A medical insurance payment system, method, apparatus, storage medium, and electronic device

Abstract

This specification discloses a medical insurance payment system. A non-receiving device, responding to contactless communication with a user terminal, obtains the user's electronic medical insurance voucher from the medical insurance system and sends it to the medical service system. The medical service system uses the electronic medical insurance voucher to query the user's performed medical services and corresponding outstanding payments, and then uses the user's medical insurance account for settlement and payment through the medical insurance system. With this system, the user only needs to use their user terminal to conduct a single contactless communication with the non-receiving device. The medical service system and the medical insurance system can then cooperate to settle and pay for the user's performed medical services based on the user's electronic medical insurance voucher and medical insurance account, effectively improving the efficiency and convenience of medical insurance payments.

Description

Technical Field

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

[0002] Medical services such as seeing a doctor and taking medicine are essential daily tasks for everyone. The cumbersome and complex payment process for medical services is a major pain point in this field.

[0003] Currently, when users pay medical expenses through their medical insurance accounts, they usually need to use their own social security card. They complete the payment by inserting the social security card into the self-service terminal of the medical institution.

[0004] However, the large number of lost social security cards kept year-round at the lost and found offices next to self-service terminals in major hospitals shows that the current medical insurance payment methods are not only inefficient and extremely inconvenient for users, but also very likely to result in the loss of social security cards. Summary of the Invention

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

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

[0007] This specification provides a payment system, which includes: a user terminal, a non-acceptance device, a medical business system, and a medical insurance system; wherein:

[0008] The user terminal is used for contactless communication with the non-receiving device;

[0009] The non-receiving device, in response to contactless communication with the user terminal, obtains the user's electronic medical insurance voucher from the medical insurance system and sends the electronic medical insurance voucher to the medical business system;

[0010] The medical service system is used to query the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical services, and the amount to be paid to the medical insurance system.

[0011] The medical insurance system is used to provide the user's electronic medical insurance certificate to the non-accepting device, determine the user's medical insurance account based on the electronic medical insurance certificate sent by the medical business system, and settle and pay the medical business based on the medical insurance account, the medical business and the amount to be paid sent by the medical business system.

[0012] This specification provides a medical insurance payment method, which is applied to a user terminal and includes the following:

[0013] The system enables contactless communication with a non-receiving device, allowing the non-receiving device to obtain the user's electronic medical insurance voucher from the medical insurance system and send the electronic medical insurance voucher to the medical business system. The medical business system then uses the electronic medical insurance voucher to query the amount to be paid for the medical services performed by the user and sends the electronic medical insurance voucher, the medical services, and the amount to be paid to the medical insurance system. The medical insurance system then uses the electronic medical insurance voucher to determine the user's medical insurance account and performs settlement and payment for the medical services based on the medical insurance account, the medical services, and the amount to be paid.

[0014] Receive and display the payment results for the medical services returned by the medical insurance system.

[0015] This specification provides a medical insurance payment method, which is applied to non-receiving medical devices, and the method includes:

[0016] In response to contactless communication with the user terminal, the user's electronic medical insurance voucher is obtained from the medical insurance system;

[0017] The electronic medical insurance voucher is sent to the medical service system, which then uses the electronic medical insurance voucher to query the outstanding payment amount corresponding to the medical service performed by the user. The electronic medical insurance voucher, the medical service, and the outstanding payment amount are then sent to the medical insurance system, which uses the electronic medical insurance voucher to determine the user's medical insurance account and uses the medical insurance account, the medical service, and the outstanding payment amount to settle and pay for the medical service.

[0018] This specification provides a medical insurance payment method, which is applied to a non-receiving service terminal. The method includes:

[0019] The medical insurance payment page address is obtained from the medical insurance system in advance, and then sent to the non-receiving device.

[0020] The system receives the user's electronic medical insurance voucher sent by the medical insurance system; wherein the electronic medical insurance voucher is sent by the medical insurance system after the user's terminal obtains the medical insurance payment page address stored on the non-receiving device through the non-contact communication when the user's terminal communicates with the non-receiving device;

[0021] The electronic medical insurance voucher is sent to the non-accepting device, which then sends the electronic medical insurance voucher to the medical service system. The medical service system uses the electronic medical insurance voucher to query the outstanding payment amount corresponding to the medical service performed by the user, and sends the electronic medical insurance voucher, the medical service, and the outstanding payment amount to the medical insurance system. The medical insurance system uses the electronic medical insurance voucher to determine the user's medical insurance account, and then settles and pays for the medical service based on the medical insurance account, the medical service, and the outstanding payment amount.

[0022] This specification provides a medical insurance payment device, which is applied to a user terminal, and the device includes:

[0023] A contactless communication module is used to communicate contactlessly with a non-receiving device, enabling the non-receiving device to obtain the user's electronic medical insurance voucher from the medical insurance system and send the electronic medical insurance voucher to the medical business system. The medical business system then uses the electronic medical insurance voucher to query the amount to be paid for the medical services performed by the user, and sends the electronic medical insurance voucher, the medical services, and the amount to be paid to the medical insurance system. The medical insurance system then uses the electronic medical insurance voucher to determine the user's medical insurance account and performs settlement and payment for the medical services based on the medical insurance account, the medical services, and the amount to be paid.

[0024] The receiving module is used to receive and display the payment results for the medical services returned by the medical insurance system.

[0025] This specification provides a medical insurance payment device, which is applied to non-acceptance devices, and the device includes:

[0026] The acquisition module, in response to contactless communication with the user terminal, acquires the user's electronic medical insurance voucher from the medical insurance system;

[0027] The sending module is used to send the electronic medical insurance voucher to the medical business system, so that the medical business system can query the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical services, 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 electronic medical insurance voucher, and settle and pay for the medical services based on the medical insurance account, the medical services, and the amount to be paid.

[0028] This specification provides a medical insurance payment device, which is applied to a non-acceptance server. The device includes:

[0029] The page address transmission module 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-receiving device;

[0030] The receiving module is used to receive the user's electronic medical insurance voucher sent by the medical insurance system; wherein, the electronic medical insurance voucher is sent by the medical insurance system after the user's terminal obtains the medical insurance payment page address stored in the non-receiving device based on the non-contact communication during contactless communication;

[0031] The sending module is used to send the electronic medical insurance voucher to the non-accepting device, so that the non-accepting device sends the electronic medical insurance voucher to the medical business system. The medical business system can then query the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical services, and the amount to be paid to the medical insurance system. The medical insurance system can then determine the user's medical insurance account based on the electronic medical insurance voucher, and settle and pay for the medical services based on the medical insurance account, the medical services, and the amount to be paid.

[0032] This specification provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the aforementioned medical insurance payment method.

[0033] This specification provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, it implements the aforementioned medical insurance payment method.

[0034] The above-described at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects:

[0035] This specification discloses a medical insurance payment system. A non-receiving device, responding to contactless communication with a user terminal, obtains the user's electronic medical insurance voucher from the medical insurance system and sends it to the medical service system. The medical service system uses the electronic medical insurance voucher to query the user's performed medical services and corresponding outstanding payments, and then uses the user's medical insurance account for settlement and payment through the medical insurance system. With this system, the user only needs to use their user terminal to conduct a single contactless communication with the non-receiving device. The medical service system and the medical insurance system can then cooperate to settle and pay for the user's performed medical services based on the user's electronic medical insurance voucher and medical insurance account, effectively improving the efficiency and convenience of medical insurance payments. Attached Figure Description

[0036] The accompanying drawings, which are included to provide a further understanding of this specification and form part of this specification, illustrate exemplary embodiments and are used to explain this specification, but do not constitute an undue limitation thereof. In the drawings:

[0037] Figure 1 This is a schematic diagram of a medical insurance payment system provided in the embodiments of this specification;

[0038] Figure 2 A detailed schematic diagram illustrating the process of obtaining the electronic medical insurance voucher provided in the embodiments of this specification;

[0039] Figure 3 A schematic diagram of the medical insurance payment page displayed on the user terminal provided in the embodiments of this specification;

[0040] Figure 4 A schematic diagram showing other users who have medical insurance connections with the user provided in the embodiments of this specification;

[0041] Figure 5 This is a schematic diagram showing the switching of medical insurance location on a user terminal provided in the embodiments of this specification;

[0042] Figure 6 This is a schematic diagram of the payment result displayed on the user terminal provided in the embodiments of this specification;

[0043] Figure 7 A schematic diagram of a medical insurance payment device provided in the embodiments of this specification;

[0044] Figure 8 This is a schematic diagram of another medical insurance payment device provided in the embodiments of this specification;

[0045] Figure 9 This is a schematic diagram of another medical insurance payment device provided in the embodiments of this specification;

[0046] Figure 10 This is a schematic diagram of the structure of the electronic device provided in the embodiments of this specification. Detailed Implementation

[0047] To make the objectives, technical solutions, and advantages of this specification clearer, the technical solutions of this specification will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of them. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this specification.

[0048] The technical solutions provided in the various embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0049] Figure 1 This specification provides a schematic diagram of a medical insurance payment system, which includes: a user terminal, a non-acceptance device, a medical business system, and a medical insurance system.

[0050] Among them, user terminals include the terminals used by payment users, especially mobile terminals such as mobile phones and smartwatches.

[0051] A contactless payment device is a device used to provide users with various electronic payment methods, including QR code scanning, facial recognition, and contactless communication-based electronic payments. This manual only uses contactless communication-based electronic payments provided by a contactless payment device as an example. This contactless payment device is connected to the medical business system via wired cable or wireless network (such as WiFi).

[0052] A medical service system is a system used by offline medical institutions such as hospitals and pharmacies to manage patient care (e.g., patient registration) and hospital operations (e.g., collaboration between medical technology departments). Based on user information, it records the medical services performed by users within the institution. Back-office administrators can pre-configure the payment amounts for each medical service in the system, allowing the system to query the outstanding payments for each service performed by a user. The medical service system is also connected to the medical insurance system, enabling payment settlement for users through medical insurance.

[0053] The medical insurance system is a system used by official medical insurance institutions to manage users' medical insurance accounts and to settle payments using these accounts. When using a medical insurance account to calculate payments for a user, an electronic medical insurance voucher is also required for electronic payment.

[0054] like Figure 1 As shown, based on the above-mentioned medical insurance payment system, the medical insurance payment process in the embodiments of this specification may include the following steps:

[0055] S100: The user terminal communicates with the non-receiving device without contact.

[0056] S102: The non-receiving device responds to contactless communication with the user terminal and obtains the user's electronic medical insurance voucher from the medical insurance system.

[0057] The payment system provided in this embodiment may further include a backend non-acceptance processing server corresponding to the non-acceptance processing device. The non-acceptance processing server may pre-obtain the medical insurance payment page address from the medical insurance system and write it into the non-acceptance processing device for storage. Specifically, the medical insurance payment page address may be a Uniform Resource Locator (URL) for the medical insurance payment page. After storing the medical insurance payment page, the non-acceptance processing device can broadcast an access signal in real time.

[0058] In step S100, when the user terminal is close to the non-receiving device, it can receive the access signal broadcast by the non-receiving device and establish contactless communication with the non-receiving device based on the access signal.

[0059] In step S102, the non-receiving device can send the pre-written address of the medical insurance payment page and its device identifier to the user terminal based on the contactless communication. The user terminal then accesses the medical insurance system based on the payment page address, obtains and displays the medical insurance payment page provided by the non-receiving server to the user. This payment page contains an inquiry message asking whether the user authorizes the medical insurance system to provide their electronic medical insurance certificate to the non-receiving device. When the user performs an operation on the payment page, such as clicking the confirmation button, the user terminal confirms that the user has authorized the medical insurance system to provide their electronic medical insurance certificate to the non-receiving device. Therefore, it can send the authorization message and the device identifier of the non-receiving device to the medical insurance system. Upon receiving the authorization message, the medical insurance system can generate the user's electronic medical insurance certificate and send it to the non-receiving device based on its device identifier.

[0060] Through steps S100-S102, the non-receiving device can obtain the user's electronic medical insurance voucher. The process shown in steps S100-S102 can be referred to as the acquisition process of the electronic medical insurance voucher. The acquisition process of the electronic medical insurance voucher will be described in detail below.

[0061] S104: The non-receiving device sends the electronic medical insurance voucher to the medical business system.

[0062] S106: The medical business system queries the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher.

[0063] S108: The medical business system sends the electronic medical insurance voucher, medical transactions, and the amount to be paid to the medical insurance system.

[0064] In the embodiments described herein, the electronic medical insurance voucher generated by the medical insurance system in step S102 contains the user's user information. After the non-receiving device sends the user's electronic medical insurance voucher to the medical business system of the medical institution through the connection between the non-receiving device and the medical business system, the medical business system can obtain the user's user information contained in the electronic medical insurance voucher, query the medical services performed by the user in the medical institution based on the user information, and then determine the amount to be paid corresponding to the medical services performed by the user based on the pre-configured correspondence between each medical service and the amount to be paid.

[0065] Since subsequent settlement and payment will be made through the user's medical insurance account, the medical system can send the user's electronic medical insurance voucher, the medical services performed by the user, and the corresponding amount to be paid to the medical insurance system.

[0066] S110: The medical insurance system determines the user's medical insurance account based on the electronic medical insurance voucher sent by the medical business system.

[0067] In the embodiments described in this specification, after receiving the user's electronic medical insurance certificate from the medical business system, the medical insurance system can query the user's medical insurance account based on the user information contained in the electronic medical insurance certificate, and determine the various fund pools corresponding to the user's medical insurance account for paying medical expenses. The fund pools corresponding to the user's medical insurance account for paying medical expenses, as 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 medical insurance pooled fund, the fund pool corresponding to the user's other reimbursement methods (such as third-party commercial medical insurance reimbursement), and the fund pool corresponding to the user's ordinary payment account.

[0068] Among them, the user's medical insurance personal account refers to the medical insurance fund account exclusively for the user as stipulated in my country's medical insurance system. The funds in the fund pool corresponding to the personal account come from a portion of the funds deducted from the user's personal salary each month and a portion of the funds paid by the user's employer.

[0069] The medical insurance pooling fund for this user refers to the "public fund pool" of medical insurance in my country'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 medical insurance pooling fund is the funds paid by the user's employer or the funds subsidized by the government.

[0070] The third-party commercial medical insurance that the user has purchased is commercial medical insurance that the user has purchased from a third party in addition to the medical insurance stipulated by my country's medical insurance system.

[0071] The user's regular payment account is the account that the user has registered with a bank or third-party financial institution, and the user can use this account to pay any type of fee.

[0072] S112: Settle and pay for the medical services based on the medical insurance account and the medical business system's medical service information and the amount to be paid.

[0073] After the medical insurance system identifies the various fund pools corresponding to a user's medical insurance account, it can determine the amount to be paid from each fund pool based on the medical services performed by the user and the corresponding outstanding payments sent by the medical business system, using the settlement rules corresponding to that fund pool. Finally, settlement and payment are made for the user's medical services based on the amounts determined for each fund pool.

[0074] Specifically, the medical insurance system can first determine the amount to be paid from the user's medical insurance personal account and the corresponding fund pool based on the settlement rules of the fund pool corresponding to the user's medical insurance personal account and the medical insurance pool. Then, based on the remaining amount and the settlement rules of the fund pool corresponding to the user's other reimbursement methods, it can determine the amount to be paid from the fund pool corresponding to the other reimbursement methods. Finally, the remaining amount is determined as the amount to be paid from the user's ordinary payment account.

[0075] Using the above method, users only need to conduct a single contactless communication with the non-receiving device using their own user terminal. The medical service system and the medical insurance system can then cooperate to settle and pay for the medical services performed by the user based on their electronic medical insurance voucher and medical insurance account. This effectively improves the efficiency and convenience of medical insurance payments. Furthermore, regardless of whether it's the user's personal medical insurance account, the medical insurance pooled fund, other reimbursement methods, or their ordinary payment account, the user can complete the settlement and payment for all fund pools through a single contactless communication with the non-receiving device, without needing to perform multiple operations for different fund pools.

[0076] Figure 2 The detailed process of obtaining the electronic medical insurance voucher provided in the embodiments of this specification is illustrated in the following steps:

[0077] S000: Non-receiving server can obtain the medical insurance payment page address and several tokens from the medical insurance system in advance.

[0078] S002: The non-accepting server writes the medical insurance payment page address and each token into the non-accepting device for storage.

[0079] Steps S000 to S002 are preparation stages, during which the non-accepting server needs to obtain the medical insurance payment page address for accessing the medical insurance system and several tokens for verifying legitimacy in advance, and write the medical insurance payment page address and all tokens into the non-accepting device for storage.

[0080] S100: The user terminal communicates with the non-receiving device without contact.

[0081] S10200: Based on this contactless communication, the non-receiving device sends the pre-written medical insurance payment page address, the device identifier of the non-receiving device, and the target token selected from the stored tokens to the user terminal.

[0082] S10202: The user terminal then accesses the medical insurance system based on the medical insurance payment page address and obtains the medical insurance payment page provided by the non-acceptance server.

[0083] like Figure 3 As shown, the medical insurance payment page address is used to display the user's user information and ask the user whether they authorize the medical insurance system to provide the user's electronic medical insurance certificate to non-accepting devices.

[0084] S10204: The user terminal displays the medical insurance payment page to the user.

[0085] S10206: The user authorizes the operation on this medical insurance payment page.

[0086] exist Figure 3 On the medical insurance payment page shown, the "Medical Insurance Treatment (One-Code Payment)" button is used to confirm authorization for the medical insurance system to provide the user's electronic medical insurance voucher to non-accepting devices, while the "Self-Payment" button is used to refuse authorization for the medical insurance system to provide the user's electronic medical insurance voucher to non-accepting devices. In addition, as... Figure 3 The medical insurance payment page also includes a "Medical Insurance Account" button for the paying user and a button for selecting the location of the medical insurance.

[0087] When a user clicks the "Select Payment User" button, the medical insurance system can display the user's own information and other users with medical insurance connections to that user through the medical insurance payment page. The medical insurance connections mentioned in this manual can refer to other users with family account relationships with the user, such as... Figure 4 As shown. In Figure 4 In the example, user Zhang San uses a user terminal to display something like... Figure 3 If the medical insurance payment page shown is clicked and the payment user selection button is selected, the medical insurance system can identify Li Si, who has a medical insurance relationship with Zhang San, and display the user information of Zhang San and Li Si through the medical insurance payment page.

[0088] like Figure 5 As shown, users can also switch their medical insurance registration location from City A to City B by clicking the "Select Medical Insurance Location" button.

[0089] If a user clicks the "Pay Out of Possession" button, which is used to refuse authorization for the medical insurance system to provide the user's electronic medical insurance certificate to non-accepting devices, the process will no longer continue. Figure 2 In the subsequent steps shown, the medical insurance system can notify the non-acceptance service terminal to provide the payment identifier corresponding to the user's ordinary payment account to the non-acceptance device. Subsequently, the non-acceptance device sends the payment identifier to the medical business system, which can then send the payment identifier and the amount to be paid corresponding to the medical service performed by the user directly to the settlement system. The settlement system directly uses the payment identifier to settle and pay the amount to be paid 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.

[0090] Additionally, before displaying the medical insurance payment page on the user's terminal, the user's subscription information can be queried through the non-acceptance service terminal to determine whether the user has signed up for and authorized the non-acceptance device and the financial institution where the non-acceptance service terminal is located to use it for payment. Figure 1 The method shown provides medical insurance payment services to the user. If the user has signed up, the medical insurance payment page will be displayed. If the user has not signed up, the signing page can be displayed first. After the user signs up on the signing page to authorize the financial institution to provide the above-mentioned medical insurance payment services, the medical insurance payment page will be displayed and the subsequent process will continue.

[0091] 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.

[0092] S10210: In response to the authorization message, the medical insurance system generates the user's electronic medical insurance certificate and verifies the target token.

[0093] In step S10208, the user terminal can also send the user's user information 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 based on the user's user information and generate the user's electronic medical insurance certificate based on the user's medical insurance account. The electronic medical insurance certificate contains the user's user information and the user's medical insurance account.

[0094] To further improve the efficiency of medical insurance payments, in this embodiment, the medical insurance system may asynchronously generate the user's electronic medical insurance voucher without waiting for authorization from the user terminal. Specifically, in step S10204, when the user terminal displays the medical insurance payment page to the user, it can simultaneously send the user's information to the medical insurance system asynchronously. After receiving the user information, the medical insurance system can directly query the user's medical insurance account based on the user information and generate the user's electronic medical insurance voucher based on the medical insurance account. However, it does not send the electronic medical insurance voucher to the non-accepting device immediately, but waits until it receives authorization from the user terminal before sending the generated electronic medical insurance voucher to the non-accepting device.

[0095] S10212: After the medical insurance system verifies the target token, it sends the electronic medical insurance certificate to the non-accepting server.

[0096] S10214: The non-accepting server sends the electronic medical insurance voucher to the non-accepting device.

[0097] In step S10208, regardless of whether the user's electronic medical insurance certificate is generated synchronously by the medical insurance system (i.e., generated only after the authorization message from the user's terminal is received) or asynchronously (i.e., generated directly without waiting for the authorization message from the user's terminal), the medical insurance system must verify the target token sent by the user's terminal.

[0098] Specifically, since the target token sent by the user terminal is one of the tokens 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 come from the medical insurance system and are obtained by the non-accepting server from the medical insurance system in step S000, the medical insurance system can verify whether the target token is provided to the non-accepting server in step S000, and can also verify whether the validity period of the target token is within the specified time.

[0099] After successful verification of the target token, the user's electronic medical insurance certificate can be sent to the non-accepting server. If the target token fails verification, the transmission of the user's electronic medical insurance certificate to the non-accepting server will be refused. Once the non-accepting server receives the user's electronic medical insurance certificate, it will then send the certificate to the non-accepting device.

[0100] At this point, the non-receiving device has obtained the user's electronic medical insurance certificate.

[0101] In addition, since theoretically through the above Figure 1 and Figure 2The method shown allows users to settle and pay for their medical services simply by communicating contactlessly with the non-accepting device using their own user terminal. However, to improve payment reliability, in step S10212, after the medical insurance system verifies the target token, in addition to sending the generated electronic medical insurance voucher for the user to the non-accepting server, it can also return the electronic medical insurance voucher to the user terminal. The user terminal can then display the electronic medical insurance voucher in the form of a graphic code. This allows the non-accepting device or the medical institution's business system to scan the graphic code when necessary to obtain the electronic medical insurance voucher and use it to settle and pay for the user's medical services. It should be noted that when the user displays the electronic medical insurance voucher in graphic code form, the graphic code containing the voucher can dynamically change according to a set period.

[0102] In the embodiments described in this specification, the user terminal, through... Figure 2 After sending the authorization message, the device identifier of the non-accepting device, and the target token to the medical insurance system in step S10208, the system can directly begin polling the medical insurance system for payment results of the medical services performed on the user according to a preset polling cycle. The system will then display the payment results returned by the medical insurance system, which include the amount paid by each fund pool corresponding to the user's medical insurance account. For example... Figure 6 As shown, the user terminal can display the payment results obtained from the medical insurance system through the payment results page. The payment results include the amount paid by each fund pool corresponding to the user's medical insurance account, including the amount paid by the user's personal medical insurance account, medical insurance pooled fund, other reimbursements, and ordinary payment account.

[0103] In the embodiments described in 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 procedures (such as blood tests, medical imaging, etc.). The hospital's medical service system can directly connect with non-medical devices, non-medical service terminals, and the medical insurance system through the aforementioned... Figure 1 and Figure 2 The method shown is used to settle payments for medical services performed by users. When the medical institution is a pharmacy, the medical services performed by the user at that institution include purchasing medications. Figure 1 In step S106, the pharmacy's medical business system can query the medical services performed by the user and their corresponding unpaid amounts based on the user's electronic medical insurance voucher. The medical business system can also receive the medical services performed by the user (i.e., the purchased medicines) and their corresponding unpaid amounts entered by the pharmacy's cashier. After obtaining the medical services and their corresponding unpaid amounts, settlement and payment can be made through subsequent steps S108 to S112.

[0104] The above describes a medical insurance payment system and method provided in the embodiments of this specification. Based on the same idea, this specification also provides corresponding devices, storage media, and electronic devices.

[0105] Figure 7 This is a schematic diagram of a medical insurance payment device provided in an embodiment of this specification. The device is applied to a user terminal and includes:

[0106] The contactless communication module 701 is used to communicate contactlessly with a non-receiving device, enabling the non-receiving device to obtain the user's electronic medical insurance voucher from the medical insurance system and send the electronic medical insurance voucher to the medical business system. The medical business system can then query the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical services, and the amount to be paid to the medical insurance system. The medical insurance system can then determine the user's medical insurance account based on the electronic medical insurance voucher, and settle and pay for the medical services based on the medical insurance account, the medical services, and the amount to be paid.

[0107] The receiving module 702 is used to receive and display the payment results for the medical services returned by the medical insurance system.

[0108] Optionally, the contactless communication module 701 is specifically used to perform contactless communication with the non-receiving device; based on the contactless communication, obtain the medical insurance payment page address stored in the non-receiving device; and through the medical insurance payment page address, instruct the medical insurance system to send the user's electronic medical insurance voucher to the non-receiving device.

[0109] Optionally, the contactless communication module 701 is specifically used to: display the medical insurance payment page to the user based on the medical insurance payment page address; and in response to the user's authorization operation on the medical insurance payment page, send an authorization message to the medical insurance system, so that the medical insurance system sends the user's electronic medical insurance certificate to the non-receiving device based on the authorization message.

[0110] Optionally, the contactless communication module 701 is further configured to asynchronously send the user's user information to the medical insurance system when displaying the medical insurance payment page to the user, so that the medical insurance system can generate the user's electronic medical insurance voucher based on the user information sent by the user terminal.

[0111] Optionally, the receiving module 702 is further configured to receive the user's electronic medical insurance certificate asynchronously returned by the medical insurance system according to the authorization message; and display the electronic medical insurance certificate.

[0112] Optionally, the receiving module 702 is specifically configured to poll the medical insurance system for the payment results of the medical service according to a preset polling period; and after receiving the payment results returned by the medical insurance system, display the payment results, which include the amount paid by each fund pool corresponding to the user's medical insurance account.

[0113] Figure 8 This is a schematic diagram of another medical insurance payment device provided in the embodiments of this specification. The device is applied to a non-acceptance device, and the device includes:

[0114] The acquisition module 801, in response to contactless communication with the user terminal, acquires the user's electronic medical insurance voucher from the medical insurance system;

[0115] The sending module 802 is used to send the electronic medical insurance voucher to the medical business system, so that the medical business system can query the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical services, 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 electronic medical insurance voucher, and settle and pay for the medical services based on the medical insurance account, the medical services, and the amount to be paid.

[0116] Optionally, the device further includes:

[0117] The storage module 803 is used to receive and save the medical insurance payment page address sent by the non-acceptance server before the acquisition module 801 obtains the user's electronic medical insurance certificate from the medical insurance system in response to the contactless communication with the user terminal, wherein the medical insurance payment page address is obtained in advance by the non-acceptance server from the medical insurance system;

[0118] The acquisition module 801 is specifically used to, in response to contactless communication with the user terminal, send the saved medical insurance payment page address to the user terminal based on the contactless communication, so that the user terminal, through the medical insurance payment page address, instructs the medical insurance system to send the user's electronic medical insurance certificate to the non-receiving device.

[0119] Figure 9 This is a schematic diagram of another medical insurance payment device provided in the embodiments of this specification. The device is applied to a non-receiving server and includes:

[0120] The page address transmission module 901 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-receiving device;

[0121] The receiving module 902 is used to receive the user's electronic medical insurance voucher sent by the medical insurance system; wherein, the electronic medical insurance voucher is sent by the medical insurance system after the user's user terminal obtains the medical insurance payment page address stored in the non-receiving device based on the non-contact communication during non-contact communication;

[0122] The sending module 903 is used to send the electronic medical insurance voucher to the non-accepting device, so that the non-accepting device sends the electronic medical insurance voucher to the medical business system. The medical business system can then query the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical services, and the amount to be paid to the medical insurance system. The medical insurance system can then determine the user's medical insurance account based on the electronic medical insurance voucher, and settle and pay for the medical services based on the medical insurance account, the medical services, and the amount to be paid.

[0123] This specification also provides a computer-readable storage medium storing a computer program that, when executed by a processor, can be used to perform the medical insurance payment method provided above.

[0124] based on Figure 1 and Figure 2 The medical insurance payment method shown in this specification is further illustrated in the embodiments. Figure 10 The diagram shows the structure of the electronic device. Figure 10 At the hardware level, the electronic device includes a processor, internal bus, network interface, memory, and non-volatile storage, and may also include other hardware required for business operations. The processor reads the corresponding computer program from the non-volatile storage into memory and then runs it to implement the aforementioned medical insurance payment method.

[0125] The above description is merely an embodiment of this specification and is not intended to limit this specification. Various modifications and variations can be made to this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this specification should be included within the scope of the claims of this specification.

Claims

1. A medical insurance payment system, the payment system comprising: User terminals, non-receiving devices, medical business systems, and medical insurance systems; among which: The user terminal is used to communicate with the non-receiving device in a contactless manner, obtain the medical insurance payment page address stored in the non-receiving device based on the contactless communication, access the medical insurance system through the medical insurance payment page address, and instruct the medical insurance system to send the user's electronic medical insurance voucher to the non-receiving device. The non-receiving device, in response to contactless communication with the user terminal, obtains the user's electronic medical insurance voucher from the medical insurance system and sends the electronic medical insurance voucher to the medical business system; The medical service system is used to query the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical services, and the amount to be paid to the medical insurance system. The medical insurance system is used to provide the user's electronic medical insurance certificate to the non-accepting device, determine the user's medical insurance account based on the electronic medical insurance certificate sent by the medical business system, and settle and pay the medical business based on the medical insurance account, the medical business and the amount to be paid sent by the medical business system.

2. The payment system as described in claim 1, further comprising: Non-receiving server; The non-acceptance server 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-acceptance device; The non-receiving device is also used to receive and save the medical insurance payment page address sent by the non-receiving server.

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

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

5. The payment system as described in any one of claims 2 to 4, wherein the medical insurance system is specifically used to send the user's electronic medical insurance certificate to the non-accepting service terminal; The non-acceptance server is specifically used to send the electronic medical insurance voucher to the non-acceptance device.

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

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

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

9. The payment system as described in claim 8, wherein the user terminal is further configured to poll the medical insurance system for payment results of the medical service according to a preset polling period, and display the payment results after obtaining them, wherein the payment results include 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: The system communicates with a non-receiving device without physical contact. Based on this contactless communication, it obtains the medical insurance payment page address stored in the non-receiving device and accesses the medical insurance system through the address. It then instructs the medical insurance system to send the user's electronic medical insurance voucher to the non-receiving device, which in turn sends the electronic medical insurance voucher to the medical business system. The medical business system then uses the electronic medical insurance voucher to query the amount to be paid for the medical services performed by the user and sends the electronic medical insurance voucher, the medical services performed, and the amount to be paid to the medical insurance system. The medical insurance system uses the electronic medical insurance voucher to determine the user's medical insurance account and then settles and pays for the medical services based on the medical insurance account, the medical services performed, and the amount to be paid. Receive and display the payment results for the medical services returned by the medical insurance system.

11. The method as described in claim 10, wherein accessing the medical insurance system via the medical insurance payment page address and instructing the medical insurance system to send the user's electronic medical insurance certificate to the non-accepting device, specifically includes: 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 on the medical insurance payment page, an authorization message is sent to the medical insurance system, causing the medical insurance system to send the user's electronic medical insurance certificate to the non-accepting device based on the authorization message.

12. The method of claim 11, further comprising: When displaying the medical insurance payment page to the user, the user's information is asynchronously sent to the medical insurance system, so that the medical insurance system can generate the user's electronic medical insurance voucher based on the user information sent by the user's terminal.

13. The method of claim 11, further comprising: Receive the user's electronic medical insurance certificate asynchronously returned by the medical insurance system based on the authorization message; Display the aforementioned electronic medical insurance voucher.

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

15. A medical insurance payment method, the method being applied to non-medical devices, the method comprising: In response to contactless communication with the user terminal, the system retrieves the user's electronic medical insurance voucher from the medical insurance system. The electronic medical insurance voucher is obtained by the user terminal based on the contactless communication, which obtains the medical insurance payment page address stored in the non-receiving device, and accesses the medical insurance system through the medical insurance payment page address, instructing the medical insurance system to send the user's electronic medical insurance voucher to the non-receiving device; The electronic medical insurance voucher is sent to the medical service system, which then uses the voucher to query the outstanding payment amount for the medical services performed by the user. The system then sends the electronic medical insurance voucher, the medical services performed, and the outstanding payment amount to the medical insurance system, which uses the voucher to determine the user's medical insurance account and uses the account, the medical services performed, and the outstanding payment amount to settle and pay for the medical services.

16. The method of claim 15, further comprising, before obtaining the user's electronic medical insurance voucher from the medical insurance system in response to contactless communication with the user terminal: Receive and save the medical insurance payment page address sent by the non-acceptance server, wherein the medical insurance payment page address is obtained in advance from the medical insurance system by the non-acceptance server.

17. A medical insurance payment method, said method being applied to a non-receiving service terminal, said method comprising: 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; The system receives the user's electronic medical insurance voucher sent by the medical insurance system; wherein the electronic medical insurance voucher is sent by the user's terminal when the user terminal communicates with the non-receiving device without contact, after obtaining the medical insurance payment page address stored on the non-receiving device through the contactless communication, accessing the medical insurance system through the medical insurance payment page address, and instructing the medical insurance system to send it. The electronic medical insurance voucher is sent to the non-accepting device, which then sends the electronic medical insurance voucher to the medical service system. The medical service system uses the electronic medical insurance voucher to query the outstanding payment amount corresponding to the medical service performed by the user, and sends the electronic medical insurance voucher, the medical service, and the outstanding payment amount to the medical insurance system. The medical insurance system uses the electronic medical insurance voucher to determine the user's medical insurance account, and then settles and pays for the medical service based on the medical insurance account, the medical service, and the outstanding payment amount.

18. A medical insurance payment device, the device being applied to a user terminal, the device comprising: A contactless communication module is used to communicate contactlessly with a non-receiving device. Based on the contactless communication, it obtains the medical insurance payment page address stored in the non-receiving device, accesses the medical insurance system through the medical insurance payment page address, and instructs the medical insurance system to send the user's electronic medical insurance voucher to the non-receiving device. The non-receiving device then sends the electronic medical insurance voucher to the medical business system, so that the medical business system can query the amount to be paid for the medical service performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical service, and the amount to be paid to the medical insurance system. The medical insurance system can then determine the user's medical insurance account based on the electronic medical insurance voucher, and settle and pay for the medical service based on the medical insurance account, the medical service, and the amount to be paid. The receiving module is used to receive and display the payment results for the medical services returned by the medical insurance system.

19. A medical insurance payment device, the device being used in a non-receiving device, the device comprising: The acquisition module, in response to contactless communication with the user terminal, retrieves the user's electronic medical insurance voucher from the medical insurance system; The electronic medical insurance voucher is obtained by the user terminal based on the contactless communication, which obtains the medical insurance payment page address stored in the non-receiving device, and accesses the medical insurance system through the medical insurance payment page address, instructing the medical insurance system to send the user's electronic medical insurance voucher to the non-receiving device; The sending module is used to send the electronic medical insurance voucher to the medical business system, so that the medical business system can query the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical services, 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 electronic medical insurance voucher, and settle and pay for the medical services based on the medical insurance account, the medical services, and the amount to be paid.

20. A medical insurance payment device, the device being applied to a non-acceptance server, the device comprising: The page address transmission module 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-receiving device; The receiving module is used to receive the user's electronic medical insurance voucher sent by the medical insurance system; wherein, the electronic medical insurance voucher is sent by the user's terminal when the user terminal communicates with the non-receiving device in contactless communication, after obtaining the medical insurance payment page address stored by the non-receiving device based on the contactless communication, accessing the medical insurance system through the medical insurance payment page address, and instructing the medical insurance system to send it. The sending module is used to send the electronic medical insurance voucher to the non-accepting device, so that the non-accepting device sends the electronic medical insurance voucher to the medical business system. The medical business system can then query the amount to be paid for the medical services performed by the user based on the electronic medical insurance voucher, and send the electronic medical insurance voucher, the medical services, and the amount to be paid to the medical insurance system. The medical insurance system can then determine the user's medical insurance account based on the electronic medical insurance voucher, and settle and pay for the medical services based on the medical insurance account, the medical services, and the amount to be paid.

21. A computer-readable storage medium storing a computer program that, when executed by a processor, implements the method described in any one of claims 10-17.

22. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor, when executing the program, implements the method described in any one of claims 10-17.

Images