Medical expense processing method and device

Abstract

The embodiment of the invention provides a medical expense processing method and device, and the method comprises the steps: generating a payment guarantee identifier of a user in a medical expense payment process, transmitting the payment guarantee identifier to a user terminal, and carrying out the settlement of the payment guarantee identifier according to a settlement request transmitted after a medical institution scans the payment guarantee identifier of the user, the payment limit of the user is inquired from the secret calculation node, the secret calculation node inputs the guarantee project information and the medical expense information synchronized by the medical insurance institution into a payment calculation model for calculation to obtain the payment limit, the payment limit is returned, and medical expense payment is performed to the medical institution from the funding account of the payment institution according to the payment limit. Therefore, the payment mechanism helps the user to pay the medical cost under the condition that the user participates in the guarantee project.

Description

Technical Field

[0001] This document relates to the technical field of data processing, and particularly to a medical expense processing method and apparatus. Background Art

[0002] With the continuous development and popularization of the Internet, the application scope of online services provided based on the Internet is also becoming wider and wider, and has gradually covered most users. In this case, various forms of online service scenarios have emerged, such as online purchase and claims settlement of commercial medical insurance projects through the Internet. However, with the increasing number of insured users, how to provide more convenient and efficient medical insurance project services to users has become the focus of increasing attention from all parties. Summary of the Invention

[0003] One or more embodiments of this specification provide a medical expense processing method, which is applied to a payment server. The method includes: generating a payment guarantee identifier based on the user information and guarantee project information of the user and sending it to the user terminal. According to the settlement request sent by the medical institution after scanning the payment guarantee identifier, sending a quota query request to the cryptographic calculation node to calculate the payment quota of the user at the cryptographic calculation node. Making a medical expense payment to the medical institution based on the capital account of the payment institution according to the payment quota returned by the cryptographic calculation node. Wherein, the payment quota is obtained by inputting the guarantee project information and the medical expense information of the user synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution for payment quota calculation.

[0004] One or more embodiments of this specification provide another medical expense processing method, including: obtaining the payment guarantee identifier generated by the payment server based on the user information and guarantee project information of the user. Displaying the payment guarantee identifier to the medical institution for payment quota application. Obtaining the payment result of the medical expense payment made by the payment server from the institutional account of the payment institution to the medical institution according to the payment quota of the user. Wherein, the payment quota is obtained by inputting the guarantee project information and the medical expense information of the user synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution at the cryptographic calculation node for payment quota calculation.

[0005] One or more embodiments of this specification provide a medical expense processing device that runs on a payment server. The device includes: an identification sending module configured to generate a payment guarantee identification based on the user information and guarantee item information of the user and send it to the user terminal; a quota query module configured to send a quota query request to a cryptographic calculation node according to a settlement request sent by a medical institution after scanning the payment guarantee identification, so as to calculate the payment quota of the user at the cryptographic calculation node; and an expense payment module configured to make a medical expense payment to the medical institution based on the capital contribution account of the payment institution according to the payment quota returned by the cryptographic calculation node. Wherein, the payment quota is obtained by inputting the guarantee item information and the medical expense information of the user synchronized by the medical insurance institution into a payment calculation model deployed by a guarantee institution for payment quota calculation.

[0006] One or more embodiments of this specification provide another medical expense processing device, including: an identification acquisition module configured to acquire a payment guarantee identification generated by a payment server based on the user information and guarantee item information of the user; an identification display module configured to display the payment guarantee identification to a medical institution for applying for a payment quota; and a result acquisition module configured to acquire a payment result of the payment server making a medical expense payment to the medical institution from the institutional account of the payment institution according to the payment quota of the user. Wherein, the payment quota is obtained by inputting the guarantee item information and the medical expense information of the user synchronized by the medical insurance institution into a payment calculation model deployed by a guarantee institution at a cryptographic calculation node for payment quota calculation.

[0007] One or more embodiments of this specification provide a medical expense processing device, including: a processor; and a memory configured to store computer-executable instructions, where the computer-executable instructions, when executed, cause the processor to: generate a payment guarantee identification based on the user information and guarantee item information of the user and send it to the user terminal; send a quota query request to a cryptographic calculation node according to a settlement request sent by a medical institution after scanning the payment guarantee identification, so as to calculate the payment quota of the user at the cryptographic calculation node; and make a medical expense payment to the medical institution based on the capital contribution account of the payment institution according to the payment quota returned by the cryptographic calculation node. Wherein, the payment quota is obtained by inputting the guarantee item information and the medical expense information of the user synchronized by the medical insurance institution into a payment calculation model deployed by a guarantee institution for payment quota calculation.

[0008] One or more embodiments of this specification provide another medical expense processing device, including: a processor; and a memory configured to store computer-executable instructions, which when executed cause the processor to: obtain a payment guarantee identifier generated by a payment server based on user information and guarantee item information of a user. Display the payment guarantee identifier to a medical institution for applying for a payment limit. Obtain a payment result of the payment server for paying medical expenses from an institutional account of a payment institution to the medical institution according to the payment limit of the user. Wherein, the payment limit is obtained by inputting the guarantee item information and the medical expense information of the user synchronized by a medical insurance institution into a payment calculation model deployed by a guarantee institution at a cryptographic calculation node for payment limit calculation.

[0009] One or more embodiments of this specification provide a computer-readable storage medium for storing computer-executable instructions, which when executed implement the following process: generate a payment guarantee identifier based on user information and guarantee item information of a user and send it to a user terminal. According to a settlement request sent by a medical institution after scanning the payment guarantee identifier, send a limit query request to a cryptographic calculation node to obtain the payment limit of the user by performing payment limit calculation at the cryptographic calculation node. Make a medical expense payment to the medical institution based on a capital contribution account of a payment institution according to the payment limit returned by the cryptographic calculation node. Wherein, the payment limit is obtained by inputting the guarantee item information and the medical expense information of the user synchronized by a medical insurance institution into a payment calculation model deployed by a guarantee institution for payment limit calculation.

[0010] One or more embodiments of this specification provide another computer-readable storage medium for storing computer-executable instructions, which when executed implement the following process: obtain a payment guarantee identifier generated by a payment server based on user information and guarantee item information of a user. Display the payment guarantee identifier to a medical institution for applying for a payment limit. Obtain a payment result of the payment server for paying medical expenses from an institutional account of a payment institution to the medical institution according to the payment limit of the user. Wherein, the payment limit is obtained by inputting the guarantee item information and the medical expense information of the user synchronized by a medical insurance institution into a payment calculation model deployed by a guarantee institution at a cryptographic calculation node for payment limit calculation. Description of the Drawings

[0011] To more clearly illustrate the technical solutions in one or more embodiments of this specification or the prior art, the following will briefly introduce the accompanying drawings required for the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only some embodiments described in this specification. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings; Figure 1 Schematic diagram of the implementation environment of a medical expense processing method provided for one or more embodiments of this specification; Figure 2 Processing flow chart of a medical expense processing method provided for one or more embodiments of this specification; Figure 3 Processing flow chart of a medical expense processing method applied to the medical insurance settlement scenario provided for one or more embodiments of this specification; Figure 4 Processing flow chart of a medical expense processing method applied to the prepayment scenario provided for one or more embodiments of this specification; Figure 5 Processing flow chart of a medical expense processing method provided for one or more embodiments of this specification; Figure 6 Schematic diagram of an embodiment of a medical expense processing device provided for one or more embodiments of this specification; Figure 7 Schematic diagram of another embodiment of a medical expense processing device provided for one or more embodiments of this specification; Figure 8 Schematic diagram of the structure of a medical expense processing device provided for one or more embodiments of this specification; Figure 9 Schematic diagram of the structure of another medical expense processing device provided for one or more embodiments of this specification. Detailed implementation manners

[0012] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the following will clearly and completely describe the technical solutions in one or more embodiments of this specification in conjunction with the accompanying drawings in one or more embodiments of this specification. Obviously, the described embodiments are only some embodiments of this specification, rather than all embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this document.

[0013] The medical expense processing method provided by one or more embodiments of this specification is applicable to the implementation environment of medical expense settlement. Refer to Figure 1, the implementation environment at least includes: The user's user terminal 101, payment server 102, cryptographic calculation node 103, and the medical device 104 of the medical institution. In addition, the implementation environment may further include the medical server 105 of the medical institution and the guarantee server 106 of the guarantee institution; Among them, the user's user terminal 101 is used to access the payment guarantee identifier, and can also be used to access the medical insurance identifier, and cooperate with the payment server 102 to perform medical expense payment. The user's user terminal 101 can specifically be a mobile phone, personal computer, tablet computer, e-book reader, device for information interaction based on VR (Virtual Reality), in-vehicle terminal, IoT device, wearable intelligent device, laptop computer, desktop computer, and so on; The payment server 102 is used to provide the payment guarantee identifier and medical insurance identifier accessed by the user terminal 101, obtain the user's payment limit by querying the limit from the cryptographic calculation node during the medical expense processing, and help the user to advance the medical expenses according to the payment limit, and can also help the user to apply for guarantee. Specifically, the payment server 102 can be a single server, or a server cluster composed of several servers, or one or more cloud servers in a cloud computing platform.

[0014] The cryptographic calculation node 103 is used to deploy the payment calculation model of the guarantee institution, and input the guarantee project information and the user's medical expense information synchronized by the medical insurance institution into the payment calculation model to calculate the payment limit, and obtain the user's payment limit; the cryptographic calculation node 103 can be deployed on the processing platform of the medical insurance institution, or on the payment server 102 or the medical server 105 of the medical institution, or can also be deployed on the co-management server or public server jointly managed by the payment institution and the medical insurance institution, or deployed on the co-management server or public server jointly managed by the medical insurance institution, medical institution and / or guarantee institution.

[0015] In this implementation environment, during the medical expense processing, the payment server 102 generates a payment guarantee identifier based on the user's user information and guarantee project information and sends it to the user terminal 101. After receiving the payment guarantee identifier, the user terminal 101 displays the payment guarantee identifier to the medical institution. After scanning the payment guarantee identifier, the medical institution generates a settlement request and sends it to the payment server 102. The payment server 102 sends a quota query request to the encryption calculation node 103 according to the settlement request. The encryption calculation node 103 calculates the payment quota based on the query request to obtain the user's payment quota and returns it to the payment server 102. The payment server 102 makes a medical expense payment to the medical institution based on the payment quota returned by the encryption calculation node 103 and the contribution account of the payment institution, so as to help the user with the advance payment of dependent expenses during the medical expense payment process when the user participates in the guarantee project.

[0016] Before generating the payment guarantee identifier and sending it to the user terminal 101, the payment server 102 can also return the user's medical insurance identifier to the user terminal 101, so that the user can initiate medical insurance settlement or medical insurance verification through the medical insurance identifier, and thus can make medical expense payments based on medical insurance settlement and medical insurance verification.

[0017] One or more embodiments of a medical expense processing method provided in this specification are as follows: Refer to Figure 2 , the medical expense processing method provided in this embodiment can be applied to a payment server, and the method specifically includes steps S202 to S206.

[0018] Step S202, generate a payment guarantee identifier based on the user's user information and guarantee project information and send it to the user terminal.

[0019] The guarantee project information in this embodiment refers to the project information of the medical guarantee project participated by the user. Specifically, the medical guarantee project here refers to the medical guarantee project purchased and participated by the user in a commercial guarantee institution. This medical guarantee project can provide guarantee for the user's medical expense settlement. The guarantee can be to return or provide corresponding funds to the user. For example, the disease insurance project or health insurance project purchased by the user in a commercial insurance institution, or the disease insurance project or health insurance project provided by a commercial insurance institution purchased by the user in an application program (such as the payment application of a payment institution) of a service institution or a service institution (such as a payment institution).

[0020] During the specific execution process, the guaranteed project information can be the guaranteed institution first selected by the user, and then the guaranteed project information of the medical insurance project participated by the user queried from the guaranteed institution selected by the user. For example, the user selects a guaranteed institution from the list of guaranteed institutions in the application program (such as a payment application). After the user selects the guaranteed institution, the payment server queries the guaranteed project information of the medical insurance project participated by the current user according to the guaranteed institution selected by the user; In addition, the guaranteed project information is also the guaranteed project information of the medical insurance project obtained by querying according to the input information entered by the user. The input information can be keywords related to the user's identity, keywords of the guaranteed institution, and / or keywords of the medical insurance project; Alternatively, the guaranteed project information can be the guaranteed project information of the medical insurance project purchased by the user in the application program currently interacting with the payment server. In the case where the user purchases a medical insurance project through the application program, the user can perform relevant operations such as exiting, renewing, or applying for guarantee for the medical insurance project in the application program where the medical insurance project is purchased; Or, the guaranteed project information can also be the guaranteed project information of the medical insurance project bound by the user in the application program. For example, the user binds the medical insurance project to the application program by submitting relevant information of the medical insurance project in the application program. After binding, relevant operations such as exiting, renewing, or applying for guarantee for the medical insurance project can be performed in the application program.

[0021] The user information refers to information related to the user's identity. For example, user information containing the user's identity identifier, or user information containing the user identifier in the application program. The user information can specifically be obtained from the user data stored in the user's application account in the application program.

[0022] In this embodiment, the payment guarantee identifier refers to the payment identifier for the payment institution to help the user pay the medical expenses in the case where the user has participated in the medical insurance project. The payment institution helps the user pay the medical expenses before the user applies for guarantee for the medical insurance project. For example, the payment institution helps the user pay the medical expenses before the user makes a claim for the disease insurance project or health insurance project already purchased from a commercial insurance institution; the form of the payment guarantee identifier can be an identification code, or other forms, such as barcodes, strings, or secret key characters, etc. Specifically, the payment guarantee identifier can be generated according to the user's user information and the user's guaranteed project information, specifically according to the user's user information and the guaranteed project information of the medical insurance project participated by the user. In addition, it can also be generated according to the user's user information, the user's guaranteed project information, and / or the user's medical insurance information. The medical insurance information can be the user's medical insurance information, or the medical insurance institution information of the medical insurance institution to which the area where the user is located belongs.

[0023] In specific implementation, after generating the payment guarantee identifier, send the payment guarantee identifier to the user terminal. After receiving the payment guarantee identifier, the user terminal displays the payment guarantee identifier to the medical institution. The purpose of the display is to apply for a payment limit, that is, to apply for and obtain a payment limit, that is, to apply to the payment institution for a payment limit to help the user pay medical expenses.

[0024] In the specific execution process, after generating the payment guarantee identifier based on the user's user information and guarantee project information, send the payment guarantee identifier to the application program that interacts with the payment server. The user accesses the payment guarantee identifier through the application program installed on the user terminal and displays the payment guarantee identifier to the institutional device of the medical institution. After the institutional device scans the payment guarantee identifier, it can parse the payment guarantee identifier, and then the medical server that interacts with the institutional device applies for a payment limit according to the parsing result. Specifically, the medical server sends a settlement request to the payment server to apply for a payment limit.

[0025] In practical applications, when the user pays medical expenses, it is often necessary to pay medical expenses on the basis of medical insurance settlement in the medical insurance institution. For example, pay the self-paid amount remaining after medical insurance settlement in the medical insurance expenses. In view of this, before sending the payment guarantee identifier to the user terminal, the user's medical insurance identifier can also be sent to the user terminal, so that the user can initiate medical insurance settlement by presenting the medical insurance identifier to the medical institution, and then the payment institution can help the user pay medical expenses on the basis of medical insurance settlement.

[0026] In an optional implementation manner provided in this embodiment, before sending the payment guarantee identifier to the user terminal, perform the following operations: Obtain the user's medical insurance identifier and send it to the user terminal to initiate medical insurance settlement to the medical insurance institution after the medical insurance identifier is scanned by the medical institution; Optionally, after the medical insurance institution completes the settlement, it synchronizes the medical expense information to the encryption calculation node.

[0027] In the specific implementation process, the medical insurance identifier can be the medical insurance code accessed by the user through the application. The medical insurance identifier can be obtained by the payment server querying the medical insurance institution. Specifically, after obtaining the user's authorization, the medical insurance institution can be queried for the user's medical insurance identifier, and the queried medical insurance identifier can be returned to the user terminal. After the user shows the medical insurance identifier to the medical institution, the medical institution will initiate corresponding medical insurance settlement to the medical insurance institution after scanning the medical insurance identifier. After the medical insurance settlement is completed, the amount of medical insurance settlement in the user's medical expenses and the payment amount that the user needs to pay out of his own pocket can be obtained; the medical expense information can be the payment amount that the user needs to pay out of his own pocket, and can also include the expense information of the payment amount, and can also be the medical insurance settlement result. In addition, the medical expense information can also include any one of the payment amount, the expense information including the payment amount, and the medical insurance settlement result and the details of the user's medical expenses at the medical institution.

[0028] In addition, in the scenario of paying medical expenses on the basis of medical insurance settlement by the medical insurance institution, there may also be a situation where the medical institution inputs the user's identity identifier for medical insurance settlement. In this regard, the medical institution can also initiate medical insurance settlement by inputting the user's identity identifier. Optionally, after inputting the user's identity identifier, the medical institution initiates medical insurance settlement to the medical insurance institution based on the identity identifier.

[0029] In addition to the scenario of paying medical expenses on the basis of medical insurance settlement provided above by the medical insurance institution, there are actually many scenarios where medical funds are paid directly without medical insurance settlement. For example, when being hospitalized, a certain amount of advance payment or prepayment needs to be paid. In this case, medical insurance settlement cannot be carried out. In this regard, the medical institution and the medical insurance institution can cooperate to conduct medical insurance verification or medical insurance registration, so that the payment institution can help the user pay the medical expenses on the basis of medical insurance verification or medical insurance registration.

[0030] Specifically, before sending the payment guarantee identifier to the user terminal, the user's medical insurance identifier can be obtained and sent to the user terminal to display the medical insurance identifier on the user terminal; Optionally, after scanning the medical insurance identifier, the medical institution sends a verification request to the medical insurance institution. The medical insurance institution performs verification processing in response to the verification request and synchronizes the medical expense information including the verification result to the cryptographic calculation node; Or, after scanning the medical insurance identifier, the medical institution sends a registration request to the medical insurance institution. The medical insurance institution performs registration processing in response to the registration request and synchronizes the medical expense information including the registration result to the cryptographic calculation node; During the specific execution process, after obtaining the user's authorization, the medical insurance identification of the user can be queried from the medical insurance institution, and the queried medical insurance identification can be returned to the user terminal. After the user shows the medical insurance identification to the medical institution, the medical institution will initiate corresponding verification processing or registration processing to the medical insurance institution after scanning the medical insurance identification. Here, the medical expense information synchronized by the medical insurance institution to the cryptographic calculation node can be the medical expense information including the verification result or the registration result, or the medical expense information including the verification result or the registration result and the prepayment information of the user's prepayment to the medical institution. Or, the prepayment information of the user's prepayment to the medical institution can be directly used as the medical expense information and synchronized to the cryptographic settlement, that is: synchronizing the medical expense information including the verification result to the cryptographic calculation node can be replaced by synchronizing the verification result or the registration result and the prepayment information to the cryptographic calculation node, and can also be replaced by synchronizing the prepayment information to the cryptographic calculation node after the verification is passed or the registration is successful.

[0031] In addition, in the scenario of medical insurance verification or medical insurance registration through the cooperation between the medical institution and the medical insurance institution, there may also be a situation where the medical institution inputs the user's identity identification for medical insurance settlement. In this regard, the medical institution can also initiate medical insurance verification or medical insurance registration by inputting the user's identity identification. Optionally, after the medical institution inputs the user's identity identification, it sends a verification request or a registration request to the medical insurance institution based on the identity identification.

[0032] Step S204: According to the settlement request sent after the medical institution scans the payment guarantee identification, send a quota query request to the cryptographic calculation node to calculate the payment quota of the user at the cryptographic calculation node.

[0033] After generating the payment guarantee identification based on the user's user information and guarantee project information as described above, the payment guarantee identification is sent to the user terminal. The user shows the payment guarantee identification to the medical institution. The medical institution can be a hospital, a pharmacy, and / or a medical period institution. After the medical institution scans the payment guarantee identification, it sends a settlement request, which is specifically a settlement request for the user's expense list at the medical institution. Specifically, the medical server interacting with the institution device can send the settlement request to the payment server, and correspondingly, the settlement request received and sent here.

[0034] The cryptographic computing node refers to a node that processes user data without leaving the domain. The cryptographic computing node can be deployed on the processing platform of the medical insurance institution. Optionally, the cryptographic computing node includes a cryptographic computing space deployed on the processing platform of the medical insurance institution, and payment calculation models of each guarantee institution are deployed inside the cryptographic computing space, and the payment amount calculation is performed within the cryptographic computing space. In addition, the cryptographic computing node can also be deployed on the payment server or the medical server of the medical institution, or can be deployed on the co-managed server or public server jointly managed by the payment institution and the medical insurance institution, or deployed on the co-managed server or public server jointly managed by the medical insurance institution, the medical institution and / or the guarantee institution.

[0035] The payment amount refers to the amount that the service institution or payment institution helps the user to pay for medical expenses on the basis that the user has purchased and participated in the medical security project. Specifically, this payment amount can be the self-payment amount that the service institution or payment institution helps the user to pay for the remaining self-paid amount after medical insurance settlement on the basis that the user has purchased and participated in the medical security project. It should be noted that the medical security project mentioned in this embodiment is different from medical insurance, and specifically can be a commercial medical security project provided by a commercial guarantee institution. In addition, this payment amount can also be the advance payment amount or prepayment amount that the service institution or payment institution helps the user to pay for the advance payment or prepayment paid to the medical institution on the basis that the user has purchased and participated in the medical security project.

[0036] In specific implementation, after receiving the sent settlement request, a quota query request is sent to the cryptographic computing node according to the settlement request to obtain the user's payment amount by calculating the payment amount at the cryptographic computing node. The purpose of sending the quota query request to the cryptographic computing node here is to determine the payment amount for helping the user to pay for medical expenses.

[0037] Optionally, the payment amount is obtained by inputting the guarantee project information and the user's medical expense information synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution for payment amount calculation. Based on this, when the cryptographic computing node is deployed on the processing platform of the medical insurance institution, it can ensure that the user data does not leave the domain during the processing link of the medical insurance institution, and improve the security of the user data during the processing link of the medical insurance institution.

[0038] In the specific implementation process, the payment calculation model is deployed by the guarantee institution on the encrypted computing node. Specifically, the payment calculation model can be accessed through an interface for deployment on the encrypted computing node. Here, the payment calculation model refers to a model used to calculate or evaluate the amount of medical expense payment that the payment institution helps the user with when the user has participated in the medical insurance program. The input of this payment calculation model includes the information of the medical insurance program that the user has participated in and the medical expense information of the user synchronized by the medical insurance institution. The payment calculation model calculates or evaluates the amount of medical expense payment that the payment institution helps the user with based on the input medical insurance program information and medical expense information, and the output payment amount is the amount of medical expense payment that the payment institution helps the user with.

[0039] Among them, the guarantee institution can deploy corresponding payment calculation models for each medical insurance program on the encrypted computing node respectively, that is: the payment amount is obtained by inputting the medical insurance program information and medical expense information into the corresponding payment calculation model deployed by the guarantee institution for payment amount calculation. Here, the corresponding payment calculation model refers to the payment calculation model corresponding to the medical insurance program that the user has participated in, that is, the payment calculation model corresponding to the medical insurance program information, or the payment calculation model corresponding to the project identifier carried by the medical insurance program information; In addition, the guarantee institution can deploy a payment calculation model on the encrypted computing node for multiple medical insurance programs. In this case, the corresponding relationship between the medical insurance program and the payment calculation model is a many-to-one relationship, that is: the payment amount is obtained by inputting the medical insurance program information and medical expense information into the corresponding payment calculation model deployed by the guarantee institution for payment amount calculation. Here, the corresponding payment calculation model can also be the payment calculation model corresponding to the medical insurance program that the user has participated in, that is, the payment calculation model corresponding to the medical insurance program information, or the payment calculation model corresponding to the project identifier carried by the medical insurance program information.

[0040] Specifically, the medical expense information of the user synchronized by the medical insurance institution can be the relevant data after the medical insurance institution conducts medical insurance settlement, such as medical insurance settlement data, or the out-of-pocket medical data that the user needs to pay out of pocket after medical insurance settlement; in addition, the medical expense information can also be the data after the medical insurance institution conducts other medical insurance-related processing without conducting medical insurance settlement. In this case, the medical expense information can specifically be the relevant data after the medical insurance institution conducts medical insurance verification or medical insurance registration, such as prepaid expenses or advance payment expenses, or the verification result of medical insurance verification, or the registration result of medical insurance registration, or the verification result of medical insurance verification and prepaid expenses or advance payment expenses, or the registration result of medical insurance registration and prepaid expenses or advance payment expenses.

[0041] It should be noted that the medical expense information can also be replaced with other corresponding data according to the actual scenario needs. For example, the medical expense information can be replaced with prepaid expenses or advance payment expenses. Additionally, the medical expense information can be replaced with prepaid expenses or advance payment expenses, or it can be replaced with the verification result of medical insurance verification, or it can be replaced with the registration result of medical insurance registration, or it can be replaced with the verification result of medical insurance verification and prepaid expenses or advance payment expenses, or it can be replaced with the registration result of medical insurance registration and prepaid expenses or advance payment expenses.

[0042] In this embodiment, in order to improve the data security of the user data flowing between the payment server and the cryptographic calculation node, the user data can also be encrypted, and the user data is transferred in an encrypted transmission manner. In this way, based on the cryptographic calculation node being deployed on the processing platform of the medical insurance institution, it can be ensured that the user data does not leave the domain during the processing link of the medical insurance institution. Combining with the encrypted transmission method for the transfer of user data can comprehensively ensure the data security during the medical expense processing.

[0043] Optionally, the quota query request carries the encrypted text of the guarantee project information obtained by encrypting the guarantee project information, and decrypts the encrypted text of the guarantee information in the cryptographic calculation space to obtain the guarantee project information.

[0044] Step S206: Based on the payment quota returned by the cryptographic calculation node, make a medical expense payment to the medical institution from the capital account of the payment institution.

[0045] In specific implementation, after the cryptographic calculation node calculates the payment quota to obtain the user's payment quota, specifically, it inputs the guarantee project information and medical expense information into the payment calculation model deployed by the guarantee institution to calculate the payment quota, and then returns the obtained payment quota to the payment server, so that the payment institution can help the user make a medical expense payment when the user has participated in the medical insurance project. Correspondingly, here, based on the payment quota returned by the cryptographic calculation node, a medical expense payment is made to the medical institution from the capital account of the payment institution.

[0046] Among them, the capital account of the payment institution can be the fund account of the payment institution, or it can also be the fund account providing fund services or the factoring account providing factoring services by the payment institution. In addition, the capital account of the payment institution can also be replaced with the fund account of the affiliated institution of the payment institution, the fund account providing fund services or the factoring account providing factoring services. For example, the capital account of the payment institution can also be replaced with the fund account of the factoring institution or the financing institution that has established a fund agreement with the payment institution.

[0047] In an actual scenario where a user makes a medical expense payment, such as in a scenario where medical expense payment is made on the basis of medical insurance settlement by a medical insurance institution, or in a scenario where the medical insurance institution does not conduct medical insurance settlement and directly conducts medical fund payment (such as when a certain advance payment or prepayment is required during hospitalization), there may be a situation where the payment amount returned by the encryption calculation node is less than the amount of medical expenses that the user needs to pay (the amount to be paid / the amount to be paid). For example, the payment amount is less than the out-of-pocket amount remaining after the medical insurance institution conducts medical insurance settlement. Another example is that the payment amount is less than the advance payment or prepayment. In view of this, in order to improve the convenience and success rate of the user's medical expense payment, the difference between the payment amount and the amount to be paid / the amount to be paid (the difference to be paid) can also be calculated, and the payment can be deducted and paid according to the difference in the user's payment account in the application program, or the payment can be deducted and paid according to the difference in the payment channel bound by the user in the application program. In addition, the user can also pay the difference by displaying the payment code of the application program or scanning the collection code of the medical institution.

[0048] In this embodiment, the payment institution helps the user make a medical expense payment before the user makes a guarantee application for a medical security project. For example, the payment institution helps the user make a medical expense payment before the user makes a claim for a disease insurance project or a health insurance project that has been purchased from a commercial insurance institution. The funds paid by the payment institution to help the user will be returned to the payment institution after the guarantee application for the medical security project is made, that is, the funds for making the medical expense payment are returned to the payment institution after the user makes the guarantee application.

[0049] On this basis, in order to improve the application efficiency and convenience of the user's guarantee application, and at the same time to reduce the length of the period from when the payment institution helps the user make a medical expense payment to when the user makes a guarantee application and then returns to the payment institution, thereby reducing the financial pressure on the payment institution, an automated guarantee application method can be adopted. Specifically, the guarantee application can be made according to the type of medical expense corresponding to the medical expense information.

[0050] Optionally, guarantee application models of each guarantee institution are deployed inside the encryption calculation space, and the guarantee application processing based on the guarantee application models is carried out inside the encryption calculation space.

[0051] The guarantee application model refers to a model used to calculate or evaluate the amount of guarantee funds issued to the user in the case where the user has participated in a medical security project. The input of the guarantee application model can be guarantee project information and medical expense information. After the guarantee application model processes the input guarantee project information and medical expense information for guarantee application, it outputs the guarantee amount, and the guarantee amount refers to the amount compensated to the user for the medical security project that the user has participated in.

[0052] Here, the guarantee item information input into the guarantee application model can be the guarantee item information input into the above payment calculation model, or it can be the item information related to the medical insurance project participated by the user, such as project details or guarantee details, etc. In the case where the guarantee item information input into the payment calculation model is different from the guarantee item information input into the guarantee application model, the guarantee item information input into the payment calculation model can be referred to as the first guarantee item information, and the guarantee item information input into the guarantee application model can be referred to as the second guarantee item information; the medical expense information input into the guarantee application model can be the medical expense information input into the above payment calculation model, or it can be medical expense information different from the medical expense information of the above payment calculation model. In this case, the medical expense information input into the payment calculation model can be referred to as the first medical expense information, and the medical expense information input into the guarantee application model can be referred to as the second medical expense information.

[0053] In practical applications, there may be various situations in the scenario of medical expense payment. For example, the medical expense payment when the user visits the outpatient department, the medical expense payment when the medical institution collects the prepayment when the user is admitted to the hospital, the medical expense payment when the user is discharged from the hospital, and the medical expense payment when the user buys medicine at the pharmacy. And in different situations, the requirements or regulations for medical insurance settlement and guarantee application during the medical expense payment process may be different. In view of this, different guarantee application modes can be set for different medical expense payment scenarios.

[0054] Specifically, an automated guarantee application can be carried out immediately after the medical expense payment to help the user apply for guarantee as quickly as possible, so that the user can obtain the funds for guarantee application compensation within a short time after the medical expense payment, and at the same time, to reduce the financial pressure brought by the payment institution to help the user pay the medical expenses as much as possible. In an optional implementation manner provided in this embodiment, the following method is adopted for guarantee application after the medical expense payment: Generate a guarantee application request and send it to the encryption calculation node to input the guarantee item information and the user's medical expense information into the guarantee application model deployed by the guarantee institution for guarantee application processing to obtain the guarantee amount; Receive the guarantee amount returned by the encryption calculation node and send it to the guarantee institution.

[0055] After that, after receiving the guarantee amount sent by the encryption calculation node, the guarantee institution distributes the guarantee funds according to the guarantee amount; in addition, the guarantee amount can also be sent by the encryption calculation node to the guarantee institution, and after receiving the guarantee amount sent by the encryption calculation node, the guarantee institution distributes the guarantee funds according to the guarantee amount; or, the above guarantee application process can also be replaced by: inputting the guarantee project information and the user's medical expense information into the guarantee application model deployed by the guarantee institution to process the guarantee application to obtain the guarantee amount, and the guarantee institution distributes the guarantee funds according to the guarantee amount.

[0056] In practical applications, there may be a situation where the guarantee amount obtained by the guarantee institution for the user's guarantee application request is equal to the payment amount paid by the payment institution on behalf of the user. In this case, only the guarantee funds need to be returned to the payment institution. In addition, there may be a situation where the guarantee amount obtained by the guarantee institution for the user's guarantee application request is greater than the payment amount paid by the payment institution on behalf of the user. In this case, not only a part of the guarantee funds needs to be returned to the payment institution, but also the excess part of the guarantee funds needs to be distributed to the user; or, there may also be a situation where the guarantee amount obtained by the guarantee institution for the user's guarantee application request is less than the payment amount paid by the payment institution on behalf of the user. In this case, on the one hand, the guarantee funds are returned to the payment institution, and the user also needs to return funds to the payment institution. The following separately describes the process of distributing the guarantee funds according to the guarantee amount in these three cases, and at the same time describes the process of returning funds to the payment institution.

[0057] In an optional implementation manner provided by this embodiment, distributing the guarantee funds according to the guarantee amount includes: If the guarantee amount is greater than the payment amount, determine the first guarantee funds and the second guarantee funds according to the guarantee amount and the payment amount, and distribute the first guarantee funds to the receiving account of the payment institution and the second guarantee funds to the user account.

[0058] In the second optional implementation manner provided by this embodiment, distributing the guarantee funds according to the guarantee amount includes: If the guarantee amount is less than the payment amount, distribute the guarantee funds to the receiving account of the payment institution; In addition, the user also needs to return funds to the payment institution, which specifically includes: deducting funds from the user account according to the difference between the payment amount and the guarantee amount (the payment amount minus the guarantee amount), and transferring the deducted funds to the receiving account of the payment institution.

[0059] In the third optional implementation manner provided by this embodiment, distributing the guarantee funds according to the guarantee amount includes: if the guarantee amount is equal to the payment amount, distribute the guarantee funds to the receiving account of the payment institution.

[0060] In addition to the automated guarantee application immediately after the medical expense payment provided above, the guarantee application time can also be determined according to the type of medical expense corresponding to the medical expense information, so as to generate a guarantee application request according to the guarantee application time and send it to the cryptographic calculation node, thereby realizing the guarantee application at the determined guarantee application time. Specifically, in another optional implementation manner provided in this embodiment, the following method is used for the guarantee application: Determine the type of medical expense corresponding to the medical expense information; If the type of medical expense is the target expense type, determine the guarantee application time of the medical expense information, so as to generate a guarantee application request according to the guarantee application time and send it to the cryptographic calculation node.

[0061] Among them, the target expense type refers to the expense type configured in advance, such as the outpatient expense type. The guarantee application time for the outpatient expense type is after T + 1 days. A guarantee application request can be generated on the (T + 1)th day and sent to the cryptographic calculation node.

[0062] Specifically, after generating a guarantee application request according to the guarantee application time and sending it to the cryptographic calculation node, the guarantee amount returned by the cryptographic calculation node can be received and sent to the guarantee institution, so that the guarantee institution can distribute the guarantee funds according to the guarantee amount. In the process of the guarantee institution distributing the guarantee funds according to the guarantee amount here, it is similar to the three implementation methods of distributing the guarantee funds according to the guarantee amount provided above. Refer to the implementation methods provided above, and this embodiment will not elaborate here one by one.

[0063] In summary, for the medical expense processing method provided in this embodiment, in the process of the payment institution helping the user to pay the medical expenses when the user has participated in the medical security project, a payment guarantee identifier is generated based on the user information and the security project information of the user, and the payment guarantee identifier is sent to the user terminal, so that the user terminal displays the payment guarantee identifier to the medical institution after receiving the payment guarantee identifier. Thereafter, according to the settlement request sent by the medical institution after scanning the payment guarantee identifier, a quota query request is sent to the cryptographic calculation node, so as to input the medical expense information of the user whose security project information and medical insurance institution are synchronized by the cryptographic calculation node into the payment calculation model deployed by the guarantee institution to calculate the payment quota of the user. Thus, when the cryptographic calculation node is deployed on the processing platform of the medical insurance institution, it can ensure that the user data does not leave the domain in the link of the medical insurance institution's processing, improve the security of the user data in the link of the medical insurance institution's processing. Further, according to the payment quota returned by the cryptographic calculation node, the medical expenses are paid to the medical institution based on the capital contribution account of the payment institution, so that the payment institution can help the user to pay the medical expenses when the user has participated in the medical security project; Further, after the medical expenses are paid, an automated guarantee application method is adopted to assist the user in applying for guarantee, so as to improve the application efficiency and convenience of the user's guarantee application. At the same time, it also reduces the length of the period from when the payment institution helps the user pay the medical expenses to when the user applies for guarantee and then returns to the payment institution, thereby reducing the financial pressure on the payment institution.

[0064] The above steps S202 to S206 provided in this embodiment can be executed by the payment server or the user terminal. It should be noted that the above steps S202 to S206 executed by the payment server and the steps S502 to S506 executed by the user terminal in the following embodiment can cooperate with each other during the execution process. Therefore, when reading this embodiment, please refer to the corresponding content of steps S502 to S506 provided in the following method embodiment, and when reading the following method embodiment, please refer to the corresponding content of steps S202 to S206 provided in this embodiment.

[0065] The following takes the application of the medical expense processing method provided in this embodiment in the medical insurance settlement scenario as an example, combined with Figure 3 , to further illustrate the medical expense processing method provided in this embodiment. See Figure 3 , the medical expense processing method applied to the medical insurance settlement scenario specifically includes the following steps.

[0066] Step S302: Obtain the user's medical insurance identifier and send it to the user terminal.

[0067] Step S306: Generate a payment guarantee identifier based on the user's information and the guarantee project information and send it to the user terminal.

[0068] Step S312: Receive the settlement request sent by the medical institution after scanning the payment guarantee identifier.

[0069] Step S314: Send a quota query request to the cryptographic calculation node according to the settlement request to calculate the payment quota of the user at the cryptographic calculation node.

[0070] Optionally, the payment quota is obtained by inputting the guarantee project information and the user's medical expense information synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution for payment quota calculation.

[0071] Step S316: Make a medical expense payment to the medical institution based on the payment account of the payment institution according to the payment quota returned by the cryptographic calculation node.

[0072] Here, after the medical expense payment is made, the payment result of the medical expense payment can also be sent to the user terminal, and the user terminal receives and displays the payment result of the medical expense payment sent by the payment server.

[0073] Step S318: Generate a guarantee application request and send it to the cryptographic calculation node to input the guarantee project information and the user's medical expense information into the guarantee application model deployed by the guarantee institution for guarantee application processing to obtain the guarantee amount.

[0074] Step S320: Receive the guarantee amount returned by the cryptographic calculation node and send it to the guarantee institution.

[0075] Optionally, the guarantee institution distributes the guarantee funds according to the guarantee amount.

[0076] It should be noted that any one step or any combination of steps S302, S306, S312 to S320 can be combined with any one step or any combination of steps S202 to S206 according to the needs of implementation and deployment to form a new implementation method; in addition, according to the actual deployment needs, any one or any combination of technical features in steps S302, S306, S312 to S320 can be combined with any one or more technical features provided by the above steps S202 to S206 to form a new implementation method; or, any one or any combination of technical features in steps S302, S306, S312 to S320 can also be replaced by any one or more technical feature combinations provided by the above steps S202 to S206 according to the actual deployment needs to form a new implementation method, which will not be elaborated here one by one.

[0077] In addition, it should be noted that the above steps S302, S306, S312 to S320 provided in this embodiment can be executed by the payment server. It should be noted that the above steps S302, S306, S312 to S320 executed by the payment server and the steps S304, S308, and S310 executed by the user terminal in the following embodiment can cooperate with each other during the execution process. Therefore, when reading this embodiment, please refer to the corresponding content of steps S304, S310, and S316 to S320 provided in the following method embodiment, and when reading the following method embodiment, please refer to the corresponding content of steps S304, S308, and S310 provided in this embodiment.

[0078] The following takes the application of a medical expense processing method provided in this embodiment in a prepayment scenario as an example, combined with Figure 4 , to further illustrate the medical expense processing method provided in this embodiment. See Figure 4 , The medical expense processing method applied to the prepayment scenario specifically includes the following steps.

[0079] Step S402: Generate a payment guarantee identifier based on the user's user information and guarantee project information and send it to the user terminal.

[0080] Step S408: Receive the settlement request sent after the medical institution scans the payment guarantee identifier.

[0081] Step S410: Send a quota query request to the cryptographic calculation node according to the settlement request to calculate the user's payment quota at the cryptographic calculation node.

[0082] Optionally, the payment quota is obtained by inputting the guarantee project information and the user's medical expense information synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution for payment quota calculation.

[0083] Step S412: Make a medical expense payment to the medical institution based on the capital contribution account of the payment institution according to the payment quota returned by the cryptographic calculation node.

[0084] Step S414: Send the payment result of the medical expense payment to the user terminal.

[0085] Step S418: Determine the guarantee application time according to the medical expense type corresponding to the medical expense information, and generate a guarantee application request according to the guarantee application time and send it to the cryptographic calculation node.

[0086] It should be noted that Step S402, any one step or any combination of steps from Step S408 to Step S414, and Step S408 can be combined with any one step or any combination of the above steps S202 to S206 to form a new implementation method according to the needs of implementation and deployment; in addition, according to the actual deployment needs, any one or any combination of technical features in Step S402, Step S408 to Step S414, and Step S408 can be combined with any one or more technical features provided by the above steps S202 to S206 to form a new implementation method; or, any one or any combination of technical features in Step S402, Step S408 to Step S414, and Step S408 can also be replaced by any one or more technical feature combinations provided by the above steps S202 to S206 according to the actual deployment needs to form a new implementation method, which will not be elaborated here one by one.

[0087] In addition, it should be noted that the above steps S402, steps S408 to S414, and step S408 provided in this embodiment can be executed by the payment server. It should be noted that the above steps S402, steps S408 to S414, and step S408 executed by the payment server can cooperate with the steps S404 to S406 and step S416 executed by the user terminal in the following embodiment during the execution process. Therefore, when reading this embodiment, please refer to the corresponding content of steps S404 to S406 and step S416 provided in the following method embodiment. When reading the following method embodiment, please refer to the corresponding content of the above steps S402, steps S408 to S414, and step S408 that can be executed by the payment server.

[0088] One or more embodiments of a medical expense processing method provided in this specification are as follows: Refer to Figure 5 , the medical expense processing method provided in this embodiment can be applied to a user terminal, and the method specifically includes steps S502 to S506.

[0089] Step S502, obtain a payment guarantee identifier generated by the payment server based on the user's user information and guarantee project information.

[0090] The guarantee project information in this embodiment refers to the project information of the medical guarantee project participated by the user. Specifically, the medical guarantee project here refers to the medical guarantee project purchased and participated by the user in a commercial guarantee institution, and this medical guarantee project can provide guarantee for the settlement of the user's medical expenses. The guarantee can be to return or provide corresponding funds to the user. For example, a disease insurance project or a health insurance project purchased by the user in a commercial insurance institution, or a disease insurance project or a health insurance project provided by a commercial insurance institution purchased by the user in the application program (such as the payment application of a payment institution) of a service institution or a service institution (such as a payment institution).

[0091] During the specific execution process, the guarantee project information can be that the user first selects a guarantee institution, and then queries the guarantee project information of the medical guarantee project participated by the user in the selected guarantee institution. For example, the user selects a guarantee institution in the guarantee institution list of the application program (such as the payment application). After the user selects the guarantee institution, the payment server queries the guarantee project information of the medical guarantee project participated by the current user in the selected guarantee institution according to the selected guarantee institution by the user; In addition, the guaranteed project information is also obtained by querying the guaranteed project information of the medical insurance project according to the input information entered by the user. The input information can be keywords related to the user's identity, keywords of the guarantee institution, and / or keywords of the medical insurance project; Alternatively, the guaranteed project information can be the guaranteed project information of the medical insurance project purchased by the user in the application program currently interacting with the payment server. In the case where the user purchases a medical insurance project through the application program, the user can perform related operations such as exiting, renewing, or applying for guarantee of the medical insurance project in the application program for purchasing the medical insurance project; Or, the guaranteed project information can also be the guaranteed project information of the medical insurance project bound by the user in the application program. For example, the user binds the medical insurance project to the application program by submitting relevant information of the medical insurance project in the application program. After binding, related operations such as exiting, renewing, or applying for guarantee of the medical insurance project can be performed in the application program.

[0092] The user information refers to information related to the user's identity, such as user information containing the user's identity identifier, or user information containing the user identifier in the application program. The user information can specifically be obtained from the user data stored in the user's application account in the application program.

[0093] In this embodiment, the payment guarantee identifier refers to a payment identifier for the payment institution to help the user pay medical expenses in the case where the user has participated in a medical insurance project. The payment institution helps the user pay medical expenses before the user applies for guarantee of the medical insurance project. For example, the payment institution helps the user pay medical expenses before the user claims compensation for a disease insurance project or a health insurance project already purchased from a commercial insurance institution; the form of the payment guarantee identifier can be an identification code, or other forms, such as barcodes, strings, or secret key characters, etc.; specifically, the payment guarantee identifier can be generated according to the user's user information and the user's guaranteed project information, specifically according to the user's user information and the guaranteed project information of the medical insurance project participated by the user. In addition, it can also be generated according to the user's user information, the user's guaranteed project information, and / or the user's medical insurance information. The medical insurance information can be the user's medical insurance information, or the medical insurance institution information of the medical insurance institution to which the area where the user is located belongs.

[0094] In practical applications, in the process of the user paying medical expenses, it is often necessary to pay medical expenses on the basis of medical insurance settlement by the medical insurance institution. For example, pay the out-of-pocket amount remaining after medical insurance settlement in the medical insurance expenses. In view of this, before obtaining the payment guarantee identifier, the user's medical insurance identifier can also be obtained, and medical insurance settlement can be initiated by displaying the medical insurance identifier to the medical institution, so that the payment institution can help the user pay medical expenses on the basis of medical insurance settlement.

[0095] In an alternative implementation provided in this embodiment, before obtaining the payment guarantee identifier generated by the payment server based on the user information and the guarantee project information of the user, the following operations are performed: obtain the medical insurance identifier of the user and display it to the medical institution.

[0096] Optionally, after scanning the medical insurance identifier, the medical institution initiates medical insurance settlement to the medical insurance institution, and after the settlement is completed, the medical insurance institution synchronizes the medical expense information to the encryption calculation node.

[0097] In the specific implementation process, the medical insurance identifier can be the medical insurance code accessed by the user through the application program. The medical insurance identifier can be obtained by the payment server querying the medical insurance institution. Specifically, after obtaining the authorization of the user, the payment server can query the medical insurance identifier of the user from the medical insurance institution and return the queried medical insurance identifier to the user terminal. After the user displays the medical insurance identifier to the medical institution, the medical institution will initiate the corresponding medical insurance settlement to the medical insurance institution after scanning the medical insurance identifier. After the medical insurance settlement is completed, the amount of medical insurance settlement in the user's medical expenses and the payment amount that the user needs to pay out of his own pocket can be obtained. The medical expense information can be the payment amount that the user needs to pay out of his own pocket, and can also include the expense information of the payment amount, and can also be the medical insurance settlement result. In addition, the medical expense information can also include any one of the payment amount, the expense information including the payment amount, and the medical insurance settlement result and the details of the user's medical expenses at the medical institution.

[0098] In addition, in the scenario where medical expenses are paid on the basis of medical insurance settlement by the medical insurance institution, there may also be a situation where the medical institution enters the user's identity identifier for medical insurance settlement. In this regard, the medical institution can also initiate medical insurance settlement by entering the user's identity identifier. Optionally, after entering the user's identity identifier, the medical institution initiates medical insurance settlement to the medical insurance institution based on the identity identifier.

[0099] In addition to the above-mentioned scenario where medical expenses are paid on the basis of medical insurance settlement by the medical insurance institution, there are actually many scenarios where medical funds are paid directly without medical insurance settlement, such as when a certain prepayment or advance payment is required during hospitalization, and medical insurance settlement cannot be carried out in this case. In this regard, the medical institution and the medical insurance institution can cooperate to conduct medical insurance verification or medical insurance registration, so that the payment institution can help the user pay the medical expenses on the basis of medical insurance verification or medical insurance registration.

[0100] Specifically, before obtaining the payment guarantee identifier generated by the payment server based on the user information and the guarantee project information of the user, the medical insurance identifier of the user can also be obtained and displayed to the medical institution.

[0101] Optionally, after scanning the medical insurance identifier, the medical institution sends a verification request to the medical insurance agency. The medical insurance agency performs verification processing in response to the verification request and synchronizes the medical expense information containing the verification result to the cryptographic calculation node; Alternatively, after scanning the medical insurance identifier, the medical institution sends a registration request to the medical insurance agency. The medical insurance agency performs registration processing in response to the registration request and synchronizes the medical expense information containing the registration result to the cryptographic calculation node; In the specific implementation process, after obtaining the user's authorization, the medical insurance identifier of the user can be queried from the medical insurance agency, and the queried medical insurance identifier is returned to the user terminal. After the user shows the medical insurance identifier to the medical institution, the medical institution will initiate corresponding verification processing or registration processing to the medical insurance agency after scanning the medical insurance identifier; here, the medical expense information synchronized by the medical insurance agency to the cryptographic calculation node can be the medical expense information containing the verification result or the registration result, or the medical expense information containing the verification result or the registration result and the prepayment information of the user's prepayment to the medical institution. Alternatively, the prepayment information of the user's prepayment to the medical institution can be directly used as the medical expense information to be synchronized to the cryptographic settlement, that is: synchronizing the medical expense information containing the verification result to the cryptographic calculation node can be replaced by synchronizing the verification result or the registration result and the prepayment information to the cryptographic calculation node, or can be replaced by synchronizing the prepayment information to the cryptographic calculation node after verification is passed or registration is successful.

[0102] In addition, in the scenario of medical insurance verification or medical insurance registration through the cooperation between the medical institution and the medical insurance agency, there may also be a situation where the medical institution inputs the user's identity identifier for medical insurance settlement. In this regard, the medical institution can also initiate medical insurance verification or medical insurance registration by inputting the user's identity identifier. Optionally, after inputting the user's identity identifier, the medical institution sends a verification request or a registration request to the medical insurance agency based on the identity identifier.

[0103] Step S504, display the payment guarantee identifier to the medical institution for applying for a payment limit.

[0104] In specific implementation, after generating the payment guarantee identifier, the payment server sends the payment guarantee identifier to the user terminal. Here, after receiving the payment guarantee identifier from the payment server, the payment guarantee identifier is displayed to the medical institution. The medical institution can be a hospital, a pharmacy, and / or a medical period institution. The purpose of the display is to apply for a payment limit, that is, to apply for obtaining a payment limit, that is, to apply to the payment institution for a payment limit to help the user pay medical expenses.

[0105] During the specific execution process, after generating a payment guarantee identifier based on the user's user information and guarantee project information, the payment guarantee identifier is sent to the application program that interacts with the payment server. The user accesses the payment guarantee identifier through the application program installed on the user terminal and displays the payment guarantee identifier to the institutional device of the medical institution. After the institutional device scans the payment guarantee identifier, it can parse the payment guarantee identifier, and then the medical server that interacts with the institutional device applies for a payment amount according to the parsing result. Specifically, the medical server sends a settlement request to the payment server to apply for the payment amount.

[0106] Step S506, obtain the payment result of the payment server paying the medical expenses to the medical institution from the institutional account of the payment institution according to the payment amount of the user.

[0107] After generating the payment guarantee identifier based on the user's user information and guarantee project information as described above, the payment guarantee identifier is sent to the user terminal. The user displays the payment guarantee identifier to the medical institution. After the medical institution scans the payment guarantee identifier, it sends a settlement request to the payment server. The settlement request is specifically a settlement request for the user's expense list in the medical institution. Specifically, the medical server that interacts with the institutional device can send a settlement request to the payment server. After receiving the settlement request, the payment server sends a quota query request to the cryptographic calculation node to calculate the payment amount of the user by performing payment amount calculation at the cryptographic calculation node.

[0108] The cryptographic calculation node refers to a node that processes the user's data without leaving the domain. The cryptographic calculation node can be deployed on the processing platform of the medical insurance institution. Optionally, the cryptographic calculation node includes a cryptographic calculation space deployed on the processing platform of the medical insurance institution, and payment calculation models of each guarantee institution are deployed inside the cryptographic calculation space. The payment amount calculation is performed inside the cryptographic calculation space. In addition, the cryptographic calculation node can also be deployed on the payment server or the medical server of the medical institution, or can also be deployed on the co-management server or public server jointly managed by the payment institution and the medical insurance institution, or deployed on the co-management server or public server jointly managed by the medical insurance institution, the medical institution and / or the guarantee institution.

[0109] The payment limit refers to the amount that a service institution or a payment institution helps a user pay for medical expenses on the basis that the user has purchased and participated in a medical security program. Specifically, this payment limit can be the out-of-pocket payment limit where, after medical insurance settlement on the basis that the user has purchased and participated in a medical security program, the service institution or the payment institution helps the user pay the remaining out-of-pocket amount after medical insurance settlement. It should be noted that the medical security program mentioned in this embodiment is different from medical insurance and can specifically be a commercial medical security program provided by a commercial security institution. In addition, this payment limit can also be the prepayment limit or the advance payment limit where, on the basis that the user has purchased and participated in a medical security program, the service institution or the payment institution helps the user pay the prepaid expenses or the advance payment made to a medical institution.

[0110] Optionally, the payment limit is obtained by inputting the security program information and the medical expense information of the user synchronized with the medical insurance institution into the payment calculation model deployed by the security institution at the encryption calculation node for payment limit calculation.

[0111] In the specific execution process, the payment calculation model is deployed by the security institution at the encryption calculation node. Specifically, the payment calculation model deployed at the encryption calculation node can be accessed through an interface. Here, the payment calculation model refers to a model used to calculate or evaluate the amount that a payment institution helps a user pay for medical expenses when the user has participated in a medical security program. The input of this payment calculation model includes the security program information of the user who has participated in the medical security program and the medical expense information synchronized with the medical insurance institution. The payment calculation model calculates or evaluates the amount that the payment institution helps the user pay for medical expenses based on the input security program information and medical expense information, and the output payment limit is the amount that the payment institution helps the user pay for medical expenses.

[0112] Among them, the security institution can deploy corresponding payment calculation models for each medical security program at the encryption calculation node respectively, that is: the payment limit is obtained by inputting the security program information and the medical expense information into the corresponding payment calculation model deployed by the security institution for payment limit calculation. Here, the corresponding payment calculation model refers to the payment calculation model corresponding to the medical security program that the user has participated in, that is, the payment calculation model corresponding to the security program information, or the payment calculation model corresponding to the project identifier carried by the security program information; In addition, the guarantee institution can deploy a payment calculation model at the encryption calculation node for multiple medical security programs. In this case, the corresponding relationship between the medical security program and the payment calculation model is a many-to-one relationship, that is: the payment amount is obtained by inputting the guarantee program information and medical expense information into the corresponding payment calculation model deployed by the guarantee institution for payment amount calculation. The corresponding payment calculation model here can also be the payment calculation model corresponding to the medical security program that the user has participated in, that is, the payment calculation model corresponding to the guarantee program information, or the payment calculation model corresponding to the program identifier carried by the guarantee program information.

[0113] Specifically, the medical expense information of the user synchronized by the medical insurance institution can be the relevant data after the medical insurance institution conducts medical insurance settlement, such as medical insurance settlement data, or the out-of-pocket medical data that the user needs to pay out of their own pocket after medical insurance settlement; in addition, the medical expense information can also be the data after the medical insurance institution conducts other medical insurance-related processing without conducting medical insurance settlement. In this case, the medical expense information can specifically be the relevant data after the medical insurance institution conducts medical insurance verification or medical insurance registration, such as prepaid expenses or advance payments, or the verification result of medical insurance verification, or the registration result of medical insurance registration, or the verification result of medical insurance verification and prepaid expenses or advance payments, or the registration result of medical insurance registration and prepaid expenses or advance payments.

[0114] It should be noted that the medical expense information can also be replaced with other corresponding data according to the needs of the actual scenario. For example, the medical expense information can be replaced with prepaid expenses or advance payments. For another example, the medical expense information can also be replaced with prepaid expenses or advance payments, or can be replaced with the verification result of medical insurance verification, or can be replaced with the registration result of medical insurance registration, or can be replaced with the verification result of medical insurance verification and prepaid expenses or advance payments, or can be replaced with the registration result of medical insurance registration and prepaid expenses or advance payments.

[0115] In specific implementation, after the encryption calculation node calculates the payment amount of the user, specifically, after obtaining the payment amount by inputting the guarantee program information and medical expense information into the payment calculation model deployed by the guarantee institution, it returns the obtained payment amount to the payment server, so that the payment institution can help the user pay the medical expenses when the user has participated in the medical security program. Correspondingly, here, according to the payment amount returned by the encryption calculation node, the medical expenses are paid to the medical institution based on the funding account of the payment institution.

[0116] Among them, the capital account of the payment institution can be the payment institution's own fund account, or it can be the fund account for providing fund services or the factoring account for providing factoring services by the payment institution. In addition, the capital account of the payment institution can also be replaced by the fund account of the affiliated institution of the payment institution, the fund account for providing fund services, or the factoring account for providing factoring services. For example, the capital account of the payment institution can also be replaced by the fund account of the factoring institution or the financing institution that has established a fund agreement with the payment institution.

[0117] In the actual scenario of users making medical expense payments, such as in the scenario of making medical expense payments on the basis of medical insurance settlement by the medical insurance institution, or in the scenario where the medical insurance institution does not conduct medical insurance settlement and directly conducts medical fund payment (such as when a certain prepayment or advance payment needs to be made during hospitalization), there may be a situation where the payment amount returned by the encryption calculation node is less than the amount of medical expenses that the user needs to pay (the amount to be paid / the amount to be paid). For example, the payment amount is less than the out-of-pocket amount remaining after the medical insurance institution conducts medical insurance settlement. Another example is that the payment amount is less than the prepayment or advance payment. In response to this, in order to improve the convenience and payment success rate of users making medical expense payments, the difference between the payment amount and the amount to be paid / the amount to be paid (the difference to be paid) can also be calculated, and the payment can be deducted from the user's payment account in the application according to the difference, or the payment can be deducted from the payment channels bound by the user in the application according to the difference. In addition, the user can also pay the difference by showing the payment code of the application or scanning the collection code of the medical institution.

[0118] In this embodiment, the payment institution helps the user make medical expense payments before the user applies for the guarantee of the medical security project. For example, the payment institution helps the user make medical expense payments before the user makes a claim for the disease insurance project or health insurance project that has been purchased from a commercial insurance institution. The funds paid by the payment institution to help the user will be returned to the payment institution after the application for the guarantee of the medical security project. That is, the funds for making medical expense payments will be returned to the payment institution after the user applies for the guarantee.

[0119] On this basis, in order to improve the application efficiency and convenience of users applying for guarantees, and at the same time to reduce the length of the time period from when the payment institution helps the user make medical expense payments to when the user applies for the guarantee and then returns to the payment institution, thereby reducing the financial pressure on the payment institution, an automated guarantee application method can be adopted. Specifically, the guarantee application can be made according to the type of medical expenses corresponding to the medical expense information.

[0120] Optionally, the guarantee application models of each guarantee institution are deployed inside the encryption calculation space, and the guarantee application processing based on the guarantee application models is carried out inside the encryption calculation space.

[0121] The guarantee application model refers to a model used to calculate or evaluate the amount of guarantee funds issued to a user when the user has participated in a medical insurance program. The input of the guarantee application model can be insurance program information and medical expense information. After the guarantee application model processes the guarantee application based on the input insurance program information and medical expense information, it outputs the guarantee amount, which refers to the amount reimbursed to the user who has participated in the medical insurance program.

[0122] Here, the insurance program information input into the guarantee application model can be the insurance program information input into the above payment calculation model, or it can be program information related to the medical insurance program participated by the user, such as program details or guarantee details, etc. In the case where the insurance program information input into the payment calculation model is different from the insurance program information input into the guarantee application model, the insurance program information input into the payment calculation model can be called the first insurance program information, and the insurance program information input into the guarantee application model can be called the second insurance program information; the medical expense information input into the guarantee application model can be the medical expense information input into the above payment calculation model, or it can be medical expense information different from the medical expense information of the above payment calculation model. In this case, the medical expense information input into the payment calculation model can be called the first medical expense information, and the medical expense information input into the guarantee application model can be called the second medical expense information.

[0123] In practical applications, there may be various situations in the scenario of medical expense payment, such as medical expense payment when a user visits a clinic, medical expense payment when a medical institution collects a prepayment when a user is admitted to the hospital, medical expense payment when a user is discharged from the hospital, and medical expense payment when a user buys medicine at a pharmacy. And the requirements or regulations for medical insurance settlement and guarantee application during the medical expense payment process may be different in different situations. In view of this, different guarantee application modes can be set for different medical expense payment scenarios. In this embodiment, after obtaining the payment result of the medical expense payment, the guarantee application result obtained by the payment server for guarantee application can also be received.

[0124] In an optional implementation manner provided in this embodiment, the guarantee application is implemented in the following manner: Generate a guarantee application request and send it to the encryption calculation node to input the insurance program information and the user's medical expense information into the guarantee application model deployed by the guarantee institution for guarantee application processing to obtain the guarantee amount; Receive the guarantee amount returned by the encryption calculation node and send it to the guarantee institution.

[0125] After that, after receiving the guarantee amount sent by the encryption calculation node, the guarantee institution distributes the guarantee funds according to the guarantee amount; in addition, the guarantee amount can also be sent by the encryption calculation node to the guarantee institution, and after receiving the guarantee amount sent by the encryption calculation node, the guarantee institution distributes the guarantee funds according to the guarantee amount; or, the above guarantee application process can also be replaced by: inputting the guarantee project information and the user's medical expense information into the guarantee application model deployed by the guarantee institution to process the guarantee application to obtain the guarantee amount, and the guarantee institution distributes the guarantee funds according to the guarantee amount.

[0126] In practical applications, there may be a situation where the guarantee amount obtained by the guarantee institution for the user's guarantee application request is equal to the payment amount paid by the payment institution on behalf of the user. In this case, only the guarantee funds need to be returned to the payment institution. In addition, there may be a situation where the guarantee amount obtained by the guarantee institution for the user's guarantee application request is greater than the payment amount paid by the payment institution on behalf of the user. In this case, not only a part of the guarantee funds needs to be returned to the payment institution, but also the excess part of the guarantee funds needs to be distributed to the user; or, there may also be a situation where the guarantee amount obtained by the guarantee institution for the user's guarantee application request is less than the payment amount paid by the payment institution on behalf of the user. In this case, on the one hand, the guarantee funds are returned to the payment institution, and the user also needs to return funds to the payment institution. The following separately describes the process of distributing the guarantee funds according to the guarantee amount in these three cases, and at the same time describes the process of returning funds to the payment institution.

[0127] In an optional implementation manner provided in this embodiment, distributing the guarantee funds according to the guarantee amount includes: If the guarantee amount is greater than the payment amount, determine the first guarantee funds and the second guarantee funds according to the guarantee amount and the payment amount, and distribute the first guarantee funds to the receiving account of the payment institution and the second guarantee funds to the user account.

[0128] In the second optional implementation manner provided in this embodiment, distributing the guarantee funds according to the guarantee amount includes: If the guarantee amount is less than the payment amount, distribute the guarantee funds to the receiving account of the payment institution; And, it is also necessary to carry out the user's fund return to the payment institution, which specifically includes: deducting funds from the user account according to the difference between the payment amount and the guarantee amount (the payment amount minus the guarantee amount), and transferring the deducted funds to the receiving account of the payment institution.

[0129] In the third optional implementation manner provided in this embodiment, distributing the guarantee funds according to the guarantee amount includes: if the guarantee amount is equal to the payment amount, distribute the guarantee funds to the receiving account of the payment institution.

[0130] In addition to the automated guarantee application immediately after the medical expense payment provided above, the guarantee application time can also be determined according to the type of medical expense corresponding to the medical expense information, so as to generate a guarantee application request according to the guarantee application time and send it to the cryptographic calculation node, thereby realizing the guarantee application at the determined guarantee application time. Specifically, after obtaining the payment result of the medical expense payment, the guarantee application result obtained by the payment server for the guarantee application can also be received.

[0131] In another alternative implementation provided in this embodiment, the guarantee application is implemented in the following manner: Determine the type of medical expense corresponding to the medical expense information; If the type of medical expense is the target expense type, determine the guarantee application time of the medical expense information, so as to generate a guarantee application request according to the guarantee application time and send it to the cryptographic calculation node.

[0132] Among them, the target expense type refers to the pre-configured expense type, such as the outpatient expense type. The guarantee application time for the outpatient expense type is after T + 1 day. A guarantee application request can be generated on the (T + 1)th day and sent to the cryptographic calculation node.

[0133] Specifically, after generating a guarantee application request according to the guarantee application time and sending it to the cryptographic calculation node, the guarantee amount returned by the cryptographic calculation node can be received and sent to the guarantee institution, so that the guarantee institution distributes the guarantee funds according to the guarantee amount. In the process of the guarantee institution distributing the guarantee funds according to the guarantee amount here, it is similar to the three implementation methods of distributing the guarantee funds according to the guarantee amount provided above. Refer to the provided implementation methods above, and this embodiment will not elaborate here one by one.

[0134] The following takes the application of a medical expense processing method provided in this embodiment in the medical insurance settlement scenario as an example, combined with Figure 3 , to further illustrate the medical expense processing method provided in this embodiment. Refer to Figure 3 The medical expense processing method applied to the medical insurance settlement scenario specifically includes the following steps.

[0135] Step S304, receive what is sent by the payment server and display it to the medical institution.

[0136] After displaying the user's medical insurance identification to the medical institution, the medical institution scans the medical insurance identification and initiates a medical insurance settlement to the medical insurance institution. After the settlement is completed, the medical insurance institution synchronizes the medical expense information to the cryptographic calculation node.

[0137] Step S308, receive the payment guarantee identification generated based on the user's user information and guarantee project information sent by the payment server.

[0138] Step S310: Display the payment guarantee logo to the medical institution for applying for the payment amount.

[0139] After that, after the payment server makes the medical expense payment, it can also send the payment result of the medical expense payment to the user terminal, and the user terminal receives and displays the payment result of the medical expense payment sent by the payment server.

[0140] It should be noted that any one step or any combination of steps S304, S308, and S310 can be combined with any one step or any combination of steps S502 to S506 according to the needs of implementation and deployment to form a new implementation method; in addition, according to the actual deployment needs, any one or any combination of technical features in steps S304, S308, and S310 can be selected and combined with any one or more technical features provided in steps S502 to S506 to form a new implementation method; or, any one or any combination of technical features in steps S304, S308, and S310 can also be replaced by any one or more technical feature combinations provided in steps S502 to S506 according to the actual deployment needs to form a new implementation method, which will not be elaborated here one by one.

[0141] The following takes the application of a medical expense processing method provided in this embodiment in the prepayment scenario as an example, combined with Figure 4 , to further illustrate the medical expense processing method provided in this embodiment. See Figure 4 , the medical expense processing method applied to the prepayment scenario specifically includes the following steps.

[0142] Step S404: Obtain the payment guarantee logo generated by the payment server based on the user's user information and guarantee project information.

[0143] Step S406: Display the payment guarantee logo to the medical institution for applying for the payment amount.

[0144] Step S416: Receive and display the payment result of the medical expense payment sent by the payment server.

[0145] It should be noted that any one step or any combination of steps S404 to S406 and step S416 can be combined with any one step or any combination of steps S502 to S506 according to the needs of implementation and deployment to form a new implementation method; in addition, according to the actual deployment needs, any one or any combination of technical features in steps S404 to S406 and step S416 can be selected and combined with any one or more technical features provided in the above steps S502 to S506 to form a new implementation method; or, any one or any combination of technical features in steps S404 to S406 and step S416 can also be replaced with any one or more technical feature combinations provided in the above steps S502 to S506 according to the actual deployment needs to form a new implementation method, which will not be elaborated here one by one.

[0146] An embodiment of a medical expense processing device provided in this specification is as follows: In the above embodiment, a medical expense processing method is provided. Correspondingly, a medical expense processing device is also provided, which will be described below with reference to the accompanying drawings.

[0147] Refer to Figure 6 , which shows a schematic diagram of an embodiment of a medical expense processing device provided in this embodiment.

[0148] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiments described below are only illustrative.

[0149] This embodiment provides a medical expense processing device that runs on a payment server. The device includes: An identification sending module 602, configured to generate a payment guarantee identification based on the user information and guarantee item information of the user and send it to the user terminal; A quota query module 604, configured to send a quota query request to the encryption calculation node according to the settlement request sent by the medical institution after scanning the payment guarantee identification, so as to calculate the payment quota of the user at the encryption calculation node; A fee payment module 606, configured to pay the medical expenses to the medical institution based on the capital contribution account of the payment institution according to the payment quota returned by the encryption calculation node; Among them, the payment quota is obtained by inputting the guarantee item information and the medical expense information of the user synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution for payment quota calculation.

[0150] Another embodiment of a medical expense processing device provided in this specification is as follows: In the above embodiments, another medical expense processing method is provided. Correspondingly, another medical expense processing device is also provided, which will be described below with reference to the accompanying drawings.

[0151] Refer to Figure 7 , which shows a schematic diagram of an embodiment of a medical expense processing device provided in this embodiment.

[0152] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiments described below are merely illustrative.

[0153] This embodiment provides a medical expense processing device, which includes: An identification acquisition module 702, configured to acquire a payment guarantee identification generated by a payment server based on user information and guarantee item information of a user; An identification display module 704, configured to display the payment guarantee identification to a medical institution for applying for a payment amount; A result acquisition module 706, configured to acquire a payment result of the medical expense payment made by the payment server from an institutional account of a payment institution to the medical institution according to the payment amount of the user; Wherein, the payment amount is obtained by inputting the guarantee item information and the medical expense information of the user synchronized by a medical insurance institution into a payment calculation model deployed by a guarantee institution at a cryptographic calculation node for payment amount calculation.

[0154] An embodiment of a medical expense processing device provided in this specification is as follows: Corresponding to the above-described medical expense processing method, based on the same technical concept, one or more embodiments of this specification also provide a medical expense processing device, which is used to execute the above-provided medical expense processing method. Figure 8 It is a schematic structural diagram of a medical expense processing device provided in one or more embodiments of this specification.

[0155] A medical expense processing device provided in this embodiment includes: Such as Figure 8As shown, medical expense processing devices can vary significantly due to differences in configuration or performance. They can include one or more processors 801 and a memory 802. One or more storage applications or data can be stored in the memory 802. Among them, the memory 802 can be for transient storage or persistent storage. The applications stored in the memory 802 can include one or more modules (not shown in the figure). Each module can include a series of computer-executable instructions in the medical expense processing device. Further, the processor 801 can be configured to communicate with the memory 802 and execute a series of computer-executable instructions in the memory 802 on the medical expense processing device. The medical expense processing device can also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input / output interfaces 805, one or more keyboards 806, etc.

[0156] In a specific embodiment, the medical expense processing device includes a memory and one or more programs. One or more of the programs are stored in the memory, and one or more of the programs can include one or more modules. Each module can include a series of computer-executable instructions in the medical expense processing device and is configured to be executed by one or more processors. The one or more programs include the following computer-executable instructions: Generate a payment guarantee identifier based on the user's user information and guarantee project information and send it to the user terminal; According to the settlement request sent by the medical institution after scanning the payment guarantee identifier, send a quota query request to the cryptographic calculation node to calculate the payment quota of the user at the cryptographic calculation node to obtain the user's payment quota; Make a medical expense payment to the medical institution based on the payment account of the payment institution according to the payment quota returned by the cryptographic calculation node; Among them, the payment quota is obtained by inputting the guarantee project information and the user's medical expense information synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution for payment quota calculation.

[0157] Another embodiment of the medical expense processing device provided in this specification is as follows: Corresponding to the above-described another medical expense processing method, based on the same technical concept, one or more embodiments of this specification also provide another medical expense processing device. This medical expense processing device is used to execute the above-provided another medical expense processing method. Figure 9 It is a schematic structural diagram of another medical expense processing device provided by one or more embodiments of this specification.

[0158] A medical expense processing device provided in this embodiment includes: As Figure 9 shown, the medical expense processing device may vary greatly due to different configurations or performances, and may include one or more processors 901 and a memory 902. One or more application programs or data may be stored in the memory 902. Among them, the memory 902 may be short-term storage or persistent storage. The application programs stored in the memory 902 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in the medical expense processing device. Further, the processor 901 may be set to communicate with the memory 902 and execute a series of computer-executable instructions in the memory 902 on the medical expense processing device. The medical expense processing device may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input / output interfaces 905, etc.

[0159] In a specific embodiment, the medical expense processing device includes a memory and one or more programs. One or more of the programs are stored in the memory, and one or more of the programs may include one or more modules, and each module may include a series of computer-executable instructions in the medical expense processing device, and is configured to be executed by one or more processors. The one or more programs include the following computer-executable instructions for: Obtain a payment guarantee identifier generated by the payment server based on the user's user information and guarantee project information; Show the payment guarantee identifier to the medical institution for applying for a payment limit; Obtain the payment result of the medical expense payment from the institutional account of the payment institution to the medical institution by the payment server according to the payment limit of the user; Among them, the payment limit is obtained by inputting the guarantee project information and the user's medical expense information synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution at the encryption calculation node for payment limit calculation.

[0160] An embodiment of a computer-readable storage medium provided in this specification is as follows: Corresponding to the above-described medical expense processing method, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0161] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions, when executed, implement the following process: Generate a payment guarantee identifier based on the user's user information and guarantee project information and send it to the user terminal; According to the settlement request sent after the medical institution scans the payment guarantee identifier, send a quota query request to the cryptographic calculation node to calculate the payment quota of the user at the cryptographic calculation node to obtain the payment quota of the user; Based on the payment quota returned by the cryptographic calculation node, make a medical expense payment to the medical institution from the capital contribution account of the payment institution; Among them, the payment quota is obtained by inputting the guarantee project information and the medical expense information of the user synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution for payment quota calculation.

[0162] It should be noted that the embodiments of a computer-readable storage medium in this specification and the embodiments of a medical expense processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding method described above, and the repeated parts will not be elaborated.

[0163] Another embodiment of the computer-readable storage medium provided in this specification is as follows: Corresponding to the above-described another medical expense processing method, based on the same technical concept, one or more embodiments of this specification also provide another computer-readable storage medium.

[0164] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions, when executed, implement the following processes: Obtain the payment guarantee identifier generated by the payment server based on the user's user information and guarantee project information; Display the payment guarantee identifier to the medical institution for applying for a payment quota; Obtain the payment result of the payment server making a medical expense payment to the medical institution from the institutional account of the payment institution according to the payment quota of the user; Among them, the payment quota is obtained by inputting the guarantee project information and the medical expense information of the user synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution at the cryptographic calculation node for payment quota calculation.

[0165] It should be noted that the embodiments of another computer-readable storage medium in this specification and the embodiments of another medical expense processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding method described above, and the repeated parts will not be elaborated.

[0166] An embodiment of a computer program product provided in this specification is as follows: Corresponding to a medical expense processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer program product.

[0167] A computer program product includes computer programs / instructions, and when the computer programs / instructions are executed by a processor, the following steps are implemented: Generate a payment guarantee identifier based on the user's user information and guarantee project information and send it to the user terminal; According to the settlement request sent by the medical institution after scanning the payment guarantee identifier, send a quota query request to the cryptographic calculation node to calculate the payment quota of the user at the cryptographic calculation node to obtain the payment quota of the user; Based on the payment quota returned by the cryptographic calculation node, make a medical expense payment to the medical institution from the capital contribution account of the payment institution; Wherein, the payment quota is obtained by inputting the guarantee project information and the medical expense information of the user synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution for payment quota calculation.

[0168] It should be noted that the embodiments of a computer program product in this specification and the embodiments of a medical expense processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding method described above, and the repeated parts will not be elaborated.

[0169] Another embodiment of the computer program product provided by this specification is as follows: Corresponding to another medical expense processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another computer program product.

[0170] A computer program product includes computer programs / instructions, and when the computer programs / instructions are executed by a processor, the following steps are implemented: Obtain the payment guarantee identifier generated by the payment server based on the user's user information and guarantee project information; Display the payment guarantee identifier to the medical institution for payment quota application; Obtain the payment result of the payment server making a medical expense payment to the medical institution from the institutional account of the payment institution according to the payment quota of the user; Wherein, the payment quota is obtained by inputting the guarantee project information and the medical expense information of the user synchronized by the medical insurance institution into the payment calculation model deployed by the guarantee institution at the cryptographic calculation node for payment quota calculation.

[0171] It should be noted that the embodiments of another computer program product in this specification and the embodiments of another medical expense processing method in this specification are based on the same inventive concept. Therefore, for the specific implementation of this embodiment, reference may be made to the implementation of the corresponding method described above, and the repeated parts will not be elaborated again.

[0172] The embodiments in this specification are all described in a progressive manner. For the same or similar parts among the embodiments, reference can be made to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiments, equipment embodiments, computer-readable storage medium embodiments, and computer program product embodiments are all similar to the method embodiments, so the descriptions are relatively simple. To read the relevant content in the device embodiments, equipment embodiments, computer-readable storage medium embodiments, and computer program product embodiments, reference may be made to the corresponding descriptions in the method embodiments.

[0173] The specific embodiments of this specification have been described above. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve the desired results. Additionally, the processes depicted in the figures do not necessarily require the specific order or sequential order shown to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0174] In the 1930s, it was obvious to distinguish whether an improvement in a technology was a hardware improvement (e.g., improvement in circuit structures such as diodes, transistors, switches, etc.) or a software improvement (improvement in method flows). However, with the development of technology, many improvements in method flows today can be regarded as direct improvements in hardware circuit structures. Almost all designers obtain the corresponding hardware circuit structures by programming the improved method flows into the hardware circuits. Therefore, it cannot be said that an improvement in a method flow cannot be implemented with a hardware entity module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logical function is determined by the user programming the device. Designers can program themselves to "integrate" a digital system on a single PLD without having to ask a chip manufacturer to design and fabricate a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly implemented using "logic compiler" software, which is similar to the software compiler used in program development and writing. The original code before compilation also has to be written in a specific programming language, which is called a Hardware Description Language (HDL). And there is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. Currently, the most commonly used ones are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be clear that as long as the method flow is slightly logically programmed with the above-mentioned several hardware description languages and programmed into the integrated circuit, it is easy to obtain the hardware circuit implementing the logical method flow.

[0175] The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of the controller include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in the form of pure computer-readable program code, it is entirely possible to make the controller implement the same function in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be regarded as the structures within the hardware component. Or even, the devices for implementing various functions can be regarded as either software modules for implementing the method or structures within the hardware component.

[0176] The systems, devices, modules, or units illustrated in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or any combination of these devices.

[0177] For the convenience of description, when describing the above devices, they are described separately as various units according to their functions. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0178] Those skilled in the art should understand that one or more embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, one or more embodiments of this specification can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, this specification can take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program code.

[0179] This specification is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the specification. It should be understood that each flow and / or block in the flowchart and / or block diagram, and the combination of flows and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable medical expense processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable medical expense processing devices generate means for implementing the functions specified in the flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in multiple blocks.

[0180] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable medical expense processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including instruction means that implement the functions specified in the flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in multiple blocks.

[0181] These computer program instructions can also be loaded onto a computer or other programmable medical expense processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in the flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in multiple blocks.

[0182] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0183] The memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). The memory is an example of computer-readable media.

[0184] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0185] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of further restrictions, the elements defined by the sentence "includes at least one ..." do not exclude the presence of other identical elements in the process, method, commodity or device including the elements.

[0186] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0187] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A medical expense processing method, applied to a payment server, the method comprising: Generate a payment guarantee identifier based on the user's user information and guarantee item information and send it to the user terminal; According to the settlement request sent by the medical institution after scanning the payment guarantee identifier, a quota query request is sent to the secret calculation node, so as to calculate the payment quota at the secret calculation node to obtain the payment quota of the user; According to the payment amount returned by the cryptographic node, medical expenses are paid to the medical institution based on the funding account of the payment institution; The payment amount is obtained by inputting the insurance project information and the medical expense information of the user synchronized with the medical insurance agency into the payment calculation model deployed by the insurance agency to calculate the payment amount.

2. According to the medical expense processing method described in claim 1, the secret calculation node includes a secret calculation space deployed on the processing platform of the medical insurance agency, and the payment calculation model of each security agency is deployed in the secret calculation space.

3. According to the medical expense processing method described in claim 2, the security application model of each security agency is deployed in the secret calculation space, and the security application processing based on the security application model is carried out in the secret calculation space.

4. The medical expense processing method according to claim 1, after the step of paying the medical expenses to the medical institution based on the payment amount returned by the cryptographic node and the funding account of the payment institution is executed, it also includes: Generate a protection application request and send it to the cryptographic node, so as to input the protection item information and the medical expense information of the user into the protection application model deployed by the protection agency to process the protection application and obtain the protection amount; The guarantee amount returned by the cryptographic node is received and sent to the guarantee institution; the guarantee institution distributes the guarantee funds according to the guarantee amount.

5. The medical expense processing method according to claim 4, wherein the step of disbursing security funds according to the security amount comprises: If the guarantee amount is greater than the payment amount, the first guarantee fund and the second guarantee fund are determined according to the guarantee amount and the payment amount, the first guarantee fund is issued to the payment institution's collection account, and the second guarantee fund is issued to the user account.

6. The medical expense processing method according to claim 4, wherein the step of disbursing security funds according to the security amount comprises: If the guarantee amount is less than the payment amount, the guarantee funds are issued to the payment institution's collection account; The method further comprises: Deductions are made from the user account based on the difference between the payment amount and the security amount, and the deducted funds are transferred to the payment institution's collection account.

7. The medical expense processing method according to claim 1, further comprising: Determining the medical expense type corresponding to the medical expense information; If the medical expense type is the target expense type, determine the protection application time of the medical expense information, generate a protection application request according to the protection application time and send it to the secret calculation node.

8. The medical expense processing method according to claim 1, before the step of generating a payment guarantee identifier based on the user information and the guarantee item information of the user and sending the identification to the user terminal is executed, it also includes: Acquire the medical insurance identification of the user and send it to the user terminal, so as to initiate medical insurance settlement with the medical insurance institution after the medical institution scans the medical insurance identification; After the settlement is completed, the medical insurance agency will synchronize the medical expense information to the confidential calculation node.

9. The medical expense processing method according to claim 1, before the step of generating a payment guarantee identifier based on the user information and the guarantee item information of the user and sending the same to the user terminal is executed, it also includes: Acquire the medical insurance identification of the user and send it to the user terminal, so as to display the medical insurance identification on the user terminal; Among them, the medical institution sends a verification request to the medical insurance agency after scanning the medical insurance identification, and the medical insurance agency performs verification processing in response to the verification request, and synchronizes the medical expense information including the verification result to the secret calculation node.

10. The medical expense processing method according to claim 1, after the medical institution inputs the identity identifier of the user, it initiates medical insurance settlement or sends a verification request to the medical insurance institution based on the identity identifier.

11. According to the medical expense processing method of claim 2, the amount query request carries the security information ciphertext obtained by encrypting the security item information, and the security information ciphertext is decrypted in the cryptographic space to obtain the security item information.

12. A method for processing medical expenses, comprising: Obtain the payment guarantee identifier generated by the payment server based on the user's user information and guarantee item information; Show the payment guarantee logo to the medical institution to apply for payment amount; Obtaining a payment result of the payment server paying the medical expenses from the institution account of the payment institution to the medical institution according to the payment amount of the user; The payment amount is obtained by inputting the insurance project information and the medical expense information of the user synchronized with the medical insurance agency into the payment calculation model deployed by the insurance agency on the secret calculation node to calculate the payment amount.

13. According to the medical expense processing method of claim 12, the payment calculation model is deployed on a secret calculation node, and the secret calculation node includes a secret calculation space deployed on the processing platform of the medical insurance agency, and the payment calculation model and guarantee application model of each guarantee agency are deployed in the secret calculation space.

14. The medical expense processing method according to claim 12, further comprising: Receiving a guarantee application result obtained by the payment server through a guarantee application; The protection application is implemented in the following way: Generate a protection application request and send it to the cryptographic node, so as to input the protection item information and the medical expense information of the user into the protection application model deployed by the protection agency to process the protection application and obtain the protection amount; The guarantee amount returned by the cryptographic node is received and sent to the guarantee institution; the guarantee institution distributes the guarantee funds according to the guarantee amount.

15. The medical expense processing method according to claim 14, wherein the step of disbursing security funds according to the security amount comprises: If the guarantee amount is greater than the payment amount, the first guarantee fund and the second guarantee fund are determined according to the guarantee amount and the payment amount, the first guarantee fund is issued to the payment institution's collection account, and the second guarantee fund is issued to the user account.

16. The medical expense processing method according to claim 14, wherein the step of disbursing security funds according to the security amount comprises: If the guarantee amount is less than the payment amount, the guarantee funds are issued to the payment institution's collection account; Deductions are made from the user account based on the difference between the payment amount and the security amount, and the deducted funds are transferred to the payment institution's collection account.

17. The medical expense processing method according to claim 13, before the step of obtaining the payment guarantee identification generated by the payment server based on the user information and the guarantee item information of the user is executed, it also includes: Obtaining the medical insurance identification of the user and displaying it to the medical institution; Wherein, after scanning the medical insurance identification, the medical institution initiates medical insurance settlement to the medical insurance institution, and after the settlement is completed, the medical insurance institution synchronizes the medical expense information to the secret calculation node; Alternatively, the medical institution sends a verification request to the medical insurance agency after scanning the medical insurance identification, and the medical insurance agency performs verification processing in response to the verification request and synchronizes the medical expense information including the verification result to the secret calculation node.

18. A medical expense processing device, running on a payment server, comprising: An identification sending module is configured to generate a payment guarantee identification based on the user information and the guarantee item information of the user and send the identification to the user terminal; A quota query module is configured to send a quota query request to a cryptographic node according to a settlement request sent by the medical institution after scanning the payment guarantee identifier, so as to calculate the payment quota at the cryptographic node to obtain the payment quota of the user; A fee payment module, configured to pay the medical fee to the medical institution based on the payment amount returned by the cryptographic node and the funding account of the payment institution; The payment amount is obtained by inputting the insurance project information and the medical expense information of the user synchronized with the medical insurance agency into the payment calculation model deployed by the insurance agency to calculate the payment amount.

19. A medical expense processing device, comprising: An identification acquisition module is configured to acquire a payment guarantee identification generated by the payment server based on the user information and guarantee item information of the user; An identification display module is configured to display the payment guarantee identification to the medical institution for applying for a payment amount; A result acquisition module is configured to acquire a payment result of the payment server paying the medical expenses from the institution account of the payment institution to the medical institution according to the payment amount of the user; The payment amount is obtained by inputting the insurance project information and the medical expense information of the user synchronized with the medical insurance agency into the payment calculation model deployed by the insurance agency on the secret calculation node to calculate the payment amount.

20. A medical expense processing device, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Generate a payment guarantee identifier based on the user's user information and guarantee item information and send it to the user terminal; According to the settlement request sent by the medical institution after scanning the payment guarantee identifier, a quota query request is sent to the secret calculation node, so as to calculate the payment quota at the secret calculation node to obtain the payment quota of the user; According to the payment amount returned by the cryptographic node, medical expenses are paid to the medical institution based on the funding account of the payment institution; The payment amount is obtained by inputting the insurance project information and the medical expense information of the user synchronized with the medical insurance agency into the payment calculation model deployed by the insurance agency to calculate the payment amount.

21. A medical expense processing device, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Obtain the payment guarantee identifier generated by the payment server based on the user's user information and guarantee item information; Show the payment guarantee logo to the medical institution to apply for payment amount; Obtaining a payment result of the payment server paying the medical expenses from the institution account of the payment institution to the medical institution according to the payment amount of the user; The payment amount is obtained by inputting the insurance project information and the medical expense information of the user synchronized with the medical insurance agency into the payment calculation model deployed by the insurance agency on the secret calculation node to calculate the payment amount.

22. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 1 or 12 when executed.

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