device 101, the settlement device 101 first obtains the user information, which includes the user identity information and the consumption information; then the settlement device 101 sends the user identity information and the consumption information to the medical insurance system 102, and the medical insurance system 102 determines the amount of medical insurance reimbursement for the user according to the medical insurance policy, the user identity information and the consumption information. After the settlement device 101 obtains the reimbursement information of the user determined by the medical insurance system 102, it sends the user identity information, the medical insurance reimbursement information, and the consumption information to the commercial insurance system 103, which is a system corresponding to the commercial insurance business in which the user has participated in the insurance and the user requests to obtain the commercial insurance claim at the same time; the commercial insurance system 103 queries the user's insurance information according to the user's identity information, and specifically, determines the commercial insurance claim amount according to the user's insurance contract, consumption information and the medical insurance reimbursement information, and the settlement device 101 obtains the commercial insurance claim information determined by the commercial insurance system 103; finally, the settlement device 101 determines the amount that the user should pay according to the consumption information, the social insurance reimbursement information and the commercial insurance claim information. Since the amount paid by the user has already deducted the social insurance reimbursement fees and commercial insurance claims fees, the user does not need to advance the relevant fees and then go to the social insurance agency and the commercial insurance claims agency to obtain the advanced fees. Therefore, the technical solution provided by the embodiment of the present invention simplifies the medical expenses settlement process and improves the medical expenses settlement efficiency.

[0043] based on Figure 1 The schematic diagram of the medical expense settlement system shown in FIG. 1 discloses a medical expense settlement method. Figure 2A , Figure 2A FIG. 1 is a flow chart of a method for settling medical expenses disclosed in an embodiment of the present invention. Figure 2A As shown, the method for settling medical expenses may include the following steps.

[0044] 201. Obtain user information of a user to be paid, where the user information includes user identity information and consumption information.

[0045] In some possible implementations, the identity information of the user to be paid can be obtained through a collection device; and the consumption information of the user to be paid can be obtained from a database based on the identity information. For example, the user's medical insurance card can be scanned by a scanning device, the user's identity information can be read from the medical insurance card, and then the user's consumption information can be searched based on the user's identity information. The consumption information may include the user's treatment expenses, examination expenses, medical expenses, etc. It should be noted that, based on the social security policy of the user's region, the insurance information, the user's consumption information, and the user's participation in commercial insurance, the expenses included in the consumption information may include the part that can be reimbursed by social insurance and the part that can be claimed by commercial insurance.

[0046] In some possible implementations, the user may hold a medical record with personal information such as name written on it, and the staff may enter the name and other personal information displayed on the medical record into the settlement terminal based on the name on the medical record, and search for the user's consumption information recorded in the database based on the input personal information.

[0047] In some possible implementations, the user identity information may also be the user's biometric information such as the user's fingerprint information and / or facial information. The settlement system stores the user's biometric information collected in advance. During settlement, after obtaining the user's biometric information, the user identification bound to the biometric information, such as the social security card number, is determined by comparing it with the saved user's biometric information.

[0048] 202. Send the user identity information and the consumption information to a medical insurance system.

[0049] After receiving the user's identity information, the medical insurance system searches for the user's insurance information based on the user's identity information. The medical insurance system determines the amount of expenses that can be reimbursed by the medical insurance in the consumption information corresponding to the settlement of the user by the medical insurance based on the medical insurance policy, the user's insurance information and the consumption information. For example, the user's identity information can be a social security card number. After the medical insurance system obtains the social security card number, it searches the database for the insurance information of the user corresponding to the social security card number. For example, the type of social insurance that the user participates in can be determined, and social insurance includes basic medical insurance for urban employees, basic medical insurance for urban residents and new rural cooperative medical care.

[0050] 203. Obtain the reimbursement expense information of the user corresponding to the user identity information fed back by the medical insurance system.

[0051] Among them, the reimbursement expense information includes the amount that can be reimbursed by medical insurance from the expenses included in the corresponding consumption information when medical insurance settles accounts with users.

[0052] 204. Send the user identity information, the reimbursement expense information, and the consumption information to a commercial insurance system, where the commercial insurance system is a system corresponding to the commercial insurance business in which the user to be paid has participated and the user to be paid requests to obtain commercial insurance claims simultaneously.

[0053] Commercial insurance refers to profitable medical insurance operated by insurance companies. Based on the principle of voluntary participation, users pay a certain amount of insurance premiums, and when encountering major diseases, they can obtain a certain amount of commercial insurance claims from the insurance company. Understandably, if a user purchases multiple commercial insurances and requires simultaneous access to multiple commercial insurance claims, the user's identity information, reimbursement expense information, and consumption information are sent to each commercial insurance system that needs to obtain commercial insurance claims simultaneously.

[0054] 205. Obtain the commercial insurance claim information determined by the commercial insurance system according to the insurance contract of the user to be paid.

[0055] Commercial insurance usually includes many types. Different types of commercial insurance usually have different claims for users. Commercial insurance includes: major disease insurance, high-incidence major disease insurance, hospitalization compensatory insurance, accidental medical insurance, etc. Understandably, if a user purchases multiple commercial insurances and requests to obtain claims for multiple commercial insurances simultaneously, the aggregated claim information of the request to obtain claims for multiple commercial insurances simultaneously.

[0056] 206. Determine the amount that the user to be paid should pay based on the consumption information, the reimbursement expense information, and the commercial insurance claim information.

[0057] The amount to be paid by the user to be paid is determined based on the consumption information, the reimbursement information, and the commercial insurance claim information, including: the balance after deducting the amount of reimbursement from the amount of consumption and the amount of commercial insurance claim is determined as the amount to be paid by the user to be paid, the consumption amount is determined by the consumption information, the amount of reimbursement is determined by the reimbursement information, and the amount of commercial insurance claim is determined by the commercial insurance claim information.

[0058] By adopting the technical solution provided by the embodiment of the present invention, the amount to be paid by the user can be determined according to the consumption information, medical insurance reimbursement information, and commercial insurance claim information during settlement. The technical solution processes both medical insurance reimbursement and commercial insurance claims during settlement. After settlement, the user no longer needs to take the consumption receipt to the commercial insurance company for commercial insurance claims, which simplifies the process and improves efficiency.

[0059] See also Figure 2B , Figure 2B 1 is a flow chart of another method for settling medical expenses disclosed in an embodiment of the present invention. Figure 2AThe difference between the corresponding embodiment is that the present embodiment adds a step 204' of user identity authentication and a step 205' of obtaining a user request and obtaining a commercial insurance claim simultaneously. Specifically, Figure 2B As shown, the method for settling medical expenses may include the following steps.

[0060] 201'. Obtain user information of the user to be paid, wherein the user information includes user identity information and consumption information.

[0061] In some possible implementations, the identity information of the user to be paid can be obtained through a collection device; and the consumption information of the user to be paid can be obtained from a database based on the identity information. For example, the user's medical insurance card can be scanned by a scanning device, the user's identity information can be read from the medical insurance card, and then the user's consumption information can be searched based on the user's identity information. The consumption information may include the user's treatment expenses, examination expenses, medical expenses, etc. It should be noted that according to the social security policy of the user's pooling area, the insurance information, the user's consumption information, and the user's participation in commercial insurance, the expenses included in the consumption information may include the part that can be reimbursed by social insurance and the part that can be claimed by commercial insurance.

[0062] 202', sending the user identity information and the consumption information to the medical insurance system.

[0063] After receiving the user's identity information, the medical insurance system searches for the user's insurance information based on the user's identity information. The medical insurance system determines the amount that can be reimbursed by the medical insurance based on the medical insurance policy, the user's insurance information and the consumption information.

[0064] 203', obtaining the reimbursement expense information of the user corresponding to the user identity information fed back by the medical insurance system.

[0065] Among them, the reimbursement expense information includes the amount that can be reimbursed by medical insurance from the expenses included in the corresponding consumption information when medical insurance settles accounts with users.

[0066] 204'. Obtain verification information of the user to be paid according to preset verification conditions, and verify the identity of the user to be paid according to the verification information.

[0067] In order to improve the security of medical expense settlement, before settlement, a step of verifying the user's identity information can be added. Specifically, a verification condition can be preset. If the verification is passed, the commercial insurance claim can be settled together when the settlement is made. If the verification is not passed, the medical expense settlement cannot be performed, or only the medical insurance reimbursement can be settled, and the commercial insurance claim cannot be settled together. For example, the preset condition can be a mobile phone number or verification password pre-set by the user. Taking the verification password as an example, when the user to be paid goes to the counter to settle the medical expenses, according to the device prompt, if the user requests to settle the medical insurance reimbursement and commercial insurance claim together when settling, or the user actively requests to settle the medical insurance reimbursement and commercial insurance claim together when settling, the settlement device can voice prompt the user to enter the preset verification password. The user can enter a character string through an input device, such as a keyboard, and compare the character string entered by the user with the preset verification password. If they are consistent, the verification is passed, and the medical insurance reimbursement and commercial insurance claim can be settled together.

[0068] 205', obtaining information on commercial insurance claims of the commercial insurance that the user to be paid has participated in and requesting to simultaneously obtain the commercial insurance claims information.

[0069] In order to improve the security of settlement, in this embodiment, the user to be paid can confirm the request to obtain the commercial insurance claim simultaneously in the commercial insurance that has been insured.

[0070] 206', sending the user identity information, the reimbursement expense information, and the consumption information to a commercial insurance system, where the commercial insurance system is a system corresponding to the commercial insurance business in which the user to be paid has participated and the user to be paid requests to obtain commercial insurance claims simultaneously.

[0071] It is understandable that if a user purchases multiple commercial insurances and requires to obtain multiple commercial insurance claims simultaneously, the user identity information, reimbursement expense information, and consumption information will be sent to each commercial insurance system that needs to obtain commercial insurance claims simultaneously.

[0072] 207'. Obtain the commercial insurance claim information determined by the commercial insurance system according to the insurance contract of the user to be paid.

[0073] It is understandable that if a user purchases multiple commercial insurances and requests to obtain multiple commercial insurance claims simultaneously, the commercial insurance claims information of the multiple commercial insurance claims will be aggregated and obtained.

[0074] 208', determining the amount that the user to be paid should pay based on the consumption information, the reimbursement information, and the commercial insurance claim information.

[0075] The amount to be paid by the user to be paid is determined based on the consumption information, the reimbursement information, and the commercial insurance claim information, including: the balance after deducting the amount of reimbursement from the amount of consumption and the amount of commercial insurance claim is determined as the amount to be paid by the user to be paid, the consumption amount is determined by the consumption information, the amount of reimbursement is determined by the reimbursement information, and the amount of commercial insurance claim is determined by the commercial insurance claim information.

[0076] By adopting the technical solution provided by the embodiment of the present invention, the amount to be paid by the user can be determined according to the consumption information, medical insurance reimbursement information, and commercial insurance claim information during settlement. The technical solution processes both medical insurance reimbursement and commercial insurance claim during settlement. After settlement, the user no longer needs to take the consumption receipt to the commercial insurance company for commercial insurance claim, which simplifies the process and improves efficiency. In addition, the security of settlement is improved by verifying the identity of the user to be paid; the user to be paid can request to obtain the commercial insurance claim information synchronously in the commercial insurance that has been insured, which increases the flexibility of settlement.

[0077] The present invention also discloses a settlement device, see Figure 3 , Figure 3 Schematic diagram of a settlement device 300 disclosed in an embodiment of the present invention. Figure 3 As shown, the settlement device 300 may include: a first acquisition unit 301, a first sending unit 302, a second acquisition unit 303, a second sending unit 304, a third acquisition unit 305 and a determination unit 306, wherein:

[0078] The first acquisition unit 301 is used to acquire user information of the user to be paid, wherein the user information includes user identity information and consumption information. In some possible implementations, the user identity information can be acquired through a collection device; and the user consumption information can be acquired from a database based on the identity information. For example, the user's medical insurance card can be scanned by a scanning device, the user identity information can be read from the medical insurance card, and then the service can be searched based on the user identity information.

[0079] In some possible implementations, the user may hold a medical record with personal information such as name written on it, and the staff may enter the name and other personal information in the settlement terminal based on the name on the medical record, and search for the user's consumption information recorded in the database based on the input personal information.

[0080] It should be noted that the consumption information may be information and corresponding fees of various examinations, treatments, or medicines spent by the user in the hospital.

[0081] In some possible implementations, the user identity information may also be the user's biometric information such as the user's fingerprint information and / or facial information. The settlement system stores the user's biometric information collected in advance. During settlement, after obtaining the user's biometric information, the user identification bound to the biometric information, such as the social security card number, is determined by comparing it with the saved user's biometric information.

[0082] In some possible implementations, the first acquisition unit 301 is also used to obtain information requesting simultaneous acquisition of commercial insurance claims from the commercial insurance in which the user has participated before the second sending unit 304 sends the user identity information, the reimbursement expense information, and the consumption information to the commercial insurance system.

[0083] The first sending unit 302 is used to send the user identity information and the consumption information to the medical insurance system. After receiving the user identity information, the medical insurance system searches for the user's insurance information according to the user identity information, and determines the amount of the medical insurance that can be reimbursed in the expenses included in the consumption information corresponding to the medical insurance settlement for the user according to the medical insurance policy, the user's insurance information and the consumption information.

[0084] The second acquisition unit 303 is used to obtain the reimbursement expense information of the user corresponding to the user identity information fed back by the medical insurance system; wherein the reimbursement expense information includes the amount that can be reimbursed by the medical insurance in the expenses included in the corresponding consumption information when the medical insurance settles the bill with the user.

[0085] The second sending unit 304 is used to send the user identity information, the reimbursement information, and the consumption information to the commercial insurance system, which is a system corresponding to the commercial insurance business that the user to be paid has participated in and the user to be paid requests to obtain commercial insurance claims simultaneously. It can be understood that if the user to be paid has purchased multiple commercial insurances and requires to obtain multiple commercial insurance claims simultaneously, the user identity information, reimbursement information, and consumption information are sent to each commercial insurance system that needs to obtain commercial insurance claims simultaneously.

[0086] The third acquisition unit 305 is used to obtain the commercial insurance claim information determined by the commercial insurance system according to the insurance contract of the user to be paid. It can be understood that if the user purchases multiple commercial insurances and requires simultaneous acquisition of multiple commercial insurance claims, the commercial insurance claim information required to be obtained simultaneously is summarized.

[0087] The determination unit 306 is used to determine the amount that the user to be paid should pay according to the consumption information, the reimbursement information, and the commercial insurance claim information.

[0088] The amount to be paid by the user to be paid is determined based on the consumption information, the reimbursement information, and the commercial insurance claim information, including: the balance after deducting the amount of reimbursement from the amount of consumption and the amount of commercial insurance claim is determined as the amount to be paid by the user, the consumption amount is determined by the consumption information, the amount of reimbursement is determined by the reimbursement information, and the amount of commercial insurance claim is determined by the commercial insurance claim information.

[0089] By adopting the technical solution provided by the embodiment of the present invention, the amount to be paid by the user can be determined according to the consumption information, medical insurance reimbursement information, and commercial insurance claim information during settlement. The technical solution processes both medical insurance reimbursement and commercial insurance claims during settlement. After settlement, the user no longer needs to take the consumption receipt to the commercial insurance company for commercial insurance claims, which simplifies the process and improves efficiency.

[0090] In some possible implementations, a verification unit may be further included, which is used to obtain the verification information of the user to be paid according to preset verification conditions before the first sending unit sends the user identity information and the consumption information to the medical insurance system, and verify the identity of the user to be paid according to the verification information.

[0091] In some possible implementations, before the first sending unit sends the user identity information and the consumption information to the medical insurance system, the first acquisition unit is also used to obtain information requesting simultaneous acquisition of commercial insurance claims from the commercial insurance that the user to be paid has participated in.

[0092] See also Figure 4 , Figure 4 Schematic diagram of the structure of a terminal device provided in an embodiment of the present application. Figure 4 As shown, the terminal device 400 in this embodiment may include: a processor 401, a memory 402, a communication interface 403 and a bus 404, wherein the processor 401, the memory 402 and the communication interface 403 are coupled and connected via the bus 404, wherein the memory 402 is used to store a computer program, the computer program includes program instructions, the processor communicates with an external system via the communication interface, and the processor is configured to call the program instructions to perform the following operations:

[0093] Obtaining user information of the user to be paid, the user information including user identity information and consumption information;

[0094] Sending the user identity information and the consumption information to a medical insurance system;

[0095] Obtaining the reimbursement expense information of the user corresponding to the user identity information fed back by the medical insurance system;

[0096] Sending the user identity information, the reimbursement expense information and the consumption information to a commercial insurance system, where the commercial insurance system is a system corresponding to the commercial insurance business in which the user to be paid has participated and the user to be paid requests to obtain commercial insurance claims simultaneously;

[0097] Obtaining information on commercial insurance claims determined by the commercial insurance system according to the insurance contract of the user to be paid;

[0098] In some feasible implementations, the processor 401 obtains the user information of the user to be paid, which may include: obtaining the identity information of the user to be paid through a collection device; and obtaining the consumption information of the user to be paid from a database according to the identity information.

[0099] In some feasible implementations, the processor 401 determines the amount that the user to pay should pay based on the consumption information, the reimbursement information, and the commercial insurance claim information, which may include: determining the balance after deducting the amount of reimbursement from the amount of consumption and the amount of commercial insurance claim as the amount that the user to pay should pay, the consumption amount is determined by the consumption information, the amount of reimbursement is determined by the reimbursement information, and the amount of commercial insurance claim is determined by the commercial insurance claim information.

[0100] In some feasible implementations, before the processor 401 sends the user identity information, the reimbursement expense information, and the consumption information to the commercial insurance system, it may also perform the following operation: obtain information on requesting simultaneous acquisition of commercial insurance claims from the commercial insurance in which the user has participated.

[0101] In some feasible implementations, the processor 401 may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or the processor may be any conventional processor, etc.

[0102] The memory 402 may include a read-only memory and a random access memory, and provide instructions and data to the processor 401. A portion of the memory 402 may also include a non-volatile random access memory. For example, the memory 402 may also store information on the device type.

[0103] In some feasible implementations, the terminal device may execute the implementation methods provided in the steps of FIG. 2 through the functional modules of its built-in processor 401. For details, please refer to the implementation methods provided in the steps, which will not be described again here.

[0104] By adopting the technical solution provided by the embodiment of the present invention, the amount that the user should pay can be determined based on consumption information, medical insurance reimbursement information, and commercial insurance claim information during settlement. The technical solution processes both medical insurance reimbursement and commercial insurance claims during settlement. After settlement, the user no longer needs to take the consumption receipt to the commercial insurance company for commercial insurance claims, which simplifies the process and improves efficiency.

[0105] The present application also provides a computer-readable storage medium storing a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, Figure 2A or Figure 2B For the settlement methods provided in each step, please refer to the implementation methods provided in the above steps for details, which will not be repeated here.

[0106] The computer-readable storage medium may be an internal storage unit of the settlement device or the terminal device provided in any of the aforementioned embodiments, such as a hard disk or memory of an electronic device. The computer-readable storage medium may also be an external storage device of the electronic device, such as a plug-in hard disk, a smart memory card (smart media card, SMC), a secure digital (secure digital, SD) card, a flash card (flash card), etc. equipped on the electronic device. Further, the computer-readable storage medium may also include both an internal storage unit of the electronic device and an external storage device. The computer-readable storage medium is used to store the computer program and other programs and data required by the electronic device. The computer-readable storage medium may also be used to temporarily store data that has been output or is to be output.

[0107] The terms "including" and "having" in the claims, specification and drawings of the present application and any of their variations are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but optionally includes steps or units that are not listed, or optionally includes other steps or units inherent to these processes, methods, products or devices. Mentioning "embodiment" in this article means that the specific features, structures or characteristics described in conjunction with the embodiment may be included in at least one embodiment of the present application. Displaying the phrase at various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein can be combined with other embodiments. The term "and / or" used in the specification and the attached claims of the present application refers to any combination of one or more of the items listed in association and all possible combinations, and includes these combinations.

[0108] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application. The methods and related devices provided in the embodiments of the present application are described with reference to the method flow charts and / or structural schematic diagrams provided in the embodiments of the present application. Specifically, each process and / or box of the method flow charts and / or structural schematic diagrams, as well as the combination of processes and / or boxes in the flow charts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that instructions executed by the processor of a computer or other programmable data processing device generate instructions for implementing the functions in the process. Figure 1 Schematic diagram of one or more processes and / or structures Figure 1 These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing device to work in a specific way, so that the instructions stored in the computer-readable memory produce a product including an instruction device, which implements the functions specified in the process. Figure 1 Schematic diagram of one or more processes and / or structures Figure 1These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operation steps are executed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide for implementing the process in the process. Figure 1 A flow or multiple flows and / or structures illustrate the steps of the functions specified in one block or multiple blocks.

Claims

1. A method for settling medical expenses. It is characterized in that The method is applied to a medical expense settlement system, which includes a settlement device, a medical insurance system, and a commercial insurance system. The settlement device communicates with the medical insurance system and the commercial insurance system through a network. The method includes the following steps: The settlement device obtains user information of the user to be paid, wherein the user information includes user identity information and consumption information; The settlement device sends the user identity information and the consumption information to the medical insurance system; The medical insurance system determines the reimbursement amount of the user by the medical insurance according to the medical insurance policy, the user's insurance information and the consumption information, and sends the reimbursement expense information to the settlement device, wherein the reimbursement expense information includes the reimbursement amount of the user by the medical insurance; The settlement device obtains the reimbursement expense information of the user corresponding to the user identity information fed back by the medical insurance system; The settlement device obtains information on requesting for synchronously obtaining commercial insurance claims from the commercial insurance that the user to be paid has participated in; The settlement device sends the user identity information, the reimbursement expense information and the consumption information to a commercial insurance system, where the commercial insurance system is a system corresponding to the commercial insurance business in which the user to be paid has participated and the user to be paid requests to obtain commercial insurance claims simultaneously; The commercial insurance system queries the user's insurance contract according to the user identity information, determines the commercial insurance claim amount according to the insurance contract, the consumption information and the reimbursement expense information, and sends the commercial insurance claim information to the settlement device, wherein the commercial insurance claim information includes the commercial insurance claim amount; The settlement device obtains the commercial insurance claim information; The settlement device determines the amount that the user to be paid should pay based on the consumption information, the reimbursement expense information, and the commercial insurance claim information.

2. The method according to claim 1, It is characterized in that The obtaining of user information of the user to be paid includes: Acquire the identity information of the user to be paid through the collection device; The consumption information of the user to be paid is obtained from a database according to the identity information.

3. The method according to claim 1, It is characterized in that The determining the amount to be paid by the user to be paid according to the consumption information, the reimbursement expense information, and the commercial insurance claim settlement information includes: The balance after deducting the amount of reimbursement from the amount of consumption and the amount of commercial insurance claim is determined as the amount to be paid by the user to be paid. The consumption amount is determined by the consumption information, the amount of reimbursement is determined by the reimbursement information, and the amount of commercial insurance claim is determined by the commercial insurance claim information.

4. The method according to any one of claims 1 to 3, It is characterized in that Before sending the user identity information, the expense reimbursement information, and the consumption information to the commercial insurance system, the method further includes: The verification information of the user to be paid is obtained according to preset verification conditions, and the identity of the user to be paid is verified according to the verification information.

5. A medical expense settlement system, It is characterized in that The system includes a settlement device, a medical insurance system and a commercial insurance system, and the settlement device communicates with the medical insurance system and the commercial insurance system through a network; The settlement device is used to obtain user information of the user to be paid, and the user information includes user identity information and consumption information; The settlement device is also used to send the user identity information and the consumption information to the medical insurance system; The medical insurance system is used to determine the reimbursement amount of the user by the medical insurance according to the medical insurance policy, the user's insurance information and the consumption information, and send the reimbursement expense information to the settlement device, wherein the reimbursement expense information includes the reimbursement amount of the user by the medical insurance; The settlement device is used to obtain the reimbursement expense information of the user corresponding to the user identity information fed back by the medical insurance system; The settlement device is used to obtain information on requesting simultaneous acquisition of commercial insurance claims from the commercial insurance that the user to be paid has participated in; The settlement device is used to send the user identity information, the reimbursement expense information and the consumption information to a commercial insurance system, wherein the commercial insurance system is a system corresponding to the commercial insurance business in which the user to be paid has participated in the insurance and the user to be paid requests to obtain commercial insurance claims simultaneously; The commercial insurance system is used to query the user's insurance contract according to the user identity information, determine the commercial insurance claim amount according to the insurance contract, the consumption information and the reimbursement expense information, and send the commercial insurance claim information to the settlement device, wherein the commercial insurance claim information includes the commercial insurance claim amount; The settlement device is used to obtain the commercial insurance claim information; The settlement device is used to determine the amount that the user to be paid should pay based on the consumption information, the reimbursement expense information, and the commercial insurance claim information.

6. The system according to claim 5, It is characterized in that The settlement device is specifically used to obtain the identity information of the user to be paid through the collection device; and obtain the consumption information of the user to be paid from the database according to the identity information.

7. The system according to claim 5, It is characterized in that The settlement device is specifically used to determine the balance after deducting the amount of reimbursement from the amount of consumption and the amount of commercial insurance claim as the amount to be paid by the user to be paid, the consumption amount is determined by the consumption information, the amount of reimbursement is determined by the reimbursement information, and the amount of commercial insurance claim is determined by the commercial insurance claim information.

8. A terminal device, It is characterized in that It includes a processor, a memory, a communication interface and a bus, wherein the processor, the memory and the communication interface are coupled and connected via the bus, wherein the memory is used to store a computer program, and the computer program includes program instructions. The processor communicates with an external system via the communication interface, and the processor is configured to call the program instructions to execute the medical expense settlement method as described in any one of claims 1 to 4.

9. A computer-readable storage medium, It is characterized in that The computer storage medium stores a computer program, which includes program instructions. When the program instructions are executed by a processor, the processor executes the medical expense settlement method according to any one of claims 1 to 4.

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