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JP2021110991A - Animal medical expense settlement system and animal medical expense settlement program - Google Patents

Animal medical expense settlement system and animal medical expense settlement program Download PDF

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JP2021110991A
JP2021110991A JP2020000586A JP2020000586A JP2021110991A JP 2021110991 A JP2021110991 A JP 2021110991A JP 2020000586 A JP2020000586 A JP 2020000586A JP 2020000586 A JP2020000586 A JP 2020000586A JP 2021110991 A JP2021110991 A JP 2021110991A
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JP7418797B2 (en
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拓洋 大川
Takuhiro Okawa
拓洋 大川
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Anipos Co Ltd
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Abstract

To provide an animal medical expense settlement system and an animal medical expense settlement system with a small burden on an animal hospital and a user who is insured.SOLUTION: An animal medical expense settlement program for performing processing by a server 10 connected to a network performs a medical expense settlement reception step S103 in which a settlement of a medical expense according to a user is received from an animal hospital terminal 3, a medical expense payment step S105 in which payment of the medical expense is approved, an insurance settlement right transfer acceptance reception step S104 in which an acceptance of a settlement right of an insurance according to the medical care is received from a user terminal 1 that is a communication information terminal of the user, a medical expense settlement step S106 in which a copayment in the medical expense is charged to the user, and an insurance settlement step S110 in which the amount corresponding to the insurance according to the medical care is charged to an insurance company terminal 2 that is a communication information terminal of an insurance company.SELECTED DRAWING: Figure 3

Description

本発明は、動物診療費精算システム及び動物診療費精算プログラムに関するものである。 The present invention relates to an animal medical expense settlement system and an animal medical expense settlement program.

ペットの保険を利用する場合、原則は窓口で全額支払い、後から保険会社に保険金の支払いの請求を行う。
しかし一旦窓口で診療費を全額支払うことの飼い主の負担は大きい。
また、その保険金の支払い請求の作業は煩雑で、入金までの期間が長いという問題がある。
したがって、ペット用の保険に加入しているのに使わない、又はペット用の保険に入らない、という人も少なくない。 When using pet insurance, in principle, the full amount is paid at the counter, and the insurance company is requested to pay the insurance money later.
However, it is a heavy burden for the owner to pay the full medical fee at the counter.
In addition, the work of claiming the insurance claim is complicated, and there is a problem that the period until payment is long.
Therefore, there are many people who have pet insurance but do not use it or do not have pet insurance.

このような状況では金銭的な事情から、ペットの調子が悪いときであっても動物病院にペットを連れて行くことを躊躇してしまう場合もあり、これはペットやペットの飼い主にとって好ましいことではない。 In these situations, financial reasons may hesitate to take your pet to a veterinary clinic, even when your pet is ill, which is not good for pets and pet owners. do not have.

そこで、動物病院では保険金を引いた自己負担部分だけを支払うペット保険システムがある（例えば、非特許文献１参照）。 Therefore, there is a pet insurance system in a veterinary hospital that pays only the self-pay portion after deducting the insurance money (see, for example, Non-Patent Document 1).

アニコム損害保険株式会社、“ペット保険Ｎｏ．１のアニコム損保”、［ｏｎｌｉｎｅ］、［令和３１年１２月２６日検索］、インターネット〈ＵＲＬ：ｈｔｔｐｓ：／／ｗｗｗ．ａｎｉｃｏｍ−ｓｏｍｐｏ．ｃｏ．ｊｐ／ｆａｍｉｌｙ＿ｐｅｔｉｔ／〉Anicom Insurance Co., Ltd., "Pet Insurance No. 1 Anicom Insurance", [online], [Search on December 26, 2019], Internet <URL: https: // www. anicom-sompo. co. jp / family_petit />

しかしながら、このような仕組みは動物病院において診療ごとにそれが保険の適用内か適用外かを判定しなければならず、動物病院にとって負担が小さいとは言えない。
また、動物病院の窓口で精算を行うときにその判定を待たなければいけないので、時間も掛かる。 However, such a mechanism has to determine whether the insurance is covered or not covered for each medical treatment at the veterinary hospital, and it cannot be said that the burden on the veterinary hospital is small.
In addition, it takes time because you have to wait for the judgment when you make a payment at the veterinary clinic.

そこで、本発明の目的とするところは、動物病院及び保険加入者であるユーザーの負担が小さな動物診療費精算システム及び動物診療費精算システムを提供することにある。 Therefore, an object of the present invention is to provide a veterinary medical expense reimbursement system and a veterinary medical expense reimbursement system in which the burden on the veterinary hospital and the user who is an insurance member is small.

上記の目的を達成するために、本発明の請求項１に記載の動物診療費精算システムは、
サーバー（１０）と、動物病院の通信情報端末である動物病院端末（３）と、保険会社の通信情報端末である保険会社端末（２）と、ユーザーの通信情報端末であるユーザー端末（１）と、がネットワーク（１００）に接続され、
前記サーバー（１０）は、
前記動物病院端末（３）から前記ユーザーに係る診療費の請求を受け付ける診療費請求受付手段（１４ａ）と、
前記診療費の支払いを許諾する診療費支払手段（１４ｂ）と、
前記ユーザー端末（１）から、診療に係る前記ユーザーの保険金の請求権を譲渡することの承認を受け付ける保険金請求権譲渡承認受付手段（１４ｃ）と、
前記ユーザーに対して前記診療費における自己負担分を請求する診療費請求手段（１４ｄ）と、
診療に係る保険金に応じた額を前記保険会社端末（２）に請求する保険金請求手段（１４ｅ）と、を備えることを特徴とする。 In order to achieve the above object, the animal medical expense reimbursement system according to claim 1 of the present invention is used.
The server (10), the animal hospital terminal (3) which is the communication information terminal of the animal hospital, the insurance company terminal (2) which is the communication information terminal of the insurance company, and the user terminal (1) which is the communication information terminal of the user. And are connected to the network (100),
The server (10)
A medical fee billing receiving means (14a) for receiving a medical bill for the user from the veterinary hospital terminal (3), and
A medical fee payment means (14b) that permits payment of the medical fee, and
An insurance claim right transfer approval receiving means (14c) that accepts approval to transfer the insurance claim right of the user related to medical treatment from the user terminal (1), and
A medical fee billing means (14d) for billing the user for the self-payment of the medical fee, and
It is characterized by including an insurance claim means (14e) for claiming an amount corresponding to the insurance claim related to medical treatment to the insurance company terminal (2).

また、請求項２に記載の動物診療費精算システムは、
サーバー（１０）と、動物病院の通信情報端末である動物病院端末（３）と、保険会社の通信情報端末である保険会社端末（２）と、がネットワーク（１００）に接続され、
前記サーバー（１０）は、
前記動物病院端末（３）から前記ユーザーに係る診療費の請求を受け付ける診療費請求受付手段（１４ａ）と、
前記診療費の支払いを許諾する診療費支払手段（１４ｂ）と、
前記動物病院端末（３）から、診療に係る前記ユーザーの保険金の請求権を譲渡することの承認を受け付ける保険金請求権譲渡承認受付手段（１４ｃ）と、
前記ユーザーに対して前記診療費における自己負担分を請求する診療費請求手段（１４ｄ）と、
診療に係る保険金に応じた額を前記保険会社端末（２）に請求する保険金請求手段（１４ｅ）と、を備えることを特徴とする。 In addition, the animal medical expenses settlement system according to claim 2 is
The server (10), the animal hospital terminal (3), which is the communication information terminal of the animal hospital, and the insurance company terminal (2), which is the communication information terminal of the insurance company, are connected to the network (100).
The server (10)
A medical fee billing receiving means (14a) for receiving a medical bill for the user from the veterinary hospital terminal (3), and
A medical fee payment means (14b) that permits payment of the medical fee, and
From the veterinary hospital terminal (3), the insurance claim right transfer approval receiving means (14c) that accepts the approval to transfer the insurance claim right of the user related to medical treatment, and
A medical fee billing means (14d) for billing the user for the self-payment of the medical fee, and
It is characterized by including an insurance claim means (14e) for claiming an amount corresponding to the insurance claim related to medical treatment to the insurance company terminal (2).

また、請求項３に記載の動物診療費精算システムは、
前記サーバー（１０）は、
前記動物病院端末（３）からユーザーに係る診療明細書データを取得する診療明細書データ取得手段（１４ｆ）と、
前記ユーザーを特定するユーザー特定データを取得するユーザー特定データ取得手段（１４ｇ）と、
前記保険会社端末（２）から前記ユーザーに係る保険データを取得する保険データ取得手段（１４ｈ）と、
前記診療明細書データに係る診療が前記保険データにおける保険の対象か否かを判断する保険対象判断手段（１４ｉ）と、
前記保険対象判断手段（１４ｉ）において保険の対象であると判断された場合、前記診療明細書データ及び前記保険データから前記保険金の額を算出する保険金額算出手段（１４ｊ）と、をさらに備えることを特徴とする。 In addition, the animal medical expenses settlement system according to claim 3 is
The server (10)
A medical statement data acquisition means (14f) for acquiring medical statement data related to a user from the veterinary hospital terminal (3), and
A user-specific data acquisition means (14 g) for acquiring user-specific data that identifies the user, and
An insurance data acquisition means (14h) for acquiring insurance data related to the user from the insurance company terminal (2), and
An insurance target determination means (14i) for determining whether or not the medical treatment related to the medical statement data is covered by the insurance in the insurance data, and
When the insurance target determination means (14i) determines that the insurance is covered, the insurance amount calculation means (14j) for calculating the insurance amount from the medical statement data and the insurance data is further provided. It is characterized by that.

また、請求項４に記載の動物診療費精算プログラムは、
ネットワーク（１００）に接続されたサーバー（１０）が処理を行うための動物診療費精算プログラムであって、
前記動物病院端末（３）から前記ユーザーに係る診療費の請求を受け付ける診療費請求受付ステップ（Ｓ１０３）と、
前記診療費の支払いを許諾する診療費支払ステップ（Ｓ１０５）と、
ユーザーの通信情報端末であるユーザー端末（１）から診療に係る保険金の請求権の譲渡の承認を受け付ける保険金請求権譲渡承認受付ステップ（Ｓ１０４）と、
前記ユーザーに対して前記診療費における自己負担分を請求する診療費請求ステップ（Ｓ１０６）と、
診療に係る保険金に応じた額を保険会社の通信情報端末である保険会社端末（２）に請求する保険金請求ステップ（Ｓ１１０）と、を実行することを特徴とする。 In addition, the animal medical expenses reimbursement program according to claim 4 is
It is a veterinary medical expense reimbursement program for the server (10) connected to the network (100) to perform processing.
A medical fee billing reception step (S103) for receiving a medical bill for the user from the veterinary hospital terminal (3), and
The medical fee payment step (S105) for permitting payment of the medical fee, and
The insurance claim right transfer approval acceptance step (S104), which accepts the approval of the transfer of the insurance claim right related to medical treatment from the user terminal (1), which is the user's communication information terminal, and
A medical fee billing step (S106) for billing the user for the self-payment of the medical fee, and
It is characterized by executing the insurance claim step (S110) in which the amount corresponding to the insurance claim related to the medical treatment is charged to the insurance company terminal (2) which is the communication information terminal of the insurance company.

ここで、上記括弧内の記号は、図面および後述する発明を実施するための形態に掲載された対応要素または対応事項を示す。 Here, the symbols in parentheses indicate the corresponding elements or corresponding items described in the drawings and the embodiment for carrying out the invention described later.

本発明によれば、動物病院端末からユーザーに係る診療費の請求を受け付けて診療費の支払いを許諾し、ユーザー端末から診療に係る保険金の請求権の譲渡の承認を受け付けて診療に係る保険金に応じた額を保険会社端末に請求するとともに、ユーザーに対して自己負担分の診療費を請求するので、ユーザーが動物病院の窓口で精算することがない。
つまり、ユーザーが動物病院の窓口で一時的であっても全額支払いをすることが無いので、ユーザーにとって負担が少ない。つまり、動物病院における診療時にキャッシュレスとなる。
クレジットカード払いにするとその時は現金が出て行かないが、一時的に全額負担していることには変わりがない。 According to the present invention, the insurance related to medical treatment is received from the animal hospital terminal and the payment of the medical expenses is permitted from the user terminal, and the approval of the transfer of the right to claim the insurance money related to the medical treatment is received from the user terminal. Since the amount corresponding to the money is charged to the insurance company terminal and the user is charged for the medical expenses paid by himself / herself, the user does not have to pay at the window of the animal hospital.
In other words, the user does not have to pay the full amount even if it is temporary at the veterinary hospital window, so the burden on the user is small. In other words, it becomes cashless at the time of medical treatment at a veterinary hospital.
If you pay by credit card, you will not get cash at that time, but you will still be paying the full amount temporarily.

また、動物病院も窓口で診療ごとにそれが保険の適用内か適用外かを判定しなくて済むので、動物病院にとっても負担が小さく、しかも診療後にユーザーを待たせなくて済む。 In addition, since the veterinary hospital does not have to judge whether the insurance is covered or not for each medical treatment at the counter, the burden on the veterinary hospital is small and the user does not have to wait after the medical treatment.

なお、本発明の動物診療費精算システム及び動物診療費精算プログラムのように、動物病院端末からユーザーに係る診療費の請求を受け付けて診療費の支払いを許諾し、ユーザー端末から診療に係る保険金の請求権の譲渡の承認を受け付けて診療に係る保険金に応じた額を保険会社端末に請求するとともに、ユーザーに対して自己負担分の診療費を請求する点は、上述した非特許文献１には全く記載されていない。 As in the animal medical expenses settlement system and the animal medical expenses settlement program of the present invention, the animal hospital terminal accepts the request for the medical expenses related to the user and permits the payment of the medical expenses, and the insurance money related to the medical treatment from the user terminal. The point that the insurance company terminal is charged the amount corresponding to the insurance money related to the medical treatment by accepting the approval of the transfer of the claim right and the user is charged the medical expenses for the self-pay is the above-mentioned Non-Patent Document 1 Is not mentioned at all in.

本発明の実施形態に係る動物診療費精算システムの通信構成を示すブロック図である。It is a block diagram which shows the communication structure of the animal medical care expense settlement system which concerns on embodiment of this invention. 本発明の実施形態に係る動物診療費精算システムにおけるサーバーの構成概要を示すブロック図である。It is a block diagram which shows the configuration outline of the server in the animal medical care expense settlement system which concerns on embodiment of this invention. 本発明の第一実施形態に係る動物診療費精算プログラムでの処理を示すフローチャートである。It is a flowchart which shows the processing in the animal medical care expense settlement program which concerns on 1st Embodiment of this invention. 本発明の第二実施形態に係る動物診療費精算プログラムでの処理を示すフローチャートである。It is a flowchart which shows the processing in the animal medical care expense settlement program which concerns on 2nd Embodiment of this invention. 本発明の他の実施形態に係る動物診療費精算プログラムでの処理を示すフローチャートである。It is a flowchart which shows the processing in the animal medical care expense settlement program which concerns on other embodiment of this invention. 本発明の他の実施形態に係る動物診療費精算プログラムでの処理を示すフローチャートである。It is a flowchart which shows the processing in the animal medical care expense settlement program which concerns on other embodiment of this invention.

（第一実施形態）
図１から図３を参照して、本発明の第一実施形態に係る動物診療費精算システム及び動物診療費精算プログラムを説明する。
この動物診療費精算システムは、ユーザー端末１と、保険会社端末２と、動物病院端末３と、サーバー１０と、がネットワーク１００を介して接続されてなり、ユーザーがペットを動物病院に連れて行き、その診療について保険を使用する際に利用するものである。
ユーザー端末１、保険会社端末２及び動物病院端末３はいずれも複数存在するが、本実施形態においては各一つについて説明する。 (First Embodiment)
The animal medical expenses settlement system and the animal medical expenses settlement program according to the first embodiment of the present invention will be described with reference to FIGS. 1 to 3.
In this veterinary medical expense settlement system, a user terminal 1, an insurance company terminal 2, a veterinary hospital terminal 3, and a server 10 are connected via a network 100, and a user takes a pet to a veterinary hospital. , It is used when using insurance for the medical treatment.
There are a plurality of user terminals 1, insurance company terminals 2, and veterinary hospital terminals 3, but in the present embodiment, each one will be described.

ユーザー端末１は、ペットの飼い主であるユーザーの通信情報端末であり、例えばスマートフォンである。基本的なカメラ機能や通信機能を有していればよい。 The user terminal 1 is a communication information terminal of a user who is a pet owner, and is, for example, a smartphone. It suffices to have a basic camera function and communication function.

保険会社端末２や動物病院端末３は、家庭や企業に広く普及している一般的なパソコンである。動物病院端末３はレジスターと連動していてもよい。 The insurance company terminal 2 and the veterinary hospital terminal 3 are general personal computers that are widely used in homes and businesses. The veterinary hospital terminal 3 may be linked with the register.

次に、サーバー１０について説明する。
サーバー１０は入力装置１１、表示装置１２、記憶装置１３、演算処理装置１４、を備える。 Next, the server 10 will be described.
The server 10 includes an input device 11, a display device 12, a storage device 13, and an arithmetic processing unit 14.

入力装置１１は、演算処理装置１４に情報を入力する装置であり、キーボードやマウスのほか、タッチパネルなどである。 The input device 11 is a device for inputting information to the arithmetic processing unit 14, such as a keyboard, a mouse, and a touch panel.

表示装置１２は、入力装置１１で入力された情報や演算処理装置１４から出力された情報を表示する装置であり、例えばモニタである。 The display device 12 is a device that displays the information input by the input device 11 and the information output from the arithmetic processing unit 14, and is, for example, a monitor.

記憶装置１３は、種々の情報を記憶する装置であり、例えばハードディスク等である。
後述する演算処理装置１４において取得等したデータが記憶装置１３に適宜格納される。また、その記憶装置１３に格納されたデータも適宜演算処理装置１４に取り出される。 The storage device 13 is a device that stores various information, such as a hard disk.
Data acquired by the arithmetic processing unit 14 described later is appropriately stored in the storage device 13. Further, the data stored in the storage device 13 is also appropriately taken out to the arithmetic processing unit 14.

演算処理装置１４は、制御部であり、記憶装置１３に記憶されたプログラムを読み出して動作や制御を行う。
そして、演算処理装置１４は、診療費請求受付手段１４ａと、診療費支払手段１４ｂと、保険金請求権譲渡承認受付手段１４ｃと、診療費請求手段１４ｄと、保険金請求手段１４ｅと、診療明細書データ取得手段１４ｆと、ユーザー特定データ取得手段１４ｇと、保険データ取得手段１４ｈと、保険対象判断手段１４ｉと、保険金額算出手段１４ｊと、を備える。 The arithmetic processing unit 14 is a control unit, and reads a program stored in the storage device 13 to perform an operation or control.
Then, the arithmetic processing device 14 includes a medical fee claim receiving means 14a, a medical fee payment means 14b, an insurance claim right transfer approval receiving means 14c, a medical fee claiming means 14d, an insurance claiming means 14e, and a medical statement. The document data acquisition means 14f, the user-specific data acquisition means 14g, the insurance data acquisition means 14h, the insurance target determination means 14i, and the insurance amount calculation means 14j are provided.

以上のように構成された動物診療費精算システムにおけるサーバー１０の演算処理装置１４が行う制御について図３を参照しながら説明する。
まず、サーバー１０の演算処理装置１４が動物病院端末３との関係において行う制御について説明する。
サーバー１０（診療明細書データ取得手段）は、動物病院端末３からユーザーに係る診療明細書データを取得する（ステップＳ１０１（以下、「ステップ」という語を省略する））。
この診療明細書データには、担当獣医師名、通院日、入院日、退院日、傷病区分、傷病・診断名・診療内容、単価、診療合計額等が含まれる。 The control performed by the arithmetic processing unit 14 of the server 10 in the animal medical expense settlement system configured as described above will be described with reference to FIG.
First, the control performed by the arithmetic processing unit 14 of the server 10 in relation to the veterinary hospital terminal 3 will be described.
The server 10 (medical statement data acquisition means) acquires medical statement data related to the user from the veterinary hospital terminal 3 (step S101 (hereinafter, the word "step" is omitted)).
This medical statement data includes the name of the veterinarian in charge, the date of hospital visit, the date of admission, the date of discharge, the injury / illness classification, the name of injury / diagnosis / medical treatment, the unit price, the total amount of medical treatment, and the like.

これとともに、サーバー１０（ユーザー特定データ取得手段１４ｇ）は動物病院端末３からユーザーを特定するユーザー特定データを取得する（Ｓ１０２）。
このユーザー特定データとは、ユーザーの名前だけでなく、加入している保険の証券番号や保険会社名等の、保険に加入しているユーザーを一意に特定できるだけの情報である。生年月日や本実施形態に係るシステムの利用者であることの情報等が含まれていてもよい。なお、このユーザー特定データは、例えばペット保険の保険証を元に診療時に動物病院端末３に入力される。
また、診療明細書データにユーザー特定データが含まれていてもよい。 At the same time, the server 10 (user-specific data acquisition means 14 g) acquires user-specific data that identifies the user from the veterinary hospital terminal 3 (S102).
This user-specific data is information that can uniquely identify the insured user, such as the securities number of the insured insurance and the name of the insurance company, as well as the user's name. Information such as the date of birth and the fact that the user is a user of the system according to the present embodiment may be included. The user-specific data is input to the veterinary hospital terminal 3 at the time of medical treatment based on, for example, the insurance card of pet insurance.
In addition, user-specific data may be included in the medical statement data.

そして、サーバー１０（診療費請求受付手段１４ａ）は動物病院端末３からユーザーに係る診療費の請求を受け付ける（Ｓ１０３）。
最後に、サーバー１０（診療費支払手段１４ｂ）は動物病院に対して診療費の支払いを許諾する（Ｓ１０５）。つまり、動物病院の銀行口座に対して診療費を振込む、又は振り込みの準備をする。 Then, the server 10 (medical fee billing receiving means 14a) receives the medical bills related to the user from the veterinary hospital terminal 3 (S103).
Finally, the server 10 (medical fee payment means 14b) permits the veterinary hospital to pay the medical fee (S105). In other words, transfer the medical expenses to the bank account of the veterinary hospital, or prepare for the transfer.

次に、サーバー１０の演算処理装置１４がユーザー端末１との関係において行う制御について説明する。
サーバー１０（保険金請求権譲渡承認受付手段１４ｃ）は、ユーザー端末１から診療に係るユーザーの保険金の請求権の譲渡の承認を受け付ける（Ｓ１０４）。これは、従来はユーザーが直接保険会社に保険金の請求をすることが通常であるところ、本実施形態においてはユーザーに代わって、サーバー１０から保険金の請求を可能にするためである。
また、この承認をどの証券番号の保険について行われるか、ということは特定しておかなくてはいけない。
なお、図３に示すように時系列としては、Ｓ１０５の前にＳ１０４を行うことが取引の安全上好ましい。 Next, the control performed by the arithmetic processing unit 14 of the server 10 in relation to the user terminal 1 will be described.
The server 10 (insurance claim right transfer approval acceptance means 14c) accepts the approval of the transfer of the insurance claim right of the user related to medical treatment from the user terminal 1 (S104). This is because, in the past, the user usually claims the insurance claim directly from the insurance company, but in the present embodiment, the user can claim the insurance claim from the server 10 on behalf of the user.
In addition, it is necessary to specify which securities number the insurance is for which this approval is given.
As shown in FIG. 3, it is preferable to perform S104 before S105 in terms of transaction safety in terms of time series.

そして、サーバー１０（診療費請求手段１４ｄ）はユーザーに対して診療費におけるユーザーの自己負担分を請求する（Ｓ１０６）。この請求についてはユーザー端末１を介しても介さなくてもよく、診療費におけるユーザーの自己負担分の支払い方法としてはクレジットカード払いとしてもよいし、口座引き落としとしてもよく、Ｓ１０６におけるユーザー端末１の概念にはこれらを含む。
また、Ｓ１０６はユーザーが動物病院から帰った後（後日を含む）のタイミングで行われる。 Then, the server 10 (medical fee billing means 14d) bills the user for the user's own share of the medical fee (S106). This billing may or may not be performed via the user terminal 1, and the payment method of the user's own expense in the medical expenses may be a credit card payment or an account debit, and the user terminal 1 in S106 The concept includes these.
Further, S106 is performed at a timing after the user returns from the veterinary hospital (including a later date).

次に、サーバー１０の演算処理装置１４が保険会社端末２との関係において行う制御について説明する。
まず、サーバー１０（保険データ取得手段１４ｈ）は、保険会社端末２からユーザーに係る保険データを取得する（Ｓ１０７）。
この保険データには、証券番号、保険会社名、保険の種別、保障割合、保障期間、保険加入者名、ペット名等が含まれる。 Next, the control performed by the arithmetic processing unit 14 of the server 10 in relation to the insurance company terminal 2 will be described.
First, the server 10 (insurance data acquisition means 14h) acquires insurance data related to the user from the insurance company terminal 2 (S107).
This insurance data includes securities number, insurance company name, insurance type, coverage ratio, coverage period, insurance policyholder name, pet name, and the like.

次に、サーバー１０（保険対象判断手段１４ｉ）は、動物病院端末３から取得した診療明細書データに係る診療が保険データにおける保険の対象か否かを判断する（Ｓ１０８）。
そしてサーバー１０（保険対象判断手段１４ｉ）において保険の対象であると判断した場合、サーバー１０（保険金額算出手段１４ｊ）は診療明細書データ及び保険データから保険金の額を算出する（Ｓ１０９）。 Next, the server 10 (insurance target determination means 14i) determines whether or not the medical treatment related to the medical statement data acquired from the veterinary hospital terminal 3 is covered by insurance in the insurance data (S108).
Then, when the server 10 (insurance target determination means 14i) determines that the insurance is covered, the server 10 (insurance amount calculation means 14j) calculates the amount of insurance money from the medical statement data and the insurance data (S109).

最後に、サーバー１０（保険金請求手段１４ｅ）は、診療に係る保険金に応じた額を保険会社端末に請求する（Ｓ１１０）。
このＳ１１０とＳ１０６は図３における順番が入れ替わってもよいし、同時であってもよい。 Finally, the server 10 (insurance claim means 14e) bills the insurance company terminal for the amount corresponding to the insurance claim related to the medical treatment (S110).
The order of S110 and S106 in FIG. 3 may be interchanged or may be simultaneous.

本実施形態に係るシステム利用のための手数料について、ユーザー又は保険会社、もしくはその両者が負担してもよく、ユーザーが負担する場合にはＳ１０６においてその手数料が加えられ、保険会社が負担する場合にはＳ１１０においてその手数料が加えられる。 The fee for using the system according to this embodiment may be borne by the user, the insurance company, or both. If the user bears the fee, the fee is added in S106, and the insurance company bears the fee. Will be charged in S110.

以上のように構成及び制御された動物診療費精算システム及び動物診療費精算プログラムによれば、動物病院端末３からユーザーに係る診療費の請求を受け付けて診療費の支払いを許諾し、ユーザー端末から診療に係る保険金の請求権の譲渡の承認を受け付けて診療に係る保険金に応じた額を保険会社端末２に請求するとともに、ユーザーに対して自己負担分の診療費を請求するので、ユーザーが動物病院の窓口で精算することがない。 According to the veterinary medical expenses reimbursement system and the veterinary medical expenses reimbursement program configured and controlled as described above, the veterinary hospital terminal 3 accepts the request for the medical expenses related to the user, permits the payment of the medical expenses, and allows the payment of the medical expenses from the user terminal. After accepting the approval of the transfer of the right to claim the insurance money for medical treatment, the insurance company terminal 2 will be charged the amount corresponding to the insurance money for medical treatment, and the user will be charged the medical expenses for the self-pay. However, there is no payment at the window of the animal hospital.

つまり、ユーザーが動物病院の窓口で一時的であっても全額支払いをすることが無いので、ユーザーにとって負担が少ない。つまり、動物病院における診療時にキャッシュレスとなる。
従来、クレジットカード払いにするとその時は現金が出て行かないが、一時的に全額負担していることには変わりがない。 In other words, the user does not have to pay the full amount even if it is temporary at the veterinary hospital window, so the burden on the user is small. In other words, it becomes cashless at the time of medical treatment at a veterinary hospital.
Conventionally, if you pay by credit card, cash will not go out at that time, but you will still be paying the full amount temporarily.

また、動物病院も窓口で診療ごとにそれが保険の適用内か適用外かを判定しなくて済むので、動物病院にとっても負担が小さく、しかも診療後にユーザーを待たせなくて済む。 In addition, since the veterinary hospital does not have to judge whether the insurance is covered or not for each medical treatment at the counter, the burden on the veterinary hospital is small and the user does not have to wait after the medical treatment.

（第二実施形態）
次に、図４を参照して本発明の第二実施形態を説明する。なお、第一実施形態と同一部分には同一符号を付した。
本実施形態の第一実施形態との違いは、ユーザーが動物病院においてユーザー端末１を使用しないことであり、その他の構成要素に関しては第一実施形態と同一である。 (Second Embodiment)
Next, a second embodiment of the present invention will be described with reference to FIG. The same parts as those in the first embodiment are designated by the same reference numerals.
The difference from the first embodiment of the present embodiment is that the user does not use the user terminal 1 in the veterinary hospital, and other components are the same as those of the first embodiment.

つまり、Ｓ１０４を動物病院端末３から受け付けてもよい。すなわち、例えばクレジットカード払い時にサインを行うように、動物病院端末３に接続されたタブレットでサイン等を行うことでユーザーの保険金請求権の譲渡意志を確認してもよい。
これにより、ユーザーがユーザー端末１、つまりスマートフォンを持参していなくても本実施形態に係る動物診療費精算システムを利用することが可能である。 That is, S104 may be accepted from the veterinary hospital terminal 3. That is, the user's intention to transfer the insurance claim right may be confirmed by signing or the like with a tablet connected to the veterinary hospital terminal 3, for example, as when signing when paying by credit card.
This makes it possible for the user to use the animal medical care expense settlement system according to the present embodiment even if the user does not bring the user terminal 1, that is, the smartphone.

また、本実施形態に係る動物診療費精算システムや動物診療費精算プログラムの作動のトリガーとして、ユーザーの本人名義の有効なクレジットカード情報が登録されている場合に限ったり、ユーザーの本人名義の銀行口座が登録されていることを条件としてもよい。 In addition, as a trigger for the operation of the animal medical expenses settlement system and the animal medical expenses settlement program according to the present embodiment, only when valid credit card information in the name of the user is registered, or a bank in the name of the user. It may be a condition that the account is registered.

つまり、図４において便宜上Ｓ１０６の矢印の先がユーザー端末１に向かっているが、クレジットカード払いや口座引き落としで処理される。 That is, in FIG. 4, the tip of the arrow in S106 points to the user terminal 1 for convenience, but it is processed by credit card payment or direct debit.

なお、図５に示すようにユーザー特定データをユーザー端末１から取得してもよく、この場合には、サーバー１０の演算処理装置１４において診療明細書データとユーザー特定データとを突き合わせて、それが本実施形態に係るシステムの加入者であるか、つまり本サービスを利用可能な者であるかを判断する必要がある（Ｓ１１１）。 As shown in FIG. 5, the user-specific data may be acquired from the user terminal 1. In this case, the medical statement data and the user-specific data are matched with each other in the arithmetic processing unit 14 of the server 10, and the data is obtained. It is necessary to determine whether the user is a subscriber of the system according to the present embodiment, that is, a person who can use the service (S111).

また、図５に示すようにサーバー１０が動物病院端末３から診療費の請求を受けた後に、それの承認をユーザー端末１にて行うようにしてもよい（Ｓ１１２）。
これは動物病院による診療費の空請求を防止するためである。Ｓ１１２を動物病院端末３に接続されたタブレットにユーザーがサインをすることで行ってもよい。 Further, as shown in FIG. 5, after the server 10 receives a request for medical treatment fee from the veterinary hospital terminal 3, the user terminal 1 may approve the request (S112).
This is to prevent empty billing of medical expenses by veterinary hospitals. S112 may be performed by the user signing a tablet connected to the veterinary hospital terminal 3.

また、図６に示すように、Ｓ１０８及びＳ１０９を保険会社端末２が行ってもよい。 Further, as shown in FIG. 6, the insurance company terminal 2 may perform S108 and S109.

さらに、本実施形態の動物診療費精算システムにおけるサーバー１０の演算処理装置１４が行う制御は図３から図６の順番に限られるものではなく、矛盾が生じない範囲で各ステップの順番が入れ替わったり、同時に行われてもよい。 Further, the control performed by the arithmetic processing unit 14 of the server 10 in the animal medical care expense settlement system of the present embodiment is not limited to the order of FIGS. 3 to 6, and the order of each step may be changed within a range that does not cause a contradiction. , May be done at the same time.

１ ユーザー端末
２ 保険会社端末
３ 動物病院端末
１０ サーバー
１１ 入力装置
１２ 表示装置
１３ 記憶装置
１４ 演算処理装置
１４ａ 診療費請求受付手段
１４ｂ 診療費支払手段
１４ｃ 保険金請求権譲渡承認受付手段
１４ｄ 診療費請求手段
１４ｅ 保険金請求手段
１４ｆ 診療明細書データ取得手段
１４ｇ ユーザー特定データ取得手段
１４ｈ 保険データ取得手段
１４ｉ 保険対象判断手段
１４ｊ 保険金額算出手段
１００ ネットワーク（インターネット） 1 User terminal 2 Insurance company terminal 3 Animal hospital terminal 10 Server 11 Input device 12 Display device 13 Storage device 14 Arithmetic processing device 14a Medical fee billing reception means 14b Medical fee payment means 14c Insurance claim right transfer approval reception means 14d Medical fee claim Means 14e Insurance claim means 14f Medical statement data acquisition means 14g User-specific data acquisition means 14h Insurance data acquisition means 14i Insurance target judgment means 14j Insurance amount calculation means 100 Network (Internet)

Claims (4)

サーバーと、動物病院の通信情報端末である動物病院端末と、保険会社の通信情報端末である保険会社端末と、ユーザーの通信情報端末であるユーザー端末と、がネットワークに接続され、
前記サーバーは、
前記動物病院端末から前記ユーザーに係る診療費の請求を受け付ける診療費請求受付手段と、
前記診療費の支払いを許諾する診療費支払手段と、
前記ユーザー端末から、診療に係る前記ユーザーの保険金の請求権を譲渡することの承認を受け付ける保険金請求権譲渡承認受付手段と、
前記ユーザーに対して前記診療費における自己負担分を請求する診療費請求手段と、
診療に係る保険金に応じた額を前記保険会社端末に請求する保険金請求手段と、を備えることを特徴とする動物診療費精算システム。 The server, the animal hospital terminal which is the communication information terminal of the animal hospital, the insurance company terminal which is the communication information terminal of the insurance company, and the user terminal which is the communication information terminal of the user are connected to the network.
The server
A medical fee billing means for receiving a medical bill for the user from the veterinary hospital terminal,
The medical fee payment means that permits payment of the medical fee and
An insurance claim right transfer approval acceptance means for accepting approval to transfer the insurance claim right of the user related to medical treatment from the user terminal,
A medical fee billing means for billing the user for the self-payment of the medical fee,
An animal medical care expense reimbursement system characterized by comprising an insurance claim means for claiming an amount corresponding to the insurance money related to medical treatment to the insurance company terminal. サーバーと、動物病院の通信情報端末である動物病院端末と、保険会社の通信情報端末である保険会社端末と、がネットワークに接続され、
前記サーバーは、
前記動物病院端末から前記ユーザーに係る診療費の請求を受け付ける診療費請求受付手段と、
前記診療費の支払いを許諾する診療費支払手段と、
前記動物病院端末から、診療に係る前記ユーザーの保険金の請求権を譲渡することの承認を受け付ける保険金請求権譲渡承認受付手段と、
前記ユーザーに対して前記診療費における自己負担分を請求する診療費請求手段と、
診療に係る保険金に応じた額を前記保険会社端末に請求する保険金請求手段と、を備えることを特徴とする動物診療費精算システム。 The server, the animal hospital terminal, which is the communication information terminal of the animal hospital, and the insurance company terminal, which is the communication information terminal of the insurance company, are connected to the network.
The server
A medical fee billing means for receiving a medical bill for the user from the veterinary hospital terminal,
The medical fee payment means that permits payment of the medical fee and
An insurance claim right transfer approval receiving means for accepting approval to transfer the insurance claim right of the user related to medical treatment from the veterinary hospital terminal,
A medical fee billing means for billing the user for the self-payment of the medical fee,
An animal medical care expense reimbursement system characterized by comprising an insurance claim means for claiming an amount corresponding to the insurance money related to medical treatment to the insurance company terminal. 前記サーバーは、
前記動物病院端末からユーザーに係る診療明細書データを取得する診療明細書データ取得手段と、
前記ユーザーを特定するユーザー特定データを取得するユーザー特定データ取得手段と、
前記保険会社端末から前記ユーザーに係る保険データを取得する保険データ取得手段と、
前記診療明細書データに係る診療が前記保険データにおける保険の対象か否かを判断する保険対象判断手段と、
前記保険対象判断手段において保険の対象であると判断された場合、前記診療明細書データ及び前記保険データから前記保険金の額を算出する保険金額算出手段と、をさらに備えることを特徴とする請求項１又は２に記載の動物診療費精算システム The server
A medical statement data acquisition means for acquiring medical statement data related to a user from the veterinary hospital terminal, and
User-specific data acquisition means for acquiring user-specific data that identifies the user, and
An insurance data acquisition means for acquiring insurance data related to the user from the insurance company terminal, and
An insurance target determination means for determining whether or not the medical treatment related to the medical statement data is covered by the insurance in the insurance data,
When the insurance target determination means determines that the insurance is covered, the claim is further provided with the medical statement data and the insurance amount calculation means for calculating the insurance amount from the insurance data. Veterinary medical expenses reimbursement system according to item 1 or 2. ネットワークに接続されたサーバーが処理を行うための動物診療費精算プログラムであって、
前記動物病院端末から前記ユーザーに係る診療費の請求を受け付ける診療費請求受付ステップと、
前記診療費の支払いを許諾する診療費支払ステップと、
ユーザーの通信情報端末であるユーザー端末から診療に係る保険金の請求権の譲渡の承認を受け付ける保険金請求権譲渡承認受付ステップと、
前記ユーザーに対して前記診療費における自己負担分を請求する診療費請求ステップと、
診療に係る保険金に応じた額を保険会社の通信情報端末である保険会社端末に請求する保険金請求ステップと、を実行することを特徴とする動物診療費精算プログラム。 It is a veterinary medical expense reimbursement program for the server connected to the network to perform the processing.
A medical fee billing reception step for receiving a medical bill for the user from the veterinary hospital terminal, and
The medical fee payment step that permits payment of the medical fee, and
The insurance claim right transfer approval acceptance step, which accepts the approval of the transfer of the insurance claim right related to medical treatment from the user terminal, which is the user's communication information terminal,
A medical fee billing step for billing the user for the self-payment of the medical fee,
An animal medical care expense reimbursement program characterized by executing an insurance claim step of billing an insurance company terminal, which is a communication information terminal of an insurance company, for an amount corresponding to the insurance money related to medical treatment.
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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002056096A (en) * 2000-08-10 2002-02-20 Meiji Life Insurance Co Reimbursement method for insurance claim or benefit item and reimbursement system for insurance item or benefit item
JP2004267183A (en) * 2003-03-05 2004-09-30 Miyako Miyamoto Insurance system for pet
JP2018018352A (en) * 2016-07-28 2018-02-01 株式会社エムイーエックステクノロジーズ A mechanism to eliminate the partial contribution liability to medical institutions of patients with insurance benefits of medical insurance
US20180349852A1 (en) * 2013-03-15 2018-12-06 Trupanion, Inc. Pet insurance system and method

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002056096A (en) * 2000-08-10 2002-02-20 Meiji Life Insurance Co Reimbursement method for insurance claim or benefit item and reimbursement system for insurance item or benefit item
JP2004267183A (en) * 2003-03-05 2004-09-30 Miyako Miyamoto Insurance system for pet
US20180349852A1 (en) * 2013-03-15 2018-12-06 Trupanion, Inc. Pet insurance system and method
JP2018018352A (en) * 2016-07-28 2018-02-01 株式会社エムイーエックステクノロジーズ A mechanism to eliminate the partial contribution liability to medical institutions of patients with insurance benefits of medical insurance

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