System for managing medical insurance using information communication network
1 Assignment
0 Petitions
Accused Products
Abstract
A medical insurance control system and method thereof using medical insurance electronic recording medium and communication networks applicable with a smart medium card stored with individual history information and medical insurance related information on medical insurance beneficiary and on-line access information, the card being used to make an on-line information access to check medical treatment history of the relevant medical insurance beneficiary and to allow a medical institution to immediately request medical insurance premium and medical treatment fee (patients burden) on-line and have same certified in payment, wherein the medical insurance card holder can be confirmed as a legitimate medical insurance beneficiary by the medical insurance management system when receiving medical treatments in hospitals and clinics to thereby efficiently prevent medical institutions from making false and unlawful requests or medical insurance beneficiaries from making a non-payment for a long time, wherein the medical insurance electronic recording medium includes an on-line settlement function so that it is possible to make an instant payment at medical institutions for medical fee (to be paid by patient), thereby improving convenience for medical insurance beneficiaries.
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Citations
23 Claims
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1. (cancelled)
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2. (cancelled)
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3. (cancelled)
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4. (cancelled)
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5. (cancelled)
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6. (cancelled)
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7. (cancelled)
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8. (cancelled)
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9. (amended) A medical insurance management system using a communication network, the system comprising:
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A medical insurance electronic recording medium composed of a card-type information recording medium and issued to a medical insurance beneficiary, the medical insurance electronic recording medium including a medical insurance-related information zone where medical insurance-related information allocated to the medical insurance beneficiary, access security information for on-line accessing the medical insurance management system and personal information regarding one or more beneficiaries capable of using a medical insurance card are recorded, and a medical treatment recording information zone where currently updated medical treatment recording information is recorded;
a medical institution regional terminal of pharmacy or medical institution, including card reading/writing means for reading information of the medical insurance electronic recording medium and for writing the currently updated medical treatment recording information transmitted from the medical insurance management system, for on-line accessing the medical insurance management system through the communication network by using the access security information obtained from the medical insurance electronic recording medium to read medical treatment recording information about a relevant medical insurance beneficiary and for transmitting present medical treatment information about the relevant medical insurance beneficiary while on-line demanding payment of a medical insurance premium and medical fee(to be paid by patient) corresponding to the present medical treatment information;
medical insurance management means for allowing an on-line access to the medical institution regional terminal according to the access security information of the medical insurance-related information recorded on the medical insurance electronic recording medium, which is received from the medical institution regional terminal connected through a predetermined communication network, for setting whether inquiry for medical treatment recording information can be accepted from the medical institution regional terminal, for authenticating payment approval for medical insurance premium and medical fee(to be paid by patient), and for transmitting the currently updated medical treatment recording information to be recorded in the medical insurance electronic recording medium to the medical institution regional terminal connected to the communication network;
a payment approval server for certifying the payment approval for relevant medical institution in response to a request for payment approval from the medical insurance management means; and
an information database for storing the medical insurance-related information of the medical insurance beneficiary recorded on the medical insurance electronic recording medium and medical treatment history information containing all the medical treatment information of the medical insurance beneficiary recorded heretofore. - View Dependent Claims (10, 11, 13, 14, 15, 16, 22, 23)
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12. (cancelled)
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17. (amended) A medical insurance management method using a communication network, the method comprising the steps of:
- accessing a medical insurance management system by a medical institution regional terminal through an information communication network in accordance with an access security information included in medical insurance-related information stored in a medical insurance electronic recording medium, which is presented by a medical insurance beneficiary and;
transmitting a result of treatment of the medical insurance beneficiary to the medical insurance management system white the medical institution regional terminal is on-line accessing the medical insurance management system, and demanding payment of a medical insurance premium and medical fee(to be paid by patient) allocated as the result of treatment;
storing the result of treatment received from the medical institution regional terminal in an information database in the medical insurance management system as medical treatment history information, processing a payment approval for a demanded medical insurance premium and medical fee(to be paid by patient), and transmitting, latest medical treatment information to be stored as the medical treatment history information for the relevant medical insurance beneficiary of the medical insurance electronic recording medium, to the medical institution regional terminal; and
paying the medical insurance premium and medical fee(to be paid by patient) approved in payment in the step of processing the payment approval by a medical insurance management corporation to a relevant medical institution at a prescribed date. - View Dependent Claims (18, 20, 21)
- accessing a medical insurance management system by a medical institution regional terminal through an information communication network in accordance with an access security information included in medical insurance-related information stored in a medical insurance electronic recording medium, which is presented by a medical insurance beneficiary and;
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19. (amended) The method as defined 17 wherein the step of processing a payment approval of the medical insurance premium and medical fee (to be paid by patient) from the medical institution regional terminal further includes a step:
- determining whether a signature approval information on medical treatment result details of the medical insurance beneficiary is received or not, and allowing payment approval of the medical insurance premium and medical fee(to be paid by patient) if it is determined that the signature approval information is received.
Specification