阅读说明：本技术 医疗机构预付金账户填平方法 (Method for filling up prepaid account of medical institution ) 是由 王海涛 于 2021-08-29 设计创作，主要内容包括：本发明提供一种医疗机构预付金账户填平方法,应用在区块链节点执行的智能合约中,包括：依据预定的时间,获取医疗机构的预付金账户余额；将所述预付金账户余额与目标余额进行比较,当所述目标余额大于所述预付金账户余额时,获取所述目标余额与所述预付金账户余额的差额；依据所述差额,发起由医疗机构普通账户向所述预付金账户划转资金的交易。本发明能够由智能合约自行监控预付金账户的余额,当金额不足时,自动进行资金的划转。(The invention provides a method for filling up a prepaid account of a medical institution, which is applied to an intelligent contract executed by a block chain node and comprises the following steps: acquiring the balance of a prepaid account of the medical institution according to the preset time; comparing the balance of the prepaid account with a target balance, and acquiring a difference between the target balance and the balance of the prepaid account when the target balance is greater than the balance of the prepaid account; initiating a transaction to transfer funds from a general account of the medical institution to the prepaid account in accordance with the balance. The invention can automatically monitor the balance of the account of the prepaid fee by the intelligent contract, and automatically transfer the fund when the amount of money is insufficient.)

1. A method for filling up prepaid account of medical institution, which is applied in intelligent contract executed by block chain node, includes:

acquiring the balance of a prepaid account of the medical institution according to the preset time;

comparing the balance of the prepaid account with a target balance, and acquiring a difference between the target balance and the balance of the prepaid account when the target balance is greater than the balance of the prepaid account;

initiating a transaction to transfer funds from a general account of the medical institution to the prepaid account in accordance with the balance.

2. The medical institution prepaid account leveling method according to claim 1, wherein acquiring the balance of the medical institution's prepaid account according to the predetermined time includes:

acquiring the current amount to be paid according to preset time;

calculating a difference value between the current balance of the prepaid account and the amount to be paid;

and taking the difference value as the balance of the medical institution prepayment account.

3. The medical institution prepaid account leveling method according to claim 2, wherein the acquiring of the current amount to be paid according to the predetermined time includes:

acquiring a plurality of items to be paid currently according to preset time;

and determining the current amount to be paid according to the items to be paid.

4. The medical institution prepaid account leveling method according to claim 3, wherein the determining of the current amount to be paid in accordance with the item to be paid includes:

determining a combination mode of a plurality of items to be paid according to the items to be paid;

determining the amount to be paid in each combination mode according to the combination mode;

and acquiring a plurality of amounts to be paid which are smaller than the current balance of the prepaid account, and determining the maximum amount to be paid from the plurality of amounts to be paid as the current amount to be paid.

5. The medical institution prepaid account leveling method according to claim 4, wherein determining the maximum amount to be paid from the plurality of amounts to be paid as the current amount to be paid includes:

and regenerating other items to be paid except the items to be paid corresponding to the current amount to be paid into new amount to be paid, and initiating a transaction for recording the new amount to be paid to the block chain.

6. The medical institution prepaid account leveling method according to claim 1, wherein initiating a transaction to transfer funds from a medical institution general account to the prepaid account in accordance with the balance comprises:

initiating a payment request for transferring funds from the common account to the prepaid account to a banking institution according to the difference, and initiating a transaction for recording the payment request to a block chain;

and acquiring a payment result returned by the bank mechanism, and initiating a transaction for recording the payment result to the block chain.

7. The medical institution prepaid account leveling method according to claim 1, wherein initiating a transaction to transfer funds from a medical institution general account to the prepaid account in accordance with the balance comprises:

when the difference is larger than the balance of the common account, sending a prompt to a medical institution;

initiating a transaction to transfer funds from the healthcare institution common account to the prepaid account when the balance is not greater than the common account balance.

8. The medical institution prepaid account leveling method of claim 7, wherein sending a prompt to the medical institution when the balance is greater than the general account balance comprises:

the balance of the common account is fully paid to the balance of the prepaid account;

obtaining a balance between the target balance and the balance of the prepaid account;

and sending a payment request to the medical institution according to the difference.

9. The medical institution prepaid account leveling method according to claim 1, wherein the sending of the payment request to the medical institution in accordance with the balance comprises, after:

and acquiring the response of the medical institution to the payment request, and paying the prepaid account according to the response.

Technical Field

The invention relates to the technical field of intelligent contracts, in particular to a method for filling a prepaid account of a medical institution.

Background

In the current medical purchasing process, a medical institution usually sets a prepaid account, transfers a certain amount of money in the prepaid account, and can directly make a deduction by a bank in the payment process of medical prices. In this form, although the amount of money in the prepaid account may be monitored by the bank, the process of filling the prepaid account still requires monitoring and manipulation by the medical institution, which is cumbersome and time consuming.

Disclosure of Invention

The method for filling the medical institution prepaid account can automatically monitor the balance of the prepaid account by an intelligent contract, and automatically transfer funds when the amount of money is insufficient.

The invention provides a method for filling up a prepaid account of a medical institution, which is applied to an intelligent contract executed by a block chain node and comprises the following steps:

acquiring the balance of a prepaid account of the medical institution according to the preset time;

comparing the balance of the prepaid account with a target balance, and acquiring a difference between the target balance and the balance of the prepaid account when the target balance is greater than the balance of the prepaid account;

initiating a transaction to transfer funds from a general account of the medical institution to the prepaid account in accordance with the balance.

Optionally, obtaining the balance of the prepaid account of the medical institution based on the predetermined time comprises:

acquiring the current amount to be paid according to preset time;

calculating a difference value between the current balance of the prepaid account and the amount to be paid;

and taking the difference value as the balance of the medical institution prepayment account.

Optionally, the obtaining the current amount to be paid according to the predetermined time includes:

acquiring a plurality of items to be paid currently according to preset time;

and determining the current amount to be paid according to the items to be paid.

Optionally, determining the current amount to be paid according to the item to be paid includes:

determining a combination mode of a plurality of items to be paid according to the items to be paid;

determining the amount to be paid in each combination mode according to the combination mode;

and acquiring a plurality of amounts to be paid which are smaller than the current balance of the prepaid account, and determining the maximum amount to be paid from the plurality of amounts to be paid as the current amount to be paid.

Optionally, determining that the maximum amount to be paid is the current amount to be paid from the plurality of amounts to be paid comprises:

and regenerating other items to be paid except the items to be paid corresponding to the current amount to be paid into new amount to be paid, and initiating a transaction for recording the new amount to be paid to the block chain.

Optionally, initiating a transaction to transfer funds from a general account of a medical institution to the prepaid account in accordance with the balance comprises:

initiating a payment request for transferring funds from the common account to the prepaid account to a banking institution according to the difference, and initiating a transaction for recording the payment request to a block chain;

and acquiring a payment result returned by the bank mechanism, and initiating a transaction for recording the payment result to the block chain.

Optionally, initiating a transaction to transfer funds from a general account of a medical institution to the prepaid account in accordance with the balance comprises:

when the difference is larger than the balance of the common account, sending a prompt to a medical institution;

initiating a transaction to transfer funds from the healthcare institution common account to the prepaid account when the balance is not greater than the common account balance.

Optionally, when the balance is greater than the normal account balance, sending a prompt to the medical institution comprises:

the balance of the common account is fully paid to the balance of the prepaid account;

obtaining a balance between the target balance and the balance of the prepaid account;

and sending a payment request to the medical institution according to the difference.

Optionally, sending a payment request to the medical institution in accordance with the balance comprises:

and acquiring the response of the medical institution to the payment request, and paying the prepaid account according to the response.

In the technical scheme of the invention, anyone can not tamper on the intelligent contract storage and execution and block chain, thus ensuring the credibility of the payment environment and the payment operation and providing a basic trust environment for automatic fund transfer. Meanwhile, data in the fund transfer process can be stored in the block chain, so that the characteristics of credibility, traceability and non-falsification are provided for the fund transfer process. In the technical scheme provided by the invention, the intelligent contract is used for monitoring the amount of money and automatically transferring funds, so that the work of monitoring the account of the prepaid money by a medical institution user is simplified, and the working efficiency is improved.

Drawings

FIG. 1 is a flow chart of a method for filling a prepaid account in a medical institution in accordance with an embodiment of the present invention;

FIG. 2 is a flow chart of a prepaid account balance acquisition method for a medical institution in accordance with another embodiment of the present invention;

FIG. 3 is a flow chart of a method for leveling a prepaid account of a medical institution to determine an amount to be paid according to an embodiment of the invention;

FIG. 4 is a flowchart of a method for leveling a prepaid account of a medical institution to determine a current amount to be paid according to an embodiment of the present invention;

FIG. 5 is a flow chart of a fund transfer of a method for leveling a pre-paid account of a medical institution in accordance with one embodiment of the present invention;

fig. 6 is a flowchart of a method for filling a prepaid account in a medical institution according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The embodiment of the invention provides a method for filling a prepaid account of a medical institution, which is applied to an intelligent contract executed by a block chain node, and as shown in figure 1, the method comprises the following steps:

step 101, acquiring balance of a prepaid account of a medical institution according to preset time; in some embodiments, the predetermined time is determined according to a predetermined period, for example, the predetermined period may be one day, one week, one month, etc., although it will be understood by those skilled in the art that the longer the predetermined time, the greater the target balance given to the prepaid account of the medical institution, since the payment period directly affects the filling process of the prepaid account, and the higher the amount of payment of the price that may occur during the period when the period is longer. The intelligent contract conducts the grabbing of the balance of the prepay account according to a preset period so as to facilitate the subsequent filling operation.

Step 102, comparing the balance of the prepaid account with a target balance, and acquiring the difference between the target balance and the balance of the prepaid account when the target balance is larger than the balance of the prepaid account; in some embodiments, the target balance is the amount the prepaid account should have at the initial time of a payment cycle, i.e., the maximum amount the prepaid account will use to pay for medical charges during the payment cycle. In this step, the target balance is debited from the balance of the prepaid account to obtain the amount that should be transferred to the prepaid account in order to fill it up.

Step 103, initiating a transaction of transferring funds from the general medical institution account to the prepaid account according to the difference. In some embodiments, because the balance is the amount of money that is missing from the current prepaid account, funds are transferred from the general account to the prepaid account to bring the balance of the prepaid account to the target balance.

In the technical scheme of the embodiment, anyone can not tamper on the intelligent contract storage and execution and block chain, so that the credibility of the payment environment and the payment operation is ensured, and a basic trust environment is provided for automatic fund transfer. Meanwhile, data in the fund transfer process can be stored in the block chain, so that the characteristics of credibility, traceability and non-falsification are provided for the fund transfer process. In the technical scheme provided by the embodiment, the intelligent contract is used for monitoring the amount of money and automatically transferring funds, so that the work of monitoring the account of the prepaid money by a medical institution user is simplified, and the working efficiency is improved.

As an alternative embodiment, as shown in fig. 2, acquiring the balance of the prepaid account of the medical institution according to the predetermined time includes:

step 201, acquiring the current amount to be paid according to preset time; in some embodiments, at a predetermined time, i.e., the predetermined time in step 101. The amount to be paid is the price that should be paid at the present time without payment yet made.

Step 202, calculating a difference value between the current balance of the prepaid account and the amount to be paid; in some embodiments, since the amount to be paid is due but not yet paid, the amount to be paid needs to be filled in during the filling process in order to ensure that sufficient amount is paid in the prepaid account in the next period. The difference calculated in the step is the residual amount after the payment to be paid, and is beneficial to the calculation of the filling amount in the subsequent filling process.

And step 203, using the difference value as the balance of the medical institution prepaid account. In some embodiments, the difference calculated in step 202 is the amount remaining after the amount to be paid is paid, and therefore is used as the balance of the prepaid account in this step for the subsequent fill-in operation.

As an alternative embodiment, as shown in fig. 3, the obtaining of the current amount to be paid according to the predetermined time includes:

step 301, acquiring a plurality of items to be paid currently according to preset time; in some embodiments, at the current time, there may be multiple items that should be paid but not yet paid, and thus multiple items to be paid are acquired simultaneously in this step.

Step 302, determining the current amount to be paid according to the item to be paid. In some embodiments, at least a portion of the plurality of items to be paid are selected as current items to be paid, and an amount to be paid is determined. Of course, in the selection process, the selection should be made depending on the balance of the prepaid account, and if the balance of the prepaid account can pay only part of the items to be paid, part of the items to be paid should be selected, and if the prepaid account can pay all the items to be paid, all the items to be paid should be selected.

As an alternative implementation, as shown in fig. 4, the determining the current amount to be paid according to the item to be paid includes:

step 401, determining a combination mode of a plurality of items to be paid according to the items to be paid; in some embodiments, since the prepaid account balance may be sufficient to pay only a portion of the items to be paid, as much as possible should be paid in a single cycle, the combination of the plurality of items to be paid is determined in this step to facilitate subsequent determination of the payment amount.

Step 402, determining the amount to be paid in each combination mode according to the combination mode; in some embodiments, the amount of money in each combination is calculated to facilitate subsequent comparisons.

Step 403, obtaining a plurality of amounts to be paid which are smaller than the current balance of the prepaid account, and determining the maximum amount to be paid from the plurality of amounts to be paid as the current amount to be paid. In some embodiments, in order to pay as much as possible of the amount to be paid in the current period, the maximum amount to be paid that can be paid is selected as the current amount to be paid in this step.

As an optional implementation manner, after determining the maximum amount to be paid from the plurality of amounts to be paid as the current amount to be paid, the method includes:

step 501, regenerating other items to be paid except the items to be paid corresponding to the current amount to be paid into a new amount to be paid, and initiating a transaction for recording the new amount to be paid to the block chain. In some embodiments, when the amount to be paid is changed, a transaction is initiated to the blockchain for recording, thereby generating a new non-tampered amount to be paid. In the embodiment of the present invention, the transaction refers to operations such as "add, delete, change, check" and the like on the data initiated on the blockchain, and specifically in this step, refers to an operation of changing the amount to be paid.

As an alternative embodiment, as shown in fig. 5, initiating a transaction to transfer funds from a healthcare facility general account to the prepaid account in accordance with the balance includes:

step 601, initiating a payment request for transferring funds from the common account to the prepaid account to a banking institution according to the difference, and initiating a transaction for recording the payment request to a block chain; in some embodiments, the results are not returned in real time, as verification and confirmation of the internal system is required after the banking institution receives the request to transfer funds. In order to ensure the traceability and the reliability of the service data, the information when the request is initiated is recorded to initiate the transaction on the block chain.

Step 602, obtaining the payment result returned by the bank organization, and initiating a transaction for recording the payment result to the block chain. In some embodiments, after the banking institution checks the payment request, a result is returned to the payment request, and in this step, in order to ensure traceability and trustworthiness of the service data, the returned result is recorded by initiating a transaction to the blockchain.

As an alternative embodiment, initiating a transaction to transfer funds from the healthcare institution's general account to the prepaid account in accordance with the balance includes:

step 701, when the balance is larger than the balance of the common account, sending a prompt to a medical institution; in some embodiments, when the difference is greater than the normal account balance, indicating that the current normal account balance is insufficient to fill the prepaid account, a reminder should be sent to the medical institution in a timely manner.

Step 702, when the balance is not greater than the normal account balance, initiating a transaction to transfer funds from the medical institution normal account to the prepaid account. In some embodiments, when the difference is not greater than the normal account balance, indicating that the current normal account is sufficient to fill the prepaid account, the transfer of funds may be performed directly.

As an alternative embodiment, as shown in fig. 6, when the balance is greater than the normal account balance, sending a prompt to the medical institution includes:

step 801, paying all the common account balance to a prepaid account balance; in some embodiments, when the difference is larger than the balance of the general account, the balance of the general account is paid to the prepaid account, and the prepaid account can be paid to the maximum extent under the current balance.

Step 802, obtaining a difference between the target balance and the balance of the prepaid account; in some embodiments, the balance of the prepaid account is changed after the payment is completed in step 801, so that the difference is recalculated in this step to obtain the difference that still requires continued payment.

Step 803, a payment request is sent to the medical institution based on the balance. In some embodiments, the balance is the amount that the healthcare institution's ordinary account will need to continue to pay after no balance, so a payment request is sent to the healthcare institution in this step to facilitate the healthcare institution to continue to pay to fill the prepaid account.

As an alternative embodiment, the sending of the payment request to the medical institution in dependence of the balance comprises:

step 901, obtaining the response of the medical institution to the payment request, and paying to the prepaid account according to the response. In some embodiments, the response of the medical institution to the payment request may be immediate payment, deferred payment or payment refusal, and when immediate payment is made, a new account provided by the medical institution may be acquired and a payment request may be initiated to the bank based on the new account; when payment is postponed, the postponed time can be monitored and a payment request can be initiated to the bank according to a new account at a preset time; when the payment is refused, the common account of the medical institution can be monitored, and when the balance of the common account is changed, the common account is controlled to pay the prepaid account.

It will be understood by those skilled in the art that all or part of the processes of the embodiments of the methods described above may be implemented by a computer program, which may be stored in a computer-readable storage medium, and when executed, may include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.

The above description is only for the specific embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.