KR20100107366A - System and method for managing medical expenses settlement by installments using phone bill and recording medium - Google Patents

Abstract

The present invention relates to a method and system for operating a medical payment installment payment service using a phone bill and a recording medium therefor. The system for managing a medical payment installment payment service using a phone bill according to the present invention includes mobile phone number information, social security number information, and total payment from a medical institution terminal. Means for calculating a monthly payment amount based on the received total payment amount and the installment months, upon receiving the medical bill payment request information including the amount information and the installment month information, and the calculated monthly payment amount and the mobile number Means for requesting the approval of the phone bill payment for medical expenses by transmitting the data to the telecommunication company server, and when the phone bill payment approval result is received from the service provider server, the mobile phone number information, the installment month information and the payment amount information for the customer are connected and stored. Means for storing on the medium.

Description

System and Method for Managing Medical Expenses Settlement by Installments using Phone Bill and Recording Medium}

1 is a view showing the configuration of a medical bill payment system for providing a medical bill installment payment service according to an embodiment of the present invention.

2 is a diagram illustrating a process of providing a medical cost installment payment service according to an embodiment of the present invention.

3 is a diagram illustrating a process of processing a dismissal request for a mobile phone according to the provision of a medical bill payment service according to an embodiment of the present invention.

4 is a diagram illustrating a process of processing a mobile phone number change request according to providing a medical billing payment service according to an embodiment of the present invention.

5 is a diagram illustrating a process of processing a cancellation request for a medical billing payment service requested by a customer according to an embodiment of the present invention.

6 is a diagram illustrating a process of providing a medical bill payment service according to another embodiment of the present invention.

FIG. 7 is a diagram illustrating a processing procedure for unpaid communication charges generated in an installment payment process after the phone bill payment processing according to an embodiment of the present invention.

<Description of main parts of drawing>

100: medical billing system 105: information receiving means

110: authentication processing means 115: payment approval processing means

120: information providing means 125: installment payment processing means

130: information confirmation means 135: installment payment cancellation processing means

140: storage medium 145: communication company server

150: medical institution terminal

According to the present invention, upon receipt of medical expenses payment request information including mobile phone number information, social security number information, total payment amount information, and installment month information from a medical institution terminal, monthly payment amount based on the received total payment amount and installment months Means for calculating a payment; and a means for requesting a phone bill payment approval for medical expenses by transmitting the calculated monthly payment amount and a mobile phone number to a telecommunication company server; and when a phone bill payment approval result is received from the telecommunication company server, the mobile phone for the customer. The present invention relates to a medical bill installment payment service operating system using a phone bill, including means for connecting number information, installment month information, and installment amount information to a storage medium.

Due to the development of information and communication technology, there is a phone bill service that provides a payment service using a mobile phone number, which is widely used in our lives.

However, due to the nature of the phone bill is billed through the carrier, there is a difficult problem to provide an installment service.

In addition, medical institutions that we usually visit when we are sick are charged with various medical expenses ranging from as little as thousands of won to as many as millions of won, and in general, they are billed as hundreds of thousands of won. Rather than having a credit card (or cash) at all times to pay for a payment, you sometimes forget it.

An object of the present invention for solving the above problems is, when receiving the medical bill payment request information including the mobile phone number information, social security number information, the total payment amount information and the installment months information from the medical institution terminal, Calculating a monthly payment amount based on the number of installment months, transmitting the calculated monthly payment amount and a mobile phone number to a telecommunication company server, and requesting a phone bill payment approval for medical expenses; and a phone bill payment approval from the telecommunication company server When the result is received, the mobile phone number information, the installment month information and the installment amount information for the customer provides a method for operating the medical bill payment service using a phone bill comprising the step of storing in a storage medium.

The medical bill installment payment service operating system using the phone bill according to the present invention, when receiving the medical bill installment payment request information including the mobile phone number information, social security number information, total payment amount information and the installment months information from the medical institution terminal, Means for calculating a monthly payment amount based on a payment amount and an installment month, a means for transmitting the calculated monthly payment amount and a mobile phone number to a telecommunication company server, and requesting approval of a phone bill payment for medical expenses; and a pawn bill from the telecommunication company server. When the payment approval result is received, the mobile phone number information, the installment month information and the payment amount information for the customer characterized in that it comprises a means for storing in the storage medium.

The medical bill payment service operating system using the phone bill according to the present invention, if the receipt of the monthly payment amount to the customer is confirmed, means for confirming the remaining payment amount information for the customer, and the remaining monthly payment amount to the customer If confirmed, characterized in that it comprises the step of requesting the phone bill payment approval by transmitting the monthly payment amount and the mobile phone number of the customer to the carrier server.

The medical bill installment payment service operating system using the phone bill according to the present invention, when receiving the termination request mobile phone number information from the carrier server, means for confirming the presence or absence of the remaining payment amount for the received mobile phone number, and the termination request mobile phone number If the remaining amount of the payment is confirmed, characterized in that it comprises a means for requesting that the service provider server does not cancel the mobile phone number.

Medical bill installment payment service operating system using the phone bill according to the present invention,

Means for confirming the presence or absence of the remaining allotment amount for the received mobile number (a) when a change target mobile number (a) is received from the communication company server, and if the remaining allotment amount for the mobile number (a) is confirmed, the carrier Means for requesting and receiving a new mobile phone number (b) to which the mobile phone number (a) is to be changed, and processing the information on the remaining installment amount to be changed to the received mobile phone number (b). It features.

The medical bill payment service operating system using the phone bill according to the present invention, when receiving a cancellation request for the phone bill payment plan, means for confirming whether or not at least one monthly payment amount billed to the customer in connection with the telecommunications server; When the one or more monthly payment amount is confirmed, the monthly payment amount provided to the vonville merchant is collected, and when the collection process of the provided monthly payment amount is completed, a refund processing is provided to the customer.

On the other hand, the medical bill payment service operating method using the phone bill according to the present invention, when receiving the medical bill payment payment request information including the mobile phone number information, social security number information, total payment amount information and the installment months information from the medical institution terminal, Calculating a monthly payment amount based on the total payment amount and the installment months, transmitting the calculated monthly payment amount and a mobile phone number to a telecommunication company server, and requesting approval of the phone bill payment for medical expenses; When the phone bill payment approval result is received from the mobile phone number information for the customer, installment month information and the installment amount information characterized in that it comprises the step of storing in a storage medium.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the medical bill installment payment service operating method using the above-mentioned phone bill.

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

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

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

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

1 is a diagram showing the configuration of a medical bill payment system 100 for providing a medical bill installment payment service according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a case in which a customer visits a medical institution, receives a medical service, and wishes to process a payment amount for a medical fee generated by using the medical service through an installment payment service based on phone bill payment service. Customer information (eg, social security number, name, etc.) for the customer who received the medical service through the medical institution, mobile phone number, payment amount information, and installment month information necessary to provide the installment payment service based on the phone bill payment service. Medical expenses payment system for providing a payment payment service for the medical expenses based on the received medical expenses installment payment request information from the terminal of the medical institution when receiving the medical expenses installment payment request information including at least one ( 100), the technical field to which the present invention belongs If one of ordinary skill in the art, various implementation methods (eg, some) for the medical cost payment system 100 for processing the medical bill payment request information received from the medical institution terminal 150 by referring to and / or modified in the present Figure 1 It can be inferred that the configuration parts are omitted, subdivided, or combined), but the present invention includes all the implementation methods inferred above, and the technical features are limited only by the implementation method shown in FIG. Not.

For example, if one of ordinary skill in the art to which the present invention pertains, one or more means are provided in one or more servers provided on the medical billing system 100 by referring to and / or modifying the present Figure 1, Or it may be provided in a single server, whereby the present invention is not limited.

In addition, if one of ordinary skill in the art to which the present invention pertains, one or more means provided on the medical billing system 100 by referring to and / or modifying the present Figure 1 is provided in the carrier server 145 The present invention is not limited thereto.

Referring to FIG. 1, the medical bill payment system 100 visits a medical institution, uses a medical service provided by a medical institution, and then provides a medical service terminal for providing a payment service for a medical bill payment amount generated accordingly. Information receiving means 105 for receiving medical bill payment request information including at least one of customer information, payment target mobile number information, payment amount information, installment months information, and medical institution information; and the received medical bill installment payment; Authentication processing means 110 for authenticating the customer who requested the medical cost installment payment in connection with the communication company server 145 corresponding to the request information (that is, the server of the mobile communication company to which the mobile phone held by the customer who requested the medical cost installment payment is subscribed). And, when the authentication is completed for the customer who requested the payment of medical expenses through the authentication processing means 110, For example, the approval processing means for processing approval in connection with the communication company server 145 whether the payment for medical expenses installment is possible, and when the approval for the medical cost installment payment is completed through the communication company server 145, the corresponding medical expenses It is characterized in that it comprises the information providing means 120 for providing the installment payment approval result information to the medical institution terminal 150 (or customer mobile phone).

In addition, the medical bill payment system 100, in response to the received medical bill installment payment request information, the information checking means 130 for confirming whether or not to include the blacklist for the target mobile phone number requesting the medical bill installment payment request; It is preferable to further comprise, the information checking means 130 may be provided on the carrier server 145 side.

After the customer visits the medical institution and uses the medical service provided by the medical institution, the information receiving means 105 provides customer information and payment from the medical institution terminal 150 in order to provide a payment service for the medical bill payment amount generated in response thereto. And receiving medical bill payment request information including one or more target mobile phone number information, payment amount information, installment month information, and medical institution information.

Here, the customer information is used to visit a medical institution using the medical service provided by the medical institution, and then personal information (for example, name, social security number, home, etc.) for the customer who wants to use the payment service for the amount of medical expenses generated correspondingly. Telephone number).

In addition, the mobile phone number information for payment is visited to a medical institution, using a medical service provided by the medical institution, and the phone bill billed by adding the amount of medical expenses payment generated in response to the communication charges charged by the communication company based on the mobile phone number At least a mobile phone number information of a customer requesting a medical payment installment payment service for payment processing through a payment service, and a carrier information (for example, a carrier name, a business registration number, an address, a representative name, etc.) to which the customer's mobile phone number is subscribed. It is preferable to include one or more.

In addition, the payment amount information is preferably made to include the amount of information on the medical expenses generated by visiting the medical institution to use the medical service provided by the medical institution.

In addition, the installment month information may be included in the installment month information when requesting the payment of the installment rather than a temporary payment for medical expenses generated by visiting a medical institution and using the medical service provided by the medical institution. .

In addition, the medical institution information is visited to the medical institution to use the medical service provided by the medical institution, and if you want to use the payment service for the payment of the medical expenses generated in response, the medical institution name for the medical institution requesting the payment, It is preferable to include at least one address, telephone number, representative name, business registration number and the like.

When the medical cost installment payment request is received through the information receiving means 105, the authentication processing means 110 is a communication company server 145 corresponding to the received medical cost installment payment request information (that is, requesting the medical cost installment payment) It is characterized by authenticating the customer who requested the medical cost installment payment in connection with the server of the telecommunications company to which the mobile phone is held by the customer.

According to an embodiment of the present invention, the customer authentication process corresponding to the received medical cost installment payment request transmits the target mobile phone number information included in the received medical cost installment payment request information to the communication company server 145 to authenticate the customer. When requesting, the carrier server 145 transmits an authentication number (or authentication code) to the mobile phone number of the customer, and enters the transmitted authentication number (or authentication code) through the medical institution terminal 150 to the By transmitting to the communication company server 145, it is preferable to authenticate the customer requesting the medical bill payment.

That is, by checking whether the customer requesting the medical cost installment payment and the customer who owns the mobile phone are the same customer, it is intended to prevent a problem due to the medical cost installment payment.

When the medical expenses installment payment request is received through the information receiving means 105, and the authentication of the customer who requested the medical expenses installment payment through the authentication processing means 110 is completed, the approval processing means is performed. It is characterized in that the medical expenses installment payment is approved by checking whether the medical expenses installment payment is possible through the telecommunication company server 145, and the result of processing the medical expenses installment payment request is a storage medium provided in the medical expenses payment system 100. Preferably stored at 140.

Here, the processing result for the medical expenses installment payment request, preferably, the payment information including the mobile phone number information, the installment month information, the remaining installment payment amount information, and the payment history information according to the installment payment.

According to the implementation method of the present invention, the approval processing for the medical cost installment payment request calculates a monthly payment amount by dividing the payment amount included in the medical cost installment payment request information by the number of installment months, and the calculated monthly payment amount and The mobile phone number of the customer is transmitted to the mobile communication server server 145 to which the customer's mobile phone is subscribed, and requests only approval for the monthly payment amount, not the payment amount. It is desirable to approve all remaining payments.

In other words, if you want to pay the medical bill payment amount of 100,000 won in 5 months installment, payment approval processing for the medical bill installment payment request, the mobile phone server 145 subscribed to the mobile phone of the customer who requested the medical bill installment payment 2 When requesting payment approval for 10,000 won and approval of payment for 20,000 won by the telecommunication company server 145 is completed, in response to approving the medical expenses installment payment for 100,000 won, which further includes the remaining payment amount of 80,000 won desirable.

In addition, when the payment for the 20,000 won that the customer has already requested the payment approval is confirmed, request the payment approval for the 20,000 won again from the remaining 80,000 won to the carrier server 145, and repeat until the remaining amount is 0 won It is preferable to request payment approval.

Here, it is preferable to further include an approval process for payment using the authentication number (or authentication code) in the medical expenses installment payment approval process for 20,000 won of the first 100,000 as needed.

According to another exemplary embodiment of the present invention, the approval processing for the medical expenses installment payment request may include: a communication company in which a customer's mobile phone is subscribed to the payment amount, the installment months, and the target mobile phone number included in the received medical expenses installment payment request information; By transmitting to the server 145 and receiving the approval processing result of processing the payment for the customer in full and the payment amount for the customer from the telecommunication company server 145, it is preferable to process the approval for the medical expenses installment payment request. .

In other words, if you want to pay the medical bill payment amount of 100,000 won by 5 months installment, payment approval processing for the medical bill payment payment request, the mobile phone server of the customer who requested the medical bill installment payment payment 10 It is preferable to request the payment for installment payment for 10,000 won and whether it is possible to pay the installment for 5 months, and to receive the installment payment approval result for the payment of the installment payment for 100,000 won for 5 months from the telecommunication company server 145 and use it as the approval for medical payment installment payment. Do.

According to another embodiment of the present invention, the payment approval process corresponding to the phone bill payment request requested by the customer, in response to the received phone bill payment request information, the carrier's credit rating of the customer who requested the phone bill payment It is preferable to provide the server to request payment approval for the phone bill payment request.

Here, the credit rating of the customer who requested the phone bill payment is the credit rating of another customer for using the phone bill payment service in the past, or the credit rating assigned by the telecommunication company for the mobile phone number used by the customer for the phone bill payment service, or for the customer. It is preferable that the credit rating provided by a financial institution (or a credit rating agency) is applied, and the customer automatically approves the number of months for which the customer requests a phone bill payment based on the credit rating of the customer, or when the credit rating of the customer is above a certain level, the customer It is desirable to automatically approve the number of months for which this Vonville payment is requested.

Subsequently, when the approval for the medical cost installment payment is completed through the approval processing means, the information providing means 120 sends the approval result for the medical cost installment payment to the medical institution terminal 150 and the mobile phone of the customer who requested the medical cost installment payment. It is desirable to notify.

Referring to FIG. 1, the medical bill payment system 100 completes a medical bill installment payment process and completes a billing process for a monthly payment amount initially requested through a telecommunication company. When the payment is completed, characterized in that it is provided with an installment payment processing means 125 for processing so that the remaining monthly payment amount is billed.

That is, when the customer requests a payment for medical expenses in a monthly installment of 100,000 won for five months, when it is confirmed that the payment processing for the first approved 20,000 won through the telecommunication company is completed, 20,000 won of the remaining 80,000 won is communicated with the telecommunication company server 145. It is desirable to process such that the customer is billed in conjunction.

In addition, when the payment processing for the charged 20,000 won is completed, 20,000 won of the remaining 60,000 won is processed to be billed to the customer again in connection with the communication company server 145, when the remaining amount is 0 won It is preferable to repeat until.

Referring to FIG. 1, when the medical bill payment system 100 receives the termination request mobile phone number information from the communication company server 145, the medical bill payment system 100 confirms whether there is a remaining payment amount for the received mobile phone number, or the communication company server. When the change target mobile phone number is received from 145, the information confirming means 130 for confirming the presence or absence of the remaining allotment amount for the received mobile phone number, and if the remaining allotment amount for the dismissal request target mobile number is confirmed, the communication company Requests that the remaining payment amount information for the mobile phone number is not transmitted by the server 145 so as not to be canceled, or requests and receives a target mobile phone number to be changed to the communication company server 145, and based on the remaining payment amount Characterized in that it comprises the information providing means 120 for processing to be charged through the mobile number to be changed.

When the mobile phone number information for the termination request is received through the communication company server 145, the information checking means 130 links the presence or absence of the remaining payment amount corresponding to the received mobile phone number information with the storage medium 140. Characterized in that the check, and if the remaining payment amount for the mobile phone number subject to the request remains, so as not to be canceled for the mobile phone number to the carrier server 145 in conjunction with the information providing means 120. Characterized by request.

That is, when the cancellation of the mobile phone number is made in the state where the remaining installment amount remains, the settlement of the remaining installment amount is impossible, so that the termination of the mobile number is not made through the communication company server 145. It is desirable to allow the processing of the remaining installment amount to be completed.

In this case, when payment of the remaining installment amount is made, it is preferable to process such that the termination is possible immediately.

In addition, when the change target mobile phone number information is received through the communication company server 145, the information checking means 130, the remaining payment amount corresponding to the received mobile phone number information associated with the storage medium 140 Characterized in that the check, and if the remaining payment amount for the dismissal request target mobile number is left, in connection with the information providing means 120 requests and receives the mobile phone information to be changed to the carrier company, and the storage medium Stored in 140, characterized in that the charge of the remaining installment amount is made through the mobile phone number after the change rather than the mobile phone number before the change.

That is, when a change processing for the mobile phone number is made while the remaining installment amount remains, the settlement of the remaining installment amount is impossible, so that the mobile communication number for the mobile number is further stored and stored. It is desirable to enable billing of the remaining installment amount through the server 145.

Referring to FIG. 1, the medical bill payment system 100 uses a medical service provided by a medical institution through the medical institution, and then a customer who has processed a medical bill payment amount generated through a medical bill installment payment service. In case of requesting cancellation of the medical expenses installment payment processing, medical expenses allotment including at least one of customer information, cancellation target cell phone number information, communication company information, and medical institution information from the medical institution terminal 150 (or a customer mobile phone, etc.). Information receiving means 105 for receiving payment cancellation request information and information checking means for confirming whether or not the monthly payment amount has been charged through the telecommunication company at least once in response to the received medical bill payment cancellation request information ( 130), and if it is confirmed that the monthly payment amount is confirmed, the monthly payment amount provided to the medical institution (or The amount of payment) is collected, and the customer is provided with an installment payment cancellation processing means 135 for refunding the customer.

That is, after the customer requests to pay the medical bill payment amount of 100,000 won by 5 month installment, 20,000 won of the medical bill payment payment is initially charged through the telecommunication company, and the customer pays 20,000 won charged by the telecommunication company. In one case, the medical expenses installment payment service provider (or telecommunications company) receiving 20,000 won charged through the telecommunication company will provide 20,000 won (or 100,000 won in total payment amount) to the medical institution. When received, the medical payment installment service provider (or telecommunications company) collects and collects 20,000 won (or a total installment payment amount of 100,000 won) provided to the medical institution, and refunds to the customer. As a result, the amount excluding the fee may be refunded.

Alternatively, after the customer requests to pay the medical bill payment amount of 100,000 won in 5 month installments, 20,000 won of the medical bill installment payment amount is initially charged through the telecommunication company, and the twenty thousand won is charged to the customer at the telecommunication company. If the cancellation request is received in advance, the medical billing payment service provider (or telecommunications company) may process the request of cancellation of 20,000 won to be paid to the customer first, and according to the intention and purpose of the skilled person You may be charged a fee.

Referring to FIG. 1, the phone bill payment system 100, after completing the phone bill payment required by the customer, the communication fee including the amount to be paid through the bill bill payment is overdue (that is, phone bill payment fee) Information confirmation means 130 for confirming whether or not), and the information providing means for processing to send a text message to the mobile phone number used in the phone bill payment, if the communication fee to be paid by the customer is overdue It is characterized by consisting of).

The information checking means 130 checks whether the communication fee including the amount to be settled through the phone bill installment payment is overdue after completing the phone bill installment payment requested by the customer.

According to the implementation method of the present invention, whether the communication fee is overdue (that is, the non-payment of the phone bill payment), whether or not the amount of money deposited from the carrier after payment through the phone bill payment and the remaining installment It is preferable to check whether the communication fee is overdue by checking the presence or absence of a payment amount.

According to another exemplary embodiment of the present invention, whether the communication fee is overdue (that is, the non-payment of the phone bill payment) is determined by the customer after payment through the phone bill payment, and then installment payment amount is requested to the carrier. It is preferable to confirm whether or not the communication fee is overdue by confirming whether or not the corresponding amount of money is deposited or by receiving and confirming the presence or absence of a late payment from the communication company.

The information providing means 120, when the customer is confirmed that the communication fee is overdue (that is, the unpaid phone bill payment), the customer transmits the guide information according to the unpaid mobile phone bill to the mobile phone number used for the bill bill payment Characterized in that.

According to an embodiment of the present invention, the guide information according to the non-payment of the mobile phone bill transmitted to the mobile phone number is preferably made including the unpaid number of months and the unpaid fee information. It is preferable that the communication fee is one or more than one monthly payment according to the phone bill payment.

According to another exemplary embodiment of the present invention, the guide information according to the non-payment of the mobile phone fee transmitted to the mobile phone number includes the non-payment guide information for the phone bill payment payment generated due to the non-payment of the mobile phone charge (that is, the non-payment of the communication fee) and a separate deposit. It is preferable to provide the account information to the customer, and if the unpaid amount is received through the provided deposit account information, the phoneville installment payment process is maintained, and if the deposit is not made for a certain period, the remaining amount is charged.

If the customer deposits the unpaid amount and pays the communication fee including the phone bill payment fee, the customer is notified that there is a phone bill payment fee charged through the communication fee and reflected in the remaining installment payment amount. It is desirable to.

That is, the customer has failed to pay the April communication fee, and the phone bill installment payment is incurred, and the installment payment included in the non-payment of the April communication fee and the April communication fee with 10 months of remaining installment payment remaining. If all payments have been made, it is advisable to treat the remaining months for installment payments as nine months.

2 is a diagram illustrating a process of providing a medical payment installment payment service according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a case in which a customer visits a medical institution, receives a medical service, and wishes to process a payment amount for a medical fee generated by using the medical service through an installment payment service based on phone bill payment service. Customer information (eg, social security number, name, etc.) for the customer who received the medical service through the medical institution, mobile phone number, payment amount information, and installment month information necessary to provide the installment payment service based on the phone bill payment service. Medical expenses payment system for providing a payment payment service for the medical expenses based on the received medical expenses installment payment request information from the terminal of the medical institution when receiving the medical expenses installment payment request information including at least one ( 100 illustrates an operation process of the present invention. Those skilled in the art can refer to and / or modify this drawing 2 to provide various modifications to the operation of the medical expenses payment system 100 for processing medical expenses installment request information received from the medical institution terminal 150. Although it may be possible to infer an implementation method (eg, change or subdivision of some order of the operation flow, etc.), the present invention includes all the implementation methods inferred above, and the technical features only by the implementation method shown in FIG. This is not limited.

Hereinafter, in FIG. 2, the medical fee payment system 100 shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 2, the server collects customer information, payment target mobile phone number information, payment amount information, installment month information, and medical institution information from the medical institution terminal 150 shown in FIG. 1 to use the medical cost installment payment service. Receiving medical bill payment request information including one or more (200), and calculates the monthly payment amount corresponding to the received medical bill payment request information (205).

Here, the customer information is used to visit a medical institution using the medical service provided by the medical institution, and then personal information (for example, name, social security number, home, etc.) for the customer who wants to use the payment service for the amount of medical expenses generated correspondingly. Telephone number).

In addition, the mobile phone number information for payment is visited to a medical institution, using a medical service provided by the medical institution, and the phone bill billed by adding the amount of medical expenses payment generated in response to the communication charges charged by the communication company based on the mobile phone number At least a mobile phone number information of a customer requesting a medical payment installment payment service for payment processing through a payment service, and a carrier information (for example, a carrier name, a business registration number, an address, a representative name, etc.) to which the customer's mobile phone number is subscribed. It is preferable to include one or more.

In addition, the payment amount information is preferably made to include the amount of information on the medical expenses generated by visiting the medical institution to use the medical service provided by the medical institution.

In addition, the installment month information may be included in the installment month information when requesting an installment payment rather than a temporary payment for medical expenses generated by visiting a medical institution and using a medical service provided by the medical institution.

In addition, the medical institution information is visited to the medical institution to use the medical service provided by the medical institution, and if you want to use the payment service for the payment of the medical expenses generated in response, the medical institution name for the medical institution requesting the payment, It is preferable to include at least one address, telephone number, representative name, business registration number and the like.

Here, the authentication process for the customer may be further included, whereby the present invention is not limited.

In the case where the identity verification process is included, the customer authentication process corresponding to the received medical cost installment payment request transmits the mobile phone number information included in the received medical cost installment payment request information to the communication company server 145. When requesting customer authentication, the communication server 145 transmits an authentication number (or authentication code) to the mobile phone number of the customer, and inputs the transmitted authentication number (or authentication code) through the medical institution terminal 150. By transmitting to the communication company server 145, it is preferable to authenticate the customer requesting the medical bill payment.

That is, by checking whether the customer requesting the medical cost installment payment and the customer who owns the mobile phone are the same customer, it is intended to prevent a problem due to the medical cost installment payment.

Thereafter, the server transmits the mobile phone number included in the calculated monthly payment amount and the installment payment request information to the telecommunication company server 145 to request a phone bill payment approval (210), and correspondingly from the telecommunication company server 145. After receiving the payment approval result corresponding to the phone bill payment approval request (215), the payment approval result received from the telecommunications company server 145 to pay through the medical institution terminal 150 (or the mobile phone or designated terminal of the customer) The approval result is notified (220) and stored on the storage medium 140 provided on the medical billing system 100 shown in FIG.

According to the implementation method of the present invention, the approval processing for the medical cost installment payment request calculates a monthly payment amount by dividing the payment amount included in the medical cost installment payment request information by the number of installment months, and the calculated monthly payment amount and The mobile phone number of the customer is transmitted to the mobile communication server server 145 to which the customer's mobile phone is subscribed, and requests only approval for the monthly payment amount, not the payment amount. It is desirable to approve all remaining payments.

In other words, if you want to pay a medical bill payment amount of 100,000 won by 5 months installment, payment approval processing for the medical bill payment payment request is 20,000 won to the telecommunications server 145 to which the mobile phone of the customer who requested the medical bill payment payment is subscribed. When the payment request for the payment is approved, and the payment approval for the twenty thousand won is completed in the telecommunication company server 145, it is preferable to approve the payment of the medical expenses installment payment for the one hundred thousand won, which further includes the remaining payment amount 80,000. Do.

In addition, when the payment for the 20,000 won that the customer has already requested the payment approval is confirmed, request the payment approval for the 20,000 won again from the remaining 80,000 won to the carrier server 145, and repeat until the remaining amount is 0 won It is preferable to request payment approval.

Here, it is preferable to further include an approval process for payment using the authentication number (or authentication code) in the medical expenses installment payment approval process for 20,000 won of the first 100,000 as needed.

According to another embodiment of the present invention, the payment approval process corresponding to the phone bill payment request requested by the customer, in response to the received phone bill payment request information, the carrier's credit rating of the customer who requested the phone bill payment It is preferable to provide the server to request payment approval for the phone bill payment request.

Here, the creditworthiness of the customer who requested the phone bill payment is the credit rating of another customer for the use of the phone bill payment service in the past, or the credit rating granted by the telecommunication company for the mobile phone number used by the customer for the phone bill payment service, or for the customer. It is preferable that the credit rating provided by a financial institution (or a credit rating agency) is applied, and the customer automatically approves the number of months for which the customer requests a phone bill payment based on the credit rating of the customer, or when the credit rating of the customer is above a certain level, the customer It is desirable to automatically approve the number of months for which this Vonville payment is requested.

Thereafter, the server checks whether the customer bills the billed monthly payment amount through a telecommunication company and completes the payment for the billed monthly payment amount (225).

If the payment processing for the monthly payment amount is confirmed (230), the server checks whether the remaining payment amount for the customer (235).

If the check result indicates that the remaining installment amount for the customer remains (240), the server transmits the monthly payment amount and the mobile phone number to the telecommunication company server 145 and re-requests the phone bill payment approval (245). .

That is, when the customer requests a payment for medical expenses in a monthly installment of 100,000 won for five months, when it is confirmed that the payment processing for the first approved 20,000 won through the telecommunication company is completed, 20,000 won of the remaining 80,000 won is communicated with the telecommunication company server 145. It is desirable to process such that the customer is billed in conjunction.

In addition, when the payment processing for the charged 20,000 won is completed, 20,000 won of the remaining 60,000 won is processed to be billed to the customer again in connection with the communication company server 145, when the remaining amount is 0 won It is preferable to repeat until.

On the other hand, if there is no remaining payment amount remaining for the customer (240), the server terminates the process for providing the medical cost payment service.

3 is a diagram illustrating a process of processing a dismissal request for a mobile phone according to the provision of a medical bill payment service according to an embodiment of the present invention.

In more detail, when FIG. 3 receives a dismissal request for a mobile phone used to provide the medical bill payment service in the process of providing the medical bill payment service according to the procedure shown in FIG. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 3 to provide various implementation methods (e.g., operation flow) It may be possible to infer a change or subdivision of some order, etc., but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the medical fee payment system 100 shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 3, the server receives information on the termination request mobile phone number from the communication company server 145 shown in FIG. 1 (300), and checks whether there is a remaining allotment amount for the received termination request mobile phone number. (305).

If the remaining payment amount for the dismissal request mobile phone number is not confirmed (310), the server notifies the communication company server 145 that there is no remaining payment amount to complete the termination process (315).

On the other hand, if the remaining payment amount for the dismissal request target mobile phone number is confirmed (310), the server requests that the dismissal request for the dismissal request target mobile phone number is not processed (320).

That is, when the cancellation of the mobile phone number is made in the state where the remaining installment amount remains, the settlement of the remaining installment amount is impossible, so that the termination of the mobile number is not made through the communication company server 145. It is desirable to allow the processing of the remaining installment amount to be completed.

In this case, when payment of the remaining installment amount is made, it is preferable to process such that the termination is possible immediately.

4 is a diagram illustrating a process of processing a mobile phone number change request according to provision of a medical bill payment service according to an embodiment of the present invention.

In more detail, when FIG. 4 receives a number change request for a mobile phone used to provide the medical cost installment payment service in the process of providing the medical cost installment payment service according to the procedure shown in FIG. As illustrated in the drawing, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 4 to provide a medical billing payment service. It may be possible to infer a change or subdivision of some order of flow, etc., but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the medical bill payment system 100 shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 4, the server receives the change target mobile phone number information from the communication company server 145 shown in FIG. 1 (400), and checks whether there is a remaining allotment amount for the received change target mobile phone number ( 405).

If the remaining payment amount for the change target mobile phone number is not confirmed (410), the server notifies the telecommunication company server 145 that there is no remaining payment amount to complete the processing of the mobile phone number change (415).

On the other hand, if the remaining payment amount for the change target mobile phone number is confirmed (410), the server requests the mobile phone number to be changed to the carrier server 145 (420), received from the carrier server 145 The mobile phone number to be changed is stored in the storage medium 140 (425).

That is, when a change processing for the mobile phone number is made while the remaining installment amount remains, the settlement of the remaining installment amount is impossible, so that the mobile communication number for the mobile number is further stored and stored. It is desirable to enable billing of the remaining installment amount through the server 145.

5 is a diagram illustrating a process of processing a cancellation request for a medical bill payment service requested by a customer according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a request for cancellation of a medical expenses installment payment process for a customer who has paid medical expenses using the medical expenses payment service in the process of providing the medical expenses payment service according to the procedure shown in FIG. As a process of processing the present invention, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5, and various implementation methods for providing a medical payment installment payment service (for example, It is possible to infer a change or subdivision of some order of the operation flow, etc., but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the medical bill payment system 100 illustrated in FIG. 1 is referred to as a “server”.

Referring to FIG. 5, when the server receives the medical expenses allotment cancellation request from the affiliated store terminal (or a customer terminal including the mobile phone used for the medical expenses allotment payment) shown in FIG. 1 (500), the communication company server 145 In step 505, the payment of the monthly payment amount for the received payment request for cancellation is made in connection with the check.

If the charge for the monthly payment amount for the medical expenses payment request is not made (510), the server requests the carrier company 145 to cancel the phone bill charging for the monthly payment amount (515).

On the other hand, when the charge of the monthly payment amount for the medical expenses installment payment request is made (510), the server requests the carrier company 145 to cancel the phone bill charges for the monthly payment amount, the monthly payment provided to the merchant After recovering the amount (520), a refund is processed to the customer based on the collected monthly payment amount (525).

That is, after the customer requests to pay the medical bill payment amount of 100,000 won by 5 month installment, 20,000 won of the medical bill payment payment is initially charged through the telecommunication company, and the customer pays 20,000 won charged by the telecommunication company. In one case, the medical expenses installment payment service provider (or telecommunications company) receiving 20,000 won charged through the telecommunication company will provide 20,000 won (or 100,000 won in total payment amount) to the medical institution. When received, the medical payment installment service provider (or telecommunications company) collects and collects 20,000 won (or a total installment payment amount of 100,000 won) provided to the medical institution, and refunds to the customer. As a result, the amount excluding the fee may be refunded.

Alternatively, after the customer requests to pay the medical bill payment amount of 100,000 won in 5 month installments, 20,000 won of the medical bill installment payment amount is initially charged through the telecommunication company, and the twenty thousand won is charged to the customer at the telecommunication company. If the cancellation request is received in advance, the medical billing payment service provider (or telecommunications company) may process the request of cancellation of 20,000 won to be paid to the customer first, and according to the intention and purpose of the skilled person You may be charged a fee.

6 is a diagram illustrating a process of providing a medical payment installment payment service according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a case in which a customer visits a medical institution, receives a medical service, and wishes to process a payment amount for a medical fee generated by using the medical service through an installment payment service based on a phone bill payment service. Customer information (eg, social security number, name, etc.) for the customer who received the medical service through the medical institution, mobile phone number, payment amount information, and installment month information necessary to provide the installment payment service based on the phone bill payment service. Medical expenses payment system for providing a payment payment service for the medical expenses based on the received medical expenses installment payment request information from the terminal of the medical institution when receiving the medical expenses installment payment request information including at least one ( 100 illustrates an operation process of the present invention. Those skilled in the art can refer to and / or modify this drawing to describe various operations for the operation of the medical expenses payment system 100 for processing medical expenses payment request information received from the medical institution terminal 150. Although it is possible to infer an implementation method (eg, change or subdivision of some order of the operation flow, etc.), the present invention includes all the implementation methods inferred above, and the technical features only by the implementation method shown in FIG. This is not limited.

Hereinafter, in FIG. 6, the medical bill payment system 100 shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 6, the server collects customer information, payment target mobile phone number information, payment amount information, installment month information, and medical institution information from the medical institution terminal 150 shown in FIG. 1 to use the medical cost installment payment service. The medical expenses payment payment request information including one or more is received (600).

Here, the customer information is used to visit a medical institution using the medical service provided by the medical institution, and then personal information (for example, name, social security number, home, etc.) for the customer who wants to use the payment service for the amount of medical expenses generated correspondingly. Telephone number).

In addition, the mobile phone number information for payment is visited to a medical institution, using a medical service provided by the medical institution, and the phone bill billed by adding the amount of medical expenses payment generated in response to the communication charges charged by the communication company based on the mobile phone number At least a mobile phone number information of a customer requesting a medical payment installment payment service for payment processing through a payment service, and a carrier information (for example, a carrier name, a business registration number, an address, a representative name, etc.) to which the customer's mobile phone number is subscribed. It is preferable to include one or more.

In addition, the payment amount information is preferably made to include the amount of information on the medical expenses generated by visiting the medical institution to use the medical service provided by the medical institution.

In addition, the installment month information may be included in the installment month information when requesting an installment payment rather than a temporary payment for medical expenses generated by visiting a medical institution and using a medical service provided by the medical institution.

In addition, the medical institution information is visited to the medical institution to use the medical service provided by the medical institution, and if you want to use the payment service for the payment of the medical expenses generated in response, the medical institution name for the medical institution requesting the payment, It is preferable to include at least one address, telephone number, representative name, business registration number and the like.

Here, the authentication process for the customer may be further included, whereby the present invention is not limited.

In the case where the identity verification process is included, the customer authentication process corresponding to the received medical cost installment payment request transmits the mobile phone number information included in the received medical cost installment payment request information to the communication company server 145. When requesting customer authentication, the communication server 145 transmits an authentication number (or authentication code) to the mobile phone number of the customer, and inputs the transmitted authentication number (or authentication code) through the medical institution terminal 150. By transmitting to the communication company server 145, it is preferable to authenticate the customer requesting the medical bill payment.

That is, by checking whether the customer requesting the payment for medical expenses and the customer owning the mobile phone are the same customers, it is intended to prevent a problem due to the payment for medical expenses.

Thereafter, the server transmits the mobile phone number, payment amount, and installment months included in the received medical expenses payment request information to the communication company server 145 to request a phone bill payment approval (610), and correspondingly, the communication company server After receiving the payment approval result corresponding to the phone bill payment approval request from 145 (615), the payment approval result received from the telecommunications company server 145 to the medical institution terminal 150 (or the customer's mobile phone or designated terminal The payment approval result is notified through 620 and stored on the storage medium 140 provided on the medical billing payment system 100 shown in FIG.

Here, the processing result for the medical expenses installment payment request, preferably, the payment information including the mobile phone number information, the installment month information, the remaining installment payment amount information, and the payment history information according to the installment payment.

According to an embodiment of the present invention, the approval processing for the medical cost installment payment request includes a communication company server to which a customer's mobile phone is subscribed to a payment amount, an installment month, and a target mobile phone number included in the received medical cost installment payment request information; 145) by receiving the approval processing result of processing the approval for the total payment amount and the installment months for the customer at the telecommunications company server 145, it is preferable to process the approval for the medical expenses installment payment request.

In other words, if you want to pay the medical bill payment amount of 100,000 won in 5 months installment, payment approval processing for the medical cost installment payment request is 100,000 won to the telecommunications server 145 of the mobile phone of the customer who requested the medical cost installment payment It is preferable to request the payment for the installment payment for whether it is possible to pay in installments for 5 months, and receive the installment payment approval result for paying the installment payment for 5 months for 100,000 won from the telecommunication company server 145 and use it as a medical payment installment approval result. .

According to another embodiment of the present invention, the payment approval process corresponding to the phone bill payment request requested by the customer, in response to the received phone bill payment request information, the carrier's credit rating of the customer who requested the phone bill payment It is preferable to provide the server to request payment approval for the phone bill payment request.

Here, the creditworthiness of the customer who requested the phone bill payment is the credit rating of another customer for the use of the phone bill payment service in the past, or the credit rating granted by the telecommunication company for the mobile phone number used by the customer for the phone bill payment service, or for the customer. It is preferable that the credit rating provided by a financial institution (or a credit rating agency) is applied, and the customer automatically approves the number of months for which the customer requests a phone bill payment based on the credit rating of the customer, or when the credit rating of the customer is above a certain level, the customer It is desirable to automatically approve the number of months for which this Vonville payment is requested.

FIG. 7 is a diagram illustrating a processing procedure for unpaid communication charges generated in an installment payment process after the phone bill payment processing according to an embodiment of the present invention.

In more detail, Figure 7 shows that a customer purchases one or more goods or services using a phone bill merchant through a phone bill merchant, and pays the billing amount due to the purchase of a product or the use of the service by phone bill payment. If you want to process, if the customer who purchased one or more products (or using one or more services) through the phone bill merchant provides mobile phone number and customer information (eg, social security number, name, etc.), in conjunction with the carrier server 140 After processing the real name authentication and payment authentication based on the mobile phone number of the customer, and provides the phone bill payment request processing result of the customer to the terminal of the phone bill merchant, and if the customer overdue the phone bill payment fee As the process of the present invention, those skilled in the art to which the present invention pertains, Although various embodiments of the present invention may be inferred by referring to and / or modifying the drawing 1, the present invention may include all implementation methods inferred. The technical features of the present invention are not limited only to the implementation method illustrated in FIG. 1.

Hereinafter, in FIG. 7, the phone bill payment system 100 illustrated in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 7, after the server shown in FIG. 1 completes the phone bill payment service requesting the phone bill payment service, the communication fee including the amount to be settled through the phone bill payment payment is overdue. (Ie, non-payment of the vonville installment fee) (700).

According to the implementation method of the present invention, whether the communication fee is overdue (that is, the non-payment of the phone bill payment), whether or not the amount of money deposited from the carrier after payment through the phone bill payment and the remaining installment It is preferable to check whether the communication fee is overdue by checking the presence or absence of a payment amount.

According to another exemplary embodiment of the present invention, whether the communication fee is overdue (that is, the non-payment of the phone bill payment) is determined by the customer after payment through the phone bill payment, and then installment payment amount is requested to the carrier. It is preferable to confirm whether or not the communication fee is overdue by confirming whether or not the corresponding amount of money is deposited or by receiving and confirming the presence or absence of a late payment from the communication company.

If the communication charge delinquency history for the customer is confirmed (705), the server transmits the guide information according to the non-payment of the mobile phone fee to the mobile phone number used by the customer for the phone bill payment (710).

According to an embodiment of the present invention, the guide information according to the non-payment of the mobile phone bill transmitted to the mobile phone number is preferably made including the unpaid number of months and the unpaid fee information, and the unpaid fee information is charged to the customer by the telecommunication company. It is preferable that the communication fee is one or more than one monthly payment according to the phone bill payment.

According to another exemplary embodiment of the present invention, the guide information according to the non-payment of the mobile phone fee transmitted to the mobile phone number includes the non-payment guide information for the phone bill payment payment generated due to the non-payment of the mobile phone charge (that is, the non-payment of the communication fee) and a separate deposit. It is preferable to provide the account information to the customer, and if the unpaid amount is received through the provided deposit account information, the phoneville installment payment process is maintained, and if the deposit is not made for a certain period, the remaining amount is charged.

If the customer deposits the unpaid amount and pays the communication fee including the phone bill payment fee, the customer is notified that there is a phone bill payment fee charged through the communication fee and reflected in the remaining installment payment amount. It is desirable to.

That is, the customer has failed to pay the April communication fee, and the phone bill installment payment has occurred, and the remaining payment installment payments are included in the unpaid payments in April and the payment charges in April. If you have paid in full, it is advisable to treat your remaining installment payments as nine months.

According to the present invention, by paying a medical bill payment through the phone bill payment using a mobile phone number of the medical bill payment when visiting a medical institution, there is an advantage that the inconvenience of having to carry a conventional credit card or cash is eliminated .

According to the present invention, by providing an installment payment service for a generally provided phone bill payment service, there is an advantage that can solve the problem of the phone bill payment service with a small limit.

For example, when a doctor visits a hospital and takes X-rays, if the customer only spends $ 5,000 in cash, the cost of the X-rays is usually higher, which makes it difficult to pay for medical expenses. By providing a payment service using a mobile phone to carry, there is an advantage to enable convenient medical services.

Claims (7)

When receiving the medical bill payment request information including the mobile phone number information, social security number information, the total payment amount information and the installment month information from the medical institution terminal, calculating the monthly payment amount based on the received total payment amount and the installment months Way; Means for transmitting the calculated monthly payment amount and a mobile phone number to a telecommunication company server to request a phone bill payment approval for medical expenses; Medical bills using the phone bill, characterized in that; when the phone bill payment approval result is received from the telecommunications company server, means for connecting the mobile phone number information, the installment month information and the payment amount information for the customer to the storage medium; Installment payment service operation system. The method of claim 1, Means for confirming remaining payment amount information for the customer when receiving the monthly payment amount for the customer is confirmed; When the remaining monthly payment amount to the customer is confirmed, means for requesting the approval of the phone bill payment by transmitting the monthly payment amount of the customer and the mobile phone number to the carrier company; Medical bill payment service using a phone bill characterized in that it comprises a Operating system. The method of claim 1, Means for confirming whether a remaining mobile payment number is received for the received mobile phone number when receiving termination request mobile phone number information from a communication company server; And a means for requesting a telecommunication company server not to cancel the mobile phone number when the remaining installment amount of the mobile phone number subject to termination request is confirmed, the medical bill payment service operating system using a phone bill. The method of claim 1, Means for confirming whether or not the mobile phone number (a) to be changed is received from the telecommunication company server, whether or not the mobile phone number (a) has a remaining installment amount; When the remaining installment amount for the mobile number (a) is confirmed, the mobile communication server requests and receives a new mobile number (b) for which the mobile number (a) is to be changed, and the information on the remaining installment amount is received. Means for processing to be changed to the mobile phone number (b); Medical bill installment service operating system using a phone bill comprising a. The method of claim 1, Means for confirming whether at least one monthly payment has been made to the customer in connection with a telecommunication company server when a cancellation request for the phone bill payment is received; Means for retrieving the monthly payment amount provided to the ponville affiliated store once more than one monthly payment amount is charged, and for refunding to the customer when the collection processing of the provided monthly payment amount is completed; Medical payment installment payment service operating system. When receiving the medical bill payment request information including the mobile phone number information, social security number information, the total payment amount information and the installment month information from the medical institution terminal, calculating the monthly payment amount based on the received total payment amount and the installment months step; Transmitting the calculated monthly payment amount and a mobile phone number to a telecommunication company server to request a phone bill payment approval for medical expenses; When the phone bill payment approval result is received from the telecommunications company server, the mobile phone number information, the installment month information and the installment amount information for the customer to store in a storage medium; medical expenses using a phone bill comprising the Installment payment service operation method. A computer-readable recording medium recording a program for executing the method of claim 6.

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