Medical expense payment support device and program

Abstract

To allow anyone to execute cashless settlement in a medical institution.SOLUTION: A medical expense payment support device comprises: a processor; and an interface that allows communication, through a network, between a computer in a medical institution, and a computer in a my number management mechanism that manages my number information of a user who uses the medical institution linked to user account information specifying an account in a financial institution used by the user. When receiving use charge information of the user who uses the medical institution and the my number information of the user from the computer in the medial institution, the processor calculates the amount billed that is paid by the user on their own expense in a cashless form on the basis of the use charge information, and transmits, to the computer in the my number management mechanism, individual billing information including the my number information, the calculated amount billed, and transfer destination account information indicating a transfer destination of the amount billed.SELECTED DRAWING: Figure 6

Description

Technical Field

[0001] Embodiments of the present invention relate to a medical expense payment support device and a program.

Background Art

[0002] A hospital information management system that handles a series of processes from a patient's visit to receiving medical treatment and performing accounting processing through computer data processing and automates the settlement process is widely used.

[0003] There is also a cashless settlement hospital settlement system that eliminates payment and settlement at the hospital counter and collects the claim amount, which is the patient's out-of-pocket expense, by salary deduction.

[0004] However, in the salary deduction system, only salary recipients can be dealt with, and it cannot be applied to the elderly who use hospitals frequently.

[0005] In recent years, as a national policy, there is an idea to link the My Number to the public fund receiving account so that benefits can be paid quickly. Furthermore, it has been decided to abolish the health insurance card used in medical institutions and replace it with a My Number card with the My Number described on it.

Summary of the Invention

Problems to be Solved by the Invention

[0006] The problem to be solved by the embodiments of the present invention is to provide a medical expense payment support device and a program that enable anyone to perform cashless settlement at a medical institution.

Means for Solving the Problems

[0007] In one embodiment, the medical expense payment support device includes a processor and an interface. The interface communicates via a network with a computer of a medical institution and a computer of a My Number management organization that manages the My Number information of a user associated with user account information that identifies the account of a financial institution used by a user who uses the medical institution. When the processor receives, via the interface, billing information including the usage fee information of a user who has used the medical institution and the My Number information of the user from the computer of the medical institution, the processor calculates the amount of the claim for the out-of-pocket payment made by the user cashlessly based on the usage fee information in the billing information. Then, the processor transmits, via the interface, personal billing information including the My Number information in the billing information, the calculated claim amount, and transfer destination account information indicating the transfer destination of the claim amount, to the computer of the My Number management organization.

Brief Description of the Drawings

[0008]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Figure 12

MODE FOR CARRYING OUT THE INVENTION

[0009] Hereinafter, embodiments of the settlement device will be described with reference to the drawings.

[0010] [First Embodiment] FIG. 1 is a schematic configuration diagram showing a medical expense payment support system including a public medical insurance institution server 1 to which the medical expense payment device according to the first embodiment is applied. This medical expense payment support system includes a public medical insurance institution server 1, a medical institution computer 2, a My Number management institution computer 3, a financial institution computer 4, and a user terminal 5, each of which is connected to a communication network NW such as the Internet. In FIG. 1, only one medical institution computer 2, financial institution computer 4, and user terminal 5 are shown, but the medical expense payment support system can include a plurality of each of them. Also, there may be a plurality of public medical insurance institution servers 1 to which the medical expense payment device according to the first embodiment is applied.

[0011] The public medical insurance institution server 1 is a server computer operated by a public medical insurance institution. A public medical insurance institution is an institution that provides public medical insurance for users who use hospitals. Public medical insurance includes employee insurance, national health insurance, and the medical system for the elderly. Employee insurance includes union-managed health insurance, national health insurance association-managed health insurance (kyokai kenpo), seafarers' insurance, and mutual aid associations. The public medical insurance institution server 1 manages information about users who are subscribers to self-insurance. Details of this public medical insurance institution server 1 will be described later.

[0012] The medical institution computer 2 is a computer used by a medical institution. That is, the medical institution computer 2 is an example of a medical institution's computer. In this specification, medical institutions include hospitals and insurance dispensing pharmacies, and hospitals include clinics. The medical institution computer 2 manages information about users who are patients using its own hospital and calculates medical treatment costs related to medical treatment. Alternatively, the medical institution computer 2 manages information about users who use its own insurance dispensing pharmacy and calculates the cost of the dispensed medicine. The medical institution computer 2 transmits usage fee information indicating the user's usage fees, such as the calculated medical treatment costs and medicine costs, to the public medical insurance institution server 1 via the communication network NW. That is, it bills the public medical insurance institution for the user's usage fees.

[0013] The my number management institution computer 3 is a computer used by a my number management institution. A my number management institution is a public institution that manages the my number assigned to each individual in the country and the bank account for receiving public funds associated with it. That is, the my number management institution computer 3 manages user account information such as account numbers that identify the bank account of the individual in association with the my number information about the my number. In this way, the my number management institution computer 3 is an example of a computer of a my number management institution that manages the my number information of a user associated with the user account information that identifies the bank account used by the user who uses a medical institution.

[0014] The financial institution computer 4 is a computer used by a financial institution. Financial institutions include banks, credit unions, and post offices. The financial institution computer 4 manages account information such as deposits and withdrawals to the accounts of each user opened at its own financial institution.

[0015] The user terminal 5 is an information processing device such as a personal computer or a smartphone used by a user who is an enrollee in public medical insurance.

[0016] Figure 2 is a block diagram showing an example of the configuration of the public medical insurance institution server 1. The public medical insurance institution server 1 includes a processor 11, a main memory 12, a storage device 13, a communication interface 14, and a system bus 15. The system bus 15 includes an address bus, a data bus, control signal lines, and the like. The system bus 15 connects the processor 11 to the other parts directly or via signal input / output circuits, and transmits data signals exchanged therebetween. The computer of the public medical insurance institution server 1 is configured by connecting the processor 11, the main memory 12, and the storage device 13 via the system bus 15.

[0017] The processor 11 corresponds to the central part of the above computer. The processor 11 controls each part in order to realize various functions as the public medical insurance institution server 1 according to an operating system or a control program. The processor 11 is, for example, a CPU (Central Processing Unit). The processor 11 may be a multi-core / multi-thread one and can execute a plurality of processes in parallel.

[0018] The main memory 12 corresponds to the main storage part of the above computer. The main memory 12 includes a non-volatile memory area and a volatile memory area. The main memory 12 stores an operating system or a control program in the non-volatile memory area. The main memory 12 may store data necessary for the processor 11 to execute processes for controlling each part in either the non-volatile or volatile memory area.

[0019] The storage device 13 corresponds to the auxiliary storage part of the computer. For example, an EEPROM (Electric Erasable Programmable Read-Only Memory), an HDD (Hard Disc Drive), or an SSD (Solid State Drive) etc. can be the storage device 13. The storage device 13 stores data used when the processor 11 performs various processes, data created by the processes in the processor 11, etc. The storage device 13 may store the above control program.

[0020] The communication interface 14 performs data communication with external devices connected via the communication network NW according to a preset communication protocol. The external devices are, for example, a medical institution computer 2, a My Number administrative institution computer 3, a financial institution computer 4, a user terminal 5, etc. The communication interface 14 is an example of an interface for communicating with the My Number administrative institution computer 3 that manages the user's My Number information associated with the user account information that identifies the account of the financial institution used by the user who uses the medical institution via the communication network NW and the medical institution computer 2.

[0021] The public medical insurance institution server 1 includes a user information database 131, a medical institution information database 132, and a payment information database 133 in the storage device 13. Further, the storage device 13 stores the public medical insurance institution account information 134.

[0022] FIG. 3 is a schematic diagram showing an example of the configuration of record 1311 in user information database 131. User information database 131 stores data regarding each user who is a subscriber to self-insurance. User information database 131 stores data for each item such as "user ID", "My Number", "name", "contact information", etc. with one user as one record 1311. In the "user ID", a user ID which is unique identification information set for each subscriber to individually identify each subscriber is registered. In the "My Number", My Number information indicating the subscriber's My Number is registered. In the "name", name information indicating the subscriber's name is registered. In the "contact information", contact information indicating the subscriber's contact information is registered. The contact information includes information such as the email address of the email that can be used by user terminal 5 used by the subscriber, and the phone number of user terminal 5 which is the destination of the short message in addition to the information of the subscriber's address and phone number. The contact information is an example of notification destination information indicating the notification destination to the user associated with the user's My Number information. Therefore, user information database 131 stores notification destination information, and storage device 13 is an example of a memory including user information database 131 that stores this notification destination information.

[0023] FIG. 4 is a schematic diagram showing an example of the configuration of a record 1321 in the medical institution information database 132. The medical institution information database 132 stores data regarding each medical institution. The medical institution information database 132 stores data for items such as, for example, "medical institution ID", "institution name", "account information", "contact information", etc., with one medical institution being one record 1321. In the "medical institution ID", unique identification information set for each medical institution is registered to individually identify each medical institution. The medical institution ID is an example of identification information for specifying a medical institution. In the "institution name", name information indicating the name of the medical institution is registered. In the "account information", medical institution account information including the institution name and code of the financial institution used by the medical institution, the branch name and code, the account number, the account name, etc. is registered. Thus, the medical institution account information is information for specifying the account of the financial institution used by the medical institution. In the "contact information", contact information indicating the contact information of the medical institution is registered. The contact information includes information such as the email address of the email that can be used by the medical institution computer 2 in addition to the information on the address and phone number of the medical institution. Thus, the medical institution information database 132 stores the medical institution account information for specifying the account of the financial institution used by the medical institution in association with the identification information for specifying the medical institution, and the storage device 13 is an example of a memory including such a medical institution information database 132.

[0024] FIG. 5 is a schematic diagram showing an example of the configuration of record 1331 in payment information database 133. The payment information database 133 stores data for each item such as "My Number", "Medical Institution ID", "Payment Number", "Date", "Amount Information", and status, with each claim for the user's usage fee sent from the medical institution computer 2 being regarded as one record 1331. The "My Number" is as described in the user information database 131, and the "Medical Institution ID" is as described in the medical institution information database 132. The "Payment Number" is registered with a payment number, which is unique identification information set by the medical institution for each claim for the usage fee to individually identify each claim. The "Date" is registered with information on the date and time when the claim for the usage fee was received. The "Amount Information" is registered with amount information indicating the claim amount from the medical institution. The "Status" is registered with flag information indicating the situation regarding the claim from the medical institution. Thus, the payment information database 133 stores medical expense information, and the storage device 13 is an example of a memory including the payment information database 133 that stores this medical expense information. The payment number is an example of identification information in the medical expense information.

[0025] The bill for usage fees sent from the medical institution computer 2 includes the medical institution ID as the information of the biller, the My Number as the information of the user, the payment number for identifying the bill, and the actual bill amount. The processor 11 of the public medical insurance institution server 1 extracts the medical institution ID, My Number, payment number, and bill amount from the received bill for usage fees, and stores them as data in the items of "Medical Institution ID", "My Number", "Payment Number", and "Amount Information" in the medical institution information database 132. Note that the amount billed by the medical institution is the sum of the insurance payment portion paid by the public medical insurance institution and the out-of-pocket portion paid by the user to the medical institution without using cash. Therefore, the processor 11 calculates the insurance payment portion and the out-of-pocket portion from the bill amount, and stores them respectively as data in the item of "Amount Information" in the medical institution information database 132. Then, the processor 11 requests the financial institution to pay the out-of-pocket portion of the fee from the user's financial institution account to the medical institution. However, the public medical insurance institution server 1 does not manage the account information of the insured's financial institution. Therefore, instead of requesting the financial institution computer 4 to make the payment, the processor 11 executes a process of requesting the My Number management institution that manages the account information of each individual to request the financial institution to pay the out-of-pocket portion of the fee. The details of this request process will be described later. The flag information stored in the "Status" item in the record 1331 of the payment information database 133 is information for determining whether or not the request has been made to the My Number management institution. For example, if the flag is "0", it means not requested, and if it is "1", it means requested. Furthermore, if the flag is 2 bits, it may be set so that if the flag is "00", it means not requested, if it is "01", it means requested, and if it is "10", it means paid.

[0026] The public medical insurance institution account information 134 is account information including information such as the institution name and code of the financial institution, the branch name and code, the account number, and the account name for the institution's own accounts such as the account of the financial institution where the public health insurance funds are accumulated and the account prepared for payment. In addition, the public medical insurance institution account information 134 can include the contact information of the public medical insurance institution server 1.

[0027] Next, the operation of the public medical insurance institution server 1 to which the medical expense payment support device according to this embodiment of such a configuration is applied and the medical expense payment support system including the same will be described. Prior to this, it is assumed that information about each subscriber is stored in the user information database 13 of the public medical insurance institution server 1 and information about each medical institution is already stored in the medical institution information database 132. That is, the description of the operation related to the registration of this information will be omitted. Also, it is assumed that prior consent has been obtained from each subscriber of the public medical insurance to debit the personal burden portion of the medical expenses from their account at their financial institution. Hereinafter, the case where the medical institution is a hospital will be described as an example.

[0028] FIG. 6 is a sequence diagram showing an overview of the operation of the medical expense payment support system.

[0029] A user who is a patient receiving medical treatment at a hospital operates the My Number card reader installed in the hospital, and the medical institution computer 2 connected to the My Number card reader acquires the My Number information read from the My Number card. When the medical treatment by the doctor is completed, the doctor inputs the user's medical treatment information into the medical institution computer 2, and the medical institution computer 2 acquires this input medical treatment information. The user leaves the hospital without paying the out-of-pocket portion of the medical expenses. The medical institution computer 2 performs a medical expense calculation process (step S1) for calculating the claim amount of the current medical expenses for the user based on the acquired medical treatment information. The claim amount of the medical expenses calculated here is the sum of the amount of the out-of-pocket portion that the user pays without using cash and the amount of the insurance payment portion paid by the public medical insurance other than this out-of-pocket portion.

[0030] When the claim amount of the current medical treatment expenses is calculated, the medical institution computer 2 transmits the medical treatment expense information including the claim amount to the public medical insurance institution server 1 via the communication network NW (step S2). Note that at any point before this transmission, the medical institution computer 2 can obtain the public medical insurance institution to which the user subscribes by making an inquiry to the my number management institution computer 3 based on the acquired my number information, and identify the public medical insurance institution server 1 as the transmission destination. The medical treatment expense information to be transmitted to the public medical insurance institution server 1 can include, in addition to the claim amount of the medical treatment expenses, the medical institution ID which is the identification information of the hospital, the my number information of the patient, and the payment number for identifying the claim. The claim amount of the medical treatment expenses is an example of the usage fee information of the user who uses the medical institution. The medical treatment expense information is an example of the claim information including the usage fee information of the user who uses the medical institution and the my number information of the user.

[0031] When the processor 11 of the public medical insurance institution server 1 receives the medical treatment expense information transmitted from the medical institution computer 2, it executes the payment / claim amount calculation process (step S3). This payment / claim amount calculation process is a process of calculating the payment amount that the public medical institution pays to the medical institution as the claimant based on the claim amount of the medical treatment expenses included in the received medical treatment expense information, and the amount of the out-of-pocket expense that the user, who is the subscriber identified by the my number information, pays without using cash, that is, the claim amount to be claimed from the user.

[0032] Once each amount has been calculated, the processor 11 of the public medical insurance institution server 1 transmits individual claim information including the calculated claim amount to the My Number management agency computer 3 via the communication network NW (step S4). The individual claim information includes, in addition to the claim amount, My Number information and transfer destination information. The My Number information is the My Number information included in the received medical expense information. The transfer destination information is the medical institution account information for the medical institution that uses the medical institution computer 2 which is the transmission source of the medical expense information. Specifically, based on the medical institution ID included in the medical expense information, the processor 11 acquires the account information and contact information of the medical institution that is the claimant from the medical institution information database 132, and incorporates them as transfer destination information into the individual claim information. Also, the processor 11 incorporates a payment number for specifying the claim into this individual claim information. The transfer destination information is an example of transfer destination account information indicating the transfer destination of the claim amount.

[0033] When the My Number management agency computer 3 receives the individual claim information transmitted from the public medical insurance institution server 1, it executes account search processing based on the My Number information included in the received individual claim information (step S5). Specifically, the My Number management agency computer 3 searches the My Number information managed by the My Number management agency computer 3 itself using the received My Number information, and identifies the financial institution associated therewith.

[0034] Then, the My Number management agency computer 3 transmits transfer information to the identified financial institution via the communication network NW (step S6). The My Number management agency computer 3 includes in this transfer information the transfer destination information included in the received individual claim information and the claim amount as the transfer amount.

[0035] Upon receiving the transfer information, the financial institution computer 4 executes a transfer process based on the transfer destination information and the transfer amount included in the transfer information (step S7). As a result, the out-of-pocket medical expenses of the user who visited the medical institution as a patient are deducted from the account of the financial institution used by the user, and the deducted amount is deposited into the account of the financial institution used by the medical institution visited by the user.

[0036] After this transfer process is completed, the financial institution computer 4 sends a transfer notification to the medical institution computer 2 used by the transfer destination medical institution via the communication network NW (step S8). Specifically, the financial institution computer 4 sends a transfer notification to the electronic mail address available to the medical institution computer 2, which is described as the contact information of the medical institution in the transfer destination information included in the received transfer information. The transfer notification includes at least a payment number and an amount.

[0037] Furthermore, the financial institution computer 4 sends a completion notification to the My Number management institution computer 3, which is the sender of the transfer information (step S9).

[0038] Upon receiving this completion notification, the My Number management institution computer 3 sends the completion notification sent from the financial institution computer 4 to the public medical insurance institution server 1, which is the sender of the individual claim information. Therefore, the completion notification sent from the My Number management institution computer 3 to the public medical insurance institution server 1 is an example of a completion notification indicating that the transfer of the claim amount to the account of the financial institution indicated by the medical institution account information has been completed. The completion notification can include the My Number information, payment number, claim amount, and transfer destination information included in the individual claim information sent from the public medical insurance institution server 1 to the My Number management institution computer 3, and includes at least the My Number information or the payment number.

[0039] Upon receiving this completion notice, the processor 11 of the public medical insurance institution server 1 executes payment processing for the payment amount that the remaining public medical institution pays to the billing medical institution, excluding the amount of the user's out-of-pocket expense (step S11). For example, the processor 11 uses so-called net banking to transfer the payment amount from its own account indicated by the public medical insurance institution account information 134 to the account of the financial institution used by the medical institution of the medical institution computer 2, which is the sender of the medical expense information. Alternatively, the processor 11 requests the financial institution computer 4 of the financial institution used by the public medical insurance institution to transfer the payment amount from its own account to the account of the financial institution used by the corresponding medical institution. The financial institution computer of this destination financial institution may be the same as or different from the financial institution computer 4 that requests the transfer of the out-of-pocket portion of the medical expenses.

[0040] Then, the processor 11 of the public medical insurance institution server 1 transmits payment information indicating that the payment has been completed to the billing medical institution computer 2 (step S12). Note that when the processor 11 requests the financial institution computer of the financial institution to transfer the payment amount, the transmission of this payment information shall be performed after waiting for the transfer completion notice from the financial institution computer.

[0041] In addition, the processor 11 of the public medical insurance institution server 1 transmits debit information to notify the user terminal 5 via the communication network NW that the out-of-pocket portion of the medical expenses has been debited from the account of the financial institution used by the user (step S13). The processor 11 of the public medical insurance institution server 1 can obtain the destination of this debit information by reading out the contact information associated with the my number information in the user information database 131. In this way, the processor 11 notifies the read contact via the communication interface 14 that the transfer of the out-of-pocket claim amount that the user pays to the medical institution without cash has been completed.

[0042] The user terminal 5 that has received the debit information can present it to the user of the user terminal 5, who is an enrollee in public medical insurance using a medical institution (step S14).

[0043] Next, a specific example of the operation of the public medical insurance institution server 1 to which the medical expense payment support device according to the first embodiment is applied will be described. FIG. 7 is a flowchart showing the main procedure of the information processing executed by the processor 11 of the public medical insurance institution server 1. The processor 11 executes this process based on a control program stored in the main memory 12, for example, when the operation of the public medical insurance institution server 1 is started by turning on the power. Also, the procedure shown in FIG. 7 is an example. The procedure is not particularly limited as long as the same result can be obtained.

[0044] As ACT101, the processor 11 determines, via the communication interface 14, whether it has received the medical expense information transmitted from any medical institution computer 2 via the communication network NW. If the medical expense information has been received, the processor 11 determines YES in ACT101 and proceeds to ACT103. If the medical expense information has not been received, the processor 11 determines NO in ACT101 and proceeds to ACT102.

[0045] As ACT102, the processor 11 determines, via the communication interface 14, whether it has received the completion notice transmitted from the My Number management organization computer 3 via the communication network NW. If the completion notice has been received, the processor 11 determines YES in ACT102 and proceeds to ACT108. If the completion notice has not been received, the processor 11 determines NO in ACT102. If the processor 11 determines NO in ACT102, it waits for the reception of the next information.

[0046] In this way, the processor 11 waits to receive medical expense information from any medical institution computer 2 or a completion notice from the My Number management institution computer 3. Note that the information received by the communication interface 14 is temporarily stored in the work area of the main memory 12. The processor 11 interprets the information content temporarily stored in this work area and executes the determinations of ACT101 and ACT102.

[0047] As ACT103, the processor 11 stores the received medical expense information in the payment information database 133. Specifically, the processor 11 newly adds a record 1331 to the payment information database 133. Then, from the received medical expense information temporarily stored in the work area of the main memory 12, the My Number information, medical institution ID, payment number, and the claimed amount of the medical expenses are extracted and written into the respective items of "My Number", "Medical Institution ID", "Payment Number", and "Amount Information" of the added record 1331, that is, data is registered in those items. Also, the processor 11 registers the current date and time in the "Date" item of the added record 1331 and sets "00" in the flag information of the "Status" item.

[0048] As ACT104, the processor 11 calculates the payment / claimed amount. Specifically, the processor 11 reads out the claimed amount of the medical expenses registered in the "Amount Information" of the record 1331 added to the payment information database 133, and based on that amount, calculates the payment amount that the public medical institution pays to the medical institution that is the claimant, and the amount of the user's out-of-pocket expense, that is, the claimed amount that should be billed to the user in a cashless manner, for the subscriber identified by the My Number information. Then, the processor 11 additionally registers the calculated payment amount and claimed amount in the "Amount Information" of the record 1331.

[0049] As ACT105, the processor 11 acquires transfer destination information which is information about the medical institution that is the transmission source of the medical expense information to be transferred. The transfer destination information includes medical institution account information which is the account of the financial institution used by the medical institution, and contact information of the medical institution. Specifically, the processor 11 searches the medical institution information database 132 using the medical institution ID registered in the "medical institution ID" of the record 1331 added to the payment information database 133 as a search key. Then, the processor 11 reads out the medical institution account information registered in "account information" and the contact information registered in "contact" associated with the corresponding medical institution ID from the medical institution information database 132, and temporarily stores them in the work area of the main memory 12. Note that the contact information includes information such as the email address of the email that can be used by the medical institution computer 2 in addition to the address and telephone number information of the medical institution. Also, the medical institution account information includes information such as the institution name and code of the financial institution used by the medical institution, the branch name and code, the account number, the account name, etc.

[0050] As ACT106, the processor 11 creates individual claim information. Specifically, the processor 11 creates individual claim information including the my number information registered in the "my number" of the corresponding record 1331 of the payment information database 133, the payment number registered in the "payment number", the claim amount registered in the "amount information", and the transfer destination information temporarily stored in the work area of the main memory 12, that is, the medical institution account information and the contact information.

[0051] As ACT107, the processor 11 transmits the created individual claim information to the My Number management agency computer 3 via the communication network NW through the communication interface 14. As described above, the individual claim information includes My Number information, payment number, claim amount, and transfer destination information. After that, the processor 11 proceeds to ACT101. At this time, the processor 11 rewrites the flag information stored in the "status" of the corresponding record 1331 in the payment information database 133 from "00" indicating unprocessed to "01" indicating requested. If the processor 11 has completed the processing of ACT107, the processing corresponding to the reception of the current medical expense information is completed, and it waits for the reception of the next information.

[0052] On the other hand, if it is determined in ACT102 that a completion notice sent from the My Number management agency computer 3 has been received, as ACT108, the processor 11 acquires transfer destination information, which is information about the medical institution that is the transmission source of the medical expense information for which the medical expenses are to be transferred. As described above, the individual claim information sent to the My Number management agency computer 3 in the above ACT107 includes My Number information, payment number, claim amount, and transfer destination information. Therefore, the completion notice sent from the My Number management agency computer 3 can include such information, and the processor 11 can acquire it by extracting the transfer destination information from the completion notice received and temporarily stored in the work area of the main memory 12.

[0053] As ACT109, the processor 11 executes payment processing for the payment amount that the remaining public medical institution pays to the medical institution that is the claimant, excluding the amount of the user's out-of-pocket expense. Specifically, the processor 11 transfers the amount of the public medical institution's payment share from its own account indicated by the public medical insurance institution account information 134 to the account of the financial institution used by the medical institution that is the claimant, which is indicated by the medical institution account information included in the transfer destination information temporarily stored in the work area of the main memory 12.

[0054] As ACT110, the processor 11 transmits payment information indicating that the payment has been completed to the medical institution computer 2 of the claimant via the communication network NW by means of the communication interface 14. Regarding the destination of this payment information, the processor 11 can obtain it based on the contact information included in the transfer destination information temporarily stored in the work area of the main memory 12. In this way, the processor 11 notifies, via the communication interface 14, the destination indicated by the read notification destination information that the transfer of the amount of the out-of-pocket payment that the user pays to the medical institution without cash to the medical institution has been completed.

[0055] As ACT111, the processor 11 obtains the contact information of the user who is the subscriber corresponding to the payment of this medical treatment fee. Specifically, the processor 11 extracts the my number information from the received completion notification temporarily stored in the work area of the main memory 12. Alternatively, the payment number is extracted from the completion notification, and based on that, the my number information is specified from the payment information database 133. Then, the processor 11 searches the user information database 131 with this my number information to obtain the contact information registered as the "contact information". The processor 11 temporarily stores this obtained contact information in the work area of the main memory 12.

[0056] As ACT112, the processor 11 transmits debit information to the user terminal 5 of the subscriber via the communication network NW by means of the communication interface 14 based on the contact information temporarily stored in the work area of the main memory 12. This debit information is information notifying that the user has debited the out-of-pocket portion of the medical treatment fee from the account of the financial institution used. If the processor 11 has completed the processing of ACT112, the processing in response to the reception of this completion notification is completed, and it waits for the reception of the next information.

[0057] Although the above has been described by taking the case where the medical institution is a hospital as an example, even if the medical institution is a health insurance dispensing pharmacy, the medical expense payment support system and the public medical insurance institution server 1 can perform the same operations. In this case, it suffices to reinterpret the hospital as a health insurance dispensing pharmacy and the medical expense as the medicine cost.

[0058] As described above, the public medical insurance institution server 1 to which the medical expense payment support device according to the first embodiment is applied includes a processor 11 and, via a communication network NW, a communication interface 14 for communicating with a medical institution computer 2 and a My Number management institution computer 3 that manages the My Number information of a user associated with the user account information that identifies the account of a financial institution used by the user who uses the medical institution. When the processor 11 receives, via the communication interface 14, medical expense information including the usage fee information of the user who has used the medical institution and the My Number information of the user from the medical institution computer 2, based on the usage fee information in the medical expense information, the processor 11 calculates the claim amount of the out-of-pocket portion that the user pays cashlessly, and includes the My Number information in the medical expense information, the calculated claim amount, and transfer destination account information indicating the transfer destination of the claim amount. The personal claim information is transmitted to the My Number management institution computer 3 via the communication interface 14. As described above, according to the public medical insurance institution server 1 in the first embodiment, by using the My Number read from the My Number card that substitutes for the health insurance card used in the medical institution, it is possible to request the My Number management institution computer that manages the association between the My Number and the personal financial institution account to debit the amount of the personal burden portion from the claim amount from the medical institution and transfer the debited amount to the transfer destination. Therefore, elderly people who are not salary earners can perform cashless settlement at medical institutions. In addition, by enabling anyone to perform cashless settlement at medical institutions in this way, the waiting time for settlement at medical institutions is eliminated, and the infection risk within the medical institution can be reduced.

[0059] In addition, the public medical insurance institution server 1 further includes a storage device 13 having a medical institution information database 132 that stores medical institution account information for identifying the account of the financial institution used by the medical institution in association with the medical institution ID. The medical expense information further includes the medical institution ID. When the processor 11 of the public medical insurance institution server 1 receives the medical expense information, it stores the medical expense information in the payment information database 133, and reads the medical institution account information from the medical institution information database 132 based on the payment number, which is the identification information in the medical expense information stored in the payment information database 133, and uses the read medical institution account information as the transfer destination account information in the individual billing information. Therefore, according to the public medical insurance institution server 1 in the first embodiment, by designating the account of the financial institution used by the billing medical institution as the transfer destination, it is possible to pay the amount of the individual burden withdrawn from the user's financial institution account to the medical institution.

[0060] Here, when the processor 11 of the public medical insurance institution server 1 receives, through the communication interface 14, a completion notice indicating that the transfer of the claim amount to the account of the financial institution indicated by the medical institution account information has been completed from the My Number management agency computer 3, it performs a process of transferring the usage fee obtained by subtracting the claim amount from the usage fee information in the medical expense information stored in the payment information database 133 to the account of the medical institution. Therefore, according to the public medical insurance institution server 1 in the first embodiment, the public medical insurance institution can execute the payment to the medical institution after confirming that the transfer of the individual claim has been completed.

[0061] Note that the medical institution is at least one of a hospital including a clinic and an insurance dispensing pharmacy, and the user's usage fee information included in the medical expense information is at least one of the medical expenses at a hospital including a clinic and the medicine fee of the medicine dispensed at an insurance dispensing pharmacy.

[0062] [Second Embodiment] Next, the second embodiment will be described. Regarding the configurations and operations similar to those of the first embodiment, the same reference numerals as those in the first embodiment are used, and the description thereof will be omitted.

[0063] The configuration of the public medical insurance institution server 1 to which the medical expense payment support device according to the second embodiment is applied and the medical expense payment support system including the same is the same as that of the first embodiment, except that the flag information stored in the "status" item of the payment information database 133 is different. In this embodiment, if the flag is "00", it represents unrequested; if it is "01", it represents requested; if the flag is "10", it represents receipt of transfer notice; and if it is "11", it represents transmission of debit information.

[0064] Hereinafter, taking the case where the medical institution is a hospital as an example, the operations of the public medical insurance institution server 1 and the medical expense payment support system will be described. However, by changing the hospital to an insurance dispensing pharmacy and the medical treatment cost to the medicine cost, it is the same as in the first embodiment that the case where the medical institution is an insurance dispensing pharmacy can also operate in the same manner.

[0065] FIG. 8 is a sequence diagram showing an overview of the operation of the medical expense payment support system in the second embodiment.

[0066] After the processor 11 of the public medical insurance institution server 1 executes the payment / claim amount calculation process in step S3, in this embodiment, it executes a payment process (step S15). In this payment process, payment processes are executed for all of the medical treatment costs billed from the medical institution computer 2, that is, both the amount of the user's out-of-pocket payment and the payment amount paid by the public medical insurance institution.

[0067] Then, the processor 11 of the public medical insurance institution server 1 transmits payment information indicating that the payment has been completed to the medical institution computer 2 of the claimant (step S16).

[0068] After that, the processor 11 of the public medical insurance institution server 1 transmits the individual claim information including the calculated claim amount to the My Number management institution computer 3 via the communication network NW (step S17). However, in this embodiment, this individual claim information includes, as the transfer destination information, not the medical institution account information about the medical institution but the content of the public medical insurance institution account information 134. That is, the transfer information includes the account information of the financial institution used by the public medical insurance institution and the contact information of the public medical insurance institution server 1.

[0069] As a result, the My Number management institution computer 3 includes the public medical insurance institution account as the transfer destination account in the transfer information transmitted to the financial institution computer 4 in step S6, and includes the contact information of the public medical insurance institution server 1 as the contact information. Therefore, in step S7, the financial institution computer 4 transfers the amount withdrawn from the account of the financial institution used by the user who visited the medical institution as the patient for the patient's out-of-pocket portion of the medical expenses to the public medical insurance institution account instead of the medical institution account. Then, in step S8, the financial institution computer 4 transmits a transfer notice to the public medical insurance institution server 1.

[0070] Then, the public medical insurance institution server 1 waits for the reception of the transfer notice from the financial institution computer 4 and the completion notice from the My Number management institution computer 3, and in step S13, transmits debit information to the user terminal 5 to notify the user that the out-of-pocket portion of the medical expenses has been debited from the account of the financial institution used by the user. The completion notice transmitted from the My Number management institution computer 3 to the public medical insurance institution server 1 indicates, in this embodiment, that the transfer of the claim amount to the account of the financial institution indicated by the public medical insurance institution account has been completed. That is, the completion notice in this case is an example of the completion notice indicating that the transfer of the claim amount to the account of the financial institution used by the institution operating the medical expense payment support device has been completed.

[0071] The user terminal 5 that has received the debit information can present it to the user of the user terminal 5, who is a subscriber to public medical insurance using a medical institution (step S14).

[0072] Next, a specific example of the operation of the public medical insurance institution server 1 to which the medical expense payment support device according to the second embodiment is applied will be described. FIG. 9 is a flowchart showing the main procedure of the information processing executed by the processor 11 of the public medical insurance institution server 1.

[0073] In this embodiment, in ACT101, if it is determined that the medical expense information has not been received, the processor 11 determines NO in ACT101 and proceeds to ACT121.

[0074] As ACT121, the processor 11 determines whether it has received a transfer notification transmitted from the financial institution computer 4 via the communication network NW by the communication interface 14. If the transfer notification has been received, the processor 11 determines YES in ACT121 and proceeds to ACT122. If the transfer notification has not been received, the processor 11 determines NO in ACT121. If the processor 11 determines NO in ACT102, it waits for the reception of the next information.

[0075] In this way, the processor 11 waits to receive the medical expense information from any of the medical institution computers 2 or the transfer notification from any of the financial institution computers 4.

[0076] Also, if the payment / claim amount is calculated in ACT104 and the transfer destination information regarding the medical institution to which the medical expenses should be transferred in ACT105 is obtained, then in this embodiment, the processor 11 proceeds to ACT109. As ACT109, the processor 11 executes a payment process for making a payment to the medical institution. However, in this embodiment, the processor 11 executes a process of paying not only the payment amount paid by the public medical institution but also the amount of the user's out-of-pocket expenses. In other words, the processor 11 executes a payment process for the total amount, which is the sum of the amount of the user's out-of-pocket expenses and the payment amount paid by the public medical institution, which is all of the payment amount to be paid to the medical institution. Specifically, the processor 11 transfers from its own account to the account of the financial institution used by the medical institution acting as the claimant indicated by the medical institution account information including the transfer destination information temporarily stored in the work area of the main memory 12, the claim amount indicated by the medical expense information.

[0077] As ACT110, the processor 11 transmits, via the communication network NW by means of the communication interface 14, payment information indicating that the payment has been completed to the medical institution computer 2 of the claimant. Thereafter, in this embodiment, the process proceeds to ACT106.

[0078] As ACT122, the processor 11 updates the payment information database 133. Specifically, the processor 11 identifies the corresponding record 1331 in the payment information database 133 by means of the payment number included in the transfer notice from the financial institution computer 4 temporarily stored in the work area of the main memory 12. Then, the processor 11 rewrites the flag information stored in the "status" of the said record 1311 from "01" indicating that it has been requested to "10" indicating that the transfer notice has been received. Thereafter, the processor 11 proceeds to ACT102.

[0079] In this embodiment, in ACT102, if a completion notice is received, then the processor 11 determines YES in ACT102 and proceeds to ACT111. Also, if a completion notice has not been received, then the processor 11 determines NO in ACT102 and repeats this ACT102.

[0080] In this way, the processor 11 waits for a completion notice to be sent from the personal number management institution computer 3. When the completion notice is received, the processor 11 acquires the contact information of the user who is the subscriber corresponding to the payment of medical expenses in ACT111, and transmits the debit information to the user terminal 5 of the subscriber indicated by the contact information in ACT112. At this time, the processor 11 rewrites the flag information stored in the "status" of the corresponding record 1331 in the payment information database 133 from "10" indicating that the transfer notice has been received to "11" indicating that the debit information has been transmitted.

[0081] As described above, according to the public medical insurance institution server 1 to which the medical expense payment support device according to the second embodiment is applied, the storage device 13 includes a medical institution information database 132 that stores medical institution account information for identifying the account of the financial institution used by the medical institution in association with the medical institution ID, and the medical expense information further includes the medical institution ID. When the processor 11 of the public medical insurance institution server 1 receives the medical expense information, the processor 11 stores the medical expense information in the payment information database 133, reads out the medical institution account information from the medical institution information database 132 based on the payment number that is the identification information in the medical expense information stored in the payment information database 133, and transfers the usage fee indicated by the usage fee information in the medical expense information stored in the payment information database 133 to the account of the medical institution. Therefore, according to the public medical insurance institution server 1 in the second embodiment, since the usage fees of the medical institutions of the users who are the subscribers billed by the medical institutions are paid in a lump sum, anyone can perform cashless settlement at the medical institution.

[0082] Here, the processor 11 of the public medical insurance institution server 1 uses the account information of the financial institution used by the institution operating the public medical insurance institution server 1 to which the medical expense payment support device according to the second embodiment is applied as the transfer destination account information in the individual billing information. Therefore, according to the public medical insurance institution server 1 in the second embodiment, by using the my number read from the my number card that replaces the health insurance card used in the medical institution, the my number management mechanism computer that links and manages the my number with the personal financial institution account is used to debit the amount of the individual's share of the claim amount from the medical institution, and to request the public medical insurance institution to pay the debited amount of the individual's share into the account of the financial institution used by the public medical insurance institution. Therefore, it becomes possible to obtain the amount of the individual's share of the amount paid in a lump sum by the public medical insurance institution from the user's account.

[0083] In addition, the public medical insurance institution server 1 further includes a user information database 131 that stores notification destination information indicating the notification destination to the user in association with the user's my number information. The completion notification includes the my number information or the payment number in the individual claim information. Then, when the processor 11 receives, through the communication interface 14, a completion notification indicating that the transfer of the claim amount to the account of the financial institution used by the institution operating the medical expense payment support device from the my number management mechanism computer 3 has been completed, the processor 11 reads out the user's notification destination information from the user information database 131 based on the my number information or the payment number included in the completion notification, and through the communication interface 14, notifies the notification destination indicated by the read notification destination information that the transfer of the claim amount of the user's out-of-pocket share paid to the medical institution without cash has ended. Therefore, according to the public medical insurance institution server 1 in the second embodiment, instead of a financial institution that does not know the notification destination of a user who pays the individual's share without cash, it is possible to notify the user that the amount of the individual's share of the claim amount has been debited.

[0084] As described above, the embodiments of the medical expense payment support system and the medical expense payment support device have been described, but such embodiments are not limited thereto. [Modification Example] FIG. 10 is a schematic configuration diagram showing a medical expense payment support system in a modified example. FIGS. 11 and 12 are sequence diagrams showing an overview of a series of operations of the medical expense payment support system in the modified example. In this modification, as shown in FIG. 10, the medical institution computer 2 includes a hospital computer 21 and a health insurance dispensing pharmacy computer 22. There may be a plurality of hospital computers 21 and health insurance dispensing pharmacy computers 22.

[0085] The hospital computer 21 manages by associating insurance dispensing pharmacy information with patient information. When the medical treatment by the doctor is completed and the doctor inputs the user's medical treatment information and prescription information into the medical institution computer 2, the hospital computer 21 calculates the claim amount of the medical treatment cost based on the input medical treatment information as described in the first embodiment (step S1), and transmits the medical treatment cost information to the public medical insurance institution server 1 (step S2). The operation of the public medical insurance institution server 1 that has received this medical treatment cost information is as described in the first embodiment. However, in this case, the transfer destination information included in the individual claim information transmitted in step S4 is the medical institution account information of the medical institution that uses the hospital computer 21 that is the transmission source of the medical treatment cost information, and the transmission destination of the payment information in step S12 is the hospital computer 21 of the claimant. Also, the debit information transmitted to the user terminal 5 in step S13 is to notify that the transfer of the amount of the out-of-pocket payment that the user of the user terminal 5 pays at the hospital without cash has been completed. The user terminal 5 that has received this debit information can present it to the user of the user terminal 5, who is a subscriber of public medical insurance who has used the hospital (step S14).

[0086] Also, as shown in FIG. 11, the hospital computer 21 executes an insurance dispensing pharmacy determination process for determining the insurance dispensing pharmacy information associated with the patient identification information from the insurance dispensing pharmacy information stored in the hospital computer (step S18). Then, the hospital computer 21 transmits the prescription information and patient information input by the doctor to the corresponding insurance dispensing pharmacy computer 22 based on the insurance dispensing pharmacy information (step S19).

[0087] The pharmacist in the insurance dispensing pharmacy checks the prescription information transmitted from the hospital computer 21 by the insurance dispensing pharmacy computer 22 and executes the dispensing according to the prescription information. The insurance dispensing pharmacy computer 22 collates the patient information of the patient who visited to pick up the dispensed medicine with the patient information transmitted from the hospital computer 21. For the patient confirmed by the hospital computer 21, the pharmacist can hand over the dispensed medicine.

[0088] Also, as shown in FIG. 12, the insurance dispensing pharmacy computer 22 executes a medicine price calculation process for calculating the medicine price based on the prescription information transmitted from the hospital computer 21 (step S20). Then, the insurance dispensing pharmacy computer 22 transmits the medicine price information indicating the calculated medicine price to the public medical insurance institution server 1 via the communication network NW (step S21). The operation of the public medical insurance institution server 1 that has received this medicine price information is as described in the first embodiment. However, in this case, the transfer destination information included in the individual claim information transmitted in step S4 is the medical institution account information about the medical institution that uses the insurance dispensing pharmacy computer 22 which is the transmission source of the medicine price information, and the transmission destination of the payment information in step S12 is the insurance dispensing pharmacy computer 22 of the claimant. Also, the debit information transmitted to the user terminal 5 in step S13 is to notify that the transfer of the amount of the out-of-pocket payment that the user of the user terminal 5 pays cashlessly to the insurance dispensing pharmacy to the hospital has been completed. The user terminal 5 that has received this debit information can present it to the user of the user terminal 5, who is an enrollee of public medical insurance using the insurance dispensing pharmacy (step S14).

[0089] Similar modifications are possible for the second embodiment.

[0090] In this way, not only is it possible to perform cashless settlement of the user's out-of-pocket expenses in each of the hospital including the clinic which is a medical institution and the insurance dispensing pharmacy, but also cooperation between the hospital and the insurance dispensing pharmacy becomes possible. That is, by transmitting prescription information from the hospital computer 21 to the insurance dispensing pharmacy computer 22 in advance, the dispensing of medicine can be started beforehand, and the user can shorten not only the time related to payment at the insurance dispensing pharmacy but also the waiting time for dispensing, and can further reduce the risk of in-hospital infection at the insurance dispensing pharmacy.

[0091] Also, in the first and second embodiments, the processor 11 of the public medical insurance institution server 1 is assumed to alternately execute the action when receiving the medical expense information and the action when receiving the completion notice. However, the action when receiving the medical expense information and the action when receiving the completion notice may be executed as separate processes, that is, they may be executed in parallel. Furthermore, for example, ACT110, ACT111, and ACT112 in the flowchart of FIG. 7 may be in the reverse order or may be performed in parallel. Thus, as long as there is no conflict with the preceding or subsequent processing, the order of processing may be changed or a plurality of processes may be performed in parallel.

[0092] Note that the embodiment is premised on the fact that prior consent has been obtained from each subscriber of public medical insurance regarding the deduction of the individual share of medical expenses. If consent has not been obtained, the system cannot process it. Therefore, the medical institution computer 2 may inquire of the public medical insurance institution server 1 whether cashless payment is possible, and execute the cashless payment process only when a reply indicating availability is received. In this case, the public medical insurance institution server 1 may further store a system availability flag in the record 1311 for each user in the user information database 131, and when receiving an inquiry from the medical institution computer 2, the processor 11 may refer to this flag and return a determination result of availability.

[0093] In addition, in the above-described embodiment, the control program executed by the processor 11 of the public medical insurance institution server 1 to which the medical expense payment support device is applied may be configured to be recorded and provided on a computer-readable recording medium such as a CD-ROM. Further, the control program may be configured to be stored on a computer connected to a communication network NW such as the Internet and provided by being downloaded via the communication network NW.

[0094] Also, with a configuration similar to that of the medical expense payment support device, it is also possible to configure a cost payment support device for an institution other than a medical institution. For example, since the My Number and the driver's license number are linked, in the settlement of the renewal fee when renewing the driver's license, by applying the cost payment support device to the computer of the driver's license management center management institution, it is possible to realize cashless settlement.

[0095] In addition, although some embodiments of the present invention have been described, these embodiments are presented as examples and are not intended to limit the scope of the invention. These novel embodiments can be implemented in various other forms, and various omissions, replacements, and changes can be made without departing from the gist of the invention. These embodiments and their modifications are included in the scope of the invention and are included in the scope of the invention described in the claims and its equivalents.

[0096] [Supplementary Note] From the above specific embodiments, an invention having the following configuration can be extracted. [1] A processor, an interface for communicating, via a network, with a computer of a medical institution and a computer of a My Number management institution that manages the My Number information of the user associated with the user account information for identifying the account of a financial institution used by the user who uses the medical institution, and When the processor receives, via the interface, billing information including the usage fee information of the user who has used the medical institution and the my number information of the user from the computer of the medical institution, Based on the usage fee information in the billing information, calculate the amount of the user's out-of-pocket payment to be billed for cashless payment, Transmit, via the interface, personal billing information including the my number information in the billing information, the calculated billing amount, and transfer destination account information indicating the transfer destination of the billing amount to the computer of the my number management institution. Medical expense payment support device. [2] Further include a memory for storing medical institution account information that identifies the account of the financial institution used by the medical institution, associated with the identification information for identifying the medical institution. The billing information further includes the identification information for identifying the medical institution. The processor When receiving the billing information, store the billing information in the memory. Based on the identification information in the billing information stored in the memory, read out the medical institution account information from the memory. The medical expense payment support device according to [1], wherein the read medical institution account information is used as the transfer destination account information in the personal billing information. [3] When the processor receives, via the interface, a completion notice indicating that the transfer of the billing amount to the account of the financial institution indicated by the medical institution account information has been completed from the computer of the my number management institution, perform a process of transferring the usage fee obtained by subtracting the billing amount from the usage fee information in the billing information stored in the memory to the account of the medical institution. The medical expense payment support device according to [2]. [4] Further include a memory for storing medical institution account information that identifies the account of the financial institution used by the medical institution, associated with the identification information for identifying the medical institution. The billing information further includes the identification information for identifying the medical institution. When the processor receives the request information, it stores the request information in the memory, and based on the identification information in the request information stored in the memory, reads out the medical institution account information from the memory, and performs a process of transferring the usage fee indicated by the usage fee information in the request information stored in the memory to the account of the medical institution. The medical expense payment support device according to [1]. The processor uses, as the transfer destination account information in the personal request information, the account information of a financial institution used by the institution operating the medical expense payment support device. The medical expense payment support device according to [4]. [5] The memory further stores notification destination information indicating a notification destination to the user in association with the user's my number information. The completion notification includes the my number information or the payment number in the personal request information. When the processor receives, via the interface, a completion notification indicating that the transfer of the claim amount to the account of the financial institution used by the institution operating the medical expense payment support device has been completed from the computer of the my number management organization, reads out the user's notification destination information based on the my number information or the payment number included in the completion notification, and notifies, via the interface, the notification destination indicated by the read notification destination information that the transfer of the out-of-pocket claim amount paid by the user to the medical institution has been completed. The medical expense payment support device according to [5]. [7] The medical institution is at least one of a hospital including a clinic and a dispensing pharmacy. The usage fee information of the user included in the request information is at least one of the medical treatment fee at a hospital including the clinic and the medicine fee of the medicine dispensed at the dispensing pharmacy. The medical expense payment support device according to any one of [1] to [6]. ​[8] When executed by the processor of a medical expense payment support device including a processor, an interface for communicating with a computer of a medical institution and a computer of a My Number management institution that manages the user's My Number information associated with the user account information identifying the account of a financial institution used by the user who uses the medical institution via a network, to the processor, When the interface receives, from the computer of the medical institution, a bill information including the usage fee information of the user who used the medical institution and the My Number information of the user, based on the usage fee information in the stored bill information, cause the processor to calculate the amount of the claim for the user's out-of-pocket payment to be made cashlessly, Cause the interface to transmit personal bill information including the My Number information in the bill information, the calculated claim amount, and transfer destination account information indicating the transfer destination of the claim amount, to the computer of the My Number management institution. Program. [9] The bill information further includes identification information for identifying the medical institution, to the processor, When receiving the bill information, associate the bill information with the identification information for identifying the medical institution, and store it in a memory that stores medical institution account information for identifying the account of the financial institution used by the medical institution, Based on the identification information in the bill information stored in the memory, read out the medical institution account information from the memory, The program according to [8], wherein the read medical institution account information is used as the transfer destination account information in the personal bill information.

Explanation of Signs

[0097] 1... Public medical insurance institution server, 2... Medical institution computer, 3... My Number management institution computer, 4... Financial institution computer, 5... User terminal, 11... Processor, 12... Main memory, 13... Storage device, 14... Communication interface, 15... System transmission path, 21... Hospital computer, 22... Insurance dispensing pharmacy computer, 131... User information database, 132... Medical institution information database, 133... Payment information database, 134... Public medical insurance institution account information, 1311, 1321, 1331... Records, NW... Communication network.

Prior art documents

Patent documents

[0098]

Patent Document 1

Claims

1. A processor, an interface for communicating via a network with a computer of a medical institution and a computer of a My Number management agency that manages the My Number information of the user associated with user account information identifying the account of a financial institution used by the user who uses the medical institution, comprising: when the processor receives, via the interface, claim information including usage fee information of the user who has used the medical institution and the My Number information of the user from the computer of the medical institution, calculates a claim amount for the user's out-of-pocket payment based on the usage fee information in the claim information, and transmits, via the interface, personal claim information including the My Number information in the claim information, the calculated claim amount, and transfer destination account information indicating the transfer destination of the claim amount, to the computer of the My Number management agency; A medical expense payment support device.

2. further comprising a memory that stores medical institution account information identifying the account of a financial institution used by the medical institution, associated with identification information identifying the medical institution, the claim information further includes the identification information identifying the medical institution, the processor, when receiving the claim information, stores the claim information in the memory, reads out the medical institution account information from the memory based on the identification information in the claim information stored in the memory, and uses the read medical institution account information as the transfer destination account information in the personal claim information. The medical expense payment support device according to claim 1.

3. when the processor receives, via the interface, a completion notice indicating that the transfer of the claim amount to the account of the financial institution indicated by the medical institution account information has been completed from the computer of the My Number management agency, the processor performs a process of transferring the usage fee obtained by subtracting the claim amount from the usage fee information in the claim information stored in the memory to the account of the medical institution. The medical expense payment support device according to claim 2.

4. further comprising a memory that stores medical institution account information identifying the account of a financial institution used by the medical institution, associated with identification information identifying the medical institution, the claim information further includes the identification information identifying the medical institution, the processor, When receiving the claim information, store the claim information in the memory, Based on the identification information in the claim information stored in the memory, read out the medical institution account information from the memory, and perform a process of transferring the usage fee indicated by the usage fee information in the claim information stored in the memory to the account of the medical institution. The medical expense payment support device according to claim 1.

5. When executed by the processor of a medical expense payment support device including a processor, an interface for communicating via a network with a computer of a medical institution and a computer of a my number management institution that manages the user's my number information associated with the user account information of a financial institution used by the user who uses the medical institution, To the processor, When receiving, via the interface, claim information including the usage fee information of the user who used the medical institution and the my number information of the user from the computer of the medical institution, calculate the claim amount of the out-of-pocket portion that the user pays cashlessly based on the usage fee information in the stored claim information, Cause the personal claim information including the my number information in the claim information, the calculated claim amount, and the transfer destination account information indicating the transfer destination of the claim amount to be transmitted to the computer of the my number management institution via the interface. Program.

6. The claim information further includes identification information for identifying the medical institution, To the processor, When receiving the claim information, store the claim information in a memory that stores medical institution account information for identifying the account of the financial institution used by the medical institution, in association with the identification information for identifying the medical institution, Cause the medical institution account information to be read out from the memory based on the identification information in the claim information stored in the memory, The program according to claim 5, wherein the read medical institution account information is used as the transfer destination account information in the personal claim information.

Images