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

Abstract

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

Description

[0001] This application is a divisional application, the original application's application number is 202510599974.4, the application date is May 9, 2025, and the invention name is "a medical insurance payment system, method, device, storage medium and electronic equipment". TECHNICAL FIELD

[0002] The present specification relates to the field of computer technology, and particularly relates to a medical insurance payment system, method, device, storage medium and electronic equipment. BACKGROUND

[0003] Medical services such as seeing a doctor and taking medicine are services that everyone needs to perform in daily life. The payment process in medical services is complex, which is a problem in this field.

[0004] At present, when a user pays medical expenses through a medical insurance account, he / she usually needs to use his / her own social security card and complete payment by inserting the social security card into a self-service terminal of a medical structure.

[0005] However, from the large number of lost social security cards that have been kept in the lost and found office beside the self-service terminal of each hospital for many years, it can be seen that the medical insurance payment method in the prior art is not only inefficient and extremely inconvenient for users to pay, but also easily leads to loss of social security cards. SUMMARY

[0006] The embodiments of the present specification provide a medical insurance payment system, method, device, storage medium and electronic equipment to partially solve the problems existing in the prior art.

[0007] The embodiments of the present specification adopt the following technical solutions: The payment system provided by the present specification comprises a user terminal, a non-accepting device, a medical service system and a medical insurance system, wherein: The user terminal is configured to perform non-contact communication with the non-accepting device; The non-accepting device is configured to, in response to the non-contact communication with the user terminal, obtain a medical insurance electronic voucher of a user from the medical insurance system, and send the medical insurance electronic voucher to the medical service system; The medical service system is configured to query a to-be-paid amount corresponding to a medical service performed by the user according to the medical insurance electronic voucher, and send the medical insurance electronic voucher, the medical service and the to-be-paid amount to the medical insurance system; The medical insurance system is configured to provide the medical insurance electronic certificate of the user to the non-reconciliation device, and determine the medical insurance account of the user according to the medical insurance electronic certificate, and perform payment settlement for the medical service according to the medical insurance account, the medical service and the amount to be paid.

[0008] The medical insurance payment method provided in the specification is applied to a user terminal, and the method comprises: The non-reconciliation device performs non-contact communication with the non-reconciliation device, and the non-reconciliation device obtains the medical insurance electronic certificate of the user from the medical insurance system, and sends the medical insurance electronic certificate to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and sends the medical insurance electronic certificate, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system determines the medical insurance account of the user according to the medical insurance electronic certificate, and performs payment settlement for the medical service according to the medical insurance account, the medical service and the amount to be paid. Receive the payment result of the medical service returned by the medical insurance system and display.

[0009] The medical insurance payment method provided in the specification is applied to a non-reconciliation device, and the method comprises: In response to the non-contact communication with the user terminal, the medical insurance electronic certificate of the user is obtained from the medical insurance system. The medical insurance electronic certificate is sent to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and sends the medical insurance electronic certificate, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system determines the medical insurance account of the user according to the medical insurance electronic certificate, and performs payment settlement for the medical service according to the medical insurance account, the medical service and the amount to be paid.

[0010] The medical insurance payment method provided in the specification is applied to a non-reconciliation service, and the method comprises: The medical insurance payment page address is obtained from the medical insurance system in advance, and the medical insurance payment page address is sent to the non-reconciliation device. Receive the medical insurance electronic certificate of the user sent by the medical insurance system; wherein the medical insurance electronic certificate is obtained by the user terminal of the user based on the non-contact communication with the non-reconciliation device, and the medical insurance payment page address saved by the non-reconciliation device is obtained through the medical insurance payment page address, and the medical insurance system is instructed to send. sending the medical insurance electronic voucher to the medical service system, so that the medical service system queries a to-be-paid amount corresponding to a medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service, and the to-be-paid amount to the medical insurance system, so that the medical insurance system determines a medical insurance account of the user according to the medical insurance electronic voucher, and performs settlement and payment for the medical service according to the medical insurance account and the medical service and the to-be-paid amount.

[0011] The present specification provides a medical insurance payment device, the device is applied to a user terminal, the device comprises: a non-contact communication module, configured to perform non-contact communication with a non-settlement device, so that the non-settlement device obtains a medical insurance electronic voucher of a user from the medical insurance system, and sends the medical insurance electronic voucher to a medical service system, so that the medical service system queries a to-be-paid amount corresponding to a medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service, and the to-be-paid amount to the medical insurance system, so that the medical insurance system determines a medical insurance account of the user according to the medical insurance electronic voucher, and performs settlement and payment for the medical service according to the medical insurance account and the medical service and the to-be-paid amount; a receiving module, configured to receive a payment result of the medical service returned by the medical insurance system, and display the payment result.

[0012] The present specification provides a medical insurance payment device, the device is applied to a user terminal, the device comprises: a receiving module, configured to receive a payment result of the medical service returned by the medical insurance system, and display the payment result. a sending module, configured to send the medical insurance electronic voucher to the medical service system, so that the medical service system queries a to-be-paid amount corresponding to a medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service, and the to-be-paid amount to the medical insurance system, so that the medical insurance system determines a medical insurance account of the user according to the medical insurance electronic voucher, and performs settlement and payment for the medical service according to the medical insurance account and the medical service and the to-be-paid amount.

[0013] The present specification provides a medical insurance payment device, the device is applied to a user terminal, the device comprises: a page address transmission module, configured to pre-obtain a medical insurance payment page address from the medical insurance system, and send the medical insurance payment page address to the non-settlement device; The receiving module is configured to receive the medical insurance electronic voucher sent by the medical insurance system; wherein, the medical insurance electronic voucher is obtained based on the non-contact communication between the user terminal of the user and the non-accepting device, and is sent by the medical insurance system through the medical insurance payment page address indicated by the medical insurance payment page address. The sending module is configured to send the medical insurance electronic voucher to the non-accepting device, so that the non-accepting device sends the medical insurance electronic voucher to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service and the amount to be paid to the medical insurance system, so that the medical insurance system determines the medical insurance account of the user according to the medical insurance electronic voucher, and settles and pays the medical service according to the medical insurance account and the medical service and the amount to be paid.

[0014] The present specification provides a computer readable storage medium, the storage medium stores a computer program, and the computer program is executed by a processor to implement the medical insurance payment method.

[0015] The present specification provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the medical insurance payment method when executing the program.

[0016] The above at least one technical solution adopted by the embodiment of the present specification can achieve the following beneficial effects: The present specification discloses a medical insurance payment system, the non-accepting device obtains the medical insurance electronic voucher of the user from the medical insurance system in response to the non-contact communication with the user terminal, and sends the medical insurance electronic voucher to the medical service system, the medical service system queries the medical service performed by the user and the corresponding amount to be paid according to the medical insurance electronic voucher, and settles and pays by using the medical insurance account of the user through the medical insurance system. Through the above system, the user only needs to use his own user terminal to perform non-contact communication with the non-accepting device, and the medical service system and the medical insurance system can cooperate with each other, based on the medical insurance electronic voucher of the user, to settle and pay for the medical service performed by the user this time by using the medical insurance account of the user, which can effectively improve the efficiency and convenience of medical insurance payment. BRIEF DESCRIPTION OF DRAWINGS

[0017] The drawings described herein are used to provide further understanding of the present specification, and form a part of the present specification. The illustrative embodiments of the present specification and their descriptions serve to explain the present specification, and do not constitute an improper limitation on the present specification. In the drawings: Figure 1A medical insurance payment system structure schematic diagram provided by an embodiment of the present specification; Figure 2 A detailed acquisition process schematic diagram of a medical insurance electronic voucher provided by an embodiment of the present specification; Figure 3 A medical insurance payment page schematic diagram displayed by a user terminal provided by an embodiment of the present specification; Figure 4 An other user schematic diagram with a medical insurance association relationship with the user displayed by a user terminal provided by an embodiment of the present specification; Figure 5 A medical insurance place switching schematic diagram displayed by a user terminal provided by an embodiment of the present specification; Figure 6 A payment result schematic diagram displayed by a user terminal provided by an embodiment of the present specification; Figure 7 A medical insurance payment device schematic diagram provided by an embodiment of the present specification; Figure 8 Another medical insurance payment device schematic diagram provided by an embodiment of the present specification; Figure 9 Still another medical insurance payment device schematic diagram provided by an embodiment of the present specification; Figure 10 A structure schematic diagram of an electronic device provided by an embodiment of the present specification. DETAILED DESCRIPTION

[0018] In order to make the purpose, technical scheme and advantages of the present specification clearer, the technical scheme of the present specification will be described clearly and completely in combination with the specific embodiments of the present specification and corresponding drawings. Obviously, the described embodiments are only some of the embodiments of the present specification, not all the embodiments. Based on the embodiments in the present specification, all other embodiments obtained by those skilled in the art without creative labor fall within the scope of protection of the present specification.

[0019] The technical scheme provided by each embodiment of the present specification will be described in detail in combination with the drawings as follows.

[0020] Figure 1 A medical insurance payment system structure schematic diagram provided by an embodiment of the present specification, comprising: a user terminal, a non-accepting device, a medical service system, a medical insurance system.

[0021] Among them, the user terminal includes a terminal used by a payment user, especially a mobile terminal, such as a mobile phone, a smart watch, etc.

[0022] The non-accepting device is a device for providing various electronic payment methods for users, which can provide various offline electronic payment methods including code scanning, face scanning, and non-contact communication-based electronic payment. In this specification, only the non-accepting device providing non-contact communication-based electronic payment is taken as an example for illustration. The non-accepting device is connected to the medical business system and can be connected to the medical business system through a wired cable or a wireless network (such as WiFi).

[0023] The medical business system is a system used by offline medical institutions such as hospitals and pharmacies to manage patient diagnosis and treatment (such as patient registration) and hospital operation (such as medical technology department collaboration), which can record the medical business performed by the user in the medical institution based on the user information of the user. The back-end management personnel of the medical institution can also pre-configure the collection amount corresponding to each medical business in the medical business system, so that the medical business system can also query the payment amount corresponding to the medical business performed by the user. The medical business system is also connected to the medical insurance system, and can cooperate with the medical insurance system to settle the payment for the user by using the medical insurance.

[0024] The medical insurance system is a system used by official medical insurance institutions to manage the medical insurance accounts of users and to settle payments for users by using the medical insurance accounts. When calculating the payment for the user by using the medical insurance account, the medical insurance electronic voucher for electronic payment needs to be provided.

[0025] As shown in Figure 1 Based on the above medical payment system, the medical payment process in the embodiment of the present specification can include the following steps: S100: The user terminal performs non-contact communication with the non-accepting device.

[0026] S102: The non-accepting device acquires the medical insurance electronic voucher of the user from the medical insurance system in response to the non-contact communication with the user terminal.

[0027] The payment system provided by the embodiment of the present specification can also include a non-accepting server corresponding to the non-accepting device located at the back end. The non-accepting server can pre-acquire the medical payment page address from the medical insurance system and write the medical payment page address into the non-accepting device for storage. The medical payment page address can be a uniform resource locator (URL) of the medical payment page, and the non-accepting device can broadcast an access signal in real time after storing the medical payment page.

[0028] In step S100, when the user terminal approaches the non-accepting device, the access signal broadcast by the non-accepting device can be received, and the non-contact communication between the user terminal and the non-accepting device can be established according to the access signal.

[0029] In step S102, the non-contact device can send the pre-written medical payment page address and the device identifier of the non-contact device to the user terminal based on the non-contact communication. The user terminal can access the medical insurance system according to the medical payment page address, and obtain and display the medical payment page provided by the non-contact service end to the user. The medical payment page includes a query message whether to authorize the medical insurance system to provide the medical electronic certificate of the user to the non-contact device. When the user operates on the medical payment page, such as clicking the confirmation button, the user terminal can confirm that the user has authorized the medical insurance system to provide the medical electronic certificate of the user to the non-contact device, and therefore, can send the authorization message and the device identifier of the non-contact device to the medical insurance system. After receiving the authorization message, the medical insurance system can generate the medical electronic certificate of the user, and send the medical electronic certificate to the non-contact device according to the device identifier of the non-contact device.

[0030] Through steps S100-S102, the non-contact device can obtain the medical electronic certificate of the user. The process shown in steps S100-S102 can be referred to as a medical electronic certificate obtaining process. The medical electronic certificate obtaining process will be described in detail hereinafter.

[0031] S104: The non-contact device sends the medical electronic certificate to the medical service system.

[0032] S106: The medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical electronic certificate.

[0033] S108: The medical service system sends the medical electronic certificate, the medical service, and the amount to be paid to the medical insurance system.

[0034] In the embodiments of the present disclosure, the medical electronic certificate of the user generated by the medical insurance system in step S102 includes the user information of the user. After the non-contact device sends the medical electronic certificate of the user to the medical service system through the connection between the non-contact device and the medical service system of the medical institution, the medical service system can obtain the user information of the user included in the medical electronic certificate, query the medical service performed by the user in the medical institution according to the user information, and determine the amount to be paid corresponding to the medical service performed by the user according to the pre-configured corresponding relationship between each medical service and the amount to be paid.

[0035] Since subsequent settlement and payment need to be made through the medical insurance account of the user, the medical system can send the medical electronic certificate of the user, the medical service performed by the user, and the corresponding amount to be paid to the medical insurance system.

[0036] S110: The medical insurance system determines the medical insurance account of the user according to the medical insurance electronic voucher sent by the medical service system.

[0037] In the embodiments of the present specification, after the medical insurance system receives the medical insurance electronic voucher of the user sent by the medical service system, the medical insurance system can query the medical insurance account of the user according to the user information contained in the medical insurance electronic voucher, and determine the fund pools corresponding to the medical insurance account of the user for paying medical expenses. The fund pools corresponding to the medical insurance account of the user for paying medical expenses in the present specification include but are not limited to the fund pool corresponding to the medical insurance personal account of the user, the fund pool corresponding to the medical insurance unified fund of the user, the fund pool corresponding to other reimbursement methods (such as third-party commercial medical insurance reimbursement) of the user, and the fund pool corresponding to the ordinary payment account of the user.

[0038] The medical insurance personal account of the user refers to the medical insurance fund account exclusively for the user in the medical insurance system of China. The fund source in the fund pool corresponding to the personal account is part of the fund deducted from the personal salary of the user and part of the fund paid by the employing unit of the user. The medical insurance unified fund of the user refers to the “public fund pool” of medical insurance in the medical insurance system of China, which is jointly paid by all insured persons and is uniformly allocated and used. The fund source in the fund pool corresponding to the medical insurance unified fund is the fund paid by the employing unit of the user or the fund of official subsidies. The third-party commercial medical insurance of the user is the commercial medical insurance that the user insures in a third party in addition to the medical insurance provided by the medical insurance system of China. The ordinary payment account of the user is the account registered by the user in a bank or a third-party financial institution. The user can use the account to pay any type of expenses.

[0039] S112: According to the medical insurance account and the medical service and the amount to be paid sent by the medical service system, the medical service is settled and paid.

[0040] After the medical insurance system determines the fund pools corresponding to the medical insurance account of the user, the medical insurance system can determine the amount to be paid from each fund pool according to the medical service performed by the user and the corresponding amount to be paid sent by the medical service system, using the settlement rules corresponding to the fund pool. Finally, the medical service performed by the user is settled and paid according to the amount determined for each fund pool.

[0041] Specifically, the medical insurance system can first determine the amount to be paid from the fund pool corresponding to the medical insurance personal account and the medical insurance unified fund of the user according to the settlement rules of the fund pool, then determine the amount to be paid from the fund pool corresponding to other reimbursement modes of the user according to the settlement rules of the fund pool corresponding to other reimbursement modes of the user, and finally determine the remaining amount as the amount to be paid from the ordinary payment account of the user.

[0042] Through the above method, the user only needs to use the user terminal to perform non-contact communication with the non-accepting device, and the medical service system and the medical insurance system can cooperate with each other to settle and pay for the medical service performed by the user based on the medical insurance electronic certificate of the user and the medical insurance account of the user, which can effectively improve the efficiency and convenience of medical insurance payment. Moreover, whether it is the medical insurance personal account or the medical insurance unified fund of the user, or other reimbursement modes of the user, or the ordinary payment account of the user, the user can complete the settlement and payment of all fund pools through one non-contact communication with the non-accepting device, without the need for multiple operations for different fund pools.

[0043] Figure 2 The detailed acquisition process of the medical insurance electronic certificate provided by the embodiments of the present specification is specifically shown in the following steps: S000: The non-accepting service end can pre-acquire a medical insurance payment page address and a plurality of tokens from the medical insurance system.

[0044] S002: The non-accepting service end writes the medical insurance payment page address and the tokens into the non-accepting device for storage.

[0045] Among them, steps S000-S002 are the preparation stage, which needs to be pre-acquired by the non-accepting service end for accessing the medical insurance payment page address of the medical insurance system, and a plurality of tokens for verifying the legality, and writing the medical insurance payment page address and all tokens into the non-accepting device for storage.

[0046] S100: The user terminal performs non-contact communication with the non-accepting device.

[0047] S10200: The non-accepting device sends the pre-written medical insurance payment page address, device identifier of the non-accepting device, and target token selected from the saved tokens to the user terminal based on the non-contact communication.

[0048] S10202: The user terminal accesses the medical insurance system according to the medical insurance payment page address to obtain the medical insurance payment page provided by the non-accepting service end.

[0049] For example, Figure 3As shown, the medical insurance payment page address is used to display the user's user information and ask the user whether they authorize the medical insurance system to provide the user's electronic medical insurance certificate to non-accepting devices.

[0050] S10204: The user terminal displays the medical insurance payment page to the user.

[0051] S10206: The user authorizes the operation on this medical insurance payment page.

[0052] exist Figure 3 On the medical insurance payment page shown, the "Medical Insurance Treatment (One-Code Payment)" button is used to confirm authorization for the medical insurance system to provide the user's electronic medical insurance voucher to non-accepting devices, while the "Self-Payment" button is used to refuse authorization for the medical insurance system to provide the user's electronic medical insurance voucher to non-accepting devices. In addition, such as... Figure 3 The medical insurance payment page also includes a "Medical Insurance Account" button for the paying user and a button for selecting the location of the medical insurance.

[0053] When a user clicks the "Select Payment User" button, the medical insurance system can display the user's own information and other users with medical insurance connections to that user through the medical insurance payment page. The medical insurance connections mentioned in this manual can refer to other users with family account relationships with the user, such as... Figure 4 As shown. In Figure 4 In the example, user Zhang San uses a user terminal to display something like... Figure 3 If the medical insurance payment page shown is clicked and the payment user selection button is selected, the medical insurance system can identify Li Si, who has a medical insurance relationship with Zhang San, and display the user information of Zhang San and Li Si through the medical insurance payment page.

[0054] like Figure 5 As shown, users can also switch their medical insurance registration location from City A to City B by clicking the "Select Medical Insurance Location" button.

[0055] If a user clicks the "Pay Out of Possession" button, which is used to refuse authorization for the medical insurance system to provide the user's electronic medical insurance certificate to non-accepting devices, the process will no longer continue. Figure 2 In the subsequent steps shown, the medical insurance system can notify the non-acceptance service terminal to provide the payment identifier corresponding to the user's ordinary payment account to the non-acceptance device. Subsequently, the non-acceptance device sends the payment identifier to the medical business system, which can then send the payment identifier and the amount to be paid corresponding to the medical service performed by the user directly to the settlement system. The settlement system directly uses the payment identifier to settle and pay the amount to be paid using the user's ordinary payment account, that is, transfers the amount to be paid from the user's ordinary payment account to the account corresponding to the medical institution.

[0056] In addition, before the user terminal displays the medical insurance payment page, the user's subscription information can be queried through the non-accepting service end to determine whether the user has subscribed to allow the financial institution where the non-accepting device and the non-accepting service end are located to provide the medical insurance payment service to the user through the method shown in Figure 1 If the user has subscribed, the medical insurance payment page is displayed, and if the user has not subscribed, a subscription page can be displayed first. When the user subscribes to allow the financial institution to provide the medical insurance payment service on the subscription page, the medical insurance payment page is displayed and the subsequent process continues.

[0057] S10208: The user terminal sends an authorization message, a device identifier of the non-accepting device, and a target token to the medical insurance system.

[0058] S10210: The medical insurance system generates a medical insurance electronic voucher of the user in response to the authorization message and verifies the target token.

[0059] In step S10208, the user terminal can also send the user information of the user to the medical insurance system. After receiving the authorization message sent by the user terminal, the medical insurance system can query the medical insurance account of the user according to the user information of the user, and generate the medical insurance electronic voucher of the user according to the medical insurance account of the user. The medical insurance electronic voucher contains the user information of the user and the medical insurance account of the user.

[0060] In order to further improve the medical insurance payment efficiency, in the embodiment of the present application, the medical insurance system can also asynchronously generate the medical insurance electronic voucher of the user without waiting for the authorization message of the user terminal. Specifically, in step S10204, when the user terminal displays the medical insurance payment page to the user, the user information of the user can be sent to the medical insurance system asynchronously at the same time. After receiving the user information, the medical insurance system can directly query the medical insurance account of the user according to the user information, and generate the medical insurance electronic voucher of the user according to the medical insurance account, but does not send the medical insurance electronic voucher to the non-accepting device, but waits until the authorization message of the user terminal is received, and then sends the medical insurance electronic voucher of the user that has been generated to the non-accepting device.

[0061] S10212: The medical insurance system sends the medical insurance electronic voucher to the non-accepting service end after the target token is verified.

[0062] S10214: The non-accepting service end sends the medical insurance electronic voucher to the non-accepting device.

[0063] In step S10208, the medical insurance electronic voucher of the user is verified by the medical insurance system regardless of whether it is generated synchronously (i.e. generated after the authorization message of the user terminal is received) or asynchronously (i.e. generated without waiting for the authorization message of the user terminal) by the medical insurance system, and the target token sent by the user terminal is verified.

[0064] Specifically, since the target token sent by the user terminal is one selected from the pre-stored tokens by the non-accepting device in step S10200, and all the tokens pre-stored by the non-accepting device are obtained from the medical insurance system by the non-accepting service end in step S000, the medical insurance system can verify on one hand whether the target token is provided to the non-accepting service end in step S000, and on the other hand whether the validity period of the target token is within the specified time.

[0065] After the target token is verified, the medical insurance electronic voucher of the user is sent to the non-accepting service end, and if the target token is not verified, the medical insurance electronic voucher of the user is refused to be sent to the non-accepting service end. After the medical insurance electronic voucher of the user is received by the non-accepting service end, the medical insurance electronic voucher is sent to the non-accepting device.

[0066] At this point, the non-accepting device obtains the medical insurance electronic voucher of the user.

[0067] In addition, since theoretically through the above Figure 1 and Figure 2 methods, the user only needs to use his own user terminal to communicate with the non-accepting device in a non-contact manner to realize the settlement and payment of the medical business he performs, in order to improve the reliability of the payment, in step S10212 above, after the target token is verified by the medical insurance system, in addition to sending the generated medical insurance electronic voucher of the user to the non-accepting service end, the medical insurance electronic voucher of the user can also be returned to the user terminal, and the user terminal can display the medical insurance electronic voucher in the form of a graphic code, so that the non-accepting device or the medical business system of the medical institution can scan the graphic code to obtain the medical insurance electronic voucher and also use the medical insurance electronic voucher to settle and pay the medical business performed by the user through the medical insurance system. It should be noted that when the user displays the medical insurance electronic voucher in the form of a graphic code, the graphic code containing the medical insurance electronic voucher can be dynamically changed according to the set period.

[0068] In the embodiment of the present specification, the user terminal in step S10200 Figure 2The step S10208 shown sends the authorization message, the device identification of the non-accepting device and the target token to the medical insurance system, and then directly starts to poll the medical insurance system for the payment result of the medical service performed by the user according to the preset polling period, and displays the payment result returned by the medical insurance system after the payment result is obtained, which includes the amount of payment of each fund pool corresponding to the medical insurance account of the user. For example, Figure 6 As shown, the user terminal can display the payment result obtained by polling the medical insurance system through the payment result page, which includes the amount of payment of each fund pool corresponding to the medical insurance account of the user, including the amount of payment of the medical insurance personal account, the medical insurance pooling fund, other reimbursement and the general payment account.

[0069] In the embodiments of the present application, the medical institutions include but are not limited to hospitals and pharmacies. When the medical institution is a hospital, the medical service performed by the user can include various diagnosis and treatment projects (such as blood test and medical imaging), and the medical service system of the hospital can directly communicate with the non-accepting device, the non-accepting server and the medical insurance system through the above-mentioned Figure 1 and Figure 2 The method shown settles and pays the medical service performed by the user. When the medical institution is a pharmacy, the medical service performed by the user in the medical institution includes purchasing medicines, Figure 1 In step S106 shown, the medical service system of the pharmacy can query the medical service performed by the user and the corresponding amount to be paid according to the medical insurance electronic certificate of the user, and the medical service system can also receive the medical service (i.e. the purchased medicines) performed by the user and the corresponding amount to be paid input by the cashier of the pharmacy. After obtaining the medical service and the corresponding amount to be paid, the medical service system can also settle and pay through the subsequent steps S108-S112.

[0070] The above is a medical insurance payment system and method provided by the embodiments of the present application. Based on the same idea, the present application also provides corresponding devices, storage media and electronic equipment.

[0071] Figure 7 A medical insurance payment device provided by the embodiments of the present application is shown in the figure, which is applied to a user terminal, and the device includes: The non-contact communication module 701 is configured to perform non-contact communication with the non-accepting device, and to cause the non-accepting device to obtain the medical insurance electronic voucher of the user from the medical insurance system and send the medical insurance electronic voucher to the medical service system, so that the medical service system queries the amount to be paid corresponding to the medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service, and the amount to be paid to the medical insurance system, so that the medical insurance system determines the medical insurance account of the user according to the medical insurance electronic voucher, and performs payment settlement for the medical service according to the medical insurance account and the medical service and the amount to be paid. The receiving module 702 is configured to receive the payment result of the medical service returned by the medical insurance system and display the payment result.

[0072] Optionally, the non-contact communication module 701 is specifically configured to perform non-contact communication with the non-accepting device, obtain the medical insurance payment page address saved in the non-accepting device based on the non-contact communication, and instruct the medical insurance system to send the medical insurance electronic voucher of the user to the non-accepting device through the medical insurance payment page address.

[0073] Optionally, the non-contact communication module 701 is specifically configured to display a medical insurance payment page to the user based on the medical insurance payment page address, and send an authorization message to the medical insurance system in response to an authorization operation of the user on the medical insurance payment page, so that the medical insurance system sends the medical insurance electronic voucher of the user to the non-accepting device based on the authorization message.

[0074] Optionally, the non-contact communication module 701 is further configured to send user information of the user to the medical insurance system asynchronously when the medical insurance payment page is displayed to the user, so that the medical insurance system generates the medical insurance electronic voucher of the user according to the user information sent by the user terminal.

[0075] Optionally, the receiving module 702 is further configured to receive the medical insurance electronic voucher of the user returned by the medical insurance system asynchronously according to the authorization message, and display the medical insurance electronic voucher.

[0076] Optionally, the receiving module 702 is specifically configured to poll the medical insurance system for the payment result of the medical service at a preset polling period, and display the payment result after receiving the payment result returned by the medical insurance system, the payment result including the amount paid by each fund pool corresponding to the medical insurance account of the user.

[0077] Figure 8 Another medical insurance payment device provided by the embodiment of the present application is shown in another medical insurance payment device schematic diagram, and the device is applied to a non-accepting device, and the device comprises: The acquisition module 801 acquires the medical insurance electronic voucher of the user from the medical insurance system in response to the non-contact communication with the user terminal; The sending module 802 sends the medical insurance electronic voucher to the medical service system, so that the medical service system queries the to-be-paid amount corresponding to the medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service, and the to-be-paid amount to the medical insurance system, so that the medical insurance system determines the medical insurance account of the user according to the medical insurance electronic voucher, and performs settlement and payment for the medical service according to the medical insurance account and the medical service and the to-be-paid amount.

[0078] Optionally, the apparatus further includes: The storage module 803 receives the medical insurance payment page address sent by the non-financial service terminal before the acquisition module 801 acquires the medical insurance electronic voucher of the user from the medical insurance system in response to the non-contact communication with the user terminal, and saves the medical insurance payment page address, where the medical insurance payment page address is pre-acquired by the non-financial service terminal from the medical insurance system; The acquisition module 801 is specifically configured to send the saved medical insurance payment page address to the user terminal based on the non-contact communication in response to the non-contact communication with the user terminal, so that the user terminal instructs the medical insurance system to send the medical insurance electronic voucher of the user to the non-financial device through the medical insurance payment page address.

[0079] Figure 9 Another medical insurance payment apparatus provided by the embodiments of the present specification is provided, and the apparatus is applied to a non-financial service terminal. The apparatus includes: The page address transmission module 901 pre-acquires a medical insurance payment page address from the medical insurance system, and sends the medical insurance payment page address to the non-financial device; The receiving module 902 receives the medical insurance electronic voucher of the user sent by the medical insurance system; the medical insurance electronic voucher is sent by the medical insurance system based on the medical insurance payment page address saved by the non-financial device after the user terminal of the user performs non-contact communication with the non-financial device; The sending module 903 is configured to send the medical insurance electronic voucher to the non-accepting device, so that the non-accepting device sends the medical insurance electronic voucher to the medical service system, so that the medical service system queries a to-be-paid amount corresponding to a medical service performed by the user according to the medical insurance electronic voucher, and sends the medical insurance electronic voucher, the medical service, and the to-be-paid amount to the medical insurance system, so that the medical insurance system determines a medical insurance account of the user according to the medical insurance electronic voucher, and performs settlement and payment for the medical service according to the medical insurance account and the medical service and the to-be-paid amount.

[0080] The present specification also provides a computer readable storage medium, which stores a computer program. The computer program is executed by a processor to perform the medical insurance payment method provided above.

[0081] Based on the medical insurance payment method shown in Figure 1 and Figure 2 The present specification also provides an electronic device shown in Figure 10 The electronic device shown in Figure 10 At the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory, and a non-volatile memory, and of course can also include other hardware required by the business. The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs to implement the medical insurance payment method described above.

[0082] The above only describes the embodiments of the present specification and is not intended to limit the present specification. For those skilled in the art, the present specification can have various changes and variations. Any modification, equivalent replacement, improvement, etc. within the spirit and principle of the present specification shall be included in the scope of claims of the present specification.

Claims

1. A medical payment system, the payment system comprising: The user terminal, the non-accepting device, the medical service system, and the medical insurance system; wherein: The user terminal is configured to perform non-contact communication with the non-accepting device, obtain a medical insurance payment page address based on the non-contact communication, access a medical insurance system through the medical insurance payment page address, and instruct the medical insurance system to send a medical insurance electronic certificate of a user to the non-accepting device. The non-accepting device is configured to obtain the medical insurance electronic certificate of the user from the medical insurance system in response to the non-contact communication with the user terminal, and send the medical insurance electronic certificate to the medical service system. The medical service system is configured to query a to-be-paid amount corresponding to a medical service performed by the user according to the medical insurance electronic certificate, and send at least the medical insurance electronic certificate and the to-be-paid amount to the medical insurance system. The medical insurance system is configured to provide the medical insurance electronic certificate of the user to the non-accepting device, determine a medical insurance account of the user according to the medical insurance electronic certificate sent by the medical service system, and perform settlement payment according to the medical insurance account and the to-be-paid amount sent by the medical service system.

2. The payment system of claim 1, further comprising: A non-accepting service side; The non-accepting service side is configured to obtain a medical insurance payment page address from the medical insurance system in advance, and send the medical insurance payment page address to the non-accepting device. The non-accepting device is further configured to receive the medical insurance payment page address sent by the non-accepting service side, and save the medical insurance payment page address.

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

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

5. The payment system of any one of claims 2-4, wherein the medical insurance system is specifically configured to send the medical insurance electronic certificate of the user to the non-accepting service side. The non-accepting service side is specifically configured to send the medical insurance electronic certificate to the non-accepting device.

6. The payment system of claim 3, wherein the medical insurance system is further configured to return the medical insurance electronic certificate of the user to the user terminal asynchronously in response to the authorization message. The user terminal is further configured to display the medical insurance electronic certificate. 7.The payment system of claim 1, wherein the medical service system is specifically configured to: acquire the user information of the user included in the medical insurance electronic voucher, query the medical service performed by the user according to the user information, and determine the amount to be paid corresponding to the medical service. 8.The payment system of claim 1, wherein the medical insurance system is specifically configured to: determine, according to the medical insurance account, each fund pool corresponding to the medical insurance account for paying medical expenses, for each fund pool, determine the amount to be paid from the fund pool according to the medical service and the amount to be paid sent by the medical service system, and settle and pay the medical service according to the amount determined for each fund pool. 9.The payment system of claim 8, wherein the user terminal is further configured to: poll the medical insurance system for the payment result of the medical service at a preset polling period, and display the payment result after obtaining the payment result, wherein the payment result includes the amount paid by each fund pool corresponding to the medical insurance account of the user. 10.A medical insurance payment method, applied to a user terminal, the method comprising: performing non-contact communication with a non-accepting device, acquiring a medical insurance payment page address based on the non-contact communication, accessing a medical insurance system through the medical insurance payment page address, instructing the medical insurance system to send a medical insurance electronic voucher of a user to the non-accepting device, and enabling the non-accepting device to send the medical insurance electronic voucher to a medical service system, so that the medical service system queries an amount to be paid corresponding to a medical service performed by the user according to the medical insurance electronic voucher, and at least sends the medical insurance electronic voucher and the amount to be paid to a medical insurance system, so that the medical insurance system determines a medical insurance account of the user according to the medical insurance electronic voucher, and settles and pays according to the medical insurance account and the amount to be paid; receiving a payment result of the medical service returned by the medical insurance system, and displaying the payment result. 11.The method of claim 10, wherein accessing the medical insurance system through the medical insurance payment page address, and instructing the medical insurance system to send the medical insurance electronic voucher of the user to the non-accepting device specifically comprises: based on the medical insurance payment page address, displaying a medical insurance payment page to the user; in response to an authorization operation of the user in the medical insurance payment page, sending an authorization message to the medical insurance system, so that the medical insurance system sends the medical insurance electronic voucher of the user to the non-accepting device based on the authorization message. 12.The method of claim 11, further comprising: when displaying the medical insurance payment page to the user, asynchronously sending user information of the user to the medical insurance system, so that the medical insurance system generates the medical insurance electronic voucher of the user according to the user information sent by the user terminal. 13.The method of claim 11, further comprising: receiving the medical insurance electronic voucher of the user returned by the medical insurance system asynchronously according to the authorization message; displaying the medical insurance electronic voucher. 14.The method of claim 10, wherein the payment result of the medical service returned by the medical insurance system is received and displayed, and specifically comprising: polling the payment result of the medical service from the medical insurance system according to a preset polling period; after receiving the payment result returned by the medical insurance system, displaying the payment result, wherein the payment result comprises the amount of payment of each fund pool corresponding to the medical insurance account of the user. 15.A medical insurance payment method, applied to a non-receiving device, the method comprising: obtaining a medical insurance electronic certificate of a user from a medical insurance system in response to a non-contact communication with a user terminal; the medical insurance electronic certificate is obtained by the user terminal based on the non-contact communication, and the medical insurance payment page address is accessed by the medical insurance system, and the medical insurance system is instructed to send the medical insurance electronic certificate of the user to the non-receiving device; sending the medical insurance electronic certificate to a medical service system, so that the medical service system queries the amount of payment corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and at least sends the medical insurance electronic certificate and the amount of payment to the medical insurance system, so that the medical insurance system determines the medical insurance account of the user according to the medical insurance electronic certificate, and performs settlement payment according to the medical insurance account and the amount of payment. 16.The method of claim 15, wherein before obtaining the medical insurance electronic certificate of the user from the medical insurance system in response to the non-contact communication with the user terminal, the method further comprises: receiving and saving the medical insurance payment page address sent by the non-receiving server, wherein the medical insurance payment page address is obtained in advance by the non-receiving server from the medical insurance system. 17.A medical insurance payment method, applied to a non-receiving server, the method comprising: obtaining a medical insurance payment page address from a medical insurance system in advance, and sending the medical insurance payment page address to a non-receiving device; receiving a medical insurance electronic certificate of a user sent by the medical insurance system; wherein the medical insurance electronic certificate is obtained by the user terminal of the user based on the non-contact communication when the user terminal of the user and the non-receiving device perform non-contact communication, and the medical insurance payment page address is accessed by the medical insurance system, and the medical insurance system is instructed to send; sending the medical insurance electronic certificate to the non-receiving device, so that the non-receiving device sends the medical insurance electronic certificate to a medical service system, so that the medical service system queries the amount of payment corresponding to the medical service performed by the user according to the medical insurance electronic certificate, and at least sends the medical insurance electronic certificate and the amount of payment to the medical insurance system, so that the medical insurance system determines the medical insurance account of the user according to the medical insurance electronic certificate, and performs settlement payment according to the medical insurance account and the amount of payment. 18.A medical insurance payment device, applied to a user terminal, the device comprising: The non-contact communication module is used for non-contact communication with a non-receiving device. Based on the non-contact communication, a medical insurance payment page address is obtained, and a medical insurance system is accessed through the medical insurance payment page address. The medical insurance system is instructed to send a medical insurance electronic certificate of a user to the non-receiving device. The non-receiving device sends the medical insurance electronic certificate to a medical service system, so that the medical service system queries a to-be-paid amount corresponding to a medical service performed by the user according to the medical insurance electronic certificate, and at least sends the medical insurance electronic certificate and the to-be-paid amount to the medical insurance system. The medical insurance system determines a medical insurance account of the user according to the medical insurance electronic certificate, and performs settlement payment according to the medical insurance account and the to-be-paid amount. The receiving module is used for receiving a payment result of the medical service returned by the medical insurance system, and displaying the payment result.

19. A medical insurance payment device, the device is applied to a non-receiving device, and the device comprises: An obtaining module is used for obtaining a medical insurance electronic certificate of a user from a medical insurance system in response to non-contact communication with a user terminal. The medical insurance electronic certificate is obtained by the user terminal based on the non-contact communication, a medical insurance payment page address is obtained, a medical insurance system is accessed through the medical insurance payment page address, and the medical insurance system is instructed to send a medical insurance electronic certificate of a user to the non-receiving device. A sending module is used for sending the medical insurance electronic certificate to a medical service system, so that the medical service system queries a to-be-paid amount corresponding to a medical service performed by the user according to the medical insurance electronic certificate, and at least sends the medical insurance electronic certificate and the to-be-paid amount to the medical insurance system. The medical insurance system determines a medical insurance account of the user according to the medical insurance electronic certificate, and performs settlement payment according to the medical insurance account and the to-be-paid amount.

20. A medical insurance payment device, the device is applied to a non-receiving service end, and the device comprises: A page address transmission module is used for obtaining a medical insurance payment page address from a medical insurance system in advance, and sending the medical insurance payment page address to a non-receiving device. A receiving module is used for receiving a medical insurance electronic certificate of a user sent by the medical insurance system. The medical insurance electronic certificate is obtained by a user terminal of the user based on non-contact communication when the user terminal of the user performs non-contact communication with the non-receiving device, a medical insurance payment page address is obtained after the non-contact communication, a medical insurance system is accessed through the medical insurance payment page address, and the medical insurance system is instructed to send. A sending module is used for sending the medical insurance electronic certificate to the non-receiving device, so that the non-receiving device sends the medical insurance electronic certificate to a medical service system. The medical service system queries a to-be-paid amount corresponding to a medical service performed by the user according to the medical insurance electronic certificate, and at least sends the medical insurance electronic certificate and the to-be-paid amount to the medical insurance system. The medical insurance system determines a medical insurance account of the user according to the medical insurance electronic certificate, and performs settlement payment according to the medical insurance account and the to-be-paid amount.

21. A computer readable storage medium, the storage medium having stored thereon a computer program which, when executed by a processor, implements the method of any of claims 10-17.

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

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