Medical payment system, method and device, storage medium and electronic equipment

Abstract

The embodiment of the invention discloses a medical payment system, method and device, a storage medium and electronic equipment, and the method employs a medical cost automatic payment system to directly break through the barrier between a hospital cost system and online payment, and a medical order issued by a doctor generates a corresponding medical bill through the hospital cost system. The medical expense automatic payment system directly queries the financial account bound to the patient and initiates withholding to the queried financial account, so that the payment time of seeing a doctor in a hospital is greatly shortened, and the seeing efficiency is improved.

Description

Technical Field

[0001] This specification relates to the field of computer technology, and in particular to a medical payment system, method, apparatus, storage medium, and electronic device. Background Technology

[0002] Medical treatment is an essential part of people's daily lives. In response to the long waiting times, long payment times, long medication collection times, and short consultation times in medical treatment scenarios, my country is currently accelerating the development of "Internet-based medical and health services".

[0003] Currently, the standard procedure for paying medical bills at hospitals is as follows: after the doctor issues a prescription, the patient queues at the payment window or self-service terminal to pay. It is clear that this method, which requires patients to queue themselves to pay, is the root cause of the aforementioned problem of "long payment times."

[0004] Therefore, how to shorten the time for medical treatment and payment in order to improve medical efficiency is obviously an urgent problem to be solved. Summary of the Invention

[0005] This specification provides a medical payment system, method, apparatus, storage medium, and electronic device to partially solve the problems existing in the prior art.

[0006] The embodiments in this specification adopt the following technical solutions:

[0007] This specification provides a medical payment system, which includes: a hospital fee system and an automatic medical fee payment system;

[0008] The hospital billing system is used to receive medical orders entered by doctors, generate medical bills based on the medical orders, and send them to the automatic medical expense payment system.

[0009] The automatic medical expense payment system is used to query the financial account linked to the patient information carried in the received medical bill, and to initiate a deduction request to the queried financial account based on the medical expense information carried in the medical bill.

[0010] Optionally, the automatic medical expense payment system is further configured to return a successful deduction response to the hospital expense system after confirming that the payment from the financial account has been successful;

[0011] The hospital billing system is also used to update the payment record corresponding to the medical bill after receiving the successful deduction response.

[0012] Optionally, the automatic medical expense payment system is further configured to receive a signing request sent by a patient, the signing request carrying the patient's patient information and the account information corresponding to the financial account, store the patient information, and bind the financial account corresponding to the account information to the patient information.

[0013] This instruction manual provides a medical payment method, which includes:

[0014] Receive medical bills, which are generated by the hospital billing system based on the doctor's prescription.

[0015] Based on the patient information carried in the medical bill, query the financial account linked to the patient information;

[0016] Based on the medical expense information carried in the medical bill, a deduction request is initiated to the queried financial account.

[0017] Optionally, the method further includes:

[0018] After confirming successful payment to the financial account, a successful deduction response is returned to the hospital's billing system, causing the hospital's billing system to update the payment record corresponding to the medical bill.

[0019] Optionally, when two or more financial accounts are found to be linked to the patient information, a deduction request is initiated to the found financial accounts based on the medical expense information carried in the medical bill, specifically including:

[0020] Determine the priority of each queried financial account, and based on the medical expense information carried in the medical bill, initiate automatic deduction requests to each queried financial account in descending order of priority until the deduction is successful; or

[0021] The system displays all the financial accounts found and identifies the target account selected by the patient from among them. Based on the medical expense information carried in the medical bill, the system initiates a deduction request to the target account.

[0022] Optionally, before querying the financial account linked to the patient information, the method further includes:

[0023] Receive a contract signing request sent by a patient, the contract signing request carrying the patient's patient information and the account information corresponding to the financial account;

[0024] The patient information is stored, and the financial account corresponding to the account information is bound to the patient information.

[0025] Optionally, the patient information is stored, and the financial account corresponding to the account information is bound to the patient information, specifically including:

[0026] Based on the patient information, determine the patient's credit score;

[0027] When the patient's credit score meets the preset conditions, the patient information is stored, and the financial account corresponding to the account information is bound to the patient information.

[0028] The contract request is rejected if the patient's credit score does not meet the preset conditions.

[0029] Optionally, the method further includes:

[0030] Receive the unbinding request sent by the patient;

[0031] Determine the account information carried in the unbinding request, and take the financial account corresponding to the account information carried in the unbinding request as the account to be unbound;

[0032] Check if the account to be unbound has any unpaid medical bills;

[0033] If it exists, then the unbinding request is rejected;

[0034] If it does not exist, then the account to be unbound will be unbound from the patient information.

[0035] This specification provides a medical payment device, the device comprising:

[0036] The receiving module is used to receive medical bills, which are generated by the hospital's billing system based on the doctor's prescription.

[0037] The query module is used to query the financial account linked to the patient information carried in the medical bill.

[0038] The automatic deduction module is used to initiate an automatic deduction request to the queried financial account based on the medical expense information carried in the medical bill.

[0039] This specification provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the aforementioned medical payment method.

[0040] This specification provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the aforementioned medical payment method.

[0041] The above-described at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects:

[0042] This specification discloses a medical payment method. This method utilizes an automatic medical expense payment system to directly bridge the gap between the hospital's expense system and online payment. After the doctor's prescription generates a corresponding medical bill through the hospital's expense system, the automatic medical expense payment system directly queries the patient's linked financial account and initiates automatic deduction to the queried financial account, which greatly shortens the payment time for medical treatment in the hospital and improves medical efficiency. Attached Figure Description

[0043] The accompanying drawings, which are included to provide a further understanding of this specification and form part of this specification, illustrate exemplary embodiments and are used to explain this specification, but do not constitute an undue limitation thereof. In the drawings:

[0044] Figure 1 This is a schematic diagram of a medical payment process provided in this instruction manual;

[0045] Figure 2 This is a schematic diagram illustrating the process of patient signing up and linking a financial account, as provided in the embodiments of this specification.

[0046] Figure 3 This is a schematic diagram of a medical payment device provided in the embodiments of this specification;

[0047] Figure 4 This is a schematic diagram of the structure of the electronic device provided in the embodiments of this specification. Detailed Implementation

[0048] To make the objectives, technical solutions, and advantages of this specification clearer, the technical solutions of this specification 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 specification, and not all of them. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this specification.

[0049] The technical solutions provided in the various embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0050] This specification provides a medical payment system, including a hospital fee system and an automatic medical fee payment system. The medical payment system aims to couple the hospital fee system and the patient's financial account through the automatic medical fee payment system, so as to realize the automatic online payment of hospital fees, shorten the time for medical payment, and improve medical efficiency.

[0051] Based on the above system, this specification provides a method for medical payment, such as... Figure 1 As shown.

[0052] Figure 1 This instruction manual provides a flowchart of a medical payment process, which may include the following steps:

[0053] S100: The hospital billing system receives medical orders entered by doctors.

[0054] In the embodiments of this instruction manual, the doctor's prescription may include the required medication and dosage, such as two boxes of a certain brand of penicillin, and may also include the required medical procedures, such as blood routine tests.

[0055] After a doctor issues a medical order, the order can be entered into the hospital's billing system, which can then recognize the order. Alternatively, the doctor can issue the order directly within the hospital's billing system.

[0056] S102: Generate a medical bill based on the doctor's order and send it to the automatic medical expense payment system.

[0057] The hospital's billing system stores the prices of various drugs and medical services. Based on the received medical orders, the system can query the prices of each drug and medical service included in the medical order and generate the corresponding medical bill.

[0058] In existing technologies, when the process reaches this point, the patient needs to go to the payment window or self-service terminal to pay in person. However, in the embodiments of this specification, after the hospital billing system generates a medical bill, it directly sends the medical bill to the automatic medical expense payment system.

[0059] S104: The automatic medical expense payment system queries the financial account linked to the patient information based on the patient information carried in the received medical bill.

[0060] In the embodiments described in this specification, patients can pre-register and sign up for the automatic medical expense payment system, enabling the system to store the patient's information and link a financial account for the patient to pay medical bills. Specific methods for patient registration and account linking will be described in detail later.

[0061] Upon receiving a medical bill, the automated medical expense payment system can query the financial accounts linked to the patient's information. The medical bill contains the patient's information, such as name, ID, and national ID number. The automated medical expense payment system can then use its stored database of patient information and their associated financial accounts to locate the financial accounts linked to the patient information contained in the medical bill.

[0062] S106: Based on the medical expense information carried in the medical bill, initiate a deduction request to the queried financial account.

[0063] Once the automated medical expense payment system locates the financial account linked to the patient's information, it can initiate a deduction request to the located financial account based on the medical expense information carried in the medical bill. This deduction request is a request to deduct the amount corresponding to the medical expense information carried in the aforementioned medical bill from the located financial account.

[0064] The deducted amount can be temporarily held in the automatic medical expense payment system's own account. When the pre-agreed time arrives between the automatic medical expense payment system and the hospital's billing system, the automatic medical expense payment system will then transfer all the temporarily held amounts for all patients from its own account to the hospital's billing system's account. Using this method, after confirming successful payment to the patient's financial account—that is, after confirming successful deduction—the automatic medical expense payment system will return a successful deduction response to the hospital's billing system. This allows the hospital's billing system to update the payment record corresponding to the patient's medical bill and display it to the doctor, enabling the doctor to continue arranging subsequent medical procedures for the patient.

[0065] Alternatively, the automated medical expense payment system can directly transfer the deducted amount to the hospital's billing system account after the deducted amount is received. Using this method, the automated medical expense payment system can immediately send the deducted amount back to the hospital's billing system as a successful deduction response after confirming successful payment to the patient's financial account. This allows the hospital's billing system to update the payment record corresponding to the patient's medical bill and display it to the doctor, enabling the doctor to continue arranging subsequent medical procedures for the patient.

[0066] By using the above method, the automatic medical expense payment system is connected to the hospital's expense system. The hospital's expense system can automatically collect medical expenses online through the online deduction function of the automatic medical expense payment system. After the doctor's prescription is generated into a corresponding medical bill by the hospital's expense system, the automatic medical expense payment system directly queries the patient's linked financial account and initiates deduction to the queried financial account. This greatly shortens the payment time for medical treatment in the hospital and improves the efficiency of medical treatment.

[0067] Figure 2 The flowchart illustrating the patient's signing and binding of a financial account, as provided in the embodiments of this specification, specifically includes the following steps:

[0068] S200: Receive a contract signing request sent by the patient, the contract signing request carrying the patient's patient information and the account information corresponding to the financial account.

[0069] In the embodiments described in this specification, patients can send a signing request to the automated medical expense payment system through their own terminals (such as personal computers, mobile phones, tablets, etc.). The signing request carries the patient's own information, i.e., patient information, which includes, but is not limited to, information used to identify the patient, such as name and ID number, as well as account information corresponding to the financial account used by the patient. The financial account mentioned in this specification includes, but is not limited to, bank cards, payment application accounts, and may also include credit accounts.

[0070] S202: Store the patient information and bind the financial account corresponding to the account information to the patient information.

[0071] After receiving the above-mentioned contract signing request, the automatic medical expense payment system can first determine the patient's credit score based on the patient information carried in the contract signing request. When the patient's credit score meets the preset conditions, the system stores the patient's information and binds the financial account corresponding to the account information carried in the contract signing request to the patient's information. When the patient's credit score does not meet the preset conditions, the system rejects the contract signing request.

[0072] In addition to connecting to hospital expense systems, the automated medical expense payment system in this embodiment can also connect to bank systems and payment application systems. When determining a patient's credit score, the automated medical expense payment system can query the institutions to which all financial accounts used by the patient belong (such as banks, payment institutions to which payment applications belong, etc.) based on the patient's information, and then continue to query the patient's credit score among the queried institutions. If the credit score meets preset conditions, such as not being less than a set threshold, the automated medical expense payment system creates an automated medical expense payment account for the patient, stores the patient's information in the created automated medical expense payment account, and then binds the financial account corresponding to the account information carried in the signing request to the automated medical expense payment account; otherwise, the signing request is rejected.

[0073] In addition, since patients may use more than one financial account when signing up, the automatic medical expense payment system can bind the financial account corresponding to each account information carried in the signing request to the aforementioned automatic medical expense payment account. In this case, since the automatic medical expense payment account is equivalent to aggregating multiple financial accounts, the automatic medical expense payment account will be referred to as the aggregated account in the following text.

[0074] After the automatic medical expense payment system binds each financial account entered by the patient in the contract request to the aggregated account, the system can also prompt the user to set the priority of each bound financial account. Then, in step S106, when the automatic medical expense payment system initiates a deduction, it first determines the priority of each queried financial account, and then, based on the medical expense information carried in the medical bill, initiates deduction requests to each queried financial account in descending order of priority until the deduction is successful. For example, if patient Zhang San's aggregated account is bound to financial account A and financial account B, and financial account A has a higher priority than financial account B, then when initiating a deduction, the automatic medical expense payment system will first initiate a deduction request to financial account A in descending order of priority. If financial account A fails to pay due to insufficient balance or credit limit, i.e., the deduction fails, then a deduction request will be initiated to financial account B, until the deduction is successful.

[0075] Furthermore, when the aggregated account is bound to two or more financial accounts, in step S106, in addition to initiating deductions according to the above priority, the automatic medical expense payment system can also display the queried financial accounts, determine the target account selected by the patient among the displayed financial accounts, and initiate a deduction request to the target account based on the medical expense information carried in the medical bill.

[0076] In this embodiment of the specification, to prevent malicious users from unbinding their linked financial accounts before completing medical expense payments, the automatic medical expense payment system, upon receiving an unbinding request from a patient, can first determine the account information carried in the unbinding request and designate the financial account corresponding to the account information as the account to be unbound. Then, it checks whether the account to be unbound has any unpaid medical bills. If so, the unbinding request is rejected; otherwise, the account to be unbound is unbound from the patient's patient information. Alternatively, upon receiving an unbinding request from a patient, the automatic medical expense payment system can directly check whether the patient's aggregated account has any unpaid medical bills. If so, any unbinding request for that aggregated account is rejected; otherwise, based on the account information carried in the unbinding request, the account to be unbound is unbound from the aggregated account, i.e., the account to be unbound is unbound from the patient's information.

[0077] The above is an example of a medical payment method and system provided in this specification. Based on the same idea, this specification also provides corresponding devices, storage media and electronic devices.

[0078] Figure 3 This is a schematic diagram of a medical payment device provided in an embodiment of this specification. The medical payment device can be located in an automatic medical expense payment system, and the device includes:

[0079] The receiving module 301 is used to receive medical bills, which are generated by the hospital billing system based on the doctor's prescription.

[0080] The query module 302 is used to query the financial account linked to the patient information based on the patient information carried in the medical bill;

[0081] The automatic deduction module 303 is used to initiate an automatic deduction request to the queried financial account based on the medical expense information carried in the medical bill.

[0082] Optionally, the deduction module 303 is further configured to, after determining that the financial account has made a successful payment, return a deduction success response to the hospital billing system, so that the hospital billing system updates the payment record corresponding to the medical bill.

[0083] Optionally, the deduction module 303 is specifically used to: determine the priority of each queried financial account; and, based on the medical expense information carried in the medical bill, sequentially initiate deduction requests to each queried financial account in descending order of priority until the deduction is successful; or, display each queried financial account, determine the target account selected by the patient among the displayed financial accounts, and initiate a deduction request to the target account based on the medical expense information carried in the medical bill.

[0084] Optionally, the device further includes:

[0085] The signing module 304 is used to receive a signing request sent by a patient, the signing request carrying the patient's patient information and the account information corresponding to the financial account; store the patient information, and bind the financial account corresponding to the account information to the patient information.

[0086] Optionally, the signing module 304 is specifically used to: determine the patient's credit score based on the patient information; when the patient's credit score meets preset conditions, store the patient information and bind the financial account corresponding to the account information to the patient information; when the patient's credit score does not meet preset conditions, reject the signing request.

[0087] Optionally, the signing module 304 is further configured to: receive an unbinding request sent by the patient; determine the account information carried in the unbinding request, and designate the financial account corresponding to the account information carried in the unbinding request as the account to be unbound; query whether there are any unpaid medical bills in the account to be unbound; if so, reject the unbinding request; if not, unbind the account to be unbound from the patient information.

[0088] This specification also provides a computer-readable storage medium storing a computer program that, when executed by a processor, can be used to perform the above-described actions. Figure 1 The medical payment methods provided.

[0089] based on Figure 1 The following is based on Figure 1 The medical payment method shown in this specification is further illustrated in the embodiments. Figure 4 The diagram shows the structure of the electronic device. Figure 4 At the hardware level, this electronic device includes a processor, internal bus, network interface, memory, and non-volatile memory, and may also include other hardware required for business operations. The processor reads the corresponding computer program from the non-volatile memory into memory and then executes it to achieve the above. Figure 1 The aforementioned medical payment method.

[0090] Of course, in addition to software implementation, 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.

[0091] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that a methodological improvement cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0092] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0093] 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.

[0094] For ease of description, the above devices are described in terms of function, divided into various units. Of course, in implementing this specification, the functions of each unit can be implemented in one or more software and / or hardware components.

[0095] Those skilled in the art will understand that embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0096] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a machine for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0097] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0098] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0099] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0100] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0101] 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.

[0102] 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. Without further limitation, 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.

[0103] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0104] This specification can be described in the general context of computer-executable instructions that are executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This specification can also be practiced in distributed computing environments, where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0105] 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.

[0106] The above description is merely an embodiment of this specification and is not intended to limit this specification. Various modifications and variations can be made to this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this specification should be included within the scope of the claims of this specification.

Claims

1. A medical payment system, comprising: Hospital expense system, automatic medical expense payment system; The hospital expense system is used to receive the medical order form input by the doctor, generate a medical bill based on the medical order form, and send it to the medical expense automatic payment system; The automatic medical expense payment system is used to query the financial account bound to the patient information according to the patient information carried in the received medical bill, and initiate a deduction request to the queried financial account according to the medical expense information carried in the medical bill.

2. The medical payment system according to claim 1, wherein the medical expense automatic payment system is further configured to return a successful deduction response to the hospital expense system after determining that the financial account payment is successful; The hospital expense system is also used to update the payment record corresponding to the medical bill after receiving the successful deduction response.

3. The medical payment system as described in claim 1, wherein the automatic medical expense payment system is also used to receive a contract signing request sent by a patient, wherein the contract signing request carries the patient information of the patient and the account information corresponding to the financial account, stores the patient information, and binds the financial account corresponding to the account information to the patient information.

4. A medical payment method, comprising: receiving a medical bill, wherein the medical bill is generated by a hospital expense system according to a medical order entered by a doctor; According to the patient information contained in the medical bill, query the financial account bound to the patient information; Based on the medical expense information contained in the medical bill, a deduction request is initiated to the queried financial account.

5. The method of claim 4, further comprising: After determining that the financial account payment is successful, a deduction success response is returned to the hospital expense system, so that the hospital expense system updates the payment record corresponding to the medical bill.

6. The method of claim 4, when there are more than two financial accounts bound to the patient information, initiating a deduction request to the queried financial accounts according to the medical expense information carried in the medical bill, specifically comprising: Determine the priority of each queried financial account, and initiate a deduction request to each queried financial account in descending order of priority according to the medical expense information carried in the medical bill, until the deduction is successful; or The queried financial accounts are displayed, and a target account selected by the patient from among the displayed financial accounts is determined, and a deduction request is initiated to the target account based on the medical expense information carried in the medical bill.

7. The method of claim 4, before querying the financial account bound to the patient information, the method further comprises: receiving a contract signing request sent by a patient, wherein the contract signing request carries the patient information of the patient and the account information corresponding to the financial account; The patient information is stored, and a financial account corresponding to the account information is bound to the patient information.

8. The method of claim 7, storing the patient information and binding the financial account corresponding to the account information to the patient information, specifically comprising: Determining a credit score of the patient based on the patient information; When the patient's credit score meets a preset condition, storing the patient information, and binding the financial account corresponding to the account information to the patient information; When the patient's credit score does not meet the preset conditions, the contract signing request is rejected.

9. The method according to claim 4 or 7, further comprising: Receiving an unbinding request sent by the patient; Determine the account information carried in the unbinding request, and use the financial account corresponding to the account information carried in the unbinding request as the account to be unbound; Check whether the account to be unbound has any unpaid medical bills; If so, reject the unbinding request; If it does not exist, the account to be unbound is unbound from the patient information.

10. A medical payment device, comprising: A receiving module, used for receiving a medical bill, wherein the medical bill is generated by a hospital expense system according to a medical order entered by a doctor; A query module, for querying a financial account bound to the patient information based on the patient information carried in the medical bill; The withholding module is used to initiate a withholding request to the queried financial account based on the medical expense information carried in the medical bill.

11. A computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the method according to any one of claims 4 to 9.

12. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method according to any one of claims 4 to 9 when executing the program.

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