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

Abstract

The embodiment of the invention discloses a medical insurance payment system, which is characterized in that non-accepting equipment responds to non-contact communication with a user terminal, acquires a medical insurance electronic certificate of a user from a medical insurance system, and sends the medical insurance electronic certificate to a medical service system; and the medical service system queries the medical service executed by the user and the corresponding amount to be paid according to the medical insurance electronic certificate, and performs settlement payment by adopting the medical insurance account of the user through the medical insurance system. Through the above system, the user only needs to use the user terminal of the user to carry out one-time non-contact communication with the non-accepting equipment, the medical service system and the medical insurance system can cooperate with each other, and based on the medical insurance electronic certificate of the user, the medical insurance account of the user is adopted to carry out settlement payment on the medical service executed by the user at this time. And the efficiency and convenience of medical insurance payment can be effectively improved.

Description

Technical Field

[0001] This specification relates to the field of computer technology, and particularly to a medical insurance payment system, method, device, storage medium, and electronic device. Background Art

[0002] Medical services such as seeing a doctor and taking medicine are services that everyone needs to perform in daily life. The payment process in medical services is cumbersome and complex, which is a pain point in this field.

[0003] Currently, when a user pays for medical expenses through their medical insurance account, they usually need to use their own social security card and complete the payment by inserting the social security card into the self-service terminal of the medical institution.

[0004] However, as can be seen from the large number of lost social security cards stored in the lost and found offices beside the self-service terminals in major hospitals all year round, the existing medical insurance payment methods in the prior art are not only inefficient, extremely inconvenient for users to pay, but also very likely to cause the loss of social security cards. Summary of the Invention

[0005] Embodiments of this specification provide a medical insurance payment system, method, device, storage medium, and electronic device to partially solve the problems existing in the above prior art.

[0006] Embodiments of this specification adopt the following technical solutions: A payment system provided in this specification, the payment system includes: a user terminal, a non-contact receiving device, a medical service system, and a medical insurance system; where: The user terminal is used to perform non-contact communication with the non-contact receiving device; The non-contact receiving device, in response to non-contact communication with the user terminal, obtains the user's medical insurance electronic voucher from the medical insurance system and sends the medical insurance electronic voucher to the medical service system; The medical service system is used to query the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic voucher, and send the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system; The medical insurance system is used to provide the user's medical insurance electronic voucher to the non-contact receiving device, and determine the user's medical insurance account according to the medical insurance electronic voucher sent by the medical service system. According to the medical insurance account, the medical service, and the amount to be paid sent by the medical service system, the medical service is settled and paid.

[0007] A medical insurance payment method provided in this specification, the method is applied to a user terminal, and the method includes: Perform non-contact communication with the non-accepting management device, enabling the non-accepting management device to obtain the user's medical insurance electronic voucher from the medical insurance system and send the medical insurance electronic voucher to the medical service system, so that the medical service system can query the amount to be paid corresponding to the medical service performed by the user based on the medical insurance electronic voucher, and send the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system, enabling the medical insurance system to determine the user's medical insurance account based on the medical insurance electronic voucher, and settle and pay for the medical service according to the medical insurance account, the medical service, and the amount to be paid; Receive the payment result of the medical service returned by the medical insurance system and display it.

[0008] A medical insurance payment method provided in this specification, which is applied to a non-accepting management device, and the method includes: In response to non-contact communication with the user terminal, obtain the user's medical insurance electronic voucher from the medical insurance system; Send the medical insurance electronic voucher to the medical service system, enabling the medical service system to query the amount to be paid corresponding to the medical service performed by the user based on the medical insurance electronic voucher, and send the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system, so that the medical insurance system can determine the user's medical insurance account based on the medical insurance electronic voucher, and settle and pay for the medical service according to the medical insurance account, the medical service, and the amount to be paid.

[0009] A medical insurance payment method provided in this specification, which is applied to a non-accepting management server, and the method includes: Pre-obtain the medical insurance payment page address from the medical insurance system and send the medical insurance payment page address to the non-accepting management device; Receive the user's medical insurance electronic voucher sent by the medical insurance system; wherein, when the user's user terminal performs non-contact communication with the non-accepting management device, after obtaining the medical insurance payment page address saved by the non-accepting management device based on the non-contact communication, the medical insurance system is instructed to send the medical insurance electronic voucher through the medical insurance payment page address; Send the medical insurance electronic voucher to the non-accepting management device, enabling the non-accepting management device to send the medical insurance electronic voucher to the medical service system, so that the medical service system can query the amount to be paid corresponding to the medical service performed by the user based on the medical insurance electronic voucher, and send the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system, enabling the medical insurance system to determine the user's medical insurance account based on the medical insurance electronic voucher, and settle and pay for the medical service according to the medical insurance account, the medical service, and the amount to be paid.

[0010] A medical insurance payment device provided in this specification, the device is applied to a user terminal, and the device includes: A non-contact communication module, configured to perform non-contact communication with a non-accepting device, so that the non-accepting device obtains the user's medical insurance electronic voucher from the medical insurance system, and sends the medical insurance electronic voucher to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system, so that the medical insurance system determines the user's medical insurance account according to the medical insurance electronic voucher, and settles and pays the medical service according to the medical insurance account, the medical service, and the amount to be paid; A receiving module, configured to receive the payment result of the medical service returned by the medical insurance system and display it.

[0011] A medical insurance payment device provided in this specification, the device is applied to a non-accepting device, and the device includes: An obtaining module, configured to obtain the user's medical insurance electronic voucher from the medical insurance system in response to non-contact communication with the user terminal; A sending module, configured to send the medical insurance electronic voucher to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system, so that the medical insurance system determines the user's medical insurance account according to the medical insurance electronic voucher, and settles and pays the medical service according to the medical insurance account, the medical service, and the amount to be paid.

[0012] A medical insurance payment device provided in this specification, the device is applied to a non-accepting service end, and the device includes: A page address transmission module, configured to obtain a medical insurance payment page address from the medical insurance system in advance and send the medical insurance payment page address to the non-accepting device; A receiving module, configured to receive the user's medical insurance electronic voucher sent by the medical insurance system; wherein, the medical insurance electronic voucher is sent by the medical insurance system instructed by the medical insurance payment page address after the user's user terminal performs non-contact communication with the non-accepting device and obtains the medical insurance payment page address saved by the non-accepting device based on the non-contact communication; A sending module, configured to send the medical insurance electronic voucher to the non-accepting and processing device, so that the non-accepting and processing device sends the medical insurance electronic voucher to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system determines the user's medical insurance account according to the medical insurance electronic voucher, and settles and pays the medical service according to the medical insurance account, the medical service and the amount to be paid.

[0013] A computer-readable storage medium provided in this specification, the storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned medical insurance payment method is implemented.

[0014] An electronic device provided in this specification, including a memory, a processor, and a computer program stored on the memory and executable on the processor, and when the processor executes the program, the above-mentioned medical insurance payment method is implemented.

[0015] The above-mentioned at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects: The embodiments of this specification disclose a medical insurance payment system. In response to non-contact communication with a user terminal, a non-accepting and processing device obtains a user's medical insurance electronic voucher from a medical insurance system, and sends the medical insurance electronic voucher to a medical service system. The medical service system queries the medical service performed by the user and the corresponding amount to be paid according to the medical insurance electronic voucher, and settles and pays through the medical insurance system using the user's medical insurance account. Through the above system, the user only needs to use his own user terminal to perform a non-contact communication with the non-accepting and processing device, and the medical service system and the medical insurance system can cooperate with each other, and based on the user's medical insurance electronic voucher, use the user's medical insurance account to settle and pay for the medical service performed by the user this time, which can effectively improve the efficiency and convenience of medical insurance payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The drawings described herein are used to provide a further understanding of this specification, and constitute a part of this specification. The illustrative embodiments and descriptions of this specification are used to explain this specification and do not constitute an improper limitation of this specification. In the drawings: Figure 1 It is a schematic structural diagram of a medical insurance payment system provided by an embodiment of this specification; Figure 2 It is a schematic diagram of the detailed acquisition process of the medical insurance electronic voucher provided by an embodiment of this specification; Figure 3 It is a schematic diagram of the medical insurance payment page displayed by the user terminal provided by an embodiment of this specification; Figure 4 Schematic diagram of other users associated with medical insurance shown on the user terminal provided in the embodiments of this specification; Figure 5 Schematic diagram of switching the location of medical insurance shown on the user terminal provided in the embodiments of this specification; Figure 6 Schematic diagram of payment result shown on the user terminal provided in the embodiments of this specification; Figure 7 Schematic diagram of a medical insurance payment device provided in the embodiments of this specification; Figure 8 Schematic diagram of another medical insurance payment device provided in the embodiments of this specification; Figure 9 Schematic diagram of yet another medical insurance payment device provided in the embodiments of this specification; Figure 10 Schematic diagram of the structure of the electronic device provided in the embodiments of this specification. Detailed implementation manners

[0017] 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 the specific embodiments of this specification and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, rather than all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by those of ordinary skill in the art without making creative efforts shall fall within the protection scope of this specification.

[0018] The following will describe in detail the technical solutions provided in each embodiment of this specification with reference to the drawings.

[0019] Figure 1 Schematic diagram of the structure of a medical insurance payment system provided in the embodiments of this specification, including: user terminal, non-accepting processing device, medical service system, and medical insurance system.

[0020] Among them, the user terminal includes the terminal used by the paying user, especially a mobile terminal, such as a mobile phone, smart watch, etc.

[0021] The non-accepting processing device is a device for providing various electronic payment methods to users, and can provide various offline electronic payment methods, including code scanning, face scanning, electronic payment based on non-contact communication, etc. In this specification, only the case where the non-accepting processing device provides electronic payment based on non-contact communication is taken as an example for illustration. This non-accepting processing device is connected to the medical service system and can be connected to the medical service system through a wired cable or a wireless network (such as WiFi).

[0022] A medical business system is a system used by offline medical institutions such as hospitals and pharmacies to manage patient diagnosis and treatment (such as patient registration, etc.) and hospital operations (such as cooperation among medical technology departments, etc.). It can record the medical services performed by users in the medical institution based on the user's information. The back-end management personnel of the medical institution can also pre-configure the collection amount corresponding to each medical service in the medical business system, and then the medical business system can also query the amount to be paid corresponding to the medical services performed by the user. The medical business system is also connected to the medical insurance system and can cooperate with the medical insurance system to settle and pay for the user using medical insurance.

[0023] The medical insurance system is a system used by official medical insurance institutions to manage users' medical insurance accounts and settle and pay for users using medical insurance accounts. When using the medical insurance account to calculate and pay for the user, it is also necessary to provide the medical insurance electronic voucher for electronic payment.

[0024] As Figure 1 shown, based on the above medical insurance payment system, the medical insurance payment process in the embodiments of this specification may include the following steps: S100: The user terminal performs non-contact communication with the non-accepting device.

[0025] S102: In response to the non-contact communication with the user terminal, the non-accepting device obtains the user's medical insurance electronic voucher from the medical insurance system.

[0026] The payment system provided in the embodiments of this specification may also include a non-accepting server corresponding to the non-accepting device at the back end. The non-accepting server can pre-obtain the medical insurance payment page address from the medical insurance system and write the medical insurance payment page address into the non-accepting device for storage. The medical insurance payment page address may specifically be the Uniform Resource Locator (URL) of the medical insurance payment page. After the non-accepting device stores the medical insurance payment page, it can broadcast an access signal in real time.

[0027] In step S100, when the user terminal approaches the non-accepting device, it can receive the access signal broadcast by the non-accepting device and establish non-contact communication with the non-accepting device according to the access signal.

[0028] In step S102, the non-accepting device can send the pre-written medical insurance payment page address and the device identifier of the non-accepting device to the user terminal based on the non-contact communication. The user terminal then accesses the medical insurance system according to the medical insurance payment page address, obtains and displays the medical insurance payment page provided by the non-accepting server to the user. The medical insurance payment page contains an inquiry message asking whether to authorize the medical insurance system to provide the user's medical insurance electronic voucher to the non-accepting device. When the user operates on the medical insurance payment page, such as clicking the confirmation button, the user terminal can confirm that the user has authorized the medical insurance system to provide the user's medical insurance electronic voucher to the non-accepting device. Therefore, the authorization message and the device identifier of the non-accepting device can be sent to the medical insurance system. After receiving the authorization message, the medical insurance system can generate the user's medical insurance electronic voucher and send the medical insurance electronic voucher to the non-accepting device according to the device identifier of the non-accepting device.

[0029] Through steps S100 to S102, the non-accepting device can obtain the user's medical insurance electronic voucher. The process shown in steps S100 to S102 can be referred to as the acquisition process of the medical insurance electronic voucher. The acquisition process of the medical insurance electronic voucher will be described in detail later.

[0030] S104: The non-accepting device sends the medical insurance electronic voucher to the medical service system.

[0031] S106: The medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic voucher.

[0032] S108: The medical service system sends the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system.

[0033] In the embodiment of the present specification, the medical insurance electronic voucher generated by the medical insurance system for the user in step S102 contains the user information of the user. After the non-accepting device sends the medical insurance electronic voucher of the user to the medical service system through the connection with the medical service system of the medical institution, the medical service system can obtain the user information contained in the medical insurance electronic voucher, query the medical service performed by the user in the medical institution according to the user information, and then determine the amount to be paid corresponding to the medical service performed by the user according to the corresponding relationship between each medical service and the amount to be paid configured in advance.

[0034] Since subsequent settlement and payment need to be made through the user's medical insurance account, the medical system can send the user's medical insurance electronic voucher, the medical service performed by the user, and the corresponding amount to be paid to the medical insurance system.

[0035] S110: The medical insurance system determines the user's medical insurance account based on the medical insurance electronic voucher sent by the medical service system.

[0036] In the embodiments of this specification, after the medical insurance system receives the medical insurance electronic voucher of this user sent by the medical service system, it can query the user's medical insurance account according to the user information contained in the medical insurance electronic voucher, and determine each fund pool corresponding to the user's medical insurance account for paying medical expenses. Among them, the fund pools corresponding to the user's medical insurance account described in this specification include but are not limited to: the fund pool corresponding to the user's personal medical insurance account, the fund pool corresponding to the user's overall medical insurance fund, the fund pool corresponding to the user's other reimbursement methods (such as third-party commercial medical insurance reimbursement, etc.), and the fund pool corresponding to the user's general payment account.

[0037] Among them, the user's personal medical insurance account refers to the medical insurance fund account exclusive to the user stipulated in China's medical insurance system. The source of funds in the fund pool corresponding to this personal account is part of the funds deducted from the user's personal salary every month and part of the funds paid by the user's employer. The user's overall medical insurance fund refers to the "public fund pool" of medical insurance in China's medical insurance system, which is jointly paid by all insured persons and uniformly allocated and used. The source of funds in the fund pool corresponding to this overall medical insurance fund is the funds paid by the user's employer or the funds subsidized by the official. The third-party commercial medical insurance insured by the user is the commercial medical insurance that the user purchases from a third party in addition to participating in the medical insurance stipulated in China's medical insurance system. The user's general payment account is the account registered by the user in a bank or a third-party financial institution, and the user can use this account to pay any type of expenses.

[0038] S112: Settle and pay the medical service according to the medical insurance account, the medical service sent by the medical service system, and the amount to be paid.

[0039] After the medical insurance system determines each fund pool corresponding to the user's medical insurance account, for each fund pool, according to the medical service performed by the user and the corresponding amount to be paid sent by the medical service system, and adopting the settlement rule corresponding to this fund pool, determine the amount that needs to be paid from this fund pool. Finally, settle and pay the medical service performed by the user according to the amount determined for each fund pool.

[0040] Specifically, the medical insurance system can first determine the amount to be paid from the medical insurance personal account and the corresponding fund pool of the overall medical insurance fund for this user according to the settlement rules, and then determine the amount to be paid from the corresponding fund pool of other reimbursement methods for this user based on the remaining amount and the settlement rules of the corresponding fund pool of other reimbursement methods for this user. Finally, the remaining amount is determined as the amount to be paid from the ordinary payment account of this user.

[0041] Through the above method, the user only needs to use their user terminal to perform a non-contact communication with the non-accepting device once, and the medical service system and the medical insurance system can cooperate with each other. Based on the user's medical insurance electronic voucher, the user's medical insurance account is used to settle and pay for the medical service performed by this user, which can effectively improve the efficiency and convenience of medical insurance payment. Moreover, whether it is the user's medical insurance personal account or the overall medical insurance fund, or other reimbursement methods of this user, or the ordinary payment account of this user, the user can complete the settlement and payment of all fund pools through a single non-contact communication with the non-accepting device, without the need to perform operations multiple times for different fund pools.

[0042] Figure 2 The following is a detailed schematic diagram of the acquisition process of the medical insurance electronic voucher provided by the embodiments of this specification, which specifically includes the following steps: S000: The non-accepting service end can pre-obtain the medical insurance payment page address and several tokens from the medical insurance system.

[0043] S002: The non-accepting service end writes the medical insurance payment page address and each token into the non-accepting device for storage.

[0044] Among them, steps S000 to S002 are the preparation stage, where the non-accepting service end needs to pre-obtain the medical insurance payment page address for accessing the medical insurance system, as well as several tokens for verifying legality, and write the medical insurance payment page address and all tokens into the non-accepting device for storage.

[0045] S100: The user terminal performs non-contact communication with the non-accepting device.

[0046] S10200: Based on this non-contact communication, the non-accepting device sends the pre-written medical insurance payment page address, the device identifier of the non-accepting device, and the target token selected from the stored tokens to the user terminal.

[0047] S10202: The user terminal then accesses the medical insurance system according to the medical insurance payment page address to obtain the medical insurance payment page provided by the non-accepting service end.

[0048] Such as Figure 3As shown, the medical insurance payment page address is used to display the user information of the user and ask the user whether to authorize the medical insurance system to provide the user's medical insurance electronic voucher to the non-accepting device.

[0049] S10204: The user terminal displays the medical insurance payment page to the user.

[0050] S10206: The user performs an authorization operation on the medical insurance payment page.

[0051] In Figure 3 On the medical insurance payment page shown, the "Medical Insurance for Medical Treatment (One-Code Payment)" button is used to confirm the authorization for the medical insurance system to provide the user's medical insurance electronic voucher to the non-accepting device, and the "Self-Pay" button is used to reject the authorization for the medical insurance system to provide the user's medical insurance electronic voucher to the non-accepting device. In addition, as Figure 3 shown, the medical insurance payment page also includes a selection button "Medical Insurance Account" for the payment user and a selection button for the location of medical insurance.

[0052] When the user clicks the selection button for the payment user, the medical insurance system can display the user himself and other users who have a medical insurance association relationship with the user through this medical insurance payment page. The medical insurance association relationship described in this specification can be other users who have a family account relationship with the user, such as Figure 4 shown. In Figure 4 , user Zhang San uses the user terminal to display the medical insurance payment page as Figure 3 shown and clicks the selection button for the payment user, then the medical insurance system can determine Li Si who has a medical insurance association relationship with Zhang San and display the user information of Zhang San and Li Si through this medical insurance payment page.

[0053] As Figure 5 shown, the user can also switch the user's medical insurance participation location from City A to City B by clicking the selection button for the location of medical insurance.

[0054] If the user clicks the "Self-Pay" button used to reject the authorization for the medical insurance system to provide the user's medical insurance electronic voucher to the non-accepting device, the subsequent steps as Figure 2 shown will no longer be executed. At this time, the medical insurance system can notify the non-accepting service end to provide the payment identifier corresponding to the user's ordinary payment account to the non-accepting device. Subsequently, the non-accepting device will send this payment identifier to the medical service system, and the medical service system can directly send this payment identifier and the amount to be paid corresponding to the medical service performed by the user to the settlement system. The settlement system directly settles and pays the amount to be paid according to this payment identifier using the user's ordinary payment account, that is, transfers the amount to be paid from the user's ordinary payment account to the account corresponding to the medical institution.

[0055] In addition, before the medical insurance payment page is displayed on the user terminal, the signing information of the user can be queried through the non-accepting server first, so as to determine whether the user has signed and permitted the non-accepting device and the financial institution where the non-accepting server is located to provide medical insurance payment services for the user through methods such as Figure 1 as shown, and if the user has signed, the medical insurance payment page is displayed; if not, the signing page can be displayed first. After the user signs and permits the financial institution to provide the above-mentioned medical insurance payment services on the signing page, the medical insurance payment page is displayed and the subsequent process continues.

[0056] S10208: The user terminal sends the authorization message, the device identifier of the non-accepting device, and the target token to the medical insurance system.

[0057] S10210: In response to the authorization message, the medical insurance system generates the user's medical insurance electronic voucher and verifies the target token.

[0058] In step S10208, the user terminal can also send the user information of the user to the medical insurance system. After receiving the authorization message sent by the user terminal, the medical insurance system can query the user's medical insurance account according to the user information of the user, and generate the user's medical insurance electronic voucher according to the user's medical insurance account. The medical insurance electronic voucher contains the user information of the user and the user's medical insurance account.

[0059] In order to further improve the medical insurance payment efficiency, in the embodiments of this specification, the medical insurance system may also not have to wait for the authorization message of the user terminal and generate the user's medical insurance electronic voucher asynchronously. Specifically, in step S10204, when the user terminal displays the medical insurance payment page to the user, it can simultaneously send the user information of the user to the medical insurance system asynchronously. After receiving the user information, the medical insurance system can directly query the user's medical insurance account according to the user information, and generate the user's medical insurance electronic voucher according to the medical insurance account, but does not send the medical insurance electronic voucher to the non-accepting device for the time being, but waits until it receives the authorization message of the user terminal, and then sends the generated medical insurance electronic voucher of the user to the non-accepting device.

[0060] S10212: After the medical insurance system passes the verification of the target token, it sends the medical insurance electronic voucher to the non-accepting server.

[0061] S10214: The non-accepting server sends the medical insurance electronic voucher to the non-accepting device.

[0062] In step S10208, whether the user's medical insurance electronic voucher is generated synchronously by the medical insurance system (i.e., generated after waiting for the authorization message received by the user terminal) or asynchronously (i.e., directly generated without waiting for the authorization message of the user terminal), the medical insurance system needs to verify the target token sent by the user terminal.

[0063] Specifically, since the target token sent by the user terminal is one selected by the non-accepting device from the pre-saved tokens in step S10200, and all the tokens pre-saved by the non-accepting device are from the medical insurance system and are obtained by the non-accepting server from the medical insurance system in step S000, on the one hand, the medical insurance system can verify whether the target token is the one provided to the non-accepting server in step S000, and on the other hand, it can also verify whether the validity period of the target token is within the specified time.

[0064] After the verification of the target token is passed, the medical insurance electronic voucher of the user can be sent to the non-accepting server. If the verification of the target token fails, the medical insurance electronic voucher of the user will be refused to be sent to the non-accepting server. After receiving the medical insurance electronic voucher of the user, the non-accepting server will send the medical insurance electronic voucher to the non-accepting device.

[0065] At this point, the non-accepting device obtains the user's medical insurance electronic voucher.

[0066] In addition, since theoretically through the method shown above Figure 1 and Figure 2 , the user only needs to use his own user terminal to communicate with the non-accepting device in a non-contact manner to realize the settlement and payment of the medical services he has performed. However, in order to improve the reliability of payment, in the above step S10212, after the medical insurance system passes the verification of the target token, in addition to sending the generated medical insurance electronic voucher of the user to the non-accepting server, the medical insurance electronic voucher of the user can also be returned to the user terminal. The user terminal can then display the medical insurance electronic voucher in the form of a graphic code, so that when necessary, the non-accepting device or the medical service system of the medical institution can scan the graphic code to obtain the medical insurance electronic voucher and also use the medical insurance electronic voucher through the medical insurance system to settle and pay for the medical services performed by the user. It should be noted that when the user displays the medical insurance electronic voucher in the form of a graphic code, the graphic code containing the medical insurance electronic voucher can be dynamically changed according to the set period.

[0067] In the embodiments of this specification, the user terminal passes through Figure 2After the step S10208 shown above sends the authorization message, the device identifier of the non-accepting device, and the target token to the medical insurance system, it can directly start polling the medical insurance system for the payment result of the medical service performed on the user according to a preset polling period, and display it after obtaining the payment result returned by the medical insurance system. The payment result includes the amount paid by each fund pool corresponding to the user's medical insurance account. As Figure 6 shown, the user terminal can display the payment result polled from the medical insurance system through the payment result page. The payment result includes the amount paid by each fund pool corresponding to the user's medical insurance account, including the amounts paid by the user's personal medical insurance account, the overall medical insurance fund, other reimbursements, and the general payment account respectively.

[0068] In the embodiments of this specification, the medical institutions include but are not limited to: hospitals and pharmacies. When the medical institution is a hospital, the medical services performed by the user may include various diagnostic and treatment items (such as blood tests, medical imaging, etc.). The medical service system of the hospital can directly communicate with the non-accepting device, the non-accepting service end, and the medical insurance system through the above Figure 1 and Figure 2 shown methods to settle and pay for the medical services performed by the user. When the medical institution is a pharmacy, the medical service performed by the user in this medical institution includes purchasing drugs. Figure 1 In step S106 shown above, the medical service system of the pharmacy can query the medical service performed by the user and the corresponding amount to be paid according to the user's medical insurance electronic voucher. The medical service system can also receive the medical service (i.e., the purchased drugs) and the corresponding amount to be paid entered by the cashier in the pharmacy. After obtaining the medical service and the corresponding amount to be paid, it can also perform settlement and payment through the subsequent steps S108~S112.

[0069] The above is a medical insurance payment system and method provided by the embodiments of this specification. Based on the same idea, this specification also provides corresponding devices, storage media, and electronic devices.

[0070] Figure 7 The figure shows a schematic diagram of a medical insurance payment device provided by the embodiments of this specification. The device is applied to a user terminal, and the device includes: A non-contact communication module 701 is used to perform non-contact communication with a non-accepting device, enabling the non-accepting device to obtain the user's medical insurance electronic voucher from the medical insurance system and send the medical insurance electronic voucher to the medical service system, so that the medical service system can query the amount to be paid corresponding to the medical service performed by the user based on the medical insurance electronic voucher, and send the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system, enabling the medical insurance system to determine the user's medical insurance account based on the medical insurance electronic voucher, and settle and pay for the medical service according to the medical insurance account, the medical service, and the amount to be paid; A receiving module 702 is used to receive the payment result of the medical service returned by the medical insurance system and display it.

[0071] Optionally, the non-contact communication module 701 is specifically used to perform non-contact communication with a non-accepting device; based on the non-contact communication, obtain the medical insurance payment page address saved in the non-accepting device; and through the medical insurance payment page address, instruct the medical insurance system to send the user's medical insurance electronic voucher to the non-accepting device.

[0072] Optionally, the non-contact communication module 701 is specifically used to display a medical insurance payment page based on the medical insurance payment page address; in response to the user's authorization operation on the medical insurance payment page, send an authorization message to the medical insurance system, enabling the medical insurance system to send the user's medical insurance electronic voucher to the non-accepting device based on the authorization message.

[0073] Optionally, the non-contact communication module 701 is further used to, when displaying the medical insurance payment page to the user, asynchronously send the user's user information to the medical insurance system, enabling the medical insurance system to generate the user's medical insurance electronic voucher according to the user information sent by the user terminal.

[0074] Optionally, the receiving module 702 is further used to receive the user's medical insurance electronic voucher asynchronously returned by the medical insurance system according to the authorization message; and display the medical insurance electronic voucher.

[0075] Optionally, the receiving module 702 is specifically used to poll the payment result of the medical service from the medical insurance system at a preset polling period; and after receiving the payment result returned by the medical insurance system, display the payment result, where the payment result includes the amount paid by each fund pool corresponding to the user's medical insurance account.

[0076] Figure 8 Another schematic diagram of a medical insurance payment device provided by an embodiment of this specification. The device is applied to a non-accepting device, and the device includes: An obtaining module 801, in response to non-contact communication with the user terminal, obtains the user's medical insurance electronic voucher from the medical insurance system; A sending module 802, configured to send the medical insurance electronic voucher to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system, so that the medical insurance system determines the user's medical insurance account according to the medical insurance electronic voucher, and settles and pays the medical service according to the medical insurance account, the medical service, and the amount to be paid.

[0077] Optionally, the device further includes: A storage module 803, configured to receive the medical insurance payment page address sent by the non-accepting service end and save it before the obtaining module 801 obtains the user's medical insurance electronic voucher from the medical insurance system in response to non-contact communication with the user terminal, where the medical insurance payment page address is pre-obtained by the non-accepting service end from the medical insurance system; The obtaining module 801 is specifically configured to, in response to non-contact communication with the user terminal, send the saved medical insurance payment page address to the user terminal based on the non-contact communication, so that the user terminal instructs the medical insurance system to send the user's medical insurance electronic voucher to the non-accepting device through the medical insurance payment page address.

[0078] Figure 9 Another schematic diagram of a medical insurance payment device provided in an embodiment of this specification, the device is applied to a non-accepting service end, and the device includes: A page address transmission module 901, configured to pre-obtain a medical insurance payment page address from the medical insurance system and send the medical insurance payment page address to the non-accepting device; A receiving module 902, configured to receive the user's medical insurance electronic voucher sent by the medical insurance system; where the medical insurance electronic voucher is sent by the medical insurance system instructed by the medical insurance payment page address obtained by the non-accepting device based on the non-contact communication when the user's user terminal performs non-contact communication with the non-accepting device. A sending module 903, configured to send the medical insurance electronic voucher to the non-accepting device, so that the non-accepting device sends the medical insurance electronic voucher to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system determines the user's medical insurance account according to the medical insurance electronic voucher, and settles and pays the medical service according to the medical insurance account, the medical service and the amount to be paid.

[0079] This specification also provides a computer-readable storage medium. The storage medium stores a computer program, and when the computer program is executed by a processor, it can be used to execute the medical insurance payment method provided above.

[0080] Based on Figure 1 and Figure 2 the medical insurance payment method shown, an embodiment of this specification also provides Figure 10 a schematic structural diagram of an electronic device shown. As Figure 10 shown, at the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory, and a non-volatile memory. Of course, it may also include other hardware required for other services. The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it to implement the above-mentioned medical insurance payment method.

[0081] The above are only embodiments of this specification and are not used to limit this specification. For those skilled in the art, this specification can have various changes and modifications. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included within the scope of the claims of this specification.

Claims

1. A medical insurance payment system, comprising: User terminals, non-medical equipment, medical business systems, and medical insurance systems; among which: The user terminal is used to perform contactless communication with the non-receiving device; The non-receiving management device, in response to the contactless communication with the user terminal, obtains the user's medical insurance electronic certificate from the medical insurance system, and sends the medical insurance electronic certificate to the medical service system; The medical service system is used to query the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and send the medical insurance electronic certificate, the medical service and the amount to be paid to the medical insurance system; The medical insurance system is used to provide the user's medical insurance electronic certificate to the non-receiving device, and determine the user's medical insurance account based on the medical insurance electronic certificate sent by the medical service system, and settle and pay the medical service based on the medical insurance account and the medical service and amount to be paid sent by the medical service system.

2. The payment system according to claim 1, further comprising: Non-accepting server; The non-accepting service end is used to obtain the medical insurance payment page address from the medical insurance system in advance, and send the medical insurance payment page address to the non-accepting device; The non-accepting device is also used to receive and save the medical insurance payment page address sent by the non-accepting server; The user terminal is specifically used to perform contactless communication with the non-receiving device, obtain the medical insurance payment page address stored in the non-receiving device based on the contactless communication, and instruct the medical insurance system to send the user's medical insurance electronic certificate to the non-receiving device through the medical insurance payment page address.

3. The payment system according to claim 2, wherein the user terminal is specifically used to display the medical insurance payment page to the user based on the medical insurance payment page address, and send an authorization message to the medical insurance system in response to the user's authorization operation on the medical insurance payment page; The medical insurance system is specifically used to send the user's medical insurance electronic certificate to the non-receiving device in response to the authorization message.

4. The payment system according to claim 3, wherein the user terminal is further configured to asynchronously send the user information of the user to the medical insurance system when displaying the medical insurance payment page to the user; The medical insurance system is specifically used to generate a medical insurance electronic certificate for the user based on the user information sent by the user terminal, and to send the medical insurance electronic certificate to the non-receiving device upon receiving the authorization message.

5. The payment system according to any one of claims 2 to 4, wherein the medical insurance system is specifically used to send the user's medical insurance electronic certificate to the non-accepting service end; The non-receiving and managing server is specifically used to send the medical insurance electronic certificate to the non-receiving and managing device.

6. The payment system according to claim 3, wherein the medical insurance system is further configured to asynchronously return the medical insurance electronic certificate of the user to the user terminal in response to the authorization message; The user terminal is also used to display the medical insurance electronic certificate.

7. The payment system as described in claim 1, wherein the medical service system is specifically used to obtain user information of the user contained in the medical insurance electronic certificate, query the medical service performed by the user based on the user information, and determine the amount to be paid corresponding to the medical service.

8. The payment system as described in claim 1, wherein the medical insurance system is specifically used to determine, based on the medical insurance account, the various fund pools corresponding to the medical insurance account for paying medical expenses, and for each fund pool, determine the amount to be paid from the fund pool based on the medical service and the amount to be paid sent by the medical service system, and settle and pay the medical service based on the amount determined for each fund pool.

9. In the payment system as described in claim 8, the user terminal is also used to poll the medical insurance system for the payment result of the medical service according to a preset polling cycle, and display the payment result after obtaining it, and the payment result includes the amount paid by each fund pool corresponding to the user's medical insurance account.

10. A medical insurance payment method, the method being applied to a user terminal, the method comprising: Conducting contactless communication with a non-accepting management device, so that the non-accepting management device obtains the user's medical insurance electronic certificate from the medical insurance system, and sends the medical insurance electronic certificate to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and sends the medical insurance electronic certificate, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system determines the user's medical insurance account according to the medical insurance electronic certificate, and settles and pays the medical service according to the medical insurance account, the medical service and the amount to be paid; Receive and display the payment result of the medical service returned by the medical insurance system.

11. The method according to claim 10, wherein the contactless communication with a non-receiving device comprises: Contactless communication with non-receiving devices; Based on the contactless communication, obtaining the medical insurance payment page address stored in the non-accepting device; Through the medical insurance payment page address, the medical insurance system is instructed to send the user's medical insurance electronic certificate to the non-receiving device.

12. The method according to claim 11, instructing the medical insurance system to send the user's medical insurance electronic certificate to the non-accepting device through the medical insurance payment page address, specifically comprising: Based on the medical insurance payment page address, display the medical insurance payment page to the user; In response to the user's authorization operation in the medical insurance payment page, an authorization message is sent to the medical insurance system, so that the medical insurance system sends the user's medical insurance electronic certificate to the non-receiving device based on the authorization message.

13. The method of claim 12, further comprising: When the medical insurance payment page is displayed to the user, the user information of the user is asynchronously sent to the medical insurance system, so that the medical insurance system generates the medical insurance electronic certificate of the user according to the user information sent by the user terminal.

14. The method of claim 12, further comprising: Receiving the medical insurance electronic certificate of the user asynchronously returned by the medical insurance system according to the authorization message; Display the medical insurance electronic certificate.

15. The method according to claim 10, receiving and displaying the payment result of the medical service returned by the medical insurance system, specifically comprising: According to a preset polling cycle, polling the medical insurance system for payment results of the medical service; After receiving the payment result returned by the medical insurance system, the payment result is displayed, and the payment result includes the amount paid by each fund pool corresponding to the user's medical insurance account.

16. A medical insurance payment method, the method being applied to a non-accepting medical device, the method comprising: In response to contactless communication with the user terminal, obtaining the user's medical insurance electronic certificate from the medical insurance system; The medical insurance electronic certificate is sent to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and sends the medical insurance electronic certificate, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system can determine the medical insurance account of the user according to the medical insurance electronic certificate, and settle and pay the medical service according to the medical insurance account, the medical service and the amount to be paid.

17. The method of claim 16, wherein before obtaining the user's medical insurance electronic certificate from the medical insurance system in response to the contactless communication with the user terminal, the method further comprises: Receive and save the medical insurance payment page address sent by the non-accepting service end, wherein the medical insurance payment page address is obtained in advance by the non-accepting service end from the medical insurance system; In response to the contactless communication with the user terminal, obtaining the user's medical insurance electronic certificate from the medical insurance system specifically includes: In response to the contactless communication with the user terminal, the saved medical insurance payment page address is sent to the user terminal based on the contactless communication, so that the user terminal instructs the medical insurance system to send the user's medical insurance electronic certificate to the non-receiving device through the medical insurance payment page address.

18. A medical insurance payment method, the method being applied to a non-accepting medical service end, the method comprising: Acquire the medical insurance payment page address from the medical insurance system in advance, and send the medical insurance payment page address to the non-receiving device; Receive the medical insurance electronic certificate of the user sent by the medical insurance system; wherein the medical insurance electronic certificate is sent by the medical insurance system after the user terminal of the user obtains the medical insurance payment page address stored by the non-receiving device based on the contactless communication when the user terminal of the user communicates with the non-receiving device, and the medical insurance payment page address is used to indicate the medical insurance system to send it; The medical insurance electronic certificate is sent to the non-receiving processing device, so that the non-receiving processing device sends the medical insurance electronic certificate to the medical service system, so that the medical service system can query the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and send the medical insurance electronic certificate, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system determines the medical insurance account of the user according to the medical insurance electronic certificate, and settles and pays the medical service according to the medical insurance account, the medical service and the amount to be paid.

19. A medical insurance payment device, the device being applied to a user terminal, the device comprising: A contactless communication module, used for contactless communication with a non-receiving and processing device, so that the non-receiving and processing device obtains the user's medical insurance electronic certificate from the medical insurance system, and sends the medical insurance electronic certificate to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and sends the medical insurance electronic certificate, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system determines the user's medical insurance account according to the medical insurance electronic certificate, and settles and pays the medical service according to the medical insurance account, the medical service and the amount to be paid; The receiving module is used to receive and display the payment result of the medical service returned by the medical insurance system.

20. A medical insurance payment device, the device being applied to a non-medical equipment, the device comprising: an acquisition module, in response to contactless communication with the user terminal, acquiring the user's medical insurance electronic certificate from the medical insurance system; The sending module is used to send the medical insurance electronic certificate to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and sends the medical insurance electronic certificate, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system can determine the medical insurance account of the user according to the medical insurance electronic certificate, and settle and pay the medical service according to the medical insurance account, the medical service and the amount to be paid.

21. A medical insurance payment device, the device is applied to a non-accepting medical service end, the device comprises: A page address transmission module, used to obtain the medical insurance payment page address from the medical insurance system in advance, and send the medical insurance payment page address to the non-receiving device; A receiving module, used for receiving the medical insurance electronic certificate of the user sent by the medical insurance system; wherein the medical insurance electronic certificate is sent by the medical insurance system through the medical insurance payment page address after the user terminal of the user obtains the medical insurance payment page address stored by the non-receiving device based on the contactless communication when the user terminal of the user communicates with the non-receiving device; The sending module is used to send the medical insurance electronic certificate to the non-accepting device, so that the non-accepting device sends the medical insurance electronic certificate to the medical service system, so that the medical service system can query the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and send the medical insurance electronic certificate, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system determines the medical insurance account of the user according to the medical insurance electronic certificate, and settles and pays the medical service according to the medical insurance account, the medical service and the amount to be paid.

22. 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 10 to 17.

23. 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 10 to 17 when executing the program.

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