KR100854344B1 - Medical Payment Account Management System and Record Media for It - Google Patents

Abstract

The present invention relates to a method and system for managing a medical billing account and a recording medium therefor, wherein the integrated medical billing settlement system according to the present invention includes deposits of insurance money paid by a private medical insurance company and insurance money paid by a national medical insurance company in a single account. Account setting means for setting a deposit account for each medical institution, information checking means for confirming whether or not a predetermined insurance money is deposited in the medical expenses deposit account for each medical institution, and the deposits deposited into the deposit account are periodically deposited into the medical institution account. Or account management means for settlement of the loan provided to the medical institution. Thereby, by issuing a card with a virtual account that processes payment through the salary-based medical insurance and non-wage-based medical insurance and customer contribution to a predetermined private medical insurance subscriber, the subscriber provides medical services through a hospital. In the case of receiving, the card has the advantage of automating a conventional complex private health insurance service process.

Salary, non-wage, medical insurance, settlement

Description

System for Managing Medical Expenses Receive Account and Program Recording Medium}

1 is a diagram illustrating a card issuing system for integrated management of salary / non-salary standard medical insurance according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an MS card in which predetermined card information is stored for integrated operation of a salary / non-salary standard medical insurance according to an exemplary embodiment of the present invention.

3 is a diagram illustrating an IC card in which card information is stored for integrated management of salary / non-payment criteria according to one embodiment of the present invention.

4A, 4B, and 4C are diagrams illustrating a virtual account for medical expenses integrated settlement processing through salary / non-salary standard medical insurance integrated operation according to one embodiment of the present invention.

FIG. 5 is a diagram illustrating a process of issuing a card having a virtual account for integrated operation of a salary / non-salary standard medical insurance according to one embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of issuing a card having a virtual account for integrated management of salary / non-payment criteria according to another embodiment of the present invention.

FIG. 7 is a diagram illustrating a process of issuing a card having a virtual account for integrated management of salary / non-payment criteria according to another embodiment of the present invention.

8 is a diagram illustrating a card issuing system for integrated management of salary / non-salary standard medical insurance according to another embodiment of the present invention.

9 is a diagram illustrating an MS card in which predetermined card information is stored according to another exemplary embodiment of the present invention.

10 is a diagram illustrating an IC card in which predetermined card information is stored according to another exemplary embodiment of the present invention.

11A, 11B, and 11C are diagrams illustrating a virtual account for medical expenses integrated settlement processing through salary / non-salary standard medical insurance integrated operation according to another exemplary embodiment of the present invention.

FIG. 12 is a diagram illustrating a process of issuing a card associated with a virtual account for integrated operation of a salary / non-salary standard medical insurance according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a process of issuing a card associated with a virtual account for integrated operation of a salary / non-salary standard medical insurance according to another embodiment of the present invention.

FIG. 14 is a diagram illustrating a process of issuing a card associated with a virtual account for the integrated operation of the salary / non-salary standard medical insurance according to another embodiment of the present invention.

FIG. 15 is a diagram illustrating a salary / non-salary standard medical insurance integrated operation system configuration according to an exemplary embodiment of the present invention.

16 is a diagram showing the functional configuration of an insurance processing terminal according to an embodiment of the present invention.

17 is a diagram illustrating the insurance approval request full text structure according to an embodiment of the present invention.

18 is a diagram illustrating a process of requesting an integrated settlement process of medical expenses according to an embodiment of the present invention.

19 is a diagram illustrating a process of approving integrated settlement processing of medical expenses according to one embodiment of the present invention.

20 is a diagram illustrating a process of processing an integrated treatment result of medical expenses according to an exemplary embodiment of the present invention.

21 is a diagram illustrating a process of requesting an integrated settlement process of medical expenses according to another exemplary embodiment of the present invention.

22 is a diagram illustrating a process of approving integrated settlement processing of medical expenses according to another embodiment of the present invention.

FIG. 23 is a diagram illustrating a process of processing an integrated treatment result of medical expenses according to an exemplary embodiment of the present invention. FIG.

24 is a diagram illustrating a salary / non-salary standard medical insurance integrated operation system configuration according to another embodiment of the present invention.

25 is a diagram showing the functional configuration of an insurance processing terminal according to another embodiment of the present invention.

26 is a diagram illustrating an insurance approval request full text structure according to another embodiment of the present invention.

27 is a diagram illustrating a process of requesting an integrated settlement process of medical expenses according to an embodiment of the present invention.

28 is a diagram illustrating a process of approving the integrated settlement of medical expenses according to an embodiment of the present invention.

29 is a diagram illustrating a direct debit payment process of a customer charge according to an embodiment of the present invention.

30 is a diagram illustrating a process of processing an integrated treatment result of medical expenses according to an exemplary embodiment of the present invention.

31 is a diagram illustrating a process of requesting an integrated settlement process of medical expenses according to another embodiment of the present invention.

32 is a diagram illustrating a process of approving the integrated settlement of medical expenses according to another embodiment of the present invention.

33 is a view showing a direct debit payment process of customer charges according to another embodiment of the present invention.

34 is a diagram illustrating a process of processing a result of integrated treatment of medical expenses according to another embodiment of the present invention.

FIG. 35 is a diagram illustrating a salary / non-salary standard medical insurance integrated operation system configuration according to another exemplary embodiment of the present invention. FIG.

36 is a diagram showing the functional configuration of an insurance processing terminal according to another embodiment of the present invention.

37 is a diagram illustrating an insurance approval request specialized structure according to another embodiment of the present invention.

38 is a diagram illustrating a process of requesting an integrated settlement process of medical expenses according to an embodiment of the present invention.

39 is a diagram illustrating a process of approving integrated settlement of medical expenses according to one embodiment of the present invention.

40 is a diagram illustrating a customer direct debit payment process of the insurance processing terminal according to an embodiment of the present invention.

41 is a diagram illustrating a customer direct debit payment process of the financial system according to an embodiment of the present invention.

42 is a view showing a process of processing the integrated treatment result of medical expenses according to an embodiment of the present invention.

43 is a diagram illustrating a process for requesting integrated settlement of medical expenses according to another embodiment of the present invention.

44 is a diagram illustrating a process of approving the integrated settlement of medical expenses according to another embodiment of the present invention.

45 is a diagram illustrating a customer direct debit payment process of an insurance processing terminal according to another embodiment of the present invention.

46 is a diagram illustrating a customer direct payment process of the financial system according to another embodiment of the present invention.

FIG. 47 is a diagram illustrating a process of processing an integrated treatment result of medical expenses according to another exemplary embodiment of the present invention. FIG.

48A, 48B, and 48C are diagrams illustrating a virtual account for automatic payment of medical expenses through integrated management of salary / non-salary standard medical insurance according to an embodiment of the present invention.

49 is a diagram showing the configuration of a medical insurance settlement processing system according to an embodiment of the present invention.

50 is a diagram illustrating an information processing procedure for medical insurance settlement according to an embodiment of the present invention.

51 is a diagram illustrating a medical insurance settlement process according to an embodiment of the present invention.

52 is a diagram illustrating a medical insurance settlement processing system configuration according to another embodiment of the present invention.

53 is a view showing a medical expenses prepayment processing procedure according to another embodiment of the present invention.

54 is a diagram illustrating a post-settlement process of a prepaid medical expenses settlement amount according to another embodiment of the present invention.

55 is a diagram illustrating a medical insurance settlement processing system configuration according to another embodiment of the present invention.

56 is a diagram illustrating a medical expenses prepayment processing process through a medical expenses settlement amount collateral loan procedure according to another embodiment of the present invention.

57 is a diagram illustrating a post-settlement process of a medical bill settlement amount processed by a collateral loan according to another embodiment of the present invention.

<Description of main parts of drawing>

5200: financial company server 5205: information verification unit

5210: Information request unit 5215: Medical expenses payment information receiving unit

5220: down payment processing unit 5225: post settlement processing unit

5230: information transmission unit 5235: medical institution terminal

According to the present invention, a predetermined non-wage-based insurance company subscribed to the customer at a predetermined financial company server before the amount corresponding to the salary / non-payment medical insurance settlement amount and / or the amount corresponding to the customer contribution is deposited in the virtual account of the customer ( For example, claim the non-benefit-based medical insurance settlement amount to the private medical insurance company), and / or claim an amount corresponding to the payment-based medical insurance settlement amount to a predetermined salary-based insurance company (eg, National Health Insurance Corporation), And / or claiming an amount corresponding to the payment amount of the customer charge to the customer virtual account to a predetermined credit card company / financial company corresponding to the payment means provided on the card, and then responding to the payment amount of the insurance company server and / or If the predetermined medical expenses payment approval information corresponding to the bill is received from a card company (financial company) server, the financial If the company server prepays the amount corresponding to the medical expenses payment approval information to the medical institution account, and the amount corresponding to the medical expenses payment approval information is actually deposited from the insurance company and / or the card company (financial company) and / or the card company (financial company). The present invention relates to a method and a system for managing a medical expenses deposit account which post-settles the amount corresponding to the medical expenses payment approval information.

As the quality of life improves, the national medical insurance system is being implemented as part of the social security system. Conventionally, the National Medical Insurance System, if a customer with National Medical Insurance has a medical insurance card and visits a hospital or a clinic to receive medical services, some of the medical service expenses are paid by the National Health Insurance Corporation, Let the customer pay the price.

However, not only the number of diseases that are covered by the National Medical Insurance, but also diseases such as cancer, which are expensive for medical services, are excluded from the National Medical Insurance.

Therefore, the majority of citizens have at least one private medical insurance in addition to the national medical insurance, thereby providing insurance services for diseases not covered by the national medical insurance, or those covered by the national medical insurance. If you want to receive better insurance services.

However, unlike the national medical insurance system, which requires only a health insurance card, private medical insurance is complicated by a plurality of insurers and the service method is not standardized. It includes uncomfortable problems.

An object of the present invention for solving the above problems, the insurance payments paid by the private medical insurance company and / or the insurance payments paid by the National Medical Insurance Corporation and / or the customer pay medical expenses paid by the financial company corresponding to the customer payment means in a single account An account management method and system for setting a deposit account for each medical institution so as to deposit money, and periodically deposits insurance and / or medical expenses deposited into the deposit account to the medical institution account, or processes the loan provided to the medical institution. In providing.

The account management system according to the present invention includes an account setting means for setting a deposit account for each medical institution such that the insurance money paid by a private medical insurance company and the insurance money paid by the National Health Insurance Corporation are deposited into a single account, and the medical expense deposit account for each medical institution. Information checking means for confirming whether or not a predetermined insurance money is deposited, and an account management means for periodically depositing the insurance money deposited into the deposit account into the medical institution account or processing the loan provided to the medical institution. It is characterized by.

On the other hand, the account management system according to the present invention, medical institutions by deposit customers pay medical expenses paid from financial institutions corresponding to insurance and customer payment methods to pay in insurance and National Health Insurance Corporation to pay private medical insurer to be deposited in a single account. Account setting means for setting up an account, information checking means for confirming whether a predetermined amount of insurance and medical expenses have been deposited into a medical expenses deposit account for each medical institution, and deposits and medical expenses deposited into the deposit account are periodically deposited into the medical institution account. Or, account management means for settlement of the loan provided to the medical institution.

According to the present invention, the account management system is characterized in that it further comprises a loan processing means for processing a prepayment of a predetermined loan to the medical institution account before a predetermined amount is deposited into the medical expenses deposit account of the medical institution.

According to the present invention, the deposit account for each medical institution, characterized in that consisting of a virtual account.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing the function of the above-described account management system configuration means.

On the other hand, in the account management method according to the present invention, the premiums paid by the private medical insurance company and / or the premiums paid by the National Medical Insurance Corporation and / or the customer burden medical expenses paid by the financial company corresponding to the customer payment means deposited in a single account And setting up a deposit account for each medical institution, and depositing insurance premiums and / or medical expenses deposited into the deposit account to the medical institution account periodically, or processing a loan provided to the medical institution. It features.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It's just

1 is a diagram illustrating a card issuing system for integrated management of salary / non-salary standard medical insurance according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer provides a card issuance application information for the integrated salary / non-benefit-based medical insurance integrated management system according to the present invention through a predetermined card issuance interface, The present invention relates to a system for issuing a salary / non-salary standard medical insurance integrated card having a predetermined virtual account to the customer based on the provided card issuance application information in the salary / non-salary standard medical insurance integrated management system. Those skilled in the art may refer to and / or modify the drawing 1 to infer various implementation methods for the card issuance system configuration for the integrated operation of the salary / non-payment standard medical insurance, but the present invention Includes all the inferred implementation methods, and only the implementation method shown in FIG. It shall not be limited.

Hereinafter, at least one means and / or functional configuration for issuing a predetermined card to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. The corresponding component is referred to as "card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a card issuing system for integrated operation of salary / non-salary standard medical insurance according to the present invention is a card for issuing a predetermined salary / non-salary standard medical insurance integrated card to the customer. Issuing server 100, characterized in that made, the card issuing server 100 is provided in a predetermined financial institution, and / or to the automatic settlement of medical expenses through the integrated operation of the salary / non-salary standard medical insurance Or at one or more insurers (e.g., National Health Insurance Corporation, private health insurance company, etc.) that are provided in the integrated medical insurance management agency that provides processing, and / or provide the client with integrated salary / non-payment medical insurance services. All are possible, and the present invention is not limited thereby.

However, FIG. 1 illustrates that the card issuing server 100 is provided in the financial institution for efficient explanation of the present invention.

According to the invention, the card issuing server 100 issuing a process (and / or after issuing a card) a predetermined salary / non-salary standard medical insurance integrated card to the customer to the customer, the salary / non-salary standard medical care It is characterized in that through the predetermined communication means and the financial system in which a predetermined virtual account corresponding to the card is opened for insurance integrated operation.

Here, when the card issuing server 100 is provided in the financial institution, the card issuing server 100 is preferably linked with the financial system through a predetermined internal communication means (for example, our network), When the card issuing server 100 is provided at an institution other than the financial institution, the card issuing server 100 is provided through a predetermined external communication means (for example, a financial common network or a dedicated communication network having a security function). It is desirable to work with financial systems.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network through the IC chip-based wireless banking server) And / or at least one financial transaction via at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network). It provides IC chip-based non-face-to-face financial transaction service to customers.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that it is stored in association with.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the card issuing system is characterized in that it comprises an employee terminal used by the card issuing staff provided with at least one financial institution, and / or the card issuing system When the non-face-to-face card issuance application is supported, a client terminal including at least one of a wired terminal and / or a wireless terminal used by the customer is included. The employee terminal and / or the client terminal may be predetermined. The communication channel is connected to the card issuing server 100 provided on the salary / non-payment standard medical insurance integrated operation system through the network means.

According to one embodiment of the present invention, the customer visits the financial institution for the integrated operation of the salary / non-payment standard medical insurance according to the present invention and through a window provided at the financial institution (or through a card issuing staff). Prepare a predetermined card issuance application (eg, a document having a form for filling in at least one information item for the integrated operation of the salary / non-benefit based health insurance) and / or the When a card issuer visits the customer and asks the customer to fill out a predetermined card issuance application for the integrated management of the salary / non-payment standard health insurance), and submits the completed card issuance application to the card issuing staff. The card issuing officer can enter the information on the card issuance application form through a predetermined staff terminal. Is input (or selected), and the employee terminal transmits the input (or selected) information to the card issuing server 100 provided on the salary / non-salary standard medical insurance integrated management system through the network means. desirable.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the financial institution, the card issuing server 100 connected to the employee terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the employee terminal and the card issuing server 100 is a financial network (eg, our network) connecting the communication channel between the employee terminal and the card issuing server 100 It is preferable to comprise).

In the card issuing system as described above, the card issuing application written by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 100 is the customer It performs the function of the card issuing interface for registering the card issuing application information for the salary / non-payment standard medical insurance integrated operation according to the present invention.

According to another embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. The card for accessing the card issuance server 100 through at least one or more client terminals, and through the at least one user interface provided by the card issuance server 100 for the integrated operation of the salary / non-payment standard medical insurance according to the present invention. When the issue application information is input (or selected), it is preferable that the client terminal transmits the card application server 100 provided on the salary / non-salary standard medical insurance integrated operation system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the card issuing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the card issuing server 100 and / Or the wireless network performs the function of the card issuing interface for the customer to register the card issuance application information for the salary / non-paid standard medical insurance integrated operation according to the present invention.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 145, in addition to the employee terminal and / or client terminal, a predetermined financial network It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or service) further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network, and / or provided in at least one or more institutions affiliated with the financial institution. ) (It may further comprise a not shown), to which the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 145 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 100 performs a function of the card issuing interface for registering the card issuance application information for the customer integrated management operation of the salary / non-payment standard medical insurance according to the present invention. And / or the card issuing terminal 145 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 100. And / or the wireless telephone network performs a function of a card issuing interface for the customer to register card issuance application information for the integrated operation of the salary / non-payment standard medical insurance according to the present invention. And / or the terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the card issuing terminal 145 (not shown), and The network connecting the terminal (and / or server) (not shown) and the card issuing server 100 is for the customer to register card issuance application information for salary / non-salary standard medical insurance integrated operation according to the present invention. It performs the function of card issuing interface.

The storage medium 140 provided on the salary / non-salary standard medical insurance integrated operation system according to the present invention issues a predetermined card to the customer based on the card issuance application information provided from the card issuing terminal 145. Then, the salary / non-salary standard medical insurance integrated management information according to the card issuance is stored, and the salary / non-salary standard medical insurance integrated operation information stored in the storage medium 140 is salary / non-salary standard medical insurance It is used for the integrated operation of the salary / non-salary standard medical insurance according to the present invention on the integrated operation system.

According to an exemplary embodiment of the present invention, the storage medium 140 is provided on the salary / non-salary standard medical insurance integrated management system (or linked with the salary / non-salary standard medical insurance integrated management system). Preferably, the storage medium 140 is a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database (not shown) associated with the ledger D / B. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 140 performs a predetermined information processing function using the salary / non-salary standard medical insurance integrated operation information on the salary / non-salary standard medical insurance integrated operation system. (Or the device) is preferably provided in a predetermined DBMS, wherein the location where the storage medium 140 is provided may be variously carried out according to the intention of those skilled in the art, whereby the present invention is not limited No.

The card issuing server 100 provided on the salary / non-salary standard medical insurance integrated operation system according to the present invention is the salary / non-salary standard medical insurance integrated operation connected to the card issuing terminal 145 through a predetermined network means. A generic term for system-side components, which may be implemented including at least one server (or device), and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), Thereby, this invention is not limited.

According to the embodiment of the present invention, the card issuing server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined card issuing interface to the card issuing terminal 145 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 145 is an employee terminal connected to a predetermined financial network, the interface unit 105 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides communication interface for transmitting and receiving information (or data) using communication protocol defined in program.

Referring to FIG. 1, the card issuing server 100 interworks with the interface unit 105 when a predetermined card issuing terminal 145 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 145 to the card issuing terminal 145. 110, an information receiving unit 115 for receiving predetermined card issuing application information transmitted from the card issuing terminal 145 through the user interface (or selected) in association with the interface unit 105; An information generation unit 125 for generating predetermined card information corresponding to a card to be issued to the customer based on the received card issuing application information, and the card information through a predetermined card issuing device; Card issuing unit 135 for issuing a predetermined card including, and the information storage unit 120 for storing the salary / non-salary standard medical insurance integrated operation information corresponding to the card issued to the customer in the storage medium 140 It characterized by comprising a.

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 145 when a predetermined card issuing terminal 145 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 100 via the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 105 to the card issuing terminal 145 through the network means.

Thereafter, the card issuing terminal 145 inputs (or selects) the card issuing application information based on the user interface, and sends the card issuing application information to the card issuing server through the network means. Send to 100.

According to an embodiment of the present invention, when the card issuing terminal 145 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface provider 110 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 105. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 145 through the user interface and transmits the same through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 125.

According to the implementation method of the present invention, the card issuing application information is customer information of the card issuing customer, card product information corresponding to the card issued to the customer, and pay-based medical insurance service and / or non-paying medical standard to the customer It includes at least one insurance company information providing insurance services and at least one insurance product information subscribed to the customer.

The information generating unit 125 generates predetermined card information to be provided in the card to the customer based on the card issuing application information received through the information receiving unit 115, wherein the card information is It comprises at least one virtual account number for the integrated management of the salary / non-payment based medical insurance, information on the financial institution in which the virtual account is opened, and at least one insurance company providing the integrated salary / non-payment based medical insurance management service to the customer.

According to the method of the present invention, when the pay / non-pay based medical insurance integrated card is provided with at least one direct payment function, and / or prepaid payment function, and / or credit payment function for the payment amount of the customer, The information generating unit 125 preferably generates at least one or more of direct debit information, and / or prepaid payment information, and / or credit payment information in the card information. The card issuing application information may include the debit payment application information (e.g., debit payment request information and customer financial account information for the debit payment), and / or prepaid payment application information (e.g., prepaid request information and charge for the prepaid payment). Amount information and customer financial account information (and / or payment method information) to be charged, and / or credit application information (eg, new And payment request information and credit card company information to process the credit payment).

Here, the debit payment information is the financial account information (for example, financial account number to be associated with the financial institution information and the debit card) previously opened in the financial institution, and the debit card information associated with the financial account (for example , A debit card number, or a check card number). If the card issued to the customer is an IC card, the debit payment information (eg, financial account information and debit card information) is the IC chip. It is desirable to generate a debit card application structure (e.g., a file structure recorded in a memory provided in the IC chip for the debit card function) issued to the card.

In addition, the prepaid payment information may include predetermined prepaid card information (eg, prepaid card number) and / or charge amount information charged to the prepaid card. If the card issued to the customer is an IC card, In this case, the prepaid payment information (e.g., prepaid card information and / or charge amount information) is a prepaid card application structure issued to the IC chip (e.g., a file structure recorded in a memory equipped with the IC chip for prepaid card function). It is preferable to be generated as.

The credit settlement information may include predetermined credit card information and / or credit card company information corresponding to the credit card. If the card issued to the customer is an IC card, the credit settlement information ( For example, credit card information and / or credit card company information) is preferably generated in a prepaid card application structure (e.g., a file structure recorded in the IC chip equipped memory for prepaid card function) issued to the IC chip. .

Those skilled in the art of the present invention, the card application structure corresponding to the direct debit information, and / or prepayment information, and / or credit payment information provided in the IC chip provided in the IC card (For example, a file structure recorded in the memory provided with the IC chip), the detailed description thereof will be omitted for convenience.

According to another exemplary embodiment of the present invention, the card information does not directly include the virtual account number, the financial institution information, and the insurance company information, and the card information is predetermined to be processed in association with the existing virtual account number, the financial institution information, and the insurance company information. It may include the card number (or unique ID number, or customer social security number), wherein the information generating unit 125 provides the card information (= card number) to the card issuing unit 135 to the card Issuing a card containing information (= card number), and provides the virtual account number, financial institution information and insurance company information to the information storage unit 120 to include in the salary / non-payment standard medical insurance integrated operation information It is possible to store in a predetermined storage medium 140.

When the predetermined card information provided in the card is generated by the information generating unit 125, the card issuing unit 135 produces a card including the card information through a predetermined card issuing device (or the card). And the card information), and the card is provided (or delivered) to the customer.

If the card is an MS (Magnetic Stripe) card, the card issuing device includes a device for recording the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. In this case, the information generating unit 125 generates card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 135 generates at least one card information through the card issuing device. By writing to the MS track, a predetermined card to be issued to the customer is issued.

Alternatively, if the card is an IC (Integrated Circuit) card, the card issuing device includes a device for recording the card information in a memory provided in the IC chip of the card, wherein the information generating unit 125 Generates the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 135 sends the card information through the card issuing device to the memory of the IC chip. By writing to the card, a predetermined card to be issued to the customer is issued.

The card manufactured as described above may be provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer may then use the salary / non-pay based medical insurance integrated operation system according to the present invention. The card is used.

Thereafter, the information storage unit 120 stores the card issuance request information received from the customer through the information receiving unit 115 and the customer information for receiving the card based on the card information, the card issued to the customer. Salary / including at least one or more insurance company information corresponding to the corresponding card information (e.g., information provided on the card issued to the customer), the pay-based medical insurance and / or non-wage-based medical insurance subscribed to the customer The non-payment standard medical insurance integrated operation information is stored in the storage medium 140.

When the storage medium 140 is provided to the insurer according to the method of the present invention, the salary / non-salary standard medical insurance integrated operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer It may further include at least one insurance item information that can be provided with insurance services for medical expenses, whereby the present invention is not limited.

Here, the salary / non-paid medical insurance integrated management information is the salary / non-paid medical insurance integrated management system for the medical expenses to be paid by the customer at least one or more medical institutions through the card through the salary-based medical insurance and / or non-paid medical treatment Insurance and / or customer contributions, etc., for integrated settlement.

According to the present invention, the card issuing server 100 issues a predetermined salary / non-payment standard medical insurance integrated card to the customer based on the card issuing application information (eg, by the information generating unit 125). Card information including a predetermined virtual account number is generated), corresponding to the virtual account number included in the card information on the financial system in association with a financial system provided in the financial institution through a predetermined communication means. It is characterized by comprising a virtual account establishment unit 130 for opening a virtual account.

According to one embodiment of the present invention, the virtual account is the settlement of the medical expenses at least one or more medical institutions, the payment of medical expenses and / or non-payment based medical insurance and / or the customer contributions, etc. In order to be linked to the financial institution mother account is preferably established.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, the non-benefit-based medical insurance that the customer subscribed in accordance with the salary / non-salary-based medical insurance integrated operation procedure according to the present invention If the insurance company corresponding to the request to settle a predetermined medical expenses settlement amount (e.g., the settlement amount corresponding to the non-benefit-based medical insurance of the medical expenses that the customer has to pay to the medical institution), The insurance company corresponding to the standard medical insurance deposits the medical expenses settlement amount into the financial institution mother account (or deposits a predetermined amount in the financial institution mother account, and then deposits the medical expenses settlement amount into the virtual account of the customer). And correspondingly the amount of the medical expenses settled in the After depositing money into the virtual account of the customer (and / or after a certain period of time after the medical cost settlement amount has been deposited into the virtual account of the customer), withdraw the medical cost settlement amount from the virtual account of the customer. Including the process of depositing into the medical institution account.

In addition, the settlement procedure of the medical expenses, the insurer corresponding to the salary-based medical insurance to which the customer subscribed deposits the medical expenses settlement amount to the financial institution mother account (or deposits a predetermined amount in the financial institution mother account). And depositing the medical expenses settlement amount into the virtual account of the customer), and correspondingly withdrawing the medical expenses settlement amount from the financial institution mother account and depositing it into the virtual account of the customer (and / or the After a certain period of time after the medical expenses settlement amount is deposited into the customer's virtual account), the method further comprises the step of withdrawing the medical expenses settlement amount from the virtual account of the client and depositing the funds into the medical institution account.

In addition, the settlement procedure of the medical expenses, the card company / financial company corresponding to the payment means provided on the card deposits the medical expenses settlement amount to the financial institution mother account (or deposit a predetermined amount in the financial institution mother account) And then deposit the medical expenses settlement amount into the virtual account of the customer, and correspondingly withdraw the medical expenses settlement amount from the financial institution mother account and deposit the funds into the virtual account of the customer (and / or And after a certain period of time after the medical expenses settlement amount is deposited into the virtual account of the client), withdrawing the medical expenses settlement amount from the virtual account of the client and depositing the medical expenses into the medical institution account.

According to another exemplary embodiment of the present invention, the virtual account is the settlement of the medical expenses at least one or more medical institutions, the settlement of the medical expenses based on salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution In order to process it is preferable to open in conjunction with the medical insurance integrated management institution mother account.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, the non-benefit-based medical insurance that the customer subscribed in accordance with the salary / non-salary-based medical insurance integrated operation procedure according to the present invention If the insurance company corresponding to the request to settle a predetermined medical expenses settlement amount (e.g., the settlement amount corresponding to the non-benefit-based medical insurance of the medical expenses that the customer has to pay to the medical institution), The insurance company corresponding to the standard medical insurance deposits the medical cost settlement amount into the mother insurance account of the integrated medical insurance management institution (or deposits a predetermined amount in the mother insurance account of the integrated health insurance management institution, and then sets the medical cost settlement amount to the customer. Request a deposit to the virtual account of the company) and respond to the integrated health insurance After withdrawing the medical expenses settlement amount from the official account and depositing the virtual expenses of the client (and / or after a certain period of time after the medical expenses settlement amount is deposited into the virtual account of the client); And withdrawing the medical expenses settlement amount from the account and depositing the medical expenses into the medical institution account.

In addition, the settlement procedure of the medical expenses, the insurance company corresponding to the salary-based medical insurance to which the customer subscribed, deposits the medical expenses settlement amount to the medical insurance integrated management institution mother account (or to the medical insurance integrated management institution mother account) After depositing a predetermined amount, requesting the deposit of the medical expenses settled in the virtual account of the customer), and correspondingly withdrawing the medical expenses settled amount from the mother insurance account of the integrated medical insurance management institution. After depositing in the (and / or after a certain period of time after the medical expenses settlement amount is deposited into the virtual account of the customer), withdraw the medical expenses settlement amount from the virtual account of the customer and deposits it into the medical institution account The process is further included.

In addition, the settlement procedure of the medical expenses, the card company / financial company corresponding to the payment means provided on the card and deposits the medical expenses settlement amount to the mother's account of the integrated medical insurance management institution (or the mother's account of the medical insurance integrated management institution) After depositing a predetermined amount in advance, requesting the deposit of the medical expenses settlement amount into the virtual account of the customer), and correspondingly withdrawing the medical expenses settlement amount from the mother insurance account of the integrated medical insurance management institution. After depositing into the account (and / or after a certain period of time after the medical expense settlement amount has been deposited into the virtual account of the customer), withdraw the medical expenses settlement amount from the virtual account of the customer and deposit it into the medical institution account. The process further comprises.

According to another exemplary embodiment of the present invention, the virtual account integrates the medical expenses with pay-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution when the client pays medical expenses at least one or more medical institutions. In order to process the settlement, it is preferable that the insurance company is opened in connection with the insurance company's account corresponding to the non-benefit-based medical insurance.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, the non-benefit-based medical insurance that the customer subscribed in accordance with the salary / non-salary-based medical insurance integrated operation procedure according to the present invention If the insurance company corresponding to the request to settle a predetermined medical cost settlement amount (e.g., the settlement amount corresponding to the non-wage-based medical insurance of the medical expenses that the customer has to pay to the medical institution), The insurer corresponding to the non-benefit basis medical insurance deposits the medical expenses settled amount into the insurance company's mother account (or deposits a predetermined amount in the insurance company's mother account, and then deposits the medical expenses settled amount into the virtual account of the customer. Correspondingly, withdraw the medical expenses from the insurance company's mother account. After depositing into the virtual account of the client (and / or after a certain period of time after the medical expense settlement amount is deposited into the virtual account of the client), the medical expenses settlement amount is withdrawn from the virtual account of the client. This includes depositing money into a medical institution account.

In addition, the settlement procedure of the medical expenses, the insurance company corresponding to the salary-based medical insurance subscribed to the customer deposits the medical expenses settlement amount to the insurance company mother account (or after depositing a predetermined amount in the insurance company mother account, Request to deposit the medical expenses settlement amount into the virtual account of the client), and correspondingly withdraw the medical expenses settlement amount from the insurance company account and deposit the funds into the virtual account of the client (and / or the virtual account of the client). And after a certain period of time after the medical expenses settlement amount is deposited into an account), the method further comprises the step of withdrawing the medical expenses settlement amount from the virtual account of the customer and depositing it into the medical institution account.

In addition, the settlement procedure of the medical expenses, the card company / financial company corresponding to the payment means provided on the card deposits the medical expenses settlement amount to the insurance company mother account (or after depositing a predetermined amount in the insurance company mother account, Request to deposit the medical expenses settlement amount into the virtual account of the client), and correspondingly withdraw the medical expenses settlement amount from the insurance company account and deposit the funds into the virtual account of the client (and / or the virtual account of the client). And after a certain period of time after the medical expenses settlement amount is deposited into an account), the method further comprises the step of withdrawing the medical expenses settlement amount from the virtual account of the customer and depositing it into the medical institution account.

2 is a diagram illustrating an MS card in which predetermined card information is stored for integrated management of salary / non-salary standard medical insurance according to one embodiment of the present invention.

More specifically, Figure 2 is an embodiment of the MS card for storing the card information for the automatic settlement of medical expenses through the integrated management of salary / non-payment standard medical insurance to the customer, as shown in Figure 2 for convenience The MS card shows a case in which the card information according to the present invention is stored in the Track II storage area in an MS card having a Track I storage area, a Track II storage area, and a Track III storage area. However, one of ordinary skill in the art will be able to infer various implementation methods of providing the card information to at least one or more storage areas provided in the MS card by referring to and / or modifying the present invention. It includes all the implementation methods inferred above, and is not limited to the implementation method illustrated in FIG.

According to the American Bank Association (ABA) standard, the track II storage area of the MS card can store up to 40 digits of 5-bit characters based on 75 bpi magnetic density, and start digits of one digit size (Start Sentinel). , SS, 0xB), Primary Account Number (PAN) field for storing up to 19 digits, Field Separator (FS, 0xD) with 1 digit size, Addition Data field and Discretionary Data) field, one digit end character (End Sentinel, ES, 0xF) and one digit long redundancy check (LRC).

Referring to FIG. 2, the card information is stored in a PAN field, an additional data field, and an arbitrary data field of the Track II storage area.

According to an embodiment of the present invention, the PAN field is preferably provided with the virtual account number, and / or preferably includes insurance company information corresponding to the non-benefit standard medical insurance subscribed to by the customer, and And / or further include financial institution information in which the virtual account is opened (but, if the virtual account is opened only in a predetermined financial institution, financial institution information may be omitted).

For example, the virtual account number of the customer is "123-12-1234-123", the insurance company information corresponding to the non-salary standard medical insurance subscribed to the customer is "44", and the financial institution information in which the virtual account is opened If "22", the PAN field is "2244 1231 2123 4123" in order of financial institution information, insurance company information and virtual account number, or "1231 2123 4123 2244" in order of virtual account number, financial institution information and insurance company information, Or "2212 3121 2341 2344" in order of financial institution information, virtual account information, and insurance company information, or "4412 3121 2341 2322" in order of insurance company information, virtual account information, and financial institution, thereby limiting the present invention. Not.

3 is a diagram illustrating an IC card in which card information is stored for integrated operation of a salary / non-salary standard medical insurance according to an embodiment of the present invention.

More specifically, Figure 3 is an embodiment of the IC card for storing the card information for the automatic settlement of medical expenses through the integrated management of salary / non-payment standard medical insurance to the customer, this figure 3 is a contact type for convenience A case of storing the card information according to the present invention in the memory of the IC card, a person of ordinary skill in the art to which the present invention belongs, the memory of the IC card by referring to and / or modified in Figure 3 Various implementation methods including the card information may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method illustrated in FIG.

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip's IC chip includes power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), I / O interfaces for communicating with the call terminal 300 (e.g., command or data exchange, etc.) through contact points such as programming power supplies (VPP) and / or input / output (I / O), central processing units (CPUs), MPUs A processor unit including at least one computing element including a micro process unit and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and an electrically erasable and programmable read (EPPROM). It consists of a memory unit consisting of at least one or more memory elements, including only memory (FM), flash memory (FM), etc. In particular, at least one of the memory elements (eg, ROM) to manage and operate the internal resources of the IC card Chip operating system (Chip Operating System; COS) is stored, when a predetermined power is supplied from the communication terminal 300 through the power supply (VCC) contact point of the input and output interface COS stored in the memory unit is loaded into a predetermined execution memory The IC chip and the call terminal 300 are controlled through an application protocol data unit (APDU) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. Control the exchange of information or data between them.

According to the present invention, the memory unit of the IC chip terminates at least one or more programs among programs that are loaded in the card terminal and is already driven, and drives a specific program among a plurality of programs stored in the card terminal, or the card. And a card application for executing a function of converting a screen configuration and / or a function set in the terminal into a specific screen configuration and / or a specific function, wherein the card application is read and / or read by the terminal program. A program routine for being driven or executed by a data unit for storing a data set corresponding to predetermined information or data to be used, an arithmetic function of the processor unit, and an instruction set provided by a COS, and used by the terminal program (For example, for Javacard JAVA Applet) is provided with a processing unit corresponding to an application including an instruction call code that interacts with the instruction set of the COS and execution code that is processed by a processor unit. In particular, the processing unit is configured through an APDU. Read a command provided from the terminal program via the input / output interface, and read or write at least one or more information or data stored in the data unit based on the read command, and as a result or read information or The data may be provided to the terminal program through the input / output interface through an APDU.

According to a preferred embodiment of the present invention, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202, and accordingly, the memory unit is a protection area in which secret information such as a chip serial number (CSN) is stored. And a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. The card application for the present invention includes the protection area and the COS control area. It is preferred to be stored in the area.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the purpose, the card application for the present invention also comprises such a file structure.

Referring to FIG. 3, the data unit of the card application includes a virtual account number for integrated settlement processing of pay-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, information about a financial institution where the virtual account is opened, And an element file for storing at least one insurance company information for providing a non-wage-based medical insurance service to the customer.

In addition, when the pay / non-pay based medical insurance integrated card is provided with at least one direct debit payment function for the payment amount of the customer, the IC card provides predetermined debit payment means information for the debit payment function. In the form of an application, and / or when the card is provided with at least one prepaid payment function for the payment amount of the customer, the IC card provides the prepaid payment means information for the prepaid payment function to the card application. And / or when the card is provided with at least one credit settlement function for the payment amount of the customer, the IC card provides predetermined credit settlement information for the credit settlement function in the form of the card application. It is characterized by including.

Those of ordinary skill in the art to which the present invention pertains understand the detailed technical features of the debit payment means information, and / or prepaid payment means information, and / or credit payment means information provided in the IC card. Since there will be, a detailed description thereof will be omitted for convenience.

4A, 4B, and 4C are diagrams illustrating a virtual account for medical expenses integrated settlement processing through a salary / non-salary standard medical insurance integrated operation according to one embodiment of the present invention.

In more detail, Figures 4a, 4b and 4c are the salary standards provided on the financial system in connection with the salary / non-salary standard medical insurance integrated card issued to the customer through the card issuing system shown in Fig. As an example of a virtual account for integrated settlement processing of medical insurance and / or non-payment-based medical insurance and / or the customer contribution, specifically, FIG. 4A shows the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer. A virtual account for integrated settlement processing such as a contribution is opened and linked with the financial institution mother account, and FIG. 4B shows an integrated settlement of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution. It is shown that a virtual account for processing is opened in connection with the mother account of the integrated health insurance management institution. 4c is a virtual account for integrated settlement processing of the salary-based medical insurance and / or non-salary-based medical insurance and / or the customer's contribution, etc., in association with the insurance company's mother account corresponding to the non-salary-based medical insurance to which the customer subscribes. It is shown to be opened.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 4a, 4b, and 4c, and the financial system in connection with the salary / non-salary standard health insurance integrated card issued to the customer. Various implementation methods for a virtual account for integrated settlement processing may be inferred from the salary-based medical insurance and / or non-payment-based medical insurance and / or the customer contribution provided in the above, but the present invention may infer the implementation method. It includes all, and is not limited to the embodiment shown in Figures 4a and 4b and 4c.

Referring to FIG. 4A, the ledger D / B on the financial system includes a predetermined financial institution mother account and the mother account for integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution. It comprises at least one customer virtual account that is processed in association with.

The financial institution mother account is a real account opened in the financial institution for integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, and the salary-based medical insurance and / or In the case of integrated settlement of non-benefit-based medical insurance and / or the customer's contribution, the pay-based insurance company (for example, the National Health Insurance Corporation) will settle the salary-based medical insurance settlement amount (or the premium) of the client's medical expenses to the financial institution's mother account. Amount), and provide the virtual account information to which the salary-based medical insurance settlement amount (or insurance payment amount) is finally deposited and the medical institution information to which the salary-based medical insurance settlement amount (or insurance payment amount) is settled.

In addition, at least one non-benefit-based insurance company (eg, private health insurance company) deposits the non-paid-based medical insurance settlement amount (or the payment amount) among the medical expenses of the customer to the financial institution mother account, and the non-paid-based medical insurance settlement amount It provides the virtual account information (or the amount of insurance payment) to be finally deposited and the medical institution information on which the non-benefit based medical insurance settlement amount (or the amount of the insurance payment) is settled.

In addition, the card company / financial company corresponding to the payment means provided on the card deposits the payment amount of the customer's medical expenses of the customer's medical expenses to the financial institution mother account, and the virtual account information and the customer to which the customer's payment settlement amount is finally deposited. Provide information about medical institutions whose payments will be settled.

In addition, the financial institution mother account is linked to at least one customer virtual account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution.

Here, the salary-based medical insurance settlement amount of the medical expenses of the customer from the salary-based insurance company to the financial institution mother account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution (Or the payment amount), the payment-based medical insurance settlement amount (or the payment amount) is automatically transferred to the customer virtual account.

In addition, if at least one non-wage-based insurer deposits the non-wage-based medical insurance settlement amount (or the insurance payment amount) of the client's medical expenses into the financial institution mother account, the non-payment-based medical insurance settlement amount (or the insurance payment amount) ) Is automatically transferred to the customer virtual account.

In addition, when the card company / financial company corresponding to the payment method provided on the card deposits the customer contribution settlement amount of the medical expenses of the customer to the mother institution account, the deposited customer payment settlement amount is automatically transferred to the customer virtual account. Is processed.

According to another embodiment of the present invention, the financial institution mother account of the medical expenses of the customer based on the salary-based medical insurance settlement amount (or insurance payment amount) and / or non-salary-based medical insurance settlement amount (or insurance payment amount) and / Alternatively, the amount corresponding to the amount settled by the customer may be pre-deposited.

In this case, the amount deposited in the financial institution mother account before the salary-based insurance company deposits the salary-based medical insurance settlement amount (or insurance payment amount) to the financial institution mother account is the salary-based medical insurance settlement amount (or insurance payment amount). Amount can be processed in advance to the virtual account to be deposited, and the amount of the prepayment is based on the salary basis when the salary-based medical insurance settlement amount (or the amount of the insurance payment) is deposited from the salary-based insurer to the financial institution mother account. Post-settlement is made in accordance with the medical insurance settlement amount (or insurance payment amount).

In addition, the amount deposited in the non-benefit based medical insurance account before the non-wage-based insurer deposits the non-wage-based medical insurance settlement amount (or insurance payment amount) into the financial institution mother account is the non-wage-based medical insurance settlement amount (or insurance payment amount). Amount) may be pre-paid to the virtual account to be deposited, and the amount of the prepayment is based on the non-wage basis when the non-wage-based medical insurance settlement amount (or the amount of the insurance payment) is deposited from the non-wage-based insurer to the financial institution mother account. Post-settlement is made in accordance with the medical insurance settlement amount (or insurance payment amount).

In addition, the amount deposited in the mother institution account before depositing the customer contribution settlement amount from the card company / finance company corresponding to the payment means provided on the card to the financial institution mother account to the virtual account to be deposited the customer contribution settlement amount A prepayment amount may be processed, and the prepayment amount is post-calculated in response to the customer payment settlement amount when the payment amount of the customer payment is deposited from the non-payment based insurance company to the financial institution mother account.

Referring to FIG. 4B, the ledger D / B on the financial system may include a predetermined medical insurance integrated management institution mother account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution; It includes at least one customer virtual account that is linked to the parent account.

Here, the mother insurance account integrated management institution is a real account opened in the financial institution for integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, the salary-based medical insurance And / or when the non-payment standard medical insurance and / or the customer contributions, etc. integrated settlement processing, salary-based insurers (for example, the National Health Insurance Corporation) is the base of the medical expenses of the client to the medical insurance integrated management agency mother account Deposit the insurance settlement amount (or insurance payment amount), and settle the virtual account information to which the salary based medical insurance settlement amount (or insurance payment amount) is finally deposited and the salary based medical insurance settlement amount (or insurance payment amount). Provide medical institution information to be provided.

In addition, at least one non-benefit based insurer (eg, private medical insurer) deposits a non-benefit based medical insurance settlement amount (or a benefit amount) among the medical expenses of the client to the mother insurance account of the integrated medical insurance management agency, and the non-benefit based medical insurance The virtual account information to which the insurance settlement amount (or insurance payment amount) is to be finally deposited and the medical institution information to which settlement of the non-payment based medical insurance settlement amount (or insurance payment amount) is settled are provided.

In addition, the card company / financial company corresponding to the payment means provided on the card deposits the payment amount of the customer's medical expenses of the customer's medical expenses to the mother insurance account integrated management institution, and the virtual account information to be finally deposited And provide the medical institution information to be settled.

In addition, the medical insurance integrated management institution parent account is linked to at least one customer virtual account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution.

Here, the salary-based medical insurance from the salary-based insurance company from the salary-based insurance company to the mother's account of the integrated medical insurance management institution for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contributions Upon depositing an insurance settlement amount (or an insurance payment amount), the deposited salary based medical insurance settlement amount (or an insurance payment amount) is automatically transferred to the customer virtual account.

In addition, if at least one non-wage-based insurer deposits a non-wage-based medical insurance settlement amount (or a payment amount) among the medical expenses of the client into the mother account of the integrated medical insurance management institution, the non-payment-based medical insurance settlement amount (or Insurance payment amount) is automatically transferred to the customer virtual account.

In addition, when the card company / financial company corresponding to the payment means provided on the card deposits the customer contribution settlement amount of the medical expenses of the customer to the mother insurance account integrated management institution, the deposited customer payment settlement amount is the customer virtual account Direct debit is processed.

According to another exemplary embodiment of the present invention, the medical insurance integrated management institution mother account is based on the payment of medical expenses of the customer (or insurance payment amount) and / or non-payment based medical insurance settlement amount (or insurance payment) Amount) and / or the amount corresponding to the amount settled by the customer.

In this case, the amount deposited in the medical insurance integrated management institution mother account before the salary-based insurer deposits the salary-based medical insurance settlement amount (or the amount of the insurance payment) to the medical insurance integrated management institution mother account. Settlement amount (or insurance payment amount) may be pre-paid to the virtual account to be deposited, and the advance payment amount is the salary-based medical insurance settlement amount (or insurance payment amount) from the salary-based insurer to the mother account of the integrated insurance company In the case of depositing), it is post-settled in correspondence with the salary-based medical insurance settlement amount (or insurance payment amount).

In addition, the amount deposited in the non-benefit-based insurance institution mother account before the non-benefit-based insurer deposits the non-benefit-based medical insurance settlement amount (or insurance payment amount) into the mother account of the integrated medical insurance management institution. The amount (or benefit amount) may be pre-paid to the virtual account to be deposited, and the amount of the prepayment amount is the non-benefit-based medical insurance settlement amount (or benefit payment amount) from the non-benefit basis insurer to the mother account of the integrated health insurance management institution. If the deposit is made, it is post-settled in response to the non-benefit basis medical insurance settlement amount (or insurance payment amount).

In addition, the amount deposited in the medical insurance integrated management institution mother account before the card company / financial company corresponding to the payment means provided in the card to the medical insurance integrated management institution mother account settles the customer contribution settlement amount The deposit may be prepaid to the virtual account to be deposited, and the prepaid amount is settled after the payment is made in response to the settlement amount of the customer contribution when the payment amount of the customer contribution is deposited from the non-benefit based insurer to the mother account of the integrated insurance company. Is processed.

Referring to FIG. 4C, the ledger D / B on the financial system includes at least one insurance company mother account for each insurer for integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution. It includes at least one customer virtual account associated with the parent account.

Here, the insurer's mother account is a real account opened in the financial institution for integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, and the salary-based medical insurance and / or non-salary In the integrated settlement of the standard medical insurance and / or the customer contribution, the salary standard insurance company (e.g., the National Health Insurance Service) will settle the salary-based medical insurance payment amount (or the amount paid) of the client's medical expenses to the insurance company's mother account. It provides a virtual account information to the final payment of the salary based medical insurance payment amount (or insurance payment amount) and the medical institution information to be settled the salary based medical insurance settlement amount (or insurance payment amount).

In addition, at least one non-benefit based insurer (eg, private health insurance company) deposits the non-paid standard medical insurance amount (or the amount of the insurance payment) of the client's medical expenses into the insurance company's mother account, and the non-paid standard medical insurance amount ( Or provide the virtual account information to which the payment amount) is to be finally deposited and the medical institution information to which the non-payment based medical insurance settlement amount (or insurance payment amount) is settled.

In addition, the card company / financial company corresponding to the payment means provided on the card deposits the payment amount of the customer's medical expenses of the customer's medical expenses to the insurance company's mother account, and the virtual account information and the customer's contribution to which the customer's payment settlement amount is finally deposited. Provide information about the medical institution whose settlement will be settled.

In addition, the insurance company parent account is linked to at least one customer virtual account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution.

The salary-based medical insurance settlement amount of the medical expenses of the client from the salary-based insurance company to the insured mother account for the integrated settlement processing of the salary-based medical insurance and / or the non-wage-based medical insurance and / or the customer contribution. (Or the payment amount), the payment-based medical insurance settlement amount (or the payment amount) is automatically transferred to the customer virtual account.

In addition, when the non-payment based medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the client is deposited from the at least one non-paying based insurance company to the insurer mother account, the non-payment based medical insurance settlement amount (or the insurance payment amount) Is automatically transferred to the customer virtual account.

In addition, when the card company / financial company corresponding to the payment means provided on the card deposits the payment amount of the customer's medical expenses of the customer's medical expenses to the insurance company's mother account, the deposited customer payment settlement amount is automatically transferred to the customer virtual account do.

According to another exemplary embodiment of the present invention, the insurer's mother account includes the payment based medical insurance payment amount (or insurance payment amount) and / or the non-payment based medical insurance payment amount (or insurance payment amount) and / or the medical expenses of the customer. The amount corresponding to the amount settled by the customer may be pre-deposited.

At this time, the amount deposited in the insurance company's mother account before the salary-based insurance company deposits the salary-based medical insurance settlement amount (or insurance payment amount) from the insurance company's mother account is the salary-based medical insurance settlement amount (or insurance payment amount). The prepayment may be processed into the virtual account to be deposited, and the prepaid amount is settled based on the salary based medical insurance when the salary based medical insurance settlement amount (or the payment amount) is deposited from the salary based insurance company to the insurer mother account. Post settlement is made according to the amount (or insurance payment).

In addition, the amount deposited in the insurer's mother account before the non-wage-based insurer deposits the non-wage-based medical insurance settlement amount (or insurance payment amount) from the insurer's mother account is the non-wage-based medical insurance settlement amount (or insurance payment amount). The prepaid amount may be processed to the virtual account to be deposited, and the prepaid amount is the non-wage-based medical insurance settlement amount when the non-wage-based medical insurance settlement amount (or benefit payment amount) is deposited from the non-paid-based insurance company to the insurer mother account. Post-settlement will be processed in response to the amount of insurance payment.

In addition, the amount deposited in the insurer's mother account before the deposit to the insurer's mother account from the card company / financial company corresponding to the payment method provided on the card to the virtual account to be deposited the customer's contribution settlement amount The prepaid amount may be post-settled in response to the payment amount of the customer payment when the payment amount of the customer payment is deposited from the non-payment based insurance company to the insurance company mother account.

FIG. 5 is a diagram illustrating a process of issuing a card having a virtual account for integrated operation of a salary / non-salary standard medical insurance according to one embodiment of the present invention.

In more detail, in FIG. 5, in the card issuing system shown in FIG. 1, a predetermined customer issues a predetermined card issuance interface (e.g., at least one card issuance application, an employee terminal and a network means, or a wired terminal and / or a wireless terminal. When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. As a process for issuing a predetermined card based on the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 5 to perform the salary / non-salary standard medical insurance integrated operation. Various implementation methods of issuing a card may be inferred, but the present invention includes all the inferred implementation methods, and this figure 5 It is not limited to the illustrated exemplary method.

For example, FIG. 5 illustrates that the card is produced and provided (or delivered) to the customer, and then stored as the storage medium 140 to store predetermined salary / non-salary standard medical insurance integrated operation information. According to the intention of storing the predetermined salary / non-payment standard medical insurance integrated operation information in the storage medium 140 is provided (or shipped) to the customer before the card is produced or after the card is produced It may be carried out before, by which the present invention is not limited.

Hereinafter, in FIG. 5, the card issuing terminal 145 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 5, in order to obtain the card for the salary / non-payment standard health insurance integrated operation, the customer prepares a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface, or And / or the card issuing system shown in FIG. 1 supports a non-face-to-face card issuing application, the customer enters (or selects) predetermined card issuing application information through a predetermined client terminal, and then The card issuing application information is provided to the server through the card issuing interface (500).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

The card issuing application information provided to the server through the card issuing interface may include customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and non-payment standard medical insurance service to the customer. It provides at least one insurance company information provided and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (505).

Here, the card issuance validity check confirms whether the customer has a salary-based medical insurance (eg, national medical insurance including at least one workplace / regional medical insurance) of a salary-based insurance company (eg, National Health Insurance Corporation). It is preferred to include a process to.

In addition, the card issuance validity check is preferably made to include whether the customer has subscribed to at least one non-benefit-based insurance company (for example, private medical insurance company) non-payment-based medical insurance (for example, private medical insurance). Do.

For example, in the card issuance validity checking process, the server provides the customer information (and / or insurance product information) included in the card issuance application information to a non-payment standard insurer corresponding to the insurer information included in the card issuance application information. And confirming whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance target from the insurance company.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one non-paid-based insurance company information and customer information of the insurer's non-paid-based medical insurance, the server is included in the card issuance application information. And checking whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance by using the registered insurance company information and the customer information (and / or insurance product information). have.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (510), the server provides the card issuing error information to the customer through the card issuing interface (515), Stop issuing the card to the customer.

If the validity to issue the card to the customer is authenticated through the card issuing application information (510), the server receives predetermined card information corresponding to the card to be issued to the customer based on the card issuing application information. Create 520.

Here, the card information may include a virtual account number for integrated settlement processing of salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, information of a financial institution in which the virtual account is opened, and non-payment based medical treatment to the customer. It is preferable to include at least one or more insurance company information providing insurance services.

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server produces a predetermined card with the card information through a predetermined card issuing device and provides (or delivers) the predetermined card to the customer (525).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device records the card information on at least one or more MS tracks (eg, track I, track II, and track III) included in the card. It is preferable to include an apparatus.

According to another embodiment of the present invention, if the card is an IC card, the card issuing device preferably includes an apparatus for recording the card information in a memory provided in the IC chip of the card.

Subsequently, the server generates predetermined salary / non-salary standard medical insurance integrated operation information through the card issuance application information and the generated card information provided from the customer through the card issuing interface (530), and the salary / non-salary The standard medical insurance integrated operation information is stored in the storage medium 140 (535).

Here, the salary / non-payment standard medical insurance integrated operation information is the customer information issuing the card, card information corresponding to the card issued to the customer (for example, information provided in the card issued to the customer), the customer subscribes It is preferable to include at least one insurance company information corresponding to one non-benefit-based medical insurance.

When the storage medium 140 is provided to the insurer according to the method of the present invention, the salary / non-salary standard medical insurance integrated operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for medical expenses, whereby the present invention is not limited.

According to the implementation method of the present invention, the storage medium 140 is provided on the financial system integrated management system (or associated with the salary / non-paid medical insurance integrated management system) on a predetermined financial system. Predetermined at a DBMS and / or linked with a server (or device) that performs a predetermined information processing function using the salary / non-salary standard medical insurance integrated operation information on the salary / non-salary standard medical insurance integrated operation system. It is preferable to be provided in a DBMS.

In addition, the salary / non-salary standard medical insurance integrated operation information stored in the storage medium 140 is the salary / non-salary standard medical insurance integrated operating system on the salary / non-salary based medical insurance salary medical expenses to be paid by at least one medical institution through a card Standard medical insurance and / or non-benefit Standard medical insurance and / or the customer contribution.

FIG. 6 is a diagram illustrating a process of issuing a card having a virtual account for the integrated operation of the salary / non-salary standard medical insurance according to another embodiment of the present invention.

In more detail, in FIG. 6, in the card issuing system shown in FIG. 1, a predetermined customer may have a predetermined card issuing interface (e.g., a card issuance application, an employee terminal and a network means, or a wired terminal and / or a wireless terminal). When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through a client terminal and a network means including one or more), the card issuing application is performed by the card issuing server 100. According to an embodiment of the present invention, a card is issued to the customer based on information, and the card is provided with a predetermined direct debit function for debiting a customer's burden of medical expenses to be paid to the medical institution. Those skilled in the art to which this pertains, reference to and / or modification of this figure 6 salary / non-payment criteria For medical insurance integrated operation would be able to infer the various exemplary method of issuing the card, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 6.

For example, FIG. 6 illustrates that the card is produced and provided (or delivered) to the customer, and then stored as the storage medium 140 to store predetermined salary / non-salary standard medical insurance integrated operation information. According to the intention of storing the predetermined salary / non-payment standard medical insurance integrated operation information in the storage medium 140 is provided (or shipped) to the customer before the card is produced or after the card is produced It may be carried out before, and thereby the present invention is not limited.

Hereinafter, in FIG. 6, the card issuing terminal 145 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 6, in order to obtain the card for the salary / non-payment standard health insurance integrated operation, the customer prepares a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface; And / or the card issuing system shown in FIG. 1 supports a non-face-to-face card issuing application, the customer enters (or selects) predetermined card issuing application information through a predetermined client terminal, and then The card issuing application information is provided to the server through the card issuing interface (600).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

The card issuing application information provided to the server through the card issuing interface may include customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and non-payment standard medical insurance service to the customer. It provides at least one insurance company information provided and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (605).

Here, the card issuance validity check confirms whether the customer has a salary-based medical insurance (eg, national medical insurance including at least one workplace / regional medical insurance) of a salary-based insurance company (eg, National Health Insurance Corporation). It is preferred to include a process to.

In addition, the card issuance validity check is preferably made to include whether the customer has subscribed to at least one non-benefit-based insurance company (for example, private medical insurance company) non-payment-based medical insurance (for example, private medical insurance). Do.

For example, in the card issuance validity checking process, the server provides the customer information (and / or insurance product information) included in the card issuance application information to a non-payment standard insurer corresponding to the insurer information included in the card issuance application information. And checking whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance target from the insurance company.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one non-paid-based insurance company information and customer information of the insurer's non-paid-based medical insurance, the server is included in the card issuance application information. And checking whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance by using the registered insurance company information and the customer information (and / or insurance product information). have.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (610), the server provides card issuing error information to the customer through the card issuing interface (615), Stop issuing the card to the customer.

If the validity to issue the card to the customer is authenticated through the card issuing application information (610), the server generates predetermined card information corresponding to the card to be issued to the customer based on the card issuing application information. (620).

Here, the card information may include a virtual account number for integrated settlement processing of salary-based medical insurance and / or non-wage-based medical insurance and / or the customer's contribution, financial institution information on which the virtual account is opened, and non-payment based medical treatment to the customer. It is preferable to include at least one or more insurance company information providing insurance services.

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server verifies the validity of whether the card issued to the customer may be provided with a predetermined direct debit function for debiting the customer fee that is to be finally paid to a predetermined medical institution (625). It is preferable that the card issuance application information provided from the customer further includes the direct debit application information.

Here, the validity check of the direct debit function is at least one customer financial account that can be processed in connection with the direct debit function on the financial system based on the debit payment application information included in the card issuance application information. It is preferable to include at least one process of confirming whether there is already established, and the process of confirming whether the customer financial account is an activated financial account (or not a dormant account).

If the card cannot be provided with a predetermined direct debit function for direct debit processing of the customer's payment due to the final payment to a predetermined medical institution (630), the server provides the card information through a predetermined card issuing device. Produces a predetermined card having a provided to the customer (or shipped) (645).

On the other hand, if the card can be provided with a predetermined direct debit function to allow the customer to pay the deductible for the final payment to a predetermined medical institution (630), the server based on the card issuing application information Generates predetermined debit information for providing the direct debit function through 635, and the customer determinates the medical expenses of the customer through the debit payment function provided in the card in connection with the financial system. After the debit payment information and the customer financial account are linked and processed to directly debit the customer charges to be finally paid to a medical institution (640), the predetermined information including the card information and the debit payment information is provided through a predetermined card issuing device. The card is manufactured and provided (or shipped) to the customer (645).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device stores the card information (and / or information) in at least one or more MS tracks (e.g., track I, track II, track III) included in the card. It is preferable to include a device for recording direct debit information).

According to another embodiment of the present invention, if the card is an IC card, the card issuing apparatus includes an apparatus for recording the card information (and / or direct debit information) in a memory provided in the IC chip of the card. It is preferable.

Subsequently, the server generates predetermined salary / non-salary standard medical insurance integrated operation information through the card issuance application information and the generated card information provided from the customer through the card issuing interface (650), and the salary / non-salary The standard medical insurance integrated operation information is stored in the storage medium 140 (655).

Here, the salary / non-payment standard medical insurance integrated operation information is the customer information issuing the card, card information corresponding to the card issued to the customer (for example, information provided in the card issued to the customer), the customer subscribes It is preferable to include at least one insurance company information corresponding to one non-benefit-based medical insurance.

According to an embodiment of the present invention, when the storage medium 140 is provided to the insurance company, the salary / non-salary standard medical insurance integrated operation information corresponds to insurance product information subscribed to the customer and insurance product subscribed to by the customer. It may further include at least one insurance item information that can be provided with insurance services for medical expenses, whereby the present invention is not limited.

According to the implementation method of the present invention, the storage medium 140 is provided on the financial system integrated management system (or associated with the salary / non-paid medical insurance integrated management system) on a predetermined financial system. Predetermined at a DBMS and / or linked with a server (or device) that performs a predetermined information processing function using the salary / non-salary standard medical insurance integrated operation information on the salary / non-salary standard medical insurance integrated operation system. It is preferable to be provided in a DBMS.

In addition, the salary / non-salary standard medical insurance integrated operation information stored in the storage medium 140 is the salary / non-salary standard medical insurance integrated operating system on the salary / non-salary based medical insurance salary medical expenses to be paid by at least one medical institution through a card Standard medical insurance and / or non-benefit Standard medical insurance and / or the customer contribution.

FIG. 7 is a diagram illustrating a process of issuing a card having a virtual account for integrated operation of salary / non-salary standard medical insurance according to another embodiment of the present invention.

In more detail, in FIG. 7, a predetermined customer is assigned a predetermined card issuance interface (eg, at least one card issuance application, an employee terminal and a network means, or a wired terminal and / or a wireless terminal) in the card issuing system shown in FIG. 1. When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. The card issuing to the customer based on the process of issuing a predetermined prepayment function to allow the customer to prepay the prepayment of the final payment to the predetermined medical institution, the process for issuing, For those of ordinary skill in the art, referring to and / or modifying the drawing of FIG. Would be able to infer a variety of exemplary ways to issue the card for the integration operation, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 7.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs must have the customer make a final payment to a predetermined medical institution on a card issued to the customer through the method shown in FIGS. 6 and 7. It may be inferred to be an implementation method further comprising a predetermined credit settlement function for crediting a charge, but the present invention includes an implementation method having the credit settlement function, and the present invention is not limited thereto.

In addition, FIG. 7 illustrates that the card is produced and provided (or delivered) to the customer, and then stored as the storage medium 140 to store predetermined salary / non-salary standard medical insurance integrated operation information. According to the intention of storing the predetermined salary / non-payment standard medical insurance integrated operation information in the storage medium 140 is provided (or shipped) to the customer before the card is produced or after the card is produced It may be carried out before, and thereby the present invention is not limited.

Hereinafter, in FIG. 7, the card issuing terminal 145 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 7, in order to obtain the card for the salary / non-payment standard health insurance integrated operation, the customer prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface; And / or the card issuing system shown in FIG. 1 supports a non-face-to-face card issuing application, the customer enters (or selects) predetermined card issuing application information through a predetermined client terminal, and then The card issuing application information is provided to the server through the card issuing interface (700).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

The card issuing application information provided to the server through the card issuing interface may include customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and non-payment standard medical insurance service to the customer. It provides at least one insurance company information provided and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (705).

Here, the card issuance validity check confirms whether the customer has a salary-based medical insurance (eg, national medical insurance including at least one workplace / regional medical insurance) of a salary-based insurance company (eg, National Health Insurance Corporation). It is preferred to include a process to.

In addition, the card issuance validity check is preferably made to include whether the customer has subscribed to at least one non-benefit-based insurance company (for example, private medical insurance company) non-payment-based medical insurance (for example, private medical insurance). Do.

For example, in the card issuance validity checking process, the server provides the customer information (and / or insurance product information) included in the card issuance application information to a non-payment standard insurer corresponding to the insurer information included in the card issuance application information. And confirming whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance target from the insurance company.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one non-paid-based insurance company information and customer information of the insurer's non-paid-based medical insurance, the server is included in the card issuance application information. And checking whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance by using the registered insurance company information and the customer information (and / or insurance product information). have.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (710), the server provides the card issuing error information to the customer through the card issuing interface (715). Stop issuing the card to the customer.

If the validity to issue the card to the customer is authenticated through the card issuing application information (710), the server generates predetermined card information corresponding to the card to be issued to the customer based on the card issuing application information. 720.

Here, the card information may include a virtual account number for integrated settlement processing of salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, information of a financial institution in which the virtual account is opened, and non-payment based medical treatment to the customer. It is preferable to include at least one or more insurance company information providing insurance services.

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server checks the validity of the card issued to the customer to have a predetermined prepayment function for prepaying the customer's payment to the predetermined medical institution (725). It is preferable that the card issuance application information provided from the customer further includes the prepaid application information.

In this case, the validity check on the prepaid payment function may include a process of filling a prepaid payment amount with the prepaid payment function in connection with a financial system based on the prepaid payment application information included in the card issuance application information. When the amount of money is charged from the financial account of the customer, checking whether the amount of money for charging the amount of money is deposited in the customer financial account, when the amount of money is charged from the payment means of the customer , The process of checking whether the charge amount can be charged through the customer payment means.

If the card cannot be provided with a predetermined prepayment function for prepaying the customer's payment due to the final payment to a predetermined medical institution (730), the server provides the card information through a predetermined card issuing device. Produce a predetermined card having a provided to the customer (or delivery) (745).

On the other hand, if the card can be provided with a predetermined prepaid payment function to allow the customer to prepay the customer owing to be finally paid to a predetermined medical institution (730), the server based on the card issuance application information After generating predetermined prepaid information for providing the prepaid function through (735), and processing to charge a predetermined amount of money in the prepaid function provided in the card in connection with the financial system (740) In operation 745, a predetermined card including the card information and the prepaid payment information is manufactured and provided to the customer through a predetermined card issuing device.

According to an embodiment of the present invention, if the card is an MS card, the card issuing device may include the card information (and / or information) on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to include an apparatus for recording prepaid information).

According to another embodiment of the present invention, if the card is an IC card, the card issuing device includes an apparatus for recording the card information (and / or prepaid payment information) in a memory provided in the IC chip of the card. It is preferable.

Subsequently, the server generates predetermined salary / non-salary standard medical insurance integrated operation information through the card issuance application information and the generated card information provided from the customer through the card issuing interface (750), and the salary / non-salary The standard medical insurance integrated operation information is stored in the storage medium 140 (755).

Here, the salary / non-payment standard medical insurance integrated operation information is the customer information issuing the card, card information corresponding to the card issued to the customer (for example, information provided in the card issued to the customer), the customer subscribes It is preferable to include at least one insurance company information corresponding to one non-benefit-based medical insurance.

When the storage medium 140 is provided to the insurer according to the method of the present invention, the salary / non-salary standard medical insurance integrated operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for medical expenses, whereby the present invention is not limited.

According to the implementation method of the present invention, the storage medium 140 is provided on the financial system integrated management system (or associated with the salary / non-paid medical insurance integrated management system) on a predetermined financial system. Predetermined at a DBMS and / or linked with a server (or device) that performs a predetermined information processing function using the salary / non-salary standard medical insurance integrated operation information on the salary / non-salary standard medical insurance integrated operation system. It is preferable to be provided in a DBMS.

In addition, the salary / non-salary standard medical insurance integrated operation information stored in the storage medium 140 is the salary / non-salary standard medical insurance integrated operating system on the salary / non-salary based medical insurance salary medical expenses to be paid by at least one medical institution through a card Standard medical insurance and / or non-benefit Standard medical insurance and / or the customer contribution.

8 is a diagram illustrating a card issuing system for integrated operation of salary / non-salary standard medical insurance according to another embodiment of the present invention.

In more detail, Figure 8 is a predetermined customer provides a card issuance application information for the integrated salary / non-salary standard medical insurance management operation according to the present invention through a predetermined card issuance interface, The present invention relates to a system for issuing a salary / non-salary standard medical insurance integrated card associated with a predetermined virtual account to the customer based on the provided card issuance application information in the salary / non-salary standard medical insurance integrated management system. Those skilled in the art will be able to infer various implementation methods for the card issuing system configuration for the integrated operation of the salary / non-salary standard medical insurance by referring to and / or modifying the drawing 8, but the present invention Includes all the implementation methods inferred, and only the implementation method shown in FIG. It shall not be limited.

Hereinafter, at least one means and / or functional configuration for issuing a predetermined card to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. The corresponding component is referred to as "card issuing server 100" for convenience.

Referring to FIG. 8 according to the embodiment of the present invention, the card issuing system for integrated operation of the salary / non-salary standard medical insurance according to the present invention is a card for issuing a predetermined salary / non-salary standard medical insurance integrated card to the customer. Issuing server 100, characterized in that made, the card issuing server 100 is provided in a predetermined financial institution, and / or to the automatic settlement of medical expenses through the integrated operation of the salary / non-salary standard medical insurance Or at one or more insurers (e.g., National Health Insurance Corporation, private health insurance company, etc.) that are provided in the integrated medical insurance management agency that provides processing, and / or provide the client with integrated salary / non-payment medical insurance services. All are possible, and the present invention is not limited thereby.

However, FIG. 8 illustrates that the card issuing server 100 is provided in the financial institution for efficient explanation of the present invention.

According to the invention, the card issuing server 100 issuing a process (and / or after issuing a card) a predetermined salary / non-salary standard medical insurance integrated card to the customer to the customer, the salary / non-salary standard medical care It is characterized in that through the predetermined communication means and the financial system in which a predetermined virtual account corresponding to the card is opened for insurance integrated operation.

Here, when the card issuing server 100 is provided in the financial institution, the card issuing server 100 is preferably linked with the financial system through a predetermined internal communication means (for example, our network), When the card issuing server 100 is provided at an institution other than the financial institution, the card issuing server 100 is provided through a predetermined external communication means (for example, a financial common network or a dedicated communication network having a security function). It is desirable to work with financial systems.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 8, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

Referring to this figure 8 according to the embodiment of the present invention, the card issuance system is characterized in that it comprises an employee terminal used by the card issuing staff provided with at least one financial institution, and / or the card issuing system When supporting the non-face-to-face card issuance application, characterized in that comprises a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, the employee terminal and / or client terminal The communication channel is connected to the card issuing server 100 provided on the salary / non-payment standard medical insurance integrated operation system through a predetermined network means.

According to one embodiment of the present invention, the customer visits the financial institution for the integrated operation of the salary / non-payment standard medical insurance according to the present invention and through a window provided at the financial institution (or through a card issuing staff). Prepare a predetermined card issuance application (eg, a document having a form for filling in at least one information item for the integrated operation of the salary / non-benefit based health insurance) and / or the When a card issuer visits the customer and asks the customer to fill out a predetermined card issuance application for the integrated management of the salary / non-payment standard health insurance), and submits the completed card issuance application to the card issuing staff. The card issuing officer can enter the information on the card issuance application form through a predetermined staff terminal. Is input (or selected), and the employee terminal transmits the input (or selected) information to the card issuing server 100 provided on the salary / non-salary standard medical insurance integrated management system through the network means. desirable.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the financial institution, the card issuing server 100 connected to the employee terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the employee terminal and the card issuing server 100 is a financial network (for example, to connect the communication channel between the employee terminal and the card issuing server 100) Net).

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 100 is viewed by the customer. It performs the function of the card issuing interface for registering the card issuing application information for the integrated operation of the salary / non-payment standard medical insurance according to the invention.

According to another embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. The card for accessing the card issuance server 100 through at least one or more client terminals, and through the at least one user interface provided by the card issuance server 100 for the integrated operation of the salary / non-payment standard medical insurance according to the present invention. When the issue application information is input (or selected), it is preferable that the client terminal transmits the card application server 100 provided on the salary / non-salary standard medical insurance integrated operation system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the card issuing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the card issuing server 100 and / Or the wireless network performs the function of the card issuing interface for the customer to register the card issuance application information for the salary / non-paid standard medical insurance integrated operation according to the present invention.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 145, in addition to the employee terminal and / or client terminal, a predetermined financial network It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, A terminal (and / or service) further comprising a predetermined call terminal (not shown) connected to the same wireless telephone network, and / or provided in at least one or more institutions affiliated with the financial institution. ) (It may further comprise a not shown), to which the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 145 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 100 performs a function of the card issuing interface for registering the card issuance application information for the customer integrated management operation of the salary / non-payment standard medical insurance according to the present invention. And / or the card issuing terminal 145 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 100. And / or the wireless telephone network performs a function of a card issuing interface for the customer to register card issuance application information for the integrated operation of the salary / non-payment standard medical insurance according to the present invention. And / or the terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the card issuing terminal 145 (not shown), and The network connecting the terminal (and / or server) (not shown) and the card issuing server 100 is for the customer to register card issuance application information for salary / non-salary standard medical insurance integrated operation according to the present invention. Functions as a card issue interface.

The storage medium 140 provided on the salary / non-salary standard medical insurance integrated operation system according to the present invention issues a predetermined card to the customer based on the card issuance application information provided from the card issuing terminal 145. Then, the salary / non-salary standard medical insurance integrated management information according to the card issuance is stored, and the salary / non-salary standard medical insurance integrated operation information stored in the storage medium 140 is salary / non-salary standard medical insurance It is used for the integrated operation of the salary / non-salary standard medical insurance according to the present invention on the integrated operation system.

According to an exemplary embodiment of the present invention, the storage medium 140 is provided on the salary / non-salary standard medical insurance integrated management system (or linked with the salary / non-salary standard medical insurance integrated management system). Preferably, the storage medium 140 is a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database (not shown) associated with the ledger D / B. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 140 performs a predetermined information processing function using the salary / non-salary standard medical insurance integrated operation information on the salary / non-salary standard medical insurance integrated operation system. (Or a device) is preferably provided in a predetermined DBMS, the location where the storage medium 140 is provided may be variously carried out according to the intention of those skilled in the art, whereby the present invention is not limited. .

The card issuing server 100 provided on the salary / non-salary standard medical insurance integrated operation system according to the present invention is the salary / non-salary standard medical insurance integrated operation connected to the card issuing terminal 145 through a predetermined network means. A generic term for system-side components, which may be implemented including at least one server (or device), and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), Thereby, this invention is not limited.

According to the embodiment of the present invention, the card issuing server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined card issuing interface to the card issuing terminal 145 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 145 is an employee terminal connected to a predetermined financial network, the interface unit 105 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 8, the card issuing server 100 interworks with the interface unit 105 when a predetermined card issuing terminal 145 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 145 to the card issuing terminal 145. 110, an information receiving unit 115 for receiving predetermined card issuing application information transmitted from the card issuing terminal 145 through the user interface (or selected) in association with the interface unit 105; An information generation unit 125 for generating predetermined card information corresponding to a card to be issued to the customer based on the received card issuing application information, and the card information through a predetermined card issuing device; Card issuing unit 135 for issuing a predetermined card including, and the information storage unit 120 for storing the salary / non-salary standard medical insurance integrated operation information corresponding to the card issued to the customer in the storage medium 140 Characterized in that is made with.

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 145 when a predetermined card issuing terminal 145 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 100 via the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 105 to the card issuing terminal 145 through the network means.

Thereafter, the card issuing terminal 145 inputs (or selects) the card issuing application information based on the user interface, and sends the card issuing application information to the card issuing server through the network means. Send to 100.

According to an embodiment of the present invention, when the card issuing terminal 145 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface provider 110 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 105. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 145 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 145 through the user interface and transmits the same through the network means. Characterized in that the card issuance request information is received, the received card issuance application information is provided to the information generation unit (125).

According to an embodiment of the present invention, the card issuing application information may include customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and insurance company information for providing a non-benefit based medical insurance service to the customer. It comprises at least one insurance product information subscribed to the customer.

The information generating unit 125 generates predetermined card information to be provided in the card to the customer based on the card issuing application information received through the information receiving unit 115, wherein the card information is It comprises at least one of a predetermined card number, or customer ID information, or a customer social security number, the card information is provided to the card issuing unit 135.

In addition, the information generating unit 125 for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution to be processed in conjunction with the card information based on the card issuance application information. It is preferable to further generate a virtual account number, information on the financial institution in which the virtual account is opened, and insurance company information for providing non-payment-based medical insurance services to the customer, wherein the virtual account number, financial institution information, and insurance company information are It is provided to the information storage unit 120 is stored in association with the card information in a predetermined storage medium 140.

According to the method of the present invention, when the pay / non-pay based medical insurance integrated card is provided with at least one direct payment function, and / or prepaid payment function, and / or credit payment function for the payment amount of the customer, The information generating unit 125 preferably generates at least one or more of direct debit information, and / or prepaid payment information, and / or credit payment information in the card information. The card issuing application information may include the debit payment application information (e.g., debit payment request information and customer financial account information for the debit payment), and / or prepaid payment application information (e.g., prepaid request information and charge for the prepaid payment). Amount information and customer financial account information (and / or payment method information) to be charged, and / or credit application information (eg, new And payment request information and credit card company information for processing the credit payment).

Here, the debit payment information is the financial account information (for example, financial account number to be associated with the financial institution information and the debit card) previously opened in the financial institution, and the debit card information associated with the financial account (for example , A debit card number, or a check card number). If the card issued to the customer is an IC card, the debit payment information (eg, financial account information and debit card information) is the IC chip. It is desirable to generate a debit card application structure (e.g., a file structure recorded in a memory provided in the IC chip for the debit card function) issued to the card.

In addition, the prepaid payment information may include predetermined prepaid card information (eg, prepaid card number) and / or charge amount information charged to the prepaid card. If the card issued to the customer is an IC card, In this case, the prepaid payment information (e.g., prepaid card information and / or charge amount information) is a prepaid card application structure issued to the IC chip (e.g., a file structure recorded in a memory equipped with the IC chip for prepaid card function). It is preferable to be generated as.

The credit settlement information may include predetermined credit card information and / or credit card company information corresponding to the credit card. If the card issued to the customer is an IC card, the credit settlement information ( For example, credit card information and / or credit card company information) is preferably generated with a prepaid card application structure (e.g., a file structure recorded in the IC chip equipped memory for prepaid card function) issued to the IC chip.

Those skilled in the art of the present invention, the card application structure corresponding to the direct debit information, and / or prepayment information, and / or credit payment information provided in the IC chip provided in the IC card (For example, a file structure recorded in the memory provided with the IC chip), the detailed description thereof will be omitted for convenience.

When the predetermined card information provided in the card is generated by the information generating unit 125, the card issuing unit 135 produces a card including the card information through a predetermined card issuing device (or the card). And the card information), and the card is provided (or delivered) to the customer.

If the card is an MS (Magnetic Stripe) card, the card issuing device includes a device for recording the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. In this case, the information generating unit 125 generates card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 135 generates at least one card information through the card issuing device. By writing to the MS track, a predetermined card to be issued to the customer is issued.

Alternatively, if the card is an IC (Integrated Circuit) card, the card issuing device includes a device for recording the card information in a memory provided in the IC chip of the card, wherein the information generating unit 125 Generates the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 135 sends the card information through the card issuing device to the memory of the IC chip. By writing to the card, a predetermined card to be issued to the customer is issued.

The card manufactured as described above may be provided to the customer and / or delivered to the customer according to a predetermined card providing procedure, and the customer may then use the salary / non-pay based medical insurance integrated operation system according to the present invention. The card is used.

Thereafter, the information storage unit 120 stores the card issuance request information received from the customer through the information receiving unit 115 and the customer information for receiving the card based on the card information, the card issued to the customer. Virtual account information including corresponding card information (for example, information provided on a card issued to a customer), a virtual account number linked to the card information, and financial institution information on which the virtual account is opened, and the customer has subscribed. Salary / non-paid standard medical insurance integrated operation information including at least one insurance company information corresponding to the non-paid standard medical insurance is characterized in that the storage medium 140 is stored.

When the storage medium 140 is provided to the insurer according to the method of the present invention, the salary / non-salary standard medical insurance integrated operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for medical expenses, whereby the present invention is not limited.

Here, the salary / non-paid medical insurance integrated management information is the salary / non-paid medical insurance integrated management system for the medical expenses to be paid by the customer at least one or more medical institutions through the card through the salary-based medical insurance and / or non-paid medical treatment Insurance and / or customer contributions, etc., for integrated settlement.

According to the present invention, the card issuing server 100 issues a predetermined salary / non-payment standard medical insurance integrated card to the customer based on the card issuing application information (eg, by the information generating unit 125). When a predetermined virtual account number is generated), a virtual account corresponding to the virtual account number included in the card information is opened on the financial system in connection with a financial system provided in the financial institution through a predetermined communication means. It is characterized by comprising a virtual account opening portion 130.

According to one embodiment of the present invention, the virtual account is the settlement of the medical expenses at least one or more medical institutions, the payment of medical expenses and / or non-payment based medical insurance and / or the customer contributions, etc. In order to be linked to the financial institution mother account is preferably established.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, the non-benefit-based medical insurance that the customer subscribed in accordance with the salary / non-salary-based medical insurance integrated operation procedure according to the present invention If the insurance company corresponding to the request to settle a predetermined medical expenses settlement amount (e.g., the settlement amount corresponding to the non-payment-based medical insurance of the medical expenses that the customer has to pay to the medical institution), The insurance company corresponding to the standard medical insurance deposits the medical expenses settlement amount into the financial institution mother account (or deposits a predetermined amount in the financial institution mother account, and then deposits the medical expenses settlement amount into the virtual account of the customer). And correspondingly the amount of the medical expenses settled in the After depositing money into the virtual account of the customer (and / or after a certain period of time after the medical cost settlement amount has been deposited into the virtual account of the customer), withdraw the medical cost settlement amount from the virtual account of the customer. Including the process of depositing into the medical institution account.

In addition, the settlement procedure of the medical expenses, the insurer corresponding to the salary-based medical insurance to which the customer subscribed deposits the medical expenses settlement amount to the financial institution mother account (or deposits a predetermined amount in the financial institution mother account). And depositing the medical expenses settlement amount into the virtual account of the customer), and correspondingly withdrawing the medical expenses settlement amount from the financial institution mother account and depositing it into the virtual account of the customer (and / or the After a certain period of time after the medical expenses settlement amount is deposited into the customer's virtual account), the method further comprises the step of withdrawing the medical expenses settlement amount from the virtual account of the client and depositing the funds into the medical institution account.

In addition, the settlement procedure of the medical expenses, the card company / financial company corresponding to the payment means provided on the card deposits the medical expenses settlement amount to the financial institution mother account (or pre-deposited a predetermined amount to the financial institution mother account) And depositing the medical expenses settlement amount into the virtual account of the customer), and correspondingly withdrawing the medical expenses settlement amount from the financial institution mother account and depositing it into the virtual account of the customer (and / or the After a certain period of time after the medical expenses settlement amount is deposited into the customer's virtual account), the method further comprises the step of withdrawing the medical expenses settlement amount from the virtual account of the client and depositing the funds into the medical institution account.

According to another exemplary embodiment of the present invention, the virtual account is the settlement of the medical expenses at least one or more medical institutions, the settlement of the medical expenses based on salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution In order to process it is preferable to open in conjunction with the medical insurance integrated management institution mother account.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, the non-benefit-based medical insurance that the customer subscribed in accordance with the salary / non-salary-based medical insurance integrated operation procedure according to the present invention If the insurance company corresponding to the request to settle a predetermined medical cost settlement amount (e.g., the settlement amount corresponding to the non-wage-based medical insurance of the medical expenses that the customer has to pay to the medical institution), The insurer corresponding to the non-benefit basis medical insurance deposits the medical expenses settlement amount into the mother insurance account of the integrated medical insurance management institution (or deposits a certain amount in advance in the mother insurance account of the integrated medical insurance management institution, and then stores the medical expenses settlement amount. Request deposit to the customer's virtual account) and respond to the integrated medical insurance After withdrawing the medical expenses settlement amount from the official account and depositing the virtual expenses of the client (and / or after a certain period of time after the medical expenses settlement amount is deposited into the virtual account of the client); And withdrawing the medical expenses settlement amount from the account and depositing the medical expenses into the medical institution account.

In addition, the settlement procedure of the medical expenses, the insurance company corresponding to the salary-based medical insurance to which the customer subscribed, deposits the medical expenses settlement amount to the medical insurance integrated management institution mother account (or to the medical insurance integrated management institution mother account) After depositing a predetermined amount, requesting the deposit of the medical expenses settled in the virtual account of the customer), and correspondingly withdrawing the medical expenses settled amount from the mother insurance account of the integrated medical insurance management institution. After depositing in the (and / or after a certain period of time after the medical expenses settlement amount is deposited into the virtual account of the customer), withdraw the medical expenses settlement amount from the virtual account of the customer and deposits it into the medical institution account The process is further included.

In addition, the settlement procedure of the medical expenses, the card company / financial company corresponding to the payment means provided in the card and the amount of the medical expenses settled to the medical insurance integrated management institution mother account (or to the medical insurance integrated management institution mother account) After depositing a predetermined amount, requesting the deposit of the medical expenses settled in the virtual account of the customer), and correspondingly withdrawing the medical expenses settled amount from the mother insurance account of the integrated medical insurance management institution. After depositing in the (and / or after a certain period of time after the medical expenses settlement amount is deposited into the virtual account of the customer), withdraw the medical expenses settlement amount from the virtual account of the customer and deposits it into the medical institution account The process is further included.

According to another exemplary embodiment of the present invention, the virtual account integrates the medical expenses with pay-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution when the client pays medical expenses at least one or more medical institutions. In order to process the settlement, it is preferable that the insurance company is opened in connection with the insurance company's account corresponding to the non-benefit-based medical insurance.

At this time, the procedure for the settlement of medical expenses, after the customer is provided with medical services at least one or more medical institutions, the non-benefit-based medical insurance that the customer subscribed in accordance with the salary / non-salary-based medical insurance integrated operation procedure according to the present invention If the insurance company corresponding to the request to settle a predetermined medical expenses settlement amount (e.g., the settlement amount corresponding to the non-benefit-based medical insurance of the medical expenses that the customer has to pay to the medical institution), The insurance company corresponding to the standard medical insurance deposits the medical cost settlement amount to the insurance company's mother account (or deposits a predetermined amount in the insurance company's mother account, and then deposits the medical cost settlement amount to the virtual account of the customer. Correspondingly, withdraw the medical expenses from the insurance company's mother account. After depositing into the virtual account of the client (and / or after a certain period of time after the medical expense settlement amount is deposited into the virtual account of the client), the medical expenses settlement amount is withdrawn from the virtual account of the client. This includes depositing money into a medical institution account.

In addition, the settlement procedure of the medical expenses, the insurance company corresponding to the salary-based medical insurance subscribed to the customer deposits the medical expenses settlement amount to the insurance company mother account (or after depositing a predetermined amount in the insurance company mother account, Request to deposit the medical expenses settlement amount into the virtual account of the client), and correspondingly withdraw the medical expenses settlement amount from the insurance company account and deposit the funds into the virtual account of the client (and / or the virtual account of the client). And after a certain period of time after the medical expenses settlement amount is deposited into an account), the method further comprises the step of withdrawing the medical expenses settlement amount from the virtual account of the customer and depositing it into the medical institution account.

In addition, the settlement procedure of the medical expenses, after depositing the medical expenses settlement amount to the insurer's parent account from the card company / financial company corresponding to the payment means provided on the card (or after depositing a predetermined amount in the insurer's mother account) Requesting the deposit of the medical cost settlement amount to the virtual account of the customer), and correspondingly withdrawing the medical cost settlement amount from the insurance company account and depositing the amount into the virtual account of the customer (and / or the customer's virtual account). And after a certain period of time has passed after the medical expenses settlement amount is deposited into the virtual account), withdrawing the medical expenses settlement amount from the virtual account of the customer and depositing the medical expenses into the medical institution account.

9 is a diagram illustrating an MS card in which predetermined card information is stored according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates an embodiment of an MS card for storing card information for integrated settlement of a predetermined salary-based medical insurance and / or a non-wage-based medical insurance and / or the customer contribution to the customer. For convenience, the MS card shown in FIG. 9 shows a case in which an MS card having a Track I storage area, a Track II storage area, and a Track III storage area stores card information according to the present invention in the Track II storage area. As those skilled in the art to which the present invention pertains, various embodiments of the present invention infer that the card information is provided in at least one or more storage areas provided in the MS card by referring to and / or modifying the drawing. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

According to the American Bank Association (ABA) standard, the track II storage area of the MS card can store up to 40 digits of 5-bit characters based on 75 bpi magnetic density, and start digits of one digit size (Start Sentinel). , SS, 0xB), Primary Account Number (PAN) field for storing up to 19 digits, Field Separator (FS, 0xD) with 1 digit size, Addition Data field and Discretionary Data) field, one digit end character (End Sentinel, ES, 0xF) and one digit long redundancy check (LRC).

Referring to FIG. 9, the card information is stored in a PAN field, an additional data field, and an arbitrary data field of the Track II storage area, and the PAN field includes the card number (or customer ID information or a customer). Social Security Number) is preferably provided.

10 is a diagram illustrating an IC card in which predetermined card information is stored according to another exemplary embodiment of the present invention.

More specifically, FIG. 10 illustrates an embodiment of an IC card for storing card information for integrated settlement of predetermined salary-based medical insurance and / or non-wage-based medical insurance and / or the customer's contribution to the customer. As a convenience, this figure 10 shows a case of storing the card information according to the present invention in the memory of the contact IC card, if the person skilled in the art to which the present invention pertains, refer to this figure 10 And / or may be modified to infer various implementation methods for including the card information in the memory of the IC card, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods illustrated in FIG. No.

With reference to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip's IC chip may include power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), and programming. I / O interfaces for communicating with (eg, exchanging commands or data) the call terminal 300 through contact points such as power supply (VPP) and / or input / output (I / O), CPU (Central Process Unit), MPU ( A processor unit including at least one computing element including a micro process unit, and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only (EEPROM) And a memory unit including at least one memory element including memory, flash memory (FM), and the like, in particular, at least one of the memory elements (eg, a ROM) is a chip for managing and operating internal resources of an IC card. operating system (Chip Operating System; COS) is stored, when a predetermined power is supplied from the call terminal 300 through the power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory And control the overall operation of the IC chip, and the communication terminal 300 with the IC chip through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. Control the exchange of information or data between them.

According to the present invention, the memory unit of the IC chip terminates at least one or more programs among programs that are loaded in the card terminal and is already driven, and drives a specific program among a plurality of programs stored in the card terminal, or the card. And a card application for executing a function of converting a screen configuration and / or a function set in the terminal into a specific screen configuration and / or a specific function, wherein the card application is read and / or read by the terminal program. A program routine for being driven or executed by a data unit for storing a data set corresponding to predetermined information or data to be used, an arithmetic function of the processor unit, and an instruction set provided by a COS, and used by the terminal program (For example, for Javacard JAVA Applet) is provided with a processing unit corresponding to an application including an instruction call code that interacts with the instruction set of the COS and execution code that is processed by a processor unit. In particular, the processing unit is configured through an APDU. Read a command provided from the terminal program via the input / output interface, and read or write at least one or more information or data stored in the data unit based on the read command, and as a result or read information Alternatively, data may be provided to the terminal program via the input / output interface through an APDU.

According to a preferred embodiment of the present invention, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202, and accordingly, the memory unit is a protection area in which secret information such as a chip serial number (CSN) is stored. And a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. The card application for the present invention includes the protection area and the COS control area. It is preferred to be stored in the area.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the purpose, the card application for the present invention also comprises such a file structure.

Referring to FIG. 10, the data unit of the card application includes an element file for storing card information for integrated settlement processing of salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution.

In addition, when the pay / non-pay based medical insurance integrated card is provided with at least one direct debit payment function for the payment amount of the customer, the IC card provides predetermined debit payment means information for the debit payment function in the card application. And / or when the card is provided with at least one prepaid payment function for the payment amount of the customer, the IC card provides predetermined prepaid payment means information for the prepaid payment function in the form of the card application. And / or when the card is provided with at least one credit settlement function for the payment amount of the customer, the IC card has predetermined credit settlement means information for the credit settlement function in the form of the card application. Characterized in that.

Those of ordinary skill in the art to which the present invention pertains understand the detailed technical features of the debit payment means information, and / or prepaid payment means information, and / or credit payment means information provided in the IC card. Since there will be, a detailed description thereof will be omitted for convenience.

11A, 11B, and 11C are diagrams illustrating a virtual account for medical expenses integrated settlement processing through a salary / non-salary standard medical insurance integrated operation according to another embodiment of the present invention.

11a, 11b, and 11c show the salary standard provided on the financial system in association with the salary / non-salary standard medical insurance integrated card issued to the customer through the card issuing system shown in FIG. As an example of a virtual account for integrated settlement processing of medical insurance and / or non-payment based medical insurance and / or the customer contribution, specifically, FIG. 11A shows the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer. It is shown that the virtual account for integrated settlement processing such as the contribution is opened in connection with the financial institution mother account, and FIG. 11B shows the integrated settlement of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution. It is shown that a virtual account for processing is opened in connection with the mother account of the integrated health insurance management institution. In FIG. 11C, a virtual account for integrated settlement processing of the salary-based medical insurance and / or the non-salary-based medical insurance and / or the customer contribution is processed in association with an insurance company mother account corresponding to the non-salary-based medical insurance subscribed to by the customer. It is shown to be opened.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 11a, 11b, and 11c, in connection with the salary / non-wage standard health insurance integrated card issued to the customer to provide the financial system. Various implementation methods for a virtual account for integrated settlement processing may be inferred from the salary-based medical insurance and / or non-payment-based medical insurance and / or the customer contribution provided in the above, but the present invention may infer the implementation method. It includes all, and is not limited to the embodiment shown in Figures 11a and 11b and 11c.

Referring to FIG. 11A, the ledger D / B on the financial system includes a predetermined financial institution mother account and the mother account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution. It includes at least one customer virtual account that is linked process.

The financial institution mother account is a real account opened in the financial institution for integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, and the salary-based medical insurance and / or In the case of integrated settlement of non-benefit-based medical insurance and / or the customer's contribution, the pay-based insurance company (for example, the National Health Insurance Corporation) will settle the salary-based medical insurance settlement amount (or the premium) of the client's medical expenses to the financial institution's mother account. Amount), and provide the virtual account information to which the salary-based medical insurance settlement amount (or insurance payment amount) is finally deposited and the medical institution information to which the salary-based medical insurance settlement amount (or insurance payment amount) is settled.

In addition, at least one non-benefit-based insurance company (eg, private health insurance company) deposits the non-paid-based medical insurance settlement amount (or the payment amount) among the medical expenses of the customer to the financial institution mother account, and the non-paid-based medical insurance settlement amount It provides the virtual account information (or the amount of insurance payment) to be finally deposited and the medical institution information on which the non-benefit based medical insurance settlement amount (or the amount of the insurance payment) is settled.

In addition, the card company / financial company corresponding to the payment means provided on the card deposits the payment amount of the customer's medical expenses of the customer's medical expenses to the financial institution mother account, and the virtual account information and the customer to which the customer's payment settlement amount is finally deposited. Provide information about medical institutions whose payments will be settled.

In addition, the financial institution mother account is linked to at least one customer virtual account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution.

Here, the salary-based medical insurance settlement amount of the medical expenses of the customer from the salary-based insurance company to the financial institution mother account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution (Or the payment amount), the payment-based medical insurance settlement amount (or the payment amount) is automatically transferred to the customer's virtual account.

In addition, if at least one non-wage-based insurer deposits the non-wage-based medical insurance settlement amount (or the insurance payment amount) of the client's medical expenses into the financial institution mother account, the non-payment-based medical insurance settlement amount (or the insurance payment amount) ) Is automatically transferred to the customer virtual account.

In addition, when the card company / financial company corresponding to the payment method provided on the card deposits the customer contribution settlement amount of the medical expenses of the customer to the mother institution account, the deposited customer payment settlement amount is automatically transferred to the customer virtual account. Is processed.

According to another embodiment of the present invention, the financial institution mother account of the medical expenses of the customer based on the salary-based medical insurance settlement amount (or insurance payment amount) and / or non-salary-based medical insurance settlement amount (or insurance payment amount) and / Alternatively, the amount corresponding to the amount settled by the customer may be pre-deposited.

In this case, the amount deposited in the financial institution mother account before the salary-based insurance company deposits the salary-based medical insurance settlement amount (or insurance payment amount) to the financial institution mother account is the salary-based medical insurance settlement amount (or insurance payment amount). Amount can be processed as a prepayment to a virtual account to be deposited, and the prepayment amount is the salary when the salary-based medical insurance settlement amount (or the amount of the insurance payment) is deposited from the salary-based insurer to the financial institution mother account. Post settlement is made in accordance with the standard medical insurance settlement amount (or insurance payment amount).

In addition, the amount deposited in the non-wage-based insurer's mother account before the non-wage-based insurer deposits the non-wage-based medical insurance settlement amount (or benefit payment amount) into the financial institution mother account is the non-wage-based medical insurance settlement amount (or benefit payment amount). ) Can be processed as a prepayment to the virtual account to be deposited, and the prepaid amount is the non-wage-based medical insurance amount when the non-wage-based medical insurance settlement amount (or insurance payment amount) is deposited from the non-wage-based insurance company to the financial institution mother account. Post settlement is made in accordance with the insurance settlement amount (or insurance payment amount).

In addition, the amount deposited in the mother institution account before depositing the customer contribution settlement amount from the card company / finance company corresponding to the payment means provided on the card to the financial institution mother account to the virtual account to be deposited the customer contribution settlement amount A prepayment amount may be processed, and the prepayment amount is post-calculated in response to the customer payment settlement amount when the payment amount of the customer payment is deposited from the non-payment based insurance company to the financial institution mother account.

Referring to FIG. 11B, the ledger D / B on the financial system includes a predetermined mother's insurance company integrated account management account for the integrated settlement processing of the salary-based medical insurance and / or the non-wage-based medical insurance and / or the customer contribution; It includes at least one customer virtual account that is linked to the parent account.

Here, the mother insurance account integrated management institution is a real account opened in the financial institution for integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, the salary-based medical insurance And / or the non-payment-based medical insurance and / or the customer's contribution, etc., when the integrated settlement process, the pay-based insurer (for example, the National Health Insurance Corporation), the pay-based medical insurance of the client's medical expenses to the mother's account of the integrated medical insurance management agency The settlement amount (or insurance payment amount) is deposited, and the virtual account information to which the salary based medical insurance settlement amount (or insurance payment amount) is finally deposited and the salary based medical insurance settlement amount (or insurance payment amount) are settled. Provide medical institution information.

In addition, at least one non-benefit based insurer (eg, private medical insurer) deposits a non-benefit based medical insurance settlement amount (or a benefit amount) among the medical expenses of the client to the mother insurance account of the integrated medical insurance management agency, and the non-benefit based medical insurance The virtual account information to which the insurance settlement amount (or insurance payment amount) is to be finally deposited and the medical institution information to which settlement of the non-payment based medical insurance settlement amount (or insurance payment amount) is settled are provided.

In addition, the card company / financial company corresponding to the payment means provided on the card deposits the payment amount of the customer's medical expenses of the customer's medical expenses to the mother insurance account integrated management institution, and the virtual account information to be finally deposited And provide the medical institution information to be settled.

In addition, the medical insurance integrated management institution mother account is linked to at least one customer virtual account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution.

Here, the salary-based medical insurance from the salary-based insurance company from the salary-based insurance company to the mother's account of the integrated medical insurance management institution for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contributions Upon depositing an insurance settlement amount (or an insurance payment amount), the deposited salary based medical insurance settlement amount (or an insurance payment amount) is automatically transferred to the customer virtual account.

In addition, if at least one non-wage-based insurer deposits a non-wage-based medical insurance settlement amount (or a payment amount) among the medical expenses of the client into the mother account of the integrated medical insurance management institution, the non-payment-based medical insurance settlement amount (or Insurance payment amount) is automatically transferred to the customer virtual account.

In addition, when the card company / financial company corresponding to the payment means provided on the card deposits the customer contribution settlement amount of the medical expenses of the customer to the mother insurance account integrated management institution, the deposited customer payment settlement amount is the customer virtual account Direct debit is processed.

According to another exemplary embodiment of the present invention, the medical insurance integrated management institution mother account is the amount of payment based medical insurance (or insurance payment amount) and / or non-payment based medical insurance settlement amount (or insurance payment amount) of the medical expenses of the customer ) And / or the amount corresponding to the amount settled by the customer.

In this case, the amount deposited in the medical insurance integrated management institution mother account before the salary-based insurer deposits the salary-based medical insurance settlement amount (or the amount of the insurance payment) to the medical insurance integrated management institution mother account. Settlement amount (or insurance payment amount) may be pre-paid to the virtual account to be deposited, and the advance payment amount is the salary-based medical insurance settlement amount (or insurance payment amount) from the salary-based insurer to the mother account of the integrated insurance company In the case of depositing), it is post-settled in correspondence with the salary-based medical insurance settlement amount (or insurance payment amount).

In addition, the amount deposited in the non-benefit-based insurance institution mother account before the non-benefit-based insurer deposits the non-benefit-based medical insurance settlement amount (or insurance payment amount) into the mother account of the integrated medical insurance management institution. The amount (or benefit amount) may be pre-paid to the virtual account to be deposited, and the amount of the prepayment amount is the non-benefit-based medical insurance settlement amount (or benefit payment amount) from the non-benefit basis insurer to the mother account of the integrated health insurance management institution. When the deposit is made, it is post-processed in response to the non-benefit-based medical insurance settlement amount (or insurance payment amount).

In addition, the amount deposited in the medical insurance integrated management institution mother account before the card company / financial company corresponding to the payment means provided in the card to the medical insurance integrated management institution mother account settles the customer contribution settlement amount The deposit may be prepaid to the virtual account to be deposited, and the prepaid amount is settled after the payment is made in response to the settlement amount of the customer contribution when the payment amount of the customer contribution is deposited from the non-benefit based insurer to the mother account of the integrated insurance company. Is processed.

Referring to FIG. 11C, the ledger D / B on the financial system includes at least one insurance company mother account for each insurer for integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution. It includes at least one customer virtual account associated with the parent account.

Here, the insurer's mother account is a real account opened in the financial institution for integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, and the salary-based medical insurance and / or non-salary In the integrated settlement of the standard medical insurance and / or the customer contribution, the salary standard insurance company (e.g., the National Health Insurance Service) will settle the salary-based medical insurance payment amount (or the amount paid) of the client's medical expenses to the insurance company's mother account. It provides a virtual account information to the final payment of the salary based medical insurance payment amount (or insurance payment amount) and the medical institution information to be settled the salary based medical insurance settlement amount (or insurance payment amount).

In addition, at least one non-benefit based insurer (eg, private health insurance company) deposits the non-paid standard medical insurance amount (or the amount of the insurance payment) of the client's medical expenses into the insurance company's mother account, and the non-paid standard medical insurance amount ( Or provide the virtual account information to which the payment amount) is to be finally deposited and the medical institution information to which the non-payment based medical insurance settlement amount (or insurance payment amount) is settled.

In addition, the card company / financial company corresponding to the payment means provided on the card deposits the payment amount of the customer's medical expenses of the customer's medical expenses to the insurance company's mother account, and the virtual account information and the customer's contribution to which the customer's payment settlement amount is finally deposited. Provide information about the medical institution whose settlement will be settled.

In addition, the insurance company parent account is linked to at least one customer virtual account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution.

Here, the salary-based medical insurance settlement amount of the medical expenses of the client from the salary-based insurance company to the insurer's mother account for the integrated settlement processing of the salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution. Or deposit the insurance payment amount), the payment-based medical insurance settlement amount (or insurance payment amount) of the deposited salary is automatically transferred to the customer virtual account.

In addition, when the non-payment based medical insurance settlement amount (or the insurance payment amount) among the medical expenses of the client is deposited from the at least one non-paying based insurance company to the insurer mother account, the non-payment based medical insurance settlement amount (or the insurance payment amount) Is automatically transferred to the customer virtual account.

In addition, when the card company / financial company corresponding to the payment means provided on the card deposits the payment amount of the customer's medical expenses of the customer's medical expenses to the insurance company's mother account, the deposited customer payment settlement amount is automatically transferred to the customer virtual account do.

According to another exemplary embodiment of the present invention, the insurer's mother account includes the payment based medical insurance payment amount (or insurance payment amount) and / or the non-payment based medical insurance payment amount (or insurance payment amount) and / or the medical expenses of the customer. The amount corresponding to the amount settled by the customer may be pre-deposited.

At this time, the amount deposited in the insurance company's mother account before the salary-based insurance company deposits the salary-based medical insurance settlement amount (or insurance payment amount) from the insurance company's mother account is the salary-based medical insurance settlement amount (or insurance payment amount). The prepayment may be processed into the virtual account to be deposited, and the prepaid amount is settled based on the salary based medical insurance when the salary based medical insurance settlement amount (or the payment amount) is deposited from the salary based insurance company to the insurer mother account. Post settlement is made according to the amount (or insurance payment).

In addition, the amount deposited in the insurer's mother account before the non-wage-based insurer deposits the non-wage-based medical insurance settlement amount (or insurance payment amount) from the insurer's mother account is the non-wage-based medical insurance settlement amount (or insurance payment amount). The prepaid amount may be processed to the virtual account to be deposited, and the prepaid amount is the non-wage-based medical insurance settlement amount when the non-wage-based medical insurance settlement amount (or benefit payment amount) is deposited from the non-paid-based insurance company to the insurer mother account. Post-settlement will be processed in response to the amount of insurance payment.

In addition, the amount deposited in the insurer's mother account before the deposit to the insurer's mother account from the card company / financial company corresponding to the payment method provided on the card to the virtual account to be deposited the customer's contribution settlement amount The prepaid amount may be post-settled in response to the payment amount of the customer payment when the payment amount of the customer payment is deposited from the non-payment based insurance company to the insurance company mother account.

12 is a diagram illustrating a process of issuing a card associated with a virtual account for the integrated operation of the salary / non-salary standard medical insurance according to one embodiment of the present invention.

In more detail, in FIG. 12, in the card issuing system shown in FIG. 8, a predetermined customer issues a predetermined card issuing interface (e.g., at least one card issuance application, employee terminal and network means, or wired terminal and / or wireless terminal). When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. As a process for issuing a predetermined card based on the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 12 to perform the salary / non-salary standard medical insurance integrated operation. It will be possible to infer various implementation methods for issuing a card, but the present invention includes all of the inferred implementation methods. It is not limited to the exemplary method shown in Figure 12.

For example, although FIG. 12 illustrates that the card is manufactured and provided (or shipped) to the customer, the storage medium 140 stores the predetermined salary / non-salary standard medical insurance integrated operation information. According to the intention of storing the predetermined salary / non-payment standard medical insurance integrated operation information in the storage medium 140 is provided (or shipped) to the customer before the card is produced or after the card is produced It may be carried out before, and thereby the present invention is not limited.

Hereinafter, in FIG. 12, the card issuing terminal 145 shown in FIG. 8 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 12, in order to obtain the card for the salary / non-payment standard medical insurance integrated operation, the customer prepares a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface; And / or the card issuance system shown in FIG. 8 supports a non-face-to-face card issuance application, the customer enters (or selects) predetermined card issuance application information through a predetermined client terminal, and then The card issuing application information is provided to the server through the card issuing interface (1200).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

The card issuing application information provided to the server through the card issuing interface may include customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and non-payment standard medical insurance service to the customer. It provides at least one insurance company information provided and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (1205).

Here, the card issuance validity check confirms whether the customer has a salary-based medical insurance (eg, national medical insurance including at least one workplace / regional medical insurance) of a salary-based insurance company (eg, National Health Insurance Corporation). It is preferred to include a process to.

In addition, the card issuance validity check is preferably made to include whether the customer has subscribed to at least one non-benefit-based insurance company (for example, private medical insurance company) non-payment-based medical insurance (for example, private medical insurance). Do.

For example, in the card issuance validity checking process, the server provides the customer information (and / or insurance product information) included in the card issuance application information to a non-payment standard insurer corresponding to the insurer information included in the card issuance application information. And confirming whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance target from the insurance company.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one non-paid-based insurance company information and customer information of the insurer's non-paid-based medical insurance, the server is included in the card issuance application information. And checking whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance by using the registered insurance company information and the customer information (and / or insurance product information). have.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (1210), the server provides the card issuing error information to the customer through the card issuing interface (1215), Stop issuing the card to the customer.

If the validity for issuing the card to the customer is authenticated through the card issuing application information (1210), the server determines predetermined card information (card) corresponding to the card to be issued to the customer based on the card issuing application information. A number, or unique ID information, or a customer social security number, which is associated with the card information (eg, a virtual account number and information on a financial institution where the virtual account is opened) and an insurance company subscribed to by the customer. Generate information (1220).

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server produces a predetermined card with the card information through a predetermined card issuing device and provides (or delivers) the predetermined card to the customer (1225).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to comprise a.

According to another embodiment of the present invention, if the card is an IC card, the card issuing device preferably includes an apparatus for recording the card information in a memory provided in the IC chip of the card.

Thereafter, the server generates a predetermined salary / non-salary standard medical insurance integrated operation information through the card issuance application information and the generated card information provided from the customer through the card issuing interface (1230), and the salary / non-salary The standard medical insurance integrated operation information is stored in the storage medium 140 (1235).

Here, the salary / non-payment standard medical insurance integrated operation information is the customer information issuing the card, card information corresponding to the card issued to the customer (for example, information provided in the card issued to the customer), the card information and It is preferable to include at least one or more information associated with the virtual account and the insurance company corresponding to the non-benefit-based medical insurance subscribed to the customer.

When the storage medium 140 is provided to the insurer according to the method of the present invention, the salary / non-salary standard medical insurance integrated operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for medical expenses, whereby the present invention is not limited.

According to the implementation method of the present invention, the storage medium 140 is provided on the financial system integrated management system (or associated with the salary / non-paid medical insurance integrated management system) on a predetermined financial system. Predetermined at a DBMS and / or linked with a server (or device) that performs a predetermined information processing function using the salary / non-salary standard medical insurance integrated operation information on the salary / non-salary standard medical insurance integrated operation system. It is preferable to be provided in a DBMS.

In addition, the salary / non-salary standard medical insurance integrated operation information stored in the storage medium 140 is the salary / non-salary standard medical insurance integrated operating system on the salary / non-salary based medical insurance salary medical expenses to be paid by at least one medical institution through a card Standard medical insurance and / or non-benefit Standard medical insurance and / or the customer contribution.

FIG. 13 is a diagram illustrating a process of issuing a card associated with a virtual account for integrated operation of a salary / non-salary standard medical insurance according to another embodiment of the present invention.

In more detail, in FIG. 13, in the card issuing system shown in FIG. 8, a predetermined customer issues a predetermined card issuing interface (e.g., at least one card issuance application, employee terminal and network means, or wired terminal and / or wireless terminal). When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. The card issuing to the customer based on the process of issuing a further debit payment function to allow the customer to pay the debit payment that is the final payment to a predetermined medical institution, the process for issuing, For those of ordinary skill in the art, referring to and / or modifying the drawing of FIG. To test integrated operation would be able to infer the various exemplary method of issuing the card, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 13.

For example, FIG. 13 illustrates that the card is manufactured and provided (or delivered) to the customer, and then stored as the storage medium 140 to store predetermined salary / non-salary standard medical insurance integrated operation information. According to the intention of storing the predetermined salary / non-payment standard medical insurance integrated operation information in the storage medium 140 is provided (or shipped) to the customer before the card is produced or after the card is produced It may be carried out before, and thereby the present invention is not limited.

Hereinafter, in FIG. 13, the card issuing terminal 145 shown in FIG. 8 is referred to as "terminal" for convenience, and the card issuing server 100 is referred to as "server" for convenience.

Referring to FIG. 13, in order to obtain the card for the salary / non-payment standard medical insurance integrated operation, the customer prepares a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface, or And / or the card issuance system shown in FIG. 8 supports a non-face-to-face card issuance application, the customer enters (or selects) predetermined card issuance application information through a predetermined client terminal, and then The card issuing application information is provided to the server through the card issuing interface (1300).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

The card issuing application information provided to the server through the card issuing interface may include customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and non-payment standard medical insurance service to the customer. It provides at least one insurance company information provided and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (1305).

Here, the card issuance validity check confirms whether the customer has a salary-based medical insurance (eg, national medical insurance including at least one workplace / regional medical insurance) of a salary-based insurance company (eg, National Health Insurance Corporation). It is preferred to include a process to.

In addition, the card issuance validity check is preferably made to include whether the customer has subscribed to at least one non-benefit-based insurance company (for example, private medical insurance company) non-payment-based medical insurance (for example, private medical insurance). Do.

For example, in the card issuance validity checking process, the server provides the customer information (and / or insurance product information) included in the card issuance application information to a non-payment standard insurer corresponding to the insurer information included in the card issuance application information. And confirming whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance target from the insurance company.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one non-paid-based insurance company information and customer information of the insurer's non-paid-based medical insurance, the server is included in the card issuance application information. And checking whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance by using the registered insurance company information and the customer information (and / or insurance product information). have.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (1310), the server provides the card issuing error information to the customer through the card issuing interface (1315), Stop issuing the card to the customer.

If the validity to issue the card to the customer is authenticated through the card issuing application information (1310), the server determines predetermined card information corresponding to the card to be issued to the customer based on the card issuing information. A number, or unique ID information, or a customer social security number, which is associated with the card information (eg, a virtual account number and information on a financial institution where the virtual account is opened) and an insurance company subscribed to by the customer. Generate information (1320).

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server checks the validity of the card issued to the customer to have a predetermined direct debit function for debiting the customer owing to be finally paid to a predetermined medical institution (1325). It is preferable that the card issuance application information provided from the customer further includes the direct debit application information.

Here, the validity check of the direct debit function is at least one customer financial account that can be processed in connection with the direct debit function on the financial system based on the debit payment application information included in the card issuance application information. It is preferable to include at least one process of confirming whether there is already opened and the process of confirming whether the customer financial account is an activated financial account (or not a dormant account).

If the card cannot be provided with a predetermined direct debit function that allows the customer to debit the customer charges that are ultimately paid to a predetermined medical institution (1330), the server provides the card information through a predetermined card issuing device. Produces a predetermined card having a provided (or delivered) to the customer (1345).

On the other hand, if the card can be provided with a predetermined direct debit payment function to allow the customer to pay the deductible for the final payment to a predetermined medical institution (1330), the server based on the card issuing application information Generate the predetermined debit information for providing the direct debit function through (1335), and set the predetermined debit information to the medical expenses of the customer through the debit function provided in the card in connection with the financial system; After the debit payment information and the customer financial account are interlinked to perform a direct debit processing of the customer burden to be finally paid to a medical institution (1340), the predetermined information including the card information and the debit payment information is provided through a predetermined card issuing device. The card is manufactured and provided (or delivered) to the customer (1345).

According to an embodiment of the present invention, if the card is an MS card, the card issuing device may include the card information (and / or information) on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to include a device for recording direct debit information).

According to another embodiment of the present invention, if the card is an IC card, the card issuing apparatus includes an apparatus for recording the card information (and / or direct debit information) in a memory provided in the IC chip of the card. It is preferable.

Subsequently, the server generates predetermined salary / non-salary standard medical insurance integrated operation information through the card issuance application information and the generated card information provided from the customer through the card issuing interface (1350), and the salary / non-salary The standard medical insurance integrated operation information is stored in the storage medium 140 (1355).

Here, the salary / non-payment standard medical insurance integrated operation information is the customer information issuing the card, card information corresponding to the card issued to the customer (for example, information provided in the card issued to the customer), the card information and It is preferable to include at least one or more information associated with the virtual account and the insurance company corresponding to the non-benefit-based medical insurance subscribed to the customer.

When the storage medium 140 is provided to the insurer according to the method of the present invention, the salary / non-salary standard medical insurance integrated operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for medical expenses, whereby the present invention is not limited.

According to the implementation method of the present invention, the storage medium 140 is provided on the financial system integrated management system (or associated with the salary / non-paid medical insurance integrated management system) on a predetermined financial system. Predetermined at a DBMS and / or linked with a server (or device) that performs a predetermined information processing function using the salary / non-salary standard medical insurance integrated operation information on the salary / non-salary standard medical insurance integrated operation system. It is preferable to be provided in a DBMS.

In addition, the salary / non-salary standard medical insurance integrated operation information stored in the storage medium 140 is the salary / non-salary standard medical insurance integrated operating system on the salary / non-salary based medical insurance salary medical expenses to be paid by at least one medical institution through a card Standard medical insurance and / or non-benefit Standard medical insurance and / or the customer contribution.

14 is a diagram illustrating a process of issuing a card associated with a virtual account for the integrated operation of the salary / non-salary standard medical insurance according to another embodiment of the present invention.

In more detail, in FIG. 14, in the card issuing system shown in FIG. 8, a predetermined customer is provided with a predetermined card issuing interface (e.g., at least one card issuance application, employee terminal and network means, or wired terminal and / or wireless terminal). When the predetermined card issuing application information is transmitted to the card issuing server 100 to the card issuing server 100 through the client terminal and the network means, etc., including the above, the card issuing application information is issued by the card issuing server 100. The card issuing to the customer based on the process of issuing a predetermined prepayment function to allow the customer to prepay the prepayment of the final payment to the predetermined medical institution, the process for issuing, Persons of ordinary skill in the art may refer to and / or modify this drawing 14 to pay / non-pay based medical care. To test integrated operation would be able to infer the various exemplary method of issuing the card, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 14.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs should have a final payment to a predetermined medical institution by a customer on a card issued to the customer through the method shown in FIGS. 13 and 14. It would be possible to infer an implementation method further comprising a predetermined credit settlement function for crediting a customer charge, but the present invention includes an implementation method having the above credit settlement function, whereby the present invention is not limited thereto. .

In addition, although FIG. 14 illustrates that the card is manufactured and provided (or delivered) to the customer, the storage medium 140 stores the predetermined salary / non-salary standard medical insurance integrated operation information. According to the intention of storing the predetermined salary / non-payment standard medical insurance integrated operation information in the storage medium 140 is provided (or shipped) to the customer before the card is produced or after the card is produced It may be carried out before, and thereby the present invention is not limited.

Hereinafter, in FIG. 14, the card issuing terminal 145 shown in FIG. 8 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 14, in order to obtain the card for the salary / non-payment standard medical insurance integrated operation, the customer prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface; And / or the card issuance system shown in FIG. 8 supports a non-face-to-face card issuance application, the customer enters (or selects) predetermined card issuance application information through a predetermined client terminal, and then The card issuing application information is provided to the server through the card issuing interface (1400).

Here, the card issuance interface preferably comprises a card issuance application written by the customer, an employee terminal used by the employee of the financial institution, and a network means for connecting the employee terminal and the server. When supporting a card issuing application in a face-to-face manner, the card issuing interface preferably includes a predetermined client terminal used by the customer and network means for connecting the client terminal and the server.

The card issuing application information provided to the server through the card issuing interface may include customer information of the card issuing customer, card product information corresponding to a card issued to the customer, and non-payment standard medical insurance service to the customer. It provides at least one insurance company information provided and insurance product information subscribed to the customer.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the customer (1405).

Here, the card issuance validity check confirms whether the customer has a salary-based medical insurance (eg, national medical insurance including at least one workplace / regional medical insurance) of a salary-based insurance company (eg, National Health Insurance Corporation). It is preferred to include a process to.

In addition, the card issuance validity check is preferably made to include whether the customer has subscribed to at least one non-benefit-based insurance company (for example, private medical insurance company) non-payment-based medical insurance (for example, private medical insurance). Do.

For example, in the card issuance validity checking process, the server provides the customer information (and / or insurance product information) included in the card issuance application information to a non-payment standard insurer corresponding to the insurer information included in the card issuance application information. And confirming whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance target from the insurance company.

Alternatively, when the server is provided with a predetermined database (not shown) including at least one non-paid-based insurance company information and customer information of the insurer's non-paid-based medical insurance, the server is included in the card issuance application information. Using the registered insurance company information and the customer information (and / or insurance product information) to determine whether the customer has at least one insurance plan corresponding to the non-payment standard medical insurance from the database. Can be.

If the validity to issue the card to the customer is not authenticated through the card issuing application information (1410), the server provides card issuing error information to the customer through the card issuing interface (1415), Stop issuing the card to the customer.

If the validity for issuing the card to the customer is authenticated through the card issuing application information (1410), the server determines predetermined card information (card) corresponding to the card to be issued to the customer based on the card issuing application information. A number, or unique ID information, or a customer social security number, which is associated with the card information (eg, a virtual account number and information on a financial institution where the virtual account is opened) and an insurance company subscribed to by the customer. Generate information (1420).

Here, the card information may include a virtual account number for integrated settlement processing of salary-based medical insurance and / or non-wage-based medical insurance and / or the customer contribution, information of a financial institution in which the virtual account is opened, and non-payment based medical treatment to the customer. It is preferable to include at least one or more insurance company information providing insurance services.

According to an embodiment of the present invention, if the card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another embodiment of the present invention, if the card is an IC card, the generated card information preferably includes a file structure operable through a Chip Operating System (COS) provided in the IC chip.

Thereafter, the server verifies the validity of whether the card issued to the customer may have a predetermined prepaid function for prepaying the customer's payment to the predetermined medical institution (1425). It is preferable that the card issuance application information provided from the customer further includes the prepaid application information.

In this case, the validity check on the prepaid payment function may include a process of filling a prepaid payment amount with the prepaid payment function in connection with a financial system based on the prepaid payment application information included in the card issuance application information. When the amount of money is charged from the financial account of the customer, checking whether the amount of money for charging the amount of money is deposited in the customer financial account, when the amount of money is charged from the payment means of the customer , The process of checking whether the charge amount can be charged through the customer payment means.

If the card cannot be provided with a predetermined prepayment function for prepaying the customer owing to be finally paid to a predetermined medical institution (1430), the server provides the card information through a predetermined card issuing device. Produces a predetermined card having a provided (or delivered) to the customer (1445).

On the other hand, if the card can be provided with a prepaid payment function for prepaid payment of the customer's final payment to the predetermined medical institution (1430), the server is based on the card issuance application information After generating predetermined prepaid information for providing the prepaid function through (1435), and processing to charge a predetermined amount of money in the prepaid function provided in the card in connection with the financial system (1440) In operation 1445, a predetermined card having the card information and the prepaid payment information is manufactured and provided to the customer through a predetermined card issuing device.

According to an embodiment of the present invention, if the card is an MS card, the card issuing device may include the card information (and / or information) on at least one or more MS tracks (eg, track I, track II, track III) included in the card. It is preferable to include a device for recording the prepaid information).

According to another embodiment of the present invention, if the card is an IC card, the card issuing device includes an apparatus for recording the card information (and / or prepaid payment information) in a memory provided in the IC chip of the card. It is preferable.

Thereafter, the server generates predetermined salary / non-salary standard medical insurance integrated operation information through the card issuance application information and the generated card information provided from the customer through the card issuing interface (1450), and the salary / non-salary The standard medical insurance integrated operation information is stored in the storage medium 140 (1455).

Here, the salary / non-payment standard medical insurance integrated operation information is the customer information issuing the card, card information corresponding to the card issued to the customer (for example, information provided in the card issued to the customer), the card information and It is preferable to include at least one or more information associated with the virtual account and the insurance company corresponding to the non-benefit-based medical insurance subscribed to the customer.

When the storage medium 140 is provided to the insurer according to the method of the present invention, the salary / non-salary standard medical insurance integrated operation information corresponds to the insurance product information subscribed to the customer and the insurance product subscribed to the customer. It may further include at least one insurance item information that can be provided with insurance services for medical expenses, whereby the present invention is not limited.

According to the implementation method of the present invention, the storage medium 140 is provided on the financial system integrated management system (or associated with the salary / non-paid medical insurance integrated management system) on a predetermined financial system. Predetermined at a DBMS and / or linked with a server (or device) that performs a predetermined information processing function using the salary / non-salary standard medical insurance integrated operation information on the salary / non-salary standard medical insurance integrated operation system. It is preferable to be provided in a DBMS.

In addition, the salary / non-salary standard medical insurance integrated operation information stored in the storage medium 140 is the salary / non-salary standard medical insurance integrated operating system on the salary / non-salary based medical insurance salary medical expenses to be paid by at least one medical institution through a card Standard medical insurance and / or non-benefit Standard medical insurance and / or the customer contribution.

15 is a diagram illustrating a salary / non-salary standard medical insurance integrated operation system configuration according to an embodiment of the present invention.

In more detail, FIG. 15 shows the medical expenses that the customer should pay to a predetermined medical institution by using the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8. This is a system configuration for the settlement of the medical insurance settlement amount (or insurance payment amount) and the customer contributions, and if the person of ordinary skill in the technical field to which the present invention belongs, reference and / or modification of this figure 15 By using the card, it is possible to infer various system configurations in which the client pays the medical expenses to be paid to a predetermined medical institution by integrating and operating the medical insurance settlement amount (or insurance payment amount) and the customer's contribution. It will be appreciated that the present invention encompasses all of the inferred practice methods, and that the Not determined

Hereinafter, when the storage medium 140 shown on the card issuing system shown in FIGS. 1 and / or 8 of FIG. 15 is provided in the salary / non-paying standard medical insurance integrated management institution, the storage medium 140 ) Is referred to as "insurance management information D / B 1525" for convenience, and when the storage medium 140 is provided in at least one insurance company, the storage medium 140 is referred to as "insurance approval information D / B 1565" for convenience. ) "

Referring to Figure 15 according to an embodiment of the present invention, the salary / non-payment standard medical insurance integrated operating system is a card issued to the customer through the card issuance system shown in Figures 1 and / 8, and Generate and send and receive at least one full-text to settle and pay the medical expenses that the client is required to pay to a given medical institution through the card. A non-payroll standard medical service in which the customer subscribes to a predetermined insurance approval request message transmitted from the insurance processing terminal 1570 by being connected to the insurance processing terminal 1570 and the insurance processing terminal 1570 through a predetermined network means. Relaying transmission to the insurance company corresponding to the insurance, before insurance approval corresponding to the full insurance approval request from the insurance company server 1530 The salary / non-salary standard medical insurance integrated operation server 1500 and the salary / non-salary standard medical insurance integrated operation server 1500 for receiving and relaying the insurance processing terminal 1570 are transmitted through a predetermined communication means. And an insurance company server 1530 which processes the insurance approval request message received from the salary / non-salary standard medical insurance integrated operation server 1500, and the insurance approval request message is completed in the insurance company server 1530. When the insurance approval process corresponding to, characterized in that it comprises a financial system for processing the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text.

If a medical insurance card issued by the National Medical Insurance Corporation (or a card issued through the card issuing system shown in FIGS. 1 and / or 8 is provided with a medical insurance card issued by the National Medical Insurance Corporation, FIG. 1 And / or have a card issued through the card issuing system shown in FIG. 8 and visit at least one medical institution (eg, a clinic or a hospital) to receive a predetermined medical service, and then provide the medical service provided to the customer. Medical expenses included in the salary standard among the total medical expenses corresponding to the medical treatment are settled through the national medical insurance corresponding to the salary based medical insurance, and when the client has at least one non-salary standard medical insurance, Among the medical expenses, the non-benefit based medical expenses are settled through the private medical insurance corresponding to the non-benefit based medical insurance, In addition to the remaining amount will be asked to pay the processing fee to the customer.

For the medical cost settlement processing as described above, the customer has a card issued through the card issuing system shown in FIGS. 1 and / or 8, and the medical institution has a medical insurance integrated operation function through the card. A predetermined insurance processing terminal is provided.

The insurance processing terminal 1570 may be a window terminal provided at a window of the medical institution, and / or a card terminal having a predetermined card payment function, and / or medical expenses (eg, non-payment) that the customer should pay to the medical institution. At least one of a predetermined unmanned terminal for processing the unmanned settlement for the reference medical expenses and customer charges), the preferred embodiment of the insurance terminal 1570 will be described in detail with reference to FIG. .

The window terminal of the insurance processing terminal 1570 is a terminal provided in the medical cost storage window of the medical institution, and by implementing the function of the insurance processing terminal 1570 shown in FIG. In accordance with the insurance processing terminal 1570.

In addition, the card terminal of the insurance processing terminal 1570 is a card payment terminal provided in the medical cost storage window of the medical institution, the insurance processing terminal (1570) shown in Figure 16 to the card payment terminal provided in the storage window; By implementing a function to operate as an insurance processing terminal 1570 according to the present invention, or the card terminal is a dedicated card for integrated treatment of salary / non-payment standard medical insurance with insurance processing terminal 1570 function shown in Figure 16 It is possible to include a terminal.

In addition, the unmanned terminal of the insurance processing terminal 1570 is connected to a predetermined KIOSK and / or at least one or more financial systems provided in the medical institution through a predetermined CD common network (CD / ATM) provided in the medical institution ( By implementing the insurance processing terminal 1570 function shown in FIG. 16 in a financial terminal including a Cash Dispenser / Automatic Teller Machine, it operates as an insurance processing terminal 1570 according to the present invention, or the unmanned terminal is shown in FIG. The insurance processing terminal 1570 illustrated in FIG. 1 may be configured to include an automatic terminal for salary / non-salary standard medical insurance integrated processing.

The insurance processing terminal 1570 is connected to the salary / non-pay salary standard medical insurance integrated management server 1500 provided in a predetermined medical insurance integrated management institution through a predetermined network means, the customer is the medical institution Insurers whose non-paid medical insurance amount (or benefit amount) corresponds to 90% of the medical expenses (e.g., non-paid medical expenses and customer contributions) to be paid to It is characterized in that the predetermined insurance approval request text to be processed through the settlement process is generated and transmitted to the salary / non-payment standard medical insurance integrated operation server 1500.

In addition, the insurance processing terminal 1570 receives a predetermined insurance approval message including an insurance treatment history corresponding to the insurance approval request message from the salary / non-salary standard medical insurance integrated operation server 1500 through the network means. And output (eg, screen output and / or print output) of the insurance processing details included in the insurance approval text.

The salary / non-salary standard medical insurance integrated operation server 1500 is characterized by relaying the insurance processing terminal 1570 provided in at least one or more medical institutions, and the insurance company server 1530 provided in at least one insurance company, The salary / non-salary standard medical insurance integrated operation server 1500 reads card information included in the insurance approval request text, and predetermined card information and insurance company for checking the insurance company server 1530 which relays the insurance approval request text. Insurance operation information D / B (1525) for storing the information (for example, insurance company server 1530 information) in a cooperative process characterized in that it is made.

Referring to FIG. 15, the salary / non-salary standard medical insurance integrated operation server 1500 may include a specialized receiver 1505 for receiving a predetermined insurance approval request text from at least one insurance processing terminal 1570 through the network means. A professional confirmation unit 1510 which extracts card information included in the insurance approval request text and checks the insurance company server 1530 which relays the insurance approval request text in connection with the insurance management information D / B 1525. And relaying the entire insurance approval request message to the confirmed insurance company server 1530 through a predetermined communication means, and the insurance processing details corresponding to the insurance approval request text from the insurance company server 1530 through the communication means. A professional relay unit 1520 for receiving an insurance approval text including a preamble, and the insurance approval text is transmitted to the insurance processing terminal 1570 through the network means. Characterized in that formed by having a portion (1515).

The specialized receiver 1505 may receive a predetermined insurance approval request telegram generated and transmitted by at least one insurance processing terminal 1570 provided in at least one medical institution through the network means. The full insurance approval request is provided to the specialized confirmation unit 1510.

According to an embodiment of the present invention, the insurance approval request text may include the card information, the medical institution information, at least one disease code (or prescription code) information provided by the medical institution to the customer, and the It is preferable to include at least one salary / non-salary standard medical insurance settlement amount corresponding to the medical service and customer contribution information.

When the customer is issued a card through the card issuing system shown in Figure 1 according to an embodiment of the present invention, the card information is for the integrated settlement processing of the salary / non-payment based medical insurance settlement amount and customer contribution It is preferable to include a virtual account number, the information on the financial institution in which the virtual account is opened, and the insurance company information corresponding to the non-payment standard medical insurance subscribed to by the customer.

According to another embodiment of the present invention, when the customer is issued a card through the card issuing system shown in FIG. 8, the card information includes a predetermined card number (or customer ID information, or customer social security number). Preferably, the insurance management information D / B (1525) is to store the virtual account information of the customer (for example, the customer virtual account number and the information of the financial institution opened the virtual account) associated with the card information is stored; It is preferable.

When a predetermined insurance approval request text is received through the specialized receiving unit 1505, the specialized checking unit 1510 extracts card information included in the insurance approval request text, and based on the extracted card information. By confirming insurance company information stored in the insurance operation information D / B 1525 in association with the card information, predetermined communication means (eg, salary / non-salary standard health insurance integrated operation server 1500 and at least one insurance company server ( It is characterized in that the predetermined insurance company server (1530) to transmit the insurance approval request relay through the communication network) to connect the communication 1530).

When a predetermined insurance company server 1530 which transmits the insurance approval request message is confirmed through the specialized confirmation unit 1510, the specialized relay unit 1520 may receive the insurance approval request received through the specialized receiver 1505. Characterized in (or at least one or more information extracted to provide to the insurance company server 1530 from the insurance approval request message), characterized in that the relay transmission through the communication means to the confirmed insurance company server 1530, and then The specialized relay unit 1520 receives the insurance approval message including the insurance processing details corresponding to the insurance approval request message from the insurance company server 1530 through the communication means.

According to the implementation method of the present invention, the insurance processing details include the insurance approval details including that the insurance company approved the settlement of the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the full insurance approval request. It is preferable to include a predetermined insurance error history that includes or does not settle the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the full insurance approval request.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the insurance company server 1530 through the communication means while receiving the insurance approval message, the specialized relay unit 1520. Provides the full insurance approval to the specialized transmission unit 1515.

When the insurance approval message is received from the insurance company server 1530 through the specialized relay unit 1520, the expert transmission unit 1515 transmits the insurance approval request message to the insurance approval message through a predetermined network means. It is characterized in that the transmission to one insurance processing terminal (1570).

The insurance company server 1530 is connected to the salary / non-salary standard medical insurance integrated operation server 1500 through a predetermined communication means, the insurer server 1530 is integrated management of salary / non-salary standard medical insurance The card information issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 to approve the insurance approval request included in the insurance approval request message relayed from the server 1500, and the And insurance approval information D / B 1565 for linking and storing insurance product information corresponding to the non-salary standard medical insurance to which the customer has subscribed. The insurance approval information D / B 1565 may include the insurance approval information D / B 1565. It is preferable that the non-paying standard insurance company further includes customer information in the private medical insurance.

According to the implementation method of the present invention, the insurance product information stored in the insurance approval information D / B (1565) is at least one disease code (or prescription code) information that the customer can be guaranteed through the non-benefit based medical insurance It is preferable to comprise a.

Referring to FIG. 15, the insurance company server 1530 may include a professional receiver 1535 for receiving a predetermined insurance approval request message relayed from the salary / non-salary standard medical insurance integrated operation server 1500 through the communication means. An information extracting unit 1540 for extracting information necessary for insurance approval from the received insurance approval request text message, and the insurance approval request text message in connection with the insurance approval information D / B 1565 based on the extracted information; It is characterized in that it comprises the insurance approval unit 1550 for approving the settlement process for the non-benefit standard medical insurance settlement amount (or insurance payment amount) included in.

In addition, the insurance company server (1530) is approved by the insurance approval unit (1550) for settlement of the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the insurance approval request, the card information, the card information Settlement processing unit for depositing and processing the non-benefit-based medical insurance settlement amount (or insurance payment amount) to the customer virtual account (or the parent account associated with the customer virtual account) using the virtual account number and the financial institution information included in It is characterized by comprising (1560).

In addition, if the insurance company server 1530 is approved by the insurance approval unit 1550 for the settlement of the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the insurance approval request text, the predetermined insurance Generate a predetermined insurance processing history corresponding to the approval details, generate a predetermined insurance approval text including the generated insurance processing history, or be included in the insurance approval request text by the insurance approval unit 1550; If the settlement processing for the non-benefit-based medical insurance settlement amount (or insurance payment amount) is not approved, a predetermined insurance processing history corresponding to a predetermined insurance error history is generated, and a predetermined insurance processing history including the generated insurance processing history is provided. Characterized in that it comprises a full text generation unit 1545 for generating a full insurance approval.

In addition, when the insurance company server 1530 is generated by the full-text generation unit 1545, the insurance approval message including the insurance treatment details, the insurance approval full text is integrated with the salary / non-payment standard medical insurance through the communication means Characterized in that it comprises a specialized transmission unit 1555 for transmitting to the operation server 1500.

The specialized receiver 1535 is connected to the salary / non-salary standard medical insurance integrated operation server 1500 through the communication means, and relayed from the salary / non-salary standard medical insurance integrated operation server 1500 through the communication means. Characterized in that it receives the predetermined insurance approval request message transmitted, and provides the received insurance approval request full text to the information extraction unit (1540).

The information extracting unit 1540 extracts information necessary for insurance approval from the insurance approval request message received through the specialized receiving unit 1535, and the information necessary for the insurance approval is the card information and the medical institution. Preferably comprises at least one disease code (or prescription code) information provided to the customer in the medical service, and then the information extracting unit 1540 includes the card information extracted from the insurance approval request text. Disease code (or prescription code) information is provided to the insurance approval unit (1550).

The insurance approval unit 1550 compares and authenticates the card information and the card information stored in the insurance approval information D / B 1565 to determine whether the customer is a member of the private medical insurance company of the non-paid insurance company. It is characterized in that the authentication.

According to an embodiment of the present invention, when the card information matching the card information included in the insurance approval request text is stored on the insurance approval information D / B 1565, the customer may purchase the private medical insurance company of the non-benefit-based insurance company. You are approved as a valid customer who has joined.

Further, the insurance approval unit 1550 extracts insurance product information linked to the card information from the insurance approval information D / B 1565, and includes a disease code (or prescription code) included in the insurance approval request text. By comparing and authenticating the information and the disease code (or prescription code) information included in the insurance product information, the medical service provided by the customer (e.g., the disease treated by the medical institution of the customer) is the non-payment standard medical insurance. It is characterized by checking whether it corresponds to the target.

According to the embodiment of the present invention, the disease code (or prescription code) information included in the insurance product information stored in the insurance approval information D / B (1565) and the disease code (or prescription code) included in the full insurance approval request If the information is matched, it is approved that the insurer should settle 90% of the medical expenses (eg, non-payment based medical expenses and customer contributions) that the client is required to pay to the medical institution.

If the settlement approval of the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text is approved by the insurance approval unit 1550, the information extraction unit 1540 is the insurance approval request. Extracting information for settlement to a non-wage-based medical insurance, and / or information for settlement to a pay-based medical insurance, and / or information for settlement to a customer contribution. The necessary information may include the card information, the non-paid medical insurance settlement amount (or insurance payment amount) and / or the salary-based medical insurance settlement amount (or insurance payment amount) and / or the customer contribution settlement amount, and medical institution information. Preferably, the information extracting unit 1540 is extracted from the insurance approval request text. The card information, at least one settlement amount, and medical institution information to the settlement processor 1560.

According to an exemplary embodiment of the present invention, when the card information includes a virtual account number corresponding to the customer virtual account and financial institution information, the information extracting unit 1540 sends the card information to the settlement processing unit 1560. to provide.

According to another exemplary embodiment of the present invention, when the card information includes a predetermined card number (or customer ID information or customer social security number), the information extracting unit 1540 may include insurance approval information D / B 1565 ( Or a customer virtual account number associated with the card information and a database having financial institution information), and extracts the customer virtual account number and financial institution information associated with the card information to the settlement processor 1560.

The settlement processing unit 1560 is the card information (for example, the customer virtual account number and the information of the financial institution opened the virtual account) from the information extraction unit 1540 and at least one or more settlement amount (for example, non-payment based medical insurance settlement) Amount, salary-based medical insurance settlement amount, customer contribution settlement amount, etc.) and medical institution information, the non-payment to the virtual account in connection with the financial system corresponding to the financial institution corresponding to the card information through a predetermined communication means The amount of the standard medical insurance settled amount and / or salary standard medical insurance settled amount and / or the customer's contribution settled amount, etc. are deposited, and the non-payment based medical insurance settled amount and / or the salary based medical settled amount settled Final transfer (or deposit) from the customer virtual account to the medical institution (or medical institution account) Provide the medical institution information (eg, medical institution identification information, medical institution account information, etc.) to the financial system.

According to an embodiment of the present invention, when the customer virtual account is processed in connection with the financial institution mother account, the settlement processing unit 1560 is connected with the financial system to determine the non-benefit-based medical insurance settlement amount (or insurance payment amount). Withdraw money from a non-paid insurance company account and deposit it into the financial institution mother account, and / or withdraw the salary-based medical insurance settlement amount (or benefit payment amount) from the pay insurance company account and deposit it into the financial institution mother account, and / or the After withdrawal from the card company / financial company account corresponding to the payment method provided on the card and deposits the payment amount to the financial institution mother account, and provides the customer virtual account number and the medical institution information to the financial system, The financial system is at least one deposited into the financial institution mother account After the settlement amount is transferred from the financial institution mother account to the customer virtual account, at least one settlement amount information and the medical institution information are linked to the customer virtual account.

Thereafter, the non-benefit-based medical insurance settlement amount (or insurance payment amount) and / or the salary-based medical insurance settlement amount (or insurance payment amount) transferred to (or deposited from) the customer virtual account through the financial institution mother account and / or Alternatively, the amount settled by the customer may be finally transferred (or deposited) to the medical institution account corresponding to the medical institution information through the financial system.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in association with the medical insurance integrated management institution mother account, the settlement processing unit 1560 is linked with the financial system to settle the non-wage standard medical insurance amount (or insurance money). The amount paid) from the non-paid insurer account and deposited into the mother insurance account of the integrated insurance management institution, and / or the withdrawal of the salary-based medical insurance settlement amount (or the amount paid) from the pay insurance company account. After depositing to the operating institution mother account, and / or withdraw the settled amount of the customer contribution from the card company / financial company account corresponding to the payment method provided on the card to the medical insurance integrated management institution mother account, the customer virtual account number And provide medical institution information to the financial system, and respond to The financial system transfers at least one settled amount deposited to the mother's account of the integrated medical insurance management institution from the mother's account of the integrated medical insurance management institution to the customer's virtual account, and includes at least one settled amount information on the client's virtual account. Cooperative processing of the medical institution information.

Thereafter, the non-wage-based medical insurance settlement amount (or insurance payment amount) and / or the salary-based medical insurance settlement amount (or insurance payment) transferred (or deposited) to the customer virtual account through the medical insurance integrated management institution mother account. Amount) and / or customer fee settlement amount, etc. are finally transferred (or deposited) to the medical institution account corresponding to the medical institution information through the financial system.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in connection with the insurance company's mother account, the settlement processing unit 1560 is linked with the financial system to settle the non-benefit-based medical insurance payment amount (or insurance payment amount). Withdraw money from the non-paid insurer account and deposit it into the insurer's mother account, and / or withdraw the salary-based medical insurance settlement amount (or benefit payment amount) from the payroll insurer account and deposit it into the insurer's mother account, and / or the After withdrawal from the card company / financial company account corresponding to the payment method provided on the card and deposits the payment amount to the insurance company mother account, the customer virtual account number and the medical institution information is provided to the financial system. The financial system includes at least one deposited in the insurance company's mother account The settlement amount is transferred from the insurance company mother account to the customer virtual account, and at least one settlement amount information and the medical institution information are linked to the customer virtual account.

Thereafter, the non-benefit based medical insurance settlement amount (or insurance payment amount) and / or the salary based medical insurance settlement amount (or insurance payment amount) and / or transferred (or deposited) to the customer virtual account through the insurance company mother account and / or The payment amount of the customer fee is finally transferred (or deposited) to the medical institution account corresponding to the medical institution information through the financial system.

If the settlement approval for the non-payment standard medical insurance settlement amount (or the insurance payment amount) included in the insurance approval request text is approved by the insurance approval unit 1550, the full text generation unit 1545 grants a predetermined insurance approval. Generate a predetermined insurance processing history corresponding to the details, and generate a predetermined insurance approval text including the generated insurance processing history, and then transfer the generated insurance approval text to the specialized transmission unit 1555. To provide.

Or, if the settlement processing for the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request telegram is not approved by the insurance approval unit 1550, the preamble generation unit 1545 is a predetermined one. Generate a predetermined insurance processing history corresponding to the insurance error history, and generate a predetermined insurance approval text including the generated insurance processing history, and then transfer the generated insurance approval text to the specialized transmission unit ( 1555).

When the expert transmission unit 1555 generates an insurance approval letter including the insurance treatment details by the expert generation unit 1545, the insurance approval letter is integrated through the salary / non-payment standard medical insurance through the communication means. It is characterized in that the transmission to the server 1500, the salary / non-payment standard medical insurance integrated operation server 1500 relays the insurance approval to the insurance processing terminal (1570) provided in the medical institution.

Referring to FIG. 15, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the external system of the financial system is linked to the settlement processing unit 1560 provided in the insurance company server 1530 to the virtual account of the non-wage-based medical insurance settlement amount and / or salary-based medical insurance settlement amount And / or deposit a payment amount for a customer contribution, and the non-payment based medical insurance amount and / or a salary based medical insurance amount and / or a customer contribution settlement amount are finalized from the customer virtual account to the medical institution (or medical institution account). It is characterized in that it comprises a medical expenses settlement unit for transferring (or deposit) processing.

According to an embodiment of the present invention, when the customer virtual account is processed in association with the financial institution mother account, the medical expenses settlement unit is linked to the settlement processing unit 1560 of the insurance company server 1530 from the non-payment based insurance company account Withdraw the non-benefit-based medical insurance settlement amount (or insurance payment amount) and deposit it into the financial institution mother account, and / or withdraw the salary-based medical insurance settlement amount (or insurance payment amount) from the salary-based insurance company account. Deposit to the institutional mother account, and / or withdraw the customer contribution settlement amount from the card company / financial company account corresponding to the payment method provided in the card, and deposit the money to the financial institution mother account, and the customer virtual from the settlement processing unit 1560 If an account number is provided, at least one payment settled in the financial institution's mother account When an amount is transferred (or deposited) to the customer virtual account linked to the financial institution mother account, and / or the medical institution information is provided from the settlement processing unit 1560, at least one or more of the settlement amount is added to the customer virtual account. It is preferable to withdraw money from the bank and make a final transfer (or deposit) to a medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement portion of the non-payment based medical insurance settlement amount (or insurance payment amount) and / or salary-based medical insurance settlement amount (or insurance payment amount) and transferred (or deposited) to the customer virtual account through the financial institution mother account and And / or payment (or payment) of non-paid health care payments (or payments) that are immediately transferred (or deposited) to the account of the provider corresponding to the medical institution information, or / or transferred (or deposited) to at least one customer virtual account. And / or maintain a fixed amount of medical insurance payment amount (or insurance payment amount) and / or customer payment settlement amount for a period of time, and then periodically transfer (or deposit) to a medical institution account corresponding to the medical institution information. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in association with the medical insurance integrated management institution mother account, the medical expenses settlement unit is linked with the settlement processor 1560 of the insurance company server 1530, the non-payment based insurance company Withdraw the non-benefit-based medical insurance settlement amount (or insurance payment amount) from the account and deposit it into the mother insurance account of the integrated health insurance management institution, and / or the salary-based medical insurance settlement amount (or insurance payment amount) from the salary-based insurance company account Withdraw the funds to the medical insurance integrated management institution mother account, and / or withdraw the settlement amount from the card company / financial company account corresponding to the payment method provided on the card to the medical insurance integrated management institution mother account. The customer virtual account number is set from the settlement processing unit 1560. When the at least one settlement amount deposited in the medical insurance integrated management institution mother account is transferred (or deposited) to the customer virtual account linked to the medical insurance integrated management institution mother account, and / or the settlement processing unit 1560 When the medical institution information is provided, it is preferable to withdraw at least one or more of the settlement amount from the merchant customer virtual account and finally transfer (or deposit) the medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement unit is a non-payment based medical insurance settlement amount (or insurance payment amount) and / or salary based medical insurance settlement amount (or insurance payment) transferred (or deposited) to the customer virtual account through the medical insurance integrated management institution mother account Payment amount) and / or customer contribution settlement amount (or payment) immediately transferred (or deposited) to a medical institution account corresponding to the medical institution information, or a non-benefit based medical insurance settlement amount (or transferred) to at least one customer virtual account (or The amount of the insurance payment) and / or the salary-based medical insurance settlement (or the amount of the insurance payment) and / or the payment of the customer's copayment for a certain period of time, and then periodically transfer (or deposit) to the medical institution account corresponding to the medical institution information. It is preferable that the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when the customer virtual account is linked to the insurance company mother account, the medical expenses settlement unit is linked to the settlement processing unit 1560 of the insurance company server 1530 from the non-payment based insurance company account. Withdraw a non-benefit basis medical insurance amount (or benefit payment amount) and deposit it into the insurer's mother account, and / or withdraw the salary standard medical insurance amount (or benefit payment amount) from the payroll insurer account. And withdrawal of the customer contribution payment amount from the card company / financial company account corresponding to the payment method provided on the card and deposits the money into the insurance company mother account, and the customer virtual account number from the settlement processing unit 1560 If provided, at least one settlement amount deposited in the insurer's parent account Transfer (or deposit) to the customer virtual account linked to the insurer's parent account, and / or when the medical institution information is provided from the settlement processing unit 1560, at least one or more of the settlement amount is transferred from the merchant customer virtual account. It is preferable to withdraw money and make a final transfer (or deposit) to a medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement portion of the non-payment based medical insurance payment amount (or insurance payment amount) and / or salary-based medical insurance payment amount (or insurance payment amount) and / or transferred (or deposited) to the customer virtual account through an insurance company mother account and / or Or immediately transfer (or deposit) the payment of the client's contribution to the provider's account corresponding to the provider's information, or settle (or pay) the non-wage-based health insurance payment transferred (or deposit) to at least one customer's virtual account; It is preferable to maintain the fixed amount of medical insurance payment amount (or insurance payment amount) and / or customer contribution settlement amount for a certain period of time, and then transfer (or deposit) to the medical institution account corresponding to the medical institution information periodically. The present invention is not limited by this.

16 is a diagram showing the functional configuration of an insurance processing terminal 1570 according to an embodiment of the present invention.

More specifically, FIG. 16 illustrates an implementation of an insurance processing terminal 1570 for integrated settlement processing of customer medical expenses through the salary / non-salary standard medical insurance on the salary / non-salary standard medical insurance integrated management system shown in FIG. 15. As a method, one of ordinary skill in the art to which the present invention pertains, various insurance treatments for the integrated settlement of the customer's medical expenses through the salary / non-salary-based medical insurance by referring to and / or modified in this figure 16 Although the functional configuration of the terminal 1570 may be inferred, it is to be understood that the technical features of the present invention are not limited to this figure 16 but include all the inferred implementation methods.

For example, the insurance processing terminal 1570 shown in FIG. 16 includes at least an insurance processing terminal, a financial automation device, a credit authorization terminal (CAT), a point of sales (POS) terminal, or the like provided in the medical institution. It consists of one or more.

Referring to FIG. 16, the insurance processing terminal 1570 basically includes a control unit 1605, a memory unit 1650, a card reader unit 1610, a key input unit 1620, a screen output unit 1615, and a communication processing unit 1630. ) And a security application module 1635, a print output unit 1640, and a power supply 1625 for supplying power to the insurance processing terminal 1570, and at least one terminal function unit according to the intention of a person skilled in the art. (Not shown) and the like.

The control unit 1605 controls the overall operation of the insurance processing terminal 1570 according to the function configuration, manages the flow of information or data between each component, and integrated settlement of customer medical expenses through the salary / non-salary standard medical insurance It is characterized by controlling the components provided in the insurance processing terminal (1570) for processing, and at least one processor and execution memory (for example including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) And a bus for inputting and outputting predetermined data, and a register and / or random access memory (RAM) and a predetermined data for performing a function specific to the insurance processing terminal 1570 in software. Predetermined program routines and / or programs which are loaded from the recording medium of the recording medium into the execution memory and are processed by the processor. A predetermined program and / or the insurance processing recorded on a recording medium provided in the insurance processing terminal 1570 for processing the integrated settlement of the client's medical expenses through the salary / non-salary-based medical insurance. Among the functional configurations provided in the terminal 1570, a component capable of being processed by software is illustrated as being provided in the controller 1605.

According to an embodiment of the present invention, the control unit 1605 may include components (eg, the memory unit 1650, the card reader unit 1610, the key input unit 1620, and the screen) provided in the insurance processing terminal 1570. The insurance processing terminal by interworking an output unit 1615, a communication processing unit 1630, a security application module 1635, a print output unit 1640, and / or a terminal function unit (not illustrated) according to the intention of a person skilled in the art. The insurance processing terminal 1570 controls and manages the provision of the integrated settlement processing service of medical expenses as defined in 1570, as well as the integrated settlement processing of the client's medical expenses through the salary / non-salary standard medical insurance according to the present invention. ) Are recorded in a recording medium provided in the insurance processing terminal 1570 for the mutual settlement of the components provided in the control unit and / or for the integrated settlement of the client's medical expenses through the salary / non-salary-based medical insurance. Pro It is desirable to run the program.

The memory unit 1650 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the insurance processing terminal 1570 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 1605 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an embodiment of the present invention, the memory unit preferably stores medical institution information (eg, medical institution identification information, medical institution account information, etc.) to be included in a predetermined insurance approval request text generated by the insurance processing terminal 1570. .

The customer who receives the integrated settlement processing of the customer's medical expenses through the salary / non-salary standard medical insurance according to the present invention through the insurance processing terminal 1570, the MS (Magnetic Stripe) card, and based on the ISO / IEC 7810 standard; Carry a contact IC card (or wireless IC chip) based on ISO / IEC 7816 and / or at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 The card reader unit 1610 may provide an interface for reading at least one or more information or data included in the card.

According to an embodiment of the present invention, the card reader unit 1610 may include an MS reader unit providing an interface between the MS card and the insurance processing terminal 1570, and / or the contact IC card and the insurance processing terminal ( 1570) a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the insurance processing terminal 1570.

The MS reader unit is a card reader unit 1610 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the insurance processing terminal 1570 by using the.

The contact IC reader unit is a card reader unit 1610 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the insurance processing terminal (1570).

The contactless IC reader unit is a card reader unit 1610 based on ISO / IEC 14443. The contactless IC reader unit uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and insurance information or data from the IC chip through the half-duplex transaction using the APDU It is characterized in that the interface to the processing terminal 1570.

According to an exemplary embodiment of the present invention, the card reader unit 1610 may be provided with at least one card reader unit 1610 from the at least one card reader unit 1610 for an integrated settlement processing service of medical expenses defined in the insurance processing terminal 1570. It is preferable to read predetermined card information provided in the card through the card issuing system shown in FIG.

The key input unit 1620 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the insurance processing terminal 1570 controlled by the control unit 1605. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1605. The control unit 1605 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the insurance processing terminal 1570, and / or matches the key event to determine the key. It is characterized by obtaining a command for executing a predetermined function. The key input unit 1620 and the key input device having at least one key button interoperate with each other to perform a function of a key input unit provided in the insurance processing terminal 1570.

The key input device interworking with the key input unit 1620 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, English letter key, and / or Korean). Keyboard device having a character key) and a function key, and / or have at least one numeric key and a function key in conjunction with the screen output means, and / or have at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 1620 is provided to the integrated settlement processing service of the medical expenses from at least one key input device for the integrated settlement processing services of the medical expenses defined in the insurance processing terminal 1570. It is preferable to perform a function of a key input means for receiving corresponding key data (e.g., payment amount, etc.), and the key for integrated settlement processing of customer medical expenses through salary / non-salary standard medical insurance according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing integrated settlement processing of customer medical expenses through the salary / non-salary standard medical insurance from an input device.

The screen output unit 1615 is an LCD (Liquid Crystal Display) by the control unit 1605 while the insurance processing terminal 1570 performs a predetermined function (eg, integrated settlement processing of medical expenses using a card). And / or at least one or more information or data which is predefined or defined in real time to be output to a predetermined display device including a Cathode Ray Tube (CRT) and / or a CRT (Cathode Ray Tube). The screen output unit 1615 and the screen output device interoperate with each other to perform a function of a screen output means provided in the insurance processing terminal 1570.

Predefined information or data to be output to the screen output device by the insurance processing terminal 1570 is provided in the key data input through the key input unit 1620 and / or in the insurance processing terminal 1570. Information (or data) stored or generated by the component, information (or data) transmitted and received through the communication processing unit 1630, and / or a predetermined operation result performed by the insurance processing terminal 1570 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 1615 is configured to provide the medical expenses according to each electronic payment step to the screen output apparatus for the integrated settlement processing service of medical expenses defined in the insurance processing terminal 1570. It is preferable to perform a function of a screen output means for outputting an integrated settlement processing screen, and the salary / non-paid to the screen output device for the integrated settlement processing of customer medical expenses through the salary / non-salary standard medical insurance according to the present invention. It is preferable to perform the function of the screen output means for outputting a processing screen corresponding to the step of providing the integrated settlement processing of the customer medical expenses through the standard medical insurance.

The communication processing unit 1630 integrates the salary / non-salary standard medical insurance through the network in the process of the insurance processing terminal 1570 performs a predetermined function (for example, integrated settlement processing of medical expenses using a card). A terminal (or device) connected to the server 1500 and a communication channel for integrated settlement processing of medical expenses, and / or connected to the insurance processing terminal 1570 through a predetermined cable and / or the insurance processing terminal ( 1570) and a predetermined communication means for connecting a communication session with a terminal (or device) connected through a predetermined short-range wireless communication, and a salary / non-payment standard medical insurance integrated operation server through a network means ( 1500) a network communication unit for connecting a predetermined communication channel, and / or for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port. And a short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device to a predetermined communication session through a table communication unit and / or at least one or more short range wireless communication means. Or a communication protocol and / or driver for connecting a communication session).

The network communication unit may include a predetermined wired network including a high speed internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication) and / or a financial common network and / or a mobile communication network or a wireless data communication network. And connecting a communication channel with the salary / non-payment standard medical insurance integrated operation server 1500 through a network means including at least one wireless network, wherein the insurance processing terminal 1570 is hardware-determined. It includes a modem or a network interface card (NIC) for connecting to a network, and includes a communication protocol and / or driver for software to connect the insurance processing terminal 1570 to the wired or wireless network. It is done by

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, LAN, RS-232c, USB (Universal Serial Bus)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for private short range wireless communication in software.

Here, the terminal (or device) connected through the cable communication unit and / or the short-range wireless communication unit includes a terminal (or device) used by at least one or more doctors (or nurses) providing predetermined medical services in the medical institution. Through the terminal (or device), the insurance processing terminal 1570 may provide predetermined disease code (or prescription code) information and / or non-payment based medical insurance settlement amount (or insurance payment amount). .

The security application module 1635 (SAM) is a confidentiality and / or authentication required by the insurance processing terminal 1570 to perform an integrated settlement procedure for medical expenses through the card. And / or security requirements, including integrity and / or nonrepudiation, can be secured and trusted within the insurance processing terminal 1570 without using an authentication server (not shown) on the network means. As a safety device for performing such a structure, a predetermined message (information or data) processed in the process of the insurance processing terminal 1570 performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function) is performed. An important key in the process of encrypting or decrypting, adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. A it characterized in that it performs the function of storing.

In general, the security application module 1635 is preferably composed of a predetermined security application module 1635 inserter and a security application module 1635 chip, the security application module 1635 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

Also, the security application module 1635 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, and code values required for the insurance processing terminal 1570 to perform a predetermined security request function). And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 1640 may include a process of performing the predetermined function (e.g., integrated settlement processing of medical expenses using a card) and / or predetermined information or data generated as a result of the insurance processing terminal 1570 ( For example, the result of the integrated settlement of medical expenses) is output to a predetermined printing device (for example, a receipt printing machine), and the printing information or data is printed through the predetermined printing device in accordance with a predefined printing form. It comprises a printing protocol and a driver for.

Referring to FIG. 16, the insurance processing terminal 1570 acquires at least one or more information to be included in a full insurance approval request for integrated settlement processing of customer medical expenses through salary / non-salary standard medical insurance according to the present invention. Confirmation of information confirming whether the acquisition unit 1655 and at least one or more information obtained through the information acquisition unit 1655 satisfy the integrated settlement processing condition of the customer medical expenses through the salary / non-salary standard medical insurance according to the present invention. If the unit 1660 and at least one or more information obtained through the information acquisition unit 1655 satisfies the integrated settlement processing condition of the customer's medical expenses through the salary / non-salary standard medical insurance according to the present invention, the acquired at least Insurance generated through the information generating unit 125 (1665) and the information generating unit 125 (1665) for generating a predetermined insurance approval request text including one or more pieces of information. The information transmission unit 1670 for transmitting the full approval request to the salary / non-salary standard medical insurance integrated operation server 1500 through the communication processor 1630, and the salary / non-salary standard medical insurance integrated operation server 1500 from the An information receiving unit 115 (1675) for receiving an insurance approval message corresponding to the insurance approval request text, and an insurance processing history included in the insurance approval text, and the screen is output through the screen output unit 1615; And / or an information processing unit 1680 for printing and outputting through the print output unit 1640.

The information acquisition unit 1655 may settle the non-payment based medical insurance payment amount (or the payment amount) and / or the salary based medical insurance payment among the medical expenses that the customer should pay to the medical institution through the key input unit 1610. A terminal used by a doctor (or nurse) of the medical institution to receive an amount of money (or an insurance payment amount) and / or a customer payment settlement amount, and / or a cable communication unit and / or a short range wireless communication unit of the communication processing unit 1630. (Or the device) receives and obtains the non-benefit based medical insurance settlement amount (or insurance payment amount) and / or salary based medical insurance settlement amount (or insurance payment amount) and / or customer contribution settlement amount. .

In this case, the information checking unit 1660 determines whether the information obtaining unit 1655 enters the non-payment standard medical insurance settlement amount (or the insurance payment amount) through the key input unit 1610 (or the client enters the medical institution). Check whether information corresponding to the non-payment standard medical insurance item is input, and / or a doctor (or nurse) of the medical institution through the cable communication unit and / or the short range wireless communication unit of the communication processing unit 1630. Whether the non-benefit-based medical insurance settlement amount (or insurance payment amount) is input from the terminal (or device) used by the user (or information corresponding to the non-paid-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is input. It is characterized by checking.

If the non-wage-based medical insurance settlement amount (or insurance payment amount) is input through the information verification unit 1660 (or the information corresponding to the non-wage-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution is provided) If it is not confirmed, it is preferable that the salary / non-salary standard medical insurance integrated operation service according to the present invention is not provided.

On the other hand, the information corresponding to the non-benefit-based medical insurance item among the medical expenses that the customer has to pay to the medical institution is input (or the amount of the non-payment-based medical insurance settled amount (or insurance payment amount) through the information checking unit 1660). And the information acquisition unit 1655 receives a predetermined card from the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 1610. Characterized by reading the information.

At this time, the information confirmation unit 1660 is a debit card payment means and / or prepaid card payment means and / or credit card payment to the card information obtained by the information acquisition unit 1655 through the card reader unit 1610 It is characterized by checking whether payment means information corresponding to at least one payment means among the means is included.

If at least one or more payment means information is not identified in the card information through the information checking unit 1660, the salary / non-payment standard medical insurance integrated operation service according to the present invention is based on the salary-based medical insurance payment amount and non-payment standard medical care. Salary / non-payment based medical insurance integrated operation service for insurance settlement amount is provided, and the customer contribution is settled through at least one payment method of the debit card payment method and / or prepaid card payment method and / or credit card payment method. It is preferable not to provide a salary / non-salary standard medical insurance integrated operation service characterized by processing.

On the other hand, if at least one or more payment means information is confirmed in the card information through the information check unit 1660, the integrated salary / non-payment based medical insurance service according to the present invention is based on the salary-based medical insurance payment and non-payment-based medical insurance Integrating salary / non-payroll based health insurance, the settlement amount and the customer contribution settlement amount are settled through at least one of the debit card payment method and / or the prepaid card payment method and / or the credit card payment method. Characterized in that the operation service is provided.

In addition, the information acquisition unit 1655 is characterized in that to extract and obtain the medical institution information that provides the medical service to the customer from the memory unit.

In addition, the information acquisition unit 1655 may receive predetermined disease code (or prescription code) information from the key input unit 1610, and / or a cable communication unit and / or a short range wireless communication unit of the communication processing unit 1630. It is characterized in that by receiving the predetermined disease code (or prescription code) information from the terminal (or device) used by the doctor (or nurse) of the medical institution.

The information generating unit 125 and 1665 may include at least one card information, at least one settlement amount, medical institution information, and disease code (or prescription code) information obtained through the information obtaining unit 1655. Characterized in that the full text of the approval request.

As a result of the check by the information confirming unit 1660, when at least one or more payment means information is not included in the card information, a preferred embodiment of the insurance approval request text generated by the information generating unit 125 and 1665 is generated. Will be described in detail with reference to FIG.

However, the insurance approval request text generated by the full text generation unit 1545 is not limited to the case of FIG. 17, and the debit card payment means information is included in the card information as a result of the check by the information verification unit 1660. If included, the full insurance approval request generated by the information generating unit 125 (1665) may be implemented as shown in FIG. 26.

When the insurance approval request full text is generated through the information generating unit 125 (1665), the information transmitting unit 1670 transmits the insurance approval request full text to the salary / non-payment through the network communication unit of the communication processing unit 1630. Characterized in that the transmission to the standard health insurance integrated operation server 1500, and then the information receiving unit 115, 1675 is the salary / non-payment standard medical insurance integrated operation server through the network communication unit of the communication processing unit 1630 The insurance approval message including the insurance processing details corresponding to the insurance approval request text is received from 1500.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the salary / non-payroll standard medical insurance integrated operation server 1500 through the network communication unit of the communication processing unit 1630, the information receiving unit 115, 1675 provide the received insurance approval text to the information processor 1680.

The information processing unit 1680 extracts an insurance processing history including any one of insurance approval details or insurance error details from the insurance approval full text, and outputs the insurance processing details through the screen output unit 1615, or And / or print output through the print output unit 1640.

17 is a diagram illustrating the insurance approval request full text structure according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates an insurance approval request specialized structure transmitted from a predetermined insurance processing terminal 1570 shown in FIG. 16 to a salary / non-pay based medical insurance integrated operation server 1500 through a predetermined network means. As an example of an implementation method, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 17, and various implementation methods for the insurance approval request structure according to the intention to those skilled in the art. It may be inferred that the present invention includes all the inferred implementation methods, and the insurance approval request structure is not limited to that illustrated in FIG.

Referring to FIG. 17, the insurance approval request full-text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The insurance approval request text includes a transaction category (eg, medical insurance integrated settlement request, medical insurance integrated settlement cancellation, etc.) related to the medical insurance integrated settlement processing, and a terminal_ID corresponding to the insurance processing terminal 1570 provided in the medical institution. An item, an information input mode item, and card information (eg, financial institution information, insurance company information, virtual account information, etc.) obtained from a predetermined card through a card reader provided in the insurance processing terminal 1570. After the prescribed FS (File Separator, 0X1C), the salary-based medical insurance settlement amount (or insurance payment amount) item, the non-payment-based medical insurance settlement amount (or insurance payment amount) item, and the client Please check the customer owing item, working key index item, password item, disease code (or prescription code) information item and document serial number item. It is made to include.

Here, the Terminal_ID item is an information item corresponding to the medical institution information, and the salary / non-salary standard medical insurance integrated operation server 1500 and / or the insurance company server 1530 are the insurance processing terminal 1570 through the Terminal_ID item. The provided medical institution can be confirmed, and a medical institution account corresponding to the medical institution can be confirmed.

According to another exemplary embodiment of the present invention, the insurance approval request message may further include at least one medical institution information item (eg, medical institution name, medical institution account number, etc.) that can intuitively recognize the medical institution in addition to the Terminal_ID item. The present invention is not limited thereby.

In addition, the information input mode item is information for confirming whether information included in the insurance approval request text is received from a doctor (or nurse) terminal provided in the medical institution, or input through a predetermined key input.

The card information item is card information read from a card issued to the customer through the card issuing system shown in FIG. 1 and includes virtual account information, financial institution information, and insurance company information. If predetermined card information is read from the card issued to the customer through the card issuing system shown in FIG. 8, the card information may include a predetermined card number, thereby limiting the present invention. No.

The salary-based medical insurance settlement amount (or insurance payment amount) item includes an amount to be settled by the National Medical Insurance Corporation out of the total medical expenses to be paid to the medical institution by the customer, and the non-payment-based medical insurance An insurance settlement amount (or an insurance payment amount) item includes an amount to be settled through the private medical insurance of the total medical expenses that the customer is required to pay to the medical institution, and the customer contribution item is settled in the medical insurance integrated settlement. After the treatment, the customer pays the amount of the customer fee to be finally paid to the medical institution.

The disease code (or prescription code) information item may include at least one disease code (or prescription code) information corresponding to the counterpart of providing medical services to the customer by the medical institution, and the disease code (or Prescription code) information preferably comprises code information that can be confirmed by the insurance company that finally receives the full insurance approval request.

In addition, the document serial number item is information for managing the full insurance approval request, and includes a unique number assigned so as not to be duplicated in the insurance processing terminal (1570).

18 is a diagram illustrating a process of requesting an integrated settlement process of medical expenses according to an embodiment of the present invention.

More specifically, FIG. 18 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 1 after a predetermined customer is provided with medical services at a predetermined medical institution. In the case of the total medical expenses corresponding to the medical service, in addition to the medical expenses set by the National Health Insurance Corporation to the medical institution in response to the medical insurance card, some of the customer contributions are paid / paid based on the medical insurance shown in FIG. As a process for requesting integrated settlement through an integrated operation system, those skilled in the art to which the present invention pertains may request the integrated settlement of the medical expenses by referring to and / or modifying the drawing 18. Various implementation methods may be inferred, but the present invention provides a method for inferring the inference. Both are included and are not limited by the implementation method shown in FIG.

In the drawing 18, the insurance processing terminal 1570 shown in the drawings 15 and / or 16 is referred to as " terminal " for convenience.

Before the client receives (or provides) at least one or more medical services by visiting a predetermined medical institution with a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. After receiving), present the medical insurance card and the card.

Referring to FIG. 18, the terminal having the functional configuration shown in FIG. 16 performs an integrated settlement process through the salary / non-salary standard medical insurance integrated operation system shown in FIG. To input the salary / non-payment standard medical insurance settlement amount and / or disease code (or prescription code) information through a predetermined key input means, and / or the disease code (or prescription) from a predetermined doctor (or nurse) terminal. Code) information and / or salary / non-payment based medical insurance settlement amount information, and the non-payment based medical insurance settlement amount (or non-payment of medical expenses that the customer is required to pay to the medical institution) in the input (or received) information. Information corresponding to the standard medical insurance item) is included (1800).

If the information input (or received) does not include the non-payment based medical insurance settlement amount (or information corresponding to the non-paying based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) (1802), The terminal waits until the non-wage-based medical insurance settlement amount (or information corresponding to the non-wage-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is input (or received), and the non-wage-based medical insurance If the settlement amount (or the information corresponding to the non-paid medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is not input (or received), the salary / non-paid medical insurance integrated operation service according to the present invention is provided. It doesn't work.

On the other hand, if the input (or received) information includes the non-payment standard medical insurance settlement amount (or information corresponding to the non-payment based medical insurance items of the medical expenses that the customer should pay to the medical institution) (1802), the terminal Reads at least one or more card information from the card issued to the customer through a predetermined card reader, and at least one or more payments for processing the payment of the customer fee among the medical expenses that the customer should pay to the medical institution in the card information. Check whether the means information is included (1804).

If the card information includes at least one or more payment means information for payment processing of the customer contribution (1806), the terminal is a medical insurance integrated settlement process including a procedure for processing the customer payment through the payment means information Perform the procedure (not shown) (1808).

On the other hand, if the card information does not include any payment means information for processing the customer payment (1806), the terminal extracts the medical institution information from the memory and generates a predetermined journal serial number (1810). Generate the insurance approval request text as shown in FIG. 17 including the card information, the salary / non-pay based medical insurance settlement amount, the disease code (or prescription code) information, the medical institution information and the document serial number (1815), and the generated insurance The full approval request is transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 through a predetermined network means (1820).

The salary / non-salary standard medical insurance integrated operation server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message, and the insurance management information D / B through the card information. By inquiring (1525), the insurance company server 1530 which relays the full insurance approval request message is confirmed (1825).

If the insurance company server 1530 which relays the full insurance approval request is not confirmed (1830), the salary / non-payroll standard medical insurance integrated operation server 1500 may include insurance information including unconfirmed error information of a predetermined insurance company server 1530. Generate an approval telegram (1835), transmit the insurance approval telegram to the terminal through the network means (1840), and stop the medical insurance integrated settlement process.

On the other hand, when the insurance company server 1530 which relays the insurance approval request text is confirmed (1830), the salary / non-payment standard medical insurance integrated operation server 1500 to the confirmed insurance company server 1530 through a predetermined communication means The entire insurance approval request is relayed and transmitted (1845).

19 is a view showing a process of approving the integrated settlement of medical expenses according to an embodiment of the present invention.

In more detail, in FIG. 19, the insurance approval request message generated by the predetermined insurance processing terminal 1570 through the process shown in FIG. 18 is transferred to the insurance company server through the predetermined salary / non-salary standard medical insurance integrated operation server 1500. 1530, the insurance company server 1530 processes the approval of the insurance approval request text, and a person having ordinary knowledge in the art to which the present invention belongs may refer to FIG. 19 and / or Or it may be modified to infer various implementation methods for approving the integrated settlement of the medical cost, but the present invention includes all of the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 19, the insurance company server 1530 performs a predetermined non-wage medical insurance approval procedure, and performs a settlement procedure for the settlement amount of the salary / non-wage-based medical insurance in connection with a predetermined financial system. After performing, the insurance approval text corresponding to the insurance approval request text is generated and described as being transmitted to the salary / non-payment standard medical insurance integrated operation server 1500, but the present invention is not limited thereto. After performing the non-paid medical insurance approval procedure in the insurance company server 1530, a predetermined insurance approval text is generated and transmitted to the salary / non-paid medical insurance integrated operation server 1500, and linked with the financial system. Settlement procedures for the salary / non-payment health insurance amount may be performed.

Referring to FIG. 19, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 18 is transferred to the insurance company server through the predetermined salary / non-salary standard medical insurance integrated operation server 1500. 1530, the insurance company server 1530 extracts the card information and the disease code (or prescription code) information from the received insurance approval request text for approval of the non-paid medical insurance settlement (1905). By checking the insurance approval information D / B 1565 through the card information extracted from the insurance approval request text, it is checked whether the customer who is issued the card with the card information read is a non-paid medical insurance customer of the insurance company ( 1910).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered a non-paid medical insurance customer of the insurer.

If the card information check result is that the customer who issued the card with the card information read is not a non-paid medical insurance customer of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (1915), the insurance company server 1530 generates an insurance processing history including a predetermined insurance error history (1920), the insurance including the insurance processing history The approval text is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (1955).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is a non-paid medical insurance member of the insurance company (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (1915), the insurance company server 1530 is the insurance approval information D / B (1565) through the disease code (or prescription code) information extracted from the full insurance approval request information By checking the disease code (or prescription code) information included in the insurance product information linked to the card information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is covered by the non-paid medical insurance; (1925).

If the client is not covered by the non-paid medical insurance, the disease corresponding to the medical service provided by the medical institution (1930), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history ( In operation 1955, an insurance approval full text including the insurance treatment details is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (1955).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the non-paid medical insurance (1930), the insurance company server (1530) is the card information and salary / non-payment criteria from the received insurance approval request message Information for medical insurance integrated settlement processing, including medical insurance settlement amount and medical institution information is extracted (1935).

According to the implementation method of the present invention, the payment-based medical insurance settlement amount of the information for the medical insurance integrated settlement processing is used to settle the payment-based medical insurance benefits in the National Health Insurance Corporation.

Subsequently, the insurance company server 1530 connects to the financial system corresponding to the financial institution information included in the card information, and the non-payment through the virtual account number included in the card information, the non-payment based medical insurance settlement amount, and medical institution information. The settlement processing procedure for the reference medical insurance settlement amount is performed (1940).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. After withdrawing the non-payment standard medical insurance payment amount from the insurer account and depositing it into the financial institution mother account, the customer virtual account number and the medical institution information are provided to the financial system, and in response, the financial system provides the financial institution mother account. After transferring the non-payment based medical insurance settlement amount deposited into the client virtual account from the financial institution mother account, the salary / non-payment based medical insurance settlement amount information and the medical institution information are linked to the customer virtual account.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in association with the medical insurance integrated management agency mother account, the insurance company server 1530 is the financial system And withdraw the non-wage-based medical insurance settlement amount from the insurance company account and deposit it into the mother insurance account of the integrated medical insurance management institution, and provide the customer virtual account number and the medical institution information to the financial system. The financial system transfers the non-wage-based medical insurance settlement amount deposited to the medical insurance integrated management institution mother account from the medical insurance integrated management institution mother account to the customer virtual account, and then transfers the pay / non-payment based medical insurance to the customer virtual account. The settlement amount information and the medical institution information are linked.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. After transferring (or depositing) the non-wage-based medical insurance settlement amount from the insurance company's mother account to the customer virtual account, the customer virtual account number and the medical institution information are provided to the financial system. Linking the salary / non-salary standard medical insurance settlement amount information and the medical institution information to the customer virtual account.

If settlement of the non-wage-based medical insurance settlement amount is completed (1945), the insurance company server 1530 includes insurance approval details corresponding to the settlement process result of the non-wage-based medical insurance settlement amount in connection with the financial system. The insurance treatment details are generated (1950), and the insurance approval text including the insurance treatment details is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (1955).

20 is a diagram illustrating a process of processing the integrated treatment result of medical expenses according to an embodiment of the present invention.

More specifically, FIG. 20 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 19 and generates an insurance approval text including a predetermined insurance treatment history. By transmitting to the salary / non-salary standard medical insurance integrated management server 1500, the salary / non-salary standard medical insurance integrated management server 1500 for the process of processing the insurance approval, in the technical field to which the present invention belongs Those skilled in the art will be able to infer various implementation methods for processing the integrated treatment result of the medical cost by referring to and / or modifying the drawing 20, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

In the following drawing, the insurance processing terminal 1570 shown in Figs. 15 and / or 16 is referred to as " terminal " for convenience.

Referring to FIG. 20, through the process shown in FIG. 19, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When the salary / non-salary standard medical insurance integrated operation server 1500 is transmitted, the salary / non-salary standard medical insurance integrated operation server 1500 receives the insurance approval message transmitted from the insurance company server 1530 (2000). In step 2005, the received insurance approval message is relayed to the terminal provided in the medical institution through the network means.

The terminal receiving the insurance approval text from the salary / non-payment standard medical insurance integrated operation server 1500 reads the received insurance approval text and extracts predetermined insurance treatment details from the insurance approval text (2010), By reading the extracted insurance processing details, the insurance approval details or insurance error details for the non-payment standard medical insurance settlement amount is checked (2015).

If it is confirmed that the insurance error history for the non-payment standard medical insurance settlement amount is confirmed (2020), the terminal outputs the insurance error history on a predetermined screen provided in the terminal, and / or to the terminal. The printout is output to a predetermined printing device (2025).

On the other hand, if the insurance approval details for the non-payment standard medical insurance settlement amount is confirmed (2020), the terminal outputs the insurance approval details on a predetermined screen provided on the terminal, and / or to the terminal. The printout is output to a predetermined printing device (2030).

21 is a diagram illustrating a process of requesting an integrated settlement process for medical expenses according to another embodiment of the present invention.

More specifically, FIG. 21 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 8 after a predetermined customer is provided with medical services at a predetermined medical institution. In the case of the total medical expenses corresponding to the medical service, in addition to the medical expenses set by the National Health Insurance Corporation to the medical institution in response to the medical insurance card, some of the customer contributions are paid / paid based on the medical insurance shown in FIG. The process for requesting the integrated settlement process through an integrated operation system, and those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 21 to request the integrated settlement process of the medical cost It will be possible to infer various implementation methods, but the present invention provides a method for inferring the above Two included and is not limited by the exemplary method shown in the figure 21.

In the following Figure 21, the insurance processing terminal 1570 shown in Figures 15 and / or Figure 16 is referred to as " terminal " for convenience.

Before the client receives (or provides) at least one or more medical services by visiting a predetermined medical institution with a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. After receiving), present the medical insurance card and the card.

Referring to FIG. 21, the terminal having the functional configuration shown in FIG. 16 performs an integrated settlement process through the salary / non-pay-based medical insurance integrated operation system shown in FIG. To input the salary / non-payment standard medical insurance settlement amount and / or disease code (or prescription code) information through a predetermined key input means, and / or the disease code (or prescription) from a predetermined doctor (or nurse) terminal. Code) information and / or salary / non-payment based medical insurance settlement amount information, and the non-payment based medical insurance settlement amount (or of the medical expenses that the customer is required to pay to the medical institution) in the input (or received) information. Information corresponding to the non-payment standard medical insurance item) is included (2100).

If the input (or received) information does not include the non-payment standard medical insurance settlement amount (or information corresponding to the non-payment standard medical insurance item among the medical expenses that the customer is required to pay to the medical institution) (2102). The terminal waits until the non-wage-based medical insurance settlement amount (or information corresponding to the non-wage-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is input (or received), and the non-wage-based medical insurance If the settlement amount (or information corresponding to the non-paid medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is not input (or received), the salary / non-paid medical insurance integrated operation service according to the present invention is provided. It doesn't work.

On the contrary, if the input (or received) information includes the non-payment standard medical insurance settlement amount (or information corresponding to the non-payment based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) (2102), the terminal Reads at least one or more card information from the card issued to the customer through a predetermined card reader, and at least one or more payments for processing the payment of the customer fee among the medical expenses that the customer should pay to the medical institution in the card information. Check whether the means information is included (2104).

If the card information includes at least one or more payment means information for payment processing of the customer contribution (2106), the terminal is a medical insurance integrated settlement processing including a procedure for processing the customer payment through the payment means information Perform a procedure (not shown) (2108).

On the other hand, if the card information does not include any payment means information for processing the customer payment (2106), the terminal extracts the medical institution information from the memory and generates a predetermined journal serial number (2110). Generate the insurance approval request text as shown in FIG. 17, including card information, salary / non-payment based medical insurance settlement amount, disease code (or prescription code) information, medical institution information, and document serial number (2115). The full approval request is transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 through a predetermined network means (2120).

The salary / non-salary standard medical insurance integrated operation server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message, and the insurance management information D / B through the card information. By inquiring (1525), the insurance company server 1530 which relays the insurance approval request text is checked (2125).

If the insurance company server 1530 which relays the full insurance approval request is not confirmed (2130), the salary / non-payroll standard medical insurance integrated operation server 1500 may include insurance information including unconfirmed error information of a predetermined insurance company server 1530. Generate an approval message (2135), transmit the insurance approval message to the terminal through the network means (2140), and stops the medical insurance integrated settlement process.

On the other hand, if the insurance company server 1530 to relay the insurance approval request full text is confirmed (2130), the salary / non-payment standard medical insurance integrated operation server 1500 to the confirmed insurance company server 1530 through a predetermined communication means The insurance approval request message is relayed and transmitted (2145).

22 is a diagram illustrating a process of approving the integrated settlement of medical expenses according to another embodiment of the present invention.

More specifically, FIG. 22 shows an insurance company server through an insurance approval request text generated in a predetermined insurance processing terminal 1570 through a predetermined salary / non-salary standard medical insurance integrated operation server 1500 through the process illustrated in FIG. 21. 1530, the insurance company server 1530 processes the approval process of the insurance approval request text, and a person of ordinary skill in the art to which the present invention belongs, with reference to FIG. 22 and / or Or it may be modified to infer various implementation methods for approving the integrated settlement of the medical cost, but the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 22, the insurance company server 1530 performs a predetermined non-paid medical insurance approval procedure, and performs a settlement procedure for the amount of the salary / non-paid medical insurance settled in connection with a predetermined financial system. After performing, the insurance approval text corresponding to the insurance approval request text is generated and described as being transmitted to the salary / non-payment standard medical insurance integrated operation server 1500, but the present invention is not limited thereto. After the insurance company server 1530 performs the non-paid medical insurance approval procedure, a predetermined insurance approval text is generated and transmitted to the salary / non-paid medical insurance integrated operation server 1500, and linked with the financial system. Settlement procedures for the salary / non-payment health insurance amount may be performed.

Referring to FIG. 22, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 21 is transferred to the insurance company server through the predetermined salary / non-pay based medical insurance integrated operation server 1500. In operation 1530, the insurance company server 1530 extracts the card information and the disease code (or prescription code) information from the received insurance approval request text for approval of the non-wage medical insurance settlement (2205). By checking the insurance approval information D / B 1565 through the card information extracted from the insurance approval request text, it is checked whether the customer who is issued the card with the card information read is a non-paid medical insurance customer of the insurance company ( 2210).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered a non-paid medical insurance customer of the insurer.

If the card information check result is that the customer who issued the card with the card information read is not a non-paid medical insurance customer of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (2215), the insurance company server 1530 generates an insurance processing history including a predetermined insurance error history (2220), the insurance including the insurance processing history The full text of the approval is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (2260).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is a non-paid medical insurance member of the insurance company (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (2215), the insurance company server 1530 is the insurance approval information D / B (1565) through the disease code (or prescription code) information extracted from the full insurance approval request; By checking the disease code (or prescription code) information included in the insurance product information linked to the card information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is covered by the non-paid medical insurance; (2225).

If the disease corresponding to the medical service provided by the client is not covered by the non-paid medical insurance (2230), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (2230). 2220), and generates an insurance approval full text including the insurance treatment details and transmits it to the salary / non-salary standard medical insurance integrated operation server 1500 (2260).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the non-paid medical insurance (2230), the insurance company server 1530 is the card information and salary / non-payment criteria from the received insurance approval request message Information for medical insurance integrated settlement processing including medical insurance settlement amount and medical institution information is extracted (2235).

According to the implementation method of the present invention, the payment-based medical insurance settlement amount of the information for the medical insurance integrated settlement processing is used to settle the payment-based medical insurance benefits in the National Health Insurance Corporation.

Here, the card information is a card number (or customer ID information, or customer social security number) provided on the card issued through the card issuing system shown in FIG. 8, and the insurance approval information D / B 1565 includes the card. Predetermined virtual account information (e.g., a customer virtual account number and information on a financial institution in which the virtual account is opened, shown in FIG. 15 for convenience) is stored.

Accordingly, the insurance company server 1530 extracts the virtual account information (for example, the customer virtual account number and the financial institution information on which the virtual account is opened) matching the card information from the insurance approval information D / B 1565. 2240, the non-benefit-based medical insurance through the virtual account number included in the virtual account information, the non-benefit-based medical insurance settlement amount and medical institution information in association with a financial system corresponding to the financial institution information included in the virtual account information; A settlement processing procedure for the settlement amount is performed (2245).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. After withdrawing the non-payment standard medical insurance payment amount from the insurer account and depositing it into the financial institution mother account, the customer virtual account number and the medical institution information are provided to the financial system, and in response, the financial system provides the financial institution mother account. After transferring the non-payment-based medical insurance settlement amount deposited into the client virtual account from the financial institution mother account, the salary / non-payment-based medical insurance settlement amount information and the medical institution information are linked to the customer virtual account.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in association with the medical insurance integrated management agency mother account, the insurance company server 1530 is the financial system And withdraw the non-wage-based medical insurance settlement amount from the insurance company account and deposit it into the mother insurance account of the integrated medical insurance management institution, and provide the customer virtual account number and the medical institution information to the financial system. The financial system transfers the non-wage-based medical insurance settlement amount deposited to the medical insurance integrated management institution mother account from the medical insurance integrated management institution mother account to the customer virtual account, and then transfers the pay / non-payment based medical insurance to the customer virtual account. The settlement amount information and the medical institution information are linked.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. After transferring (or depositing) the non-wage-based medical insurance settlement amount from the insurance company's mother account to the customer virtual account, the customer virtual account number and the medical institution information are provided to the financial system. The salary / non-salary standard medical insurance settlement amount information and the medical institution information are linked to a virtual customer account.

If settlement of the non-wage-based medical insurance settlement amount is completed (2250), the insurance company server 1530 includes insurance approval details corresponding to the settlement processing result of the non-wage-based medical insurance settlement amount in connection with the financial system. The insurance treatment details are generated (2255), and the insurance approval text including the insurance treatment details is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (2260).

FIG. 23 is a diagram illustrating a process of processing an integrated treatment result of medical expenses according to an exemplary embodiment of the present invention.

More specifically, FIG. 23 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 22, and generates an insurance approval text including a predetermined insurance treatment history. By transmitting to the salary / non-salary standard medical insurance integrated management server 1500, the salary / non-salary standard medical insurance integrated management server 1500 for the process of processing the insurance approval, in the technical field to which the present invention belongs Those skilled in the art will be able to infer various implementation methods for processing the integrated treatment result of the medical expenses by referring to and / or modifying the drawing 23, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

In the drawing 23, the insurance processing terminal 1570 shown in the drawings 15 and / or 16 is referred to as " terminal " for convenience.

Referring to FIG. 23, through the process shown in FIG. 22, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When the salary / non-salary standard medical insurance integrated operation server 1500 is transmitted, the salary / non-salary standard medical insurance integrated operation server 1500 receives the insurance approval message transmitted from the insurance company server 1530 (2300). In step 2305, the received insurance approval message is relayed to the terminal provided in the medical institution through the network means.

The terminal receiving the insurance approval text from the salary / non-payment standard medical insurance integrated operation server 1500 reads the received insurance approval text and extracts a predetermined insurance processing history from the insurance approval text (2310). By reading the extracted insurance processing details, the insurance approval details or insurance error details of the non-payment standard medical insurance settlement amount are checked (2315).

If it is confirmed that the insurance error history for the non-payment standard medical insurance settlement amount is confirmed (2320), the terminal outputs the insurance error history to a predetermined screen provided on the terminal, and / or to the terminal. The printer outputs the printed output to a predetermined printing device (2325).

On the other hand, if the insurance approval details for the non-payment standard medical insurance settlement amount is confirmed (2320), the terminal outputs the insurance approval details on a predetermined screen provided in the terminal, and / or to the terminal. The printer outputs the printed output to a predetermined printing device (2330).

24 is a diagram showing a salary / non-salary standard medical insurance integrated operating system configuration according to another embodiment of the present invention.

More specifically, FIG. 24 shows the medical expenses that the customer should pay to a predetermined medical institution using a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8. The insurance settlement amount (or insurance payment amount) and the customer's contribution are settled and processed, and among the medical expenses, the customer's contribution that the customer has to pay to the medical institution at the medical insurance integrated management institution is paid by predetermined direct debit. As a person of ordinary skill in the art to which the present invention pertains, the medical expenses to be paid by the customer to a predetermined medical institution by using the card by referring to and / or modifying the drawing 24 are described. Settlements based on the combined payment of medical insurance payment amount (or insurance payment amount) and customer contribution based on salary / non-payment In addition, various system configurations for payment processing of the customer fee may be inferred, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to implement a method of payment processing of the customer charge through prepayment and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

Hereinafter, when the storage medium 140 shown on the card issuance system shown in FIGS. 1 and / or 8 is provided in the integrated salary / non-payment standard insurance organization, the storage medium 140 is shown in FIG. 24. ) Is referred to as "insurance management information D / B 1525" for convenience, and when the storage medium 140 is provided in at least one insurance company, the storage medium 140 is referred to as "insurance approval information D / B 1565" for convenience. ) "

Referring to Figure 24 according to an embodiment of the present invention, the salary / non-payment standard medical insurance integrated operating system is a card issued to the customer through the card issuance system shown in Figures 1 and / 8, and Generate and send and receive at least one full-text to settle and pay the medical expenses that the client is required to pay to a given medical institution through the card. A non-payroll standard medical service in which the customer subscribes to a predetermined insurance approval request message transmitted from the insurance processing terminal 1570 by being connected to the insurance processing terminal 1570 and the insurance processing terminal 1570 through a predetermined network means. Relaying transmission to the insurance company corresponding to the insurance, before insurance approval corresponding to the full insurance approval request from the insurance company server 1530 The salary / non-salary standard medical insurance integrated operation server 1500 and the salary / non-salary standard medical insurance integrated operation server 1500 for receiving and relaying the insurance processing terminal 1570 are transmitted through a predetermined communication means. And an insurance company server 1530 which processes the insurance approval request message received from the salary / non-salary standard medical insurance integrated operation server 1500, and the insurance approval request message is completed in the insurance company server 1530. When the insurance approval process corresponding to, characterized in that it comprises a financial system for processing the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text.

If a medical insurance card issued by the National Medical Insurance Corporation (or a card issued through the card issuing system shown in FIGS. 1 and / or 8 is provided with a medical insurance card issued by the National Medical Insurance Corporation, FIG. 1 And / or have a card issued through the card issuing system shown in FIG. 8 and visit at least one medical institution (eg, a clinic or a hospital) to receive a predetermined medical service, and then provide the medical service provided to the customer. Medical expenses included in the salary standard among the total medical expenses corresponding to the medical treatment are settled through the national medical insurance corresponding to the salary based medical insurance, and when the client has at least one non-salary standard medical insurance, Among the medical expenses, the non-benefit based medical expenses are settled through the private medical insurance corresponding to the non-benefit based medical insurance, In addition to the remaining amount will be asked to pay the processing fee to the customer.

For the medical cost settlement processing as described above, the customer has a card issued through the card issuing system shown in FIGS. 1 and / or 8, and the medical institution has a medical insurance integrated operation function through the card. A predetermined insurance processing terminal is provided.

The insurance processing terminal 1570 may be a window terminal provided at a window of the medical institution, and / or a card terminal having a predetermined card payment function, and / or medical expenses (eg, non-payment) that the customer should pay to the medical institution. At least one of a predetermined unmanned terminal for processing the unmanned settlement for the standard medical expenses and customer charges), the preferred embodiment of the insurance processing terminal 1570 will be described in detail with reference to FIG. .

The window terminal of the insurance processing terminal 1570 is a terminal provided in the medical cost storage window of the medical institution, and by implementing the function of the insurance processing terminal 1570 shown in FIG. In accordance with the insurance processing terminal 1570.

In addition, the card terminal of the insurance processing terminal 1570 is a card payment terminal provided in the medical cost storage window of the medical institution, the insurance processing terminal (1570) shown in Figure 25 to the card payment terminal provided in the storage window By implementing a function to operate as an insurance processing terminal 1570 according to the present invention, or the card terminal is a dedicated card for integrated treatment of salary / non-payment standard medical insurance with insurance processing terminal 1570 function shown in Figure 25 It is possible to include a terminal.

In addition, the unmanned terminal of the insurance processing terminal 1570 is connected to a predetermined KIOSK and / or at least one or more financial systems provided in the medical institution through a predetermined CD common network (CD / ATM) provided in the medical institution ( By implementing the insurance processing terminal 1570 function shown in FIG. 25 in a financial terminal including a Cash Dispenser / Automatic Teller Machine, it operates as an insurance processing terminal 1570 according to the present invention, or the unmanned terminal is shown in FIG. The insurance processing terminal 1570 illustrated in FIG. 1 may be configured to include an automatic terminal for salary / non-salary standard medical insurance integrated processing.

The insurance processing terminal 1570 is connected to the salary / non-pay salary standard medical insurance integrated management server 1500 provided in a predetermined medical insurance integrated management institution through a predetermined network means, the customer is the medical institution Insurers whose non-paid medical insurance amount (or benefit amount) corresponds to 90% of the medical expenses (e.g., non-paid medical expenses and customer contributions) to be paid to It is characterized in that the predetermined insurance approval request text to be processed through the settlement process is generated and transmitted to the salary / non-payment standard medical insurance integrated operation server 1500.

In addition, the insurance processing terminal 1570 receives a predetermined insurance approval message including an insurance treatment history corresponding to the insurance approval request message from the salary / non-salary standard medical insurance integrated operation server 1500 through the network means. And output (eg, screen output and / or print output) of the insurance processing details included in the insurance approval text.

The salary / non-salary standard medical insurance integrated operation server 1500 is characterized by relaying the insurance processing terminal 1570 provided in at least one or more medical institutions, and the insurance company server 1530 provided in at least one insurance company, The salary / non-salary standard medical insurance integrated operation server 1500 reads card information included in the insurance approval request text, and predetermined card information and insurance company for checking the insurance company server 1530 which relays the insurance approval request text. Insurance operation information D / B (1525) for storing the information (for example, insurance company server 1530 information) in a cooperative process characterized in that it is made.

Referring to FIG. 24, the salary / non-salary standard medical insurance integrated operation server 1500 may include a specialized receiver 1505 for receiving a predetermined insurance approval request text from at least one insurance processing terminal 1570 through the network means. A professional confirmation unit 1510 which extracts card information included in the insurance approval request text and checks the insurance company server 1530 which relays the insurance approval request text in connection with the insurance management information D / B 1525. And relaying the entire insurance approval request message to the confirmed insurance company server 1530 through a predetermined communication means, and the insurance processing details corresponding to the insurance approval request text from the insurance company server 1530 through the communication means. A professional relay unit 1520 for receiving an insurance approval text including a preamble, and the insurance approval text is transmitted to the insurance processing terminal 1570 through the network means. Characterized in that formed by having a portion (1515).

In addition, the salary / non-payment standard medical insurance integrated operation server 1500 is the final payment of the non-payment standard medical insurance settlement amount (or insurance payment amount) corresponding to the full insurance approval request, the customer is finally paid to the medical institution It is characterized in that it further comprises a customer payment payment unit (1575) for processing the payment of customer charges to be made.

According to the exemplary embodiment of the present invention, the customer payment settlement unit 1575 may directly process the customer payment to be paid by the customer to the medical institution. Debit payment information (for example, debit payment account information and financial institution information and / or customer payment information is opened) that the debit payment account is further included for payment processing of the customer charges to be paid.

According to another exemplary embodiment of the present invention, the customer payment settlement unit 1575 prepays the customer payment to be paid by the customer to the medical institution. Prepaid information (eg, prepaid card number and / or customer fee information) for processing payment of the customer fee to be finally paid is characterized in that it is further included.

According to another embodiment of the present invention, the customer payment settlement unit 1575 to the credit card for the customer payment to the final payment to the medical institution to the customer, the insurance approval request in the full text of the customer to the medical institution Credit payment information (e.g., credit card number and / or customer fee information) for processing payment of the customer fee to be finally paid is characterized in that it is further included.

The specialized receiver 1505 may receive a predetermined insurance approval request telegram generated and transmitted by at least one insurance processing terminal 1570 provided in at least one medical institution through the network means. The full insurance approval request is provided to the specialized confirmation unit 1510.

According to an embodiment of the present invention, the insurance approval request text may include the card information, the medical institution information, at least one disease code (or prescription code) information provided by the medical institution to the customer, and the medical care. It is preferable to include at least one salary / non-salary standard medical insurance settlement amount and customer contribution information corresponding to the service.

When the customer is issued a card through the card issuing system shown in Figure 1 according to an embodiment of the present invention, the card information is for the integrated settlement processing of the salary / non-payment based medical insurance settlement amount and customer contribution It is preferable to include a virtual account number, the information on the financial institution in which the virtual account is opened, and the insurance company information corresponding to the non-payment standard medical insurance subscribed to by the customer.

According to another embodiment of the present invention, when the customer is issued a card through the card issuing system shown in FIG. 8, the card information includes a predetermined card number (or customer ID information, or customer social security number). Preferably, the insurance management information D / B (1525) is to store the virtual account information of the customer (for example, customer virtual account number and the information of the financial institution opened the virtual account) associated with the card information is stored. It is preferable.

When a predetermined insurance approval request text is received through the specialized receiving unit 1505, the specialized checking unit 1510 extracts card information included in the insurance approval request text, and based on the extracted card information. By confirming insurance company information stored in the insurance operation information D / B 1525 in association with the card information, predetermined communication means (eg, salary / non-salary standard health insurance integrated operation server 1500 and at least one insurance company server ( It is characterized in that the predetermined insurance company server (1530) to transmit the insurance approval request relay through the communication network) to connect the communication 1530).

When a predetermined insurance company server 1530 which transmits the insurance approval request message is confirmed through the specialized confirmation unit 1510, the specialized relay unit 1520 may receive the insurance approval request received through the specialized receiver 1505. Characterized in (or at least one or more information extracted to provide to the insurance company server 1530 from the insurance approval request message), characterized in that the relay transmission through the communication means to the confirmed insurance company server 1530, and then The specialized relay unit 1520 receives the insurance approval message including the insurance processing details corresponding to the insurance approval request message from the insurance company server 1530 through the communication means.

According to the implementation method of the present invention, the insurance processing details include the insurance approval details including the approval of the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request professional settlement process It is preferable to include a predetermined insurance error history, including, or the insurance company does not settle the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the full insurance approval request.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the insurance company server 1530 through the communication means while receiving the insurance approval message, the specialized relay unit 1520. Provides the full insurance approval to the specialized transmission unit 1515.

In addition, when the insurance approval message is received from the insurance company server 1530, the specialized relay unit 1520 reads the insurance processing details included in the insurance approval message, and the insurance approval request message is received from the insurance company server 1530. Characterized in that check whether the integrated medical insurance settlement processing corresponding to the approval.

If the read result does not approve the integrated medical insurance settlement process corresponding to the insurance approval request text from the insurance company server 1530, the specialized relay unit 1520 transfers the insurance approval text to the specialized transmission unit 1515. to provide.

On the other hand, if the medical insurance integrated settlement process corresponding to the insurance approval request full text is approved by the insurance company server 1530, the specialized relay unit 1520 receives the insurance approval full text (or the insurance approval request full text). Provided to customer payment settlement unit (1575).

The customer payment settlement unit 1575 may settle the debit payment information (for example, the information on the financial institution in which the debit account and the debit payment account are opened) and the non-payment standard medical insurance from the insurance approval letter (or the insurance approval request letter). An amount (or insurance payment amount) and the medical institution information are extracted, and a customer contribution to be finally paid by the customer to the medical institution is calculated from the non-payment standard medical insurance settlement amount (or insurance payment amount).

If the insurance approval preamble (or the insurance approval request preamble) includes the customer's contribution to be finally paid by the client to the medical institution, the customer payment settlement unit 1575 includes the insurance approval preamble (or the insurance approval request). The customer contribution information from the full text message).

Thereafter, the customer payment settlement unit 1575 processes a direct debit payment for the customer payment through the direct debit information in connection with the financial system through a predetermined communication means (for example, the customer payment from the debit account). And withdrawal and deposit money into the medical institution account).

If the direct debit processing for the customer payment is completed, the customer payment settlement unit 1575 is a payment processing history (for example, payment approval details, or payment error for the customer payment to the insurance approval preamble) It is characterized in that it further adds, and then provides the full text of the insurance approval including the payment processing history for the customer payment to the specialized transmission unit (1515).

The specialized transmission unit 1515 may transmit the insurance approval full text to an insurance processing terminal 1570 that has transmitted the insurance approval request full text through a predetermined network means.

The insurance company server 1530 is connected to the salary / non-salary standard medical insurance integrated operation server 1500 through a predetermined communication means, the insurer server 1530 is integrated management of salary / non-salary standard medical insurance The card information issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 to approve the insurance approval request included in the insurance approval request message relayed from the server 1500, and the And insurance approval information D / B 1565 for linking and storing insurance product information corresponding to the non-salary standard medical insurance to which the customer has subscribed. The insurance approval information D / B 1565 may include the insurance approval information D / B 1565. Non-benefit criteria It is desirable to further include customer information of the insurer's private medical insurance.

According to the implementation method of the present invention, the insurance product information stored in the insurance approval information D / B (1565) is at least one disease code (or prescription code) information that the customer can be guaranteed through the non-benefit based medical insurance It is preferable to comprise a.

Referring to FIG. 24, the insurance company server 1530 may include a professional receiver 1535 for receiving a predetermined insurance approval request message relayed from the salary / non-pay based medical insurance integrated operation server 1500 through the communication means. An information extracting unit 1540 for extracting information necessary for insurance approval from the received insurance approval request text message, and the insurance approval request text message in connection with the insurance approval information D / B 1565 based on the extracted information; It is characterized in that it comprises the insurance approval unit 1550 for approving the settlement process for the non-benefit standard medical insurance settlement amount (or insurance payment amount) included in.

In addition, the insurance company server (1530) is approved by the insurance approval unit (1550) for settlement of the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the insurance approval request, the card information, the card information Settlement processing unit for depositing and processing the non-benefit-based medical insurance settlement amount (or insurance payment amount) to the customer virtual account (or the parent account associated with the customer virtual account) using the virtual account number and the financial institution information included in It is characterized by comprising (1560).

In addition, if the insurance company server 1530 is approved by the insurance approval unit 1550 for the settlement of the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the insurance approval request text, the predetermined insurance Generate a predetermined insurance processing history corresponding to the approval details, generate a predetermined insurance approval text including the generated insurance processing history, or be included in the insurance approval request text by the insurance approval unit 1550; If the settlement processing for the non-benefit-based medical insurance settlement amount (or insurance payment amount) is not approved, a predetermined insurance processing history corresponding to a predetermined insurance error history is generated, and a predetermined insurance processing history including the generated insurance processing history is provided. Characterized in that it comprises a full text generation unit 1545 for generating a full insurance approval.

In addition, when the insurance company server 1530 is generated by the full-text generation unit 1545, the insurance approval message including the insurance treatment details, the insurance approval full text is integrated with the salary / non-payment standard medical insurance through the communication means Characterized in that it comprises a specialized transmission unit 1555 for transmitting to the operation server 1500.

The specialized receiver 1535 is connected to the salary / non-salary standard medical insurance integrated operation server 1500 through the communication means, and relayed from the salary / non-salary standard medical insurance integrated operation server 1500 through the communication means. Characterized in that it receives the predetermined insurance approval request message transmitted, and provides the received insurance approval request full text to the information extraction unit (1540).

The information extracting unit 1540 extracts information necessary for insurance approval from the insurance approval request message received through the specialized receiving unit 1535, and the information necessary for the insurance approval is the card information and the medical institution. Preferably comprises at least one disease code (or prescription code) information provided to the customer in the medical service, and then the information extracting unit 1540 includes the card information extracted from the insurance approval request text. Disease code (or prescription code) information is provided to the insurance approval unit (1550).

The insurance approval unit 1550 compares and authenticates the card information and the card information stored in the insurance approval information D / B 1565 to determine whether the customer is a member of the private medical insurance company of the non-paid insurance company. It is characterized in that the authentication.

According to an embodiment of the present invention, when the card information matching the card information included in the insurance approval request text is stored on the insurance approval information D / B 1565, the customer may purchase the private medical insurance company of the non-benefit-based insurance company. You are approved as a valid customer who has joined.

Further, the insurance approval unit 1550 extracts insurance product information linked to the card information from the insurance approval information D / B 1565, and includes a disease code (or prescription code) included in the insurance approval request text. By comparing and authenticating information and disease code (or prescription code) information included in the insurance product information, the medical service provided by the client (eg, a disease treated by the client's medical institution) by the client is not paid by the client. It is characterized by checking whether it is covered by the standard medical insurance.

According to the embodiment of the present invention, the disease code (or prescription code) information included in the insurance product information stored in the insurance approval information D / B (1565) and the disease code (or prescription code) included in the full insurance approval request If the information is matched, it is approved that the insurer should settle 90% of the medical expenses (eg, non-payment based medical expenses and customer contributions) that the client is required to pay to the medical institution.

If the settlement approval of the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text is approved by the insurance approval unit 1550, the information extraction unit 1540 is the insurance approval request. Extracting information for settlement to a non-wage-based medical insurance, and / or information for settlement to a pay-based medical insurance, and / or information for settlement to a customer contribution. The necessary information may include the card information, non-benefit-based medical insurance settlement amount (or benefit payment amount) and / or salary-based medical insurance settlement amount (or benefit payment amount) and / or customer contribution settlement amount, and medical institution information. Preferably, the information extracting unit 1540 is extracted from the insurance approval request text. The card information, at least one settlement amount, and medical institution information to the settlement processor 1560.

According to an exemplary embodiment of the present invention, when the card information includes a virtual account number corresponding to the customer virtual account and financial institution information, the information extracting unit 1540 sends the card information to the settlement processing unit 1560. to provide.

According to another exemplary embodiment of the present invention, when the card information includes a predetermined card number (or customer ID information or customer social security number), the information extracting unit 1540 may include insurance approval information D / B 1565 ( Or a customer virtual account number associated with the card information and a database having financial institution information), and extracts the customer virtual account number and financial institution information associated with the card information to the settlement processor 1560.

The settlement processing unit 1560 is the card information (for example, the customer virtual account number and the information of the financial institution opened the virtual account) from the information extraction unit 1540 and at least one settlement amount (for example, non-payment based medical insurance settlement Amount, salary-based medical insurance settlement amount, customer contribution settlement amount, etc.) and medical institution information are provided, and the information is transferred to the virtual account in connection with the financial system corresponding to the financial institution corresponding to the card information through a predetermined communication. The non-payment based medical insurance settlement amount and / or the salary-based medical insurance settlement amount and / or the customer contribution settlement amount, etc. are deposited, and the non-paying based medical insurance settlement amount (or the insurance payment amount) is transferred from the client virtual account (or the medical institution (or The medical institution information (e.g., to the financial system) for final transfer (or deposit) to a medical institution account. And it provides a medical facility identification information, account information, medical institutions or the like).

According to an embodiment of the present invention, when the customer virtual account is processed in connection with the financial institution mother account, the settlement processing unit 1560 is connected with the financial system to settle the non-benefit-based medical insurance settlement amount (or the amount of the insurance payment). Withdraw money from the non-paid insurance company account and deposit it into the financial institution mother account, and / or withdraw the salary-based medical insurance settlement amount (or benefit payment amount) from the pay insurance company account and deposit it into the financial institution mother account; and / or After withdrawing the payment amount from the credit card company / financial company account corresponding to the payment method provided on the card to the financial institution mother account, and provides the customer virtual account number and the medical institution information to the financial system, In response, the financial system transfers the funds deposited to the financial institution mother account. The standard medical insurance settlement amount (or insurance payment amount) is transferred from the financial institution mother account to the customer virtual account, and the non-wage standard medical insurance settlement amount (or insurance payment amount) information and the medical institution settlement are transferred to the customer virtual account. Link the beams.

Thereafter, the non-benefit-based medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the financial institution mother account is finally transferred to the medical institution account corresponding to the medical institution information through the financial system. Or deposit).

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in association with the medical insurance integrated management institution mother account, the settlement processing unit 1560 is linked with the financial system to settle the non-wage standard medical insurance amount (or insurance money). The amount paid) is withdrawn from the insurance company account and deposited into the mother account of the integrated medical insurance management institution, and then the customer virtual account number and the medical institution information are provided to the financial system. After transferring the non-benefit-based medical insurance settlement amount (or insurance payment amount) transferred to the management institution mother account from the medical insurance integrated management institution mother account to the customer virtual account, the non-wage-based medical insurance settlement amount ( Or link the insurance payment amount) information and the medical institution information do.

Subsequently, the non-wage standard medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the medical insurance integrated management institution mother account is transferred to the medical institution account corresponding to the medical institution information through the financial system. Final transfer (or deposit) is processed.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in connection with the insurance company's mother account, the settlement processing unit 1560 is linked with the financial system to settle the non-benefit-based medical insurance payment amount (or insurance payment amount). Transfer (or deposit) from the insurance company's parent account to the customer's virtual account, and provide the customer's virtual account number and the medical institution information to the financial system, and in response, the financial system provides the non-payment criteria to the customer's virtual account. The medical insurance settlement amount (or insurance payment amount) information is linked to the medical institution information.

Thereafter, the non-benefit-based medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the insurance company mother account is finally transferred (or paid) to the medical institution account corresponding to the medical institution information through the financial system. Deposit) is processed.

If the settlement approval for the non-payment standard medical insurance settlement amount (or the insurance payment amount) included in the insurance approval request text is approved by the insurance approval unit 1550, the full text generation unit 1545 grants a predetermined insurance approval. Generate a predetermined insurance processing history corresponding to the details, and generate a predetermined insurance approval text including the generated insurance processing history, and then transfer the generated insurance approval text to the specialized transmission unit 1555. To provide.

Or, if the settlement processing for the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request telegram is not approved by the insurance approval unit 1550, the preamble generation unit 1545 is a predetermined one. Generate a predetermined insurance processing history corresponding to the insurance error history, and generate a predetermined insurance approval text including the generated insurance processing history, and then transfer the generated insurance approval text to the specialized transmission unit ( 1555).

When the expert transmission unit 1555 generates an insurance approval letter including the insurance treatment details by the expert generation unit 1545, the insurance approval letter is integrated through the salary / non-payment standard medical insurance through the communication means. It is characterized in that the transmission to the server 1500, the salary / non-payment standard medical insurance integrated operation server 1500 relays the insurance approval to the insurance processing terminal (1570) provided in the medical institution.

Referring to FIG. 24, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the external system of the financial system is linked to the settlement processing unit 1560 provided in the insurance company server 1530 to the virtual account of the non-wage-based medical insurance settlement amount and / or salary-based medical insurance settlement amount And / or deposits a payment amount for a customer contribution and the like, and sets a medical expenses settlement portion in which the non-payment based medical insurance settlement amount (or insurance payment amount) is finally transferred (or deposited) from the customer virtual account to the medical institution (or medical institution account). It is characterized by comprising.

According to an embodiment of the present invention, when the customer virtual account is processed in connection with the financial institution mother account, the medical expenses settlement unit is linked with the settlement processing unit 1560 of the insurance company server 1530 from the non-payment standard insurance company account Withdraw the standard medical insurance settlement amount (or insurance payment amount) and deposit it to the financial institution mother account, and / or withdraw the salary standard medical insurance settlement amount (or insurance payment amount) from the payroll insurance company account. Deposit to the mother account, and / or withdraw the customer contribution settlement amount from the card company / financial company account corresponding to the payment method provided in the card and deposit the money to the financial institution mother account, and from the settlement processing unit 1560 to the customer virtual account If a number is provided, at least one payment settled in the financial institution's mother account When the amount is transferred (or deposited) to the customer virtual account linked to the financial institution mother account, and / or the medical institution information is provided from the settlement processing unit 1560, at least one or more of the settlement amount is added to the customer virtual account. It is preferable to withdraw money from the account and make a final transfer (or deposit) to a medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement portion of the non-payment based medical insurance settlement amount (or insurance payment amount) and / or salary-based medical insurance settlement amount (or insurance payment amount) and transferred (or deposited) to the customer virtual account through the financial institution mother account and And / or payment (or payment) of non-paid health care payments (or payments) that are immediately transferred (or deposited) to the account of the provider corresponding to the medical institution information, or / or transferred (or deposited) to at least one customer virtual account. And / or maintain a fixed amount of medical insurance payment amount (or insurance payment amount) and / or customer payment settlement amount for a period of time, and then periodically transfer (or deposit) to a medical institution account corresponding to the medical institution information. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in association with the medical insurance integrated management institution mother account, the medical expenses settlement unit is linked with the settlement processor 1560 of the insurance company server 1530, the non-payment based insurance company Withdraw the non-benefit based medical insurance settlement amount (or insurance payment amount) from the account and deposit it into the mother insurance account of the integrated medical insurance management institution, and / or the salary based medical insurance settlement amount (or insurance amount) from the salary based insurance company account. Payment amount) and withdraw the funds to the mother insurance company account, and / or withdraw the settlement amount from the card company / financial company account corresponding to the payment method provided on the card and the mother insurance company account The customer virtual account number from the settlement processing unit 1560 When the at least one settlement amount deposited in the medical insurance integrated management institution mother account is transferred (or deposited) to the customer virtual account linked to the medical insurance integrated management institution mother account, and / or the settlement processing unit 1560 When the medical institution information is provided, it is preferable to withdraw at least one or more of the settlement amount from the merchant customer virtual account and finally transfer (or deposit) the medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement portion of the non-payment based medical insurance settlement amount (or insurance payment amount) and / or salary-based medical insurance settlement amount (or insurance payment) transferred (or deposited) to the customer virtual account through the medical insurance integrated management agency mother account Amount) and / or customer contribution settlement amount is immediately transferred (or deposited) to a medical institution account corresponding to the institution information, or a non-benefit based health insurance settlement amount (or insurance) transferred (or deposited) to at least one or more customer virtual accounts. Payment amount) and / or salary-based medical insurance settlement amount (or insurance payment amount) and / or customer contribution settlement amount for a period of time, and then periodically transfer (or deposit) to the medical institution account corresponding to the medical institution information. Preferably, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the customer virtual account is linked to the insurance company mother account, the medical expenses settlement unit is linked to the settlement processing unit 1560 of the insurance company server 1530 from the non-payment based insurance company account. Withdraw a non-benefit basis medical insurance amount (or benefit payment amount) and deposit it into the insurer's mother account, and / or withdraw the salary standard medical insurance amount (or benefit payment amount) from the payroll insurer account. And withdrawal of the customer contribution payment amount from the card company / financial company account corresponding to the payment method provided on the card and deposits the money into the insurance company mother account, and the customer virtual account number from the settlement processing unit 1560 If provided, at least one settlement amount deposited in the insurer's parent account Transfer (or deposit) to the customer virtual account linked to the insurer's parent account, and / or when the medical institution information is provided from the settlement processing unit 1560, withdraw at least one or more of the settlement amount from the merchant customer virtual account. It is preferable to make a final transfer (or deposit) to a medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement portion of the non-payment based medical insurance payment amount (or insurance payment amount) and / or salary-based medical insurance payment amount (or insurance payment amount) and / or transferred (or deposited) to the customer virtual account through an insurance company mother account and / or Or immediately transfer (or deposit) the payment to the medical institution account corresponding to the medical institution information, or settle the non-payment based medical insurance payment (or payment) to at least one customer virtual account; And / or maintain a fixed amount of medical insurance payment amount (or insurance payment amount) and / or customer payment settlement amount for a period of time, and then periodically transfer (or deposit) to a medical institution account corresponding to the medical institution information. Thereby, this invention is not limited.

25 is a diagram showing the functional configuration of the insurance processing terminal 1570 according to another embodiment of the present invention.

More specifically, FIG. 25 illustrates an implementation of an insurance processing terminal 1570 for integrated settlement processing of customer medical expenses through the salary / non-salary standard medical insurance on the salary / non-salary standard medical insurance integrated management system shown in FIG. As a method, one of ordinary skill in the art to which the present invention pertains, various insurance treatments for the integrated settlement of customer medical expenses through salary / non-pay based medical insurance by referring to and / or modifying this drawing 25 Although the functional configuration of the terminal 1570 may be inferred, it is to be understood that the technical features of the present invention are not limited to this figure 25 but include all the inferred implementation methods.

For example, the insurance processing terminal 1570 shown in FIG. 25 includes at least an insurance processing terminal, a financial automation device, a credit authorization terminal (CAT), a point of sales (POS) terminal, and the like provided in the medical institution. It consists of one or more.

In addition, FIG. 25 illustrates that the insurance processing terminal 1570 further includes a function of processing customer charges to be paid to the medical institution by direct debit. However, in the technical field to which the present invention pertains, FIG. Those skilled in the art may refer to and / or modify this drawing 25 to process a payment of a customer's contribution to the medical institution by the customer through prepayment and / or credit settlement at the insurance processing terminal 1570. It will be possible to infer a functional configuration to the invention, the present invention comprises the above inferred implementation method.

Referring to FIG. 25, the insurance processing terminal 1570 basically includes a control unit 2505, a memory unit 2550, a card reader unit 2510, a key input unit 2520, a screen output unit 2515, and a communication processing unit 2530. ) And a security application module 2535, a print output unit 2540 and a power supply unit 2525 for supplying power to the insurance processing terminal 1570, at least one terminal functional unit according to the intention of the skilled person (Not shown) and the like.

The control unit 2505 controls the overall operation of the insurance processing terminal 1570 according to the function configuration, manages the flow of information or data between each component, and integrated settlement of customer medical expenses through the salary / non-salary standard medical insurance. It is characterized by controlling the components provided in the insurance processing terminal (1570) for processing, and at least one processor and execution memory (for example including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) And a bus for inputting and outputting predetermined data, and a register and / or random access memory (RAM) and a predetermined data for performing a function specific to the insurance processing terminal 1570 in software. Predetermined program routines and / or programs which are loaded from the recording medium of the recording medium into the execution memory and are processed by the processor. A predetermined program and / or the insurance processing recorded on a recording medium provided in the insurance processing terminal 1570 for processing the integrated settlement of the client's medical expenses through the salary / non-salary-based medical insurance. Among the functional components provided in the terminal 1570, a component capable of being processed by software is illustrated in the controller 2505.

According to an embodiment of the present invention, the control unit 2505 may include components (eg, the memory unit 2550, the card reader unit 2510, the key input unit 2520, and the screen) provided in the insurance processing terminal 1570. The insurance processing terminal by interworking an output unit 2515, a communication processing unit 2530, a security application module 2535, a print output unit 2540, and / or a terminal function unit (not illustrated) according to the intention of a person skilled in the art. The insurance processing terminal 1570 controls and manages the provision of the integrated settlement processing service of medical expenses as defined in 1570, as well as the integrated settlement processing of the client's medical expenses through the salary / non-salary standard medical insurance according to the present invention. ) Are recorded in a recording medium provided in the insurance processing terminal 1570 for the mutual settlement of the components provided in the control unit and / or for the integrated settlement of the client's medical expenses through the salary / non-salary-based medical insurance. Pro It is desirable to run the program.

The memory unit 2550 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the insurance processing terminal 1570 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 2505 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an embodiment of the present invention, the memory unit preferably stores medical institution information (eg, medical institution identification information, medical institution account information, etc.) to be included in a predetermined insurance approval request text generated by the insurance processing terminal 1570. .

The customer who receives the integrated settlement processing of the customer's medical expenses through the salary / non-salary standard medical insurance according to the present invention through the insurance processing terminal 1570, the MS (Magnetic Stripe) card, and based on the ISO / IEC 7810 standard; Carry a contact IC card (or wireless IC chip) based on ISO / IEC 7816 and / or at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 (Or owns), the card reader unit 2510 is characterized in that it provides an interface for reading at least one or more information or data provided in the card.

According to an embodiment of the present invention, the card reader unit 2510 may include an MS reader unit providing an interface between the MS card and the insurance processing terminal 1570, and / or the contact IC card and the insurance processing terminal ( 1570) a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the insurance processing terminal 1570.

The MS reader unit is a card reader unit 2510 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the insurance processing terminal 1570 by using the.

The contact IC reader unit is a card reader unit 2510 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the insurance processing terminal (1570).

The contactless IC reader unit is a card reader unit 2510 based on ISO / IEC 14443. The contactless IC reader unit may be formed at least in electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and insurance information or data from the IC chip through the half-duplex transaction using the APDU It is characterized in that the interface to the processing terminal 1570.

According to an exemplary embodiment of the present invention, the card reader unit 2510 may be configured from at least one card reader unit 2510 from the at least one card reader unit 2510 for the integrated settlement processing service of medical expenses defined in the insurance processing terminal 1570. It is preferable to read predetermined card information provided in the card through the card issuing system shown in FIG.

The key input unit 2520 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the insurance processing terminal 1570 controlled by the controller 2505. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 2505. The controller 2505 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the insurance processing terminal 1570, and / or matches the key event to determine the key. It is characterized by obtaining a command for executing a predetermined function. The key input unit 2520 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the insurance processing terminal 1570.

The key input device which is interlocked with the key input unit 2520 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, English letter key, and / or Korean). Keyboard device having a character key) and a function key, and / or have at least one numeric key and a function key in conjunction with the screen output means, and / or have at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 2520 is provided to the integrated settlement processing service of the medical expenses from at least one key input device for the integrated settlement processing services of the medical expenses defined in the insurance processing terminal 1570. It is preferable to perform a function of a key input means for receiving corresponding key data (e.g., payment amount, etc.), and the key for integrated settlement processing of customer medical expenses through salary / non-salary standard medical insurance according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing integrated settlement processing of customer medical expenses through the salary / non-salary standard medical insurance from an input device.

The screen output unit 2515 is a liquid crystal display (LCD) by the control unit 2505 while the insurance processing terminal 1570 performs a predetermined function (for example, integrated settlement processing of medical expenses using a card). And / or at least one or more information or data which is predefined or defined in real time to be output to a predetermined display device including a Cathode Ray Tube (CRT) and / or a CRT (Cathode Ray Tube). The screen output unit 2515 and the screen output device interoperate with each other to perform a function of a screen output unit provided in the insurance processing terminal 1570.

Predefined information or data to be output to the screen output device by the insurance processing terminal 1570 is provided in the key data input through the key input unit 2520 and / or in the insurance processing terminal 1570. Information (or data) stored or generated by the component, information (or data) transmitted / received through the communication processing unit 2530, and / or a predetermined operation result performed by the insurance processing terminal 1570 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 2515 is configured to provide the medical expenses according to each electronic payment step to the screen output apparatus for the integrated settlement processing service of medical expenses defined in the insurance processing terminal 1570. It is preferable to perform a function of a screen output means for outputting an integrated settlement processing screen, and the salary / non-paid to the screen output device for the integrated settlement processing of customer medical expenses through the salary / non-salary standard medical insurance according to the present invention. It is preferable to perform the function of the screen output means for outputting a processing screen corresponding to the step of providing the integrated settlement processing of the customer medical expenses through the standard medical insurance.

The communication processing unit 2530 integrates the salary / non-salary standard medical insurance through the network in the process of the insurance processing terminal 1570 performing a predetermined function (for example, integrated settlement processing of medical expenses using a card). A terminal (or device) connected to the server 1500 and a communication channel for integrated settlement processing of medical expenses, and / or connected to the insurance processing terminal 1570 through a predetermined cable and / or the insurance processing terminal ( 1570) and a predetermined communication means for connecting a communication session with a terminal (or device) connected through a predetermined short-range wireless communication, and a salary / non-payment standard medical insurance integrated operation server through a network means ( 1500) a network communication unit for connecting a predetermined communication channel, and / or for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port. And a short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device to a predetermined communication session through a table communication unit and / or at least one or more short range wireless communication means. Or a communication protocol and / or driver for connecting a communication session).

The network communication unit may include a predetermined wired network including a high speed internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication) and / or a financial common network and / or a mobile communication network or a wireless data communication network. And connecting a communication channel with the salary / non-payment standard medical insurance integrated operation server 1500 through a network means including at least one wireless network, wherein the insurance processing terminal 1570 is hardware-determined. It includes a modem or a network interface card (NIC) for connecting to a network, and includes a communication protocol and / or driver for software to connect the insurance processing terminal 1570 to the wired or wireless network. It is done by

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, LAN, RS-232c, USB (Universal Serial Bus)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for private short range wireless communication in software.

Here, the terminal (or device) connected through the cable communication unit and / or the short-range wireless communication unit includes a terminal (or device) used by at least one or more doctors (or nurses) providing predetermined medical services in the medical institution. Through the terminal (or device), the insurance processing terminal 1570 may provide predetermined disease code (or prescription code) information and / or non-payment based medical insurance settlement amount (or insurance payment amount). .

The security application module 2535 (SAM) is a confidentiality and / or authentication required by the insurance processing terminal 1570 to perform an integrated settlement procedure for medical expenses through the card. And / or security requirements, including integrity and / or nonrepudiation, can be secured and trusted within the insurance processing terminal 1570 without using an authentication server (not shown) on the network means. As a safety device for performing such a structure, a predetermined message (information or data) processed in the process of the insurance processing terminal 1570 performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function) is performed. An important key in the process of encrypting or decrypting, adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. A it characterized in that it performs the function of storing.

In general, the security application module 2535 is preferably composed of a predetermined security application module 2535 inserter and security application module 2535 chip, the security application module 2535 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 2535 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the insurance processing terminal 1570 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 2540 may include a process of performing the predetermined function (e.g., integrated settlement processing of medical expenses using a card) and / or predetermined information or data generated as a result of the insurance processing terminal 1570 ( For example, the result of the integrated settlement of medical expenses) is output to a predetermined printing device (for example, a receipt printing machine), and the printing information or data is printed through the predetermined printing device in accordance with a predefined printing form. It comprises a printing protocol and a driver for.

Referring to FIG. 25, the insurance processing terminal 1570 acquires at least one information to be included in the insurance approval request for the integrated settlement of the client's medical expenses through the salary / non-salary standard medical insurance according to the present invention. Acquisition unit 2555 and at least one information obtained through the information acquisition unit 2555 confirms the information to check whether the integrated settlement processing conditions of the customer medical expenses through the salary / non-salary standard medical insurance according to the present invention If the unit 2560 and at least one or more information obtained through the information acquisition unit 2555 satisfy the integrated settlement processing condition of the customer medical expenses through the salary / non-salary standard medical insurance according to the present invention, the acquired at least A full text generation unit 1545 and 2565 for generating a predetermined insurance approval request text including one or more pieces of information, and a beam generated through the full text generation unit 1545 and 2565. Specialized transmission unit (1515) (2570) for transmitting the full approval request to the salary / non-salary standard medical insurance integrated operation server 1500 through the communication processing unit (2530), and the salary / non-salary standard medical insurance integrated operation server 1500 A professional receiving unit 1505 (2575) for receiving the insurance approval text corresponding to the insurance approval request text, and the insurance processing details included in the insurance approval text, and the screen is output through the screen output unit 2515. Or, and / or a specialized processing unit 2580 for printing out through the print output unit 2540.

The information acquiring unit 2555 may settle the non-payment based medical insurance payment amount (or the payment amount) and / or the salary based medical insurance payment among the medical expenses that the customer should pay to the medical institution through the key input unit 2510. A terminal used by a doctor (or nurse) of the medical institution to receive an amount of money (or an insurance payment amount) and / or a customer payment settlement amount, and / or through a cable communication unit and / or a short range wireless communication unit of the communication processor 2530. (Or the device) receives and obtains the non-benefit based medical insurance settlement amount (or insurance payment amount) and / or salary based medical insurance settlement amount (or insurance payment amount) and / or customer contribution settlement amount. .

In this case, the information checking unit 2560 determines whether the information obtaining unit 2555 enters the non-payment standard medical insurance settlement amount (or the insurance payment amount) through the key input unit 2510 (or the client enters the medical institution). Check whether information corresponding to the non-payment standard medical insurance item is input, and / or a doctor (or nurse) of the medical institution through the cable communication unit and / or the short range wireless communication unit of the communication processing unit 2530. Whether the non-benefit-based medical insurance settlement amount (or insurance payment amount) is input from the terminal (or device) used by the user (or information corresponding to the non-paid-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is input. It is characterized by checking.

If the non-wage-based medical insurance settlement amount (or insurance payment amount) is input through the information verification unit 2560 (or the information corresponding to the non-wage-based medical insurance item among the medical expenses that the customer should pay to the medical institution is If it is not confirmed, it is preferable that the salary / non-salary standard medical insurance integrated operation service according to the present invention is not provided.

On the other hand, the information corresponding to the non-benefit-based medical insurance item of the medical expenses that the customer has to pay to the medical institution is input (or the amount paid for the non-benefit-based medical insurance through the information verification unit 2560). And the information acquisition unit 2555 receives a predetermined card from the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 2510. Characterized by reading the information.

At this time, the information confirmation unit 2560 is debit card payment means and / or prepaid card payment means and / or credit card payment to the card information obtained by the information acquisition unit 2555 through the card reader unit 2510 It is characterized by checking whether payment means information corresponding to at least one payment means among the means is included.

If at least one or more payment means information is not confirmed in the card information through the information checking unit 2560, the salary / non-salary standard medical insurance integrated operation service according to the present invention is the salary-based medical insurance settlement amount and non-salary standard medical care Salary / non-payment based medical insurance integrated operation service for insurance settlement amount is provided, and the customer contribution is settled through at least one payment method of the debit card payment method and / or prepaid card payment method and / or credit card payment method. It is preferable not to provide a salary / non-salary standard medical insurance integrated operation service characterized by processing.

On the other hand, if at least one or more payment means information is confirmed in the card information through the information check unit 2560, the integrated salary / non-payment based medical insurance service according to the present invention is based on the amount of payment and non-payment based medical insurance Integrating salary / non-payroll based health insurance, the settlement amount and the customer contribution settlement amount are settled through at least one of the debit card payment method and / or the prepaid card payment method and / or the credit card payment method. Characterized in that the operation service is provided.

In addition, the information acquisition unit 2555 is characterized in that to extract and obtain the medical institution information that provides the medical service to the customer from the memory unit.

In addition, the information acquisition unit 2555 may receive predetermined disease code (or prescription code) information from the key input unit 2510, and / or a cable communication unit and / or a short range wireless communication unit of the communication processing unit 2530. It is characterized in that by receiving the predetermined disease code (or prescription code) information from the terminal (or device) used by the doctor (or nurse) of the medical institution.

In addition, the information acquisition unit 2555 reads predetermined debit payment information from the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 2510. It is characterized by obtaining.

In addition, the information acquisition unit 2555 may receive a predetermined debit payment amount (for example, a customer fee to be paid by the customer to the medical institution) from the key input unit 2510, and / or an information acquisition unit 2555. When a predetermined non-payment based medical insurance settlement amount (or a benefit payment amount) is obtained through), the debit payment amount (e.g., the customer makes a final payment to the medical institution) from the non-paying based medical insurance settlement amount (or insurance payment amount). It is characterized in that to obtain by calculating the customer contribution to be paid).

The full text generation unit (1545) (2565) is the card information obtained through the information acquisition unit (2555), non-payment standard medical insurance settlement amount (or insurance payment amount), medical institution information and disease code (or prescription code) information And at least one and / or generating a full insurance approval request full text including at least one or more of the direct debit information and / or the direct debit amount. 26 will be described in detail.

As a result of the check by the information confirming unit 2560, when the debit card payment means information is included in the card information, the preferred embodiment of the insurance approval request text generated by the information generating unit 125 and 2565 is generated. Will be described in detail with reference to FIG.

However, the insurance approval request text generated by the full text generation unit 1545 is not limited to the case shown in FIG. 26, and the debit card payment means information is included in the card information as a result of the check by the information verification unit 2560. If not included, the full insurance approval request generated by the information generation unit 125 and 2565 may be implemented as shown in FIG. 17.

When the insurance approval request full text is generated through the full text generation unit 1545 and 2565, the full text transmission unit 1515 and 2570 transmits the insurance approval request full text through the network communication unit of the communication processing unit 2530. The salary / non-salary standard medical insurance integrated operation server (1500), and then the professional receiver (1505) (2575) is the salary / non-salary standard medical insurance integration through the network communication unit of the communication processing unit 2530 The insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the operation server 1500.

If the insurance approval message including the insurance treatment details corresponding to the insurance approval request message is received from the salary / non-payment standard medical insurance integrated operation server 1500 through the network communication unit of the communication processing unit 2530, Receiving units 1505 and 2575 provide the received insurance approval text to the specialty processing unit 2580.

The professional processing unit 2580 extracts an insurance processing history including any one of insurance approval details or insurance error details from the insurance approval full text, and outputs the insurance processing details through the screen output unit 2515, or And / or print output through the print output unit 2540.

In addition, when the insurance approval text includes a debit payment history including any one of the debit authorization or debit payment error history, the debit payment history is extracted from the insurance approval text, and the insurance processing history The screen may be output through the screen output unit 2515, and / or the print output may be performed through the print output unit 2540.

26 is a diagram illustrating an insurance approval request specialized structure according to another embodiment of the present invention.

In more detail, FIG. 26 illustrates an insurance approval request specialized structure transmitted from a predetermined insurance processing terminal 1570 shown in FIG. 25 to a salary / non-pay based medical insurance integrated operation server 1500 through a predetermined network means. As an example of an implementation method, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 26, and various implementation methods for the insurance approval request structure according to the intention to those skilled in the art. Although the present invention may be inferred, the present invention includes all the implementation methods inferred and the present insurance approval request structure is not limited to that illustrated in FIG.

Referring to FIG. 26, the insurance approval request full text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The insurance approval request text includes a transaction category (eg, medical insurance integrated settlement request, medical insurance integrated settlement cancellation, etc.) related to the medical insurance integrated settlement processing, and a terminal_ID corresponding to the insurance processing terminal 1570 provided in the medical institution. An item, an information input mode item, and card information (eg, financial institution information, insurance company information, virtual account information, etc.) obtained from a predetermined card through a card reader provided in the insurance processing terminal 1570. After the prescribed FS (File Separator, 0X1C), the salary-based medical insurance settlement amount (or insurance payment amount) item, the non-payment-based medical insurance settlement amount (or insurance payment amount) item, and the client Customer Expenses to be Paid, Working Key Index, Password, Disease Code (or Prescription Code) Information, Debit Account Information, Bank Nose Card item and document serial number item.

Here, the Terminal_ID item is an information item corresponding to the medical institution information, and the salary / non-salary standard medical insurance integrated operation server 1500 and / or the insurance company server 1530 are the insurance processing terminal 1570 through the Terminal_ID item. The provided medical institution can be confirmed, and a medical institution account corresponding to the medical institution can be confirmed.

According to another exemplary embodiment of the present invention, the insurance approval request message may further include at least one medical institution information item (eg, medical institution name, medical institution account number, etc.) that can intuitively recognize the medical institution in addition to the Terminal_ID item. The present invention is not limited thereby.

In addition, the information input mode item is information for confirming whether information included in the insurance approval request text is received from a doctor (or nurse) terminal provided in the medical institution, or input through a predetermined key input.

The card information item is card information read from a card issued to the customer through the card issuing system shown in FIG. 1 and includes virtual account information, financial institution information, and insurance company information. If predetermined card information is read from the card issued to the customer through the card issuing system shown in FIG. 8, the card information may include a predetermined card number, thereby limiting the present invention. No.

The salary-based medical insurance settlement amount (or insurance payment amount) item includes an amount to be settled by the National Medical Insurance Corporation out of the total medical expenses to be paid to the medical institution by the customer, and the non-payment-based medical insurance An insurance settlement amount (or an insurance payment amount) item includes an amount to be settled through the private medical insurance of the total medical expenses that the customer is required to pay to the medical institution, and the customer contribution item is settled in the medical insurance integrated settlement. After the treatment, the customer pays the amount of the customer fee to be finally paid to the medical institution.

The disease code (or prescription code) information item may include at least one disease code (or prescription code) information corresponding to the counterpart of providing medical services to the customer by the medical institution, and the disease code (or Prescription code) information preferably comprises code information that can be confirmed by the insurance company that finally receives the full insurance approval request.

The debit account information item may include a debit account number for debiting the amount corresponding to the customer burden item, and the bank code item corresponds to a financial institution where the debit account is opened. To include code information.

According to the method of the present invention, the debit payment information corresponding to the debit account information item and the bank code item is read from the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8. desirable.

In addition, the document serial number item is information for managing the full insurance approval request, and includes a unique number assigned so as not to be duplicated in the insurance processing terminal (1570).

27 is a diagram illustrating a process for requesting integrated settlement of medical expenses according to an embodiment of the present invention.

More specifically, FIG. 27 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 1 after a predetermined customer is provided with a medical service at a predetermined medical institution. In the case of the total medical expenses corresponding to the medical service, in addition to the medical expenses set by the National Health Insurance Corporation to the medical institution in response to the medical insurance card, some of the customer contributions are paid / paid based on the medical insurance shown in FIG. The process of requesting integrated settlement through an integrated operation system and requesting the customer to pay the final payment to the medical institution by direct payment, if the person of ordinary skill in the art to which the present invention belongs, Refer to and / or modify the drawing 27 to request the integrated settlement of the medical expenses. Would be able to infer the various exemplary methods, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 27.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to implement a method of payment processing of the customer charge through prepayment and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In addition, FIG. 27 illustrates that the customer reads the debit payment information once more from the customer card in order to process the customer payment to be paid to the medical institution as a direct debit. The process of reading may be included in the process of reading the card information from the card and may be processed at one time, thereby not limiting the present invention.

In the drawing 27, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

Before the client receives (or provides) at least one or more medical services by visiting a predetermined medical institution with a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. After receiving), present the medical insurance card and the card.

Referring to FIG. 27, the terminal having the functional configuration shown in FIG. 25 performs an integrated settlement process through the salary / non-pay-based medical insurance integrated operation system shown in FIG. To input the salary / non-payment standard medical insurance settlement amount and / or disease code (or prescription code) information through a predetermined key input means, and / or the disease code (or prescription) from a predetermined doctor (or nurse) terminal. Code) information and / or salary / non-payment based medical insurance settlement amount information, and the non-payment based medical insurance settlement amount (or non-payment of medical expenses that the customer is required to pay to the medical institution) in the input (or received) information. Information corresponding to the standard medical insurance item) is included (2700).

If the information input (or received) does not include the non-payment standard medical insurance settlement amount (or information corresponding to the non-payment based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) (2702), The terminal waits until the non-wage-based medical insurance settlement amount (or information corresponding to the non-wage-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is input (or received), and the non-wage-based medical insurance If the settlement amount (or information corresponding to the non-paid medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is not input (or received), the salary / non-paid medical insurance integrated operation service according to the present invention is provided. It doesn't work.

On the contrary, if the input (or received) information includes the non-payment standard medical insurance settlement amount (or information corresponding to the non-payment based medical insurance item among the medical expenses that the customer should pay to the medical institution) (2702), the terminal Reads at least one or more card information from the card issued to the customer through a predetermined card reader, and at least one or more payments for processing the payment of the customer fee among the medical expenses that the customer should pay to the medical institution in the card information. It is checked whether the means information is included (2704).

If the card information does not include any payment means information for the payment of the customer contribution (2706), the terminal performs a medical insurance integrated settlement processing procedure (not shown) that does not include a procedure for integrated settlement processing of the customer contribution. Perform (2708).

On the other hand, if the card information includes predetermined debit card payment means information for payment of customer charges (2706), the terminal extracts the medical institution information from the memory and generates a predetermined document serial number (2710). And generate the insurance approval request text as shown in FIG. 26, including the card information, the salary / non-salary standard medical insurance settlement amount and the customer contribution settlement amount, the disease code (or prescription code) information, the medical institution information, and the document serial number. 2715).

Thereafter, the terminal checks whether the customer directly pays for the customer fee to be finally paid to the medical institution (2720).

According to an embodiment of the present invention, the terminal outputs the customer charge information on the screen of the terminal, and when the customer processes the customer charge by direct payment, requests to read the customer card once more, and / or Alternatively, it is preferable to check whether the customer pays the final payment to the medical institution by direct payment by inputting a direct payment processing order of the customer payment.

If the customer is not confirmed that the customer pays the final payment to the medical institution by direct payment (2725), the terminal receives the generated insurance approval request full text through a predetermined network means salary / non-payment based medical insurance The server transmits the integrated operation server 1500 (2740).

On the other hand, if the customer is confirmed that the customer pays the final payment to the medical institution by direct debit (2725), the terminal from the customer card through the card issuing system shown in Figure 1 through the card debit payment provided in the card After reading information (2730), adding the read direct debit information to the insurance approval request text (2735), and paying the salary / non-payment of the insurance approval request text including the debit payment information through a predetermined network means. The standard medical insurance integrated operation server 1500 is transmitted (2740).

The salary / non-salary standard medical insurance integrated operation server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message, and the insurance management information D / B through the card information. By inquiring (1525), the insurance company server 1530 which relays the full insurance approval request message is checked (2745).

If the insurance company server 1530 which relays the full insurance approval request is not confirmed (2750), the salary / non-payroll standard medical insurance integrated operation server 1500 may include insurance information including unconfirmed error information of a predetermined insurance company server 1530. Generate an approval telegram (2755), transmit the insurance approval telegram to the terminal via the network means (2760), and stop the medical insurance integrated settlement process.

On the other hand, if the insurance company server 1530 which relays the insurance approval request text is confirmed (2750), the salary / non-payment standard medical insurance integrated operation server 1500 is the confirmed insurance company server (1530) through a predetermined communication The insurance approval request may be relayed and transmitted (2765).

28 is a diagram illustrating a process of approving integrated settlement processing of medical expenses according to an embodiment of the present invention.

More specifically, FIG. 28 shows an insurance company server through an insurance approval request message generated in a predetermined insurance processing terminal 1570 through a predetermined salary / non-salary standard medical insurance integrated operation server 1500 through the process illustrated in FIG. 27. If received at 1530, the insurance company server (1530) for the process of the approval process for the full insurance approval request, if the person of ordinary skill in the art to which the present invention pertains, see FIG. 28 and / Or it may be modified to infer various implementation methods for approving the integrated settlement of the medical cost, but the present invention includes all of the inferred implementation methods, not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 28, the insurance company server 1530 performs a predetermined non-wage medical insurance approval procedure, and establishes a payment amount for the salary / non-salary standard medical insurance and a customer contribution in connection with a predetermined financial system. After performing the settlement process for, the insurance approval message corresponding to the insurance approval request text is generated and shown to be transmitted to the salary / non-payment standard medical insurance integrated operation server 1500, but the present invention is limited thereto. After the insurance company server 1530 performs the non-paid medical insurance approval procedure, a predetermined insurance approval text is generated and transmitted to the salary / non-paid medical insurance integrated operation server 1500, and the financial In connection with the system, the settlement procedures for the above-mentioned salary / non-salary health insurance settlement amount and customer contribution settlement amount But may even.

Referring to FIG. 28, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process illustrated in FIG. 27 is transferred to the insurance company server through the predetermined salary / non-pay based medical insurance integrated operation server 1500. 1530, the insurance company server 1530 extracts the card information and the disease code (or prescription code) information from the received insurance approval request text for approval of the non-paid medical insurance settlement (2805). By checking the insurance approval information D / B 1565 through the card information extracted from the insurance approval request text, it is checked whether the customer who is issued the card with the card information read is a non-paid medical insurance customer of the insurance company ( 2810).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered a non-paid medical insurance customer of the insurer.

If the card information check result is that the customer who issued the card with the card information read is not a non-paid medical insurance customer of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (2815), the insurance company server 1530 generates an insurance processing history including a predetermined insurance error history (2820), the insurance including the insurance processing history The full text of the approval is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (2855).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is a non-paid medical insurance member of the insurance company (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (2815), the insurance company server 1530 is the insurance approval information D / B (1565) through the disease code (or prescription code) information extracted from the full insurance approval request; By checking the disease code (or prescription code) information included in the insurance product information linked to the card information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is covered by the non-paid medical insurance; (2825).

If the client is not covered by the non-paid medical insurance, the disease corresponding to the medical service provided from the medical institution (2830), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history In operation 2855, an insurance approval full text including the insurance processing details is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (2855).

On the other hand, if the disease corresponding to the medical service provided by the customer from the medical institution is subject to the non-paid medical insurance (2830), the insurance company server 1530 is the card information and salary / non-payment criteria from the received insurance approval request message Information for medical insurance integrated settlement processing including medical insurance settlement amount, customer contribution settlement amount, and medical institution information is extracted (2835).

According to the implementation method of the present invention, the salary-based medical insurance settlement amount of the information for the health insurance integrated settlement processing is used by the National Health Insurance Corporation to settle the salary-based medical insurance payments, the customer contribution settlement amount is the Used to process customer charges as debit.

Subsequently, the insurance company server 1530 connects to the financial system corresponding to the financial institution information included in the card information, and the non-payment through the virtual account number included in the card information, the non-payment based medical insurance settlement amount, and medical institution information. A settlement processing procedure for the reference medical insurance settlement amount is performed (2840).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. After withdrawing the non-payment standard medical insurance payment amount from the insurer account and depositing it into the financial institution mother account, the customer virtual account number and the medical institution information are provided to the financial system, and in response, the financial system provides the financial institution mother account. Transfer the non-payment based medical insurance settlement amount deposited into the virtual account from the financial institution mother account to the customer virtual account, and convert the salary / non-payment based medical insurance settlement amount and the customer payment settlement amount information and the medical institution information into the customer virtual account; Interworking

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in association with the medical insurance integrated management agency mother account, the insurance company server 1530 is the financial system And withdraw the non-wage-based medical insurance settlement amount from the insurance company account and deposit it into the mother insurance account of the integrated medical insurance management institution, and provide the customer virtual account number and the medical institution information to the financial system. The financial system transfers the non-wage-based medical insurance settlement amount deposited to the medical insurance integrated management institution mother account from the medical insurance integrated management institution mother account to the customer virtual account, and then transfers the pay / non-payment based medical insurance to the customer virtual account. Settlement amount and customer contribution Settlement amount information and the medical device It processes the information in conjunction.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. After transferring (or depositing) the non-wage-based medical insurance settlement amount from the insurance company's mother account to the customer virtual account, the customer virtual account number and the medical institution information are provided to the financial system. The salary / non-salary standard medical insurance settlement amount, the customer contribution settlement amount information, and the medical institution information are linked to the virtual client account.

If settlement of the non-benefit based medical insurance settlement amount is completed (2845), the insurance company server 1530 includes insurance approval details corresponding to the settlement processing result of the non-benefit based medical insurance settlement amount in association with the financial system. The insurance treatment details are generated (2850), and the insurance approval text including the insurance treatment details is generated and transmitted to the salary / non-payment standard medical insurance integrated operation server 1500 (2855).

29 is a diagram illustrating a direct debit payment process for customer charges according to an embodiment of the present invention.

More specifically, FIG. 29 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 28, and generates an insurance approval text including a predetermined insurance treatment history. When the salary / non-payment based medical insurance integrated operation server 1500 is transmitted, the salary / non-payment based medical insurance integrated operation server 1500 for the process of direct payment of the customer burden to be paid to the medical institution by the customer As those skilled in the art to which the present invention pertains, various embodiments of the present invention may be inferred by referring to and / or modifying the drawing 29, but the present invention infers the above. It includes all the implementation methods, and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to implement a method of payment processing of the customer charge through prepayment and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In the drawing 29, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

Referring to FIG. 29, through the process shown in FIG. 28, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When the salary / non-salary standard medical insurance integrated operation server 1500 is transmitted, the salary / non-salary standard medical insurance integrated operation server 1500 is received by the insurance approval message transmitted from the insurance company server 1530 (2900). In operation 2905, the insurance company server 1530 reads the insurance treatment history included in the received insurance approval text, and confirms that the integrated insurance settlement processing is approved in the insurance company server 1530.

If the health insurance integrated settlement process is not approved in the insurance company server 1530 (for example, if the insurance process details include insurance error details) (2910), the salary / non-payment standard medical insurance integrated operation server 1500 In operation 2955, the insurance approval message received from the insurance company server 1530 is relayed to the terminal provided in the medical institution through the network means.

On the other hand, if the health insurance integrated settlement processing is approved in the insurance company server 1530 (for example, if insurance insurance details include insurance approval details) (2910), the salary / non-payment based health insurance integrated management server 1500 Debit payment information (e.g., information on financial institutions in which a debit account and a debit account are opened) and a debit payment amount (e.g., customer contribution) from the insurance approval message (or the insurance approval request text corresponding to the insurance approval message); Extract (2915) and check the validity of the debit payment for the debit amount in connection with the financial system corresponding to the debit information (eg, a financial system provided in a financial institution where a direct debit account is opened) (2920). ).

According to the method of the present invention, the debit validity check is a process of confirming whether an amount for processing the debit payment is deposited in the debit payment account included in the debit information in connection with the financial system. It is preferable to comprise.

If the validity of the direct debit payment is not authenticated (for example, if the amount for processing the direct debit amount is not deposited in the direct debit account) (2925), the salary / non-pay based medical insurance integrated operation server 1500 ) Generates a debit payment history including a predetermined debit error history (2930), adds the debit payment history to the insurance approval message received from the insurance company server (1530) (2950), the insurance approval The full text is relayed to the terminal provided in the medical institution through the network means (2955).

On the other hand, if the validity of the debit payment is authenticated (for example, if the amount for processing the debit payment is deposited in the debit account) (2925), the salary / non-pay based medical insurance integrated operation server 1500 The debit payment procedure for the debit amount is performed in connection with the financial system (2935).

According to the implementation method of the present invention, the debit payment procedure withdraws the debit payment amount from the debit account of the customer through the financial system in the salary / non-pay based medical insurance integrated operation server 1500 to the medical institution account (E.g., included in the insurance approval preamble (or insurance approval request preamble) or extracted from insurance management information D / B 1525).

If the debit payment process is completed (2940), the salary / non-payroll standard health insurance integrated operation server 1500 generates a debit processing history including the debit authorization details corresponding to the debit payment results (2945) The debit payment details are added to the insurance approval text received from the insurance company server 1530 (2950), and the insurance approval text is relayed and transmitted to the terminal provided in the medical institution through the network means (2955).

30 is a view showing a process of processing the integrated treatment result of medical expenses according to an embodiment of the present invention.

In more detail, when FIG. 30 receives the full insurance approval statement including insurance processing details and / or direct debit processing details from the salary / non-payment standard medical insurance integrated operation server 1500 through the process illustrated in FIG. 29, Regarding a process of reading and processing the insurance approval text in the insurance processing terminal 1570, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 30 and the medical expenses Various implementation methods for processing the integrated processing result of the present invention may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

In the drawing 30, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

Referring to FIG. 30, when the insurance approval message including insurance treatment details and / or direct debit processing details is received from the salary / non-payroll standard medical insurance integrated operation server 1500 through the process illustrated in FIG. 29 (3000) ), The terminal obtains a predetermined insurance processing history from the insurance approval text by reading the received insurance approval text (3005), and reads the extracted insurance processing history, thereby determining the amount of the non-payment standard medical insurance settlement. Check the insurance approval or insurance error (3010).

If it is confirmed that the insurance error history for the non-payment standard medical insurance settlement amount is confirmed (3015), the terminal outputs the insurance error history to a predetermined screen provided on the terminal, and / or to the terminal The printer outputs the printed output to a predetermined printing device (3020).

On the other hand, if the insurance approval details for the non-benefit-based medical insurance settlement amount is confirmed (3015), the terminal extracts the debit payment details processed by the salary / non-paid-based medical insurance integrated operation server from the insurance approval text. (3025), and check whether the debit processing for the customer's payment to be finally paid to the medical institution is approved by reading whether the extracted debit processing details include debit authorization or debit error details ( 3030)

If the check result of the debit payment error for the customer charge is confirmed (for example, if the debit payment for the customer charge is not approved) (3035), the terminal is the insurance approval details and debit payment error history A screen is output to a predetermined screen provided in the print screen and / or printed out to a predetermined printing device provided in the terminal (3040).

On the other hand, if the check result of the direct debit authorization for the customer charge is confirmed (for example, if the direct debit payment for the customer charge is approved) (3035), the terminal sends the insurance approval details and the direct debit authorization details to the terminal. The screen is output to a predetermined screen provided, and / or printed out to a predetermined printing apparatus provided in the terminal (3045).

31 is a view showing a process for requesting integrated settlement of medical expenses according to another embodiment of the present invention.

In more detail, FIG. 31 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 8 after a predetermined customer is provided with medical services at a predetermined medical institution. In the case of the total medical expenses corresponding to the medical service, in addition to the medical expenses set by the National Health Insurance Corporation to the medical institution in response to the medical insurance card, some of the customer contributions are paid / paid based on the medical insurance shown in FIG. The process of requesting integrated settlement through the integrated operation system, and the customer to pay the final payment to the medical institution as a direct payment, if the person of ordinary skill in the art to which the present invention belongs, Seeing and / or modifying the drawing 31 to request the integrated settlement of the medical expenses Various implementation methods may be inferred, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to implement a method of payment processing of the customer charge through prepayment and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In addition, FIG. 31 illustrates that the customer reads the debit payment information once more from the customer card so that the customer can process the customer payment to be finally paid to the medical institution by direct payment. The process of reading may be included in the process of reading the card information from the card and may be processed at one time, thereby not limiting the present invention.

In the following Figure 31, the insurance processing terminal 1570 shown in Figures 24 and / or 25 is referred to as " terminal " for convenience.

Before the client receives (or provides) at least one or more medical services by visiting a predetermined medical institution with a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. After receiving), present the medical insurance card and the card.

Referring to FIG. 31, the terminal having the functional configuration shown in FIG. 25 performs an integrated settlement process through the salary / non-pay-based medical insurance integrated operation system shown in FIG. To input the salary / non-payment standard medical insurance settlement amount and / or disease code (or prescription code) information through a predetermined key input means, and / or the disease code (or prescription) from a predetermined doctor (or nurse) terminal. Code) information and / or salary / non-payment based medical insurance settlement amount information, and the non-payment based medical insurance settlement amount (or of the medical expenses that the customer is required to pay to the medical institution) in the input (or received) information. Information corresponding to the non-payment standard medical insurance item) is included (3100).

If the information input (or received) does not include the non-payment standard medical insurance settlement amount (or information corresponding to the non-payment based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) (3102). The terminal waits until the non-wage-based medical insurance settlement amount (or information corresponding to the non-wage-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is input (or received), and the non-wage-based medical insurance If the settlement amount (or information corresponding to the non-paid medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is not input (or received), the salary / non-paid medical insurance integrated operation service according to the present invention is provided. It doesn't work.

On the contrary, if the input (or received) information includes the non-payment standard medical insurance settlement amount (or information corresponding to the non-payment based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) (3102), the terminal Reads at least one or more card information from the card issued to the customer through a predetermined card reader, and at least one or more payments for processing the payment of the customer fee among the medical expenses that the customer should pay to the medical institution in the card information. Check whether the means information is included (3104).

If the card information does not include any payment means information for the payment of the customer contribution (3106), the terminal performs a medical insurance integrated settlement processing procedure (not shown) that does not include a procedure for integrated settlement of the customer contribution. Perform 3108.

On the other hand, if the card information includes predetermined debit card payment means information for processing the customer payment (3106), the terminal extracts the medical institution information from the memory and generates a predetermined slip serial number (3110). And generate the insurance approval request text as shown in FIG. 26, including the card information, the salary / non-salary standard medical insurance settlement amount and the customer contribution settlement amount, the disease code (or prescription code) information, the medical institution information, and the document serial number. 3115).

Thereafter, the terminal checks whether the customer pays the debit for the customer fee to be finally paid to the medical institution (3120).

According to an embodiment of the present invention, the terminal outputs the customer charge information on the screen of the terminal, and when the customer processes the customer charge by direct payment, requests to read the customer card once more, and / or Alternatively, it is preferable to check whether the customer pays the final payment to the medical institution by direct payment by inputting a direct payment processing order of the customer payment.

If the customer is not confirmed that the customer pays the final payment to the medical institution by direct payment (3125), the terminal transmits the generated insurance approval request full text through a predetermined network means based on salary / non-payment based medical insurance. The transfer to the integrated operation server 1500 (3140).

On the other hand, if the customer is confirmed that the customer pays the final payment to the medical institution by direct debit (3125), the terminal through the card issuance system shown in Figure 8 from the customer card through the debit payment provided to the card After reading information (3130), and adding the read direct debit information to the insurance approval request text (3135), the insurance approval request text including the direct debit information is paid / paid through a predetermined network means. The standard medical insurance integrated operation server 1500 is transmitted (3140).

The salary / non-salary standard medical insurance integrated operation server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message, and the insurance management information D / B through the card information. By inquiring (1525), the insurance company server 1530 which relays the insurance approval request text is checked (3145).

If the insurance company server 1530 which relays the full insurance approval request is not confirmed (3150), the salary / non-payroll standard medical insurance integrated operation server 1500 may include insurance information including unconfirmed error information of a predetermined insurance company server 1530. Generate the approval full text (3155), and transmits the insurance approval full text to the terminal through the network means (3160), and stops the medical insurance integrated settlement processing process.

On the other hand, if the insurance company server 1530 which relays the insurance approval request text is confirmed (3150), the salary / non-payment standard medical insurance integrated operation server 1500 to the confirmed insurance company server 1530 through a predetermined communication means The entire insurance approval request is relayed and transmitted (3165).

32 is a view showing a process of approving the integrated settlement of medical expenses according to another embodiment of the present invention.

In more detail, FIG. 32 shows the insurance company server through the insurance approval request message generated by the predetermined insurance processing terminal 1570 through the predetermined salary / non-salary standard medical insurance integrated operation server 1500 through the process illustrated in FIG. 31. If received at 1530, the insurance company server (1530) for the process of the approval process for the insurance approval request, the person of ordinary skill in the art to which the present invention pertains, see Figure 32 and / Alternatively, the invention may be inferred by various implementation methods for approving the integrated settlement processing of medical expenses, but the present invention includes all the implementation methods inferred and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 32, the insurance company server 1530 performs a predetermined non-wage medical insurance approval procedure, and establishes the payment / payment based medical insurance payment amount and the customer contribution settlement amount in connection with a predetermined financial system. After performing the settlement process for, the insurance approval message corresponding to the insurance approval request message is generated and shown to be transmitted to the salary / non-payment standard medical insurance integrated operation server 1500, but the present invention is limited thereto. After the insurance company server 1530 performs the non-paid medical insurance approval procedure, a predetermined insurance approval text is generated and transmitted to the salary / non-paid medical insurance integrated operation server 1500, and the financial In connection with the system, the settlement procedures for the above-mentioned salary / non-salary health insurance settlement amount and customer contribution settlement amount are performed. It is OK.

Referring to FIG. 32, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 31 is transferred to the insurance company server through the predetermined salary / non-salary standard medical insurance integrated operation server 1500. 1530, the insurance company server 1530 extracts the card information and the disease code (or prescription code) information from the received insurance approval request text for approval of the non-paid medical insurance settlement (3205). By checking the insurance approval information D / B 1565 through the card information extracted from the insurance approval request text, it is checked whether the customer who is issued the card with the card information read is a non-paid medical insurance customer of the insurance company ( 3210).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered a non-paid medical insurance customer of the insurer.

If the card information check result is that the customer who issued the card with the card information read is not a non-paid medical insurance customer of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (3215), the insurance company server 1530 generates an insurance processing history including a predetermined insurance error history (3220), the insurance including the insurance processing history The approval text is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (3260).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is a non-paid medical insurance member of the insurance company (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (3215), the insurance company server 1530 is the insurance approval information D / B (1565) through the disease code (or prescription code) information extracted from the full insurance approval request By checking the disease code (or prescription code) information included in the insurance product information linked to the card information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is covered by the non-paid medical insurance; (3225).

If a disease corresponding to the medical service provided by the client is not covered by the non-paid medical insurance (3230), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (3230); 3220), and generates an insurance approval full text including the insurance treatment details and transmits to the salary / non-salary standard medical insurance integrated operation server 1500 (3260).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the non-paid medical insurance (3230), the insurance company server 1530 is the card information and salary / non-payment criteria from the received insurance approval request message Information for medical insurance integrated settlement processing including medical insurance settlement amount, customer contribution settlement amount and medical institution information is extracted (3235).

According to the implementation method of the present invention, the salary-based medical insurance settlement amount of the information for the medical insurance integrated settlement processing is used to settle the salary-based medical insurance payments in the National Health Insurance Corporation, the customer contribution settlement amount is It is used to process the customer charge in direct debit.

Here, the card information is a card number (or customer ID information, or customer social security number) provided on the card issued through the card issuing system shown in FIG. 8, and the insurance approval information D / B 1565 includes the card. Predetermined virtual account information (e.g., a customer virtual account number and information on a financial institution in which the virtual account is opened, shown in FIG. 24 for convenience) is stored.

Accordingly, the insurance company server 1530 extracts the virtual account information (for example, the customer virtual account number and the financial institution information on which the virtual account is opened) matching the card information from the insurance approval information D / B 1565. 3240, the non-benefit-based medical insurance through the virtual account number included in the virtual account information, the non-wage-based medical insurance settlement amount and medical institution information in association with a financial system corresponding to the financial institution information included in the virtual account information; A settlement processing procedure for the settlement amount is performed (3245).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. After withdrawing the non-payment standard medical insurance payment amount from the insurer account and depositing it into the financial institution mother account, the customer virtual account number and the medical institution information are provided to the financial system, and in response, the financial system provides the financial institution mother account. Transfer the non-payment based medical insurance settlement amount deposited into the virtual account from the financial institution mother account to the customer virtual account, and convert the salary / non-payment based medical insurance settlement amount and the customer payment settlement amount information and the medical institution information into the customer virtual account; Interworking

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in association with the medical insurance integrated management agency mother account, the insurance company server 1530 is the financial system And withdraw the non-wage-based medical insurance settlement amount from the insurance company account and deposit it into the mother insurance account of the integrated medical insurance management institution, and provide the customer virtual account number and the medical institution information to the financial system. The financial system transfers the non-wage-based medical insurance settlement amount deposited to the medical insurance integrated management institution mother account from the medical insurance integrated management institution mother account to the customer virtual account, and then transfers the pay / non-payment based medical insurance to the customer virtual account. Settlement amount and customer contribution Settlement amount information and the medical device It processes the information in conjunction.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. After transferring (or depositing) the non-wage-based medical insurance settlement amount from the insurance company's mother account to the customer virtual account, the customer virtual account number and the medical institution information are provided to the financial system. The salary / non-salary standard medical insurance settlement amount, the customer contribution settlement amount information, and the medical institution information are linked to the virtual client account.

If settlement of the non-benefit based medical insurance settlement amount is completed (3250), the insurance company server 1530 includes insurance approval details corresponding to the settlement processing result of the non-benefit based medical insurance settlement amount in association with the financial system. The insurance treatment details are generated (3255), and the insurance approval text including the insurance treatment details is generated and transmitted to the salary / non-payment standard medical insurance integrated operation server 1500 (3260).

FIG. 33 is a diagram illustrating a direct debit payment process of a customer charge according to another embodiment of the present invention. FIG.

More specifically, FIG. 33 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 32, and generates an insurance approval text including a predetermined insurance treatment history. When the salary / non-payment based medical insurance integrated operation server 1500 is transmitted, the salary / non-payment based medical insurance integrated operation server 1500 for the process of direct payment of the customer burden to be paid to the medical institution by the customer As those skilled in the art to which the present invention pertains, various embodiments of the present invention can be inferred by referring to and / or modifying the drawing 33, but the present invention can be inferred. It includes all the implementation methods, and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to implement a method of payment processing of the customer charge through prepayment and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In the drawing 33, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

Referring to FIG. 33, through the process shown in FIG. 32, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When the salary / non-salary standard medical insurance integrated operation server 1500 is transmitted, the salary / non-salary standard medical insurance integrated operation server 1500 is received by the insurance approval message transmitted from the insurance company server 1530 (3300). In operation 3305, the insurance company server 1530 reads the insurance treatment history included in the received insurance approval text and confirms that the integrated insurance settlement processing is approved in the insurance company server 1530.

If the health insurance integrated settlement process is not approved in the insurance company server 1530 (for example, if the insurance process details include insurance error details) 3310, the salary / non-pay based health insurance integrated management server 1500 In operation 3355, the insurance approval message received from the insurance company server 1530 is relayed to the terminal provided in the medical institution through the network means.

On the other hand, if the health insurance integrated settlement processing is approved in the insurance company server 1530 (for example, if the insurance process includes insurance approval details) (3310), the salary / non-payment based health insurance integrated management server 1500 Debit payment information (e.g., information on financial institutions in which a debit account and a debit account are opened) and a debit payment amount (e.g., customer contribution) from the insurance approval message (or the insurance approval request text corresponding to the insurance approval message); Extract (3315) and check the validity of the direct debit for the debit amount in connection with the financial system corresponding to the debit information (for example, the financial system provided in the financial institution where the direct debit account is opened) (3320). ).

According to the method of the present invention, the debit validity check is a process of confirming whether an amount for processing the debit payment is deposited in the debit payment account included in the debit information in connection with the financial system. It is desirable to include.

If the validity of the direct debit payment is not authenticated (for example, if the amount for processing the direct debit amount is not deposited in the debit account) (3325), the salary / non-pay based medical insurance integrated operation server 1500 ) Generates a debit payment history including a predetermined debit payment error (3330), adds the debit payment details to the insurance approval message received from the insurance company server (1530) (3350), the insurance approval The full text is relayed to the terminal provided in the medical institution through the network means (3355).

On the other hand, if the validity of the debit payment is authenticated (for example, if an amount for processing the debit payment is deposited in the debit account) (3325), the salary / non-paid health insurance integrated operation server 1500 The debit payment procedure for the debit amount is performed in association with the financial system (3335).

According to the implementation method of the present invention, the debit payment procedure withdraws the debit payment amount from the debit account of the customer through the financial system in the salary / non-payment standard medical insurance integrated operation server 1500 to the medical institution account ( For example, it is preferable to include a procedure for depositing in the insurance approval full text (or insurance approval request full text) or in the insurance management information D / B 1525.

If the debit payment process is completed (3340), the salary / non-payment standard medical insurance integrated operation server 1500 generates a debit processing history including the debit authorization details corresponding to the debit payment results (3345) In addition, the debit payment details are added to the insurance approval text received from the insurance company server 1530 (3350), and the insurance approval text is relayed to the terminal provided in the medical institution through the network means (3355).

34 is a diagram illustrating a process of processing an integrated treatment result of medical expenses according to another exemplary embodiment of the present invention.

In more detail, when FIG. 34 receives the full insurance approval statement including insurance processing details and / or direct debit processing details from the salary / non-payment standard medical insurance integrated operation server 1500 through the process illustrated in FIG. 33, Regarding a process of reading and processing the insurance approval text in the insurance processing terminal 1570, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 34 and the medical expenses. Although various implementation methods for processing the integrated processing result of the present invention can be inferred, the present invention includes all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

In the drawing 34, the insurance processing terminal 1570 shown in the drawing 24 and / or drawing 25 is referred to as " terminal " for convenience.

Referring to FIG. 34, when the insurance approval message including insurance treatment details and / or direct debit processing details is received from the salary / non-payment standard medical insurance integrated operation server 1500 through the process illustrated in FIG. ), The terminal obtains a predetermined insurance processing history from the insurance approval text by reading the received insurance approval text (3405), and reads the extracted insurance processing history, thereby determining the amount of the non-payment standard medical insurance settlement. The insurance approval or insurance error is checked (3410).

If it is confirmed that the insurance error history for the non-payment standard medical insurance settlement amount is confirmed (3415), the terminal outputs the insurance error history on a predetermined screen provided on the terminal, and / or to the terminal. The printer outputs the printed output to a predetermined printing apparatus (3420).

On the other hand, if the insurance approval details for the non-wage-based medical insurance settlement amount is confirmed (3415), the terminal extracts the details of direct debit processing processed by the salary / non-wage-based medical insurance integrated operation server from the insurance approval text. (3425), it is checked whether the debit processing for the customer charges to be finally paid to the medical institution is approved by reading whether the extracted debit processing details include debit approval details or debit error details ( 3430)

If the check result of the debit payment error history for the customer charge is confirmed (for example, if the debit payment for the customer charge is not approved) (3435), the terminal is the insurance approval details and the debit payment error history The screen is output to a predetermined screen provided in the, and / or printed out to a predetermined printing device provided in the terminal (3440).

On the other hand, if the debit payment approval details of the customer charges are confirmed (for example, if the debit payment for the customer charges is approved) (3435), the terminal sends the insurance approval details and the debit payment approval details to the terminal. The screen is output to a predetermined screen provided and / or printed out to a predetermined printing apparatus provided in the terminal (3445).

35 is a diagram illustrating a salary / non-salary standard medical insurance integrated management system configuration according to another embodiment of the present invention.

More specifically, FIG. 35 shows the medical expenses that the customer should pay to a predetermined medical institution using a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8. The system configuration for the settlement and processing of the insurance settlement amount (or insurance payment amount) and the customer contributions, and those skilled in the art to which the present invention pertains, refer to and / or modify this figure 35 By using the card, it is possible to infer various system configurations for integrating and operating the medical insurance settlement amount (or insurance payment amount) and the customer's contribution based on the salary / non-salary standard medical expenses that the customer should pay to a predetermined medical institution. However, the present invention encompasses all of the inferred implementation methods, and by the implementation method shown in FIG. Not determined

Hereinafter, when the storage medium 140 shown on the card issuing system shown in FIGS. 1 and / or 8 of FIG. 35 is provided in the salary / non-paying standard medical insurance integrated management institution, the storage medium 140 ) Is referred to as "insurance management information D / B 1525" for convenience, and when the storage medium 140 is provided in at least one insurance company, the storage medium 140 is referred to as "insurance approval information D / B 1565" for convenience. ) "

Referring to Figure 35 according to an embodiment of the present invention, the salary / non-payment standard medical insurance integrated operating system is a card issued to the customer through the card issuance system shown in Figures 1 and / 8, and Through the card, the client generates and sends at least one full-text for the settlement of the medical expenses to be paid to a predetermined medical institution by combining the payment / payment-based medical insurance settlement amount (or insurance payment amount) and the customer contribution. Non-salary standard medical insurance, in which the customer subscribes to a predetermined insurance approval request text transmitted from the insurance processing terminal 1570, connected to an insurance processing terminal 1570 and the insurance processing terminal 1570 through a predetermined network means. Relaying to the insurance company corresponding to the insurance company before insurance approval corresponding to the insurance approval request message from the insurance company server 1530; The salary / non-salary standard medical insurance integrated operation server 1500 and the salary / non-salary standard medical insurance integrated operation server 1500 for receiving and relaying the insurance processing terminal 1570 are transmitted through a predetermined communication means. And an insurance company server 1530 which processes the insurance approval request message received from the salary / non-salary standard medical insurance integrated operation server 1500, and the insurance approval request message is completed in the insurance company server 1530. When the insurance approval process corresponding to, characterized in that it comprises a financial system for processing the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text.

If a medical insurance card issued by the National Medical Insurance Corporation (or a card issued through the card issuing system shown in FIGS. 1 and / or 8 is provided with a medical insurance card issued by the National Medical Insurance Corporation, FIG. 1 And / or have a card issued through the card issuing system shown in FIG. 8 and visit at least one medical institution (eg, a clinic or a hospital) to receive a predetermined medical service, and then provide the medical service provided to the customer. Medical expenses included in the salary standard among the total medical expenses corresponding to the medical treatment are settled through the national medical insurance corresponding to the salary based medical insurance, and when the client has at least one non-salary standard medical insurance, Among the expenses, the non-benefit based medical expenses are settled through private medical insurance corresponding to the non-benefit based medical insurance, In addition to the remaining amount will be asked to pay the processing fee to the customer.

For the medical cost settlement processing as described above, the customer has a card issued through the card issuing system shown in FIGS. 1 and / or 8, and the medical institution has a medical insurance integrated operation function through the card. A predetermined insurance processing terminal is provided.

The insurance processing terminal 1570 may be a window terminal provided at a window of the medical institution, and / or a card terminal having a predetermined card payment function, and / or medical expenses (eg, non-payment) that the customer should pay to the medical institution. At least one of a predetermined unmanned terminal for processing the unmanned settlement for the reference medical cost and customer charges), the preferred embodiment of the insurance terminal 1570 will be described in detail with reference to FIG. .

The window terminal of the insurance processing terminal (1570) is a terminal provided in the medical cost storage window of the medical institution, by implementing the function of the insurance processing terminal (1570) shown in Figure 36 in the terminal provided in the storage window In accordance with the insurance processing terminal 1570.

In addition, the card terminal of the insurance processing terminal 1570 is a card payment terminal provided in the medical cost storage window of the medical institution, the insurance processing terminal (1570) shown in Figure 36 to the card payment terminal provided in the storage window By implementing a function to operate as an insurance processing terminal 1570 according to the present invention, or the card terminal is a dedicated card for integrated treatment of salary / non-payment standard medical insurance with insurance processing terminal 1570 function shown in Figure 36 It is possible to include a terminal.

In addition, the unmanned terminal of the insurance processing terminal 1570 is connected to a predetermined KIOSK and / or at least one or more financial systems provided in the medical institution through a predetermined CD common network (CD / ATM) provided in the medical institution ( By implementing the insurance processing terminal 1570 function shown in Fig. 36 in a financial terminal including a Cash Dispenser / Automatic Teller Machine, it operates as the insurance processing terminal 1570 according to the present invention, or the unmanned terminal is shown in Fig. 36 The insurance processing terminal 1570 illustrated in FIG. 1 may be configured to include an automatic terminal for salary / non-salary standard medical insurance integrated processing.

The insurance processing terminal 1570 is connected to the salary / non-pay salary standard medical insurance integrated management server 1500 provided in a predetermined medical insurance integrated management institution through a predetermined network means, the customer is the medical institution Insurers corresponding to the non-benefit-based medical insurance that the client subscribes to pay the non-benefit-based medical insurance payment amount (or the amount paid) corresponding to 90% of the medical expenses (e.g., non-benefit-based medical expenses and customer contributions) It is characterized in that the predetermined insurance approval request text to be processed through the settlement process is generated and transmitted to the salary / non-payment standard medical insurance integrated operation server 1500.

In addition, the insurance processing terminal 1570 receives a predetermined insurance approval message including an insurance treatment history corresponding to the insurance approval request message from the salary / non-salary standard medical insurance integrated operation server 1500 through the network means. And output (eg, screen output and / or print output) of the insurance processing details included in the insurance approval text.

If the insurance processing details included in the insurance approval text includes insurance approval details that normally settle the non-benefit-based medical insurance settlement amount (or insurance payment amount), the insurance processing terminal 1570 indicates that the customer Create a direct debit authorization request text corresponding to the client's final payment to the medical institution, and transfer the debit authorization request text to a financial system in which the direct debit account is opened through a predetermined network means (and / or communication means). By transmitting, characterized in that it comprises a function to process the payment of the customer fee.

The salary / non-salary standard medical insurance integrated operation server 1500 is characterized by relaying the insurance processing terminal 1570 provided in at least one or more medical institutions, and the insurance company server 1530 provided in at least one insurance company, The salary / non-salary standard medical insurance integrated operation server 1500 reads card information included in the insurance approval request text, and predetermined card information and insurance company for checking the insurance company server 1530 which relays the insurance approval request text. Insurance operation information D / B (1525) for storing the information (for example, insurance company server 1530 information) in a cooperative process characterized in that it is made.

Referring to FIG. 35, the salary / non-salary standard medical insurance integrated operation server 1500 may include a specialized receiver 1505 for receiving a predetermined insurance approval request text from at least one insurance processing terminal 1570 through the network means. A professional confirmation unit 1510 which extracts card information included in the insurance approval request text and checks the insurance company server 1530 which relays the insurance approval request text in connection with the insurance management information D / B 1525. And relaying the entire insurance approval request message to the confirmed insurance company server 1530 through a predetermined communication means, and the insurance processing details corresponding to the insurance approval request text from the insurance company server 1530 through the communication means. A professional relay unit 1520 for receiving an insurance approval text including a preamble, and the insurance approval text is transmitted to the insurance processing terminal 1570 through the network means. Characterized in that formed by having a portion (1515).

The specialized receiver 1505 may receive a predetermined insurance approval request telegram generated and transmitted by at least one insurance processing terminal 1570 provided in at least one medical institution through the network means. The full insurance approval request is provided to the specialized confirmation unit 1510.

According to an embodiment of the present invention, the insurance approval request text may include the card information, the medical institution information, at least one disease code (or prescription code) information provided by the medical institution to the customer, and the medical care. It is preferable to include at least one salary / non-salary standard medical insurance settlement amount and customer contribution information corresponding to the service.

When the customer is issued a card through the card issuing system shown in Figure 1 according to an embodiment of the present invention, the card information is for the integrated settlement processing of the salary / non-payment based medical insurance settlement amount and customer contribution It is preferable to include a virtual account number, the information on the financial institution in which the virtual account is opened, and the insurance company information corresponding to the non-payment standard medical insurance subscribed to by the customer.

According to another embodiment of the present invention, when the customer is issued a card through the card issuing system shown in FIG. 8, the card information includes a predetermined card number (or customer ID information, or customer social security number). Preferably, the insurance management information D / B (1525) stores the virtual account information of the customer (for example, the customer virtual account number and the information of the financial institution opened the virtual account) associated with the card information is stored. It is preferable to be.

When a predetermined insurance approval request text is received through the specialized receiving unit 1505, the specialized checking unit 1510 extracts card information included in the insurance approval request text, and based on the extracted card information. By confirming insurance company information stored in the insurance operation information D / B 1525 in association with the card information, predetermined communication means (eg, salary / non-salary standard health insurance integrated operation server 1500 and at least one insurance company server ( It is characterized in that the predetermined insurance company server (1530) to transmit the insurance approval request relay through the communication network) to connect the communication 1530).

When a predetermined insurance company server 1530 which transmits the insurance approval request message is confirmed through the specialized confirmation unit 1510, the specialized relay unit 1520 may receive the insurance approval request received through the specialized receiver 1505. Characterized in (or at least one or more information extracted to provide to the insurance company server 1530 from the insurance approval request message), characterized in that the relay transmission through the communication means to the confirmed insurance company server 1530, and then The specialized relay unit 1520 receives the insurance approval message including the insurance processing details corresponding to the insurance approval request message from the insurance company server 1530 through the communication means.

According to the implementation method of the present invention, the insurance processing details include the insurance approval details including that the insurance company approved the settlement of the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the full insurance approval request. It is preferable to include a predetermined insurance error history that includes or does not settle the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the full insurance approval request.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the insurance company server 1530 through the communication means while receiving the insurance approval message, the specialized relay unit 1520. Provides the full insurance approval to the specialized transmission unit 1515.

When the insurance approval message is received from the insurance company server 1530 through the specialized relay unit 1520, the expert transmission unit 1515 transmits the insurance approval request message to the insurance approval message through a predetermined network means. It is characterized in that the transmission to one insurance processing terminal (1570).

The insurance company server 1530 is connected to the salary / non-salary standard medical insurance integrated operation server 1500 through a predetermined communication means, the insurance company server 1530 is integrated salary / non-salary standard medical insurance Card information issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 to approve the insurance approval request included in the insurance approval request message transmitted from the operation server 1500, And insurance approval information D / B 1565 for linking and storing insurance product information corresponding to the non-benefit-based medical insurance to which the customer has subscribed. The insurance approval information D / B 1565 may include: It is preferable that the non-benefit-based insurance company further comprises customer information subscribed to private medical insurance.

According to the implementation method of the present invention, the insurance product information stored in the insurance approval information D / B (1565) is at least one disease code (or prescription code) information that the customer can be guaranteed through the non-benefit based medical insurance It is preferable to comprise a.

Referring to FIG. 35, the insurance company server 1530 may include a professional receiver 1535 that receives a predetermined insurance approval request message relayed from the salary / non-salary standard medical insurance integrated operation server 1500 through the communication means. An information extracting unit 1540 for extracting information necessary for insurance approval from the received insurance approval request text message, and the insurance approval request text message in connection with the insurance approval information D / B 1565 based on the extracted information; It is characterized in that it comprises the insurance approval unit 1550 for approving the settlement process for the non-benefit standard medical insurance settlement amount (or insurance payment amount) included in.

In addition, the insurance company server (1530) is approved by the insurance approval unit (1550) for settlement of the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the insurance approval request, the card information, the card information Settlement processing unit for depositing and processing the non-benefit-based medical insurance settlement amount (or insurance payment amount) to the customer virtual account (or the parent account associated with the customer virtual account) using the virtual account number and the financial institution information included in It is characterized by comprising (1560).

In addition, if the insurance company server 1530 is approved by the insurance approval unit 1550 for the settlement of the non-benefit-based medical insurance settlement amount (or insurance payment amount) included in the insurance approval request text, the predetermined insurance Generate a predetermined insurance processing history corresponding to the approval details, generate a predetermined insurance approval text including the generated insurance processing history, or be included in the insurance approval request text by the insurance approval unit 1550; If the settlement processing for the non-benefit-based medical insurance settlement amount (or insurance payment amount) is not approved, a predetermined insurance processing history corresponding to a predetermined insurance error history is generated, and a predetermined insurance processing history including the generated insurance processing history is provided. Characterized in that it comprises a full text generation unit 1545 for generating a full insurance approval.

In addition, when the insurance company server 1530 is generated by the full-text generation unit 1545, the insurance approval message including the insurance treatment history, the insurance approval full text is integrated with the salary / non-payment standard medical insurance through the communication means Characterized in that it comprises a specialized transmission unit 1555 for transmitting to the operation server 1500.

The specialized receiver 1535 is connected to the salary / non-salary standard medical insurance integrated operation server 1500 through the communication means, and relayed from the salary / non-salary standard medical insurance integrated operation server 1500 through the communication means. Characterized in that it receives the predetermined insurance approval request message transmitted, and provides the received insurance approval request full text to the information extraction unit (1540).

The information extracting unit 1540 extracts information necessary for insurance approval from the insurance approval request message received through the specialized receiving unit 1535, and the information necessary for the insurance approval is the card information and the medical institution. Preferably comprises at least one disease code (or prescription code) information provided to the customer in the medical service, and then the information extracting unit 1540 includes the card information extracted from the insurance approval request text. Disease code (or prescription code) information is provided to the insurance approval unit (1550).

The insurance approval unit 1550 compares and authenticates the card information and the card information stored in the insurance approval information D / B 1565 to determine whether the customer is a member of the private medical insurance company of the non-paid insurance company. It is characterized in that the authentication.

According to an embodiment of the present invention, when the card information matching the card information included in the insurance approval request text is stored on the insurance approval information D / B 1565, the customer may purchase the private medical insurance company of the non-benefit-based insurance company. You are approved as a valid customer who has joined.

Further, the insurance approval unit 1550 extracts insurance product information linked to the card information from the insurance approval information D / B 1565, and includes a disease code (or prescription code) included in the insurance approval request text. By comparing and authenticating information and disease code (or prescription code) information included in the insurance product information, the medical service provided by the client (eg, a disease treated by the client's medical institution) by the client is not paid by the client. It is characterized by checking whether it is covered by the standard medical insurance.

According to the embodiment of the present invention, the disease code (or prescription code) information included in the insurance product information stored in the insurance approval information D / B (1565) and the disease code (or prescription code) included in the full insurance approval request If the information is matched, it is approved that the insurer should settle 90% of the medical expenses (eg, non-payment based medical expenses and customer contributions) that the client is required to pay to the medical institution.

If the settlement approval of the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request full text is approved by the insurance approval unit 1550, the information extraction unit 1540 is the insurance approval request. Extracting information for settlement to a non-wage-based medical insurance, and / or information for settlement to a pay-based medical insurance, and / or information for settlement to a customer contribution. The necessary information may include the card information, the non-paid medical insurance settlement amount (or insurance payment amount) and / or the salary-based medical insurance settlement amount (or insurance payment amount) and / or the customer contribution settlement amount, and medical institution information. Preferably, the information extracting unit 1540 is extracted from the insurance approval request text. At least one adjustment amount of the medical institution information and the card information will be provided to the settlement processing unit (1560).

According to an exemplary embodiment of the present invention, when the card information includes a virtual account number corresponding to the customer virtual account and financial institution information, the information extracting unit 1540 sends the card information to the settlement processing unit 1560. to provide.

According to another exemplary embodiment of the present invention, when the card information includes a predetermined card number (or customer ID information or customer social security number), the information extracting unit 1540 may include insurance approval information D / B 1565 ( Or a customer virtual account number associated with the card information and a financial institution information), and extracts the customer virtual account number and financial institution information associated with the card information to the settlement processor 1560.

The settlement processing unit 1560 is the card information (for example, the customer virtual account number and the information of the financial institution opened the virtual account) from the information extraction unit 1540 and at least one settlement amount (for example, non-payment based medical insurance settlement Amount, salary-based medical insurance settlement amount, customer contribution settlement amount, etc.) and medical institution information, the non-payment to the virtual account in connection with the financial system corresponding to the financial institution corresponding to the card information through a predetermined communication means Deposit the standard medical insurance settlement amount and / or salary standard medical insurance settlement amount and / or customer contribution settlement amount, and the non-payment standard medical insurance settlement amount (or insurance payment amount) is transferred from the client virtual account to the medical institution (or medical institution). The medical institution information (e.g., to the financial system) for final transfer (or deposit) to the account. And it provides a medical facility identification information, account information, medical institutions or the like).

According to an embodiment of the present invention, when the customer virtual account is processed in connection with the financial institution mother account, the settlement processing unit 1560 is connected with the financial system to settle the non-benefit-based medical insurance settlement amount (or the amount of the insurance payment). Withdraw money from the non-paid insurance company account and deposit it into the financial institution mother account, and / or withdraw the salary-based medical insurance settlement amount (or benefit payment amount) from the pay insurance company account and deposit it into the financial institution mother account; and / or After withdrawing the payment amount from the credit card company / financial company account corresponding to the payment method provided on the card to the financial institution mother account, and provides the customer virtual account number and the medical institution information to the financial system, In response, the financial system transfers the funds deposited to the financial institution mother account. The standard medical insurance settlement amount (or insurance payment amount) from the financial institution's mother account to the customer virtual account, and then the non-wage standard medical insurance settlement amount (or insurance payment amount) information and the medical institution information Integrate with.

Thereafter, the non-benefit-based medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the financial institution mother account is finally transferred to the medical institution account corresponding to the medical institution information through the financial system. Or deposit).

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in association with the medical insurance integrated management institution mother account, the settlement processing unit 1560 is linked with the financial system to settle the non-wage standard medical insurance amount (or insurance money). The amount paid) is withdrawn from the insurance company account and deposited into the mother account of the integrated medical insurance management institution, and then the customer virtual account number and the medical institution information are provided to the financial system. After transferring the non-benefit-based medical insurance settlement amount (or insurance payment amount) transferred to the management institution mother account from the medical insurance integrated management institution mother account to the customer virtual account, the non-wage-based medical insurance settlement amount ( Or the amount of insurance payment) and the medical institution information. The.

Subsequently, the non-wage standard medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the medical insurance integrated management institution mother account is transferred to the medical institution account corresponding to the medical institution information through the financial system. Final transfer (or deposit) is processed.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in connection with the insurance company's mother account, the settlement processing unit 1560 is linked with the financial system to settle the non-benefit-based medical insurance payment amount (or insurance payment amount). Transfer (or deposit) from the insurance company's parent account to the customer's virtual account, and provide the customer's virtual account number and the medical institution information to the financial system, and in response, the financial system provides the non-payment criteria to the customer's virtual account. The medical insurance settlement amount (or insurance payment amount) information is linked to the medical institution information.

Thereafter, the non-benefit-based medical insurance settlement amount (or insurance payment amount) transferred (or deposited) to the customer virtual account through the insurance company mother account is finally transferred (or paid) to the medical institution account corresponding to the medical institution information through the financial system. Deposit).

If the settlement approval for the non-payment standard medical insurance settlement amount (or the insurance payment amount) included in the insurance approval request text is approved by the insurance approval unit 1550, the full text generation unit 1545 grants a predetermined insurance approval. Generate a predetermined insurance processing history corresponding to the details, and generate a predetermined insurance approval text including the generated insurance processing history, and then transfer the generated insurance approval text to the specialized transmission unit 1555. To provide.

Or, if the settlement processing for the non-payment standard medical insurance settlement amount (or insurance payment amount) included in the insurance approval request telegram is not approved by the insurance approval unit 1550, the preamble generation unit 1545 is a predetermined one. Generate a predetermined insurance processing history corresponding to the insurance error history, and generate a predetermined insurance approval text including the generated insurance processing history, and then transfer the generated insurance approval text to the specialized transmission unit ( 1555).

When the expert transmission unit 1555 generates an insurance approval letter including the insurance treatment details by the expert generation unit 1545, the insurance approval letter is integrated through the salary / non-payment standard medical insurance through the communication means. Characterized in that the transmission to the server 1500, the salary / non-payment standard medical insurance integrated operation server 1500 relays the insurance approval to the insurance processing terminal (1570) provided in the medical institution.

Referring to FIG. 35, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the external system of the financial system is linked to the settlement processing unit 1560 provided in the insurance company server 1530 to the virtual account of the non-wage-based medical insurance settlement amount and / or salary-based medical insurance settlement amount And / or deposits a payment amount for a customer contribution and the like, and sets a medical expenses settlement portion in which the non-payment based medical insurance settlement amount (or insurance payment amount) is finally transferred (or deposited) from the customer virtual account to the medical institution (or medical institution account). It is characterized by comprising.

According to an embodiment of the present invention, when the customer virtual account is processed in connection with the financial institution mother account, the medical expenses settlement unit is linked with the settlement processing unit 1560 of the insurance company server 1530 from the non-payment standard insurance company account Withdraw the standard medical insurance settlement amount (or insurance payment amount) and deposit it to the financial institution mother account, and / or withdraw the payroll standard medical insurance settlement amount (or insurance payment amount) from the payroll insurance company account. Deposit to the mother account, and / or withdraw the customer contribution settlement amount from the card company / financial company account corresponding to the payment method provided in the card and deposit the money to the financial institution mother account, and from the settlement processing unit 1560 to the customer virtual account If a number is provided, at least one payment settled in the financial institution's mother account When an amount is transferred (or deposited) to the customer virtual account linked to the financial institution mother account, and / or the medical institution information is provided from the settlement processing unit 1560, at least one or more of the settlement amount is added to the customer virtual account. It is preferable to withdraw money from the bank and make a final transfer (or deposit) to a medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement portion of the non-payment based medical insurance settlement amount (or insurance payment amount) and / or salary-based medical insurance settlement amount (or insurance payment amount) and transferred (or deposited) to the customer virtual account through the financial institution mother account and And / or payment (or payment) of non-paid health care payments (or payments) that are immediately transferred (or deposited) to the account of the provider corresponding to the medical institution information, or / or transferred (or deposited) to at least one customer virtual account. And / or maintain a fixed amount of medical insurance payment amount (or insurance payment amount) and / or customer payment settlement amount for a period of time, and then periodically transfer (or deposit) to a medical institution account corresponding to the medical institution information. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, when the customer virtual account is processed in association with the medical insurance integrated management institution mother account, the medical expenses settlement unit is linked with the settlement processor 1560 of the insurance company server 1530, the non-payment based insurance company Withdraw the non-benefit-based medical insurance settlement amount (or insurance payment amount) from the account and deposit it into the mother insurance account of the integrated health insurance management institution, and / or the salary-based medical insurance settlement amount (or insurance payment amount) from the salary-based insurance company account Withdraw the funds to the medical insurance integrated management institution mother account, and / or withdraw the settlement amount from the card company / financial company account corresponding to the payment method provided on the card to the medical insurance integrated management institution mother account. The customer virtual account number is set from the settlement processing unit 1560. When the at least one settlement amount deposited in the medical insurance integrated management institution mother account is transferred (or deposited) to the customer virtual account linked to the medical insurance integrated management institution mother account, and / or the settlement processing unit 1560 When the medical institution information is provided, it is preferable to withdraw at least one or more of the settlement amount from the merchant customer virtual account and finally transfer (or deposit) the medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement portion of the non-payment based medical insurance settlement amount (or insurance payment amount) and / or salary-based medical insurance settlement amount (or insurance payment) transferred (or deposited) to the customer virtual account through the medical insurance integrated management agency mother account Amount) and / or customer contribution settlement amount is immediately transferred (or deposited) to a medical institution account corresponding to the institution information, or a non-benefit based health insurance settlement amount (or insurance) transferred (or deposited) to at least one or more customer virtual accounts. Payment amount) and / or salary-based medical insurance settlement amount (or insurance payment amount) and / or customer contribution settlement amount for a period of time, and then periodically transfer (or deposit) to the medical institution account corresponding to the medical institution information. Preferably, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the customer virtual account is linked to the insurance company mother account, the medical expenses settlement unit is linked to the settlement processing unit 1560 of the insurance company server 1530 from the non-payment based insurance company account. Withdraw a non-benefit basis medical insurance amount (or benefit payment amount) and deposit it into the insurer's mother account, and / or withdraw the salary standard medical insurance amount (or benefit payment amount) from the payroll insurer account. And withdrawal of the customer contribution payment amount from the card company / financial company account corresponding to the payment method provided on the card and deposits the money into the insurance company mother account, and the customer virtual account number from the settlement processing unit 1560 If provided, at least one settlement amount deposited in the insurer's parent account Transfer (or deposit) to the customer virtual account linked to the insurer's parent account, and / or when the medical institution information is provided from the settlement processing unit 1560, withdraw at least one or more of the settlement amount from the merchant customer virtual account. It is preferable to make a final transfer (or deposit) to a medical institution account corresponding to the medical institution information.

In addition, the medical expenses settlement portion of the non-payment based medical insurance payment amount (or insurance payment amount) and / or salary-based medical insurance payment amount (or insurance payment amount) and / or transferred (or deposited) to the customer virtual account through an insurance company mother account and / or Or immediately transfer (or deposit) the payment of the client's contribution to the provider's account corresponding to the provider's information, or settle (or pay) the non-wage-based health insurance payment transferred (or deposit) to at least one customer's virtual account; It is preferable to maintain the fixed amount of medical insurance payment amount (or insurance payment amount) and / or customer contribution settlement amount for a certain period of time, and then transfer (or deposit) to the medical institution account corresponding to the medical institution information periodically. The present invention is not limited by this.

Referring to FIG. 35, the medical expenses settlement unit in connection with the insurance processing terminal 1570 provided in the medical institution through a predetermined network means (and / or communication means), the customer to pay the final payment to the medical institution It is characterized in that it further comprises a function for processing by direct debit.

That is, the medical expenses settlement unit receives a predetermined direct debit authorization request message from the insurance processing terminal 1570 provided in the medical institution, and in response to the direct debit authorization request text, a predetermined debit payment amount from the direct debit account of the customer. (E.g., the customer is required to pay the final payment to the medical institution) characterized in that it further comprises a function for checking the balance of the direct debit account of the customer.

In addition, when a predetermined debit amount (eg, the customer's deductible to be paid by the customer to the medical institution) can be withdrawn from the customer's direct debit account (for example, the balance of the debit account of the customer is the debit payment). If the amount is more than the amount deposited, the medical expenses settlement unit in response to the debit authorization request full text from the debit account of the customer (e.g., the customer's final payment to the medical institution) It is characterized in that it further comprises a function of withdrawing money (or depositing) to the medical institution account.

Subsequently, the medical expenses settlement unit generates a predetermined debit settlement history corresponding to the debit settlement result (for example, a debit authorization, or a debit settlement error history), and includes the debit settlement details. It is characterized in that it further comprises a function for generating and transmitting to the insurance processing terminal 1570 provided in the medical institution.

36 is a diagram showing the functional configuration of the insurance processing terminal 1570 according to another embodiment of the present invention.

More specifically, FIG. 36 illustrates an implementation of an insurance processing terminal 1570 for integrated settlement processing of customer medical expenses through the salary / non-salary standard medical insurance on the salary / non-salary standard medical insurance integrated management system shown in FIG. 35. As a method, one of ordinary skill in the art to which the present invention pertains, various insurance treatments for the integrated settlement of customer medical expenses through salary / non-pay based medical insurance by referring to and / or modifying this drawing 36 Although the functional configuration of the terminal 1570 may be inferred, it is to be understood that the technical features of the present invention are not limited to this drawing 36 but include all the inferred implementation methods.

For example, the insurance processing terminal 1570 shown in FIG. 36 includes at least an insurance processing terminal, a financial automation device, a credit authorization terminal (CAT), a point of sales (POS) terminal, or the like provided in the medical institution. It consists of one or more.

In addition, FIG. 36 illustrates that the insurance processing terminal 1570 further includes a function of processing customer charges to be paid by the medical institution as a direct debit, but the present invention belongs to the insurance processing terminal 1570. Those skilled in the art may refer to and / or modify the drawing 36 to process the payment of the customer's payment to the medical institution by the customer through prepayment and / or credit payment at the insurance processing terminal 1570. It will be possible to infer a functional configuration to the invention, the present invention comprises the above inferred implementation method.

Referring to FIG. 36, the insurance processing terminal 1570 basically includes a control unit 3605, a memory unit 3650, a card reader unit 3610, a key input unit 3620, a screen output unit 3615, and a communication processor 3630. ) And a security application module 3635, a print output unit 3640, and a power supply unit 3625 for supplying power to the insurance processing terminal 1570, and at least one terminal function unit according to the intention of those skilled in the art. (Not shown) and the like.

The control unit 3605 controls the overall operation of the insurance processing terminal 1570 according to the function configuration, manages the flow of information or data between each component, and integrated settlement of customer medical expenses through the salary / non-salary standard medical insurance It is characterized by controlling the components provided in the insurance processing terminal (1570) for processing, and at least one processor and execution memory (for example including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) And a bus for inputting and outputting predetermined data, and a register and / or random access memory (RAM) and a predetermined data for performing a function specific to the insurance processing terminal 1570 in software. Predetermined program routines and / or programs which are loaded from the recording medium of the recording medium into the execution memory and are processed by the processor. A predetermined program and / or the insurance processing recorded on a recording medium provided in the insurance processing terminal 1570 for processing the integrated settlement of the client's medical expenses through the salary / non-salary-based medical insurance, including gram data. Among the functional configurations provided in the terminal 1570, a component capable of being processed by software is illustrated as being provided in the controller 3605.

According to an exemplary embodiment of the present invention, the controller 3605 may include components (for example, the memory unit 3650, the card reader unit 3610, the key input unit 3620, and the screen) provided in the insurance processing terminal 1570. The insurance processing terminal by interworking an output unit 3615, a communication processor 3630, a security application module 3635, a print output unit 3640, and / or a terminal function unit (not shown) according to the intention of a person skilled in the art. The insurance processing terminal 1570 controls and manages the provision of the integrated settlement processing service of medical expenses as defined in 1570, as well as the integrated settlement processing of the client's medical expenses through the salary / non-salary standard medical insurance according to the present invention. ) Are recorded in a recording medium provided in the insurance processing terminal 1570 for the mutual settlement of the components provided in the control unit and / or for the integrated settlement of the client's medical expenses through the salary / non-salary-based medical insurance. Frog It is preferable to run the RAM.

The memory unit 3650 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the insurance processing terminal 1570 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It includes one or more storage means, the control unit 3605 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an embodiment of the present invention, the memory unit includes medical institution information (eg, medical institution identification information, or medical institution) to be included in a predetermined insurance approval request text (and / or a direct debit authorization request text) generated by the insurance processing terminal 1570. Account information).

The customer who receives the integrated settlement processing of the customer's medical expenses through the salary / non-salary standard medical insurance according to the present invention through the insurance processing terminal 1570, the MS (Magnetic Stripe) card, and based on the ISO / IEC 7810 standard; Carry a contact IC card (or wireless IC chip) based on ISO / IEC 7816 and / or at least one contactless IC card (or wireless IC chip) based on ISO / IEC 14443 The card reader 3610 may provide an interface for reading at least one or more information or data included in the card.

According to an embodiment of the present invention, the card reader unit 3610 may include an MS reader unit providing an interface between the MS card and the insurance processing terminal 1570, and / or the contact IC card and the insurance processing terminal ( 1570) a contact IC reader unit providing an interface between the contactless and / or a contactless IC reader unit providing an interface between the contactless IC card and the insurance processing terminal 1570.

The MS reader unit is a card reader unit 3610 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the insurance processing terminal 1570 using the loaded.

The contact IC reader unit is a card reader unit 3610 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies the power to the IC chip of the IC card through the contact point, and the predetermined information or from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) The data is interfaced to the insurance processing terminal 1570.

The contactless IC reader part is a card reader part 3610 based on ISO / IEC 14443. The contactless IC reader part uses at least an electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and insurance information or data from the IC chip through the half-duplex transaction using the APDU It is characterized in that the interface to the processing terminal 1570.

According to an exemplary embodiment of the present invention, the card reader unit 3610 may include at least one card reader unit 3610 from the at least one card reader unit 3610 for an integrated settlement processing service of medical expenses defined in the insurance processing terminal 1570. Alternatively, it is preferable to read predetermined card information provided in the card through the card issuing system shown in FIG.

The key input unit 3620 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the insurance processing terminal 1570 controlled by the control unit 3605. When predetermined information (or signal) is input from the key button of the controller, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 3605. The controller 3605 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the insurance processing terminal 1570, and / or is matched with the key event. A to obtain a command to execute a predetermined function of the features. The key input unit 3620 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the insurance processing terminal 1570.

The key input device that is interlocked with the key input unit 3620 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to an exemplary embodiment of the present invention, the key input unit 3620 is provided to the integrated settlement processing service of the medical expenses from at least one key input device for the integrated settlement processing services of the medical expenses defined in the insurance processing terminal 1570. It is preferable to perform a function of a key input means for receiving corresponding key data (e.g., payment amount, etc.), and the key for integrated settlement processing of customer medical expenses through salary / non-salary standard medical insurance according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing integrated settlement processing of customer medical expenses through the salary / non-salary standard medical insurance from an input device.

The screen output unit 3615 is a liquid crystal display (LCD) by the control unit 3605 while the insurance processing terminal 1570 performs a predetermined function (for example, integrated settlement processing of medical expenses using a card). And / or at least one or more information or data which is predefined or defined in real time to be output to a predetermined display device including a Cathode Ray Tube (CRT) and / or a CRT (Cathode Ray Tube). The screen output unit 3615 and the screen output device interoperate with each other to perform a function of a screen output means provided in the insurance processing terminal 1570.

Predefined information or data to be output to the screen output device by the insurance processing terminal 1570 is provided in the key data input through the key input unit 3620 and / or in the insurance processing terminal 1570. Corresponding to the information (or data) stored or generated by the component, the information (or data) transmitted / received through the communication processing unit 3630, and / or a predetermined calculation result performed by the insurance processing terminal 1570 ( Or at least one or more data).

According to a preferred embodiment of the present invention, the screen output unit 3615 is configured to provide the medical expenses according to each electronic payment step to the screen output device for the integrated settlement processing service of medical expenses defined in the insurance processing terminal 1570. It is preferable to perform a function of a screen output means for outputting an integrated settlement processing screen, and the salary / non-paid to the screen output device for the integrated settlement processing of customer medical expenses through the salary / non-salary standard medical insurance according to the present invention. It is preferable to perform the function of the screen output means for outputting a processing screen corresponding to the step of providing the integrated settlement processing of the customer medical expenses through the standard medical insurance.

The communication processing unit 3630 is a salary / non-salary standard medical insurance integrated operation server through a network means while the insurance processing terminal 1570 performs a predetermined function (for example, integrated settlement processing of medical expenses using a card). A terminal (or device) and / or the insurance processing terminal 1570 connected to the communication channel for integrated settlement processing of medical expenses and / or the insurance processing terminal 1570 through a predetermined cable ) And a predetermined communication means for connecting a communication session with a terminal (or device) connected through a predetermined short-range wireless communication, the salary / non-payment standard medical insurance integrated operation server 1500 through a network means Network communication unit for connecting a predetermined communication channel, and / or for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port. And a short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device to a predetermined communication session through a table communication unit and / or at least one or more short range wireless communication means. Or a communication protocol and / or driver for connecting a communication session).

The network communication unit may include a predetermined wired network including a high speed internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication) and / or a financial common network and / or a mobile communication network or a wireless data communication network. And connecting a communication channel with the salary / non-payment standard medical insurance integrated operation server 1500 through a network means including at least one wireless network, wherein the insurance processing terminal 1570 is hardware-determined. A modem or a network interface card (NIC) for accessing the network, and a communication protocol and / or driver for software to connect the insurance processing terminal 1570 to the wired / wireless network. It is done by

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, LAN, RS-232c, USB (Universal Serial Bus)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for private short range wireless communication in software.

Here, the terminal (or device) connected through the cable communication unit and / or the short-range wireless communication unit includes a terminal (or device) used by at least one or more doctors (or nurses) providing predetermined medical services in the medical institution. Through the terminal (or device), the insurance processing terminal 1570 may provide predetermined disease code (or prescription code) information and / or non-payment based medical insurance settlement amount (or insurance payment amount). .

The Secure Application Module (3635) is a confidentiality and / or authentication required by the insurance processing terminal 1570 to perform an integrated settlement procedure of medical expenses through the card. And / or security requirements, including integrity and / or nonrepudiation, can be secured and trusted within the insurance processing terminal 1570 without using an authentication server (not shown) on the network means. As a safety device for performing such a structure, a predetermined message (information or data) processed in the process of the insurance processing terminal 1570 performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function) is performed. An important key in the process of encrypting or decrypting, adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. And a function of storing the beam.

In general, the security application module 3635 preferably includes a predetermined security application module 3635 inserter and a security application module 3635 chip, and the security application module 3635 chip includes at least 8-bit CPU. Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 3635 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, and code values required for the insurance processing terminal 1570 to perform a predetermined security request function). And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 3640 may include a process of performing the predetermined function (e.g., integrated settlement processing of medical expenses using a card) and / or predetermined information or data generated as a result of the insurance processing terminal 1570 ( For example, the result of the integrated settlement of medical expenses) is output to a predetermined printing device (for example, a receipt printing machine), and the printing information or data is printed through the predetermined printing device in accordance with a predefined printing form. It comprises a printing protocol and a driver for.

Referring to FIG. 36, the insurance processing terminal 1570 acquires at least one or more pieces of information to be included in a full insurance approval request for integrated settlement processing of customer medical expenses through salary / non-salary standard medical insurance according to the present invention. Acquiring information to confirm whether the acquisition unit (3655) and at least one or more information obtained through the information acquisition unit (3655) satisfies the integrated settlement processing conditions of the customer medical expenses through the salary / non-salary standard medical insurance according to the present invention If the information 3660 and at least one or more information obtained through the information acquisition unit 3565 satisfy the integrated settlement processing condition of the customer medical expenses through the salary / non-salary standard medical insurance according to the present invention, the acquired A full text generation unit 1545 and 3665 for generating a predetermined insurance approval request text including at least one piece of information, and a beam generated through the full text generation unit 1545 and 3665. Specialized transmission unit (1515) (3670) for transmitting the full approval request request to the salary / non-salary standard medical insurance integrated operation server 1500 through the communication processing unit 3630, and the salary / non-salary standard medical insurance integrated management server ( A text receiving unit 1505 (3675) for receiving an insurance approval text corresponding to the insurance approval request text from 1500, and an insurance processing history included in the insurance approval text, and the screen is read through the screen output part 3615. It is characterized in that it comprises a specialized processing unit (3680) for outputting and / or print output through the print output unit (3640).

The information acquiring unit 3555 may include a non-payment based medical insurance settlement amount (or an insurance payment amount) and / or a salary based medical insurance settlement amount among medical expenses that the customer should pay to the medical institution through the key input unit 3610. (Or insurance payment amount) and / or customer contribution settlement amount, etc., and / or a terminal used by a doctor (or nurse) of the medical institution through a cable communication unit and / or a short range wireless communication unit of the communication processing unit 3630 Or device) to receive and obtain the non-payment based medical insurance settlement amount (or insurance payment amount) and / or salary based medical insurance settlement amount (or insurance payment amount) and / or customer contribution settlement amount.

In this case, the information checking unit 3660 determines whether the information obtaining unit 3555 inputs the non-payment standard medical insurance settlement amount (or the insurance payment amount) through the key input unit 3610 (or the customer enters the medical institution). Check whether the information corresponding to the non-payment standard medical insurance item is input, and / or the doctor (or nurse) of the medical institution through the cable communication unit and / or the short range wireless communication unit of the communication processing unit 3630. Whether the non-benefit-based medical insurance settlement amount (or insurance payment amount) is input from the terminal (or device) used by the user (or information corresponding to the non-paid-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is input. It is characterized by checking.

If the non-wage-based medical insurance settlement amount (or insurance payment amount) is input through the information verification unit 3660 (or the information corresponding to the non-wage-based medical insurance item among the medical expenses that the customer should pay to the medical institution is If it is not confirmed, it is preferable that the salary / non-salary standard medical insurance integrated operation service according to the present invention is not provided.

On the other hand, the information corresponding to the non-benefit-based medical insurance item of the medical expenses that the customer is required to pay to the medical institution is input (or the amount of the non-payment-based medical insurance settlement amount (or the insurance payment amount) through the information verification unit 3660). When the information is received, the information acquiring unit 3655 may receive a predetermined card from the card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 3610. Characterized by reading the information.

At this time, the information checking unit 3660 is a debit card payment means and / or prepaid card payment means and / or credit card payment to the card information obtained by the information acquisition unit 3565 through the card reader 3610 It is characterized by checking whether payment means information corresponding to at least one payment means among the means is included.

If at least one or more payment means information is not confirmed in the card information through the information checking unit 3660, the salary / non-payroll standard medical insurance integrated operation service according to the present invention is based on the salary-based medical insurance payment amount and non-payroll standard medical care. Salary / non-payment based medical insurance integrated operation service for insurance settlement amount is provided, and the customer contribution is settled through at least one payment method of the debit card payment method and / or prepaid card payment method and / or credit card payment method. It is preferable not to provide a salary / non-salary standard medical insurance integrated operation service characterized by processing.

On the other hand, if at least one or more payment means information is confirmed in the card information through the information verification unit 3660, the integrated salary / non-payment based medical insurance service according to the present invention is based on the amount of payment and non-payment based medical insurance Integrating salary / non-payroll based health insurance, the settlement amount and the customer contribution settlement amount are settled through at least one of the debit card payment method and / or the prepaid card payment method and / or the credit card payment method. Characterized in that the operation service is provided.

In addition, the information acquisition unit (3655) is characterized in that to extract and obtain the medical institution information that provides the medical service to the customer from the memory unit.

In addition, the information acquisition unit 3565 may receive predetermined disease code (or prescription code) information from the key input unit 3610, and / or a cable communication unit and / or a short range wireless communication unit of the communication processing unit 3630. It is characterized in that by receiving the predetermined disease code (or prescription code) information from the terminal (or device) used by the doctor (or nurse) of the medical institution.

In addition, the information acquisition unit 3565 reads predetermined debit payment information from a card issued to the customer through the card issuing system shown in FIGS. 1 and / or 8 through the card reader unit 3610. It is characterized by obtaining.

In addition, the information acquisition unit 3555 may receive a predetermined debit payment amount (for example, a customer charge to be finally paid to the medical institution) by the key input unit 3610, and / or an information acquisition unit ( 3655), a predetermined non-payment based medical insurance settlement amount (or insurance payment amount) is obtained from the non-payment based medical insurance settlement amount (or insurance payment amount). And to calculate and obtain the customer contribution to be paid in the end.

The full text generation unit 1545 and 3655 may include the card information, the non-payment based medical insurance settlement amount (or insurance payment amount), medical institution information, and disease code (or prescription code) information obtained through the information acquisition unit 3565. Characterized in that the insurance approval request full text including at least one, characterized in that the preferred embodiment for the insurance approval request full text will be described in detail with reference to FIG.

As a result of confirming by the information confirming unit 3660, when the debit card payment means information is included in the card information, the preferred embodiment of the insurance approval request text generated by the information generating units 125 and 3655 is generated. Will be described in detail with reference to FIG.

When the insurance approval request full text is generated through the full text generation unit 1545 and 3665, the full text transmission unit 1515 and 3670 transmits the insurance approval request full text through the network communication unit of the communication processing unit 3630. The salary / non-salary standard medical insurance integrated operating server 1500, and then the professional receiving unit 1505, 3675, the salary / non-salary standard medical insurance integrated through the network communication unit of the communication processing unit 3630 The insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the operation server 1500.

If the insurance approval message including the insurance processing details corresponding to the insurance approval request message is received from the salary / non-salary standard medical insurance integrated operation server 1500 through the network communication unit of the communication processor 3630, the specialized receiver 1505 and 3675 provide the received insurance approval text to the specialized processor 3680.

The expert processing unit 3680 extracts an insurance processing history including any one of insurance approval details or insurance error details from the insurance approval text, and outputs the insurance processing details through the screen output unit 3615, or And / or print output through the print output unit 3640.

In addition, the professional processing unit 3680 may include the insurance processing details corresponding to the insurance approval details in the insurance approval text, through the information obtaining unit 3565 through the full text generation units 1545 and 3655. Generate a predetermined direct debit authorization request text including the obtained debit payment information and the debit payment amount.

Thereafter, the specialized transmission unit 1515 and 3670 transmits the generated direct debit authorization request message to the debit payment information through the network means (and / or communication means) through the network communication unit of the communication processing unit 3630. Transfer to a corresponding financial system (e.g., a financial system in which a direct debit account is opened), and then the professional receiving unit 1505 and 3475 are authorized to debit from the financial system through a network communication unit of the communication processing unit 3630. The debit authorization, which includes the debit processing details corresponding to the request text, will be queued.

If the debit authorization message including the debit payment history corresponding to the debit authorization request message is received from the financial system through the network communication unit of the communication processor 3630, the specialized receiver 1505 and 3757 are received. The received direct debit authorization is provided to the expert processing unit 3680.

The professional processing unit 3680 extracts the direct debit processing details including any of the direct debit approval details or the debit payment error details from the direct debit authorization, and displays the debit payment details on the screen output section 3615. It is characterized in that the output through the screen, and / or through the print output unit 3640 to print out.

37 is a diagram illustrating the insurance approval request full text structure according to another embodiment of the present invention.

In more detail, FIG. 37 illustrates a structure of an insurance approval request specialized structure transmitted from a predetermined insurance processing terminal 1570 shown in FIG. 36 to a salary / non-paid standard medical insurance integrated operation server 1500 through a predetermined network means. As one exemplary embodiment, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 37 to implement various implementation methods for the insurance approval request structure according to the intention to those skilled in the art. It may be inferred, but the present invention encompasses all the inferred implementation methods, and the insurance approval request structure is not limited to that illustrated in FIG.

Referring to FIG. 37, the insurance approval request full text structure includes at least one or more specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), After the terminating character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information.

The insurance approval request text includes a transaction category (eg, medical insurance integrated settlement request, medical insurance integrated settlement cancellation, etc.) related to the medical insurance integrated settlement processing, and a terminal_ID corresponding to the insurance processing terminal 1570 provided in the medical institution. An item, an information input mode item, and card information (eg, financial institution information, insurance company information, virtual account information, etc.) obtained from a predetermined card through a card reader provided in the insurance processing terminal 1570. After the prescribed FS (File Separator, 0X1C), the salary-based medical insurance settlement amount (or insurance payment amount) item, the non-payment-based medical insurance settlement amount (or insurance payment amount) item, and the client Please check the customer owing item, working key index item, password item, disease code (or prescription code) information item and document serial number item. It is made to include.

Here, the Terminal_ID item is an information item corresponding to the medical institution information, and the salary / non-salary standard medical insurance integrated operation server 1500 and / or the insurance company server 1530 are the insurance processing terminal 1570 through the Terminal_ID item. The provided medical institution can be confirmed, and a medical institution account corresponding to the medical institution can be confirmed.

According to another exemplary embodiment of the present invention, the insurance approval request message may further include at least one medical institution information item (eg, medical institution name, medical institution account number, etc.) that can intuitively recognize the medical institution in addition to the Terminal_ID item. The present invention is not limited thereby.

In addition, the information input mode item is information for confirming whether information included in the insurance approval request text is received from a doctor (or nurse) terminal provided in the medical institution, or input through a predetermined key input.

The card information item is card information read from a card issued to the customer through the card issuing system shown in FIG. 1 and includes virtual account information, financial institution information, and insurance company information. If predetermined card information is read from the card issued to the customer through the card issuing system shown in FIG. 8, the card information may include a predetermined card number, thereby limiting the present invention. No.

The salary-based medical insurance settlement amount (or insurance payment amount) item includes an amount to be settled by the National Medical Insurance Corporation out of the total medical expenses to be paid to the medical institution by the customer, and the non-payment-based medical insurance An insurance settlement amount (or an insurance payment amount) item includes an amount to be settled through the private medical insurance of the total medical expenses that the customer is required to pay to the medical institution, and the customer contribution item is settled in the medical insurance integrated settlement. After the treatment, the customer pays the amount of the customer fee to be finally paid to the medical institution.

The disease code (or prescription code) information item may include at least one disease code (or prescription code) information corresponding to the counterpart of providing medical services to the customer by the medical institution, and the disease code (or Prescription code) information preferably comprises code information that can be confirmed by the insurance company that finally receives the full insurance approval request.

In addition, the document serial number item is information for managing the full insurance approval request, and includes a unique number assigned so as not to be duplicated in the insurance processing terminal (1570).

Those skilled in the art to which the present invention pertains, the insurance processing terminal 1570 for the direct payment processing, and / or prepayment processing, and / or credit payment processing of the amount corresponding to the customer burden Since you will be familiar with the full payment approval request, detailed description thereof will be omitted for convenience.

38 is a diagram illustrating a process for requesting integrated settlement of medical expenses according to an embodiment of the present invention.

In more detail, FIG. 38 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 1 after a predetermined customer is provided with medical services at a predetermined medical institution. In the case of the total medical expenses corresponding to the medical service, in addition to the medical expenses settled by the National Health Insurance Corporation to the medical institution in response to the medical insurance card, some of the customer contributions are included in the salary / non-salary standard medical insurance shown in FIG. It is a process for requesting the integrated settlement processing through an integrated operation system, and after the medical insurance integrated settlement processing to process the customer charges to be paid to the medical institution by direct payment, in the technical field to which the present invention belongs. Those skilled in the art can refer to and / or modify this drawing 38 to Various implementation methods for requesting integrated settlement of medical expenses may be inferred, but the present invention includes all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to implement a method of payment processing of the customer charge through prepayment and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In the drawing 38, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Before the client receives (or provides) at least one or more medical services by visiting a predetermined medical institution with a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. After receiving), present the medical insurance card and the card.

Referring to FIG. 38, the terminal having the functional configuration shown in FIG. 36 performs an integrated settlement process through the salary / non-salary standard medical insurance integrated operation system shown in FIG. To input the salary / non-payment standard medical insurance settlement amount and / or disease code (or prescription code) information through a predetermined key input means, and / or the disease code (or prescription) from a predetermined doctor (or nurse) terminal. Code) information and / or salary / non-payment based medical insurance settlement amount information, and the non-payment based medical insurance settlement amount (or non-payment of medical expenses that the customer is required to pay to the medical institution) in the input (or received) information. Information corresponding to the standard medical insurance item) is included (3800).

If the information input (or received) does not include the non-payment based medical insurance settlement amount (or information corresponding to the non-paying based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) (3802), The terminal waits until the non-wage-based medical insurance settlement amount (or information corresponding to the non-wage-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is input (or received), and the non-wage-based medical insurance If the settlement amount (or information corresponding to the non-paid medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is not input (or received), the salary / non-paid medical insurance integrated operation service according to the present invention is provided. It doesn't work.

On the other hand, if the input (or received) information includes the non-payment-based medical insurance settlement amount (or information corresponding to the non-payment-based medical insurance items among the medical expenses that the customer should pay to the medical institution) (3802), the terminal Reads at least one or more card information from the card issued to the customer through a predetermined card reader, and at least one or more payments for processing the payment of the customer fee among the medical expenses that the customer should pay to the medical institution in the card information. Check whether the means information is included (3804).

If the card information does not include any payment means information for payment of the customer contribution (3806), the terminal performs a medical insurance integrated settlement processing procedure (not shown) that does not include a procedure for integrated settlement of the customer contribution. Perform (3808).

On the other hand, if the card information includes predetermined debit card payment means information for payment of customer charges (3806), the terminal extracts the medical institution information from the memory and generates a predetermined slip serial number (3810). And generate the insurance approval request text as shown in FIG. 37, including the card information, the salary / non-pay based medical insurance settlement amount (or insurance payment amount), disease code (or prescription code) information, medical institution information, and the document serial number. In operation 3815, the generated insurance approval request message is transmitted to the salary / non-payment standard medical insurance integrated operation server 1500 through a predetermined network means.

The salary / non-salary standard medical insurance integrated operation server 1500 receiving the insurance approval request text from the terminal extracts card information included in the insurance approval request text, and the insurance management information D / By inquiring B 1525, the insurance company server 1530 which relays the full insurance approval request message is checked (3825).

If the insurance company server 1530 which relays the full insurance approval request is not confirmed (3830), the salary / non-payroll standard medical insurance integrated operation server 1500 may include insurance information including unconfirmed error information of a predetermined insurance company server 1530. Generate an approval telegram (3835), transmit the insurance approval telegram to the terminal through the network means (3840), and stop the medical insurance integrated settlement processing process.

On the other hand, when the insurance company server 1530 which relays the insurance approval request text is confirmed (3830), the salary / non-payroll standard medical insurance integrated operation server 1500 is connected to the confirmed insurance company server 1530 through a predetermined communication means. The entire insurance approval request is relayed and transmitted (3845).

39 is a diagram illustrating a process of approving integrated settlement processing of medical expenses according to one embodiment of the present invention.

In more detail, in FIG. 39, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 38 is the insurance company server through the predetermined salary / non-salary standard medical insurance integrated operation server 1500. If received at 1530, the insurance company server (1530) for the process of the approval process for the full insurance approval request, if the person of ordinary skill in the art to which the present invention belongs, refer to this figure 39 And / or may be modified to infer various implementation methods for approving the integrated settlement of medical expenses, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG. .

For example, in the implementation method shown in FIG. 39, the insurance company server 1530 performs a predetermined non-paid medical insurance approval procedure, and is connected to a predetermined financial system to settle the salary / non-paid medical insurance amount (or insurance payment amount). After performing the settlement procedure for), the insurance approval text corresponding to the insurance approval request text is generated and described to be transmitted to the salary / non-paid medical insurance integrated operation server 1500. It is by no means limited, after performing the non-wage medical insurance approval procedure in the insurance company server 1530, generates a predetermined insurance approval message and transmits to the salary / non-payment standard medical insurance integrated operation server 1500, In connection with the financial system, the settlement procedure for the above-mentioned salary / non-salary-based medical insurance settlement amount (or insurance payment amount) is performed. But may.

Referring to FIG. 39, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 38 is transferred to the insurance company server through the predetermined salary / non-salary standard medical insurance integrated operation server 1500. 1530, the insurance company server 1530 extracts the card information and the disease code (or prescription code) information from the received insurance approval request text for approval of the non-paid medical insurance settlement (3905). By checking the insurance approval information D / B 1565 through the card information extracted from the insurance approval request text, it is checked whether the customer who is issued the card with the card information read is a non-paid medical insurance customer of the insurance company. (3910).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered a non-paid medical insurance customer of the insurer.

If the card information check result is that the customer who issued the card with the card information read is not a non-paid medical insurance customer of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (3915), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (3920), the insurance including the insurance treatment details The approval text is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (3955).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is a non-paid medical insurance customer (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message 339, the insurance company server 1530 stores the insurance approval information D / B 1565 through the disease code (or prescription code) information extracted from the insurance approval request text. By checking the disease code (or prescription code) information included in the insurance product information linked to the card information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is covered by the non-paid medical insurance; (3925).

If the client is not subject to the non-paid medical insurance covered by the medical service provided from the medical institution (3930), the insurance company server 1530 generates an insurance processing history including a predetermined insurance error history ( 3920), an insurance approval text including the insurance treatment details is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (3955).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the non-paid medical insurance (3930), the insurance company server (1530) is the card information and salary / non-payment criteria from the received insurance approval request message Information for medical insurance integrated settlement processing including medical insurance settlement amount (or insurance payment amount) and medical institution information is extracted (3935).

According to the implementation method of the present invention, the salary-based medical insurance settlement amount of the information for the health insurance integrated settlement processing is used by the National Health Insurance Corporation to settle the salary-based medical insurance payments, the customer contribution settlement amount is the Used to process customer charges as debit.

Subsequently, the insurance company server 1530 connects to the financial system corresponding to the financial institution information included in the card information, and the virtual account number included in the card information and the non-payment based medical insurance settlement amount (or insurance payment amount) and The settlement process is performed on the non-benefit basis medical insurance settlement amount (or insurance payment amount) through the medical institution information (3940).

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. After withdrawing the non-payment standard medical insurance payment amount (or insurance payment amount) from the insurer's account and depositing it into the financial institution mother account, the customer virtual account number and the medical institution information are provided to the financial system. The system transfers the non-wage-based medical insurance settlement amount (or insurance payment amount) transferred from the financial institution mother account to the customer virtual account, and then settles the salary / non-wage-based medical insurance payment to the customer virtual account. Link the amount (or benefit amount) information with the medical institution information The.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in association with the medical insurance integrated management agency mother account, the insurance company server 1530 is the financial system And withdraw the non-wage standard medical insurance settlement amount (or insurance payment amount) from the insurer account and deposit it into the mother insurance account of the integrated health insurance management institution, and provide the customer virtual account number and the medical institution information to the financial system. In response, the financial system transfers the non-benefit-based medical insurance settlement amount (or insurance payment amount), which is deposited into the mother insurance account of the integrated health insurance management institution, from the mother insurance account to the customer virtual account, The salary / non-salary standard medical insurance settlement amount in the customer virtual account (Or insurance payments) information and the medical information processing association.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. After transferring (or depositing) the non-benefit based medical insurance settlement amount (or insurance payment amount) from the insurance company mother account to the customer virtual account, the customer virtual account number and the medical institution information are provided to the financial system. Thus, the financial system links and processes the salary / non-salary-based medical insurance settlement amount (or insurance payment amount) information and the medical institution information to the customer virtual account.

If settlement of the non-benefit based medical insurance settlement amount (or insurance payment amount) is completed (3945), the insurance company server 1530 is linked with the financial system, the non-benefit based medical insurance settlement amount (or insurance payment amount) Generate insurance processing details including insurance approval details corresponding to the settlement processing result of the operation (3950), and generate an insurance approval text including the insurance processing details to the salary / non-payment standard medical insurance integrated operation server 1500 Transmit (3955).

40 is a diagram illustrating a customer direct debit payment process of the insurance processing terminal 1570 according to an embodiment of the present invention.

More specifically, FIG. 40 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 39, and generates an insurance approval text including a predetermined insurance treatment history. When the salary / non-salary standard medical insurance integrated management server 1500 is transmitted, the salary / non-salary standard medical insurance integrated management server 1500 relays the insurance approval message to the insurance processing terminal 1570, and relays A process of debiting a customer's burden to be paid by the customer to the medical institution by using a direct debit information read from the customer card in FIG. 38 in the server, and the general knowledge in the technical field to which the present invention belongs. If you have, you can infer a variety of implementation methods for direct debit of the customer charge by referring to and / or modifying this figure 40 It should be noted that the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 35 to implement a method of processing the payment of the customer fee through prepaid and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In the drawing 40, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Referring to FIG. 40, through the process shown in FIG. 39, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When the salary / non-salary standard medical insurance integrated operation server 1500 is transmitted, the salary / non-salary standard medical insurance integrated operation server 1500 is received by the insurance approval message transmitted from the insurance company server 1530 (4000). And relaying the received insurance approval message to the terminal provided in the medical institution through the network means (4005), and correspondingly, the terminal receives the insurance from the salary / non-salary standard medical insurance integrated operation server 1500. Receiving the approval text (4010), and reads the insurance processing history included in the received insurance approval message by the insurance company server 1530 consolidates the medical insurance Make sure that the acid treatment has been approved (4015).

If the medical insurance integrated settlement process is not approved in the insurance company server 1530 (eg, if the insurance process details include insurance error details) (4020), the terminal provides the insurance error details to the terminal. The screen is output to a predetermined screen, and / or is printed out to a predetermined printing apparatus provided in the terminal (4025).

On the other hand, if the health insurance integrated settlement processing is approved in the insurance company server 1530 (eg, if insurance coverage is included in the insurance approval details) (4020), the terminal debit information read from the customer card (for example, Generate a full debit authorization request message including the debit payment account and the information of the financial institution where the debit payment account is opened), the debit payment amount (for example, the customer's deductible), and the medical institution information and the predetermined document serial number (4030); The generated direct debit authorization request text is transmitted to the financial system corresponding to the debit payment information (for example, a financial system provided in a financial institution in which a direct debit account is opened) through the network means (4035).

41 is a diagram illustrating a customer direct debit payment process of the financial system according to an embodiment of the present invention.

In more detail, the drawing 41 is a predetermined debit authorization request specialist for the debit payment processing for the customer charges to be finally paid by the customer from the insurance processing terminal 1570 to the medical institution through the process shown in Figure 40 When transmitted, the process of receiving the direct debit authorization request in a predetermined financial system and processing the direct debit payment, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing. It will be possible to infer various implementation methods for direct debit processing of the customer charge, but the present invention includes all the implementation methods inferred, and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 35 to implement a method of processing the payment of the customer fee through prepaid and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In the drawing 41, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Referring to FIG. 41, a predetermined debit authorization request message is transmitted from the insurance processing terminal 1570 through the process shown in FIG. 40 for the direct debit processing for the customer's payment to the medical institution. If the financial system receives the full payment authorization request message through the network means (4100), the debit payment information (eg, a direct payment account and a direct debit account is opened from the direct payment authorization request message). Information), the debit amount and the medical institution information is extracted (4105), and through the debit information and the debit amount to determine the validity of the debit payment (4110).

According to the implementation method of the present invention, the debit validity check includes a process of confirming that an amount for processing the debit payment amount is deposited in the debit account included in the debit information in the financial system. It is preferable to make.

If the validity of the debit payment is not authenticated (e.g., if the debit account does not have a deposit amount for processing the debit amount) (4115), the financial system includes a predetermined debit error history. Generate a debit payment history (4120), generate a direct debit authorization including the debit payment history (4140), and transmit the debit authorization to the terminal provided in the medical institution through the network means; (4145).

On the other hand, if the validity of the debit payment is authenticated (e.g., if the debit account has a deposit amount that can settle the debit amount) (4115), the financial system performs a debit payment procedure for the debit amount. Perform (4125).

According to the implementation method of the present invention, the debit payment procedure is to withdraw the debit payment amount from the debit account of the customer in the financial system to include in the medical institution account (for example, the insurance approval full text (or insurance approval request full text)) It is preferable to include a procedure for depositing the money into or from the DBMS in the financial system.

If the debit payment process is completed (4130), the financial system generates a debit processing history including the debit authorization details corresponding to the debit payment result (4135), the debit including the debit processing history A payment approval message is generated (4140), and the direct debit approval message is relayed and transmitted to the terminal provided in the medical institution through the network means (4145).

42 is a view showing a process of processing the integrated treatment result of medical expenses according to an embodiment of the present invention.

In more detail, FIG. 42 shows the full insurance approval request message including the insurance treatment details from the salary / non-salary standard medical insurance integrated operation server 1500, and the direct debit authorization text including the debit payment details from the financial system. Is received, the process of reading and processing the insurance approval full text and / or direct debit authorization full text in the insurance processing terminal 1570, if the person of ordinary skill in the art to which the present invention belongs, this figure By referring to and / or modifying 42, various implementation methods for processing the integrated treatment result of the medical cost may be inferred, but the present invention includes all of the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited by.

In the drawing 42, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Referring to FIG. 42, when a direct debit authorization message including a debit payment history is received from the financial system through the process illustrated in FIG. 41 (4200), the terminal receives and reads the debit authorization message. By extracting a predetermined debit processing history from the full debit authorization (4205), and reading the extracted debit processing history, the debit authorization or debit payment history for the debit amount is confirmed (4210). ).

If the check result of the debit payment error for the customer charge is confirmed (for example, if the debit payment for the customer charge is not approved) (4215), the terminal is the insurance approval details and debit payment error history The screen is output to a predetermined screen provided in the print screen and / or printed out to a predetermined printing device provided in the terminal (4220).

On the other hand, if the debit payment approval details of the customer charges are confirmed (eg, if the direct debit payment for the customer charges is approved) (4215), the terminal sends the insurance approval details and the debit payment details to the terminal. The screen is output to a predetermined screen provided and / or printed out to a predetermined printing apparatus provided in the terminal (4225).

43 is a diagram illustrating a process for requesting integrated settlement of medical expenses according to another embodiment of the present invention.

More specifically, FIG. 43 shows a medical insurance card issued by the National Health Insurance Corporation and a card issued through the card issuing system shown in FIG. 8 after a predetermined customer is provided with a medical service at a predetermined medical institution. In the case of the total medical expenses corresponding to the medical service, in addition to the medical expenses set by the National Health Insurance Corporation to the medical institution in response to the medical insurance card, some of the customer contributions are included in the salary / non-salary standard medical insurance shown in FIG. 35. It is a process for requesting the integrated settlement processing through an integrated operation system, and after the medical insurance integrated settlement processing to process the customer charges to be paid to the medical institution by direct payment, in the technical field to which the present invention belongs. Those skilled in the art can refer to and / or modify this drawing 43 to Various implementation methods for requesting integrated settlement of medical expenses may be inferred, but the present invention includes all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to implement a method of payment processing of the customer charge through prepayment and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In the drawing 43, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Before the client receives (or provides) at least one or more medical services by visiting a predetermined medical institution with a medical insurance card issued by the National Medical Insurance Corporation and a card issued through the card issuing system shown in FIG. After receiving), present the medical insurance card and the card.

Referring to FIG. 43, the terminal having the functional configuration shown in FIG. 36 performs an integrated settlement process through the salary / non-pay-based medical insurance integrated operation system shown in FIG. To input the salary / non-payment standard medical insurance settlement amount and / or disease code (or prescription code) information through a predetermined key input means, and / or the disease code (or prescription) from a predetermined doctor (or nurse) terminal. Code) information and / or salary / non-payment based medical insurance settlement amount information, and the non-payment based medical insurance settlement amount (or non-payment of medical expenses that the customer is required to pay to the medical institution) in the input (or received) information. Information corresponding to the standard medical insurance item) is included (4300).

If the input (or received) information does not include the non-payment standard medical insurance settlement amount (or information corresponding to the non-payment based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) (4302), The terminal waits until the non-wage-based medical insurance settlement amount (or information corresponding to the non-wage-based medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is input (or received), and the non-wage-based medical insurance If the settlement amount (or information corresponding to the non-paid medical insurance item among the medical expenses that the customer is required to pay to the medical institution) is not input (or received), the salary / non-paid medical insurance integrated operation service according to the present invention is provided. It doesn't work.

On the contrary, if the input (or received) information includes the non-payment standard medical insurance settlement amount (or information corresponding to the non-payment based medical insurance item among the medical expenses that the customer should pay to the medical institution) (4302), the terminal Reads at least one or more card information from the card issued to the customer through a predetermined card reader, and at least one or more payments for processing the payment of the customer fee among the medical expenses that the customer should pay to the medical institution in the card information. Check whether the means information is included (4304).

If the card information does not include any payment means information for the payment of the customer contribution (4306), the terminal performs a medical insurance integrated settlement processing procedure (not shown) that does not include a procedure for integrated settlement of the customer contribution. Perform (4308).

On the other hand, if the card information includes predetermined debit card payment means information for payment of customer fees (4306), the terminal extracts the medical institution information from the memory and generates a predetermined journal serial number (4310). And generate the insurance approval request text as shown in FIG. 37, including the card information, the salary / non-pay based medical insurance settlement amount (or insurance payment amount), disease code (or prescription code) information, medical institution information, and the document serial number. In operation 4320, the generated insurance approval request message is transmitted to the salary / non-payment standard medical insurance integrated operation server 1500 through a predetermined network means (4320).

The salary / non-salary standard medical insurance integrated operation server 1500 receiving the insurance approval request message from the terminal extracts card information included in the insurance approval request message, and the insurance management information D / B through the card information. By inquiring (1525), the insurance company server 1530 which relays the full insurance approval request message is checked (4325).

If the insurance company server 1530 which relays the full insurance approval request is not confirmed (4330), the salary / non-payroll standard medical insurance integrated operation server 1500 may include insurance information including unconfirmed error information of a predetermined insurance company server 1530. Generate the approval full text (4335), and transmits the insurance approval full text to the terminal via the network means (4340), and stops the medical insurance integrated settlement process.

On the other hand, if the insurance company server 1530 which relays the insurance approval request text is confirmed (4330), the salary / non-payment standard medical insurance integrated operation server 1500 to the confirmed insurance company server 1530 through a predetermined communication means The entire insurance approval request is relayed and transmitted (4345).

44 is a diagram illustrating a process of approving the integrated settlement of medical expenses according to another embodiment of the present invention.

In more detail, FIG. 44 shows the insurance company server through the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the salary / non-salary standard medical insurance integrated operation server 1500 through the process shown in FIG. 43. If received at 1530, the insurance company server (1530) for the process of the approval process for the full insurance approval request, if the person of ordinary skill in the art to which the present invention pertains, see FIG. Alternatively, the invention may be inferred by various implementation methods for approving the integrated settlement processing of medical expenses, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 44, the insurance company server 1530 executes a predetermined non-paid medical insurance approval procedure, and establishes the salary / non-paid medical insurance settlement amount (or insurance payment amount) in connection with a predetermined financial system. After performing the settlement procedure for), the insurance approval text corresponding to the insurance approval request text is generated and described to be transmitted to the salary / non-paid medical insurance integrated operation server 1500. It is by no means limited, after performing the non-wage medical insurance approval procedure in the insurance company server 1530, generates a predetermined insurance approval message and transmits to the salary / non-payment standard medical insurance integrated operation server 1500, In connection with the financial system, the settlement procedure for the above-mentioned salary / non-salary-based medical insurance settlement amount (or insurance payment amount) is performed. But may.

Referring to FIG. 44, the insurance approval request text generated in the predetermined insurance processing terminal 1570 through the process shown in FIG. 43 is transferred to the insurance company server through the predetermined salary / non-salary standard medical insurance integrated operation server 1500. 1530, the insurance company server 1530 extracts the card information and the disease code (or prescription code) information from the received insurance approval request text for approval of the non-paid medical insurance settlement (4405). By checking the insurance approval information D / B 1565 through the card information extracted from the insurance approval request text, it is checked whether the customer who is issued the card with the card information read is a non-paid medical insurance customer of the insurance company ( 4410).

According to the method of the present invention, if predetermined insurance card information matching the extracted card information is stored in the insurance approval information D / B 1565 provided to the insurance company, the card information is issued. The customer is considered a non-paid medical insurance customer of the insurer.

If the card information check result is that the customer who issued the card with the card information read is not a non-paid medical insurance customer of the insurance company (for example, the insurance approval information D / B 1565) extracted from the insurance approval request message. If the card information matching the card information is not stored) (4415), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history (4420), the insurance including the insurance treatment details The approval text is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (4460).

On the other hand, if the customer who received the card with the card information read as a result of checking the card information is a non-paid medical insurance member of the insurance company (for example, the insurance approval information D / B 1565), the card extracted from the insurance approval request text message. If the card information matching the information is stored) (4415), the insurance company server 1530 is the insurance approval information D / B (1565) through the disease code (or prescription code) information extracted from the full insurance approval request; By checking the disease code (or prescription code) information included in the insurance product information linked to the card information, the customer checks whether the disease corresponding to the medical service provided from the medical institution is covered by the non-paid medical insurance; (4425).

If the client is not covered by the non-paid medical insurance, the disease corresponding to the medical service provided from the medical institution (4430), the insurance company server 1530 generates an insurance treatment history including a predetermined insurance error history ( In operation 4420, an insurance approval text including the insurance treatment details is generated and transmitted to the salary / non-salary standard medical insurance integrated operation server 1500 (4460).

On the other hand, if the disease corresponding to the medical service provided by the client from the medical institution is subject to the non-paid medical insurance (4430), the insurance company server 1530 may receive the card information and salary / paid criteria from the received insurance approval request text. Information for medical insurance integrated settlement processing including medical insurance settlement amount (or insurance payment amount) and medical institution information is extracted (4435).

According to the implementation method of the present invention, the salary-based medical insurance settlement amount of the information for the health insurance integrated settlement processing is used by the National Health Insurance Corporation to settle the salary-based medical insurance payments, the customer contribution settlement amount is the Used to process customer charges as debit.

Here, the card information is a card number (or customer ID information, or customer social security number) provided on the card issued through the card issuing system shown in FIG. 8, and the insurance approval information D / B 1565 includes the card. Predetermined virtual account information (e.g., a customer virtual account number and information on a financial institution in which the virtual account is opened, shown in FIG. 35 for convenience) is stored.

Accordingly, the insurance company server 1530 extracts the virtual account information (for example, the customer virtual account number and the financial institution information on which the virtual account is opened) matching the card information from the insurance approval information D / B 1565. In operation 4440, the virtual account number included in the virtual account information, the non-payment based medical insurance settlement amount (or the insurance payment amount), and the medical institution information are linked to a financial system corresponding to the financial institution information included in the virtual account information. In operation 4445, a settlement processing procedure for the non-benefit-based medical insurance settlement amount (or insurance payment amount) is performed.

According to an exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the financial institution mother account, the insurance company server 1530 is connected with the financial system. After withdrawing the non-payment standard medical insurance payment amount (or insurance payment amount) from the insurer's account and depositing it into the financial institution mother account, the customer virtual account number and the medical institution information are provided to the financial system. The system transfers the non-wage-based medical insurance settlement amount (or insurance payment amount) transferred from the financial institution mother account to the customer virtual account, and then settles the salary / non-wage-based medical insurance payment to the customer virtual account. Link the amount (or benefit amount) information with the medical institution information The.

According to another embodiment of the present invention, when the customer virtual account included in the card information extracted from the full insurance approval request is processed in association with the medical insurance integrated management agency mother account, the insurance company server 1530 is the financial system And withdraw the non-wage standard medical insurance settlement amount (or insurance payment amount) from the insurer account and deposit it into the mother insurance account of the integrated health insurance management institution, and provide the customer virtual account number and the medical institution information to the financial system. In response, the financial system transfers the non-benefit-based medical insurance settlement amount (or insurance payment amount), which is deposited into the mother's account of the integrated medical insurance management institution, to the customer virtual account from the mother's account of the integrated medical insurance management institution. The payment of medical insurance payment based on the salary / non-payment to the virtual account of the customer The amount (or insurance payment amount) information is linked to the medical institution information.

According to another exemplary embodiment of the present invention, when the customer virtual account included in the card information extracted from the insurance approval request text is processed in association with the insurance company mother account, the insurance company server 1530 is connected with the financial system. After transferring (or depositing) the non-benefit based medical insurance settlement amount (or insurance payment amount) from the insurance company mother account to the customer virtual account, the customer virtual account number and the medical institution information are provided to the financial system. Thus, the financial system links and processes the salary / non-salary-based medical insurance settlement amount (or insurance payment amount) information and the medical institution information to the customer virtual account.

If settlement of the non-benefit-based medical insurance settlement amount (or insurance payment amount) is completed (4450), the insurance company server 1530 is linked with the financial system to settle the non-benefit-based medical insurance settlement amount (or insurance payment amount). Generate an insurance processing history including insurance approval details corresponding to the settlement processing result of the operation (4455), and generate an insurance approval text including the insurance processing history to the salary / non-payment standard medical insurance integrated operation server (1500) And transmit (4460).

45 is a diagram illustrating a customer direct debit payment process of the insurance processing terminal 1570 according to another embodiment of the present invention.

More specifically, FIG. 45 performs an insurance approval procedure corresponding to the insurance approval request text in the insurance company server 1530 through the process shown in FIG. 44, and generates an insurance approval text including predetermined insurance treatment details. When the salary / non-salary standard medical insurance integrated management server 1500 is transmitted, the salary / non-salary standard medical insurance integrated management server 1500 relays the insurance approval message to the insurance processing terminal 1570, and relays A process of debiting a customer charge to be paid by the customer to the medical institution by using a direct debit information read from the customer card in FIG. 43 in the server, and the general knowledge in the technical field to which the present invention belongs. If you have, you can infer a variety of implementation methods for direct debit of the customer charge by referring to and / or modified in this figure 45 Number would be, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 45.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 35 to implement a method of processing the payment of the customer fee through prepaid and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In the drawing 45, the insurance processing terminal 1570 shown in the drawing 35 and / or drawing 36 is referred to as " terminal " for convenience.

Referring to FIG. 45, through the process shown in FIG. 44, the insurance company server 1530 performs an insurance approval procedure corresponding to the insurance approval request text and generates an insurance approval text including a predetermined insurance treatment history. When the salary / non-salary standard medical insurance integrated operation server 1500 is transmitted, the salary / non-salary standard medical insurance integrated operation server 1500 is received by the insurance approval message transmitted from the insurance company server 1530 (4500). The terminal transmits the received insurance approval message to the terminal provided in the medical institution through the network means (4505), and in response thereto, the terminal receives the insurance approval from the salary / non-salary standard medical insurance integrated operation server 1500. Receives the full text (4510), and reads the insurance processing history included in the received insurance approval full text in the insurance company server 1530 integrated health insurance Check that the acid treatment is approved (4515).

If the medical insurance integrated settlement process is not approved in the insurance company server 1530 (eg, if the insurance process details include insurance error details) (4520), the terminal provides the insurance error history to the terminal. The screen is output to a predetermined screen, and / or printed out to a predetermined printing device provided in the terminal (4525).

On the other hand, if the medical insurance integrated settlement processing is approved in the insurance company server 1530 (eg, if insurance details are included in the insurance approval details) (4520), the terminal reads the direct debit information read from the customer card (eg, Generate a direct debit authorization request message (4530) that includes a direct debit account and information on the financial institution in which the direct debit account was opened), the debit amount (eg, customer contribution), and the medical institution information and the predetermined document serial number (4530); The generated direct debit authorization request message is transmitted to the financial system corresponding to the debit payment information (for example, a financial system provided in a financial institution in which a direct debit account is opened) through the network means (4535).

46 is a view showing a customer direct debit payment process of the financial system according to another embodiment of the present invention.

More specifically, the drawing 46 is a predetermined debit authorization request specialist for the debit payment processing for the customer charges that the customer should pay the final payment to the medical institution from the insurance processing terminal 1570 through the process shown in the drawing 45 When transmitted, the process of receiving the direct debit authorization request from the predetermined financial system and processing the direct debit payment, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 46. It will be possible to infer various implementation methods for direct debit processing of the customer burden, but the present invention includes all the implementation methods inferred, and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 35 to implement a method of processing the payment of the customer fee through prepaid and / or credit in addition to the direct debit. It may be inferred, but the present invention encompasses all of the inferred implementation methods.

In the drawing 46, the insurance processing terminal 1570 shown in Figs. 35 and / or 36 is referred to as " terminal " for convenience.

Referring to FIG. 46, through the process shown in FIG. 45, a predetermined prepayment approval request message is transmitted from the insurance processing terminal 1570 for the direct debit processing for the customer charges to be finally paid to the medical institution. When the financial system receives the full debit authorization request message through the network means (4600), the debit payment information (e.g., a debit account and a direct debit account opened) from the full debit authorization request message. Information), the debit payment amount and the medical institution information are extracted (4605), and the debit payment validity of the debit payment amount is confirmed through the debit information and the debit payment amount (4610).

According to the implementation method of the present invention, the debit validity check includes a process of confirming that an amount for processing the debit payment amount is deposited in the debit account included in the debit information in the financial system. It is preferable to make.

If the validity of the debit payment is not authenticated (e.g., if the debit account does not have a deposit amount that can settle the debit amount) (4615), the financial system includes a predetermined debit error history. Generate a direct debit payment history (4620), generate a direct debit authorization including the debit payment history (4640), and transmit the debit authorization to the terminal equipped in the medical institution through the network means; (4645).

On the other hand, if the validity of the debit payment is authenticated (e.g., if the debit account has a deposit amount that can settle the debit amount) (4615), the financial system may proceed with the debit payment procedure for the debit amount. Perform (4625).

According to the implementation method of the present invention, the debit payment procedure is to withdraw the debit payment amount from the debit account of the customer in the financial system to include in the medical institution account (for example, the insurance approval full text (or insurance approval request full text)) Or depositing from a DBMS in the financial system).

If the debit payment process is completed (4630), the financial system generates a debit processing history including the debit authorization details corresponding to the debit payment results (4635), the debit including the debit processing history A payment approval message is generated (4640), and the direct debit approval message is relayed and transmitted to the terminal provided in the medical institution through the network means (4645).

47 is a view showing a process of processing the integrated treatment result of medical expenses according to another embodiment of the present invention.

In more detail, Figure 47 shows a full insurance approval request message including insurance processing details is received from the salary / non-payment standard medical insurance integrated operation server 1500, and the direct debit authorization text including the debit payment history from the financial system Is received, the process of reading and processing the insurance approval full text and / or direct debit authorization full text in the insurance processing terminal 1570, if the person of ordinary skill in the art to which the present invention belongs, this figure By referring to and / or modifying 47, various implementation methods for processing the integrated treatment result of the medical cost may be inferred, but the present invention includes all of the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited by.

In the following Figure 47, the insurance processing terminal 1570 shown in Figures 35 and / or 36 is referred to as "terminal" for convenience.

Referring to FIG. 47, when a direct debit authorization message including a direct debit processing history is received from the financial system through the process illustrated in FIG. 46 (4700), the terminal receives and reads the debit authorization. By extracting a predetermined debit processing history from the full debit authorization (4705), and reading the extracted debit processing history, to confirm the debit authorization or debit error history for the debit amount (4710) ).

If the check result of the debit payment error history for the customer charge is confirmed (for example, if the debit payment for the customer charge is not approved) (4715), the terminal is the insurance approval details and debit payment error history The screen is output to a predetermined screen provided in the print screen and / or printed out to a predetermined printing device provided in the terminal (4720).

On the other hand, if the debit payment approval details of the customer charges are confirmed (for example, if debit payment for the customer charges is approved) (4715), the terminal sends the insurance approval details and the debit payment approval details to the terminal. The screen is output to a predetermined screen provided, and / or printed out to a predetermined printing apparatus provided in the terminal (4725).

48A, 48B, and 48C are diagrams illustrating a virtual account for automatic payment of medical expenses through integrated management of salary / non-salary standard medical insurance according to an embodiment of the present invention.

In more detail, FIGS. 48A, 48B, and 48C are shown in FIG. 15 and / or FIG. 24 and / or 35 as shown in FIG. 1 and / or FIG. When a predetermined salary / non-pay based medical insurance settlement amount (or insurance payment amount) is deposited into a customer virtual account corresponding to a card issued to at least one or more customers through the card issuing system shown in FIG. As an example of a virtual account structure for managing a salary / non-salary standard medical insurance settlement amount (or insurance payment amount) deposited from the insurer to the customer virtual account in the established financial system, specifically, FIG. The virtual account for integrated settlement processing of insurance and / or non-payment-based medical insurance and / or the customer contribution FIG. 48B shows a virtual account for integrated settlement processing of the pay-based medical insurance and / or the non-wage-based medical insurance and / or the customer contribution. 48C shows that the salary-based medical insurance and / or non-salary-based medical insurance and / or the customer's contribution are included in the non-salary-based medical insurance to which the customer subscribes. It is shown to be opened in conjunction with the corresponding insurance company parent account.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 48a, 48b, and 48c, and the salary / non-payment standard medical insurance settlement amount deposited from the insurance company to the customer virtual account ( Or various implementation methods for the virtual account structure for managing the insurance payment amount), but the present invention includes all of the inferred implementation methods, and is shown in FIGS. 48A, 48B, and 48C. It is not limited to the method.

Hereinafter, the salary / non-salary standard medical insurance settlement amount (or insurance payment amount) is referred to as "insurance payment amount" for convenience.

Referring to FIG. 48A, at least one customer virtual account in which the payment amount is deposited from an insurance company corresponding to the non-wage-based medical insurance to which the customer subscribes is processed in connection with the financial institution mother account. The virtual account is processed by the insurance company corresponding to the non-wage-based medical insurance subscribed to by the customer, the payment amount received from the customer virtual account and the medical institution information to which the payment amount is finally paid.

The insurance payment amount from the insurance company subscribed to by the customer through the integrated pay / non-paid medical insurance management system shown in FIGS. 15 and / or 24 and / or 35 to the customer virtual account linked to the financial institution mother account. By depositing, when the insurance payment amount and medical institution information are linked to the customer virtual account, the financial system immediately withdraws the insurance payment amount from the customer virtual account and transfers it to the medical institution account corresponding to the medical institution information. And / or deposit the benefit amount in the customer virtual account for a period of time, and then periodically transfer (or check) the benefit amount to be deposited from the at least one customer virtual account to a specific medical institution account. Deposit).

Referring to FIG. 48B, at least one virtual account at which the payment is received from an insurer corresponding to the non-wage-based medical insurance subscribed to by the customer is linked to the mother insurance account of the integrated medical insurance management institution. In addition, the customer virtual account is processed by the insurance company corresponding to the non-benefit-based medical insurance subscribed to by the customer, the payment amount received from the customer virtual account and the medical institution information to which the payment amount is finally paid.

From the insurance company subscribed to the customer through the salary / non-payroll standard health insurance integrated operation system shown in FIGS. 15 and / or 24 and / or 35, the customer's virtual account linked to the mother account of the integrated health insurance management institution. When the benefit payment amount is deposited and the insurance payment amount and medical institution information are linked to the customer virtual account, the financial system immediately withdraws the insurance payment amount from the customer virtual account to correspond to the medical institution account. Transfer the deposit (or deposit), and / or deposit the benefit payment in the customer virtual account for a period of time, and then periodically check the payment amount to be deposited from the at least one customer virtual account to a particular medical institution account. Make a bulk transfer (or deposit).

Referring to FIG. 48C, at least one customer virtual account in which the payment amount is deposited from an insurance company corresponding to the non-wage standard medical insurance subscribed to by the customer is processed in connection with the insurance company mother account. The account is processed by linking the insurance payment amount deposited into the customer virtual account from the insurer corresponding to the non-wage-based medical insurance to which the customer subscribes and the medical institution information to which the insurance payment amount is finally paid.

The insurance payment amount is transferred from an insurance company subscribed to the customer to the client virtual account linked to the insurance company's mother account through the integrated salary / non-paid medical insurance operating system shown in FIGS. 15 and / or 24 and / or 35. By depositing, when the insurance payment amount and medical institution information are linked to the customer virtual account, the financial system immediately withdraws the insurance payment amount from the customer virtual account and transfers the money to the medical institution account corresponding to the medical institution information. And / or deposit the benefit amount in the customer virtual account for a period of time, and then periodically transfer (or check) the benefit amount to be deposited from the at least one customer virtual account to a specific medical institution account. Deposit).

The insurance payment amount is deposited from the insurance company subscribed to the customer to the customer virtual account, and when the insurance payment amount and the medical institution information are linked to the customer virtual account, the insurance payment amount is fixed to the customer virtual account. After depositing for a period of time, it will be described by showing a preferred method of periodically lumping (or depositing) the amount of insurance payments to be deposited into a specific medical institution account from at least one of the customer virtual accounts.

After depositing the payment amount in the customer virtual account for a predetermined period of time in connection with the financial system shown in the salary / non-salary standard medical insurance integrated operation system shown in FIGS. 15 and / or 24 and / or 35, 49 shows a preferred system configuration for periodically checking (or depositing) a premium payment amount to be deposited into a specific medical institution account from at least one of the customer virtual accounts.

49 shows the structure of a medical insurance settlement processing system according to an embodiment of the present invention.

In more detail, FIG. 49 illustrates a predetermined non-payment-based insurance company (for example, a private health insurance company) subscribed to by the customer through the integrated pay / non-pay-based medical insurance management system shown in FIGS. 15 and / or 24 and / or 35. An amount corresponding to the non-wage-based medical insurance settlement amount is deposited into the customer virtual account, and / or the salary-based medical insurance settlement is settled to the customer virtual account from a predetermined pay-based insurance company (eg, National Health Insurance Corporation). When the amount corresponding to the amount is deposited, and / or an amount corresponding to the amount settled by the customer fee is received from the predetermined credit card company / financial company corresponding to the payment method provided in the card to the customer virtual account, the customer virtual account The amount corresponding to the salary / unpaid medical insurance settlement amount and / or the amount corresponding to the customer contribution After depositing for a period of time, a periodic bulk transfer (or deposit) of an amount corresponding to at least one salary / non-paid medical insurance settlement amount and / or a customer contribution settlement amount to be deposited from at least one or more of said client virtual account to a particular medical institution account The present invention relates to a medical insurance settlement processing system, and those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 49 to infer various implementation methods for the medical insurance settlement processing system. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, in FIG. 49, the customer virtual account is connected to a predetermined medical expenses settlement server 4900 connected to the financial system in which the customer virtual account is opened and through a predetermined interface means (for example, an internal communication network constituting the computer system of the financial institution). The amount of the salary / non-salary health insurance to be deposited into a specific medical institution account from at least one of the client virtual accounts after depositing an amount corresponding to the salary / non-salary health insurance settlement amount and / or the customer contribution settlement amount in the account for a period of time. And / or as shown and described as a periodic transfer (or deposit) to confirm the amount corresponding to the payment amount of the customer payment, but the present invention is not limited by this, and corresponds to the medical expenses settlement server 4900 The functional configuration is provided in the medical expenses settlement unit provided in the external system of the financial system. But may.

Referring to FIG. 49, the medical expenses settlement server 4900 may include predetermined non-payment criteria subscribed to by the customer through the salary / non-salary standard medical insurance integrated operation system shown in FIGS. 15 and / or 24 and / or 35, and the like. An amount corresponding to the non-benefit-based medical insurance settlement amount is deposited from an insurance company (e.g., private medical insurance company) to the customer virtual account, and / or the customer virtual account from a predetermined pay-based insurance company (e.g., National Health Insurance Corporation). An amount corresponding to the salary-based medical insurance payment amount is deposited, and / or an amount corresponding to the payment amount of the customer contribution from the predetermined card company / financial company corresponding to the payment method provided on the card to the customer virtual account. Once deposited, the salary / non-paid medical benefit is placed in the customer virtual account as shown in FIGS. 48a and / or 48b and / or 48c. An information processing unit 4905 for linking and processing the amount corresponding to the settlement amount and / or the customer payment settlement amount and the medical institution information (for example, the medical institution account number) to which the amount is finally transferred, and the figures 15 and / or 24 and / or Or settlement of at least one salary / non-salary medical insurance transferred (or deposited) from at least one insurance company and / or card company / financial company to at least one customer virtual account through the salary / non-salary-based medical insurance integrated operation system shown in FIG. Periodically check whether the amount corresponding to the amount and / or customer payment settled amount is to be finally transferred (or deposited) to each medical institution, and at least one salary / unpaid medical care deposited in at least one customer virtual account as a result of the verification. Once confirmed to finalize (or deposit) the benefit to each medical institution, The amount corresponding to the customer virtual account to be linked (or deposited) to the same medical institution and the salary / unpaid medical insurance settlement amount and / or the customer contribution settlement amount deposited in the virtual account by inquiring medical institution information linked to the customer virtual account. In accordance with the information confirming unit 4910 and the confirmation result of the information confirming unit 4910, the amount of each salary / non-paid medical insurance from the at least one customer virtual account including the same medical institution information and / or And a transfer processing unit 4915 which withdraws the amount corresponding to the customer contribution settlement amount and transfers (or deposits) to the medical institution account corresponding to the medical institution information.

The pay / non-pay medical insurance settlement amount and / or the customer contribution settlement amount to the customer virtual account through the integrated pay / non-pay medical insurance management system shown in FIGS. 15 and / or 24 and / or 35 When the amount to be deposited is received, the information processing unit 4905 is connected to the financial system on the ledger D / B including the customer virtual account as shown in FIGS. 48a and / or 48b and / or 48c as shown in FIG. And an amount corresponding to the salary / non-salary medical insurance settlement amount and / or customer contribution settlement amount and the medical institution information (eg, medical institution account number) to which the amount is finally transferred to the account.

According to an embodiment of the present invention, the information processing unit 4905 may settle the salary / non-paid medical insurance settlement amount and / or customer linked to the customer virtual account as shown in FIGS. 48A and / or 48B and / or 48C. The amount corresponding to the amount settled by the deductible and the medical institution information to which the amount is ultimately transferred (or deposited) by the transfer processing unit 4915 are the amount corresponding to the settled amount of the salary / non-paid medical insurance and / or the amount settled by the customer. It is desirable to manage and maintain until the final transfer (or deposit) to the medical institution account corresponding to the medical institution information.

The information checking unit 4910 may include at least one customer from at least one insurance company and / or a card company / financial company through the integrated salary / non-salary standard health insurance management system shown in FIGS. 15 and / or 24 and / or 35. Periodically checking whether the amount corresponding to at least one salary / non-paid medical insurance settlement amount and / or customer contribution settlement amount transferred to the virtual account is finally transferred (or deposited) to each medical institution. do.

For example, the information checking unit 4910 may finally transfer (or deposit) the amount corresponding to the salary / unpaid medical insurance settlement amount and / or the customer contribution settlement amount to each medical institution once every six hours, It may be confirmed to process once per 12 hours daily, once daily, or once per N (N> 1) days, or once per week, or once monthly.

If the verification result confirms that the amount corresponding to the at least one salary / non-payment health insurance settlement amount and / or the customer contribution settlement amount deposited in the at least one customer virtual account is finally transferred (or deposited) to each medical institution, The information checking unit 4910 may query the medical institution information linked to the customer virtual account, and the customer virtual account to be three-dimensionally (or deposited) to the same medical institution and the amount of the salary / non-paid medical insurance deposited in the virtual account and / or Characterized in that the amount corresponding to the customer charge settlement amount is confirmed.

For example, in the embodiment shown in FIGS. 48A and / or 48B and / or 48C, salary / unpaid medical insurance that is finally transferred (or deposited) to a medical institution (or medical institution account) corresponding to the medical institution information (A). The amount corresponding to the settlement amount and / or the customer contribution settlement amount, the amount corresponding to the salary / non-paid medical insurance settlement amount deposited in the virtual account 1 and / or the customer contribution settlement amount, deposited in the virtual account 3 A medical institution (or medical institution account) corresponding to the salary / non-salary medical insurance settlement amount and / or the customer contribution settlement amount and the insurance payment amount deposited in the virtual account (4), and / or corresponding to the medical institution information (B). The amount corresponding to the salary / non-salary health insurance settlement amount and / or the customer contribution settlement amount, which is finally transferred (or deposited) by the settlement, is settled by the salary / non-salary health insurance settlement deposited in the virtual account (1). The amount corresponding to the amount and / or the customer contribution settled amount, the amount of the salary / non-paid medical insurance amount deposited in the virtual account (3) and / or the amount corresponding to the amount settled in the customer contribution and the insurance payment deposited in the virtual account (N) Amounts and / or amounts corresponding to the salary / non-salary medical insurance settlement amount and / or customer contribution settlement amount that are finally transferred (or deposited) to the medical institution (or medical institution account) corresponding to the medical institution information (C) are hypothetical. Corresponds to the amount of Settlement of Salary / Non-paid Health Insurance and / or Customer's Contribution settled in the account (2) and to the amount of Settlement of Salary / Non-paid Health Insurance and / or Client's Copayment deposited in the virtual account (3) That's the amount.

The transfer processing unit 4915 may settle each salary / non-paid medical insurance payment amount and / or a customer contribution settlement amount from at least one or more customer virtual accounts including the same medical institution information in response to the verification result of the information confirming unit 4910. Withdraw the amount corresponding to and transfer (or deposit) to the medical institution account corresponding to the medical institution information.

According to an embodiment of the present invention, the transfer processing unit 4915 may correspond to an amount corresponding to each salary / non-salary medical insurance settlement amount and / or a customer contribution settlement amount from at least one or more customer virtual accounts including the same medical institution information. Withdraw the money and transfer it (or deposit) to the medical institution account corresponding to the medical institution information, and then process the information processing unit 4905 and the processing associated with the customer virtual account as shown in FIGS. 48a and / or 48b and / or 48c. The amount and medical institution information corresponding to the paid / non-paid medical insurance settlement amount and / or the customer contribution settlement amount, and the customer virtual account shown in FIGS. 4a and / or 4b and / or 4c, and / or FIG. And / or initializing, such as the customer virtual account shown in FIGS. 11b and / or 11c.

50 is a diagram illustrating an information processing process for settlement of medical insurance claims according to the embodiment of the present invention.

In more detail, the drawing 50 shows the salary / non-salary standard health insurance integrated operating system shown in FIGS. 15 and / or 24 and / or 35 as the customer virtual account, and the salary / non-salary medical insurance settlement amount and / or customer. When the amount corresponding to the levy settlement amount is transferred (or deposited), the salary / non-salary medical insurance settlement amount and / or the customer levy settlement amount is added to the customer virtual account through the medical insurance settlement settlement system shown in FIG. In the process of linking the amount of information and medical institution information, and those skilled in the art to which the present invention pertains, the information processing process for the settlement of the medical insurance claims by referring to and / or modified in this drawing 50 Various implementations may be inferred, but the present invention encompasses all of the inferred implementations, whereby The invention is not limited.

Hereinafter, the medical expenses settlement server 4900 shown in FIG. 49 is referred to as " server " in FIG.

Referring to FIG. 50, the server is connected with the financial system from an insurance company subscribed to the customer through the integrated salary / non-salary standard health insurance management system shown in FIGS. 15 and / or 24 and / or 35. The client virtual account periodically checks whether the amount corresponding to the predetermined salary / non-payment health insurance settlement amount and / or the customer contribution settlement amount is transferred (or deposited) (5000). If it is confirmed (5005) that an amount corresponding to a predetermined salary / non-payment health insurance settlement amount and / or a customer contribution settlement amount has been transferred (or deposited) to the account (5005), the server may be provided with the figures 15 and / or 24 and / or Medical institution information provided from the insurer through the integrated salary / non-salary standard health insurance management system shown in FIG. Information of the medical institution to which the amount corresponding to the settled salary / non-paid medical insurance amount and / or the customer contribution settlement amount is to be finally deposited) is received (5010), and the figures 48a and / or 48b and in conjunction with the financial system As shown in FIG. 48C, the client virtual account is linked with the amount corresponding to the salary / unpaid medical insurance settlement amount and / or the customer contribution settlement amount and the medical institution information (5015).

The server performs at least one salary / non-salary health insurance settlement amount and / or customer contribution settled in at least one customer virtual account while performing the above-described information processing process 5000-5015 in connection with the financial system. It is periodically checked whether the amount corresponding to the amount is withdrawn from the customer virtual account to be finally settled to each medical institution (5020), if the at least one salary / deposit deposited in the at least one customer virtual account is confirmed. When it is confirmed that the amount corresponding to the non-paid medical insurance settlement amount and / or the customer contribution settlement amount is withdrawn from the customer virtual account and finally settled to each medical institution (5025), the server processes the medical insurance settlement settlement process shown in FIG. Do this.

51 is a diagram showing a medical insurance settlement process according to the method of the present invention.

More specifically, FIG. 51 shows at least one salary / non-paid medical insurance settlement amount and / or customer contribution deposited in at least one or more customer virtual accounts while performing the information processing process for the settlement of medical insurance benefits shown in FIG. 50. When the amount corresponding to the settlement amount is confirmed to be withdrawn from the customer virtual account and finally settled to each medical institution, the settlement / payment benefit insurance amount settled from the at least one customer virtual account to the same medical institution according to the verification result; And / or a process of collectively withdrawing (or depositing) the amount corresponding to the amount settled by the customer owed to the medical institution account. If the person of ordinary skill in the art belongs to the present invention, refer to FIG. And / or modify the medical insurance settlement process. Various implementation methods may be inferred, but the present invention includes all of the inferred implementation methods, whereby the present invention is not limited thereto.

In the drawing 51, the medical expenses settlement server 4900 shown in the drawing 49 will be referred to as " server " for convenience.

Referring to FIG. 51, at least one salary / non-paid medical insurance amount and / or customer contribution settled in at least one customer virtual account is settled while performing the information processing process for the medical insurance settlement shown in FIG. When it is confirmed to withdraw the amount corresponding to the amount (or the amount to be settled) from the customer virtual account and finally settle to each medical institution, the server is connected with the financial system to include at least one customer virtual information including the same medical institution information. Verify the account (5100).

If at least one customer virtual account including the same medical institution information is identified (5105), the server settles each salary / non-salary medical insurance plan from at least one customer virtual account containing the same medical institution information in association with the financial system. The amount (or the amount subject to settlement) withdraws the amount corresponding to the amount and / or customer contribution settlement amount (5110), and also settles the salary / non-salary medical insurance withdrawn in correspondence with the same medical institution information in connection with the financial system. The amount (or settlement amount) corresponding to the amount and / or the customer contribution settlement amount is collectively transferred (or deposited) to the medical institution account (5115).

Thereafter, the server checks whether the final settlement of the amount corresponding to the salary / unpaid medical insurance settlement amount and / or the customer contribution settlement amount (or settlement processing amount) is completed in response to all medical institutions (5120). For all medical institutions, until the final settlement process is completed for the amount (or the amount subject to settlement) corresponding to the salary / unpaid medical insurance settlement amount and / or the customer contribution settlement amount deposited in the client virtual account, The same process (5100 ~ 5115) is repeatedly performed (5125), and if the amount corresponding to the settlement amount of the salary / unpaid medical insurance and / or the settlement amount of the customer deposited in the client virtual account for all medical institutions (or settlement) When the final settlement processing for the amount to be processed (5125) is completed (5125), the server checks the medical insurance shown in FIG. And performs information processing for settlement repeatedly.

52 is a diagram showing the configuration of a medical insurance settlement processing system according to another embodiment of the present invention.

More similarly, FIG. 52 shows that the client is notified by the predetermined financial institution server 5200 before the amount corresponding to the salary / non-paid medical insurance settlement amount and / or the amount corresponding to the customer contribution is deposited in the customer virtual account. Claim the non-benefit-based medical insurance settlement amount to a prescribed non-payment-based insurance company (e.g., private health insurance company), and / or settle the salary-based medical insurance amount to a prescribed salary-based insurance company (e.g., National Health Insurance Service). Claim the amount corresponding to the customer's virtual account, and / or to a predetermined credit card company / financial company corresponding to the payment means provided on the card, Correspondingly, a predetermined medical expense payment win corresponding to the claim is made from the insurance company server 1530 and / or the card company (financial company) server. When the information is received, the financial institution server 5200 prepays the amount corresponding to the medical expenses payment approval information to the medical institution account, and the medical expenses payment approval from the insurance company and / or card company (financial company) and / or card company (financial company). If the amount corresponding to the information is actually deposited, the medical insurance payment settlement system configuration for performing the post-settlement processing of the amount corresponding to the medical expenses payment approval information, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying Figure 52, it will be possible to infer a variety of system configurations for the medical insurance settlement processing system configuration for the medical fee prepayment settlement processing, the present invention includes all the inferred implementation method, It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 52, for convenience, a non-payment based medical insurance settlement amount and / or a salary based medical insurance settlement amount and / or a customer contribution settlement amount are collectively referred to as a "medical expenses settlement amount".

Referring to FIG. 52, the medical insurance settlement processing system configuration for the post-payment processing of medical expenses is based on the medical institution ledger information stored in the ledger D / B on the financial system. The insurance company server 1530 and / or the card company (financial company) server periodically bills the amount of medical expenses to be paid to a medical institution, and the insurance company server 1530 and / or the card company (financial company) in response to the medical expenses settlement amount claim When the predetermined medical expenses payment approval information is received from the server, the amount corresponding to the medical expenses payment approval information is prepaid to the medical institution account, and the amount corresponding to the medical expenses payment approval information from the insurance company and / or the card company (financial company) is actually lost. When the deposit is received, the financial institution that post-sets the amount corresponding to the medical expenses payment approval information (5200), and is characterized in that comprises the financial institution system name of medical institution account is held corresponding to the customer a virtual account with the medical information.

Here, the insurance company server 1530 and / or card company (financial company) server at least one or more medical institutions after providing the medical service to at least one or more patients, and provides the medical expenses payment request information corresponding to the medical service, the medical expenses The payment request information is stored and managed in a predetermined database, and the treatment / prescription related information included in the medical expenses payment request information is analyzed to approve payment of the medical expenses settlement amount included in the medical expenses payment request information. Periodically pay the amount of medical expenses to the medical institution.

Those skilled in the art to which the present invention pertains, the insurance server in connection with at least one medical institution to approve the medical expenses payment request information and pays the medical expenses settlement amount to the medical institution is familiar with the technical characteristics. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 52, the financial company server 5200 pays a predetermined medical bill settlement amount to an insurance company server 1530 and / or a card company (financial company) server based on medical institution ledger information stored in the ledger D / B on the financial system. An information checking unit 5205 for identifying at least one medical institution to which the medical billing object is to be claimed, and when the medical institution to which the medical billing subject is claimed is identified, predetermined communication means using medical institution ledger information stored in the ledger D / B on the financial system. Requesting medical expenses payment approval information corresponding to the medical institution (or approved by the insurance company and / or card company (financial company) to pay to the medical institution) to the insurance company server 1530 and / or card company (financial company) server through The medical information from the insurance company server 1530 and / or card company (financial company) server through the information request unit 5210 and the communication means A medical expenses payment approval information receiver 5215 which receives medical expenses payment approval information corresponding to the payment information request (or approved by the insurance company and / or card company (financial company) to pay the medical institution); A prepayment processing unit 5220 for depositing an amount corresponding to the medical expenses payment approval information from the customer virtual account and prepaying the medical institution account corresponding to the medical institution ledger information stored in the ledger D / B on the financial system; and the insurance company and / or When the amount corresponding to the medical expenses payment approval information is deposited from the card company (financial company) to the customer virtual account, characterized in that it is provided with a post-payment processing unit 5225 to process the post-payment for the amount prepaid to the medical institution account And through the predetermined network means the medical expenses prepayment history information and / or The apparatus may further include an information transmission unit 5230 for transmitting medical expenses payment details to the medical institution terminal 5235 (or the medical institution side data receiving unit).

The information checking unit 5205 periodically checks the medical institution ledger information stored in the ledger D / B on the financial system, so as to the insurance company server 1530 and / or card company (financial company) server among the medical institutions corresponding to the medical institution information. Selecting and / or confirming at least one or more medical billing target medical institutions to claim the predetermined medical bill settlement amount approved for payment of the medical bill.

According to an embodiment of the present invention, the insurance company server 1530 and / or card company (financial company) server receives at least one or more medical expenses payment request information from at least one medical institution and stores in a predetermined database, the medical expenses payment request information Generate and store predetermined medical expenses payment approval information for approving / rejecting the medical expenses payment corresponding to the data, and storing and managing the predetermined medical expenses payment information in a predetermined database, wherein the information checking unit 5205 is the insurance company server 1530 and / or a card company (financial company) server. It is preferable to check the medical institution to claim the predetermined medical expenses settlement amount approved for the medical expenses payment through the medical expenses payment approval information managed by the company.

For example, the information checking unit 5205 may check the medical institution ledger information stored in the ledger D / B on the financial system on a daily, even or odd day, or on a specific day of the week, or on a specific day of the month. Among the corresponding medical institutions, it is preferable to select and / or confirm at least one or more medical institution to which the medical expenses are to be billed to the insurance company server 1530 and / or a card company (financial firm) server. .

If at least one medical institution subject to billing for the predetermined medical expenses for which the medical expenses have been approved is selected and / or confirmed to the insurance company server 1530 and / or a card company (financial firm) server through the verification process, The information verification unit 5205 extracts (or confirms) at least one or more medical institution ledger information corresponding to the confirmed medical expenses claimed medical institution and medical institution account information for the post-payment of medical expenses prepayment from the ledger D / B on the financial system. ) To the information request unit 5210.

The information request unit 5210 is connected to the medical institution to the insurance company server 1530 and / or card company (financial company) server through a predetermined communication means based on the medical institution ledger information confirmed by the information confirmation unit 5205. Request medical information payment approval information corresponding to (or approved by the insurance company and / or card company (financial company) to the medical institution).

According to the method of the present invention, the information request unit 5210 provides the medical institution ledger information to the insurance company server 1530 and / or card company (financial company) server through the communication means, the insurance company server 1530 And / or requesting medical expense payment approval information corresponding to the medical institution (or approved by the insurance company and / or card company (financial company) to pay the medical institution) from a card company (financial company) server.

The insurance company server 1530 and / or the card company (financial company) server that has received the medical expenses payment approval information may include at least one corresponding to the received medical institution ledger information from a database storing the one or more medical expenses payment request information approved for payment. The medical expenses payment approval details are checked, and predetermined medical expenses payment approval information including the medical expenses payment approval details is generated and transmitted to the financial company server 5200 through the communication means.

The medical expenses payment approval information receiver 5215 is authorized to pay the information request portion 5210 through the communication means to the medical institution from the requested medical expenses payment approval information (or the insurance company and / or a card company (financial company)). Predetermined medical expenses payment approval information), and provides the received medical expenses payment approval information to the prepayment processing unit 5220.

According to an embodiment of the present invention, the medical expenses payment approval information includes the total payment amount information approved for the medical institution on the basis of the current time when the medical expenses payment approval information is requested by the information requesting unit 5210, and the insurance company. And / or at least one payment date and time information for paying the approved amount of payment from the card company (financial company) to the medical institution.

The prepayment processing unit 5220 may correspond to the medical institution (or the insurance company and / or card company (financial company) from the insurance company server 1530 and / or card company (financial company) server by the medical expenses payment approval information receiver 5215. When the medical expenses payment approval information, which is authorized to be paid to the medical institution, is received, the amount corresponding to the total payment amount information included in the medical expenses payment approval information is withdrawn from the customer virtual account in connection with the financial system, It is characterized in that the deposit processing to the medical institution account in the name of the corresponding medical institution.

According to an embodiment of the present invention, the medical institution account includes a real account opened in the name of the medical institution on the financial system, or includes at least one virtual account opened in the name of the medical institution on the financial system. It is preferable to make it.

Here, the virtual account of the medical institution name is opened in the form of a virtual account linked to the financial institution mother account, or in the form of a virtual account linked to the insurance company and / or card company (financial company) mother account, or according to the implementation method If there is an institution that pays the medical bill settlement amount, it is possible to open all in the form of a virtual account associated with the mother account of the medical bill settlement agency, the present invention is not limited thereby.

According to the exemplary embodiment of the present invention, when the prepayment processing unit 5220 deposits the amount corresponding to the total payment amount information included in the medical expenses payment approval information into the medical institution account of the medical institution name, the information transmission unit 5230 may be configured to perform the above-described payment. It is characterized in that the predetermined medical expenses prepayment history information corresponding to the medical expenses prepayment processing is generated and transmitted to the medical institution terminal 5235 (for example, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the advance payment processing unit 5220 deposits an amount corresponding to the total payment amount information included in the medical expenses payment approval information into a medical institution account of the medical institution name, the information transmission unit 5230 may The medical institution side data receiving means (e.g., a mail account of a medical institution customer or a short message service (SMS) receiving device) is generated through a predetermined network means by generating predetermined medical expenses first payment history information corresponding to the medical expenses first payment processing. It characterized in that the transmission to.

The post-payment processing unit 5225 corresponds to the medical institution information by withdrawing the amount corresponding to the total payment amount information included in the medical expenses payment approval information from the customer virtual account in connection with the financial system; In the case of depositing a medical institution account in the name of a medical institution, a predetermined prepayment fee is deducted from the amount to be deposited into the medical institution account. In this case, the amount actually deposited by the prepayment processing unit 5220 to the medical institution account is the above. It is preferable that the total payment amount included in the medical expenses payment approval information is included, including the amount of the prepayment fee.

Alternatively, the post-payment processing unit 5225 may withdraw the amount corresponding to the total payment amount information included in the medical expenses payment approval information from the customer virtual account by the prepayment processing unit 5220 in connection with the financial system to provide the medical institution information. After depositing the medical institution account in the name of the medical institution corresponding to, the insurance company server and / or card company (financial company) server from the insurance company and / or card company (financial company) to the customer virtual account through the financial system; When the total amount to be paid to the medical institution is deposited, the prepayment processing unit 5220 calculates a predetermined prepayment fee corresponding to the prepaid amount to the medical institution account, and calculates the calculated prepayment fee. do.

According to an embodiment of the present invention, the insurer server 1530 and / or the card company (financial company) server, the total to be paid from the insurance company and / or card company (financial company) to the medical institution through the financial system to the customer virtual account. When the amount is deposited, after calculating the predetermined prepayment fee corresponding to the amount prepaid to the medical institution account by the prepayment processor 5220, the customer at the insurance company server 1530 and / or card company (financial company) server It is preferable to compare the amount deposited into the virtual account with the amount deposited into the medical institution account in the customer virtual account.

If the comparison result is that the amount of money deposited from the insurance company server 1530 and / or card company (financial company) server to the customer virtual account than the amount deposited into the medical institution account from the customer virtual account, the post-payment processor ( 5225) after deducting the calculated prepayment fee from the amount to be additionally deposited into the medical institution account from the amount deposited into the customer virtual account in the insurance company server 1530 and / or card company (financial company) server, the customer virtual It is preferable to process the settlement by depositing the additional deposit amount from the account to the medical institution account.

On the other hand, as a result of the comparison, the amount deposited from the insurance company server 1530 and / or the card company (financial company) server to the customer virtual account is less than the amount deposited from the customer virtual account to the medical institution account, or the customer virtual account. If the additional amount to be deposited into the medical institution account is less than the calculated prepayment fee, it is preferable that the post-settlement processing unit 5225 processes the prepayment fee from the amount prepaid to the medical institution account.

Alternatively, the amount deposited from the insurance company server 1530 and / or the card company (financial company) server to the customer virtual account is less than the amount deposited from the customer virtual account to the medical institution account, or from the customer virtual account. If the additional amount to be deposited into the medical institution account is less than the calculated prepayment fee, if the balance of the amount prepaid to the medical institution account is less than the prepayment fee, the post-payment processing unit 5225 next performs the medical institution account. In the amount to be prepaid, it is preferable to settle the prepayment fee from the amount.

According to the exemplary embodiment of the present invention, when the post-settlement processing unit 5225 post-settles the medical expenses settlement amount, the information transmission unit 5230 generates predetermined medical expenses prepaid history information corresponding to the medical expenses post-settlement processing. To the medical institution terminal 5235 (for example, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the post-settlement processing unit 5225 post-settles the medical expenses settlement amount, the information transmission unit 5230 may provide predetermined medical expenses prepayment detail information corresponding to the medical expenses after-treatment processing. It generates and transmits the data to the medical institution-side data receiving means (for example, a mail account of a medical institution customer, or a short message (SMS) receiving device) through a predetermined network means.

According to the method of the present invention, the information transmission unit 5230 analyzes the operation result of the medical institution account (for example, a virtual account of the medical institution name) for each medical institution, in addition to the medical expenses prepayment history information and / or medical expenses prepayment history information, The result of the medical institution account analysis report is transmitted to the medical institution terminal 5235 (e.g., a wired terminal or wireless terminal of a medical institution customer) through a predetermined network means, and / or the medical institution side data receiving means (e.g., a medical institution). Customer mail account, or a short message (SMS) receiving device).

53 is a view showing a medical expenses prepayment processing procedure according to another embodiment of the present invention.

In more detail, the insurer 53 periodically checks the amount of medical expenses to be paid to the medical institution from a predetermined insurance company and / or a card company (financial company) in the financial company server 5200 on the medical insurance settlement process shown in FIG. 52. If the billing server 1530 and / or card company (financial company), and the predetermined medical expenses payment approval information is received from the insurance company server 1530 and / or card company (financial company) in response to the medical bill settlement amount claim, Regarding the process of prepayment of the amount corresponding to the medical expenses payment approval information to the medical institution account, if the person of ordinary skill in the art belongs to the present invention, referring to and / or modified this figure 53 in the medical expenses prepayment process Various implementation methods may be inferred, but the present invention includes all implementation methods inferred. The present invention is not limited to the implementation method illustrated in FIG. 53.

In FIG. 53, the financial company server 5200 on the medical insurance settlement processing system shown in FIG. 52 is referred to as " server " for convenience, and the medical institution terminal 5235 on the medical insurance settlement processing system shown in FIG. It is called "terminal".

Referring to FIG. 53, the server periodically approves the payment of medical expenses to the insurance company server 1530 and / or the card company (financial company) among the medical institutions corresponding to the medical institution ledger information provided in the ledger D / B on the financial system. At least one medical institution to which the predetermined medical expenses are to be settled is identified (5300).

If at least one medical institution subject to medical billing is confirmed (5305), the server extracts medical institution ledger information provided in the ledger D / B on the financial system (5310), and the predetermined information is based on the extracted medical institution information. The medical expenses payment approval information is requested to the insurance company server 1530 and / or the card company (financial company) server through the communication means of the medical institution corresponding to the medical institution information (5315).

Thereafter, the insurance company server 1530 and / or the card company (financial company) server extracts at least one medical expenses payment approval history corresponding to the medical institution information from a predetermined database, and includes the extracted at least one medical expenses payment approval history. The predetermined medical expenses settlement amount approval information is generated (5320).

According to an embodiment of the present invention, the medical expenses payment approval information includes the total payment amount information approved for the medical institution on the basis of the current time when the medical expenses payment approval information is requested by the information requesting unit 5210, and the insurance company. And / or at least one payment date information for paying the approved amount of payment from the card company (financial company) to the medical institution.

When the medical expenses payment approval information is generated, the insurance company server 1530 and / or card company (financial company) server transmits the generated medical expenses payment approval information to the server through the communication means (5325), and correspondingly In operation 5330, the server processes an amount of money corresponding to the total payment amount information included in the medical expenses payment approval information to the medical institution account in association with the financial system.

If the amount corresponding to the total payment amount information is prepaid to the medical institution account (5335), the server generates the medical institution dedicated account book information including the predetermined medical institution specific account entry information corresponding to the medical expenses prepayment processing; After storing in the ledger D / B (5340), the predetermined medical expenses prepayment history information corresponding to the medical expenses prepayment process is generated and transmitted to the terminal (5345).

54 is a diagram illustrating a post-settlement process of a prepaid medical expenses settlement amount according to another embodiment of the present invention.

In more detail, FIG. 54 shows the financial institution server 5200 on the medical insurance settlement processing system shown in FIG. 52 from the insurance company and / or the card company (financial company) to the medical institution through the medical fee prepayment process shown in FIG. After the payment of the medical expenses to be paid to the medical institution account is made, and the total payment amount to be paid to the medical institution by the insurance company and / or the card company (financial company) is deposited, the deposit from the insurance company and / or the card company (financial company) Regarding the process of settlement of the amount prepaid to the medical institution account through the amount, if the person of ordinary skill in the art to which the present invention pertains, refer to and / or modification of this figure 54 Various implementation methods for the post-treatment process may be inferred, but the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method illustrated in FIG.

Hereinafter, the financial company server 5200 on the medical insurance settlement processing system shown in FIG. 52 is referred to as "server" in FIG. 54, and the medical institution terminal 5235 on the medical insurance settlement processing system shown in FIG. It is called "terminal".

Referring to FIG. 54, the insurer and / or card company (financial company) is provided to the medical institution through the medical expenses prepayment process shown in FIG. 53 by the financial company server 5200 on the medical insurance settlement processing system shown in FIG. After the prepayment of medical billing amount to be paid to the medical institution account, the server from the insurance company server 1530 and / or card company (financial company) server to the customer virtual account provided on the financial system the insurance company and / or card company ( Financial company) checks whether the medical bill settlement amount to be paid to the medical institution is deposited (5400).

If the amount of medical expenses to be paid from the insurance company and / or card company (financial company) to the medical institution is deposited from the insurance company server 1530 and / or card company (financial company) server to the customer virtual account provided on the financial system ( 5405), the server calculates a predetermined prepayment fee in accordance with the medical fee prepayment process shown in FIG. 53 (5410), and also from the insurance company and / or card company (financial company) to the customer virtual account provided on the financial system. Comparing the deposit amount with the amount prepaid by the server to the medical institution account through the process shown in Fig. 53, the server calculates a predetermined additional deposit amount to be additionally deposited into the medical institution account through the financial system. (5415).

Thereafter, the server compares the calculated prepayment fee with the calculated additional deposit amount, and confirms whether or not the settlement of the prepayment fee using the additional deposit amount is performed (5420).

According to an embodiment of the present invention, if the amount of money deposited from the insurance company server 1530 and / or a card company (financial company) server is greater than the amount prepaid from the customer virtual account to the medical institution account, the server The calculated prepayment fee may be settled by the insurance company server 1530 and / or the card company (financial company) server from the amount of money deposited into the customer virtual account (or the calculated additional deposit amount).

If the settlement process of the prepayment fee is confirmed, the prepayment fee may be settled at the additional deposit amount (5425), and the server may calculate the prepayment fee calculated from the amount deposited from the insurance company and / or the card company (financial company). Calculating the final deposit amount to be deposited from the client virtual account to the medical institution account (5430), and depositing the calculated final deposit amount from the client virtual account to the medical institution account in connection with the financial system; (5435), medical institution-specific bankbook ledger information including predetermined medical institution-specific bankbook entry information corresponding to the deposit processing of the final deposit amount is generated and stored in the ledger D / B (5437).

On the other hand, if the settlement process of the prepayment fee is confirmed, if the prepayment fee cannot be settled from the additional deposit amount (5425), the server calculates the prepayment from the prepayment amount to the medical institution account through the process shown in FIG. In step 5440, it is possible to settle the down payment fee.

According to the method of the present invention, if the balance of the medical institution account is greater than the calculated prepayment fee, the prepayment fee may be settled from the amount prepaid to the medical institution account.

If the prepayment fee can be settled from the amount prepaid to the medical institution account (5445), the server transfers the calculated additional deposit amount to the medical institution account before or after the deposit is processed in connection with the financial system. The prepayment fee is settled from the balance (5450), and the medical institution exclusive ledger information including the predetermined medical institution specific book entry information corresponding to the settlement of the prepayment fee is generated and stored in the ledger D / B (5453). ).

On the other hand, if the prepayment fee cannot be settled from the amount prepaid to the medical institution account (5445), the server deposits the additional deposit amount calculated in connection with the financial system before / after the deposit processing fee to the medical institution account. In the next medical expenses prepayment process as shown in FIG. 53, a registration (or reservation) is performed to be settled first (5455).

55 is a diagram showing the configuration of a medical insurance settlement processing system according to another embodiment of the present invention.

More similarly, in FIG. 55, before the amount corresponding to the salary / non-payment medical insurance settlement amount and / or the amount corresponding to the customer contribution is deposited in the customer virtual account, the customer is transferred to a predetermined financial institution server 5200. Claim the non-benefit-based medical insurance settlement amount to a prescribed non-payment-based insurer (e.g., private health insurance company), and / or settle the salary-based medical insurance to a prescribed salary-based insurance company (e.g., National Health Insurance Service) Claiming the amount corresponding to the amount, and / or claiming the amount corresponding to the amount of the customer charge settled to the customer virtual account to a predetermined card company / financial company corresponding to the payment method provided on the card, and then claiming the amount In response to the payment of the predetermined medical expenses corresponding to the claim amount from the insurance company server 1530 and / or card company (financial company) server When the information is received, the financial institution server 5200 loans an amount corresponding to the medical expenses payment approval information to the medical institution as collateral and prepays it, and corresponds to the medical expenses payment approval information from the insurance company and / or a card company (financial company). If the amount is actually deposited, the medical insurance payment settlement system configuration for the post-settlement processing of the amount loaned in response to the medical expenses payment approval information, if the person having ordinary knowledge in the technical field to which the present invention belongs 55 and / or modified to infer various system configurations for the medical insurance settlement processing system configuration for the post-payment of medical expenses, but the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 55 in accordance with an embodiment of the present invention, a medical insurance payment settlement system for post-payment of medical bills through a medical bill settlement amount mortgage loan procedure according to the present invention includes at least one medical institution connected to a predetermined network means. Receiving the medical expenses settlement amount mortgage loan request information including at least one terminal 5235 and at least one of the medical institution information and the security loan request amount information transmitted from the medical institution terminal 5235 and secured the loan according to the medical expenses settlement amount mortgage loan request The amount corresponding to the medical expenses settlement amount mortgage loan request information as collateral for the medical expenses settlement amount to be paid to the medical institution by the insurance company server 1530 and / or the card company (financial company) server when the security loan is confirmed. Including the financial company server 5200 to loan It features.

The medical institution terminal 5235 may be a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile terminal comprising at least one wired terminal including a desktop computer and / or a laptop connected to the financial institution server 5200 and / or connected to a code division multiple access (CDMA) based mobile communication network. At least one wireless terminal including at least one communication terminal and / or a portable Internet terminal connected to an IEEE 802.16 based high speed wireless Internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network Characterized in that it comprises, the medical institution terminal (5235) provided by the financial institution server (5200) At least one interface screen is output, and a function configuration (eg, a browser program and a communication function) for inputting and / or selecting at least one or more information through the interface screen and transmitting the same to the financial institution server 5200 is provided. It is preferable.

Those skilled in the art to which the present invention pertains may easily infer the characteristics of the medical institution terminal 5235 corresponding to at least one or more wired terminals and / or wireless terminals, and thus, the detailed description thereof will be provided. Omit for convenience.

According to an embodiment of the present invention, when the medical institution terminal 5235 is a wired terminal, the network means includes the TCP / IP-based wired network, and when the medical institution terminal 5235 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless Internet, and / or DataTAC / Mobitex based wireless data communication network.

According to an embodiment of the present invention, the financial institution server 5200 may provide a web interface corresponding to the medical institution terminal 5235 and a network means, through a network means, with a predetermined communication channel with the medical institution terminal 5235. And an interface unit 5240 for connecting and managing the web server. Thus, the financial institution server 5200 is connected to the medical institution terminal 5235 via a wired network and / or a wireless network. With functions.

According to an embodiment of the present invention, when the medical institution terminal 5235 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired network, the interface unit 5240 may be configured to connect the medical institution terminal 5235 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the medical institution terminal 5235 through the communication channel based on a Hyper-Text Transfer Protocol (Hyper-Text Transfer Protocol) protocol. It is preferable to perform a function of transmitting and outputting and receiving and processing the predetermined medical expenses settlement amount security loan request information input (or selected) through the interface screen from the medical institution terminal 5235.

According to another embodiment of the present invention, when the medical institution terminal 5235 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 5240 is connected to the medical institution terminal 5235 and WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of WML (Wireless Markup Language) and / or HTML compatible document to the medical institution terminal 5235 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or an information providing screen and receiving and processing predetermined medical expenses settlement amount security loan request information corresponding to the interface screen from the medical institution terminal 5235.

According to another exemplary embodiment of the present invention, when the medical institution terminal 5235 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 5240 may be connected to the medical institution terminal 5235. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, transmit and output a predetermined interface screen and / or information providing screen to the medical institution terminal 5235 through the communication channel, and output the medical institution terminal. It is preferable to perform a function of receiving and processing the predetermined medical expenses settlement amount security loan request information corresponding to the interface screen from (5235), and / or the medical institution terminal (5235) through a DataTAC / Mobitex-based wireless network When the communication channel is a wireless terminal connected, the interface unit 5240 is the medical institution terminal 5235 and the Connect a predetermined communication channel based on a wireless protocol corresponding to the DataTAC / Mobitex standard, and transmit and output a predetermined interface screen and / or information providing screen to the medical institution terminal 5235 through the communication channel, and the medical institution It is preferable to perform a function of receiving and processing the predetermined medical expenses settlement amount security loan request information corresponding to the interface screen from the terminal 5235.

Referring to FIG. 55, when the medical institution server 5200 is connected to the financial institution server 5200 through the interface unit 5240, the financial institution server 5200 interworks with the interface unit 5240. Providing (or extracting) and providing a predetermined interface screen for the terminal 5235 to input (or select) and transmit the medical expenses settlement amount security loan request information including at least one of the medical institution information and the security loan request amount information. Information receiving unit for receiving the medical expenses settlement amount mortgage loan request information that is input (or selected) and transmitted from the medical institution terminal (5235) through the interface screen in conjunction with the interface providing unit (5245) and the interface unit (5240) ( 5250 and medical institution information included in the medical expenses settlement amount collateral loan request information received through the information receiver 5250. Approved payment of medical expenses corresponding to the medical institution (or approved to pay to the medical institution from the insurance company and / or card company (financial company)) to the insurance company server 1530 and / or card company (financial company) server through a predetermined communication means An information requesting unit 5210 for requesting information, and corresponding to the medical expenses payment information request from the insurance company server 1530 and / or card company (financial company) server through the communication means (or the insurance company and / or card company (financial company) Medical expenses payment approval information receiving unit (5215) for receiving medical expenses payment approval information, which is approved to be paid to the medical institution, and the amount corresponding to the medical expenses payment approval information in connection with the financial system is read An information verification unit 5205 confirming loan approval for the amount of the security loan request included in the loan request information; Upon confirmation of the loan approval, the amount of the medical expenses settled loan corresponding to the loan approval is withdrawn from the virtual account of the customer and processed a prepayment (or secured loan) to the medical institution account corresponding to the medical institution ledger information stored in the ledger D / B on the financial system. When an amount corresponding to the medical expenses payment approval information is received from the insurance company and / or the card company (financial company) from the insurance company and / or the card company (financial company), the mortgage loaned to the medical institution account (or the prepaid amount) And a post-payment processing unit 5225 for processing the post-payment for the medical institution terminal 5325 through the predetermined network means. Or an information transmitter 5230 for transmitting to the medical institution data receiving means. It characterized by that.

The interface providing unit 5245 has a functional configuration (eg, medical institution terminal) provided in the medical institution terminal 5235 when a predetermined medical institution terminal 5235 is connected to the financial institution server 5200 through the interface unit 5240. (E.g., a browser program provided at 5235) to generate (or select) predetermined medical expenses settlement amount mortgage request information and generate a predetermined interface screen for transmitting to the financial institution server 5200 through the network means; And / or extract from a predetermined database (not shown), and provide the generated (or extracted) interface screen to the medical institution terminal 5235 via the network means in association with the interface unit 5240. It is done.

Thereafter, the medical institution terminal 5235 inputs (or selects) the medical expenses settlement amount collateral loan request information including at least one of the medical institution information and the security loan request amount information based on the interface screen, and the input (or selection). The medical expenses settlement amount collateral loan request information is transmitted to the financial institution server 5200 through the network means.

The information receiver 5250 inputs (or selects) predetermined medical expenses settlement amount security loan request information from the medical institution terminal 5235 through the interface screen, and transmits the information to the interface unit 5240. And the medical expenses settlement amount collateral loan request information is received, and the received medical expenses settlement amount collateral loan request information is provided to the information request unit 5210.

The information request unit 5210 may correspond to the medical institution to the insurance company server 1530 and / or card company (financial company) server through a predetermined communication means based on the medical institution information included in the medical expenses settlement amount mortgage request information (Or approved by the insurance company and / or card company (financial company) to pay to the medical institution) characterized in that the request for payment information approval.

According to the method of the present invention, the information request unit 5210 provides the medical institution ledger information to the insurance company server 1530 and / or card company (financial company) server through the communication means, the insurance company server 1530 And / or requesting medical expense payment approval information corresponding to the medical institution (or approved by the insurance company and / or card company (financial company) to pay the medical institution) from a card company (financial company) server.

The insurance company server 1530 and / or the card company (financial company) server, which has received the medical expenses payment approval information, may include at least one corresponding to the received medical institution ledger information from a database storing the one or more medical expenses payment request information approved for payment. The medical expenses payment approval details are checked, and predetermined medical expenses payment approval information including the medical expenses payment approval details is generated and transmitted to the financial company server 5200 through the communication means.

The medical expenses payment approval information receiver 5215 is authorized to pay the information request portion 5210 through the communication means to the medical institution from the requested medical expenses payment approval information (or the insurance company and / or a card company (financial company)). Predetermined medical expenses payment approval information), and provides the received medical expenses payment approval information to the information verification unit 5205.

According to an embodiment of the present invention, the medical expenses payment approval information includes the total payment amount information approved for the medical institution on the basis of the current time when the medical expenses payment approval information is requested by the information requesting unit 5210, and the insurance company. And / or at least one payment date and time information for paying the approved amount of payment from the card company (financial company) to the medical institution.

The information checking unit 5205 confirms the security loan approval for the security loan request amount included in the medical expenses settlement amount collateral loan request information based on the total payment amount information and payment date information included in the medical expenses payment approval information. It is characterized by.

According to an exemplary embodiment of the present invention, the mortgage request amount included in the medical expenses settlement amount mortgage request information is greater than the total payment amount information included in the medical expenses payment approval information received through the medical expenses payment approval information receiver 5315. In some cases, the information checking unit 5205 may approve the security loan for the security loan request amount included in the medical bill settlement amount security request information.

According to another exemplary embodiment of the present invention, the total payment amount information included in the medical expenses payment approval information received through the medical expenses payment approval information receiving unit 5215 is a security loan request amount included in the medical expenses settlement amount mortgage request information. If greater, the information checking unit 5205 requests the total payment amount included in the medical expenses payment approval information through the information requesting unit 5210 for a predetermined period of time, and correspondingly, the medical expenses payment approval information receiving unit ( The total payment amount included in the medical expenses payment approval information for the past period included in the medical expenses payment approval information received through 5215) is set as collateral for the security loan request amount included in the medical expenses settlement amount mortgage loan request information. If it is found to be valid, the mortgage request money included in the information on the settlement amount of the mortgage loan It would be desirable to approve a secured loan on the amount.

When the security loan approval for the security loan request amount included in the medical expenses settlement amount mortgage request information is confirmed, the information checking unit 5205 may determine the security loan request amount included in the medical expenses settlement amount mortgage loan request information. Settlement amount characterized in that it is confirmed as a security loan amount.

According to the exemplary embodiment of the present invention, the information checking unit 5205 may further perform a function of adjusting the security loan request amount included in the medical expenses settlement amount collateral loan request information in connection with the medical institution terminal 5235. The present invention is not limited thereby.

When the medical expenses settlement amount collateral loan amount corresponding to the medical expenses settlement amount collateral loan request information is confirmed, the advance payment processing unit 5220 may correspond to the medical expenses settlement amount collateral loan amount information from the customer virtual account in connection with the financial system. It is characterized in that the withdrawal process is deposited into the medical institution account of the medical institution name corresponding to the medical institution information.

According to the method of the present invention, the medical institution account comprises at least one virtual account opened on the financial system in the name of the medical institution or at least one virtual account opened on the financial system in the name of the medical institution. It is preferable to comprise.

Here, the virtual account of the medical institution name is opened in the form of a virtual account linked to the financial institution mother account, or in the form of a virtual account linked to the insurance company and / or card company (financial company) mother account, or according to the implementation method If there is an institution that pays the medical bill settlement amount, it is possible to open all in the form of a virtual account associated with the mother account of the medical bill settlement agency, the present invention is not limited thereby.

According to the exemplary embodiment of the present invention, when the prepayment processing unit 5220 deposits the amount corresponding to the medical expenses settlement amount secured loan amount information into the medical institution account of the medical institution name, the information transmission unit 5230 may process the medical expenses prepayment ( Or generating predetermined medical expenses prepayment history information corresponding to the collateral loan process and transmitting the predetermined medical expenses prepayment history information to the medical institution terminal 5235 (for example, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the prepayment processing unit 5220 deposits the amount corresponding to the medical expenses settlement amount collateral loan amount information into a medical institution account of the medical institution name, the information transmission unit 5230 may process the medical expenses prepayment. Generate the medical expenses prepayment history information corresponding to (or secured loan processing) and receive the medical institution side data receiving means (e.g., a mail account of a medical institution customer or a short message service (SMS)) through a predetermined network means; Device).

The post-payment processing unit 5225 is configured to withdraw the amount corresponding to the medical expenses settlement amount collateral loan amount information from the customer virtual account by the prepayment processing unit 5220 in connection with the financial system to the medical institution name corresponding to the medical institution information. When the deposit is processed into a medical institution account, a predetermined mortgage interest is subtracted from the amount to be deposited into the medical institution account. In this case, the amount actually deposited by the prepayment processor 5220 to the medical institution account is the medical expenses settlement amount. It is preferable to include the amount of the security loan amount less the interest on the security loan.

Alternatively, the post-payment processor 5225 may be configured to withdraw the amount corresponding to the medical expenses settlement amount collateral loan amount information from the customer virtual account by the prepayment processor 5220 in association with the financial system to correspond to the medical institution information. After depositing the medical institution account in the name, the insurance company server 1530 and / or the card company (financial company) server to pay through the financial system to the customer virtual account from the insurance company and / or card company (financial company) to the medical institution. When the total amount to be deposited is received, the prepayment processing unit 5220 calculates a predetermined mortgage interest corresponding to the amount secured (or prepaid) to the medical institution account, and the calculated mortgage interest. It is characterized in that the settlement process.

According to an embodiment of the present invention, the insurer server 1530 and / or the card company (financial company) server, the total to be paid from the insurance company and / or card company (financial company) to the medical institution through the financial system to the customer virtual account. When the amount is deposited, the prepayment processing unit 5220 calculates a predetermined mortgage interest corresponding to the amount of the mortgage (or the prepayment) to the medical institution account, and then the insurance company server 1530 and / or Alternatively, it is preferable to compare the amount deposited into the customer virtual account in the card company (financial company) server with the amount secured (or prepaid) from the customer virtual account to the medical institution account.

If the comparison result, the amount deposited from the insurance company server 1530 and / or card company (financial company) server to the client virtual account is greater than the amount secured (or prepaid) from the customer virtual account to the medical institution account. In many cases, the post-settlement processing unit 5225 may calculate the mortgage interest calculated from the amount to be additionally deposited into the medical institution account from the amount deposited into the customer virtual account at the insurance company server 1530 and / or the card company (financial company) server. After deducting, it is preferable to process the payment by depositing the additional deposit amount from the customer virtual account to the medical institution account.

On the other hand, as a result of the comparison, the amount deposited from the insurance company server 1530 and / or the card company (financial company) server to the client virtual account is greater than the amount secured (or prepaid) from the customer virtual account to the medical institution account. If the amount of the additional deposit from the customer virtual account to the medical institution account is less than the calculated mortgage interest, the post-settlement processing unit 5225 is secured to the medical institution account (or prepayment processing). It is desirable to settle the mortgage interest on the amount.

Alternatively, the amount deposited from the insurance company server 1530 and / or card company (financial company) server to the customer virtual account is less than the amount secured (or prepaid) from the customer virtual account to the medical institution account. Or the remaining balance of the amount secured (or prepaid) to the medical institution account in the state where the additional deposit amount from the customer virtual account to the medical institution account is less than the calculated mortgage interest. If it is less than the interest, the post-settlement processing unit 5225 may settle the mortgage interest from the amount to be prepaid to the medical institution account next time.

According to the exemplary embodiment of the present invention, when the post-settlement processing unit 5225 post-settles the medical expenses settlement amount, the information transmission unit 5230 generates predetermined medical expenses prepaid history information corresponding to the medical expenses post-settlement processing. To the medical institution terminal 5235 (for example, a wired terminal or a wireless terminal of a medical institution customer) through a predetermined network means.

According to another exemplary embodiment of the present invention, when the post-settlement processing unit 5225 post-settles the medical expenses settlement amount, the information transmission unit 5230 may provide predetermined medical expenses prepayment detail information corresponding to the medical expenses after-treatment processing. It generates and transmits the data to the medical institution-side data receiving means (for example, a mail account of a medical institution customer, or a short message (SMS) receiving device) through a predetermined network means.

According to the method of the present invention, the information transmission unit 5230 analyzes the operation result of the medical institution account (for example, a virtual account of the medical institution name) for each medical institution, in addition to the medical expenses prepayment history information and / or medical expenses prepayment history information, The result of the medical institution account analysis report is transmitted to the medical institution terminal 5235 (e.g., a wired terminal or wireless terminal of a medical institution customer) through a predetermined network means, and / or the medical institution side data receiving means (e.g., a medical institution). Customer mail account, or a short message (SMS) receiving device).

56 is a diagram illustrating a medical expenses prepayment processing process through a medical expenses settlement amount mortgage loan procedure according to another embodiment of the present invention.

In more detail, in FIG. 56, at least one medical institution terminal 5235 on the medical insurance settlement processing system shown in FIG. 55 provides medical institution information and mortgage request amount information to the financial institution server 5200 through a predetermined network means. The insurance company and / or the insurance company based on the medical expenses settlement amount mortgage loan request information from the financial institution server 5200 when the medical expenses settlement amount mortgage loan request information for the post-settlement treatment of the medical expenses advance payment through the medical expenses settlement amount mortgage loan process is transmitted. Alternatively, the credit card company (financial company) to set the amount to be paid to the medical institution as a collateral for the process of collateral loan processing (or prepayment processing) to a predetermined medical expenses settlement amount mortgage loan amount, the technical field to which the present invention belongs If one of ordinary skill in the art, see Figure 56 and / or Although it can be modified to infer various implementation methods for the medical expenses prepayment processing process through the medical expenses settlement amount mortgage loan procedure, the present invention includes all the implementation methods inferred, limited to only the implementation method shown in FIG. Not.

Hereinafter, in FIG. 56, the financial company server 5200 on the medical insurance settlement processing system shown in FIG. 55 will be referred to as "server" for convenience, and the medical institution terminal 5235 on the medical insurance settlement processing system shown in FIG. 55 will be referred to for convenience. It is called "terminal".

Referring to FIG. 56, a terminal on the medical insurance settlement processing system shown in FIG. 55 is connected to the server through the network means and connects a communication channel for the medical expenses prepaid post payment processing through the medical expenses settlement amount security loan procedure. (5600).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

As described above, when a communication channel for medical fee prepayment and post-payment processing is connected between the terminal and the server through the medical cost settlement amount mortgage loan procedure, the terminal sends the medical expenses through the communication channel to the server through the medical cost settlement amount mortgage loan procedure. Request (5605) an interface screen for prepayment processing, and in response, the server generates an interface screen including a user interface for inputting (or selecting) the medical expenses settlement amount collateral loan request information in the terminal ( Or extract (5610) and transmit the generated (or extracted) interface screen to the terminal through the communication channel (5615).

Subsequently, the terminal inputs the medical expenses settlement amount collateral loan request information including at least one of the medical institution information and the collateral loan request amount information through the user interface for inputting (or selecting) the medical expenses settlement amount collateral loan request information ( Or select (5620).

If the terminal receives (or selects) the medical expenses settlement amount security loan request information including at least one of the medical institution information and the security loan request amount information (5625), the terminal sends the medical expenses to the server through the communication channel. The settlement amount mortgage loan request information is transmitted (5630), and correspondingly, the server transmits the settlement amount mortgage loan request information to the insurance company server 1530 and / or the card company (financial company) server through the medical institution information included in the medical expenses settlement amount mortgage loan request information. Request medical expenses payment approval information for medical institutions (5635)

Thereafter, the insurance company server 1530 and / or the card company (financial company) server extracts at least one medical expenses payment approval history corresponding to the medical institution information from a predetermined database, and includes the extracted at least one medical expenses payment approval history. The predetermined medical expenses settlement amount approval information is generated (operation 5640).

According to an embodiment of the present invention, the medical expenses payment approval information includes the total payment amount information approved for the medical institution on the basis of the current time when the medical expenses payment approval information is requested by the information requesting unit 5210, and the insurance company. And / or at least one payment date and time information for paying the approved amount of payment from the card company (financial company) to the medical institution.

When the medical expenses payment approval information is generated, the insurance company server 1530 and / or card company (financial company) server transmits the generated medical expenses payment approval information to the server through the communication means (5645), and correspondingly The server reads the received medical expenses payment approval information to check whether the security loan is approved for the security loan request amount included in the medical expenses settlement amount mortgage request information (5650).

According to an embodiment of the present invention, the server approves the security loan for the security loan request amount included in the medical expenses settlement amount collateral loan request information based on the total payment amount information and payment date information included in the medical expenses payment approval information. It is desirable to check.

According to an exemplary embodiment of the present invention, when the security loan request amount included in the medical expenses settlement amount collateral loan request information is less than or equal to the total payment amount information included in the received medical expenses payment approval information, the server may be configured to provide the medical expenses. It is desirable to approve the secured loan for the amount of the secured loan request that is included in the settled loan request information.

According to another exemplary embodiment of the present invention, when the security loan request amount included in the medical expenses settlement amount mortgage request information is larger than the total payment amount information included in the received medical expenses payment approval information, the server requests the information. The total payment amount included in the medical expenses payment approval information is requested through the unit 5210, and correspondingly, the total payment amount included in the medical expenses payment approval information included in the received medical expenses payment approval information is correspondingly included in the received medical expenses payment approval information. When it is determined that the total payment amount is valid for the collateral loan request amount included in the medical expenses settlement collateral loan request information, it is effective to secure the collateral loan for the collateral loan request amount included in the medical expenses settlement amount collateral loan request information. It is desirable to approve.

According to an embodiment of the present invention, the server may further perform a function of adjusting the security loan request amount included in the medical expenses settlement amount collateral loan request information in association with the medical institution terminal 5235, thereby This is not limited.

If it is confirmed that the security loan approval for the security loan request amount included in the medical expenses settlement amount mortgage loan request information (5655), the server may add the security loan request amount included in the medical expenses settlement amount mortgage loan request information. The amount of the actual collateral loan is calculated (5660).

According to the implementation method of the present invention, it is preferable that the security loan amount is made to include the security loan request amount included in the medical expenses settlement amount security loan request information as it is.

According to another embodiment of the present invention, when the security loan request amount included in the medical expenses settlement amount mortgage request information is adjusted, the security loan amount is adjusted from the security loan request amount included in the medical expenses settlement amount mortgage loan request information. It is preferable to include the amount of money.

Thereafter, the server processes a prepayment to the medical institution account in an amount corresponding to the mortgage amount information in association with the financial system (5665).

If the amount corresponding to the mortgage loan amount information is prepaid (or secured loan processing) to the medical institution account (5670), the server writes a predetermined medical institution specific bank account corresponding to the medical expenses prepayment processing (or secured loan processing). After generating the account book information for the medical institution exclusively including the information and storing it in the ledger D / B (5675), predetermined medical expenses prepayment history information (or collateral loan history information) corresponding to the medical expenses prepayment processing (or secured loan processing) ) Is generated and transmitted to the terminal (5680).

57 is a diagram illustrating a post-settlement process of a medical bill settlement amount processed by a mortgage loan according to another embodiment of the present invention.

In more detail, FIG. 57 shows the insurer and / or card company (financial company) to the medical institution through the medical expenses prepayment process shown in FIG. 56 in the financial company server 5200 on the medical insurance settlement processing system shown in FIG. 55. After the prepayment (or mortgage) of the medical expenses due to be paid to the medical institution account, and the total payment amount to be paid to the medical institution by the insurance company and / or card company (financial company), the insurance company and / or This is about the process of settlement of the amount of prepayment (or mortgage) to the medical institution account through the amount deposited from the card company (financial company), if the person of ordinary skill in the art to which the present invention belongs Variation in the post-settlement process of the settlement of medical expenses settled by mortgage by referring and / or modifying Exemplary method would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 57.

Hereinafter, in FIG. 57, the financial company server 5200 on the medical insurance settlement processing system shown in FIG. 55 will be referred to as a "server" for convenience, and the medical institution terminal 5235 on the medical insurance settlement processing system shown in FIG. 55 will be referred to for convenience. It is called "terminal".

Referring to FIG. 57, the insurer and / or card company (financial company) is provided to the medical institution through the medical expenses prepayment process shown in FIG. 56 at the financial company server 5200 on the medical insurance settlement processing system shown in FIG. 55. After the prepayment (or mortgage) of the medical expenses to be paid to the medical institution account, the server from the insurance company and / or card company (financial company) server to the customer virtual account provided on the financial system and the insurance company and / Alternatively, the card company (financial company) checks whether the medical expenses settlement amount to be paid to the medical institution is deposited (5700).

If the amount of medical expenses to be paid from the insurance company and / or card company (financial company) to the medical institution is deposited from the insurance company and / or card company (financial company) server on the financial system (5705), The server calculates a predetermined mortgage interest according to the medical expenses prepayment process shown in FIG. 56 (5710), and also deposits the amount of money deposited from the insurance company and / or the card company (financial company) into the customer virtual account provided on the financial system. By comparing the amount prepaid (or secured) by the server to the medical institution account through the process shown in FIG. 56, the server further deposits a predetermined deposit to the medical institution account through the financial system. The deposit amount is calculated (5715).

Thereafter, the server compares the calculated mortgage interest with the calculated additional deposit amount, thereby confirming whether or not the settlement process for the security interest through the additional deposit amount is settled (5720).

According to an embodiment of the present invention, if the amount of money deposited from the insurance company and / or card company (financial company) server to the customer virtual account is greater than the amount of prepayment (or mortgage) from the customer virtual account to the medical institution account The server may settle the calculated mortgage interest from the amount of money deposited into the customer virtual account (or the calculated additional deposit amount) from the insurance company and / or card company (financial company) server.

If it is possible to process the secured loan interest from the additional deposit amount as a result of the settlement processing confirmation of the secured loan interest (5725), the server calculates the calculated amount from the amount deposited from the insurance company and / or card company (financial company). The final deposit amount to be deposited from the customer virtual account to the medical institution account is calculated by processing the mortgage interest (5730), and the final deposit amount calculated in connection with the financial system is transferred to the medical institution account from the customer virtual account. And deposits the medical institution-specific bankbook ledger information including the predetermined medical institution-specific bankbook entry information corresponding to the deposit processing of the final deposit amount (5735) and stores it in the ledger D / B.

On the other hand, if the settlement processing confirmation result for the mortgage interest is confirmed and the secured loan interest cannot be settled from the additional deposit amount (5725), the server processes the prepayment to the medical institution account through the process shown in FIG. It is checked whether it is possible to process the calculated mortgage interest from the amount of the collateralized loan) (5740).

According to the method of the present invention, if the balance of the medical institution account is greater than the calculated mortgage interest, the mortgage interest may be settled from the amount prepaid (or secured loan) to the medical institution account.

If the mortgage interest can be settled from the amount prepaid (or secured) in the medical institution account (5745), the server transfers the calculated additional deposit amount to the medical institution account in connection with the financial system. Before and after the deposit processing, the mortgage interest is settled from the balance of the medical institution account (5750), and the medical institution-specific bank account book information including the predetermined medical institution account book information corresponding to the settlement processing of the mortgage interest is generated; The data is stored in the ledger D / B (5753).

On the other hand, if the mortgage interest cannot be settled from the amount prepaid (or secured loan) in the medical institution account (5745), the server transfers the calculated additional deposit amount to the medical institution account in connection with the financial system. Before and after the deposit processing, the mortgage interest is registered (or reserved) to be preferentially processed in the next medical expenses prepayment process as shown in FIG. 56 (5755).

According to the present invention, by issuing a card with a virtual account for the settlement process through the salary-based medical insurance and non-wage-based medical insurance and customer contributions to a predetermined private medical insurance subscriber, the subscriber through the hospital. When the service is provided, the card has the advantage of automating the conventional complicated private medical insurance service process.

According to the present invention, by automating the private medical insurance service process through a card provided with a virtual account for the predetermined private medical insurance subscribers to settle through the salary-based medical insurance and non-wage-based medical insurance and customer contributions, Both hospitals and clinics have the advantage of being able to conveniently receive private medical insurance services.

Claims (6)

Account setting means for setting a deposit account for each medical institution such that the premiums paid by the private medical insurance company and the premiums paid by the National Medical Insurance Corporation are deposited in a single account; Information checking means for confirming whether a predetermined insurance money is deposited into a medical expenses deposit account for each medical institution; And And account management means for periodically depositing the insurance money deposited in the deposit account into the medical institution account or for processing the loan provided to the medical institution. An account setting means for setting a deposit account for each medical institution such that the premiums paid by the private medical insurance company, the premiums paid by the National Medical Insurance Corporation, and the medical expenses paid by the financial company corresponding to the customer payment method are deposited in a single account; Information checking means for confirming whether a predetermined amount of insurance money and medical expenses are received in a medical expenses deposit account for each medical institution; And And account management means for periodically depositing the insurance money and medical expenses deposited into the deposit account into the medical institution account, or processing the loan amount provided to the medical institution. The method according to claim 1 or 2, And a loan processing unit for prepaying a predetermined loan to the medical institution account before the predetermined amount is deposited into the medical expenses deposit account of the medical institution. According to claim 1 or 2, wherein the deposit account for each medical institution, Account management system comprising a virtual account. A computer-readable recording medium having recorded thereon a program for executing a function of the system constituent means of claim 1. delete

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