Medical payment data processing method and device based on 5G message

Abstract

The invention provides a medical payment data processing method and device based on a 5G message, relates to the technical field of 5G, can be used in the field of financial science and technology, and comprises the following steps: constructing an identity recognition feature database; acquiring a medical payment request initiated by a user terminal, performing information authentication according to the mobile phone number information of the user to obtain user authentication information, and calling the user terminal to collect identity recognition features of the user; identifying the identity identification features of the user and the user authentication information according to the identity identification feature database, matching and checking an identification result with the user treatment information, and generating a medical cashing preprocessing task according to the user treatment information after the checking is passed; according to the mobile phone number information of the user, sending the medical cashing preprocessing task to the user by using a 5G message; and activating a bank teaching task according to the medical cashing preprocessing task, deducting the payment amount from the corresponding account of the user, generating a payment voucher, and feeding back the payment voucher to the user terminal by using a 5G message.

Description

Technical Field

[0001] The present invention relates to the field of 5G technology and can be used in the field of financial technology, and in particular to a medical payment data processing method and device based on 5G messages. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] Currently, when users visit a hospital for treatment and pay their medical bills, they usually take their physical medical insurance cards or electronic medical insurance cards to the hospital payment window or self-service payment machine to pay. This method requires users to wait in line and needs to be operated by hospital payment staff, which has high labor costs, low payment processing efficiency, and poor user experience.

[0004] With the increasing number of existing bank-medical cooperation projects and the fact that mobile phones have become an indispensable tool in daily life, no reasonable, efficient and secure technical solutions have been proposed for how to achieve information exchange and medical payment data processing between banks and hospitals. Therefore, there is an urgent need for a technical solution that can overcome the above defects, improve the efficiency of information exchange and medical payment data processing between banks and hospitals, and ensure payment security. Summary of the invention

[0005] In order to solve the problems existing in the prior art, the present invention proposes a medical payment data processing method and device based on 5G messages, which can realize information interaction between banks and hospitals. Through the cooperation between banks and hospitals to process medical payment bills, the convenience and security of payment can be improved, a more convenient payment method can be provided for users, and the cash management pressure of hospitals can be reduced.

[0006] In a first aspect of an embodiment of the present invention, a medical payment data processing method based on 5G messages is proposed, comprising:

[0007] Constructing an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user;

[0008] Obtain a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number information and the user's medical treatment information, perform information authentication based on the user's mobile phone number information in the medical payment request, obtain user authentication information, and call the user terminal to collect the user's identity recognition features based on the user authentication information;

[0009] Identify the user's identity recognition features according to the identity recognition feature database, determine the identity recognition matching value, calculate the difference between the identity recognition matching value and the matching threshold, and determine the identity feature recognition result and the payment method according to the difference; wherein, after the identity feature recognition result is recognized as passed, generate a medical payment pre-processing task according to the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method;

[0010] According to the user's mobile phone number information, the medical payment pre-processing task is sent to the user by using 5G message, so that the user can choose the payment method according to the medical payment pre-processing task;

[0011] Receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical redemption preprocessing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feed back the payment voucher to the user terminal.

[0012] In a second aspect of an embodiment of the present invention, a medical payment data processing device based on 5G messages is proposed, comprising:

[0013] A database construction module is used to construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user;

[0014] A request processing module is used to obtain a medical payment request initiated by a user terminal, wherein the medical payment request carries the user's mobile phone number information and the user's medical treatment information, performs information authentication according to the user's mobile phone number information in the medical payment request, obtains user authentication information, and calls the user terminal to collect the user's identity recognition features according to the user authentication information;

[0015] An identity recognition module is used to recognize the identity recognition features of the user according to the identity recognition feature database, determine the identity recognition matching value, calculate the difference between the identity recognition matching value and the matching threshold, and determine the identity feature recognition result and the payment method according to the difference; wherein, after the identity feature recognition result is recognized as passed, a medical payment pre-processing task is generated according to the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method;

[0016] A task sending module is used to send the medical payment pre-processing task to the user using 5G messages according to the user's mobile phone number information, so that the user can choose a payment method according to the medical payment pre-processing task;

[0017] The payment processing module is used to receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical redemption pre-processing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feed back the payment voucher to the user terminal.

[0018] In a third aspect of an embodiment of the present invention, a computer device is proposed, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements a medical payment data processing method based on 5G messages when executing the computer program.

[0019] In a fourth aspect of an embodiment of the present invention, a computer-readable storage medium is proposed, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a medical payment data processing method based on 5G messages is implemented.

[0020] In a fifth aspect of an embodiment of the present invention, a computer program product is proposed, which includes a computer program, and when the computer program is executed by a processor, a medical payment data processing method based on 5G messages is implemented.

[0021] The medical payment data processing method and device based on 5G messages proposed in the present invention construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user; a medical payment request initiated by a user terminal is obtained, wherein the medical payment request carries the user's mobile phone number information and the user's medical treatment information, information authentication is performed according to the user's mobile phone number information in the medical payment request to obtain user authentication information, and the user terminal is called according to the user authentication information to collect the user's identity recognition features; the identity recognition features of the user are identified according to the identity recognition feature database, an identity recognition matching value is determined, a difference between the identity recognition matching value and a matching threshold is calculated, and an identity feature recognition result and a payment method are determined according to the difference. Formula; wherein, after the identity feature recognition result is recognized as passed, a medical payment preprocessing task is generated according to the user's medical information; the medical payment preprocessing task includes the payment amount, user name, identity ID and payment method; according to the user's mobile phone number information, the medical payment preprocessing task is sent to the user by using 5G message, so that the user can select the payment method according to the medical payment preprocessing task; the payment method sent by the user through the user terminal by using 5G message is received, the payment interface is called to generate a bank payment task, the bank payment task is activated according to the user name and identity ID in the medical payment preprocessing task, the payment amount is deducted from the user's corresponding account, a payment voucher is generated and the payment voucher is fed back to the user terminal by using 5G message. The overall solution enables users to use 5G messages through terminals to verify their identities, process medical payment bills and make medical payments. In actual application scenarios, the information interaction between banks and hospitals is opened up through the identity recognition feature database, and user identity authentication is performed in multiple dimensions such as the identity recognition feature database and mobile phone number authentication to ensure the accuracy and security of identity matching and verification, protect user property safety, and improve the processing efficiency of medical payment data of banks and hospitals, providing strong technical support for the business scenarios of bank-medical cooperation. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0023] Figure 1 It is a flow chart of a medical payment data processing method based on 5G messages according to an embodiment of the present invention.

[0024] Figure 2 It is a schematic diagram of the architecture relationship of the identity recognition feature database according to an embodiment of the present invention.

[0025] Figure 3 It is a schematic diagram of a specific process of constructing an identity recognition feature database according to an embodiment of the present invention.

[0026] Figure 4 The figure is a schematic diagram of a processing flow of a medical payment request according to an embodiment of the present invention.

[0027] Figure 5 It is a flowchart of performing information matching and verification based on an identity recognition feature database according to an embodiment of the present invention.

[0028] Figure 6 It is a schematic diagram of a flow chart of analyzing identity recognition matching values ​​according to an embodiment of the present invention.

[0029] Figure 7 It is a detailed flowchart of using the first and second identity recognition feature databases to perform information matching and verification according to an embodiment of the present invention.

[0030] Figure 8 The figure is a schematic diagram of the processing flow of medical account payment according to an embodiment of the present invention.

[0031] Fig. 9 It is a schematic diagram of the process of medical payment according to an embodiment of the present invention.

[0032] Fig.10 It is a schematic diagram of an exemplary application scenario of an embodiment of the present invention.

[0033] Fig.11 This is a schematic diagram of the architecture of a medical payment data processing device based on 5G messages according to an embodiment of the present invention.

[0034] Fig.12 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0035] The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided only to enable those skilled in the art to better understand and implement the present invention, and are not intended to limit the scope of the present invention in any way. On the contrary, these embodiments are provided to make the present disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0036] Those skilled in the art will appreciate that the embodiments of the present invention may be implemented as a system, device, apparatus, method or computer program product. Therefore, the present disclosure may be specifically implemented in the following forms, namely: complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0037] According to an implementation manner of the present invention, a medical payment data processing method and device based on 5G messages are proposed, which relate to the field of 5G technology and can be used in the field of financial technology.

[0038] The principle and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0039] Figure 1 FIG. 1 is a flow chart of a medical payment data processing method based on 5G messages according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0040] S101, constructing an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user;

[0041] S102, obtaining a medical payment request initiated by a user terminal, the medical payment request carrying user mobile phone number information and user medical treatment information, performing information authentication according to the user mobile phone number information in the medical payment request to obtain user authentication information, and calling the user terminal to collect the user's identity recognition features according to the user authentication information;

[0042] S103, identifying the identity recognition feature of the user according to the identity recognition feature database, determining the identity recognition matching value, calculating the difference between the identity recognition matching value and the matching threshold, and determining the identity recognition result and the payment method according to the difference; wherein, after the identity recognition result is that the recognition is passed, generating a medical payment pre-processing task according to the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method;

[0043] S104, sending the medical payment pre-processing task to the user using a 5G message according to the user's mobile phone number information, so that the user can select a payment method according to the medical payment pre-processing task;

[0044] S105, receiving the payment method sent by the user through the user terminal using 5G messages, calling the payment agent interface to generate a bank payment agent task, activating the bank payment agent task according to the user name and identity ID in the medical payment preprocessing task, deducting the payment amount from the user's corresponding account, generating a payment voucher and feeding back the payment voucher to the user terminal using 5G messages.

[0045] In order to explain the above-mentioned medical payment data processing method based on 5G messages more clearly, each step is described in detail below.

[0046] In one embodiment, in order to ensure the security of information of multiple parties such as hospitals, banks, and users, and to enable the medical payment data to be processed quickly, efficiently, and securely, this application builds an identity recognition feature database to open up information interaction between banks and hospitals, and realize accurate identification of user identities to achieve the above purpose. Figure 2 and Figure 3 , Figure 2 This is a schematic diagram of the architecture relationship of the identity recognition feature database. Figure 3 The following is a schematic diagram of the specific process of building an identity recognition feature database. Figure 2 and Figure 3 As shown, the specific process of (S101) constructing the identity recognition feature database is as follows:

[0047] S301, after the user authorizes the collection of identity information, collect the user's identity information and identity recognition features, wherein the user's identity information at least includes the user's name, identity ID, and user mobile phone number information; the identity recognition features at least include one or more of fingerprint scanning data, iris scanning data, and facial recognition data.

[0048] S302, constructing a first identity recognition feature database and a second identity recognition feature database, wherein the first identity recognition feature database is located at a bank end node, and the second identity recognition feature database is located at a hospital end node.

[0049] S303, extracting feature values ​​from the identity recognition feature, performing random fragmentation processing on the extracted feature values ​​to obtain ciphertext feature fragments, and storing them in the first identity recognition feature database and the second identity recognition feature database respectively.

[0050] After extracting the feature values ​​of the identity recognition feature, the extracted feature values ​​are randomly fragmented to increase the security of the data. This makes the feature values ​​more difficult to restore and reconstruct, and improves the confidentiality of the data. The main processes of fragmentation processing are segmentation, encryption, scrambling, and masking. Among them, segmentation: the extracted feature values ​​are divided into multiple fragments, and these fragments are stored in different locations or databases. In this way, even if a certain fragment is obtained, the complete feature value cannot be restored. Encryption: The extracted feature values ​​are encrypted and a secure encryption algorithm and key are used to protect the confidentiality of the data. The feature values ​​can only be decrypted and restored with the correct key when necessary. Scrambling: The order of the feature values ​​is randomly scrambled to make them lose their original structure and association. In this way, even if a certain fragment is obtained, the complete feature value cannot be restored in the original order. Masking: Part of the information of the feature value is covered or replaced to confuse the data. For example, random noise or forged feature values ​​can be used to replace the real feature values.

[0051] In actual application scenarios, when performing fragmentation processing, it is necessary to ensure that the processed data still has sufficient accuracy and availability to ensure the performance and effectiveness of the identity recognition system, and at the same time, to make data backup and recovery strategies to prevent data loss or inability to restore.

[0052] S304, establishing an index of the ciphertext feature fragments and the user identity information, and using the index to identify the user identity information when matching and verifying the identity recognition features.

[0053] In a specific embodiment, when constructing an identity recognition feature database, it is necessary to collect a large amount of identity recognition feature data, such as face images, fingerprint data, iris scans, etc. The collection of these data has been authorized by the user. The collected data is preprocessed. This includes image quality improvement, feature extraction and normalization to ensure data consistency and accuracy. Feature extraction is performed on the data, and computer vision and pattern recognition technology are used to extract key identity recognition features from the collected data. For face data, face recognition algorithms can be used to extract key points, texture features, etc.; for fingerprint data, fingerprint recognition algorithms can be used to extract detail features, etc.

[0054] When storing data, select a database management system to store the extracted identity feature data to ensure the security and reliability of the database to prevent unauthorized access and data leakage. At the same time, in order to quickly retrieve and match identity features, set up the database to create an index and implement an efficient query algorithm to improve the performance and response speed of the identity recognition system. When building an identity feature database, set the database access rights to ensure database security.

[0055] In one embodiment, reference Figure 4 , (S102) obtaining a medical payment request initiated by a user terminal, wherein the medical payment request carries the user's mobile phone number information and the user's medical treatment information, performing information authentication according to the user's mobile phone number information in the medical payment request, obtaining user authentication information, and calling the user terminal to collect the user's identity recognition features according to the user authentication information. The specific process is as follows:

[0056] S401, after the user terminal initiates a medical payment request, jump to the bank's face verification page, call the face collection module of the user terminal to collect face information, and trigger the operator to perform information authentication.

[0057] S402, the operator authenticates the user's mobile phone number information carried in the medical payment request, obtains user authentication information, and pushes the user authentication information to the bank end node.

[0058] Operators conduct information authentication by verifying the user's identity information and permissions to ensure that the user can access specific information or services. Information authentication involves technical means such as user identity authentication, access permission control, and data encryption to protect the user's privacy and data security. Operators conduct information authentication to help prevent unauthorized users from accessing sensitive information and protect the user's personal information security. It can also ensure that users enjoy legal services and rights, which is of great significance to protecting user rights and data security.

[0059] In one embodiment, reference Figure 5 , (S103) identifying the identity recognition feature of the user according to the identity recognition feature database, determining the identity recognition matching value, calculating the difference between the identity recognition matching value and the matching threshold, and determining the identity feature recognition result and the payment method according to the difference. The specific process is as follows:

[0060] S501, the bank end node verifies the user authentication information, and after the verification is passed, initiates a face recognition request according to the face information;

[0061] S502, according to the face recognition request, identifying the face information through the identity recognition feature database, determining the identity recognition matching value, calculating the difference between the identity recognition matching value and the matching threshold, and determining the identity feature recognition result and the payment method according to the difference;

[0062] S503, query the user identity information corresponding to the facial information according to the identity feature recognition result and the index of the user identity information, verify the user identity information with the user medical information, and after the verification, generate a medical payment preprocessing task according to the user medical information.

[0063] According to the identity feature recognition results and the index of the user identity information, the corresponding user identity information can be queried. The user identity information is checked with the user's medical information to ensure the accuracy and consistency of the information. After the check is passed, a medical payment pre-processing task can be generated based on the user's medical information. When generating a medical payment pre-processing task, the user's medical information can be considered, including the time of the visit, the department visited, the medical expenses, etc. Based on this information, the pre-processing work of medical payment can be carried out, including the cost settlement, medical reimbursement and other processes, to ensure that users receive timely support and help in terms of medical expenses.

[0064] In actual application scenarios, in order to ensure the security of medical payment, the identity recognition matching value can be further analyzed to determine whether the verification is passed and which payment methods are allowed according to different risk vectors. Figure 6 , the specific process is:

[0065] S601, for each identity feature recognition result and payment method, set a corresponding risk threshold range respectively; wherein the first risk threshold range is that the identity recognition is passed and the payment method is not restricted; the second risk threshold range is that the identity recognition is passed and the payment method is restricted; the third risk threshold range is that the identity recognition is not passed; the payment methods include: payment using a medical account and payment using an ordinary bank account;

[0066] S602, determine the identity feature recognition result and payment method based on the risk threshold range and the difference; when the difference is within the first risk threshold range, the identity recognition is passed, allowing the user to use any payment method; when the difference is within the second risk threshold range, the identity recognition is passed, allowing the user to pay using an ordinary bank account; when the difference is within the third risk threshold range, the identity recognition fails, and the medical payment request is rejected.

[0067] For example, the first risk threshold range is above 15%, identity recognition is passed, and there is no restriction on payment method; the second risk threshold range is from 0% to 15%, identity recognition is passed, and payment method is restricted; the third risk threshold range is below 0%, and identity recognition fails.

[0068] If the facial information is identified through the identity recognition feature number matching threshold database, and the identity recognition matching value is determined to be 85%, and the matching threshold is 80%, then the difference between the identity recognition matching value and the matching threshold is calculated to be 5%, which is within the second risk threshold range. Based on the difference, the identity feature recognition result is determined to be identity recognition passed, and the limited payment method is to allow payment through ordinary bank accounts.

[0069] If the facial information is identified through the identity recognition feature database and the identity recognition matching value is determined to be 75% and the matching threshold is 80%, then the difference between the identity recognition matching value and the matching threshold -5% is calculated, which is within the third risk threshold range and the identity recognition fails.

[0070] In one embodiment, based on Figure 2 The detailed process of information matching and verification can be found in the database architecture relationship. Figure 7 Specifically, the detailed process of using the first identity recognition feature database and the second identity recognition feature database to perform information matching and verification is as follows:

[0071] S701, using the hospital on-site collection module to collect on-site facial information at the hospital end node;

[0072] S702, identifying the face information through the first identity recognition feature database, and searching for the user's first identity information corresponding to the face information according to the index, wherein the user's first identity information corresponds to a bank end node;

[0073] S703, identifying the on-site facial information through the second identity recognition feature database, and querying the user second identity information corresponding to the facial information according to the index, wherein the user second identity information corresponds to the hospital end node;

[0074] S704, matching and checking the user's first identity information, the user's second identity information and the user's medical information, and after the matching and checking, generating a medical payment pre-processing task according to the user's medical information.

[0075] Furthermore, the user's medical information includes at least the user's medical content, user name, identity ID, user mobile phone number information, hospital identification, clinic identification, medical staff identification and multiple preset payment methods.

[0076] The payment methods include: payment using a medical account and payment using an ordinary bank account.

[0077] The medical payment pre-processing tasks also include medical consultation content.

[0078] Among them, users include the patient himself or the payer selected by the patient, such as the patient's guardian, the patient's friend, the patient's family, etc.

[0079] In one embodiment, generating a medical payment pre-processing task according to the user's medical information includes:

[0080] The payment amount is determined based on the content of the medical consultation;

[0081] A medical payment pre-processing task is generated according to the hospital identification, clinic identification, medical staff identification, medical consultation content, payment amount, user name, identity ID and preset multiple payment methods.

[0082] In one embodiment, reference Figure 8 , for (S105), receiving the payment method sent by the user through the user terminal using 5G messages, calling the payment agent interface to generate a bank payment agent task, activating the bank payment agent task according to the user name and identity ID in the medical payment pre-processing task, deducting the payment amount from the user's corresponding account, generating a payment voucher and using 5G messages to feed back the payment voucher to the user terminal, the detailed process is as follows:

[0083] S801, determining the user's account information according to the user name and identity ID in the medical payment pre-processing task, and activating the bank payment task;

[0084] S802: When the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message.

[0085] Specifically, refer to Fig. 9 , for (S802), when the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message. The detailed process is as follows:

[0086] S901, determining the medical account balance of the user according to the medical account information;

[0087] S902: When the balance of the medical account is greater than or equal to the payment amount, the first payment amount is deducted from the balance of the medical account, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message.

[0088] For example, if the balance of the medical account is 1,000 yuan and the payment amount is 500 yuan, the user can directly choose to pay from the medical account to complete the deduction.

[0089] S903, when the balance of the medical account is less than the payment amount, determine the amount to be paid by the user through ordinary bank account payment method according to the balance of the medical account and the payment amount.

[0090] For example, the balance of the medical account is 800 yuan, and the payment amount is 1,000 yuan. The medical account cannot meet the payment. Through calculation, it can be determined that the amount to be paid is 200 yuan. The user needs to use third-party payment to pay the amount to be paid.

[0091] S904, generating payment information according to the amount to be paid and the payment method using a common bank account;

[0092] S905, using a 5G message to send the payment information to the user terminal, so that the user can select a bank account from the ordinary bank account payment method according to the payment information;

[0093] S906, receiving the bank account uploaded by the user terminal via 5G message, deducting the balance of the medical account and the corresponding amount to be paid in the bank account, generating a payment voucher and feeding back the payment voucher to the user terminal via 5G message.

[0094] In actual application scenarios, users can also pay directly using ordinary bank accounts. The corresponding processing methods are:

[0095] When the payment method is to pay with an ordinary bank account, the payment amount is deducted from the bank account selected by the user, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

[0096] The medical payment data processing method based on 5G messages proposed in the present invention can realize the cooperation between banks and hospitals in processing medical payment bills. In the hospital scenario, after the user's diagnosis, a medical payment bill is generated according to the user's medical information and medical expenses; the user's identity is verified using the distributed identity recognition feature database set by the bank and the hospital, and the bill information is provided to the bank after the verification, which may include personal information, medical information, and expense details; when the bank processes the bill payment, after receiving the medical payment bill information, the bank activates the deduction task according to the medical payment pre-processing task, and uses the medical account or ordinary bank account to pay medical expenses through electronic payment. When confirming the payment result, the hospital system and the bank system conduct information docking to ensure the accuracy of the payment result; once the payment is successful, the hospital system will update the user's payment status and notify the customer through 5G messages. Through the cooperation between banks and hospitals to process medical payment bills, the convenience and security of payment can be improved, a more convenient payment method can be provided for users, and the cash management pressure of hospitals can be reduced.

[0097] It should be noted that, although the operations of the method of the present invention are described in a specific order in the above embodiments and the accompanying drawings, this does not require or imply that the operations must be performed in the specific order, or that all the operations shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps.

[0098] refer to Fig.10 , which is an exemplary application scenario of the present invention. For the hospital and the bank to sign an agreement, the user end is responsible for outputting the file upload page to the 5G message service operation platform through the API interface. The user will confirm his or her personal information through this page. After the review is passed, the system automatically uploads the encrypted batch files and transfers the funds in batches on a daily basis.

[0099] The user's 5G terminal mainly involves initiating medical payment requests, scanning facial information, and displaying 5G messages. The operator is mainly used to authenticate information, record logs, and identify user information. The bank verifies user information and calls the database service interface to initiate a facial recognition request. The database service is used to perform facial recognition through the facial database and push the facial recognition results to the bank's end node; after the facial recognition is passed, the bank initiates the payment service, and after processing the medical payment pre-processing tasks, activates the payment service and redeems the medical payment; after the redemption is completed, the payment voucher is sent to the user's 5G terminal using 5G messages.

[0100] In order to ensure the security and accuracy of information, the overall process includes the confirmation and review of user information, the encryption and secure upload of files, and the accurate transfer of funds. During the implementation process, data privacy and security protection need to be fully considered to ensure the compliance and security of the entire process. At the same time, the system also needs to have efficient processing capabilities to ensure the smooth progress and timely completion of the process.

[0101] The bank's face recognition privacy protection solution based on multi-party secure computing provides face recognition technology services without obtaining the plain text face data of the partner's users. Under the framework of the privacy policy agreed by the user, the agent partner completes the user authentication to meet the user's face privacy protection needs.

[0102] The present invention can protect user privacy while meeting the user's face recognition needs. At the same time, under the privacy policy framework agreed by the user, the agent partner completes the user authentication to further protect the user's privacy. This method fully considers the needs of data privacy and security protection.

[0103] When a user registers their face, the partner collects facial features and uses secret sharing to encrypt the plaintext data into shards and send them to the multi-party secure computing platform jointly built by the bank and the partner. The facial shards are stored separately in the bank's and the partner's respective facial feature ciphertext libraries. When the user's face is recognized, the partner collects on-site facial photos and sends the on-site facial data in the form of ciphertext shards to the multi-party secure computing platform. Through the service nodes of the partner and the financial institution, the facial feature ciphertext shards at the time of registration are queried respectively, and the facial feature comparison is completed on the multi-party secure computing platform.

[0104] After introducing the method of the exemplary embodiment of the present invention, next, refer to Fig.11 A medical payment data processing device based on 5G messages according to an exemplary embodiment of the present invention is introduced.

[0105] The implementation of the medical payment data processing device based on 5G messages can refer to the implementation of the above method, and the repetitions will not be repeated. The terms "module" or "unit" used below may be a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0106] Based on the same inventive concept, the present invention also proposes a medical payment data processing device based on 5G messages, such as Fig.11 As shown, the device comprises:

[0107] The database construction module 110 is used to construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized by the user;

[0108] The request processing module 120 is used to obtain a medical payment request initiated by a user terminal, the medical payment request carries the user's mobile phone number information and the user's medical treatment information, performs information authentication according to the user's mobile phone number information in the medical payment request, obtains user authentication information, and calls the user terminal to collect the user's identity recognition features according to the user authentication information;

[0109] The identity recognition module 130 is used to identify the identity recognition features of the user according to the identity recognition feature database, determine the identity recognition matching value, calculate the difference between the identity recognition matching value and the matching threshold, and determine the identity feature recognition result and the payment method according to the difference; wherein, after the identity feature recognition result is recognized as passed, a medical payment pre-processing task is generated according to the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method;

[0110] The task sending module 140 is used to send the medical payment pre-processing task to the user using a 5G message according to the user's mobile phone number information, so that the user can select a payment method according to the medical payment pre-processing task;

[0111] The payment processing module 150 is used to receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical payment preprocessing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feed back the payment voucher to the user terminal.

[0112] In one embodiment, the database construction module 110 constructs an identity recognition feature database, including:

[0113] After the user authorizes the collection of identity information, the user's identity information and identity recognition features are collected, wherein the user's identity information at least includes the user's name, identity ID, and user's mobile phone number information; the identity recognition features at least include one or more of fingerprint scan data, iris scan data, and facial recognition data;

[0114] Constructing a first identity recognition feature database and a second identity recognition feature database, wherein the first identity recognition feature database is located at a bank end node, and the second identity recognition feature database is located at a hospital end node;

[0115] Extracting feature values ​​from the identity recognition feature, performing random fragmentation processing on the extracted feature values ​​to obtain ciphertext feature fragments, and storing them in the first identity recognition feature database and the second identity recognition feature database respectively;

[0116] An index of the ciphertext feature fragments and the user identity information is established, and the user identity information is identified by using the index when matching and verifying the identity recognition features.

[0117] In one embodiment, the request processing module 120 obtains a medical payment request initiated by a user terminal, the medical payment request carries user mobile phone number information and user medical information, performs information authentication according to the user mobile phone number information in the medical payment request, obtains user authentication information, and calls the user terminal to collect the user's identity recognition features according to the user authentication information, including:

[0118] After the user terminal initiates a medical payment request, it jumps to the bank's face verification page, calls the face collection module of the user terminal to collect face information, and triggers the operator to perform information authentication;

[0119] The operator authenticates the user's mobile phone number information in the medical payment request, obtains user authentication information, and pushes the user authentication information to the bank end node.

[0120] In one embodiment, the identity recognition module 130 recognizes the identity recognition feature of the user according to the identity recognition feature database, determines the identity recognition matching value, calculates the difference between the identity recognition matching value and the matching threshold, and determines the identity feature recognition result and the payment method according to the difference, including:

[0121] The bank end node verifies the user authentication information and initiates a face recognition request based on the face information after the verification is passed;

[0122] According to the face recognition request, the face information is recognized through the identity recognition feature database, an identity recognition matching value is determined, a difference between the identity recognition matching value and a matching threshold is calculated, and an identity feature recognition result and a payment method are determined according to the difference;

[0123] The user identity information corresponding to the facial information is queried according to the identity feature recognition result and the index of the user identity information, and the user identity information is compared with the user medical information. After the comparison is passed, a medical payment preprocessing task is generated according to the user medical information.

[0124] In one embodiment, the identity recognition module 130, according to the face recognition request, recognizes the face information through the identity recognition feature database, determines the identity recognition matching value, calculates the difference between the identity recognition matching value and the matching threshold, and determines the identity feature recognition result and the payment method according to the difference, including:

[0125] For each identity feature recognition result and payment method, a corresponding risk threshold range is set respectively; wherein the first risk threshold range is that the identity recognition is passed and the payment method is not restricted; the second risk threshold range is that the identity recognition is passed and the payment method is restricted; the third risk threshold range is that the identity recognition is not passed; the payment methods include: payment using a medical account and payment using an ordinary bank account;

[0126] According to the risk threshold range and the difference, the identity feature recognition result and the payment method are determined; wherein, when the difference is within the first risk threshold range, the identity recognition is passed, and the user is allowed to use any payment method; when the difference is within the second risk threshold range, the identity recognition is passed, and the user is allowed to pay using an ordinary bank account; when the difference is within the third risk threshold range, the identity recognition fails, and the medical payment request is rejected.

[0127] In one embodiment, the identity recognition module 130 is further used to:

[0128] Use the hospital on-site collection module to collect on-site facial information at the hospital end node;

[0129] Identify the facial information through the first identity recognition feature database, and query the user's first identity information corresponding to the facial information according to the index, wherein the user's first identity information corresponds to a bank end node;

[0130] Identify the on-site facial information through the second identity recognition feature database, and query the user's second identity information corresponding to the facial information according to the index, wherein the user's second identity information corresponds to the hospital end node;

[0131] The user's first identity information, the user's second identity information and the user's medical information are matched and checked. After the check is passed, a medical payment pre-processing task is generated according to the user's medical information.

[0132] In one embodiment, the user's medical information includes at least the user's medical content, user name, identity ID, user mobile phone number information, hospital identification, clinic identification, medical staff identification and multiple preset payment methods;

[0133] The medical payment pre-processing tasks also include medical consultation content.

[0134] In one embodiment, the identity recognition module 130 generates a medical payment pre-processing task according to the user's medical information, including:

[0135] The payment amount is determined based on the content of the medical consultation;

[0136] A medical payment pre-processing task is generated according to the hospital identification, clinic identification, medical staff identification, medical consultation content, payment amount, user name, identity ID and preset multiple payment methods.

[0137] In one embodiment, the payment processing module 150 receives the payment method sent by the user through the user terminal using a 5G message, calls the payment agent interface to generate a bank payment agent task, activates the bank payment agent task according to the user name and identity ID in the medical payment pre-processing task, deducts the payment amount from the user's corresponding account, generates a payment voucher, and feeds the payment voucher back to the user terminal using a 5G message, including:

[0138] Determine the user's account information according to the user name and identity ID in the medical payment pre-processing task, and activate the bank payment task;

[0139] When the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

[0140] In one embodiment, when the payment method is to pay using a medical account, the payment processing module 150 deducts the payment amount from the user's medical account according to the account information, generates a payment voucher, and feeds the payment voucher back to the user terminal using a 5G message, including:

[0141] determining a medical account balance of the user based on the medical account information;

[0142] When the balance of the medical account is greater than or equal to the payment amount, the first payment amount is deducted from the balance of the medical account, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message;

[0143] When the balance of the medical account is less than the payment amount, the amount to be paid by the user through ordinary bank account payment is determined according to the balance of the medical account and the payment amount;

[0144] Generate payment information based on the amount to be paid and payment method using ordinary bank accounts;

[0145] The payment information is sent to the user terminal using 5G messages, so that the user can select a bank account from the payment methods using ordinary bank accounts according to the payment information;

[0146] Receive the bank account uploaded by the user terminal via 5G message, deduct the balance of the medical account and the corresponding amount to be paid in the bank account, generate a payment voucher and use 5G message to feed back the payment voucher to the user terminal.

[0147] In one embodiment, the payment processing module 150 is further used to:

[0148] When the payment method is to pay with an ordinary bank account, the payment amount is deducted from the bank account selected by the user, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

[0149] It should be noted that although several modules of the medical payment data processing device based on 5G messages are mentioned in the above detailed description, this division is only exemplary and not mandatory. In fact, according to an embodiment of the present invention, the features and functions of two or more modules described above can be concretized in one module. Conversely, the features and functions of one module described above can be further divided into multiple modules for concretization.

[0150] Based on the above invention concept, Fig.12 As shown, the present invention also proposes a computer device 1200, including a memory 1210, a processor 1220, and a computer program 1230 stored in the memory 1210 and executable on the processor 1220, wherein the processor 1220 implements the aforementioned medical payment data processing method based on 5G messages when executing the computer program 1230.

[0151] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the aforementioned medical payment data processing method based on 5G messages.

[0152] Based on the aforementioned inventive concept, the present invention proposes a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements a medical payment data processing method based on 5G messages.

[0153] The medical payment data processing method and device based on 5G messages proposed in the present invention construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user; a medical payment request initiated by a user terminal is obtained, wherein the medical payment request carries the user's mobile phone number information and the user's medical treatment information, information authentication is performed according to the user's mobile phone number information in the medical payment request to obtain user authentication information, and the user terminal is called according to the user authentication information to collect the user's identity recognition features; the identity recognition features of the user are identified according to the identity recognition feature database, an identity recognition matching value is determined, a difference between the identity recognition matching value and a matching threshold is calculated, and an identity feature recognition result and a payment method are determined according to the difference. Formula; wherein, after the identity feature recognition result is recognized as passed, a medical payment preprocessing task is generated according to the user's medical information; the medical payment preprocessing task includes the payment amount, user name, identity ID and payment method; according to the user's mobile phone number information, the medical payment preprocessing task is sent to the user by using 5G message, so that the user can select the payment method according to the medical payment preprocessing task; the payment method sent by the user through the user terminal by using 5G message is received, the payment interface is called to generate a bank payment task, the bank payment task is activated according to the user name and identity ID in the medical payment preprocessing task, the payment amount is deducted from the user's corresponding account, a payment voucher is generated and the payment voucher is fed back to the user terminal by using 5G message. The overall solution allows users to use 5G messages through terminals to verify their identities, process medical payment bills, and pay medical fees. In actual application scenarios, the information exchange between banks and hospitals is opened up through the identity recognition feature database, and user identity authentication is performed in multiple dimensions such as the identity recognition feature database and mobile phone number authentication to ensure the accuracy and security of identity matching and verification, and to protect the safety of user property. Users can complete payment through fast and convenient self-service operations without waiting in line, which improves payment processing efficiency and user experience. In actual application scenarios, it can effectively improve the processing efficiency of medical payment data of banks and hospitals, and provide strong technical support for the business scenarios of bank-medical cooperation.

[0154] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of laws and regulations.

[0155] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, devices, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0156] The present invention is described with reference to flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0157] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0158] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0159] Finally, it should be noted that the above-described embodiments are only specific implementations of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The protection scope of the present invention is not limited thereto. Although the present invention is described in detail with reference to the above-described embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-described embodiments within the technical scope disclosed by the present invention, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A medical payment data processing method based on 5G messages, characterized in that: include: Constructing an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user; Obtain a medical payment request initiated by a user terminal, the medical payment request carrying the user's mobile phone number information and the user's medical treatment information, perform information authentication based on the user's mobile phone number information in the medical payment request, obtain user authentication information, and call the user terminal to collect the user's identity recognition features based on the user authentication information; Identify the user's identity recognition features according to the identity recognition feature database, determine the identity recognition matching value, calculate the difference between the identity recognition matching value and the matching threshold, and determine the identity feature recognition result and the payment method according to the difference; wherein, after the identity feature recognition result is recognized as passed, generate a medical payment pre-processing task according to the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method; According to the user's mobile phone number information, the medical payment pre-processing task is sent to the user by using 5G message, so that the user can choose the payment method according to the medical payment pre-processing task; Receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical redemption preprocessing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feed back the payment voucher to the user terminal.

2. The method according to claim 1, characterized in that Build an identity recognition feature database, including: After the user authorizes the collection of identity information, the user's identity information and identity recognition features are collected, wherein the user's identity information at least includes the user's name, identity ID, and user's mobile phone number information; the identity recognition features at least include one or more of fingerprint scan data, iris scan data, and facial recognition data; Constructing a first identity recognition feature database and a second identity recognition feature database, wherein the first identity recognition feature database is located at a bank end node, and the second identity recognition feature database is located at a hospital end node; Extracting feature values ​​from the identity recognition feature, performing random fragmentation processing on the extracted feature values ​​to obtain ciphertext feature fragments, and storing them in the first identity recognition feature database and the second identity recognition feature database respectively; An index of the ciphertext feature fragments and the user identity information is established, and the user identity information is identified by using the index when matching and verifying the identity recognition features.

3. The method according to claim 1, characterized in that Obtain a medical payment request initiated by a user terminal, the medical payment request carries the user's mobile phone number information and the user's medical treatment information, perform information authentication according to the user's mobile phone number information in the medical payment request, obtain user authentication information, and call the user terminal to collect the user's identity recognition features according to the user authentication information, including: After the user terminal initiates a medical payment request, it jumps to the bank's face verification page, calls the face collection module of the user terminal to collect face information, and triggers the operator to perform information authentication; The operator authenticates the user's mobile phone number information in the medical payment request, obtains user authentication information, and pushes the user authentication information to the bank end node.

4. The method according to claim 1, characterized in that Identifying the identity recognition feature of the user according to the identity recognition feature database, determining an identity recognition matching value, calculating a difference between the identity recognition matching value and a matching threshold, and determining an identity feature recognition result and a payment method according to the difference, including: The bank end node verifies the user authentication information and initiates a face recognition request based on the face information after the verification is passed; According to the face recognition request, the face information is recognized through the identity recognition feature database, an identity recognition matching value is determined, a difference between the identity recognition matching value and a matching threshold is calculated, and an identity feature recognition result and a payment method are determined according to the difference; The user identity information corresponding to the facial information is queried according to the identity feature recognition result and the index of the user identity information, and the user identity information is compared with the user medical information. After the comparison is passed, a medical payment preprocessing task is generated according to the user medical information.

5. The method according to claim 4, characterized in that According to the face recognition request, the face information is recognized through the identity recognition feature database, an identity recognition matching value is determined, a difference between the identity recognition matching value and a matching threshold is calculated, and an identity feature recognition result and a payment method are determined according to the difference, including: For each identity feature recognition result and payment method, a corresponding risk threshold range is set respectively; wherein the first risk threshold range is that the identity recognition is passed and the payment method is not restricted; the second risk threshold range is that the identity recognition is passed and the payment method is restricted; the third risk threshold range is that the identity recognition is not passed; the payment methods include: payment using a medical account and payment using an ordinary bank account; According to the risk threshold range and the difference, the identity feature recognition result and the payment method are determined; wherein, when the difference is within the first risk threshold range, the identity recognition is passed, and the user is allowed to use any payment method; when the difference is within the second risk threshold range, the identity recognition is passed, and the user is allowed to pay using an ordinary bank account; when the difference is within the third risk threshold range, the identity recognition fails, and the medical payment request is rejected.

6. The method according to claim 2, characterized in that The method further includes: Use the hospital on-site collection module to collect on-site facial information at the hospital end node; Identify the facial information through the first identity recognition feature database, and query the user's first identity information corresponding to the facial information according to the index, wherein the user's first identity information corresponds to a bank end node; Identify the on-site facial information through the second identity recognition feature database, and query the user's second identity information corresponding to the facial information according to the index, wherein the user's second identity information corresponds to the hospital end node; The user's first identity information, the user's second identity information and the user's medical information are matched and checked. After the check is passed, a medical payment pre-processing task is generated according to the user's medical information.

7. The method according to claim 1, characterized in that The user's medical information at least includes the user's medical content, user name, identity ID, user mobile phone number information, hospital identification, clinic identification, medical staff identification and multiple preset payment methods; The medical payment pre-processing tasks also include medical consultation content.

8. The method according to claim 7, characterized in that Generate a medical payment pre-processing task according to the user's medical information, including: The payment amount is determined based on the content of the medical consultation; A medical payment pre-processing task is generated according to the hospital identification, clinic identification, medical staff identification, medical consultation content, payment amount, user name, identity ID and preset multiple payment methods.

9. The method according to claim 1, characterized in that: Receiving the payment method sent by the user through the user terminal using 5G messages, calling the payment agent interface to generate a bank payment agent task, activating the bank payment agent task according to the user name and identity ID in the medical payment pre-processing task, deducting the payment amount from the user's corresponding account, generating a payment voucher and feeding the payment voucher back to the user terminal using 5G messages, including: Determine the user's account information according to the user name and identity ID in the medical payment pre-processing task, and activate the bank payment task; When the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

10. The method according to claim 9, characterized in that When the payment method is to pay using a medical account, the payment amount is deducted from the user's medical account according to the account information, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message, including: determining a medical account balance of the user based on the medical account information; When the balance of the medical account is greater than or equal to the payment amount, the first payment amount is deducted from the balance of the medical account, a payment voucher is generated, and the payment voucher is fed back to the user terminal using a 5G message; When the balance of the medical account is less than the payment amount, the amount to be paid by the user through ordinary bank account payment is determined according to the balance of the medical account and the payment amount; Generate payment information based on the amount to be paid and payment method using ordinary bank accounts; The payment information is sent to the user terminal using 5G messages, so that the user can select a bank account from the payment methods using ordinary bank accounts according to the payment information; Receive the bank account uploaded by the user terminal via 5G message, deduct the balance of the medical account and the corresponding amount to be paid in the bank account, generate a payment voucher and use 5G message to feed back the payment voucher to the user terminal.

11. The method according to claim 1, characterized in that Also includes: When the payment method is to pay with an ordinary bank account, the payment amount is deducted from the bank account selected by the user, a payment voucher is generated and the payment voucher is fed back to the user terminal using a 5G message.

12. A medical payment data processing device based on 5G messages, characterized in that: include: A database construction module is used to construct an identity recognition feature database; wherein the data in the identity recognition feature database has been authorized for use by the user; A request processing module is used to obtain a medical payment request initiated by a user terminal, wherein the medical payment request carries the user's mobile phone number information and the user's medical treatment information, performs information authentication according to the user's mobile phone number information in the medical payment request, obtains user authentication information, and calls the user terminal to collect the user's identity recognition features according to the user authentication information; An identity recognition module is used to recognize the identity recognition features of the user according to the identity recognition feature database, determine the identity recognition matching value, calculate the difference between the identity recognition matching value and the matching threshold, and determine the identity feature recognition result and the payment method according to the difference; wherein, after the identity feature recognition result is recognized as passed, a medical payment pre-processing task is generated according to the user's medical information; the medical payment pre-processing task includes the payment amount, user name, identity ID and payment method; A task sending module is used to send the medical payment pre-processing task to the user using 5G messages according to the user's mobile phone number information, so that the user can choose a payment method according to the medical payment pre-processing task; The payment processing module is used to receive the payment method sent by the user through the user terminal using 5G messages, call the payment interface to generate a bank payment task, activate the bank payment task according to the user name and identity ID in the medical redemption pre-processing task, deduct the payment amount from the user's corresponding account, generate a payment voucher and use 5G messages to feed back the payment voucher to the user terminal.

13. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 11 is implemented.

14. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 11 is implemented.

15. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 11 is implemented.

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