An inter-office credit medical application system and method

Abstract

The application provides an inter-diagnosis credit medical application system and method, the inter-diagnosis credit medical application system comprises a registration and credit granting module, a user registration module, a credit medical treatment module, a fee settlement module and a credit limit releasing module; the inter-diagnosis credit medical application system is connected with a hospital information system, a bank system and a third-party payment platform.The application can better realize credit medical application, realize optimal allocation of medical resources and further improve the medical service level.

Description

Technical Field

[0001] This invention relates to the field of hospital information system technology, specifically to an in-clinic credit-based medical application system and method. Background Technology

[0002] The international status quo of credit-based healthcare research: Some developed countries and regions have successfully built relatively complete credit-based healthcare systems by leveraging advanced credit assessment and management mechanisms. These systems effectively improve the quality and efficiency of medical services and enhance the rational allocation and utilization of medical resources through comprehensive monitoring and timely early warning of patients' medical behavior. At the same time, the application of credit cards in medical settings is becoming increasingly widespread, and their convenient and efficient payment characteristics have greatly improved patients' healthcare experience.

[0003] The current state of research on credit-based healthcare in China: Represented by pioneering medical institutions such as Beijing Hepingli Hospital, they have taken the lead in launching credit-based medical treatment models and introducing credit mechanisms, which not only enabled the rapid and convenient settlement of medical expenses, but also further improved the efficiency and quality of medical services.

[0004] However, the construction of a credit-based healthcare system based on information technology is still in its initial stage and faces many challenges. Issues such as inconsistent credit assessment standards and information silos are key problems that urgently need to be addressed. Therefore, it is necessary to further explore and improve the architecture and working model of the credit-based healthcare system to achieve optimal allocation of medical resources and further enhance the level of medical services. Summary of the Invention

[0005] The present invention aims to provide an in-clinic credit-based medical application system and method, which can better realize the application of credit-based medical care, and further improve the allocation of medical resources and the level of medical services.

[0006] The technical solution of the present invention is as follows: The aforementioned in-clinic credit-based medical application system includes a registration and credit granting module, a user registration module, a credit-based medical treatment module, a payment settlement module, and a credit limit release module. The in-clinic credit-based medical application system is integrated with hospital information systems, banking systems, medical insurance systems, and third-party payment platforms. The registration and credit granting module is used for patients to register credit accounts, and through connection with the banking system, the banking system grants registrants a credit medical limit through password-free payment and authorized payment methods; The user registration module is used to register users for registration and share registration information with the hospital information system; or to obtain the user's registration information from the hospital information system. The aforementioned credit-based medical treatment module is used for credit calculation of users' in-clinic medical treatment, including the activation and deduction of credit limits for outpatient registration fees, outpatient treatment fees, and inpatient expenses without password. The aforementioned fee settlement module is used for users to settle accounts after their diagnosis based on the deducted credit limit, according to the medical insurance settlement or self-pay settlement method. After the settlement is completed, the settlement information is sent to the credit limit release module. The credit limit release module is used to determine the settlement status based on the settlement information. After confirming successful settlement, it releases the deducted credit limit and feeds back the credit limit release information to the bank system.

[0007] The aforementioned in-clinic credit medical application system also includes a refund module. The refund module is used to input refund information or query and obtain refund information from the hospital information system, and to process refunds based on the refund information. Specifically, if the refund information corresponds to an unsettled and deducted credit limit, the corresponding credit limit will be automatically released; if the refund information corresponds to a settled fee, the fee will be refunded to the original payment method.

[0008] The registration and credit authorization module includes a registration and login submodule, a credit authorization submodule, and a payment binding submodule; The registration and login submodule is used to obtain user information from the hospital information system or medical insurance system, randomly generate a credit medical treatment ID, accurately match the credit medical treatment ID with the user information, and store the identity verification information uploaded by the user; the registration submodule automatically identifies the patient through face or fingerprint recognition. The credit granting submodule submits a credit limit application to the bank, and the bank provides feedback on the credit review results and credit limit status to the user; if the user cannot obtain credit, the binding instruction is transmitted to the payment binding submodule. The payment binding submodule is used to connect with the bank system according to the user's selection or the binding instruction transmitted by the credit submodule, based on the payment agent information filled in by the user. The bank system then notifies the payment agent to set up a family account for the user and bind the credit account to the user.

[0009] The user registration module includes a registration information acquisition submodule, a registration application submodule, and a quota activation submodule; The registration information retrieval submodule is activated based on the user's selection, continuously reads the user's registration information in the hospital information system, and returns the query results; The registration application submodule is activated according to the user's selection, and applies for registration from the hospital information system. After the hospital information system completes the registration process, it returns the registration result to the registration application submodule, which then provides feedback on the registration result. The credit limit activation submodule checks whether a user's credit limit is activated after successful registration. If it is not activated, an activation application is pushed to the bank system, which then activates the user's credit limit. If the user has no credit limit, their family account limit is activated.

[0010] The credit-based medical treatment module includes a credit-based registration sub-module, a credit-based outpatient treatment sub-module, and a credit-based hospitalization sub-module; The credit registration submodule is used when a user visits an outpatient clinic. Based on the instructions entered by the doctor, it deducts the registration fee from the user's credit limit, occupies the credit limit, and notifies the user. When the credit limit is insufficient, it transmits instructions to the fee settlement module. The credit-based medical treatment submodule is used to automatically confirm the doctor's orders and expense details when the user's outpatient visit ends, calculate the credit limit to be used, automatically use the user's credit limit, and notify the user; when the credit limit is insufficient, it transmits instructions to the expense settlement module. The aforementioned credit-based hospitalization submodule is used for settling user expenses during hospitalization and upon discharge. Based on the user's incurred hospitalization expenses or outstanding payments upon discharge, it allocates the user's credit limit and notifies the user. When the credit limit is insufficient, it transmits instructions to the expense settlement module.

[0011] The credit-based medical treatment module also includes a treatment comparison submodule. During outpatient and inpatient medical treatment activities, the credit registration submodule, credit treatment submodule, and credit hospitalization submodule first transmit instructions to the treatment comparison submodule. The treatment comparison submodule automatically obtains benchmark data from the hospital information system to compare the execution and confirmation of various treatment information. After confirming that the hospital service or drug consumption has actually occurred, it transmits instructions back to the corresponding submodule for subsequent processing.

[0012] The fee settlement module includes an outpatient settlement submodule, an inpatient fee settlement submodule, a discharge settlement submodule, and a third-party payment submodule; The outpatient settlement submodule, according to the user's selection, obtains settlement information from the medical insurance system through the hospital information system, or directly transfers it to a third-party payment platform and bank system for fee settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and then sends the settled list to the user; The inpatient expense settlement submodule compares the user's credit limit with the actual expenses at a fixed time every day. If the expenses exceed the credit limit, the inpatient expense settlement submodule will, according to the user's choice, obtain settlement information from the medical insurance system through the hospital information system, or directly transfer the expense to a third-party payment platform and bank system for settlement, or directly settle through the medical insurance system and transfer it to the credit limit release module to release the credit limit, and then send the settled list to the user. The discharge settlement submodule determines whether the patient needs to be discharged the next day based on the discharge pre-settlement information pushed by the hospital information system or by automatically querying the user's treatment information at fixed daily time nodes. If it is determined that the patient needs to be discharged the next day, the discharge settlement submodule obtains the medical insurance system settlement information from the hospital information system, or directly transfers it to a third-party payment platform and bank system for fee settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and finally feeds back the settlement data list to the user. If the user's discharge time is longer than the set time and the user has not completed the settlement, the information on the used credit limit is sent to the bank system and the user is notified. The third-party payment submodule initiates a third-party payment request to the holder of the bound family account based on the user's selected payment instruction. The family account then makes the payment. After the payment is completed, a settlement data list is sent back to the user. If the user has a credit limit, the system will transfer the credit limit to the credit limit release module to release it. If the user does not have a credit limit, the system will transfer the credit limit to the family account to release it.

[0013] The credit limit release module includes a release instruction recognition submodule, a full credit limit release submodule, and a partial credit limit release submodule; The release instruction recognition submodule judges the settlement information sent by the fee settlement module. If the fee is completely settled, it releases all the occupied credit limit through the credit limit complete release submodule and notifies the user. If the fee is partially settled, it releases the settled portion of the credit limit through the credit limit partial release submodule and notifies the user.

[0014] The aforementioned in-clinic credit medical application system also includes a credit rating feedback submodule, which is used to notify users of default behavior when the user's credit limit release time exceeds the period stipulated by the bank.

[0015] This invention also discloses a method for applying credit-based healthcare, comprising the following steps: A. Patients register through the registration and credit granting module. During registration, the system connects with the banking system, which then grants the registrant a credit medical limit through contactless payment and authorized payment methods. B. Registered users can register through the registration module and share the registration information with the hospital information system, or directly obtain the user's registration information from the hospital information system through the registration module. C. Credit calculation for users' in-clinic visits, including outpatient registration fees, outpatient treatment costs, and inpatient expenses, with credit limits activated and deducted without password through the credit medical treatment module; D. The fee settlement module settles the bill based on the credit limit deducted from the user after the consultation, according to the medical insurance settlement or self-pay settlement method. After the settlement is completed, the settlement information is sent to the credit limit release module. E. The credit limit release module makes a judgment based on the settlement information. After confirming that the settlement is successful, it releases the deducted credit limit and feeds back the credit limit release information to the bank system. F. When the user's credit limit release time exceeds the period stipulated by the bank, the credit rating feedback submodule will notify the user of the default behavior. G. If a refund is required, enter the refund information in the refund module, or query the hospital information system for refund information in the refund module. The refund will be processed according to the refund information. Specifically: if the refund information corresponds to an unsettled deducted credit limit, the corresponding credit limit will be automatically released; if the refund information corresponds to a settled fee, the fee will be refunded to the original payment method.

[0016] Preferred methods for applying credit-based healthcare include the following steps: A. The patient obtains user information from the hospital information system through the registration and login submodule, randomly generates a credit medical treatment ID, accurately matches the credit medical treatment ID with the user information, and stores the identity verification information uploaded by the user; the registration submodule automatically identifies the patient through facial or fingerprint recognition. Then, the credit granting submodule submits a credit limit application to the bank, and the bank provides feedback on the credit review results and credit limit status to the user. If the user cannot obtain credit, the binding instruction is transmitted to the payment binding submodule. The payment binding submodule connects with the bank system according to the binding instruction selected by the user or transmitted by the credit granting submodule, based on the payment agent information filled in by the user. The bank system then notifies the payment agent to set up a family account for the user and bind the credit account to the user. B. Based on the user's selection, the registration information acquisition submodule is activated to continuously read the user's registration information in the hospital information system and return the query results; or the registration application submodule is activated to apply for registration in the hospital information system. After the hospital information system completes the registration processing, the registration result is returned to the registration application submodule, which then returns the registration result. After a user successfully registers, the credit limit activation submodule checks whether the user's credit limit is activated. If it is not activated, an activation application is pushed to the bank system, which then activates the user's credit limit. If the user has no credit limit, their family account limit is activated. C. Based on the instructions entered by the doctor, the credit registration submodule deducts the user's registration fee from their credit limit, consuming their credit limit, and notifies the user; when the credit limit is insufficient, it transmits instructions to the fee settlement module. When a user's outpatient visit ends, the credit-based medical treatment submodule automatically confirms the medical orders and expense details, calculates the credit limit to be used, automatically uses the user's credit limit, and notifies the user; when the credit limit is insufficient, it transmits instructions to the expense settlement module. When settling hospitalization expenses and discharge settlement, the credit hospitalization submodule uses the user's credit limit based on the user's incurred hospitalization expenses or outstanding payments upon discharge, and notifies the user; when the credit limit is insufficient, it transmits instructions to the expense settlement module. During outpatient and inpatient medical activities, the credit registration submodule, credit medical treatment submodule, and credit hospitalization submodule first transmit instructions to the treatment comparison submodule. The treatment comparison submodule automatically obtains benchmark data from the hospital information system to compare the execution and confirmation of various treatment information. After confirming that the hospital service or drug consumption has actually occurred, it transmits instructions back to the corresponding submodule for further processing. D. When settling outpatient expenses, the outpatient settlement submodule, depending on the user's selection, obtains settlement information from the medical insurance system through the hospital information system, or directly transfers it to a third-party payment platform and bank system for expense settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and then sends the settled list to the user. At fixed times each day, the inpatient expense settlement submodule compares the user's credit limit with the actual expenses. If the expenses exceed the credit limit, the inpatient expense settlement submodule will, depending on the user's choice, obtain settlement information from the medical insurance system through the hospital information system, or directly transfer the expense to a third-party payment platform and bank system for settlement, or directly settle through the medical insurance system and transfer it to the credit limit release module to release the credit limit. Then, the settled list will be sent to the user. The discharge settlement submodule determines whether the patient needs to be discharged the next day based on the discharge pre-settlement information pushed by the hospital information system or by automatically querying the user's treatment information at fixed time points each day. If it is determined that the patient needs to be discharged the next day, the discharge settlement submodule obtains the settlement information from the medical insurance system from the hospital information system, or directly transfers it to a third-party payment platform and bank system for fee settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and finally feeds back the settlement data list to the user. If the user's discharge time is longer than the set time and the user has not completed the settlement, the information on the used credit limit is sent to the bank system and the user is notified. Based on the user's selected payment instruction, the third-party payment sub-module initiates a third-party payment request to the holder of the bound family account, and the family account makes the payment. After the payment is completed, a settlement data list is returned to the user. If the user has a credit limit, the process is transferred to the credit limit release module to release the credit limit. If the user does not have a credit limit, the process is transferred to the credit limit release module to release the credit limit of their family account. E. Based on the settlement information sent by the fee settlement module, the release instruction recognition submodule makes a judgment. If the fee is completely settled, the full release submodule releases all the occupied credit limit and notifies the user. If the fee is partially settled, the partial release submodule releases the settled portion of the credit limit and notifies the user. F. When the user's credit limit release time exceeds the period stipulated by the bank, the credit rating feedback submodule will notify the user of the default behavior. G. If a refund is required, enter the refund information in the refund module, or query the hospital information system for refund information in the refund module. The refund will be processed according to the refund information. Specifically: if the refund information corresponds to an unsettled deducted credit limit, the corresponding credit limit will be automatically released; if the refund information corresponds to a settled fee, the fee will be refunded to the original payment method.

[0017] The beneficial effects of this invention are as follows: 1. The in-clinic credit medical application system and method of the present invention enable patients to conveniently complete a series of processes such as registration, authentication and appointment booking online without having to queue on-site. This not only shortens the medical treatment time and improves the efficiency of medical services, but also ensures the accuracy of patient information entry through the application of digital means, effectively reducing the risk of medical delays or misdiagnosis caused by information errors, thereby improving the efficiency and quality of medical services.

[0018] 2. The in-clinic credit medical application system and method of the present invention supports diverse payment methods, including credit cards, and realizes rapid settlement of medical expenses, greatly avoiding the cumbersome and inconvenient nature of traditional cash payment, and providing patients with a more convenient and efficient payment experience; at the same time, its intelligent appointment registration function allows patients to reasonably arrange their consultation time according to their own situation, significantly reducing the waiting time at the hospital, further improving the overall patient satisfaction and enhancing the patient's medical experience.

[0019] 3. The in-clinic credit-based medical application system and method of this invention innovatively constructs a medical system where medical treatment is conducted through credit in the clinic, and payment is settled only after the treatment. Furthermore, the entire settlement process can intelligently allocate medical resources based on the patient's credit status and actual medical needs, ensuring efficient resource utilization and effectively avoiding resource waste and medical congestion. Simultaneously, the system utilizes digital means to enable hospitals to more accurately understand patients' medical needs and behavioral patterns, thereby optimizing internal operating processes and promoting the construction of a social credit-based medical system, demonstrating promising application prospects. Detailed Implementation

[0020] The present invention will now be described in detail with reference to specific embodiments. Example 1

[0021] The aforementioned in-clinic credit-based medical application system includes a registration and credit granting module, a user registration module, a credit-based medical treatment module, a payment settlement module, a credit limit release module, a credit rating feedback sub-module, and a refund module; The in-clinic credit-based medical application system is integrated with hospital information systems, banking systems, medical insurance systems, and third-party payment platforms. The registration and credit authorization module includes a registration and login submodule, a credit authorization submodule, and a payment binding submodule; The registration and login submodule is used to obtain user information from the hospital information system or medical insurance system, randomly generate a credit medical treatment ID, accurately match the credit medical treatment ID with the user information, and store the identity verification information uploaded by the user; the registration submodule automatically identifies the patient through face or fingerprint recognition. The credit granting submodule submits a credit limit application to the bank, and the bank provides feedback on the credit review results and credit limit status to the user; if the user cannot obtain credit, the binding instruction is transmitted to the payment binding submodule. The payment binding submodule is used to connect with the bank system according to the user's selection or the binding instruction transmitted by the credit submodule, based on the payment agent information filled in by the user. The bank system then notifies the payment agent to set up a family account for the user and bind the credit account to the user.

[0022] The user registration module includes a registration information acquisition submodule, a registration application submodule, and a quota activation submodule; The registration information retrieval submodule is activated based on the user's selection, continuously reads the user's registration information in the hospital information system, and returns the query results; The registration application submodule is activated according to the user's selection, and applies for registration from the hospital information system. After the hospital information system completes the registration process, it returns the registration result to the registration application submodule, which then provides feedback on the registration result. The credit limit activation submodule checks whether a user's credit limit is activated after successful registration. If it is not activated, an activation application is pushed to the bank system, which then activates the user's credit limit. If the user has no credit limit, their family account limit is activated.

[0023] The credit-based medical treatment module includes a credit-based registration sub-module, a credit-based outpatient treatment sub-module, a credit-based hospitalization sub-module, and a treatment comparison sub-module. The credit registration submodule is used when a user visits an outpatient clinic. Based on the instructions entered by the doctor, it deducts the registration fee from the user's credit limit, occupies the credit limit, and notifies the user. When the credit limit is insufficient, it transmits instructions to the fee settlement module. The credit-based medical treatment submodule is used to automatically confirm the doctor's orders and expense details when the user's outpatient visit ends, calculate the credit limit to be used, automatically use the user's credit limit, and notify the user; when the credit limit is insufficient, it transmits instructions to the expense settlement module. The aforementioned credit-based hospitalization submodule is used for settling user expenses during hospitalization and upon discharge. Based on the user's incurred hospitalization expenses or outstanding payments upon discharge, it allocates the user's credit limit and notifies the user. When the credit limit is insufficient, it transmits instructions to the expense settlement module. During outpatient and inpatient medical activities, the credit registration submodule, credit medical treatment submodule, and credit hospitalization submodule first transmit instructions to the treatment comparison submodule. The treatment comparison submodule automatically obtains benchmark data from the hospital information system to compare the execution and confirmation of various treatment information. After confirming that the hospital service or drug consumption has actually occurred, it transmits instructions back to the corresponding submodule for further processing.

[0024] The fee settlement module includes an outpatient settlement submodule, an inpatient fee settlement submodule, a discharge settlement submodule, and a third-party payment submodule; The outpatient settlement submodule, according to the user's selection, obtains settlement information from the medical insurance system through the hospital information system, or directly transfers it to a third-party payment platform and bank system for fee settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and then sends the settled list to the user; The inpatient expense settlement submodule compares the user's credit limit with the actual expenses at a fixed time every day. If the expenses exceed the credit limit, the inpatient expense settlement submodule will, according to the user's choice, obtain settlement information from the medical insurance system through the hospital information system, or directly transfer the expense to a third-party payment platform and bank system for settlement, or directly settle through the medical insurance system and transfer it to the credit limit release module to release the credit limit, and then send the settled list to the user. The discharge settlement submodule determines whether the patient needs to be discharged the next day based on the discharge pre-settlement information pushed by the hospital information system or by automatically querying the user's treatment information at fixed daily time nodes. If it is determined that the patient needs to be discharged the next day, the discharge settlement submodule obtains the medical insurance system settlement information from the hospital information system, or directly transfers it to a third-party payment platform and bank system for fee settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and finally feeds back the settlement data list to the user. If the user's discharge time is longer than the set time and the user has not completed the settlement, the information on the used credit limit is sent to the bank system and the user is notified. The third-party payment submodule initiates a third-party payment request to the holder of the bound family account based on the user's selected payment instruction. The family account then makes the payment. After the payment is completed, a settlement data list is sent back to the user. If the user has a credit limit, the system will transfer the credit limit to the credit limit release module to release it. If the user does not have a credit limit, the system will transfer the credit limit to the family account to release it.

[0025] The credit limit release module includes a release instruction recognition submodule, a full credit limit release submodule, and a partial credit limit release submodule; The release instruction recognition submodule judges the settlement information sent by the fee settlement module. If the fee is completely settled, it releases all the occupied credit limit through the credit limit complete release submodule and notifies the user. If the fee is partially settled, it releases the settled portion of the credit limit through the credit limit partial release submodule and notifies the user.

[0026] The credit rating feedback submodule is used to notify users of default behavior when the credit limit release time exceeds the period stipulated by the bank.

[0027] The aforementioned refund module is used to input refund information or query and obtain refund information from the hospital information system, and to process refunds based on the refund information. Specifically, if the refund information corresponds to an unsettled and deducted credit limit, the corresponding credit limit will be automatically released; if the refund information corresponds to a settled fee, the fee will be refunded to the original payment method.

[0028] The application method of credit-based healthcare includes the following steps: A. The patient obtains user information from the hospital information system through the registration and login submodule, randomly generates a credit medical treatment ID, accurately matches the credit medical treatment ID with the user information, and stores the identity verification information uploaded by the user; the registration submodule automatically identifies the patient through facial or fingerprint recognition. Then, the credit granting submodule submits a credit limit application to the bank, and the bank provides feedback on the credit review results and credit limit status to the user. If the user cannot obtain credit, the binding instruction is transmitted to the payment binding submodule. The payment binding submodule connects with the bank system according to the binding instruction selected by the user or transmitted by the credit granting submodule, based on the payment agent information filled in by the user. The bank system then notifies the payment agent to set up a family account for the user and bind the credit account to the user. B. Based on the user's selection, the registration information acquisition submodule is activated to continuously read the user's registration information in the hospital information system and return the query results; or the registration application submodule is activated to apply for registration in the hospital information system. After the hospital information system completes the registration processing, the registration result is returned to the registration application submodule, which then returns the registration result. After a user successfully registers, the credit limit activation submodule checks whether the user's credit limit is activated. If it is not activated, an activation application is pushed to the bank system, which then activates the user's credit limit. If the user has no credit limit, their family account limit is activated. C. Based on the instructions entered by the doctor, the credit registration submodule deducts the user's registration fee from their credit limit, consuming their credit limit, and notifies the user; when the credit limit is insufficient, it transmits instructions to the fee settlement module. When a user's outpatient visit ends, the credit-based medical treatment submodule automatically confirms the medical orders and expense details, calculates the credit limit to be used, automatically uses the user's credit limit, and notifies the user; when the credit limit is insufficient, it transmits instructions to the expense settlement module. When settling hospitalization expenses and discharge settlement, the credit hospitalization submodule uses the user's credit limit based on the user's incurred hospitalization expenses or outstanding payments upon discharge, and notifies the user; when the credit limit is insufficient, it transmits instructions to the expense settlement module. During outpatient and inpatient medical activities, the credit registration submodule, credit medical treatment submodule, and credit hospitalization submodule first transmit instructions to the treatment comparison submodule. The treatment comparison submodule automatically obtains benchmark data from the hospital information system to compare the execution and confirmation of various treatment information. After confirming that the hospital service or drug consumption has actually occurred, it transmits instructions back to the corresponding submodule for further processing. D. When settling outpatient expenses, the outpatient settlement submodule, depending on the user's selection, obtains settlement information from the medical insurance system through the hospital information system, or directly transfers it to a third-party payment platform and bank system for expense settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and then sends the settled list to the user. At fixed times each day, the inpatient expense settlement submodule compares the user's credit limit with the actual expenses. If the expenses exceed the credit limit, the inpatient expense settlement submodule will, depending on the user's choice, obtain settlement information from the medical insurance system through the hospital information system, or directly transfer the expense to a third-party payment platform and bank system for settlement, or directly settle through the medical insurance system and transfer it to the credit limit release module to release the credit limit. Then, the settled list will be sent to the user. The discharge settlement submodule determines whether the patient needs to be discharged the next day based on the discharge pre-settlement information pushed by the hospital information system or by automatically querying the user's treatment information at fixed time points each day. If it is determined that the patient needs to be discharged the next day, the discharge settlement submodule obtains the settlement information from the medical insurance system from the hospital information system, or directly transfers it to a third-party payment platform and bank system for fee settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and finally feeds back the settlement data list to the user. If the user's discharge time is longer than the set time and the user has not completed the settlement, the information on the used credit limit is sent to the bank system and the user is notified. Based on the user's selected payment instruction, the third-party payment sub-module initiates a third-party payment request to the holder of the bound family account, and the family account makes the payment. After the payment is completed, a settlement data list is returned to the user. If the user has a credit limit, the process is transferred to the credit limit release module to release the credit limit. If the user does not have a credit limit, the process is transferred to the credit limit release module to release the credit limit of their family account. E. Based on the settlement information sent by the fee settlement module, the release instruction recognition submodule makes a judgment. If the fee is completely settled, the full release submodule releases all the occupied credit limit and notifies the user. If the fee is partially settled, the partial release submodule releases the settled portion of the credit limit and notifies the user. F. When the user's credit limit release time exceeds the period stipulated by the bank, the credit rating feedback submodule will notify the user of the default behavior. G. If a refund is required, enter the refund information in the refund module, or query the hospital information system for refund information in the refund module. The refund will be processed according to the refund information. Specifically: if the refund information corresponds to an unsettled deducted credit limit, the corresponding credit limit will be automatically released; if the refund information corresponds to a settled fee, the fee will be refunded to the original payment method.

Claims

1. A clinic-based credit-based medical application system, comprising a registration and credit granting module, a user registration module, a credit-based medical treatment module, a payment settlement module, and a credit limit release module, characterized in that: The in-clinic credit-based medical application system is integrated with hospital information systems, banking systems, medical insurance systems, and third-party payment platforms. The registration and credit granting module is used for patients to register credit accounts, and through connection with the banking system, the banking system grants registrants a credit medical limit through password-free payment and authorized payment methods; The user registration module is used to register users for registration and share registration information with the hospital information system; or to obtain the user's registration information from the hospital information system. The aforementioned credit-based medical treatment module is used for credit calculation of users' in-clinic medical treatment, including the activation and deduction of credit limits for outpatient registration fees, outpatient treatment fees, and inpatient expenses without password. The aforementioned fee settlement module is used for users to settle accounts after their diagnosis based on the deducted credit limit, according to the medical insurance settlement or self-pay settlement method. After the settlement is completed, the settlement information is sent to the credit limit release module. The credit limit release module is used to determine the settlement status based on the settlement information. After confirming successful settlement, it releases the deducted credit limit and feeds back the credit limit release information to the bank system.

2. The in-clinic credit-based medical application system as described in claim 1, characterized in that: It also includes a refund module, which is used to input refund information or query and obtain refund information from the hospital information system, and to process refunds based on the refund information. Specifically, if the refund information corresponds to an unsettled and deducted credit limit, the corresponding credit limit will be automatically released; if the refund information corresponds to a settled fee, the fee will be refunded to the original payment method.

3. The in-clinic credit-based medical application system as described in claim 1, characterized in that: The registration and credit authorization module includes a registration and login submodule, a credit authorization submodule, and a payment binding submodule; The registration and login submodule is used to obtain user information from the hospital information system or medical insurance system, randomly generate a credit medical treatment ID, accurately match the credit medical treatment ID with the user information, and store the identity verification information uploaded by the user; the registration submodule automatically identifies the patient through face or fingerprint recognition. The credit granting submodule submits a credit limit application to the bank, and the bank provides feedback on the credit review results and credit limit status to the user; if the user cannot obtain credit, the binding instruction is transmitted to the payment binding submodule. The payment binding submodule is used to connect with the bank system according to the user's selection or the binding instruction transmitted by the credit submodule, based on the payment agent information filled in by the user. The bank system then notifies the payment agent to set up a family account for the user and bind the credit account to the user.

4. The in-clinic credit-based medical application system as described in claim 3, characterized in that: The user registration module includes a registration information acquisition submodule, a registration application submodule, and a quota activation submodule; The registration information retrieval submodule is activated based on the user's selection, continuously reads the user's registration information in the hospital information system, and returns the query results; The registration application submodule is activated according to the user's selection, and applies for registration from the hospital information system. After the hospital information system completes the registration process, it returns the registration result to the registration application submodule, which then provides feedback on the registration result. The credit limit activation submodule checks whether a user's credit limit is activated after successful registration. If it is not activated, an activation application is pushed to the bank system, which then activates the user's credit limit. If the user has no credit limit, their family account limit is activated.

5. The in-clinic credit-based medical application system as described in claim 1, characterized in that: The credit-based medical treatment module includes a credit-based registration sub-module, a credit-based outpatient treatment sub-module, and a credit-based hospitalization sub-module; The credit registration submodule is used when a user visits an outpatient clinic. Based on the instructions entered by the doctor, it deducts the registration fee from the user's credit limit, occupies the credit limit, and notifies the user. When the credit limit is insufficient, it transmits instructions to the fee settlement module. The credit-based medical treatment submodule is used to automatically confirm the doctor's orders and expense details when the user's outpatient visit ends, calculate the credit limit to be used, automatically use the user's credit limit, and notify the user. When the credit limit is insufficient, the instruction is transmitted to the fee settlement module; The aforementioned credit-based hospitalization submodule is used for settling user expenses during hospitalization and upon discharge. Based on the user's incurred hospitalization expenses or outstanding payments upon discharge, it allocates the user's credit limit and notifies the user. When the credit limit is insufficient, it transmits instructions to the expense settlement module.

6. The in-clinic credit-based medical application system as described in claim 5, characterized in that: The credit-based medical treatment module also includes a treatment comparison submodule. During outpatient and inpatient medical treatment activities, the credit registration submodule, credit treatment submodule, and credit hospitalization submodule first transmit instructions to the treatment comparison submodule. The treatment comparison submodule automatically obtains benchmark data from the hospital information system to compare the execution and confirmation of various treatment information. After confirming that the hospital service or drug consumption has actually occurred, it transmits instructions back to the corresponding submodule for subsequent processing.

7. The in-clinic credit medical application system as described in claim 3, characterized in that: The fee settlement module includes an outpatient settlement submodule, an inpatient fee settlement submodule, a discharge settlement submodule, and a third-party payment submodule; The outpatient settlement submodule, according to the user's selection, obtains settlement information from the medical insurance system through the hospital information system, or directly transfers it to a third-party payment platform and bank system for fee settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and then sends the settled list to the user; The inpatient expense settlement submodule compares the user's credit limit with the actual expenses at a fixed time every day. If the expenses exceed the credit limit, the inpatient expense settlement submodule will, according to the user's choice, obtain settlement information from the medical insurance system through the hospital information system, or directly transfer the expense to a third-party payment platform and bank system for settlement, or directly settle through the medical insurance system and transfer it to the credit limit release module to release the credit limit, and then send the settled list to the user. The discharge settlement submodule determines whether the patient needs to be discharged the next day based on the discharge pre-settlement information pushed by the hospital information system or by automatically querying the user's treatment information at fixed daily time nodes. If it is determined that the patient needs to be discharged the next day, the discharge settlement submodule obtains the medical insurance system settlement information from the hospital information system, or directly transfers it to a third-party payment platform and bank system for fee settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and finally feeds back the settlement data list to the user. If the user's discharge time is longer than the set time and the user has not completed the settlement, the information on the used credit limit is sent to the bank system and the user is notified. The third-party payment submodule initiates a third-party payment request to the holder of the bound family account based on the user's selected payment instruction. The family account then makes the payment. After the payment is completed, a settlement data list is sent back to the user. If the user has a credit limit, the system will transfer the credit limit to the credit limit release module to release it. If the user does not have a credit limit, the system will transfer the credit limit to the family account to release it.

8. The in-clinic credit-based medical application system as described in claim 1, characterized in that: The credit limit release module includes a release instruction recognition submodule, a full credit limit release submodule, and a partial credit limit release submodule; The release instruction recognition submodule judges the settlement information sent by the fee settlement module. If the fee is completely settled, it releases all the occupied credit limit through the credit limit complete release submodule and notifies the user. If the fee is partially settled, it releases the settled portion of the credit limit through the credit limit partial release submodule and notifies the user. Preferably, it also includes a credit rating feedback submodule, which is used to notify the user of a default when the user's credit limit release time exceeds the period stipulated by the bank.

9. A method for applying credit-based healthcare, characterized in that, Includes the following steps: A. Patients register through the registration and credit granting module. During registration, the system connects with the banking system, which then grants the registrant a credit medical limit through contactless payment and authorized payment methods. B. Registered users can register through the registration module and share the registration information with the hospital information system, or directly obtain the user's registration information from the hospital information system through the registration module. C. Credit calculation for users' in-clinic visits, including outpatient registration fees, outpatient treatment costs, and inpatient expenses, with credit limits activated and deducted without password through the credit medical treatment module; D. The fee settlement module settles the bill based on the credit limit deducted from the user after the consultation, according to the medical insurance settlement or self-pay settlement method. After the settlement is completed, the settlement information is sent to the credit limit release module. E. The credit limit release module makes a judgment based on the settlement information. After confirming that the settlement is successful, it releases the deducted credit limit and feeds back the credit limit release information to the bank system. F. When the user's credit limit release time exceeds the period stipulated by the bank, the credit rating feedback submodule will notify the user of the default behavior. G. If a refund is required, enter the refund information in the refund module, or query the hospital information system for refund information in the refund module. The refund will be processed according to the refund information. Specifically: if the refund information corresponds to an unsettled deducted credit limit, the corresponding credit limit will be automatically released; if the refund information corresponds to a settled fee, the fee will be refunded to the original payment method.

10. A method for applying credit-based healthcare, characterized in that, Includes the following steps: A. The patient obtains user information from the hospital information system through the registration and login submodule, randomly generates a credit medical treatment ID, accurately matches the credit medical treatment ID with the user information, and stores the identity verification information uploaded by the user; the registration submodule automatically identifies the patient through facial or fingerprint recognition. Then, the credit granting submodule submits a credit limit application to the bank, and the bank provides feedback on the credit review results and credit limit status to the user. If the user cannot obtain credit, the binding instruction is transmitted to the payment binding submodule. The payment binding submodule connects with the bank system according to the binding instruction selected by the user or transmitted by the credit granting submodule, based on the payment agent information filled in by the user. The bank system then notifies the payment agent to set up a family account for the user and bind the credit account to the user. B. Based on the user's selection, the registration information acquisition submodule is activated to continuously read the user's registration information in the hospital information system and return the query results; or the registration application submodule is activated to apply for registration in the hospital information system. After the hospital information system completes the registration processing, the registration result is returned to the registration application submodule, which then returns the registration result. After a user successfully registers, the credit limit activation submodule checks whether the user's credit limit is activated. If it is not activated, an activation application is pushed to the bank system, which then activates the user's credit limit. If the user has no credit limit, their family account limit is activated. C. Based on the instructions entered by the doctor, the credit registration submodule deducts the user's registration fee from their credit limit, consuming their credit limit, and notifies the user; when the credit limit is insufficient, it transmits instructions to the fee settlement module. When a user's outpatient visit ends, the credit-based medical treatment submodule automatically confirms the medical orders and expense details, calculates the credit limit to be used, automatically uses the user's credit limit, and notifies the user. When the credit limit is insufficient, the instruction is transmitted to the fee settlement module; When settling hospitalization expenses and discharge settlement, the credit hospitalization submodule will use the user's credit limit based on the user's hospitalization expenses or outstanding fees upon discharge, and notify the user. When the credit limit is insufficient, the instruction is transmitted to the fee settlement module; During outpatient and inpatient medical activities, the credit registration submodule, credit medical treatment submodule, and credit hospitalization submodule first transmit instructions to the treatment comparison submodule. The treatment comparison submodule automatically obtains benchmark data from the hospital information system to compare the execution and confirmation of various treatment information. After confirming that the hospital service or drug consumption has actually occurred, it transmits instructions back to the corresponding submodule for further processing. D. When settling outpatient expenses, the outpatient settlement submodule, depending on the user's selection, obtains settlement information from the medical insurance system through the hospital information system, or directly transfers it to a third-party payment platform and bank system for expense settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and then sends the settled list to the user. At fixed times each day, the inpatient expense settlement submodule compares the user's credit limit with the actual expenses. If the expenses exceed the credit limit, the inpatient expense settlement submodule will, depending on the user's choice, obtain settlement information from the medical insurance system through the hospital information system, or directly transfer the expense to a third-party payment platform and bank system for settlement, or directly settle through the medical insurance system and transfer it to the credit limit release module to release the credit limit. Then, the settled list will be sent to the user. The discharge settlement submodule determines whether the patient needs to be discharged the next day based on the discharge pre-settlement information pushed by the hospital information system or by automatically querying the user's treatment information at fixed time points each day. If it is determined that the patient needs to be discharged the next day, the discharge settlement submodule obtains the settlement information from the medical insurance system from the hospital information system, or directly transfers it to a third-party payment platform and bank system for fee settlement, or directly settles through the medical insurance system and transfers it to the credit limit release module to release the credit limit, and finally feeds back the settlement data list to the user. If the user's discharge time is longer than the set time and the user has not completed the settlement, the information on the used credit limit is sent to the bank system and the user is notified. Based on the user's selected payment instruction, the third-party payment sub-module initiates a third-party payment request to the holder of the bound family account, and the family account makes the payment. After the payment is completed, a settlement data list is returned to the user. If the user has a credit limit, the process is transferred to the credit limit release module to release the credit limit. If the user does not have a credit limit, the process is transferred to the credit limit release module to release the credit limit of their family account. E. Based on the settlement information sent by the fee settlement module, the release instruction recognition submodule makes a judgment. If the fee is completely settled, the full release submodule releases all the occupied credit limit and notifies the user. If the fee is partially settled, the partial release submodule releases the settled portion of the credit limit and notifies the user. F. When the user's credit limit release time exceeds the period stipulated by the bank, the credit rating feedback submodule will notify the user of the default behavior. G. If a refund is required, enter the refund information in the refund module, or query the hospital information system for refund information in the refund module. The refund will be processed according to the refund information. Specifically: if the refund information corresponds to an unsettled deducted credit limit, the corresponding credit limit will be automatically released; if the refund information corresponds to a settled fee, the fee will be refunded to the original payment method.