TWM669575U - Self-service financial services and medical management integrated system - Google Patents

Abstract

A self-service financial service and medical management integration system, wherein an intelligent integrated collection and payment accounting processing platform is connected to a self-service payment machine, a bank server and a payment platform respectively, a hospital management system platform is connected to the self-service payment machine, a query module in the intelligent integrated collection and payment accounting processing platform is connected to an identity database, a payment data generation module and a data acquisition module respectively, a data acquisition module in the intelligent integrated collection and payment accounting processing platform is connected to a financial product recommendation module and a loan calculation module respectively, and the self-service payment machine is connected to the hospital management system platform. The unified platform obtains the medical expenses corresponding to the patient's identity identification information. At the same time, the intelligent integrated collection and payment accounting processing platform provides financial product recommendation information and/or loan condition information to the self-service payment machine and displays it. The payment method and payment type are selected and provided to the intelligent integrated collection and payment accounting processing platform to generate payment data based on the patient's identity identification information, payment identity information and the selected payment type, and feedback is sent back to the self-service payment machine for display, thereby achieving the technical effect of integrating self-service financial services and medical management.

Description

Self-service financial services and medical management integrated system

An integrated system, especially a self-service financial service and medical management integrated system.

Taiwan has become an extremely aged society. Currently, the society is facing problems related to the care and medical treatment of the elderly. In terms of medical care, the elderly generally need to rely on the medical services and resources of teaching hospitals. This often results in the elderly receiving medical services being compressed, medical services needing to wait too long, and the workload of medical staff increasing... and other related problems. How to apply financial innovation services to solve the above-mentioned related problems has become one of the important goals of developing digital finance in the medical ecosystem.

In summary, it can be seen that the previous technology has long had the problem of lack of integration between self-service financial services and medical management. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem that the previous technology lacks integration between self-service financial services and medical management, this invention discloses a self-service financial service and medical management integration system, in which:

The self-service financial service and medical management integration system disclosed in this work sets up a Hospital Information System (HIS) platform in the hospital to provide the calculation of medical expenses and record and query medical records based on patient identification information. It includes: self-service payment machines and intelligent integrated collection and accounting processing platform. The intelligent integrated collection and accounting processing platform also includes: identity database, query module, payment data generation module, data acquisition module, financial product recommendation module and loan calculation module.

The self-service payment machine obtains the medical expenses corresponding to the patient's identity identification information from the hospital management system platform, and simultaneously obtains and displays the financial product recommendation information and/or loan condition information, selects one of the multiple payment methods and the corresponding payment type, provides the patient's identity identification information or the medical expenses, the selected payment method and the selected payment type, and obtains and displays the payment information.

The intelligent integrated collection and payment processing platform is connected to the self-service payment machine, bank server and multiple payment platforms, receives patient identification information from the self-service payment machine, receives medical expenses, selected payment methods and selected payment types from the self-service payment machine, provides payment information to the self-service payment machine, provides financial product recommendation information to the self-service payment machine, and provides loan condition information to the self-service payment machine.

The identity database stores patient identity information, payment identity information and bank identity information in a corresponding manner; the query module queries the corresponding payment identity information and bank identity information from its own identification database when receiving patient identity information from the self-service payment machine; the payment data generation module generates payment data based on the combination of patient identity information, payment identity information and the selected payment type through the payment platform corresponding to the selected payment method; the data acquisition module obtains medical record data from the hospital management system platform through the self-service payment machine, and obtains payment history records corresponding to the queried payment identity information from each payment platform, and generates payment data based on the combination of patient identity information, payment identity information and the selected payment type. and obtaining from the bank server the financial transaction history records corresponding to the queried bank identification information; the financial product recommendation module analyzes the combination of payment method, payment type, payment frequency, medical record characteristics and treatment characteristics of the medical record data and the payment history records to generate financial product recommendation information; and the loan calculation module calculates the total medical expenses based on the medical expenses and the medical record data, and calculates and generates loan condition information based on the total medical expenses, payment history records and financial transaction history records; when the query module fails to query the bank identification information, the basic credit loan is used according to the patient identification information and the total medical expenses to calculate and generate the loan condition information.

The system disclosed in this invention is as above. The self-service payment machine obtains the medical expenses corresponding to the patient's identity identification information from the hospital management system platform. At the same time, the intelligent integrated collection and payment accounting processing platform provides financial product recommendation information and/or loan condition information to the self-service payment machine and displays it. The payment method and payment type are selected and provided to the intelligent integrated collection and payment accounting processing platform to generate payment data based on the patient's identity identification information, payment identity information and the selected payment type and feedback to the self-service payment machine for display.

Through the above-mentioned technical means, this creation can achieve the technical effect of providing self-service financial services and integrating medical management.

The following will be used in conjunction with diagrams and embodiments to explain in detail the implementation of this invention, so that the invention can fully understand how to apply technical means to solve technical problems and achieve technical effects and implement them accordingly.

The following first explains the self-service financial service and medical management integrated system disclosed in this creation, and please refer to "Figure 1", which is a system block diagram of the self-service financial service and medical management integrated system of this creation.

The self-service financial service and medical management integrated system disclosed in this invention sets up a hospital information system (HIS) platform 20 in the hospital to provide the calculation of medical expenses and record and query medical records based on patient identification information. It includes: a self-service payment machine 10 and an intelligent integrated collection and accounting processing platform 30. The intelligent integrated collection and accounting processing platform 30 further includes: an identification database 31, a query module 32, a payment data generation module 33, a data acquisition module 34, a financial product recommendation module 35 and a loan calculation module 36.

The self-service payment machine 10 is respectively connected to the hospital management system platform 20 and the intelligent integrated collection and accounting processing platform 30 through a wired transmission method or a wireless transmission method. The intelligent integrated collection and accounting processing platform 30 is respectively connected to the bank server 40 and multiple payment platforms 50 through a wired transmission method or a wireless transmission method. The aforementioned wired transmission method is, for example, a cable network, an optical fiber network, etc., and the aforementioned wireless transmission method is, for example, Wi-Fi, a mobile communication network (for example, 3G, 4G, 5G, etc.)... etc. This is only used as an example, and the application scope of this creation is not limited thereto.

The hospital management system platform 20 is an information system that comprehensively manages the flow of people, logistics, and money in the hospital and its subordinate departments, collects, stores, processes, extracts, transmits, summarizes, and processes the data generated at various stages of medical and diagnostic activities to generate various information, thereby providing comprehensive, automated management and various services for the entire hospital (including registration, billing, pharmacy, hospitalization medical instructions, hospitalization medical records, drug warehouse, etc.). The hospital management system platform 20 will record and query medical records based on patient identification information.

Please refer to "Figure 2", which is a schematic diagram of the architecture of the integration of self-service financial services and medical management in this creation.

When a patient or a patient's family member pays by themselves through the self-service payment machine 10, the card reader of the self-service payment machine 10 reads the patient's health insurance card to obtain the patient's identity identification information 611. The self-service payment machine 10 provides the patient's identity identification information 611 to the hospital management system platform 20. The patient's identity identification information 611 is used by the medical institution to identify the patient.

When the hospital management system platform 20 receives the patient identification information 611 from the self-service payment machine 10, it searches for the day's medical consultation information corresponding to the patient identification information 611. The hospital management system platform 20 calculates the medical consultation fee 62 based on the day's medical consultation information and feeds it back to the self-service payment machine 10. The self-service payment machine 10 can then display the medical consultation fee 62.

The self-service payment machine 10 also provides the patient identity information 611 to the intelligent integrated payment collection accounting processing platform 30. The intelligent integrated payment collection accounting processing platform 30 pre-establishes an identity identification database 31. The identity identification database 31 stores the patient identity information 611, the payment identity information 621 and the bank identity information 631. The payment identity information 621 is used to provide the patient or the patient's family with an identity for electronic payment, and the bank identity information 631 is used to provide the patient or the patient's family with a bank identity.

When the intelligent integrated payment collection accounting processing platform 30 receives the patient identification information 611 from the self-service payment machine 10, the query module 32 searches the database 31 for the corresponding payment identification information 621 and the bank identification information 631.

The data acquisition module 34 obtains the medical record data 612 corresponding to the patient identification information 611 from the hospital management system platform 20 through the self-service payment machine 10, obtains the payment history record 622 corresponding to the queried payment identification information 621 from each payment platform 50, and obtains the financial transaction history record 632 corresponding to the queried bank identification information 631 from the bank server 40.

Next, the financial product recommendation module 35 analyzes the combination of the payment method, payment type, payment frequency, medical record characteristics, and treatment characteristics of the medical record data 612 and the payment history record 622 to generate the financial product recommendation information 64. Specifically, if the payment method in the payment history record 622 is credit card and the payment type is installment payment, the financial product recommendation module 35 can analyze and generate the financial product recommendation information 64 as "regular fixed amount fund financial product"; if the medical record data 612 If the medical record feature is uremia and the treatment feature is regular dialysis, the financial product recommendation module 35 can analyze and generate the financial product recommendation information 64 as "actual payment medical insurance financial product"; if the payment frequency in the payment history record 622 is once every three months and the treatment feature is a fixed prescription, the financial product recommendation module 35 can analyze and generate the financial product recommendation information 64 as "long-term care insurance financial product"...etc. This is just an example to illustrate, and it does not limit the application scope of this creation.

The loan calculation module 36 calculates the total medical expenses based on the medical expenses 62 and the medical records 612, and calculates and generates the loan condition information 65 based on the total medical expenses, the payment history records 622 and the financial transaction history records 632. It is worth noting that the loan condition information 65 includes the loan calculation amount and the loan calculation interest rate. Specifically, if the total medical expenses calculated based on the medical expenses and the medical records 612 are 1 million, The total medical expenses of 1 million are first calculated and the initial loan condition information is generated. The loan calculation module 36 then calculates and generates the loan condition information 65 based on the payment pattern of the payment history record 622 (for example: always paying in installments and often delaying repayment; part of the full payment and part of the installment payment, but no delay in repayment... etc.) and the transaction pattern of the financial transaction history record 632 (for example: income is much greater than expenditure; salary account... etc.).

It is worth noting that when the query module 32 itself identifies the database 31 and fails to find the corresponding bank identification information 631, the loan calculation module 36 uses the basic credit loan to calculate and generate the loan condition information 65 based on the patient identification information 611 and the total medical expenses.

The intelligent integrated payment collection and accounting processing platform 30 can provide financial product recommendation information 64 and/or loan condition information 65 to the self-service payment machine 10 and display them. It is worth noting that the financial product recommendation information 64 and/or loan condition information 65 provided by the intelligent integrated payment collection and accounting processing platform 30 is provided before the patient or the patient's family completes the self-service payment through the self-service payment machine 10.

The financial product recommendation information 64 displayed by the self-service payment machine 10 further includes a two-dimensional barcode. The patient or the patient's family uses the portable device they hold to scan the barcode to open the financial product service business provided by the bank server 40 to purchase the corresponding financial product. The loan condition information 65 displayed by the self-service payment machine 10 further includes a two-dimensional barcode. The patient or the patient's family uses the portable device they hold to scan the barcode to open the 4-loan service business provided by the bank server 40 to perform the loan application process based on the loan condition information 65.

When obtaining and displaying the medical fee 62, the self-service payment machine 10 further provides optional multiple payment methods, such as credit card, electronic payment, WebAtm, convenience store collection and payment, etc. Each multiple payment method has at least one corresponding payment type, such as cash payment, full payment, installment payment, etc. The patient or the patient's family can select multiple payment methods and their corresponding payment types. The self-service payment machine 10 provides the medical fee 62, the selected payment method 661 and the selected payment type 662 to the intelligent integrated collection and payment accounting processing platform 30.

When the self-service payment machine 10 of the intelligent integrated collection and payment processing platform 30 receives the medical fee 62, the selected payment method 661 and the selected payment type 662, the payment data generation module 33 generates the payment data 67 through the payment platform 50 corresponding to the selected payment method 661 based on the combination of the patient identification information 611, the payment identity information 621, the medical fee 62 and the selected payment type 662. Specifically, if the selected payment method 661 is convenience store payment and the selected payment type 662 is full payment, the payment data generation module 33 generates the payment data 67 through the convenience store (i.e., the payment platform 50). 50) Generates a payment barcode including the patient identification information 611 and the medical fee 62 as the payment data 67; if the selected payment method 661 is electronic payment and the selected payment type 662 is full payment, the payment data generation module 33 generates a two-dimensional barcode including the patient identification information 611, the payment identity information 621 and the medical fee 62 as the payment data 67 through the electronic payment platform (i.e., the payment platform 50). This is only used as an example and does not limit the scope of application of this creation. The patient or the patient's family can use the payment data 67 to make self-service payments corresponding to the payment method.

It is worth noting that the hospital management system platform 20 provides a reconciliation request 681 to the intelligent integrated collection and payment accounting processing platform 30, and the intelligent integrated collection and payment accounting processing platform 30 obtains the corresponding reconciliation details 682 from each payment platform 50, and then provides the reconciliation details 682 to the hospital management system platform 20.

Next, the operation process of this creation will be explained below, and please refer to "Figure 3A" to "Figure 3C" at the same time. "Figure 3A" to "Figure 3C" are flowcharts of the integration of self-service financial services and medical management in this creation.

First, the self-service payment machine is connected to the hospital management system platform and the intelligent integrated collection and payment accounting processing platform (step 701); then, the intelligent integrated collection and payment accounting processing platform is connected to the bank server and multiple payment platforms (step 702); then, the intelligent integrated collection and payment accounting processing platform has an identity database, which stores patient identity information, payment identity information and bank identity information (step 703); then, the self-service payment machine obtains the medical expenses corresponding to the patient identity information from the hospital management system platform (step 704); then, the self-service payment machine provides the patient identity information to the intelligent integrated collection and payment accounting processing platform, and the self-service payment machine receives the patient identity information from the hospital management system platform (step 705); The smart integrated payment collection account processing platform retrieves the corresponding payment identity information and bank identity information from the identity identification database (step 705); then, the smart integrated payment collection account processing platform obtains the medical record data from the hospital management system platform through the self-service payment machine (step 706); then, the smart integrated payment collection account processing platform obtains the payment history records corresponding to the queried payment identity information from each payment platform (step 707); then, the smart integrated payment collection account processing platform obtains the financial transaction history records corresponding to the queried bank identity information from the bank server (step 708); then, the smart integrated payment collection account processing platform compares the medical record data and the payment history records to the payment The smart integrated payment collection accounting processing platform calculates the total medical expenses based on the medical expenses and medical records, and calculates and generates loan condition information based on the total medical expenses, payment history records and financial transaction history records (step 710). Then, when the smart integrated payment collection accounting processing platform fails to query the bank identification information, it uses the basic credit loan based on the patient identification information and the total medical expenses to calculate and generate loan condition information (step 711). Then, the self-service payment machine obtains the basic credit loan from the smart integrated payment collection accounting processing platform. The self-service payment machine obtains financial product recommendation information and/or loan condition information and displays it (step 712); then, the self-service payment machine selects one of the multiple payment methods and the corresponding payment type, and provides the medical fee, the selected payment method and the selected payment type to the intelligent integrated collection and payment accounting processing platform (step 713); then, the intelligent integrated collection and payment accounting processing platform generates payment information based on the combination of patient identification information, payment identity information and the selected payment type through the payment platform corresponding to the selected payment method (step 714); and, the intelligent integrated collection and payment accounting processing platform provides the payment information to the self-service payment machine and displays it (step 715).

The self-service payment machine 10, the hospital management system platform 20 set up in the hospital, the intelligent integrated collection and accounting processing platform 30, the bank server 40 and the payment platform 50 are all different forms of the computing device. Please refer to "Figure 4", which is a schematic diagram of the components of the computing device proposed in this creation.

The computing device mentioned in the present invention includes but is not limited to hardware components such as one or more processors 801, one or more memory modules 802, and a bus 803, wherein the bus 803 can connect different hardware components. Through the multiple hardware components included, the computing device can load and execute an operating system, so that the operating system runs on the computing device, and can also execute software or programs. The computing device also includes a housing 809, and the above-mentioned hardware components are arranged in the housing.

The bus 803 of the computing device of the present invention may include one or more types, such as a data bus, an address bus, a control bus, an expansion bus, and/or a local bus. The bus of the computing device includes but is not limited to a parallel Industry Standard Architecture (ISA) bus, a peripheral component interconnect (PCI) bus, a video electronics standards association (VESA) local bus, and a serial universal serial bus (USB), a peripheral component interconnect express (PCI-E) bus, etc.

The processor 801 of the computing device proposed in the present invention is coupled to a bus 803. The processor 801 includes a register group or a register space, which can be completely set on the processing chip, or completely or partially set outside the processing chip and coupled to the processor via a dedicated electrical connection and/or via a bus. The processor 801 can be a 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 processors, the processors included in the computing device are the same or similar, and are coupled and communicated through a bus. The processor 801 can interpret a series of multiple instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., to run an operating system or execute various programs, modules, and/or components.

The processor 801 of the computing device can be coupled to the chipset or electrically connected to the chipset through the bus 803. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and a peripheral input/output (I/O) controller, that is, the memory controller and the peripheral input/output (I/O) controller can be included in one integrated circuit, or can be implemented using two or more integrated circuits. The chipset usually provides input/output and memory management functions, as well as multiple general and/or dedicated registers, timers, etc., wherein the above-mentioned general and/or dedicated registers and timers can be accessed or used by one or more processors coupled or electrically connected to the chipset.

The processor 801 of the computing device can also access the data in the memory module 802 and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory module 802 includes any type of volatile memory and/or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The mass storage area mentioned above may include any type of storage device or storage media, such as a hard drive, an optical disk, a flash memory, a memory card, a solid state disk (SSD), or any other storage device. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drive, and solid state disk.

The processor 801 of the computing device can also be connected and communicated with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral input/output controller via the bus 803. The peripheral input device can be any type of input device, such as a keyboard, a mouse, a trackball, a touchpad, a joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc. The peripheral input device and the peripheral output device can also be the same device, such as a touch screen, etc. The communication interface may include a wireless communication interface and/or a wired communication interface. The wireless communication interface may include an interface supporting wireless local area networks such as Wi-Fi, Zigbee, Bluetooth, infrared, near field communication (NFC), mobile communication networks such as 3G/4G/5G, or other wireless data transmission protocols. The wired communication interface may be an Ethernet device, an ATM device, a DSL modem, a cable modem, etc. The processor 801 may 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 components described above.

The modules mentioned in the self-service payment machine 10, the hospital management system platform 20 set up in the hospital, the intelligent integrated collection and accounting processing platform 30, the bank server 40 and the payment platform 50 are usually generated after the processor 801 in each computing device executes a specific program loaded into the memory module 802, or are included in the processor 801.

In summary, the self-service payment machine obtains the medical expenses corresponding to the patient's identity identification information from the hospital management system platform. At the same time, the intelligent integrated collection and payment accounting processing platform provides financial product recommendation information and/or loan condition information to the self-service payment machine and displays it. The payment method and payment type are selected and provided to the intelligent integrated collection and payment accounting processing platform to generate payment data based on the patient's identity identification information, payment identity information and the selected payment type and feedback to the self-service payment machine for display.

This technical means can solve the problem of lack of integration between self-service financial services and medical management in previous technologies, and thus achieve the technical effect of integrating self-service financial services and medical management.

Although the implementation methods disclosed in this work are as above, the content described is not used to directly limit the scope of patent protection of this work. Anyone with ordinary knowledge in the technical field to which this work belongs can make slight changes in the form and details of implementation without departing from the spirit and scope disclosed in this work. The scope of patent protection of this work shall still be defined by the attached patent application scope.

10: Self-service payment machine 20: Hospital management system platform 30: Intelligent integrated collection and accounting processing platform 31: Identity identification database 32: Query module 33: Payment data generation module 34: Data acquisition module 35: Financial product recommendation module 36: Loan calculation module 40: Bank server 50: Payment platform 611: Patient identity information 612: Medical records 62: Medical expenses 621: Payment identity information 622: Payment history records 631: Bank identity information 632: Financial transaction history records 64: Financial product recommendation information 65: Loan condition information 661: Payment method 662: Payment type 67: Payment information 681: Reconciliation request 682: Reconciliation details 701-715: Steps 801: Processor 802: Memory module 803: Bus 809: Housing

Figure 1 is a system block diagram of the self-service financial service and medical management integration system of this creation. Figure 2 is a schematic diagram of the architecture of the self-service financial service and medical management integration of this creation. Figures 3A to 3C are flow charts of the self-service financial service and medical management integration of this creation. Figure 4 is a schematic diagram of the components of the computing device proposed in this creation.

10: Self-service payment machine

20: Hospital management system platform

30: Intelligent integrated collection and accounting processing platform

31: Identity database

32: Query module

33: Payment data generation module

34: Data acquisition module

35: Financial product recommendation module

36: Loan calculation module

40: Bank server

50:Payment platform

Claims (5)

A self-service financial service and medical management integrated system, which sets up a hospital information system (HIS) platform in the hospital to provide a calculation of medical expenses and record and query a medical record data based on a patient identification information, which includes: A self-service payment machine, which obtains the medical expenses corresponding to the patient identification information from the hospital management system platform, and simultaneously obtains and displays a financial product recommendation information and/or a loan condition information, selects one of multiple payment methods and the corresponding payment type, provides the patient identification information or the medical expenses, the selected payment method and the selected payment type, obtains and displays a payment data; and A smart integrated payment collection and account processing platform is respectively connected to the self-service payment machine, a bank server and multiple payment platforms, receives the patient identification information from the self-service payment machine, receives the medical expenses, the selected payment method and the selected payment type from the self-service payment machine, provides the payment data to the self-service payment machine, provides the financial product recommendation information to the self-service payment machine, and provides the loan condition information to the self-service payment machine. The smart integrated payment collection and account processing platform further includes: An identification database corresponding to the patient identification information, the payment identification information and the bank identification information; A query module, when receiving the patient identification information from the self-service payment machine, queries the corresponding payment identification information and the bank identification information from the identification database; A payment data generation module, generates the payment data based on the combination of the patient identification information, the payment identification information and the selected payment type through the payment platform corresponding to the selected payment method; A data acquisition module, which acquires the medical record data from the hospital management system platform through the self-service payment machine, acquires a payment history record corresponding to the queried payment identity information from each payment platform, and acquires a financial transaction history record corresponding to the queried bank identity information from the bank server; A financial product recommendation module, which analyzes the combination of payment method, payment type, payment frequency, medical record characteristics and treatment characteristics of the medical record data and the payment history record to generate the financial product recommendation information; and A loan calculation module calculates a total medical expense based on the medical expenses and the medical record data, and calculates and generates the loan condition information based on the total medical expense, the payment history record, and the financial transaction history record; when the query module fails to query the bank identification information, the basic credit loan is used according to the patient identification information and the total medical expense to calculate and generate the loan condition information. As described in claim 1, the self-service financial service and medical management integration system, wherein the hospital management system platform provides a reconciliation request to the intelligent integrated collection and payment accounting processing platform, and the intelligent integrated collection and payment accounting processing platform obtains corresponding reconciliation details from each payment platform, and then provides the reconciliation details to the hospital management system platform. As described in claim 1, the self-service financial service and medical management integrated system, wherein the financial product recommendation information displayed by the self-service payment machine further includes a two-dimensional barcode, and the patient uses the portable device he holds to scan the barcode to open a financial product service page provided by the bank server to purchase the corresponding financial product. As described in claim 1, the self-service financial service and medical management integrated system, wherein the loan condition information displayed by the self-service payment machine further includes a two-dimensional barcode, and the patient uses the portable device he holds to scan the barcode to open a loan service interface provided by the bank server to carry out the loan application process based on the loan condition information. A self-service financial service and medical management integrated system as described in claim 1, wherein the payment methods include credit cards, electronic payments, WebAtm, and convenience store collection and payment, and the payment types include cash payment, full payment, and installment payment.

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