Medical commitment system payment system and method
By designing a medical commitment payment system, evaluating the patient's commitment index and allowing payment within a specified period, the problem of cumbersome payment process for large medical expenses is solved, convenient payment methods are realized, and the quality of medical services is improved.
Patent Information
- Application Number
- CN202510376261.1
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-03-27
- Publication Date
- 2025-07-11
AI Technical Summary
The existing medical payment methods are long and cumbersome when dealing with large medical expenses, which brings inconvenience to patients, especially for patients with financial difficulties, which makes it difficult to provide convenient payment solutions.
A medical commitment payment system was designed to evaluate the patient's promise index through the patient information collection module, medical information collection module, promise level acquisition module and budget judgment module to allow promise users to pay medical expenses within the specified period. Users who fail to promise will handle the process according to the conventional process. The system supports delayed payment and sign a commitment letter.
It reduces the long and cumbersome process of paying medical expenses for patients, provides convenient payment methods, improves the comfort and intelligence of medical services, and enhances the patient's sense of gain, happiness and security in medical treatment.
Smart Images
Figure CN120297966A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the technical field of medical systems, and particularly to a medical commitment-based payment system and method. Background Art
[0002] Medical payment is a core link in the medical system, involving multiple aspects such as cost settlement, medical insurance reimbursement, payment methods, etc. In recent years, there have been great improvements in medical payment methods, which have brought great convenience to patients seeking medical treatment. However, there are still many inconveniences. Summary of the Invention
[0003] To solve the above technical problems, the present invention provides a medical commitment-based payment system for paying medical expenses for patients seeking medical treatment, especially large medical expenses. The medical commitment-based payment system may include:
[0004] A patient information collection module for collecting patient information to obtain patient basic information and historical treatment information.
[0005] A medical information collection module for collecting the patient's current medical information and the medical expenses M to be paid.
[0006] A promise-keeping level acquisition module for obtaining the patient's promise-keeping index R based on the patient's basic information and historical treatment information.
[0007] A budget judgment module for judging whether the patient's promise-keeping index R is greater than a preset standard promise-keeping index R T , if so, the patient is labeled as a promise-keeping user, and the patient is allowed to complete the payment of the medical item expenses within a specified period and pay all medical expenses within the specified period. If not, the patient is labeled as a non-promise-keeping user. The patient can be treated according to the normal medical treatment process, or the patient or a family member with the obligation to support can be listed in the non-promise-keeping list, which can be specifically set according to hospital regulations.
[0008] Preferably, the patient's basic information may include the patient's basic data, social relationship information, physical condition data, etc.
[0009] Preferably, the patient's basic data may include: the patient's date of birth, place of origin, gender, current address, reimbursement-related classification, place of social security purchase, etc. Based on the patient's basic data, the basic situation of the patient can be understood. These data generally do not change in a short period of time. Of course, special situations are not excluded. When the patient's basic data needs to be changed, it can be edited by manual input.
[0010] Preferably, the reimbursement-related classification may include: self-pay medical treatment, urban employee medical insurance, urban and rural resident medical insurance, subsistence allowances and related levels, etc.
[0011] Preferably, the social relationship information may include: occupation, family members, work unit, family income, etc.
[0012] Preferably, the physical condition data may include age, family genetic diseases, physical data, medical matters, medication status, etc. These data are mainly about the patient's own condition and can be obtained from the patient's medical records, physical examination reports or manually input data.
[0013] Preferably, the medical expense M to be paid = F - F', where F is the total amount of medical expenses to be paid for medical matters, which is the expense after medical reimbursement, and F’ is the medical expenses already paid.
[0014] Preferably, the method for obtaining the total amount of medical expenses to be paid for medical matters may include: comparing the patient's basic data with the matter content corresponding to the reimbursement item catalog to obtain the reimbursement information comparison matching degree C, and determining whether the maximum reimbursement information comparison matching degree C is greater than a preset standard matching degree C T , if so, determining the reimbursement item catalog corresponding to the maximum reimbursement information comparison matching degree C as the patient's current reimbursement type, and searching for the matter content corresponding to the reimbursement item catalog according to the current reimbursement type, so as to obtain the reimbursement ratio ξ corresponding to the current reimbursement type; if not, determining the current reimbursement type as self-paid medical treatment. Then the total amount of medical expenses to be paid for medical matters where i is the number of treatment matters in the patient's current medical matter, I is the total number of treatment matters in the patient's current medical matter, i = 1, 2,..., I; the treatment matters and their expenses in the patient's current medical matter can be obtained through the expense list or doctor's advice of the patient's current medical matter. F i is the expense of the treatment matter numbered i.
[0015] Preferably, the method for obtaining the reimbursement information comparison matching degree C may include: extracting the reimbursement condition keywords and keyword attribute words corresponding to each reimbursement item catalog from the matter content, then constructing condition - tags according to the keyword attribute words and the conditions they require, locking the patient's basic data according to the keyword attribute words, extracting the patient's condition keywords from the patient's basic data, comparing the patient's condition keywords with the reimbursement condition keywords, so as to obtain the comparison tags of each keyword attribute word, then combining the keyword attribute words and their corresponding comparison tags to obtain attribute - tags, and then calculating the reimbursement information comparison matching degree C according to the attribute - tags and condition - tags.
[0016] Preferably, the reimbursement information comparison matching degree where n is the number of overlaps between the attribute - tags and the condition - tags, and N is the total number of condition - tags.
[0017] Preferably: the promised index where j is the number of overdue payments in the historical treatment information, J is the total number of overdue payments in the historical treatment information, j = 1, 2, …, J; b j is the amount quantity of the overdue payment with number j in the historical treatment information, d j is the overdue time length of the overdue payment with number j in the historical treatment information, b0 is the amount unit in the historical treatment information, generally it can be 10,000, of course, other numerical settings are not excluded. d0 is the time unit in the historical treatment information, generally it can be 1 month, of course, other numerical settings are not excluded. W0 is the treatment evaluation weight, its value can be set artificially, and its value can be adjusted in real time by each hospital according to the specific repayment situation, of course, other numerical settings are not excluded. k is the number of the non-treatment overdue non-payment items, K is the total number of the non-treatment overdue non-payment items, k = 1, 2, …, K; B k is the amount quantity of the non-treatment overdue non-payment item with number k, D k is the overdue time length of the non-treatment overdue non-payment item with number k, B0 is the standard amount quantity of the non-treatment overdue non-payment item, D0 is the standard time unit of the non-treatment overdue non-payment item. W k is the treatment evaluation weight of the non-treatment overdue non-payment item with number k, of course, other numerical settings are not excluded. Norm[] represents the normalization function. According to this method, if the quantity is huge or the overdue dates are too many, these data can be distinguished from the normal data, and individual cases of financial difficulties or forgotten repayments can be ignored. If there are long-term overdue or multiple overdue cases, the value will be greatly reduced, which is more suitable for evaluating the promised index of patients for treatment.
[0018] Preferably:
[0019] Preferably: the standard promised index where β0 is the treatment evaluation coefficient, β k is the treatment evaluation coefficient of the non-treatment overdue non-payment item with number k, and its value is 0 - 1. When the hospital does not allow promised overdue, its value can be set to 1 uniformly.
[0020] The present invention also provides a medical commitment-based payment method for paying medical expenses for patients in financial difficulties, especially large medical expenses. The medical commitment-based payment method may include:
[0021] S1. Collect the information of the patient to obtain the patient's basic information and historical treatment information;
[0022] S2. Collect the patient's current medical information and the medical expenses M to be paid;
[0023] S3. Obtain the promise-keeping index R of the patient based on the patient's basic information and historical treatment information;
[0024] S4. Determine whether the patient's promise-keeping index R is greater than a preset standard promise-keeping index R T . If so, execute S5; if not, execute S6;
[0025] S5. Then label the patient as a promise-keeping user and allow the patient to complete the payment of the medical matter within a specified period; the specified period can be 7 days, 14 days, or 30 days;
[0026] S6. Then label the patient as a non-promise-keeping user, do not support the deferred payment of this medical matter, and must conduct treatment or handle the settlement procedures such as discharge according to the regular process, so as to protect the economic interests of the hospital.
[0027] Technical effects and advantages of the present invention: Through the deferred payment method, the present invention can greatly reduce the situation of long or cumbersome payment processes for patients' medical expenses. It is convenient and fast to use, allowing patients to experience worry-free medical treatment and fast payment medical services. The present invention makes full use of new means, new technologies, and new models to comprehensively improve the comfort and intelligence level of medical services, promote the formation of a modern medical service model with more scientific processes, more continuous models, more efficient services, more comfortable environments, and more considerate attitudes, and further enhance the people's sense of gain, happiness, and security in seeking medical treatment. Description of the Drawings
[0028] Figure 1 It is a structural block diagram of a medical commitment-based payment system proposed by the present invention.
[0029] Figure 2 It is a flowchart of a medical commitment-based payment method proposed by the present invention.
[0030] Figure 3 It is a structural block diagram of the total amount to be paid in a medical commitment-based payment system proposed by the present invention.
[0031] Figure 4 It is a structural block diagram of the comparison compliance degree of reimbursement information in a medical commitment-based payment system proposed by the present invention. Detailed Embodiments
[0032] Embodiments of the present disclosure will be described in detail below. Examples of the embodiments are shown in the accompanying drawings, where like or similar reference numerals designate like or similar elements or elements having like or similar functions throughout. The embodiments described below by referring to the accompanying drawings are exemplary only for explaining the present disclosure and should not be construed as limiting the present disclosure. On the contrary, the embodiments of the present disclosure include all variations, modifications, and equivalents falling within the spirit and scope of the appended claims.
[0033] Embodiment 1
[0034] Reference Figure 1 , in this embodiment, a medical commitment-based payment system is proposed for paying medical expenses for patients visiting a doctor, especially large medical expenses. The medical commitment-based payment system may include:
[0035] The patient information collection module is used to collect the information of patients, obtaining the basic patient information and historical treatment information. This system is applicable to all patients who generate medical expenses, especially those for major medical treatment items. Before using this system, this system can be associated with or directly construct a national networked medical information system. The medical information system can collect all information including the basic patient information and historical treatment information, and then the patient basic information and historical treatment information can be directly obtained from the medical information system through the patient information collection module. Specifically, an information query page can be set up within this system. There is a query column on the page. We can query by entering the patient's information, such as name, ID number, etc., so that the patient basic information and historical treatment information in the required format and content can be output through the information query page. The existing networked systems and the network systems of each hospital can meet the information acquisition and use requirements, and there is no need to separately construct a medical information system. Of course, it can also be obtained through other means, which will not be elaborated here specifically. The patient basic information can include the patient's basic data, social relationship information, physical status data, etc. Of course, other data settings are not excluded. The patient basic data can include: date of birth, native place, gender, current address, reimbursement-related classification, social security purchase location, etc. Based on the patient basic data, the basic situation of the patient can be understood. These data generally do not change in a short period of time. Of course, special situations are not excluded. When the patient basic data needs to be changed, it can be edited through manual input. The reimbursement-related classification can include: self-pay medical treatment, urban employee medical insurance, urban and rural resident medical insurance, subsistence allowances and related levels, etc., which will not be elaborated here specifically. The social relationship information can include: occupation, family members, work unit, and family income, etc., which will not be elaborated here specifically. The physical status data can include age, family genetic diseases, physical data, medical matters, medication status, etc. These data are mainly about the patient's own status and can be obtained from the patient's medical records, physical examination reports, or manually input data, which will not be elaborated here specifically. The historical treatment information is the historical information of the patient's treatment in various hospitals, including the treatment matters, expenses, and medication lists at each time point of the patient. Among them, the historical treatment information should include the outstanding medical expenses M' of the patient, and the specific acquisition method will not be elaborated here.
[0036] Medical information collection module, which is used to collect the current medical information of patients and the medical expenses M to be paid. This system is more applicable to treatment items with large medical expenses, such as hospitalization, after surgery, etc., for medical items with large expenses that have already occurred or will occur. Of course, other types of medical items are not excluded. This system can be directly bound or associated with the internal management systems of various hospitals, so that the list of treatment items, the expenses of various treatments, the treatment time, and the pre-deposited treatment expenses, etc. that have occurred or will occur in the hospital can be easily obtained. When patients or their families use this system, they can directly deposit the expenses into a designated account, which can be a WeChat, Alipay or bank card account. Of course, it can also be a medical card account designated by the hospital, and the specific details are not elaborated here. The settlement of hospital expenses can be directly deducted from this account, which is convenient and fast to use, and there is no need for offline settlement. It is very suitable for people with inconvenient mobility, those who are not familiar with hospital procedures, or the elderly whose children are not around, and can save a lot of time. The medical expenses M to be paid = F - F', where F is the total amount of medical expenses to be paid for medical matters, which is the expenses after medical reimbursement, and F’ is the medical expenses that have been paid. The medical reimbursement here includes: self-pay medical care, urban employee medical insurance, urban and rural resident medical insurance, subsistence allowances and related levels, etc., which are types that can be reimbursed or exempted in the hospital. Since this system is for the convenience of settlement, when reimbursing in the hospital, it is also necessary to queue up for handling, which will also waste a lot of time. At the same time, the hospital needs to arrange corresponding staff. Refer to Figure 3 , the method for obtaining the total amount of medical expenses to be paid for medical matters can include: comparing according to the patient's basic data and the item content corresponding to the reimbursement item catalog to obtain the reimbursement information comparison coincidence degree C. The reimbursement item catalog and its corresponding item content are various types of reimbursements and their reimbursement conditions and reimbursement ratios, and their specific content can be formulated according to the reimbursement policy, and the specific details are not elaborated here. And judge whether the largest reimbursement information comparison coincidence degree C is greater than a preset standard coincidence degree C T , if so, determine that the reimbursement item catalog corresponding to the largest reimbursement information comparison coincidence degree C is the patient's current reimbursement type, and find the item content corresponding to the reimbursement item catalog according to the current reimbursement type, so as to obtain the reimbursement ratio ξ corresponding to the current reimbursement type; if not, determine that the current reimbursement type is self-pay medical care, that is, the reimbursement ratio ξ is 0. Then the total amount of medical expenses to be paid for medical matters where i is the number of treatment items in the patient's current medical matter, I is the total number of treatment items in the patient's current medical matter, i = 1, 2,..., I; the treatment items and their expenses in the patient's current medical matter can be obtained through the expense list or doctor's advice of the patient's current medical matter. F iIt is the cost of the treatment item numbered i. For example, if a patient is hospitalized in a hospital, the current medical item is hospitalization, and hospitalization fees and drug fees are incurred during hospitalization. The hospitalization fees may also include bed fees, treatment fees, nursing fees, etc., which will not be elaborated here. The treatment items are hospitalization and drugs respectively, and the fees are 10,000 and 20,000 respectively. By comparison and judgment, the reimbursement ratio corresponding to this reimbursement item is obtained as 80%. Then we calculate the total amount to be paid Of course, this is just a simple example and does not represent universality. Other situations will not be elaborated here. If a patient has objections to the reimbursement item, they can appeal through this system and then undergo manual review. In this way, self-reimbursement can be carried out through this system, avoiding reimbursement omissions and difficulties caused by the patient's unclear understanding of the policy, and also reducing the waste of time and manpower. Generally, the standard matching degree C T is required to be 100%, that is, it is required that the patient's basic data and the item content requirements in the reimbursement item catalog in the current reimbursement type are exactly the same. Of course, the situation of fuzzy information comparison is not excluded, which will not be elaborated here. Refer to Figure 4 , the method for obtaining the reimbursement information comparison matching degree C may include: extracting the reimbursement condition keywords and keyword attribute words corresponding to each reimbursement item catalog from the item content, then constructing a condition-label according to the keyword attribute words and the conditions they require, locking the patient's basic data according to the keyword attribute words, and extracting the patient condition keywords from the patient's basic data, comparing the patient condition keywords with the reimbursement condition keywords, so as to obtain the comparison labels of each keyword attribute word, then combining the keyword attribute words and their corresponding comparison labels to obtain an attribute-label, and then calculating the reimbursement information comparison matching degree C according to the attribute-label and the condition-label. Reimbursement information comparison matching degree Where n is the number of overlapping attribute - tags and condition - tags, and N is the total number of condition - tags. For example, for a patient's hospitalization reimbursement, extract the reimbursement item catalog as the content of the first - level reimbursement level from the item details. The reimbursement condition keywords are "urban and rural residents' medical insurance, over 70 years old, City A", and the keyword attribute words are "medical insurance category, age, native place" respectively. Construct the condition - tags as "medical insurance category - urban and rural residents' medical insurance, age - over 70 years old, native place - City A". According to the keyword attribute words "medical insurance category, age, region", the patient's condition keywords "urban and rural residents' medical insurance, 75, City B" can be quickly obtained from a large amount of patient basic data. Generally, the first - level corresponding item content of each reimbursement item catalog can be set very briefly, and its content can only mark the keywords, so it is very easy to obtain the reimbursement condition keywords and keyword attribute words. Patient basic data is generally quite complex. Comparing and searching requires a large amount of scanning and is prone to errors. By locking and searching according to the keyword attribute words, the corresponding patient condition keywords can be quickly obtained, with fast and accurate searching, avoiding economic losses caused by reimbursement errors. Its attribute - tags are "medical insurance category - urban and rural residents' medical insurance, age - 75, native place - City B", and the reimbursement information comparison coincidence degree Meeting is defaulted to be overlapping. Of course, this is just a simple example and will not be elaborated here specifically.
[0037] The promise - keeping level acquisition module is used to obtain the patient's promise - keeping index R according to the patient's basic information and historical treatment information. There are various ways to obtain the patient's promise - keeping index R, and the acquisition methods are not unique, and the calculation methods are also diverse. Generally, the patient's promise - keeping index R can be judged through the patient's credit. If there is a situation of overdue payment or other credit - affecting situations, it can be determined that the patient's promise - keeping index R is zero. However, this judgment method is not completely applicable to the payment of medical expenses. Medical expenses are related to the patient's life and health, and the overdue payment in society is diverse and cannot fully represent the payment ability and attitude of medical expenses. The said promise - keeping index Where j is the number of overdue payments in the historical treatment information, J is the total number of overdue payments in the historical treatment information, j = 1, 2,..., J; b j is the amount quantity of the overdue payment numbered j in the historical treatment information, d jis the overdue time length numbered j in the historical treatment information. b0 is the amount unit in the historical treatment information, which can generally be 10,000, and of course, other numerical settings are not excluded. d0 is the time unit in the historical treatment information, which can generally be 1 month, and of course, other numerical settings are not excluded. W0 is the treatment evaluation weight, whose value can be set artificially and can be adjusted in real time by each hospital according to the specific repayment situation. Of course, other numerical settings are not excluded. k is the number of overdue non-treatment and non-payment items in a timely manner, and K is the total number of overdue non-treatment and non-payment items in a timely manner, where k = 1, 2, …, K; B k is the amount quantity of the overdue non-treatment and non-payment item numbered k, D k is the overdue time length of the overdue non-treatment and non-payment item numbered k. B0 is the standard amount quantity of the overdue non-treatment and non-payment item, and D0 is the standard time unit of the overdue non-treatment and non-payment item, which will not be elaborated here. W k is the treatment evaluation weight of the overdue non-treatment and non-payment item numbered k. For the convenience of calculation, generally if the hospital cannot accept the overdue non-payment of this item, the corresponding weight can be directly set to 0. Of course, other numerical settings are not excluded. Norm[] represents the normalization function. According to this method, situations of financial difficulties or forgotten repayments can be excluded. If there are long-term overdue or multiple overdue situations, the value will be greatly reduced, which is more suitable for evaluating the promise-keeping index of patients undergoing treatment.
[0038] The budget judgment module is used to judge whether the promise-keeping index R of the patient is greater than a preset standard promise-keeping index R T . If so, mark this patient as a promise-keeping user, and the deferred payment method can be adopted, and all medical expenses can be paid within the specified period. In this way, a large amount of time can be left for the patient and his family to prepare the treatment expenses. The specific interest can be determined according to the actual situation. Generally, the hospital's requirement for deferred payment interest is zero, which will not be elaborated here. If not, mark this patient as a non-promise-keeping user. The patient can pay first and then receive treatment or check out, etc. Or the patient or his family members with the obligation to support can be listed in the non-promise-keeping list. Later, the expenses can also be recovered through litigation, etc., which can be set according to the hospital regulations. Of course, by adopting this deferred payment method, the patient can choose freely. A commitment letter can be signed with the patient or his family through this system in advance. The commitment letter requires the patient to promise to complete the payment of expenses within the specified period. The specified period is generally 7 days, 14 days or 30 days, which can be freely selected by the patient or his family. Of course, other numerical settings are not excluded. The standard promise-keeping index R T can be set according to the actual situation. Of course, the standard promise-keeping index can also be obtained through calculation where β0 is the treatment evaluation coefficient, β k is the treatment evaluation coefficient of the overdue non-treatment and non-payment items with the serial number k. Its value ranges from 0 to 1. When the hospital does not allow overdue commitments, its value can be set to 1 uniformly, and the specific details are not elaborated here.
[0039] Embodiment 2
[0040] A medical commitment-based payment system may further include a payment ability acquisition module and a repayment period calculation module.
[0041] The payment ability acquisition module is used to acquire the household income amount m of the patient in a unit time period. The household income amount m in the unit time period can be obtained from the social relationship information, and the specific details are not elaborated here. Generally, the household income amount m here may include family members with the obligation of support or care. Then, it is calculated by cumulative addition according to the set sharing ratio, and the specific details are not elaborated here. Of course, the income of the said family members can also be filled in by the patient or his family members through the attached page set in the commitment letter in this system. This acquisition method is relatively subjective, but it is simple to obtain.
[0042] The repayment period calculation module is used to calculate the repayment period based on the income amount m and the medical expenses M to be paid, and then arrange for the patient to pay the medical expenses within the specified period according to this repayment period. The specified period here can generally be 7 days, 14 days or other time periods, and the specific details are not elaborated here. The medical expenses here include the outstanding medical expenses M' and the medical expenses M to be paid. The medical expenses M to be paid here can be calibrated by the income amount, and it can be stipulated that the income amount and the medical expenses M to be paid are set in a stepped manner. For the expenses exceeding the medical expenses M to be paid, the patient needs to make a prepayment in advance. This can avoid the patient filling in false data. The calculation method of the repayment period may include: calculating the budget period where m' is the necessary household expenditure, which can be obtained according to the family member composition and the average expenditure of each member role in the local area. For example, there is a primary school student in the family members, and the average monthly expenditure of the primary school student in the local area is 1000 yuan. Of course, this is just a simple example and may not be universal. The specific details of other situations are not elaborated here. ɑ is the payment interest rate, and its specific value can be obtained through the hospital policy. Generally, its value requirement is zero. Of course, all other situations are not excluded, and the specific details are not elaborated here. Then, it is judged whether the budget period T' is greater than the specified period. If so, the repayment period is the specified period. If not, the repayment period is the budget period T', and it can be a one-time repayment method, and the specific details are not elaborated here. This system requires policy support from the local government or the whole country. By calculating in this way, the family income and expenditure, as well as the patient's promise-keeping index, can be considered, which can ensure the rights and interests of the hospital while minimizing the payment pressure of the patient to the greatest extent and providing convenience for the patient.
[0043] Example 3
[0044] Reference Figure 2 , a medical commitment-based payment method for paying medical expenses for patients seeking medical treatment, especially large medical expenses. The medical commitment-based payment method may include:
[0045] S1. Collect information about the patient to obtain the patient's basic information and historical treatment information;
[0046] S2. Collect the patient's current medical information and the medical expenses M to be paid;
[0047] S3. Obtain the patient's promise-keeping index R based on the patient's basic information and historical treatment information;
[0048] S4. Determine whether the patient's promise-keeping index R is greater than a preset standard promise-keeping index R T . If so, execute S5; if not, execute S6;
[0049] S5. Then label the patient as a promise-keeping user and allow the patient to complete the payment of the medical matter within a specified period. The specified period can be 7 days, 14 days, or 30 days;
[0050] S6. Then label the patient as a non-promise-keeping user, do not support the deferred payment of the medical matter, and the patient must pay first before receiving treatment or going through the expense settlement procedures such as discharging from the hospital, thereby protecting the economic interests of the hospital.
[0051] It should be understood that various forms of the process shown above can be used, re-ordered, steps added or deleted. For example, the steps described in this disclosure can be executed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution disclosed in this disclosure can be achieved. This is not limited herein.
[0052] The above specific embodiments do not constitute a limitation on the protection scope of this disclosure. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this disclosure should be included within the protection scope of this disclosure.
Claims
1. A medical commitment-based payment system, characterized in that The medical commitment-based payment system includes: A patient information collection module, which is used to collect patient information, obtain patient basic information and historical treatment information; A medical information collection module, which is used to collect the patient's current medical information and the medical expenses M to be paid; A compliance level acquisition module, which is used to obtain the patient's compliance index R according to the patient's basic information and historical treatment information; A budget judgment module, which is used to judge whether the promise-keeping index R of a patient is greater than a preset standard promise-keeping index R T , if so, allow the patient to complete the payment of the medical matter within the specified period; if not, mark the patient as a user who has not kept the promise and do not support the deferred payment of the medical matter.
2. The medical commitment-based payment system according to claim 1, characterized in that, The medical expenses M to be paid = F - F', where F is the total amount of medical expenses to be paid for a medical item, and F' is the medical expenses already paid.
3. The medical commitment-based payment system according to claim 1, characterized in that, The method for obtaining the total amount of expenses to be paid for the medical matters includes: comparing according to the basic data of the patient and the matter content corresponding to the reimbursement item catalog to obtain the coincidence degree C of the reimbursement information comparison, and judging whether the maximum coincidence degree C of the reimbursement information comparison is greater than a preset standard coincidence degree C T , if so, determine that the reimbursement item catalog corresponding to the maximum coincidence degree C of the reimbursement information comparison is the current reimbursement type of the patient, and find the matter content corresponding to the reimbursement item catalog according to the current reimbursement type, so as to obtain the reimbursement ratio ξ corresponding to the current reimbursement type; if not, determine that the current reimbursement type is self-pay medical treatment; then calculate the total amount F of the expenses to be paid for the medical matters according to the reimbursement ratio.
4. The medical commitment-based payment system according to claim 3, wherein The total amount to be paid where i is the serial number of the treatment item in the patient's current medical matter, I is the total number of treatment items in the patient's current medical matter, i = 1, 2, … I; F i is the cost of the treatment item numbered i 5. The medical commitment-based payment system according to claim 3, characterized in that, The method for obtaining the reimbursement information comparison compliance degree C includes: extracting the reimbursement condition keywords and keyword attribute words corresponding to each reimbursement item directory from the item content, then constructing condition - tags according to the keyword attribute words and the conditions they require, locking the patient's basic data according to the keyword attribute words, extracting the patient's condition keywords from the patient's basic data, comparing the patient's condition keywords with the reimbursement condition keywords to obtain the comparison tags of each keyword attribute word, then combining the keyword attribute words and their corresponding comparison tags to obtain attribute - tags, and then calculating the reimbursement information comparison compliance degree C according to the attribute - tags and condition - tags.
6. The medical commitment-based payment system according to claim 5, wherein The coincidence degree of the reimbursement information comparison where n is the number of coincidences between the attribute-label and the condition-label, and N is the total number of condition-labels.
7. A medical commitment-based payment system according to claim 1, characterized in that, The historical treatment information includes the medical expenses M' that the patient has not settled yet.
8. A medical commitment-based payment system according to claim 3, characterized in that, The standard conformity C T is 100%.
9. The medical commitment-based payment system according to claim 1, characterized in that, The patient's basic information includes the patient's basic data, social relationship information and physical condition data. The social relationship information includes: occupation, family members, work unit and family income.
10. A medical commitment-based payment method, characterized in that, The medical commitment-based payment method includes: S1. Collect patient information to obtain patient basic information and historical treatment information; S2. Collect the patient's current medical information and the medical expenses M to be paid; S3. Obtain the patient's compliance index R according to the patient's basic information and historical treatment information; S4. Determine whether the patient's promise-keeping index R is greater than a preset standard promise-keeping index R T , if yes, execute S5, if no, execute S6; S5. Then label the patient as a compliant user and allow the patient to complete the payment of the medical item expenses within the specified period; S6. Then label the patient as a non-compliant user and do not support the deferred payment of this medical item.