Method, apparatus and system for medical expense payment

Abstract

Embodiments of the present specification disclose a medical expense payment method, device and system, wherein the method initiates a calling request when receiving a request of a target user for using medical insurance to pay medical expenses, collects preset biological feature information of the target user to perform identity authentication on the target user; when the identity authentication of the target user is passed, a medical insurance payment voucher generated based on a medical insurance electronic voucher of the target user is obtained; and the medical insurance payment voucher of the target user is transmitted to a medical institution cash register system, so that the medical institution cash register system queries medical insurance information of the target user according to the medical insurance payment voucher, and settles the medical expenses this time based on the queried medical insurance information.

Description

[0001] This application is a divisional application of patent application No. 202010287844.4, filed on April 10, 2020, entitled "Method, Apparatus and System for Medical Expense Payment". Technical Field

[0002] This application relates to the field of computer technology, and in particular to a method, apparatus and system for medical expense payment. Background Technology

[0003] Medical insurance, or social medical insurance, is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical care to workers within the coverage area when they fall ill. With the development of medical technology, the improvement of people's economic level, and the enhancement of insured persons' awareness of safety and health, medical expenses are constantly rising, and the use of medical insurance to pay for medical expenses is becoming more and more common.

[0004] However, during the process of using medical insurance to pay for medical expenses, irregularities such as proxy spending, theft, and fraudulent claims often occur, which undermine the safe and healthy operation of the medical insurance fund and require measures to be taken for supervision. Summary of the Invention

[0005] This specification provides a method, device, and system for medical expense payment to prevent non-compliant use of medical insurance and ensure the safe and healthy operation of the medical insurance fund.

[0006] To solve the above-mentioned technical problems, the embodiments in this specification are implemented as follows:

[0007] Firstly, a method for medical expense payment is proposed, including:

[0008] In response to a call request initiated by the medical institution's POS system when it receives a request from a target user to pay medical expenses using medical insurance, the system collects the target user's preset biometric information to authenticate the target user's identity.

[0009] When the target user's identity authentication is successful, the target user's medical insurance payment voucher is obtained, wherein the medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information;

[0010] The medical insurance payment voucher of the target user is transmitted to the medical institution's cashier system, so that the medical institution's cashier system can query the target user's medical insurance information based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

[0011] Secondly, a medical expense payment method is proposed, including:

[0012] In response to a target user's request to use medical insurance to pay for medical expenses, a preset IoT device is invoked to collect the target user's preset biometric information in order to authenticate the target user's identity.

[0013] The system receives the medical insurance payment voucher of the target user sent by the preset IoT device. The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0014] The medical insurance information of the target user is retrieved based on the medical insurance payment voucher, and the medical expenses are settled based on the medical insurance information.

[0015] Thirdly, a medical expense payment method is proposed, including:

[0016] In response to a target user's request to pay medical expenses using medical insurance, the medical institution's POS system calls a preset IoT device to collect the target user's preset biometric information in order to authenticate the target user's identity.

[0017] When the target user's identity authentication is successful, the preset IoT device acquires the target user's medical insurance payment voucher and transmits it to the medical institution's POS system. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0018] The medical institution's POS system queries the target user's medical insurance information based on the medical insurance payment voucher and settles the medical expenses based on the medical insurance information.

[0019] Fourthly, a medical expense payment device is proposed, comprising:

[0020] The first response module is used to respond to the call request initiated by the medical institution's POS system when it receives a request from a target user to pay medical expenses using medical insurance, and to collect the target user's preset biometric information to authenticate the target user's identity.

[0021] The medical insurance payment voucher acquisition module is used to acquire the medical insurance payment voucher of the target user when the target user's identity authentication is successful. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0022] The settlement request module is used to transmit the medical insurance payment voucher of the target user to the medical institution's cashier system, so that the medical institution's cashier system can query the medical insurance information of the target user based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

[0023] Fifthly, a medical expense payment device is proposed, comprising:

[0024] The calling module is used to respond to the target user's request to use medical insurance to pay medical expenses, and to call a preset IoT device to collect the target user's preset biometric information in order to authenticate the target user's identity;

[0025] The first receiving module is used to receive the medical insurance payment voucher of the target user sent by the preset IoT device, wherein the medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful, the medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, and the electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information;

[0026] The settlement module is used to query the target user's medical insurance information based on the medical insurance payment voucher, and to settle the medical expenses based on the medical insurance information.

[0027] Sixthly, a medical expense payment system is proposed, comprising: a medical institution's POS system and pre-installed IoT devices, wherein...

[0028] The preset IoT device is used to respond to the medical institution's POS system's call request when it receives a request from a target user to pay medical expenses using medical insurance, collect the target user's preset biometric information to authenticate the target user's identity; when the target user's identity authentication is successful, obtain the target user's medical insurance payment voucher and transmit it to the medical institution's POS system, wherein the medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information;

[0029] The medical institution's POS system is used to respond to a target user's request to pay medical expenses using medical insurance by calling the preset IoT device to collect the target user's preset biometric information for identity authentication; receiving the target user's medical insurance payment voucher sent by the preset IoT device; querying the target user's medical insurance information based on the medical insurance payment voucher; and settling the medical expenses based on the medical insurance information.

[0030] Seventhly, an electronic device is proposed, comprising:

[0031] Processor; and

[0032] A memory configured to store computer-executable instructions, which, when executed, cause the processor to perform the following operations:

[0033] In response to a call request initiated by the medical institution's POS system when it receives a request from a target user to pay medical expenses using medical insurance, the system collects the target user's preset biometric information to authenticate the target user's identity.

[0034] When the target user's identity authentication is successful, the target user's medical insurance payment voucher is obtained, wherein the medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information;

[0035] The medical insurance payment voucher of the target user is transmitted to the medical institution's cashier system, so that the medical institution's cashier system can query the target user's medical insurance information based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

[0036] Eighthly, a computer-readable storage medium is provided that stores one or more programs, which, when executed by an electronic device including multiple applications, cause the electronic device to perform the following operations:

[0037] In response to a call request initiated by the medical institution's POS system when it receives a request from a target user to pay medical expenses using medical insurance, the system collects the target user's preset biometric information to authenticate the target user's identity.

[0038] When the target user's identity authentication is successful, the target user's medical insurance payment voucher is obtained, wherein the medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information;

[0039] The medical insurance payment voucher of the target user is transmitted to the medical institution's cashier system, so that the medical institution's cashier system can query the target user's medical insurance information based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

[0040] Ninthly, an electronic device is proposed, comprising:

[0041] Processor; and

[0042] A memory configured to store computer-executable instructions, which, when executed, cause the processor to perform the following operations:

[0043] In response to a target user's request to use medical insurance to pay for medical expenses, a preset IoT device is invoked to collect the target user's preset biometric information in order to authenticate the target user's identity.

[0044] The system receives the medical insurance payment voucher of the target user sent by the preset IoT device. The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0045] The medical insurance information of the target user is retrieved based on the medical insurance payment voucher, and the medical expenses are settled based on the medical insurance information.

[0046] In a tenth aspect, a computer-readable storage medium is provided that stores one or more programs, which, when executed by an electronic device including multiple applications, cause the electronic device to perform the following operations:

[0047] In response to a target user's request to use medical insurance to pay for medical expenses, a preset IoT device is invoked to collect the target user's preset biometric information in order to authenticate the target user's identity.

[0048] The system receives the medical insurance payment voucher of the target user sent by the preset IoT device. The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0049] The medical insurance information of the target user is retrieved based on the medical insurance payment voucher, and the medical expenses are settled based on the medical insurance information.

[0050] The technical solution provided in the embodiments of this specification, upon receiving a request from a target user to pay medical expenses using medical insurance, collects and uses the target user's preset biometric information to authenticate the target user's identity. Upon successful authentication, a medical insurance payment voucher generated based on the target user's electronic medical insurance voucher is obtained. Then, the payment of medical expenses is completed based on the target user's medical insurance payment voucher. This scheme, which authenticates the target user's identity using preset biometric information before medical insurance settlement, ensures that the target user can only use their own medical insurance to pay medical expenses, preventing proxy use, theft of other people's medical insurance, and fraudulent insurance claims. It truly achieves identity verification, thereby avoiding non-compliant medical insurance usage, helping medical insurance management agencies to achieve reasonable control of medical insurance expenses, and ensuring the safe and healthy operation of the medical insurance fund. Attached Figure Description

[0051] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0052] Figure 1 This is a schematic diagram of the architecture of a medical expense payment system provided in the embodiments of this specification.

[0053] Figure 2 This is a flowchart illustrating the medical expense payment method provided in the embodiments of this specification.

[0054] Figure 3 This is another schematic diagram of the medical expense payment method provided in the embodiments of this specification.

[0055] Figure 4 This is a schematic diagram of multi-terminal interaction in the medical expense payment method provided in the embodiments of this specification.

[0056] Figure 5 This is a detailed flowchart illustrating a medical expense payment method provided in the embodiments of this specification.

[0057] Figure 6 This is a schematic diagram of the structure of a medical expense payment system provided in the embodiments of this specification.

[0058] Figure 7 This is a schematic diagram of the structure of an electronic device provided in the embodiments of this specification.

[0059] Figure 8 This is a schematic diagram of the medical expense payment device provided in the embodiments of this specification.

[0060] Figure 9 This is another structural schematic diagram of the medical expense payment device provided in the embodiments of this specification. Detailed Implementation

[0061] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions of this application will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of them. Based on the embodiments in this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0062] To prevent irregular medical insurance use such as proxy spending, fraudulent spending, and insurance fraud, and to ensure the safe and healthy operation of the medical insurance fund, this manual provides a medical expense payment method, device, and system.

[0063] Figure 1 This is a schematic diagram of the architecture of a medical expense payment system provided as an embodiment of this specification. Figure 1 As shown, the system includes: a medical institution POS system 1, pre-installed IoT devices 2, a medical insurance management system 3, a server 4, and a client 5.

[0064] Medical institutions include, but are not limited to, hospitals, physical examination centers, and pharmacies designated by medical insurance. Figure 1 The medical institution POS system 1 may include a back-end server 11 and a POS terminal 12. The POS terminal 12 may be a hospital's self-service payment terminal or a pharmacy's POS computer. The medical institution POS system 1 has both medical insurance POS and self-pay POS functions.

[0065] Figure 1 The pre-set Internet of Things (IoT) device 2 refers to a device with the function of authenticating user identity based on pre-set biometric information through a pre-set authorized platform, and managing the user's electronic medical insurance voucher. The electronic medical insurance voucher is an online electronic voucher generated based on the insured person's medical insurance information and is officially supervised by the National Healthcare Security Administration; it is the insured person's unique online identity credential. With the electronic medical insurance voucher, the insured person can "see a doctor without a card, only using the medical insurance code." The pre-set authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system, such as a pre-set online payment platform (or pre-set electronic payment platform). In a detailed example, if the pre-set authorized platform is a pre-set online payment platform, then the pre-set IoT device could be a facial recognition payment device promoted by that pre-set online payment platform. It interacts with the server 4 of the pre-set authorized platform to achieve user identity authentication and automatic payment of user bills after successful authentication.

[0066] The POS terminal 12 in the medical institution POS system 1 can be regarded as the host computer of the preset IoT device 2. The POS terminal 12 can communicate and interact with the preset IoT device 2.

[0067] Figure 1 The medical insurance management system 3 in the context of the text can be a medical insurance management system established by a medical insurance management agency. Specifically, before the national institutional reform, the medical insurance management system 3 could be the medical insurance management system launched by departments such as the Ministry of Human Resources and Social Security (medical insurance), the National Health Commission (New Rural Cooperative Medical Scheme), and the Ministry of Civil Affairs (major illness relief). With the reform of national institutions, the original functions of the Ministry of Human Resources and Social Security (medical insurance), the National Health Commission (New Rural Cooperative Medical Scheme), and the Ministry of Civil Affairs (major illness relief) were integrated to form the independently operating National Healthcare Security Administration (NHSA). The NHSA has local healthcare security bureaus under it. Therefore, the medical insurance management system 3 can be a medical insurance management system established by the NHSA or local healthcare security bureaus. Specifically, the medical insurance management system 3 can include a medical insurance settlement system and a medical insurance card system. The medical insurance settlement system can have functional modules such as medical insurance pre-settlement, medical insurance settlement, settlement inquiry, medical insurance cancellation, cancellation inquiry, medical insurance pre-refund, medical insurance refund, refund inquiry, and reconciliation. The medical insurance card system can specifically include functional modules such as account login, medical insurance card binding, account registration, and medical insurance unbinding.

[0068] The medical institution's POS system 1 can communicate with the medical insurance management system 3 via the medical insurance dedicated line network, and the pre-set IoT devices 2 and client 5 can communicate with the server 4 via the Internet.

[0069] Client 5 can include, but is not limited to, portable smart electronic devices such as smartphones, tablets, and wearable devices.

[0070] Target user 6 can complete out-of-pocket and / or medical insurance payments for medical expenses by operating the cashier terminal 12 and the preset IoT device 2 in the medical institution's cashier system 1.

[0071] Figure 2 This is a flowchart illustrating a medical expense payment method as one embodiment of this specification. Figure 2 The method shown can be applied to Figure 1 In the preset IoT device 2 shown, in practical applications, this method can be implemented by a program installed in the preset IoT device 2. For example... Figure 2 As shown, the method may include:

[0072] Step 202: When the medical institution's POS system receives a request from the target user to pay for medical expenses using medical insurance, it collects the target user's preset biometric information to authenticate the target user's identity.

[0073] The target user can be any user who initiates a request to use medical insurance to pay for medical expenses through the medical institution's POS system, such as any patient who uses the hospital's self-service POS terminal to pay for medical expenses.

[0074] The preset biometric information includes, but is not limited to, at least one of the following: facial image information, finger vein information, and iris information.

[0075] As an example, collecting preset biometric information of the target user for identity authentication may specifically include: collecting the target user's preset biometric information and sending it to the server of a preset authorized platform, so that the server can authenticate the target user based on the preset biometric information of registered users on the preset authorized platform and the target user's preset biometric information. For example, assuming the preset IoT device is a facial recognition payment device of a preset online payment platform, after receiving a call request from the medical institution's POS system, it collects the target user's facial image information and sends it to the server of the preset online payment platform. The server then compares the target user's facial image information with the facial images of registered users to obtain the target user's facial authentication result and feeds it back to the preset IoT device.

[0076] Optionally, since the server of the pre-authorized platform also maintains the correspondence between the registered user's account information (such as mobile phone number and payment code), pre-defined biometric information (such as facial image information) and identity information (such as ID card number), the server of the pre-authorized platform will send the target user's account information and identity information back to the pre-defined IoT device when the target user's identity authentication is successful, so that the target user can confirm.

[0077] Step 204: When the target user's identity authentication is successful, obtain the target user's medical insurance payment voucher. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0078] The medical insurance payment voucher for the target user can be a graphic code generated from the target user's electronic medical insurance voucher, such as a QR code; or, the target user's medical insurance payment voucher can be the target user's electronic medical insurance voucher itself; or, the target user's medical insurance payment voucher can also be a dynamic code value in string form that conforms to the standards of the National Healthcare Security Administration, such as a token that conforms to the standards of the National Healthcare Security Administration, generated from the target user's electronic medical insurance voucher.

[0079] Once the target user's identity is verified, the pre-set IoT device can obtain the target user's medical insurance payment voucher in two ways.

[0080] The first method is to determine the target user's identity information (which may be returned by the server of the preset authorized platform) when the target user's identity authentication is successful; based on the target user's identity information, obtain the target user's medical insurance payment voucher from the server of the preset authorized platform again.

[0081] The second method: When the target user's identity authentication is successful, determine the target user's identity information (which may be returned by the server of the preset authorized platform); send the target user's identity information to the server of the preset authorized platform so that the server can determine the target user's medical insurance payment voucher based on the target user's identity information, and send the target user's medical insurance payment voucher to the client corresponding to the target user (such as client 5 in 1); then obtain the target user's medical insurance payment voucher by scanning the medical insurance payment voucher displayed in the client. At this time, the medical insurance payment voucher may be a graphic code generated based on the target user's electronic medical insurance voucher, such as a QR code.

[0082] In both of the above methods, the server of the pre-authorized platform can generate the medical insurance payment voucher for the target user based on the target user's electronic medical insurance voucher under the authorization of the medical insurance management agency; the server of the pre-authorized platform can also request the medical insurance management system to generate the target user's medical insurance payment voucher based on the target user's electronic medical insurance voucher and then feed it back to the server of the pre-authorized platform.

[0083] It is understandable that when a request is received from a target user to pay for medical expenses using medical insurance, the system collects and uses the target user's preset biometric information to authenticate the target user's identity. Upon successful authentication, the system obtains a medical insurance payment voucher generated based on the target user's electronic medical insurance voucher. This ensures that the target user can only use their own medical insurance to pay for medical expenses and cannot use someone else's medical insurance on their behalf, steal or misuse their medical insurance, or engage in fraudulent insurance activities, thus truly achieving identity verification.

[0084] Based on step 204, optionally, when the target user's identity authentication fails, the preset IoT device can determine that the target user has not registered an account on the preset authorized platform, or that the target user is not a registered user of the preset authorized platform. In this case, the target user can be guided to register an account on the preset authorized platform so that the target user becomes a registered user of the preset authorized platform.

[0085] Specifically, guiding target users to register an account on a pre-authorized platform may include: displaying the registration page of the pre-authorized platform; responding to the registration request initiated by the target user on the registration page, and sending the target user's identity information, pre-defined biometric information, and registration account information carried in the registration request to the server of the pre-authorized platform, so that the server generates a registration account for the target user on the pre-authorized platform and saves the target user's account, identity information, and pre-defined biometric information accordingly.

[0086] It is understandable that when the target user is not a registered user of the pre-authorized platform, guiding the user to register through the pre-designed IoT device can achieve the goal of making it convenient for the target user to automatically complete medical insurance payment using the pre-designed biometric identification, and can also achieve the goal of attracting new users to the pre-authorized platform, thus killing two birds with one stone.

[0087] Optionally, before obtaining the target user's medical insurance payment voucher, Figure 2 The method may further include: determining whether the target user's electronic medical insurance voucher is activated; if activated, then proceeding to obtain the target user's medical insurance payment voucher; if not activated, then guiding the target user to activate the electronic medical insurance voucher in a preset authorized platform. It should be understood that, generally, after generating an electronic medical insurance voucher for an insured person, the medical insurance management agency requires the user to actively activate it before it can be used in place of a traditional physical medical insurance card.

[0088] The process of guiding target users to activate their electronic medical insurance vouchers on a pre-authorized platform via pre-set IoT devices may include: displaying an activation page for the electronic medical insurance voucher; responding to an activation request initiated by the target user on the activation page, sending the target user's identity information to the server of the pre-authorized platform, so that the server activates the electronic medical insurance voucher pre-generated by the medical insurance management system based on the target user's identity information, specifically activating the electronic medical insurance voucher corresponding to the identity information. More specifically, since more and more users are using online payment tools for online payments, medical insurance management agencies can authorize pre-set online payment platforms to complete the activation of users' electronic medical insurance vouchers.

[0089] Generally, when a target user registers an account or activates their electronic medical insurance certificate, the identity information provided is the target user's real-name authentication information, such as images of the front and back of their ID card.

[0090] Step 206: Transmit the target user's medical insurance payment voucher to the medical institution's POS system so that the medical institution's POS system can query the target user's medical insurance information based on the medical insurance payment voucher and settle the medical expenses based on the queried medical insurance information.

[0091] Specifically, the pre-set IoT device can transmit the target user's medical insurance payment voucher to the medical institution's POS system, so that the medical institution's POS system can send the medical insurance payment voucher to the medical insurance management system, and perform medical insurance pre-settlement based on the current medical expense list and the medical insurance information corresponding to the medical insurance payment voucher returned by the medical insurance management system; then, it receives the pre-settlement result returned by the medical institution's POS system, and initiates a settlement request to the medical institution's POS system based on the pre-settlement result to complete the payment of the current medical expenses.

[0092] For example, after receiving a medical insurance payment voucher—a QR code—from a pre-set IoT device, the medical institution's POS system parses it to obtain the code value of the target user's medical insurance payment voucher. Then, it transmits the code value of the target user's medical insurance payment voucher to the medical insurance management system in exchange for the medical insurance information of the target user corresponding to the medical insurance payment voucher. Based on the current medical expense list and the medical insurance information of the target user returned by the medical insurance management system, it performs medical insurance pre-settlement and obtains the pre-settlement result.

[0093] The medical expense list may include payable items, the out-of-pocket amount and medical insurance amount for each payable item, and the total payment, etc. Medical insurance information includes, but is not limited to, the insured person's name, insured person ID, ID card information, place of insurance, current personal account balance, monthly contribution base, cumulative number of months of contribution, and total medical insurance payment for the year, etc. The pre-settlement result includes the target user's medical insurance account balance, the amount available for medical insurance payment this time, the out-of-pocket amount this time, etc. The pre-settlement result can be considered a settlement result in form but without actual deductions.

[0094] The medical expenses in question are the medical expenses that the payment request in step 202 requires to be paid.

[0095] In one example, if the pre-settlement result includes out-of-pocket expenses, the pre-settlement result is displayed. Upon the user confirming payment, in response to the user's confirmation based on the pre-settlement result, a out-of-pocket settlement request is sent to the medical institution's POS system to complete the payment of the out-of-pocket amount in this medical expense. This out-of-pocket settlement request instructs the medical institution's POS system to complete the payment of the out-of-pocket amount in the budget result based on the user's payment code. The user's payment code is carried in the out-of-pocket settlement request and is determined based on the user's account registered on a preset authorized platform during successful user authentication. In this case, the preset authorized platform is a preset online payment platform.

[0096] It's understandable that when the pre-settlement result includes out-of-pocket expenses, showing the pre-settlement result to the user and then processing the payment after the user confirms the payment can improve the user experience.

[0097] In another example, if the medical insurance payment amount included in the pre-settlement result is greater than the preset amount, the pre-settlement result is displayed; and when the user confirms the payment, in response to the user's confirmation of payment based on the pre-settlement result, a medical insurance settlement request is sent to the medical institution's POS system to complete the payment of the medical insurance payment amount in this medical expense; wherein, the medical insurance settlement request is used to request the medical institution's POS system to use medical insurance to complete the payment of the medical insurance payment amount in the pre-settlement result.

[0098] In the third example, if the pre-settlement result does not include out-of-pocket expenses and the medical insurance payment amount included in the pre-settlement result is less than or equal to the preset amount, a medical insurance settlement request is sent to the medical institution's cashier system to complete the payment of this medical expense; wherein, the medical insurance settlement request is used to request the medical institution's cashier system to complete the payment of the medical insurance payment amount in the pre-settlement result.

[0099] The preset amount can be flexibly set. It can be regarded as a quick payment threshold. The purpose of setting the preset amount is: when the amount that can be paid by medical insurance in this medical expense is large (exceeding the preset amount), the pre-settlement result is displayed to the target user for confirmation, and the settlement is carried out after the user confirms; when the amount that can be paid by medical insurance in this medical expense is small (not exceeding the preset amount), the pre-settlement result does not need to be displayed to the user, and the settlement request can be initiated directly to settle the expense, so as to enhance the user experience.

[0100] Optionally, based on step 206, Figure 2 The method shown may also include displaying the payment result for this medical expense to further enhance the user experience.

[0101] Optionally, based on step 206, Figure 2 The method shown may also include: sending the medical expense payment record to the target user's client (e.g., ...). Figure 1 The client shown in Figure 5) is provided for the target user to review afterward.

[0102] This specification provides a medical expense payment method. Upon receiving a request from a target user to pay medical expenses using medical insurance, the method collects and uses the target user's preset biometric information to authenticate the user's identity. Upon successful authentication, a medical insurance payment voucher generated based on the target user's electronic medical insurance certificate is obtained. The payment for the medical expenses is then completed based on this voucher. This scheme, which authenticates the target user's identity using preset biometric information before medical insurance settlement, ensures that the target user can only use their own medical insurance to pay for medical expenses. It prevents proxy use, theft of other people's medical insurance, and insurance fraud, truly achieving identity verification. This avoids non-compliant medical insurance usage, helps medical insurance management agencies achieve reasonable control of medical insurance expenses, and ensures the safe and healthy operation of the medical insurance fund.

[0103] Figure 3 This is a flowchart illustrating a medical expense payment method as another embodiment of this specification. Figure 3 The method shown can be applied to Figure 1 In the medical institution POS system 1 shown, in practical applications, this method can be implemented by a mini-program installed in the POS terminal 12. For example... Figure 3 As shown, the method may include:

[0104] Step 302: In response to the target user's request to use medical insurance to pay for medical expenses, call the preset IoT device to collect the target user's preset biometric information to authenticate the target user's identity.

[0105] Step 304: Receive the medical insurance payment voucher of the target user sent by the preset IoT device. The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0106] Step 306: Query the target user's medical insurance information based on the medical insurance payment voucher, and based on the medical insurance information...

[0107] Settle the medical expenses for this transaction.

[0108] Specifically, the medical institution's POS system can send the medical insurance payment voucher to the medical insurance management system, and perform pre-settlement of medical insurance based on the current medical expense list and the medical insurance information corresponding to the payment voucher returned by the medical insurance management system.

[0109] The system calculates the pre-settlement results and then feeds them back to the preset IoT device. Based on the pre-settlement results, the system makes a settlement request to complete the payment of the medical expenses.

[0110] As an example, the payment of medical expenses is completed based on a settlement request made by a preset IoT device in response to the pre-settlement result. This includes: receiving a self-pay settlement request sent by the preset IoT device when the pre-settlement result includes out-of-pocket expenses; and responding to the self-pay settlement request by completing the payment of the out-of-pocket amount in the budget result based on the target user's payment code.

[0111] In the process, the target user's payment code is carried in the self-payment settlement request, and the payment code is determined based on the account registered by the target user on the preset authorized platform 0. At this time, the preset authorized platform is the preset online payment platform.

[0112] As another example, the payment of medical expenses is completed based on a settlement request made by a preset IoT device in response to the pre-settlement result, including: receiving a medical insurance settlement request sent by the preset IoT device when the pre-settlement result includes a medical insurance payment amount; and responding to the medical insurance settlement request by using medical insurance to complete the payment of the medical insurance payment amount in the pre-settlement result.

[0113] Figure 3 The medical expense payment method provided in the illustrated embodiment is similar to Figure 2 The method shown corresponds to and achieves the same technical effect as 5. Related content can be found at [reference]. Figure 2 The methods shown will not be elaborated further.

[0114] Figure 4 This specification provides a multi-terminal interaction diagram of a medical expense payment method according to another embodiment of the present invention. Figure 4 The method shown can be applied to include Figure 1 The system shown includes a medical institution POS system 1 and a pre-set IoT device 2.

[0115] like Figure 4 As shown, the method may include:

[0116] Step 401: The medical institution's POS system 1 responds to the target user's request to pay medical expenses using medical insurance by calling the preset IoT device 2.

[0117] Step 402: Preset IoT device 2 collects preset biometric information of the target user to authenticate the target user's identity.

[0118] Step 403: After the target user's identity is successfully authenticated, obtain the target user's medical insurance payment voucher. The target user's medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0119] Step 404: Preset IoT device 2 transmits the target user's medical insurance payment voucher to the medical institution's POS system 1.

[0120] Step 405: The medical institution's POS system 1 sends the target user's medical insurance payment voucher to the medical insurance management system 3.

[0121] Step 406: The medical insurance management system 3 returns the medical insurance information corresponding to the medical insurance payment voucher (the medical insurance information of the target user) based on the target user's medical insurance payment voucher.

[0122] Step 407: The medical institution's POS system 1 performs a medical insurance pre-settlement of the medical expenses based on the current medical expense list and the aforementioned medical insurance information, and obtains the pre-settlement result.

[0123] Step 408: The medical institution's POS system 1 sends the pre-settlement result to the preset IoT device 2.

[0124] Step 409: The preset IoT device 2 initiates a settlement request to the medical institution's cashier system 1 based on the pre-settlement result.

[0125] Step 410: The medical institution's POS system 1 completes the payment of this medical expense based on the above settlement request.

[0126] Figure 4 The medical expense payment method provided in the illustrated embodiment is similar to Figure 2 and Figure 3 The methods shown correspond to and achieve the same technical effects; relevant content can be found at [reference]. Figure 2 and Figure 3 The methods shown will not be elaborated further.

[0127] The following is combined Figure 5 This specification describes a medical expense payment method through a more detailed and specific embodiment. Figure 5 In the illustrated embodiment, the preset IoT device connected to the POS terminal in the medical institution's POS system is a facial recognition payment device from a preset online payment platform. For example... Figure 5 As shown, the method may include:

[0128] Step 501: The target user initiates a medical expense payment request.

[0129] For example, a target user selects facial recognition payment for medical insurance at the POS terminal in a medical institution's POS system to initiate a medical expense payment request.

[0130] Step 502: If the medical expenses include an amount that can be paid by medical insurance, the medical institution's cashier system responds to the payment request, calls the facial recognition payment device, and proceeds to step 504; if the medical expenses are entirely out-of-pocket, then step 503 is executed.

[0131] Step 503: Settlement is completed by the medical institution's POS system.

[0132] Step 504: Activate the facial recognition payment mini-program on the facial recognition payment device.

[0133] Step 505: Collect facial image information.

[0134] Step 506: The target user faces the camera of the facial recognition payment device for facial authentication.

[0135] Step 507: The facial recognition payment device determines the facial authentication result. If successful, proceed to step 508; if an error occurs, proceed to step 509.

[0136] Step 508: The facial recognition payment device displays the target user's account registered on a preset online payment platform for the target user to confirm, then proceeds to step 510.

[0137] Step 509: The facial recognition payment device reports an authentication error. If authentication fails, the target user is prompted to face the camera of the facial recognition payment device again.

[0138] Step 510: The facial recognition payment device returns the target user's identity information to the medical institution's POS system, then proceeds to step 511.

[0139] Step 511: The facial recognition payment device determines whether the target user's electronic medical insurance certificate is activated. If not, proceed to step 512; if yes, proceed to step 513; if an error occurs, proceed to step 514.

[0140] Step 512: The target user activates their electronic medical insurance certificate under the guidance of the facial recognition payment device and returns to step 511.

[0141] Step 513: The facial recognition payment device obtains the target user's medical insurance payment voucher, and proceeds to step 515.

[0142] Step 514: The facial recognition payment device reports an error.

[0143] Step 515: The medical institution's POS system parses the target user's medical insurance payment voucher to obtain the value, and sends the value of the target user's medical insurance payment voucher to the medical insurance management system in exchange for the medical insurance information corresponding to the value of the medical insurance payment voucher.

[0144] Step 516: The medical insurance management system returns the medical insurance information corresponding to the value of the medical insurance payment voucher.

[0145] Step 517: The medical institution's POS system initiates a pre-settlement request to the medical insurance management system based on the current medical expense list and medical insurance information.

[0146] Step 518: The medical insurance management system performs medical insurance pre-settlement, obtains the pre-settlement results, and feeds them back to the medical institution's cashier system.

[0147] Step 519: The medical institution's POS system sends the pre-settlement result to the facial recognition payment device.

[0148] Step 520: The facial recognition payment device receives the pre-settlement result. If an error occurs, proceed to step 514; otherwise, proceed to step 521.

[0149] Step 521: The facial recognition payment device determines whether the pre-settlement result contains self-payment information. If yes, proceed to step 523; otherwise, proceed to step 522.

[0150] Step 522: The facial recognition payment device determines whether the medical insurance payment amount in the budget result is greater than the preset amount. If yes, proceed to step 523; otherwise, proceed to step 527.

[0151] Step 523: Display the pre-settlement results.

[0152] Step 524: The facial recognition payment device responds to the target user's confirmation payment operation based on the pre-settlement result. If the pre-settlement result does not include out-of-pocket expenses (full medical insurance), then proceed directly to step 527; if the pre-settlement result includes out-of-pocket expenses, then proceed to step 525.

[0153] Step 525: The facial recognition payment device initiates a medical insurance settlement request and a self-pay settlement request to the medical institution's cashier system. The self-pay settlement request carries the target user's payment code. Then proceed to step 526.

[0154] Step 526: The medical institution's POS system responds to the out-of-pocket payment request and completes the payment of the out-of-pocket amount in the budget result based on the target user's payment code.

[0155] This payment code corresponds to the account registered by the target user on a pre-set online payment platform.

[0156] Step 527: The medical institution's POS system responds to the medical insurance settlement request and uses medical insurance to complete the payment of the medical insurance payment amount in the pre-settlement result.

[0157] Step 528: The facial recognition payment device receives and displays the payment result from the medical institution's POS system.

[0158] This completes the payment of the medical expenses.

[0159] Figure 5The medical expense payment method shown involves collecting and authenticating the target user's facial image information upon receiving a request to use medical insurance to pay for medical expenses. Upon successful authentication, a medical insurance payment voucher is generated based on the target user's electronic medical insurance certificate. Payment is then completed based on this voucher. This scheme, which authenticates the target user's identity via facial recognition before medical insurance settlement, ensures that the target user can only use their own medical insurance to pay for medical expenses. It prevents proxy use, theft of other people's medical insurance, and fraudulent insurance claims, truly achieving identity verification. This avoids non-compliant medical insurance usage, helps medical insurance management agencies achieve reasonable control over medical insurance costs, and ensures the safe and healthy operation of the medical insurance fund.

[0160] Optionally, if the target user objects to the medical expenses, then... Figure 5 As shown, this method may also include:

[0161] Step 529: The target user initiates a refund request to the medical institution's POS system.

[0162] Step 530: The medical institution's POS system reviews the refund request. This can be done automatically or manually. If the review is approved, proceed to step 531.

[0163] Step 531: The medical institution's POS system processes refunds for medical insurance and / or out-of-pocket expenses.

[0164] Optionally, such as Figure 5 As shown, this method may also include:

[0165] Step 532: The medical institution's POS system should be reconciled. Reconciliation can be performed at certain intervals or at any necessary time to promptly identify incorrect receipts or refunds and take relevant remedial measures to prevent losses to the medical institution or users.

[0166] The above describes the method embodiments provided in this specification. The system provided in this specification will be described below.

[0167] like Figure 6 As shown, another embodiment of this specification also provides a medical expense payment system, which may include a medical institution cashier system 61 and a preset Internet of Things device 62 connected thereto.

[0168] A pre-defined IoT device 62 is used to respond to a request initiated by the medical institution's POS system 61 when it receives a request from a target user to pay medical expenses using medical insurance. This device collects the target user's pre-defined biometric information to authenticate the user. Upon successful authentication, it obtains the target user's medical insurance payment voucher and transmits it to the medical institution's POS system 61. It also receives a pre-settlement result returned by the medical institution's POS system 61 and initiates a settlement request based on this result. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0169] The medical institution's POS system 61 is used to respond to a target user's request to pay medical expenses using medical insurance, call a preset IoT device 62 to collect the target user's preset biometric information to authenticate the target user's identity; receive the target user's medical insurance payment voucher sent by the preset IoT device 62; query the target user's medical insurance information based on the medical insurance payment voucher, and settle the medical expenses based on the medical insurance information.

[0170] Figure 6 The system shown can achieve Figure 4 The method shown can achieve the same technical effect; relevant content can be found at [reference]. Figure 4 The methods shown will not be elaborated further.

[0171] The electronic equipment provided in this manual is described below.

[0172] Figure 7 This is a schematic diagram of the structure of an electronic device provided in one embodiment of this specification. Please refer to it. Figure 7 At the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and memory. The memory may include main memory, such as high-speed random-access memory (RAM), or non-volatile memory, such as at least one disk drive. Of course, the electronic device may also include other hardware required for other business operations.

[0173] The processor, network interface, and memory can be interconnected via an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, or an EISA (Extended Industry Standard Architecture) bus, etc. This bus can be divided into address bus, data bus, control bus, etc. For ease of representation, Figure 7 The symbol is represented by a single double-headed arrow, but this does not mean that there is only one bus or one type of bus.

[0174] Memory is used to store programs. Specifically, programs may include program code, which includes computer operation instructions. Memory may include main memory and non-volatile memory, and provides instructions and data to the processor.

[0175] The processor reads the corresponding computer program from non-volatile memory into main memory and then executes it, forming a medical payment device at the logical level. The processor executes the program stored in memory and specifically performs the following operations:

[0176] In response to a call request initiated by the medical institution's POS system when it receives a request from a target user to pay medical expenses using medical insurance, the system collects the target user's preset biometric information to authenticate the target user's identity.

[0177] When the target user's identity authentication is successful, the target user's medical insurance payment voucher is obtained, wherein the medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information;

[0178] The medical insurance payment voucher of the target user is transmitted to the medical institution's cashier system, so that the medical institution's cashier system can query the target user's medical insurance information based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

[0179] Alternatively, the processor executes the program stored in memory and specifically performs the following operations:

[0180] In response to a target user's request to use medical insurance to pay for medical expenses, a preset IoT device is invoked to collect the target user's preset biometric information in order to authenticate the target user's identity.

[0181] The system receives the medical insurance payment voucher of the target user sent by the preset IoT device. The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0182] The medical insurance information of the target user is retrieved based on the medical insurance payment voucher, and the medical expenses are settled based on the medical insurance information.

[0183] The above is as described in this instruction manual. Figure 2 or Figure 3 The medical expense payment method disclosed in the illustrated embodiments can be applied to or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. During implementation, each step of the above method can be completed by integrated logic circuits in the processor's hardware or by instructions in software form. The processor can be a general-purpose processor, including a Central Processing Unit (CPU), a Network Processor (NP), etc.; it can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components. It can implement or execute the methods, steps, and logic block diagrams disclosed in one or more embodiments of this specification. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the methods disclosed in one or more embodiments of this specification can be directly implemented by a hardware decoding processor, or executed by a combination of hardware and software modules in the decoding processor. The software module can reside in a mature storage medium in the field, such as random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, or registers. This storage medium is located in memory, and the processor reads information from the memory and, in conjunction with its hardware, completes the steps of the above method.

[0184] The electronic device can also perform Figure 2 or Figure 3 The methods for paying medical expenses provided will not be elaborated here.

[0185] Of course, in addition to software implementation, the electronic device described in this specification does not exclude other implementation methods, such as logic devices or a combination of hardware and software. In other words, the execution subject of the following processing flow is not limited to each logic unit, but can also be hardware or logic devices.

[0186] This specification also provides an embodiment of a computer-readable storage medium that stores one or more programs, the programs including instructions that, when executed by a portable electronic device including multiple applications, enable the portable electronic device to perform... Figure 2 The method of the illustrated embodiment is specifically used to perform the following operations:

[0187] In response to a call request initiated by the medical institution's POS system when it receives a request from a target user to pay medical expenses using medical insurance, the system collects the target user's preset biometric information to authenticate the target user's identity.

[0188] When the target user's identity authentication is successful, the target user's medical insurance payment voucher is obtained, wherein the medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information;

[0189] The medical insurance payment voucher of the target user is transmitted to the medical institution's cashier system, so that the medical institution's cashier system can query the target user's medical insurance information based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

[0190] This specification also provides an embodiment of a computer-readable storage medium that stores one or more programs, the programs including instructions that, when executed by a portable electronic device including multiple applications, enable the portable electronic device to perform... Figure 3 The method of the illustrated embodiment is specifically used to perform the following operations:

[0191] In response to a target user's request to use medical insurance to pay for medical expenses, a preset IoT device is invoked to collect the target user's preset biometric information in order to authenticate the target user's identity.

[0192] The system receives the medical insurance payment voucher of the target user sent by the preset IoT device. The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0193] The medical insurance information of the target user is retrieved based on the medical insurance payment voucher, and the medical expenses are settled based on the medical insurance information.

[0194] The apparatus provided in this manual is described below.

[0195] like Figure 8 As shown, one embodiment of this specification provides a medical expense payment device 800. In one software implementation, the device 800 may include: a first response module 801, a medical insurance payment voucher acquisition module 802, and a settlement request module 803.

[0196] The first response module 801 is used to respond to the call request initiated by the medical institution's cashier system when it receives a request from a target user to pay medical expenses using medical insurance, and to collect the target user's preset biometric information to authenticate the target user's identity.

[0197] The medical insurance payment voucher acquisition module 802 is used to acquire the medical insurance payment voucher of the target user when the target user's identity authentication is passed. The medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information.

[0198] The settlement request module 803 is used to transmit the medical insurance payment voucher of the target user to the medical institution's cashier system, so that the medical institution's cashier system can query the medical insurance information of the target user based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

[0199] Optionally, the device 800 may further include: a registration guidance module, which, when the authentication of the target user fails, allows the preset IoT device to determine that the target user has not registered an account on the preset authorized platform, or that the target user is not a registered user of the preset authorized platform, and guides the target user to register an account on the preset authorized platform so that the target user becomes a registered user of the preset authorized platform.

[0200] Optionally, the device 800 may further include a judgment module and an activation guidance module. The judgment module is used to determine whether the target user's electronic medical insurance voucher is in an activated state; if it is in an activated state, the aforementioned medical insurance payment voucher acquisition module 802 is triggered; if it is not in an activated state, the activation guidance module is triggered. The activation guidance module is used to guide the target user to activate the electronic medical insurance voucher in a preset authorized platform.

[0201] It should be noted that the medical expense payment device 800 is capable of... Figure 2 The method can achieve the same technical effect; for details, please refer to [reference needed]. Figure 2 The methods shown will not be elaborated further.

[0202] like Figure 9 As shown, one embodiment of this specification provides a medical expense payment device 900. In one software implementation, the device 900 may include: a calling module 901, a first receiving module 902, and a settlement module 903.

[0203] The calling module 901 is used to respond to the target user's request to use medical insurance to pay medical expenses, and to call a preset IoT device to collect the target user's preset biometric information in order to authenticate the target user's identity.

[0204] The first receiving module 902 is used to receive the medical insurance payment voucher of the target user sent by the preset IoT device, wherein the medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful, and the medical insurance payment voucher is generated based on the target user's electronic medical insurance voucher.

[0205] The settlement module 903 is used to query the medical insurance information of the target user based on the medical insurance payment voucher, and to settle the medical expenses based on the medical insurance information.

[0206] It should be noted that the medical expense payment device 900 is capable of... Figure 3 The method can achieve the same technical effect; for details, please refer to [reference needed]. Figure 3 The methods shown will not be elaborated further.

[0207] The foregoing has described 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 those shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require a specific or sequential order to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0208] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the apparatus embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0209] In summary, the above description is merely a preferred embodiment of this specification and is not intended to limit the scope of protection of this specification. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of one or more embodiments of this specification should be included within the scope of protection of one or more embodiments of this specification.

[0210] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0211] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, 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 technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0212] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0213] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

Claims

1. A method for paying medical expenses, comprising: In response to a call request initiated by the medical institution's POS system when it receives a request from a target user to pay medical expenses using medical insurance, the system collects the target user's preset biometric information and sends it to the server of a preset authorized platform so that the server can authenticate the target user's identity. The preset authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system. When the target user's identity is successfully authenticated, the target user's medical insurance payment voucher is obtained, wherein the medical insurance payment voucher is the target user's electronic medical insurance voucher, which is generated by the medical insurance management system based on the target user's medical insurance information; The medical insurance payment voucher of the target user is transmitted to the medical institution's cashier system, so that the medical institution's cashier system can query the target user's medical insurance information based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

2. The method according to claim 1, The preset biometric information includes at least one of the following: facial image information, finger vein information, and iris information.

3. The method according to claim 1, further comprising: When the target user's identity authentication fails, it is determined that the target user has not registered an account on the preset authorized platform; The target user is guided to register an account on the preset authorized platform, so that the target user becomes a registered user of the preset authorized platform.

4. The method according to claim 3, wherein, Guiding the target user to register an account on the preset authorized platform includes: Display the registration page of the preset authorized platform; In response to the registration request initiated by the target user on the registration page, the target user's identity information, preset biometric information and registration account information carried in the registration request are sent to the server, so that the server generates the target user's registration account on the preset authorized platform and saves the target user's account, identity information and preset biometric information accordingly.

5. The method according to claim 1, further comprising, before obtaining the medical insurance payment voucher of the target user: Determine whether the target user's electronic medical insurance voucher is activated. If the system is active, proceed with the step of obtaining the target user's medical insurance payment voucher. If the device is not in an activated state, the target user will be guided to activate the electronic medical insurance voucher on the preset authorized platform.

6. The method according to claim 5, wherein, Guiding the target user to activate the electronic medical insurance voucher on the preset authorized platform includes: Display the activation page for the electronic medical insurance voucher; In response to the target user's request to activate the electronic medical insurance voucher on the activation page, the target user's identity information is sent to the server of the preset authorization platform, so that the server can activate the target user's electronic medical insurance voucher generated in advance by the medical insurance management system based on the target user's identity information.

7. The method according to claim 4 or 6, The target user's identity information includes the target user's real-name authentication information.

8. The method according to claim 1, wherein, Upon successful identity verification of the target user, the medical insurance payment voucher of the target user is obtained, including: When the target user's identity authentication is successful, the target user's identity information is determined; Based on the target user's identity information, the target user's medical insurance payment voucher is obtained from the server of the preset authorized platform.

9. The method according to claim 1, wherein, Upon successful identity verification of the target user, the medical insurance payment voucher of the target user is obtained, including: When the target user's identity authentication is successful, the target user's identity information is determined; The target user's identity information is sent to the server of the preset authorization platform, so that the server can determine the target user's medical insurance payment voucher based on the target user's identity information, and send the target user's medical insurance payment voucher to the client corresponding to the target user; By scanning the medical insurance payment voucher displayed in the client, the medical insurance payment voucher of the target user can be obtained. The medical insurance payment voucher is a QR code.

10. The method according to claim 1, wherein, The medical insurance payment voucher of the target user is transmitted to the medical institution's POS system, so that the medical institution's POS system can query the target user's medical insurance information based on the payment voucher and settle the medical expenses based on the medical insurance information, including: The medical insurance payment voucher of the target user is transmitted to the medical institution's POS system, so that the medical institution's POS system sends the medical insurance payment voucher to the medical insurance management system, and performs medical insurance pre-settlement based on the current medical expense list and the medical insurance information corresponding to the medical insurance payment voucher returned by the medical insurance management system; The system receives the pre-settlement result returned by the medical institution's POS system and initiates a settlement request to the medical institution's POS system based on the pre-settlement result to complete the payment of this medical expense.

11. The method according to claim 10, wherein, Based on the pre-settlement result, a settlement request is initiated to the medical institution's POS system to complete the payment of this medical expense, including: When the pre-settlement result includes self-paid amounts, the pre-settlement result is displayed; In response to the target user's confirmation payment operation based on the pre-settlement result, a self-payment settlement request is sent to the medical institution's POS system. The self-payment settlement request is used to request the medical institution's POS system to complete the payment of the self-payment amount in the pre-settlement result based on the target user's payment code. The target user's payment code is carried in the self-payment settlement request, and the payment code is determined based on the account registered by the target user on the preset authorized platform.

12. The method according to claim 10, wherein, Based on the pre-settlement result, a settlement request is initiated to the medical institution's POS system to complete the payment of this medical expense, including: When the medical insurance payment amount included in the pre-settlement result is greater than the preset amount, the pre-settlement result is displayed; In response to the target user's confirmation payment operation based on the pre-settlement result, a medical insurance settlement request is sent to the medical institution's POS system, wherein the medical insurance settlement request is used to request the medical institution's POS system to use medical insurance to complete the payment of the medical insurance payment amount in the pre-settlement result.

13. The method according to claim 10, wherein, Based on the pre-settlement result, a settlement request is initiated to the medical institution's POS system to complete the payment of this medical expense, including: When the pre-settlement result does not include out-of-pocket expenses and the medical insurance payment amount included in the pre-settlement result is less than or equal to a preset amount, a medical insurance settlement request is sent to the medical institution's cashier system. The medical insurance settlement request is used to request the medical institution's cashier system to complete the payment of the medical insurance payment amount in the pre-settlement result.

14. The method according to any one of claims 1, 10-13, further comprising: This displays the payment results for this medical expense.

15. The method according to any one of claims 1-6 and 8-13, The preset authorization platform is a preset online payment platform.

16. A method for paying medical expenses, comprising: In response to a target user's request to use medical insurance to pay for medical expenses, a preset IoT device is invoked to collect the target user's preset biometric information in order to authenticate the target user's identity. The system receives the medical insurance payment voucher of the target user sent by the preset IoT device. The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is the target user's electronic medical insurance voucher and is generated by the server of the preset authorized platform. The electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information. The preset authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system. The medical insurance information of the target user is retrieved based on the medical insurance payment voucher, and the medical expenses are settled based on the medical insurance information.

17. The method according to claim 16, wherein, The process includes querying the target user's medical insurance information based on the medical insurance payment voucher and settling the medical expenses based on that information, including: The medical insurance payment voucher is sent to the medical insurance management system, and medical insurance pre-settlement is performed based on the current medical expense list and the medical insurance information corresponding to the medical insurance payment voucher returned by the medical insurance management system. The pre-settlement result is fed back to the preset IoT device, and the payment of this medical expense is completed based on the settlement request made by the preset IoT device in response to the pre-settlement result.

18. The method according to claim 17, wherein, The payment of this medical expense is completed based on the settlement request made by the preset IoT device in response to the pre-settlement result, including: Receive a self-payment settlement request sent by the preset IoT device when the pre-settlement result includes a self-payment amount; In response to the self-payment settlement request, the payment of the self-payment amount in the pre-settlement result is completed based on the target user's payment code, wherein the target user's payment code is carried in the self-payment settlement request, and the payment code is determined based on the target user's account registered on a preset authorized platform, which is a preset online payment platform.

19. The method according to claim 17, wherein, The payment of this medical expense is completed based on the settlement request made by the preset IoT device in response to the pre-settlement result, including: When the preset IoT device receives a medical insurance settlement request sent by the preset IoT device when the pre-settlement result includes a medical insurance payment amount; In response to the medical insurance settlement request, the medical insurance payment amount in the pre-settlement result is paid using medical insurance.

20. The method according to any one of claims 16-19, The preset authorization platform is a preset online payment platform.

21. A method for paying medical expenses, comprising: In response to a target user's request to pay medical expenses using medical insurance, the medical institution's POS system calls a preset IoT device to collect the target user's preset biometric information in order to authenticate the target user's identity. When the target user's identity authentication is successful, the preset IoT device obtains the target user's medical insurance payment voucher and transmits it to the medical institution's POS system. The medical insurance payment voucher is the target user's electronic medical insurance voucher, which is generated by the server of the preset authorized platform. The electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information. The preset authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system. The medical institution's POS system queries the target user's medical insurance information based on the medical insurance payment voucher and settles the medical expenses based on the medical insurance information.

22. A medical expense payment device, comprising: The first response module is used to respond to the call request initiated by the medical institution's cashier system when it receives a request from a target user to pay medical expenses using medical insurance. It collects the target user's preset biometric information and sends it to the server of the preset authorized platform so that the server can authenticate the target user's identity. The preset authorized platform is the medical insurance electronic voucher management platform authorized by the medical insurance management system. The medical insurance payment voucher acquisition module is used to acquire the medical insurance payment voucher of the target user when the target user's identity authentication is successful. The medical insurance payment voucher is the target user's electronic medical insurance voucher and is generated by the server. The electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information. The settlement request module is used to transmit the medical insurance payment voucher of the target user to the medical institution's cashier system, so that the medical institution's cashier system can query the medical insurance information of the target user based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

23. A medical expense payment device, comprising: The calling module is used to respond to the target user's request to use medical insurance to pay medical expenses, and to call a preset IoT device to collect the target user's preset biometric information in order to authenticate the target user's identity; The first receiving module is used to receive the medical insurance payment voucher of the target user sent by the preset IoT device. The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is the target user's electronic medical insurance voucher and is generated by the server of the preset authorized platform. The electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information. The preset authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system. The settlement module is used to query the target user's medical insurance information based on the medical insurance payment voucher, and to settle the medical expenses based on the medical insurance information.

24. A medical expense payment system, comprising: Medical institution POS system and pre-installed IoT devices, The preset IoT device is used to respond to the medical institution's POS system's call request when it receives a request from a target user to pay medical expenses using medical insurance, and to collect the target user's preset biometric information to authenticate the target user's identity. When the target user's identity is verified, the target user's medical insurance payment voucher is obtained and transmitted to the medical institution's cashier system. The medical insurance payment voucher is the target user's electronic medical insurance voucher and is generated by a preset authorized platform. The electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information. The preset authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system. The medical institution's POS system is used to respond to a target user's request to pay medical expenses using medical insurance by calling the preset IoT device to collect the target user's preset biometric information for identity authentication; receiving the target user's medical insurance payment voucher sent by the preset IoT device; querying the target user's medical insurance information based on the medical insurance payment voucher; and settling the medical expenses based on the medical insurance information.

25. An electronic device, comprising: processor; as well as A memory configured to store computer-executable instructions, which, when executed, cause the processor to perform the following operations: In response to a call request initiated by the medical institution's POS system when it receives a request from a target user to pay medical expenses using medical insurance, the system collects the target user's preset biometric information and sends it to the server of a preset authorized platform so that the server can authenticate the target user's identity. The preset authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system. When the target user's identity authentication is successful, the target user's medical insurance payment voucher is obtained. The medical insurance payment voucher is the target user's electronic medical insurance voucher and is generated by the server. The electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information. The medical insurance payment voucher of the target user is transmitted to the medical institution's cashier system, so that the medical institution's cashier system can query the target user's medical insurance information based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

26. A computer-readable storage medium storing one or more programs, which, when executed by an electronic device including multiple applications, cause the electronic device to perform the following operations: In response to a call request initiated by the medical institution's POS system when it receives a request from a target user to pay medical expenses using medical insurance, the system collects the target user's preset biometric information and sends it to the server of a preset authorized platform so that the server can authenticate the target user's identity. The preset authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system. Upon successful authentication of the target user, the target user's medical insurance payment voucher is obtained, wherein... The medical insurance payment voucher is the target user's electronic medical insurance voucher, generated by the server. The electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information. The medical insurance payment voucher of the target user is transmitted to the medical institution's cashier system, so that the medical institution's cashier system can query the target user's medical insurance information based on the medical insurance payment voucher and settle the medical expenses based on the medical insurance information.

27. An electronic device comprising: processor; as well as A memory configured to store computer-executable instructions, which, when executed, cause the processor to perform the following operations: In response to a target user's request to use medical insurance to pay for medical expenses, a preset IoT device is invoked to collect the target user's preset biometric information; The system receives the medical insurance payment voucher of the target user sent by the preset IoT device. The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is the target user's electronic medical insurance voucher and is generated by the server of the preset authorized platform. The electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information. The preset authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system. The medical insurance information of the target user is retrieved based on the medical insurance payment voucher, and the medical expenses are settled based on the medical insurance information.

28. A computer-readable storage medium storing one or more programs, which, when executed by an electronic device including multiple applications, cause the electronic device to perform the following operations: In response to a target user's request to use medical insurance to pay for medical expenses, a preset IoT device is invoked to collect the target user's preset biometric information in order to authenticate the target user's identity. Receive the medical insurance payment voucher of the target user sent by the preset IoT device, wherein, The medical insurance payment voucher is obtained by the preset IoT device when the target user's identity authentication is successful. The medical insurance payment voucher is the target user's electronic medical insurance voucher and is generated by the server of the preset authorized platform. The electronic medical insurance voucher is generated by the medical insurance management system based on the target user's medical insurance information. The preset authorized platform is a medical insurance electronic voucher management platform authorized by the medical insurance management system. The medical insurance information of the target user is retrieved based on the medical insurance payment voucher, and the medical expenses are settled based on the medical insurance information.

Images