TWI816103B - System for obtaining claiming data through integrated platform and depositing on block-chain and method thereof - Google Patents

Abstract

A system for obtaining claiming data through an integrated platform and depositing on a block-chain and a method thereof are provided. By generating a claim application data contained a patient identification by a client, requesting patient data from the medical server according to the patient identification by the integrated platform for claiming, and transmitting the patient claiming data included the claim application data and the patient data from the integrated platform to the block-chain, the system and the method can reduce time of applying for claims for insured from insurance companies, and can achieve the effect of providing a safe and convenient data transfer mechanism between insurance companies and medical institutions.

Description

System and method for obtaining claims information from an integrated platform and storing it on the blockchain

An online claims settlement system and method thereof, specifically refers to a system and method for obtaining data for claim settlement through an integrated platform and blockchain.

In the past, when the insured requested a claim from the insurance company, he had to apply for a diagnosis certificate from a medical institution and wait for the diagnosis certificate to be issued. After obtaining the diagnosis certificate, the insured also needed to submit a document containing the diagnosis certificate and the certificate to the insurance company. Claims application documents including medical record investigation consent form and other information to apply for claims. After receiving the claim application documents, the insurance company will review the authenticity of the claim application documents, investigate the insured's medical records from the medical institution, and make claims based on the insured's medical records obtained through the investigation.

Although insurance companies now also provide an online claim application mechanism, the insured still needs to fill in the claim application information online and upload the diagnosis certificate, medical record investigation consent form and other information. In this way, the insured still needs to spend extra time Go to a mechanical therapy institution to apply and wait for the diagnosis certificate to be issued. At the same time, if the insured wants to apply for claims from multiple insurance companies, he also needs to go to each insurance company one by one. The company's server fills in the claim application information. In addition, each insurance company also needs to sign a contract with each medical institution to transfer medical record information. Otherwise, you still need to go to the medical institution in person to investigate the medical records.

In addition, there are currently related technologies for sharing medical records through blockchain. For example, the Republic of China Patent No. I683275/M569002 discloses that the reader information device can write medical record information into the blockchain and transmit it to the medical record center server for storage. When the reader information device needs to read the medical record information, You can use the key provided by the medical records center server for identity verification. However, since the medical record information written into the blockchain by the reading end information device is in clear text, anyone who can access the blockchain can obtain the medical record information, and the patient cannot maintain privacy; another example is Republic of China No. 202001926 The patent application reveals that the hospital system encrypts medical records and writes them into the blockchain. Patients can use the key issued by the hospital system to decrypt the medical records recorded on the blockchain. Although this application can only allow patients Viewing your own medical records maintains your own privacy, but it cannot be shared with other units. Insurance companies cannot obtain the patient's medical records from the blockchain. They still need to go to a medical institution to obtain the patient's medical records.

To sum up, it can be seen that in the previous technology, the insured has long had to spend extra time to apply for claims from various insurance companies, and each insurance company has to spend costs to sign contracts with various medical institutions in order to maintain patient privacy. There is a problem in obtaining patient records, so it is necessary to propose improved technical means to solve this problem.

In view of the problem in the previous technology that the insured needs to spend extra time to apply for claims from various insurance companies, and each insurance company needs to spend costs to sign contracts with various medical institutions to connect, the present invention discloses a method that obtains claims data from an integrated platform and provides it to the district. System and method of blockchain certificate storage, including: The system disclosed by the present invention that obtains claims data from an integrated platform and stores it in the blockchain at least includes: a medical host to obtain consent data including a time interval; a client to generate a claim application including identity identification data Data; insurance server, used to obtain claim application data; platform host, used to obtain claim application data, and request patient information from the medical host based on the identity identification data, so that the medical host generates patient data based on time intervals, and the platform host It is used to transmit patient information to the insurance server, so that the insurance server can perform claim settlement operations based on the patient information, and the platform host is used to generate patient claim data including claim application data and patient data, and publish the patient claim data. to the alliance blockchain, and perform calculations on patient claims data to generate calculation values, and publish the calculation values to the public blockchain.

The method disclosed by the present invention for obtaining claims data from an integrated platform and storing it on a blockchain includes at least the following steps: a medical host obtains consent data including a time interval; the client generates claim application data including identity recognition data; the insurance server The server and the platform host obtain the claim application information and; the platform host requests patient information from the medical host based on the identity recognition data. The medical host generates patient information based on the time interval and transmits the patient information to the platform host; the platform host transmits the patient information The data is sent to the insurance server, allowing the insurance server to perform claims settlement operations based on patient data; the platform host or insurance server generates patient claims data including claim application data and patient data, and publishes the patient claims data to the alliance area In the blockchain; the platform host performs calculations on patient claims data to generate calculation values, and publishes the calculation values to the public blockchain.

The system and method disclosed by the present invention are as above. The difference between them and the prior art is that after the present invention generates claims application data containing the patient's identification data through the client, the platform host requests the patient information from the medical host based on the identity identification data. Provide the patient information to the insurance server for claim settlement, and encrypt the patient claim data including the claim application data and patient data and publish it to the block The chain can solve the problems existing in the previous technology, and can allow the insured to complete the claim application in less time and provide safe and convenient information between insurance companies and multiple medical institutions, and medical institutions and multiple insurance companies. Technical efficacy of delivery mechanisms.

110:Client

120:Medical host

130:Platform host

141: Alliance Blockchain

145: Public blockchain

151, 152: Insurance server

Step 210: Medical host obtains consent information

Step 220: The client obtains the identification information and generates claims application data containing the identification information.

Step 230: The insurance server and platform host obtain the claim application information

Step 241: The insurance server determines whether the patient is a policyholder based on the identification information.

Step 245: The platform host sends a notification message to the client user based on the communication data in the claim application data.

Step 250: The platform host requests patient information from the medical host based on the identification information.

Step 260: The medical host generates patient data based on the time interval in the agreed data, and transmits the patient data to the platform host

Step 270: The platform host transmits the patient information to the insurance server, and the insurance server performs claim settlement based on the patient information.

Step 281: The platform host or insurance server generates patient claims data including claim application data and patient data, and publishes the patient claims data to the alliance blockchain

Step 285: The platform host performs calculations on the patient claims data to generate calculation values, and publishes the calculation values to the public blockchain

Step 310: The insurance server transfers the legal currency value to the virtual account corresponding to the platform host

Step 320: The platform host converts the legal currency value into the virtual currency value corresponding to the insurance server

Step 350: After requesting patient information from the medical host, the platform host increases the virtual currency value corresponding to the medical host.

Step 360: After the platform host transmits the patient data to the insurance server, or publishes the patient claims data to the alliance blockchain, or publishes the calculation value to the public blockchain, it communicates with the insurance server. The corresponding virtual currency value is reduced by the corresponding value.

Figure 1 is a system architecture diagram for obtaining claims data from an integrated platform and storing it on the blockchain as proposed by the present invention.

Figure 2A is a flow chart of the method proposed by the present invention for obtaining claims data from an integrated platform and storing it in the blockchain.

Figure 2B is a flow chart of an additional method for claim settlement through integrating platform and blockchain to obtain data according to the present invention.

Figure 3 is a flow chart of the method proposed by the present invention for the platform host to calculate the virtual currency corresponding to the insurance server.

The features and implementations of the present invention will be described in detail below with reference to the drawings and examples. The content is sufficient to enable any person familiar with the relevant art to easily fully understand the technical means used to solve the technical problems of the present invention and implement them accordingly, thereby achieving The effect that the present invention can achieve.

The present invention can operate the client to generate claim application data, so that the platform host of an impartial third party obtains the patient information of the patient from the medical host, so that the insurance server provided by the insurance company can perform claim settlement operations based on the obtained patient information, and at the same time The platform host will combine the claim application information and patient information The information is encrypted and published to the blockchain for certification. Among them, the client, insurance server, platform host, and medical host mentioned in the present invention can all be computing devices.

The computing device mentioned in the present invention includes but is not limited to one or more processing modules, one or more memory modules, and buses and other hardware connecting different hardware components (including memory modules and processing modules). body components. Through the multiple hardware components included, the computing device can load and execute the operating system, so that the operating system can run on the computing device, and can also execute software or programs. In addition, the computing device also includes a casing, and the above-mentioned hardware components are arranged in the casing.

The bus of the computing device mentioned in the present invention may include one or more types, such as a data bus, an address bus, a control bus, and an extended function bus. expansion bus), and/or local bus (local bus) and other types of buses. Buses for computing equipment include, but are not limited to, Industry Standard Architecture (ISA) buses, Peripheral Component Interconnect (PCI) buses, Video Electronics Standards Association (VESA) Domain bus, serial Universal Serial Bus (USB), Peripheral Component Interconnect Express (PCI Express, PCI-E/PCIe) bus, etc.

The processing module of the computing device of the present invention is coupled to the bus. The processing module includes a register group or register space. The register group or register space can be completely set on the processing chip of the processing module, or all or part of it can be set outside the processing chip. and coupled to the processing chip via dedicated electrical connections and/or via busbars. The processing module can be a central processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processing modules, the processing modules included in the computing device are all the same or similar, and are coupled and communicated through a bus. The processing module can interpret a computer instruction or a sequence of multiple computer instructions to perform a specific Certain calculations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., are used to drive other hardware components in the computing device or run the operating system or execute various programs and/or modules.

Computing devices usually also contain one or more chipsets. The processing module of the computing device may be coupled to the chipset or electrically connected to the chipset through a bus. The chipset is composed of one or more integrated circuits (ICs), including memory controllers and peripheral input/output (I/O) controllers, that is, memory controllers and peripheral I/O controls. The device can be contained within a single integrated circuit, or it can be implemented using two or more integrated circuits. The chipset usually provides input/output and memory management functions, as well as multiple general-purpose and/or special-purpose registers, timers, etc., where the above-mentioned general-purpose and/or special-purpose registers and timers can be coupled or One or more processing modules electrically connected to the chipset for access or use.

The processing module of the computing device can also access data in the memory modules and mass storage areas installed on the computing device through the memory controller. The above memory modules include any type of volatile memory (volatile memory) and/or non-volatile memory (NVRAM) memory, such as static random access memory (Static Random Access Memory, SRAM) , dynamic random access memory (Dynamic Random Access Memory, DRAM), read-only memory (Read-Only Memory, ROM), flash memory (Flash memory), etc. The above-mentioned mass storage area can include any type of storage device or storage media, such as a hard drive, optical disc, flash drive, memory card, solid state disk ,SSD), or any other storage device, etc. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard disk drives, and solid state drives.

The processing module of the computing device can also connect and communicate with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral I/O bus through the peripheral I/O controller. The peripheral input device can be any type of input device, such as keyboard, mouse, trackball, touch pad, joystick, etc. The peripheral output device can be any type of output device, such as a monitor, printer, etc. The peripheral input device It can also be the same device as the peripheral output device, such as a touch screen. The communication interface may include a wireless communication interface and/or a wired communication interface. The wireless communication interface may include support for wireless local area network (such as Wi-Fi, Zigbee, etc.), Bluetooth, infrared, near-field communication (NFC), Interfaces for mobile communication networks (cellular networks) such as 3G/4G/5G or other wireless data transmission protocols. The wired communication interface can be an Ethernet device, a DSL modem, a cable modem, or asynchronous transmission. Mode (Asynchronous Transfer Mode, ATM) devices, or optical fiber communication interfaces and/or components, etc. The processing module can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the hardware components described above. Communicate.

The system operation of the present invention is first described below with reference to "Figure 1", a system architecture diagram of obtaining claim data from an integrated platform and storing it on a blockchain, as proposed by the present invention. As shown in "Figure 1", the system of the present invention includes a medical host 120, a client 110, a platform host 130, and an insurance server 151. Among them, the medical host 120 and the client 110, the medical host and the platform host 130, and the client 110 and the insurance server 151 can be connected through a wired network or a wireless network to transmit data or signals to each other; the platform host 130 and the insurance server 151 can be connected to the same consortium blockchain 141. The above-mentioned wired network includes but is not limited to Ethernet or optical fiber network, etc.; the above-mentioned wireless network such as mobile communication network, wireless local area network, Bluetooth, infrared, near field communication, etc., but the present invention does not use this is limited.

The client 110 may be a computing device such as a computer or a mobile phone, but the present invention is not limited thereto.

The client 110 is responsible for obtaining the patient's identification information. Generally speaking, the client 110 can provide the user to input the patient's identification information, but the present invention is not limited thereto. For example, the client 110 can also load pre-recorded identification information. Among them, the patient's identification information mentioned in the present invention is information sufficient to identify the patient, including but not limited to the patient's ID number, passport number, work permit number, etc.

The client 110 is also responsible for generating claim application data including the obtained identification information, and transmitting the generated claim application data to the insurance server 151 or the platform host 130 . In addition to identification information, the claim application information may also include information such as forms or documents for applying for a claim. In some embodiments, the claim application data may also include the company identification data of the insurance company applying for the claim, the institution identification data of the medical institution where the patient was treated, and/or the communication data of the patient or the patient's family. Among them, the client 110 can send the obtained identification information to the platform host 130, thereby obtaining the company identification information of the insurance company where the patient is insured through the platform host 130.

The medical host 120 is responsible for obtaining the patient's consent information and storing the obtained consent information, and may use the consent information as part of the patient's information. Among them, the patient's consent information includes the patient's identification information, the time interval (and cause of illness) that the patient is allowed to provide, and other documents such as the consent form for medical record investigation signed by the patient (or the patient's family member). Among them, the consent The data can include scanned files or image files of paper documents, or files that record the content in text format and include image files of signatures, or files that record the content in text format through digital signatures, etc. However, the form of the data does not have to be agreed upon. Not limited to the above. In some embodiments, the medical host 120 may convert the consent data into a specific format and then store it.

The medical host 120 can also receive the identification data sent by the platform host 130, and can obtain the medical record data of the indicated patient in the time interval in the consent data based on the received identification data, or can also obtain the medical record data based on the read out The medical record data generates diagnostic certificate data (such as reading the date of consultation and treatment records from the medical record data and arranging the read data into diagnostic certificate data in a predetermined format), and the generated diagnostic certificate data can be combined with The patient-related data is transmitted to the platform host 130 as patient data. Among them, the information related to the patient, such as consent information, etc., is not limited to this invention.

In some embodiments, the medical host 120 may also first determine whether the identity recognition data received from the platform host 130 is consistent with the pre-established consent data. If there is consent data that is consistent with the identity recognition data received from the platform host 130, Then the medical host 120 can obtain the patient information of the represented patient based on the identification information. If the consent information does not match the identification information received from the platform host 130, the medical host 120 will not obtain the patient information.

The medical host 120 is also responsible for transmitting the read patient data to the platform host 130 . Generally speaking, the medical host 120 can transmit patient information to the platform host 130 through a digital envelope.

The platform host 130 can receive the electronic policy transmitted by the insurance server 151, sign the received electronic policy, and store the signed electronic policy. The platform host 130 can also generate the certification data of the received electronic policy, and can publish the generated certification data to the alliance blockchain 141, so as to store the received electronic policy through the alliance blockchain 141. .

The platform host 130 can receive the identification information transmitted by the client 110, and can read the company identification information of the insurance company that provides the policy information corresponding to the received identification information from the maintained customer insurance record, and can Send the obtained company identification information to the client 110. The customer insurance records maintained by the platform host 130 can store the policy information of all policyholders of multiple insurance companies.

The platform host 130 is responsible for obtaining claim application information. The claim application information obtained by the platform host 130 may be transmitted by the client 110 or the insurance server 151 . In some embodiments, the platform host 130 may also determine that the claim application data contains the company identification data of an insurance company that is not the insurance server 151 that provides the claim application data, and send the obtained claim application data to the claim application server. Insurance servers 152 provided by other insurance companies corresponding to the company identification data contained in the data.

The platform host 130 is also responsible for requesting patient information from the medical host 120 based on the identification information in the claim application data. Generally speaking, the platform host 130 can transmit identification information to the medical host 120 through a digital envelope, and can receive patient information returned by the medical host 120 through a digital envelope, thereby improving data security. However, the present invention does not It is limited to transmitting patient information through digital envelopes. For example, the platform host 130 can also use plain text to transmit the identification information to the medical host 120, and can receive the patient information returned by the medical host 120 through the digital envelope; for another example, in security In a sexually permissible environment, the platform host 130 may also use plain text to transmit identification information to the medical host 120, and receive patient information transmitted in clear text from the medical host 120.

The platform host 130 is also responsible for generating patient claim data including claim application data received from the client 110 or the insurance server 151 and patient data received from the medical host 120, and is responsible for publishing the generated patient claim data to the alliance. Blockchain141. In some embodiments, the platform host 130 can also perform specific operations on the patient data to generate operation values, and then publish the generated operation values to the public blockchain 145 .

The platform host 130 can also note in the claim application data that the patient is not a policy holder, and send a notification message indicating that the patient is not a policy holder based on the communication data in the claim application data to the user of the client 110 (usually the patient). patients or family members of patients). The communication data may be a mobile phone number, an email account, an instant messaging account, etc., but the invention is not limited thereto.

The platform host 130 may also convert the legal currency value transferred into the virtual account by the insurance server 151 into a virtual currency value corresponding to the insurance server 151 . The platform host 130 can provide an application program interface to the insurance server 151, so that the insurance server 151 can transfer legal currency to the virtual account applied by the institution that provides the platform host 130 to the bank through the application program interface.

The platform host 130 can also increase the virtual currency value corresponding to the medical host 120 by a corresponding value when receiving the patient data sent by the medical host 120; the platform host 130 can also add the corresponding value when transmitting the patient data to the insurance server 151. Or when publishing patient claims data to the alliance blockchain, or when publishing calculation values to the public blockchain, the platform host 130 can reduce the virtual currency value corresponding to the insurance server 151 by the corresponding value.

The insurance server 151 can generate an electronic policy signed with the policyholder, and can transmit the generated electronic policy to the platform host 130 .

The insurance server 151 is responsible for obtaining claim application information. The insurance server 151 can receive the claim application data generated by the client 110, and can also receive the claim application data forwarded by the platform host 130 in a digital envelope.

The insurance server 151 may also determine whether the patient represented by the identification data in the obtained claim application data is a policyholder. For example, the insurance server 151 can determine whether there is identification information in the policyholder information that is the same as the identification information in the claim application data. If so, it means that the patient represented by the identification information is the policyholder; otherwise, the policyholder information does not exist in the claim application data If the identification data is the same as the identification data, it means that the patient represented by the identification data is not a policy holder, but the insurance server 151 determines whether the patient represented by the identification data in the claim application data is a policy holder. Not limited to the above, for example, the insurance server 151 may also determine whether there is an electronic policy containing the identification information in the claim application data, and may determine whether the existing electronic policy is expired and/or valid. When the electronic policy has not expired and is still valid, the insurance server 151 can determine that the patient represented by the identification data in the claim application data is the policyholder. On the contrary, when there is no electronic policy containing the identification data in the claim application data, The policy, or when the electronic policy has expired or the electronic policy is invalid, the insurance server 151 can determine that the patient represented by the identification data in the claim application data is not a policyholder.

When the insurance server 151 determines that the patient represented by the identification data in the claim application data is the policy holder, the insurance server 151 may also mark the patient as the policy holder in the claim application data; the insurance server 151 may also determine in the claim application data that the patient is the policy holder. When the patient represented by the identification data is not a policy holder, it shall be noted in the claim application data that the patient is not a policy holder.

The insurance server 151 is also responsible for obtaining patient information and executing claims based on the obtained patient information. Generally speaking, the insurance server 151 can receive the patient information obtained by the platform host 130 from the medical host 120 .

The insurance server 151 can also read the pre-stored electronic policy based on the identification information contained in the received claim application data, and send care information to the salesperson based on the salesperson information in the read electronic policy. Among them, the care information can indicate that the policyholder is injured or sick, and can include information that allows the salesperson to find the policyholder (such as policyholder identification information, etc.); the salesperson information can be the salesperson's communication information, or the salesperson's contact information. Based on the business identification data of the insurance company, the insurance server 151 can directly transmit care information to the mobile phone or tablet used by the salesperson based on the communication data. The mobile device can also read the communication data of the corresponding salesperson based on the business identification data, and then transmit the care information to the mobile device used by the salesperson based on the communication data.

Next, an embodiment will be used to explain the operating system and method of the present invention, and please refer to "Figure 2A" for the flow chart of the method of obtaining claim data from the integrated platform and storing it in the blockchain.

If the patient purchases insurance products from an insurance company before becoming ill or injured, the insurance server 151 can generate an electronic policy for the insurance products purchased by the patient. When a patient wishes to apply for a claim for the purchased insurance product after visiting a medical institution, the patient or the patient's family can choose to use the present invention to apply for a claim, and the patient can sign a consent form for medical record investigation at the medical institution, so that the medical treatment Host 120 may obtain consent information (step 210). In this embodiment, it is assumed that the medical staff of the medical institution can scan the medical record investigation consent form into an image file, and then upload the image file and the patient's patient number (the patient's identification code in the medical institution) to the medical host 120 .

Next, the patient or the patient's family member can operate the client 110 so that the client 110 generates claim application data (step 220). In this embodiment, it is assumed that the patient or the patient's family can operate the client 110 to connect to the insurance server 151 or platform host 130 provided by any insurance company that supports the present invention. The insurance server 151 or platform host 130 can provide The client 110 displays an input interface for claim application data. In the input interface, the patient or the patient's family member can be provided with input identification information, and the patient or the patient's family member can also be provided with the input or selection of a medical institution for treatment. The client 110 can also provide the patient or the patient's family members to input the insurance company to apply for claims.

After the client 110 generates the claim application data, the insurance server 151 and the platform host 130 can obtain the claim application data (step 230). In this embodiment, it is assumed that the client 110 can transmit the claim application data to the insurance server 151, and the insurance server 151 can receive the claim application data. After receiving the information, the received claim application data is encrypted, and the encrypted claim application data and the identification information in the claim application data are sent to the platform host 130; the client 110 can also send the claim application data to the platform host 130 , and the platform host 130 transfers the claim application data to the insurance server 151 corresponding to the company identification data based on the company identification data in the claim application data. The insurance server 151 can, after receiving the claim application data, transfer the received The claim application data is encrypted, and the encrypted claim application data is transmitted back to the platform host 130. Among them, the insurance server 151 can encrypt the personal data in the claim application data in an irretrievable manner, and encrypt other contents in the claim application data in a reducible manner.

In addition, after the insurance server 151 obtains the claim application data, the insurance server 151 can also first determine the disease represented by the identification data based on the identification data contained in the claim application data as shown in "Figure 2B". Whether the patient is a policyholder (step 241), for example, the insurance server 151 can first determine whether a corresponding policy exists based on the identity recognition data, and then determine whether the policy is expired or valid. If there is a policy corresponding to the identification data, and the policy has not yet expired and is valid, the insurance server 151 can add a note indicating that the patient represented by the identification data is the policyholder in the claim application data; if there is no such policy. If there is a policy corresponding to the identification data, or there is a policy corresponding to the identification data, but the policy has expired or is invalid, the insurance server 151 can add to the claim application data an indication that the patient represented by the identification data is not a patient. Policyholder's Note.

After the platform host 130 receives the claim application data, it can transmit the identity identification data to the medical host 120 corresponding to the institution identification data of the medical institution recorded in the claim application data, thereby requesting patient information from the medical host 120 (step 250 ). In this embodiment, since the claim application data is encrypted, the platform host 130 can decrypt the claim application data to obtain the institution identification information in the claim application data. Among them, if the claim application data indicates that the patient is not a policy holder, the platform host 130 The generated notification message can be sent to the user of the client 110 based on the communication data included in the claim application data, that is, the notification message is sent to the client 110 or a mobile phone or other computing device used by the patient or the patient's family member ( Step 245).

After receiving the patient's identification information sent by the platform host 130, the medical host 120 can obtain the patient's consent information based on the received identification information, and obtain the consent information based on the identification information within the time interval defined in medical record data, and can generate diagnosis certificate data based on the obtained medical record data, and generate patient data including the generated diagnosis certificate data and consent data, and transmit the generated patient data back to the platform host 130 (step 260 ).

After the platform host 130 obtains the patient information, the platform host 130 can transmit the patient information to the insurance server 151. After receiving the patient information, the insurance server 151 can perform a claim settlement operation based on the obtained patient information (step 270).

Similarly, after the platform host 130 or the insurance server 151 obtains the patient information, the platform host 130 or the insurance server 151 can generate patient claim data including claim application data and patient data, and can publish the patient claim data to the alliance. in the blockchain 141 (step 281). In addition, the platform host 130 may also perform calculations on the patient claims data to generate calculation values, and may publish the generated calculation values to the public blockchain 145 (step 285).

In this way, through the present invention, for patients or their families, there is no need to wait for time to obtain medical records, and only one claim application can be accepted by all insurance companies; for medical institutions, the patient can be transferred through the platform host The information is given to all insurance companies; for insurance companies, the risk of false information can be reduced.

In the above embodiment, after the insurance server 151 performs the claim settlement operation based on the patient data (step 270), the insurance server 151 can obtain the electronic policy based on the claim settlement application data, and can obtain the electronic policy based on the claim settlement application data. The salesperson information in the electronic policy transmits the care information to the salesperson's mobile device (step 290), so that the salesperson can proactively care for the patient.

In addition, in the above embodiment, as shown in the process of "Figure 3", before the insurance server 151 uses the service of the present invention, the insurance server 151 can transfer the legal currency value from the account corresponding to the insurance server 151 To the virtual account corresponding to the platform host 130 (step 310), the platform host 130 can convert the legal currency value transferred into the virtual account into the corresponding virtual currency value (step 320). For example, the platform host 130 can provide an application program interface to the insurance server 151, and the insurance server 151 can transfer a certain amount of New Taiwan dollars from the account of the insurance company to the provider of the platform host 130 through the application program interface provided by the platform host 130. In the virtual account applied by the institution to the bank, the platform host 130 can convert the amount of New Taiwan dollars transferred into the virtual account into the amount of virtual currency corresponding to the insurance server 151 .

After the platform host 130 converts the legal currency value transferred into the virtual account by the insurance server 151 into the corresponding virtual currency value (step 320), the insurance server 151 can use the present invention. When the platform host 130 obtains it from the medical host 120 After the patient information (step 250), the platform host 130 can add a corresponding value to the virtual currency value corresponding to the medical host 120, and the medical institution that provides the medical host 120 can settle with the bank that provides the virtual account corresponding to the platform host 130 based on the virtual currency value. , thereby converting the virtual currency value of the virtual account into New Taiwan Dollars (step 350); and the platform host 130 transmits the patient information to the insurance server 151 (step 270), or publishes the patient claim data to the alliance blockchain After (step 281), or after publishing the calculation value to the public blockchain (step 285), the platform host 130 can reduce the virtual currency value corresponding to the insurance server 151 by the corresponding value (step 360).

In summary, it can be seen that the difference between the present invention and the prior art is that after the client generates the claim application data containing the patient's identification data, the platform host submits the claim application data to the patient based on the identification data. The medical host requests patient data and provides the patient data to the insurance server for claim settlement, and encrypts the patient claim data including the claim application data and patient data and publishes it to the blockchain. Through this technical means, Technical means can solve the problem of the previous technology that the insured needs to spend extra time to apply for claims from various insurance companies, and each insurance company needs to spend costs to contract and connect with various medical institutions, thereby allowing the insured to spend less time. It has the technical effect of completing claim applications in a timely manner and providing a safe and convenient data transfer mechanism between insurance companies and multiple medical institutions and medical institutions and multiple insurance companies.

Furthermore, the method of obtaining claims data from the integrated platform and storing it in the blockchain can be implemented in hardware, software, or a combination of hardware and software. It can also be implemented in a centralized manner in a computer system or in a computer system. A decentralized implementation in which different components are spread across several interconnected computer systems.

Although the embodiments of the present invention are disclosed above, the content described is not intended to directly limit the scope of patent protection of the present invention. Anyone with ordinary knowledge in the technical field to which the present invention belongs can make slight modifications and modifications to the form and details of the implementation of the present invention without departing from the spirit and scope disclosed by the present invention, which shall fall under the patent protection of the present invention. Scope. The scope of patent protection for this invention must still be defined by the scope of the attached patent application.

Step 210: Medical host obtains consent information

Step 220: The client obtains the identification information and generates claims application data containing the identification information.

Step 230: The insurance server and platform host obtain the claim application information

Step 250: The platform host requests patient information from the medical host based on the identification information.

Step 260: The medical host generates patient data based on the time interval in the agreed data, and transmits the patient data to the platform host

Step 270: The platform host transmits the patient information to the insurance server, and the insurance server performs claim settlement based on the patient information.

Step 281: The platform host or insurance server generates patient claims data including claim application data and patient data, and publishes the patient claims data to the alliance blockchain

Step 285: The platform host performs calculations on the patient claims data to generate calculation values, and publishes the calculation values to the public blockchain

Claims (10)

A method for obtaining claims data from an integrated platform and storing it on a blockchain. The method at least includes the following steps: a medical host obtains a consent data, the consent data includes an identification data and a time interval; a client obtains the Identification information, and generate claim application data containing the identification information; an insurance server and a platform host obtain the claim application information; the platform host requests patient information from the medical host based on the identification information; the The medical host obtains the consent information that matches the identification information, and obtains medical record information within the time interval based on the identification information; the medical host generates the patient information including the medical record information, and records the patient's The data is sent to the platform host; the platform host sends the patient information to the insurance server, so that the insurance server performs claim settlement operations based on the patient information; the platform host or the insurance server generates information containing the claim application information and The patient information includes patient claims information, and the patient claims information is published to an alliance blockchain, and the alliance blockchain is connected in series with the platform host and the insurance server; and the platform host The patient claims data is calculated to generate a calculation value, and the calculation value is published to a public blockchain, which is connected in series with the platform host and the client. As described in claim 1, the method of obtaining claims data from an integrated platform and storing it on the blockchain, wherein the medical host generates the patient data based on the time interval and transmits the patient data The steps for the platform host further include the medical host reading the patient data within the time interval based on the identification data, encrypting the patient data, and sending the encrypted patient data to the platform host through a digital envelope. The platform host, and the steps for the insurance server to perform claims processing based on the patient data further include the steps for the insurance server to decrypt the encrypted patient data. As described in claim 1, the method for obtaining claim data from an integrated platform and storing it on a blockchain, wherein the platform host obtains the claim application data, and the steps for the platform host to obtain the claim application data further include the insurance server transferring the claim data to the platform host. The step of transmitting the encrypted claim application data to the platform host after the personal data in the claim application data is encrypted in an irreversible manner and the identification data in the claim application data is reversibly encrypted. The method of obtaining claim information from an integrated platform and storing it on a blockchain as described in request 1, wherein the step for the insurance server to obtain the claim application information is for the insurance server to receive the claim application sent by the client. Information or receive the claim application information sent by the client in a digital envelope sent by the platform host. As described in claim 1, the method of obtaining claims information from an integrated platform and storing it on a blockchain, wherein the method further includes the insurance server transferring a legal currency value to a virtual account corresponding to the platform host, and the platform The host converts the legal currency value into a corresponding virtual currency value, and the platform host transmits the patient data to the insurance server or publishes the patient claims data to the alliance blockchain or publishes the calculated value to When in the public blockchain, the value of the virtual currency is reduced by the corresponding value. A system that obtains claims data from an integrated platform and is certified by the blockchain. The system at least includes: a medical host used to obtain consent data, and the consent data includes an identification data and a time interval; A client connected to a public blockchain for obtaining the identification information and generating claims application data containing the identification information; an insurance server connected to an alliance blockchain for Obtain the claim application information; and a platform host connects the alliance blockchain and the public blockchain to obtain the claim application information, and requests a patient information from the medical host based on the identification information, so that The medical host obtains the consent information that matches the identification information and obtains the medical record information within the time interval based on the identification information and generates the patient information including the medical record information, and the platform host is used to transmit the The patient information is sent to the insurance server, so that the insurance server executes the claim settlement operation based on the patient information, and the platform host is used to generate patient claim information including the claim application information and the patient information, and transfer the patient information to the insurance server. The patient claims data is published to the alliance blockchain, and the patient claims data is calculated to generate a calculation value, and the calculation value is published to the public blockchain. As described in request 6, a system that obtains claims data from an integrated platform and is certified by the blockchain, in which the medical host reads the patient data within the time interval based on the identity recognition data, and then uses The patient information is encrypted, and the encrypted patient information is sent to the platform host through a digital envelope, and the insurance server is further used to decrypt the encrypted patient information. As described in claim 6, the system obtains claim data from an integrated platform and stores it on a blockchain, wherein the insurance server is further used to encrypt the personal data in the claim application data in an irreversible manner and store the claim data. After the identification information in the application data is encrypted in a reversible manner, the encrypted claim application data is transmitted to the platform host. As described in request item 6, a system that obtains claims information from an integrated platform and stores it on a blockchain, wherein the insurance server receives the claim application information sent by the client or receives the data sent by the platform host in a digital envelope. The claim application information sent by the client. As described in claim 6, the system for obtaining claims data from an integrated platform and storing it on the blockchain, wherein the insurance server is further used to transfer a legal currency value to a virtual account corresponding to the platform host, and the platform host It is further used to convert the legal currency value into a corresponding virtual currency value, and transmit the patient data to the insurance server on the platform host or publish the patient claims data to the alliance blockchain or convert the calculated value When published to the public blockchain, the value of the virtual currency is reduced by the corresponding value.

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