阅读说明：本技术 基于5g消息的医疗退费方法、装置及系统 (Medical fee refunding method, device and system based on 5G message ) 是由 滕建德 王增峰 景东亚 于 2021-09-27 设计创作，主要内容包括：本发明公开了一种基于5G消息的医疗退费方法、装置及系统,涉及移动互联技术领域,该方法包括：接收用户通过5G消息发送的退费申请；基于退费申请完成与医院端的互信；互信后,根据退费申请从医院端获取用户的就诊卡信息；确定用户名下的所有银行卡信息并通过5G消息返回至用户,在接收到用户基于所述所有银行卡信息选择的退费银行卡后,将退费信息通过5G消息返回至用户进行确认；在接收用户对退费信息确认后,调取医院端的退费交易接口,将退费信息发送至医院端,接收医院端基于退费信息完成退费返回的退款结果,将所述退款结果通过5G消息返回至用户。本发明可以高效快捷的通过5G消息完成退费过程,无需到医院现场排队退费。(The invention discloses a medical refund method, a medical refund device and a medical refund system based on 5G messages, which relate to the technical field of mobile interconnection, and the method comprises the following steps: receiving a fee refunding application sent by a user through a 5G message; mutual trust with a hospital side is completed based on the fee refunding application; after mutual trust, acquiring the information of the visiting card of the user from the hospital end according to the refund application; determining all bank card information under a user name and returning the bank card information to the user through 5G information, and after receiving a refund bank card selected by the user based on all bank card information, returning the refund information to the user through the 5G information for confirmation; after the receiving user confirms the refund information, a refund transaction interface of the hospital end is called, the refund information is sent to the hospital end, a refund result returned by the hospital end based on the refund information is received, and the refund result is returned to the user through a 5G message. The invention can efficiently and quickly complete the fee refunding process through the 5G message without queuing to the hospital site for fee refunding.)

1. A medical fee refunding method based on 5G messages is characterized by comprising the following steps:

receiving a fee refunding application sent by a user through a 5G message;

completing mutual trust with a hospital side based on the fee refunding application;

after mutual trust is completed, acquiring the information of the visiting card of the user from the hospital end according to the refund application;

determining all bank card information under a user name based on the visiting card information or the refund application, returning all the bank card information to the user through 5G information, and after receiving a refund bank card selected by the user based on all the bank card information, returning the refund information to the user through 5G information for confirmation;

after the receiving user confirms the refund information, a refund transaction interface of the hospital end is called, the refund information is sent to the hospital end, a refund result returned by the hospital end based on the refund information is received, and the refund result is returned to the user through a 5G message.

2. The medical refund method based on 5G message as claimed in claim 1, further comprising:

and performing real-name authentication on the user according to the refund application.

3. The medical refund method based on 5G message according to claim 2, characterized in that the real-name authentication of the user according to the refund application comprises:

and judging whether the user is bound with the bank card according to the user identity in the refund application, if so, determining the user to be a real-name authentication user, and if so, binding the bank card to realize the real-name authentication of the user.

4. The medical refund method based on 5G message as claimed in claim 1, wherein the mutual trust with the hospital side is completed based on the refund application, comprising:

according to the hospital end identification in the fee refunding application, sending a unique character string CODE and a user ID to a hospital end;

receiving an inquiry request of a hospital end, wherein the inquiry request is generated by the hospital end according to the unique character string CODE and the user ID;

inquiring four user elements according to the inquiry request and sending the four user elements to a hospital end, wherein the four user elements comprise names, certificate types, certificate numbers and mobile phone numbers;

receiving a token returned by a hospital end to complete mutual trust; the token is generated by the hospital side after the four user elements are successfully checked with the user information stored by the hospital side.

5. A medical fee refunding method based on 5G messages is characterized by comprising the following steps:

receiving a mutual trust application sent by a bank end, and finishing mutual trust with the bank end based on the mutual trust application; the mutual trust application is generated by the bank end according to a fee refunding application sent by a user through a 5G message;

receiving an inquiry request sent by a bank end, acquiring the information of a visiting card of a user based on the inquiry request, and returning the information to the bank end, wherein the inquiry request is generated by the bank end according to a fee refunding application;

receiving refund information sent by a bank terminal, finishing refund based on the refund information, generating a refund result, returning the refund result to the bank terminal, and returning the refund result to a user through 5G information by the bank terminal.

6. The medical refund method based on 5G message as claimed in claim 5, wherein the mutual trust with the bank terminal is completed based on the mutual trust application, comprising:

receiving a unique character string CODE and a user ID sent by a bank end;

inquiring a user four-element from a bank end according to the unique character string CODE and the user ID, wherein the user four-element comprises a name, a certificate type, a certificate number and a mobile phone number;

and checking the four user elements with user information stored at the hospital end, generating a token after the checking is successful, and returning the token to the bank end to finish mutual trust.

7. The medical refund method based on 5G message as claimed in claim 5, further comprising:

and checking the refund information, and if the checking is successful, finishing refund based on the refund information.

8. A medical fee refunding method based on 5G messages is characterized by comprising the following steps:

the bank end receives a fee refunding application sent by a user through a 5G message;

the bank end completes mutual trust with the hospital end based on the fee refunding application;

after mutual trust is completed, the bank end acquires the information of the visiting card of the user from the hospital end according to the refund application;

the bank side determines all bank card information under the user name based on the visiting card information or the refund application, returns all the bank card information to the user through 5G information, and returns the refund information to the user for confirmation through 5G information after receiving the refund bank card selected by the user based on all the bank card information;

after receiving the confirmation of the user to the fee refunding information, the bank terminal calls a fee refunding transaction interface of the hospital terminal and sends the fee refunding information to the hospital terminal;

the hospital end finishes the refund based on the refund information and returns the refund result to the bank end;

and the bank end receives and returns the refund result to the user through a 5G message.

9. The medical refund method based on 5G message as claimed in claim 8, further comprising:

and the bank terminal performs real-name authentication on the user according to the refund application.

10. The medical refund method based on 5G message as claimed in claim 9, wherein the bank side performs real name authentication to the user according to the refund application, comprising:

and judging whether the user is bound with the bank card according to the user identity in the refund application, if so, determining the user to be a real-name authentication user, and if so, binding the bank card to realize the real-name authentication of the user.

11. The medical refund method based on 5G message as claimed in claim 8, wherein the bank end completes mutual trust with the hospital end based on the refund application, comprising:

the bank side sends the unique character string CODE and the user ID to the hospital side according to the hospital side identification in the fee refunding application;

the hospital side generates a query request according to the unique character string CODE and the user ID, and returns the query request to the bank side;

the bank side inquires four user elements according to the inquiry request and sends the four user elements to the hospital side, wherein the four user elements comprise names, certificate types, certificate numbers and mobile phone numbers;

the hospital end receives the four user elements, checks the four user elements with user information stored in the hospital end, generates a token after the check is successful, and returns the token to the bank end;

and the bank end receives the token to complete mutual trust.

12. A banking terminal, comprising:

the receiving user application module is used for receiving a fee refunding application sent by a user through a 5G message;

the bank and hospital mutual trust module is used for finishing mutual trust with a hospital end based on the refund application;

the system comprises a consultation card information inquiry module for inquiring the information of the user, and a consultation card information acquisition module for acquiring the information of the user from a hospital end according to a refund application after mutual information is completed;

the system comprises a selection refund bank card module, a selection refund bank card module and a payment processing module, wherein the selection refund bank card module is used for determining all bank card information under a user name based on the information of a visiting card or a refund application, returning all the bank card information to a user through 5G information, and after receiving the refund bank card selected by the user based on all the bank card information, returning the refund information to the user through 5G information for confirmation;

and the refund result receiving and sending module is used for calling a refund transaction interface of the hospital end after the receiving user confirms the refund information, sending the refund information to the hospital end, receiving a refund result which is returned by the hospital end based on the refund information, and returning the refund result to the user through a 5G message.

13. The banking terminal as recited in claim 12, further comprising:

and the real-name authentication checking module is used for performing real-name authentication on the user according to the refund application.

14. The banking end according to claim 13, wherein the real-name authentication checking module is specifically configured to:

and judging whether the user is bound with the bank card according to the user identity in the refund application, if so, determining the user to be a real-name authentication user, and if so, binding the bank card to realize the real-name authentication of the user.

15. The banking end of claim 12, wherein the bank and hospital mutual trust module is specifically configured to:

according to the hospital end identification in the fee refunding application, sending a unique character string CODE and a user ID to a hospital end;

receiving an inquiry request of a hospital end, wherein the inquiry request is generated by the hospital end according to the unique character string CODE and the user ID;

inquiring four user elements according to the inquiry request and sending the four user elements to a hospital end, wherein the four user elements comprise names, certificate types, certificate numbers and mobile phone numbers;

receiving a token returned by a hospital end to complete mutual trust; the token is generated by the hospital side after the four user elements are successfully checked with the user information stored by the hospital side.

16. A hospital end, comprising:

the hospital and bank mutual trust module is used for receiving a mutual trust application sent by a bank end and finishing mutual trust with the bank end based on the mutual trust application; the mutual trust application is generated by the bank end according to a fee refunding application sent by a user through a 5G message;

the system comprises a user diagnosis card information query module, a bank terminal and a payment processing module, wherein the user diagnosis card information query module is used for receiving a query request sent by the bank terminal, acquiring the diagnosis card information of a user based on the query request and returning the diagnosis card information to the bank terminal, and the query request is generated by the bank terminal according to a fee refunding application;

and the fee refunding module is used for receiving the fee refunding information sent by the bank terminal, completing fee refunding based on the fee refunding information, generating a fee refunding result, returning the fee refunding result to the bank terminal, and returning the fee refunding result to the user through a 5G message by the bank terminal.

17. The hospital end of claim 16, wherein the hospital and bank mutually-trusted module is specifically configured to:

receiving a unique character string CODE and a user ID sent by a bank end;

inquiring a user four-element from a bank end according to the unique character string CODE and the user ID, wherein the user four-element comprises a name, a certificate type, a certificate number and a mobile phone number;

and checking the four user elements with user information stored at the hospital end, generating a token after the checking is successful, and returning the token to the bank end to finish mutual trust.

18. The hospital end of claim 16 wherein the chargeback module is further configured to:

and checking the refund information, and if the checking is successful, finishing refund based on the refund information.

19. A medical refund system based on 5G messages, comprising: the banking terminal according to any one of claims 12 to 15 and the hospital terminal according to any one of claims 16 to 18.

20. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the 5G message based medical refund method of any of claims 1 to 11 when executing the computer program.

21. A computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, is adapted to carry out the steps of the 5G message-based medical refund method according to any one of claims 1 to 11.

Technical Field

The invention relates to the technical field of mobile interconnection, in particular to a medical fee refunding method, a medical fee refunding device and a medical fee refunding system based on 5G messages.

Background

This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.

At present, if a doctor card in a hospital is to be removed, the patient must go to the hospital to queue for refund, and if the doctor card is lost, the patient must be refunded only by providing certificate information. If some people are short of time and need to visit the card for money urgently, the user experience is influenced and the efficiency is very low because the user cannot conveniently and rapidly refund the money in other modes.

Disclosure of Invention

The embodiment of the invention provides a medical refund method based on 5G information, which is used for solving the technical problems that the on-site queuing refund of a hospital is inconvenient and quick, the customer experience is influenced, and the efficiency is very low, and comprises the following steps:

receiving a fee refunding application sent by a user through a 5G message;

completing mutual trust with a hospital side based on the fee refunding application;

after mutual trust is completed, acquiring the information of the visiting card of the user from the hospital end according to the refund application;

determining all bank card information under a user name based on the visiting card information or the refund application, returning all the bank card information to the user through 5G information, and after receiving a refund bank card selected by the user based on all the bank card information, returning the refund information to the user through 5G information for confirmation;

after the receiving user confirms the refund information, a refund transaction interface of the hospital end is called, the refund information is sent to the hospital end, a refund result returned by the hospital end based on the refund information is received, and the refund result is returned to the user through a 5G message.

The embodiment of the invention provides a medical refund method based on 5G information, which is used for solving the technical problems that the on-site queuing refund of a hospital is inconvenient and quick, the customer experience is influenced, and the efficiency is very low, and comprises the following steps:

receiving a mutual trust application sent by a bank end, and finishing mutual trust with the bank end based on the mutual trust application; the mutual trust application is generated by the bank end according to a fee refunding application sent by a user through a 5G message;

receiving an inquiry request sent by a bank end, acquiring the information of a visiting card of a user based on the inquiry request, and returning the information to the bank end, wherein the inquiry request is generated by the bank end according to a fee refunding application;

receiving refund information sent by a bank terminal, finishing refund based on the refund information, generating a refund result, returning the refund result to the bank terminal, and returning the refund result to a user through 5G information by the bank terminal.

The embodiment of the invention provides a medical refund method based on 5G information, which is used for solving the technical problems that the on-site queuing refund of a hospital is inconvenient and quick, the customer experience is influenced, and the efficiency is very low, and comprises the following steps:

the bank end receives a fee refunding application sent by a user through a 5G message;

the bank end completes mutual trust with the hospital end based on the fee refunding application;

after mutual trust is completed, the bank end acquires the information of the visiting card of the user from the hospital end according to the refund application;

the bank side determines all bank card information under the user name based on the visiting card information or the refund application, returns all the bank card information to the user through 5G information, and returns the refund information to the user for confirmation through 5G information after receiving the refund bank card selected by the user based on all the bank card information;

after receiving the confirmation of the user to the fee refunding information, the bank terminal calls a fee refunding transaction interface of the hospital terminal and sends the fee refunding information to the hospital terminal;

the hospital end finishes the refund based on the refund information and returns the refund result to the bank end;

and the bank end receives and returns the refund result to the user through a 5G message.

The embodiment of the invention also provides a bank end, which is used for solving the technical problems that the queuing and refunding in the hospital field are inconvenient and quick, the customer experience is influenced, and the efficiency is not high, and the bank end comprises:

the receiving user application module is used for receiving a fee refunding application sent by a user through a 5G message;

the bank and hospital mutual trust module is used for finishing mutual trust with a hospital end based on the refund application;

the system comprises a consultation card information inquiry module for inquiring the information of the user, and a consultation card information acquisition module for acquiring the information of the user from a hospital end according to a refund application after mutual information is completed;

the system comprises a selection refund bank card module, a selection refund bank card module and a payment processing module, wherein the selection refund bank card module is used for determining all bank card information under a user name based on the information of a visiting card or a refund application, returning all the bank card information to a user through 5G information, and after receiving the refund bank card selected by the user based on all the bank card information, returning the refund information to the user through 5G information for confirmation;

and the refund result receiving and sending module is used for calling a refund transaction interface of the hospital end after the receiving user confirms the refund information, sending the refund information to the hospital end, receiving a refund result which is returned by the hospital end based on the refund information, and returning the refund result to the user through a 5G message.

The embodiment of the invention also provides a hospital end, which is used for solving the technical problems that the queuing and refunding in the hospital field are inconvenient and quick, the customer experience is influenced, and the efficiency is not high, and the hospital end comprises:

the hospital and bank mutual trust module is used for receiving a mutual trust application sent by a bank end and finishing mutual trust with the bank end based on the mutual trust application; the mutual trust application is generated by the bank end according to a fee refunding application sent by a user through a 5G message;

the system comprises a user diagnosis card information query module, a bank terminal and a payment processing module, wherein the user diagnosis card information query module is used for receiving a query request sent by the bank terminal, acquiring the diagnosis card information of a user based on the query request and returning the diagnosis card information to the bank terminal, and the query request is generated by the bank terminal according to a fee refunding application;

and the fee refunding module is used for receiving the fee refunding information sent by the bank terminal, completing fee refunding based on the fee refunding information, generating a fee refunding result, returning the fee refunding result to the bank terminal, and returning the fee refunding result to the user through a 5G message by the bank terminal.

The embodiment of the invention also provides a medical refund system based on 5G information, which is used for solving the technical problems that the queuing refund in the hospital field is inconvenient and quick, the customer experience is influenced, and the efficiency is not high, and the system comprises: bank end and hospital end.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the medical fee refunding method based on the 5G message.

An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the medical fee refunding method based on 5G message.

In the embodiment of the invention, compared with the technical scheme that the hospital needs to go to the hospital to queue for refund if the hospital visit card is to be refunded in the prior art, the refund application sent by the user through the 5G message is received; completing mutual trust with a hospital side based on the fee refunding application; after mutual trust is completed, acquiring the information of the visiting card of the user from the hospital end according to the refund application; determining all bank card information under a user name based on the visiting card information or the refund application, returning all the bank card information to the user through 5G information, and after receiving a refund bank card selected by the user based on all the bank card information, returning the refund information to the user through 5G information for confirmation; after the receiving user confirms the refund information, a refund transaction interface of the hospital end is called, the refund information is sent to the hospital end, the refund result returned by the hospital end based on the refund information is received, the refund result is returned to the user through the 5G message, the refund process can be efficiently and quickly completed through the 5G message, and the user does not need to queue to refund at the hospital site.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

fig. 1 is a first flowchart (bank end) of a medical fee refunding method based on 5G message in the embodiment of the present invention;

fig. 2 is a flow chart of a medical fee refunding method based on 5G message in the embodiment of the present invention (bank end);

fig. 3 is a flow chart of a medical refund method based on 5G message in the embodiment of the present invention (bank end);

fig. 4 is a flowchart of a medical fee refunding method based on 5G message in the embodiment of the present invention, which is four (bank end);

FIG. 5 is a first flowchart (hospital side) of a medical fee refunding method based on 5G message according to an embodiment of the present invention;

FIG. 6 is a flow chart of a medical fee refunding method based on 5G message in the embodiment of the present invention (hospital side);

FIG. 7 is a third flowchart (hospital side) of a medical fee refunding method based on 5G messages according to an embodiment of the present invention;

FIG. 8 is a flowchart of a medical fee refunding method based on 5G message in the embodiment of the present invention (interaction between bank end and hospital end);

FIG. 9 is a flowchart of a medical fee refunding method based on 5G message in the embodiment of the present invention, which is two (the bank end and the hospital end interact with each other);

fig. 10 is a flow chart of a medical refund method based on 5G message in the embodiment of the present invention (interaction between the bank end and the hospital end);

FIG. 11 is a flowchart of a medical fee refunding method based on 5G message in the embodiment of the present invention (interaction between the bank end and the hospital end);

FIG. 12 is a block diagram of a first bank end architecture in an embodiment of the present invention;

FIG. 13 is a block diagram of a second bank end architecture in an embodiment of the present invention;

FIG. 14 is a block diagram of a hospital side architecture in accordance with 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 more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

Interpretation of terms:

token: the server generates a string of character strings to serve as a Token requested by the client, after the server logs in for the first time, the server generates a Token to return the Token to the client, and the client only needs to bring the Token to request data before the client later.

Fig. 1 is a flow chart of a medical fee refunding method based on a 5G message (bank end) in an embodiment of the present invention, as shown in fig. 1, the method includes:

step 101: receiving a fee refunding application sent by a user through a 5G message;

step 102: completing mutual trust with a hospital side based on the fee refunding application;

step 103: after mutual trust is completed, acquiring the information of the visiting card of the user from the hospital end according to the refund application;

step 104: determining all bank card information under a user name based on the visiting card information or the refund application, returning all the bank card information to the user through 5G information, and after receiving a refund bank card selected by the user based on all the bank card information, returning the refund information to the user through 5G information for confirmation;

step 105: after the receiving user confirms the refund information, a refund transaction interface of the hospital end is called, the refund information is sent to the hospital end, a refund result returned by the hospital end based on the refund information is received, and the refund result is returned to the user through a 5G message.

In the embodiment of the present invention, a 5G message center (which may exist at a bank end or forward a 5G message to a bank end through the 5G message center) is designed in step 101 to receive an application for a user to initiate a refund, and when the user needs to apply for the refund to a certain hospital, the application information is sent to the 5G message center, where the application information mainly includes: name, mobile phone number, identification card number, hospital code.

In the embodiment of the present invention, as shown in fig. 2, step 102 specifically includes:

step 201: according to the hospital end identification in the fee refunding application, sending a unique character string CODE and a user ID to a hospital end;

step 202: receiving an inquiry request of a hospital end, wherein the inquiry request is generated by the hospital end according to the unique character string CODE and the user ID;

step 203: inquiring four user elements according to the inquiry request and sending the four user elements to a hospital end, wherein the four user elements comprise names, certificate types, certificate numbers and mobile phone numbers;

step 204: receiving a token returned by a hospital end to complete mutual trust; the token is generated by the hospital side after the four user elements are successfully checked with the user information stored by the hospital side.

Specifically, the hospital end identifier may be a hospital CODE, then a unique string CODE is randomly generated, and the unique string CODE and the user ID are sent to the corresponding hospital end based on the hospital CODE. After receiving the CODE and the user ID, the hospital queries the four elements of the user at the bank end through the CODE and the user ID, and the four elements comprise: name, certificate type, certificate number, mobile phone number. After the hospital takes the four elements of the user, the check of the user information stored in the hospital is completed, and if the check is successful, the token is returned to the bank end, so that the mutual trust process is completed. Task requests initiated by subsequent bank terminals are all required to be uploaded to the token.

In the embodiment of the present invention, as shown in fig. 3, the method further includes:

step 301: and performing real-name authentication on the user according to the refund application.

Specifically, as shown in fig. 4, the step 301 of performing real-name authentication on the user according to the chargeback application includes:

and judging whether the user is bound with the bank card according to the user identity in the refund application, if so, determining the user to be a real-name authentication user, and if so, binding the bank card to realize the real-name authentication of the user.

Specifically, the bank end judges whether the user authenticates the user by the real name or not according to the user identity (namely the name, the mobile phone number and the identification number), namely whether the card is bound or not, and if the user authenticates the user by the real name, the subsequent refund operation is allowed; and if the user is a non-real-name authentication user, guiding the user to perform real-name authentication, namely, using the existing bank card binding function to realize the real-name authentication of the user, and performing the fee refunding operation after the authentication.

In the embodiment of the present invention, after the bank and the hospital mutually communicate in step 103, the bank end queries the information of the visiting card of the user from the hospital end according to the unique identifier of the user, and the information of the visiting card includes: name, identification card number, mobile phone number, balance in the visit card, hospital name, latest recharging date and latest recharging amount.

In the embodiment of the present invention, after the visit card required to be refunded is queried in step 104, the bank card to be refunded needs to be selected, i.e. the bank card to which the money in the visit card is refunded. And inquiring all bank cards under the name of the user, returning the bank cards to the user through 5G information for the user to select, and confirming fee returning information, wherein the fee returning information comprises fee returning amount, hospital name, fee returning bank cards and the like.

In the embodiment of the invention, after the user selects and confirms the refund bank card in step 105, the bank end sends information such as name, identity card number, mobile phone number, refund amount, refund bank card and the like to the hospital by calling the interface of the hospital refund transaction, the hospital checks the information by the unique identification of the user after receiving the refund information, if the check is successful, the refund is agreed, and the refund result is returned to the user by 5G information.

The embodiment of the invention also provides a medical refund method based on the 5G message, which is described in the following embodiment.

Fig. 5 is a first flowchart (hospital side) of a medical fee refunding method based on 5G message in the embodiment of the present invention, and as shown in fig. 5, the method includes:

step 501: receiving a mutual trust application sent by a bank end, and finishing mutual trust with the bank end based on the mutual trust application; the mutual trust application is generated by the bank end according to a fee refunding application sent by a user through a 5G message;

step 502: receiving an inquiry request sent by a bank end, acquiring the information of a visiting card of a user based on the inquiry request, and returning the information to the bank end, wherein the inquiry request is generated by the bank end according to a fee refunding application;

step 503: receiving refund information sent by a bank terminal, finishing refund based on the refund information, generating a refund result, returning the refund result to the bank terminal, and returning the refund result to a user through 5G information by the bank terminal.

In the embodiment of the present invention, as shown in fig. 6, the completing mutual trust with the bank terminal based on the mutual trust application includes:

step 601: receiving a unique character string CODE and a user ID sent by a bank end;

step 602: inquiring a user four-element from a bank end according to the unique character string CODE and the user ID, wherein the user four-element comprises a name, a certificate type, a certificate number and a mobile phone number;

step 603: and checking the four user elements with user information stored at the hospital end, generating a token after the checking is successful, and returning the token to the bank end to finish mutual trust.

In the embodiment of the present invention, as shown in fig. 7, the method further includes:

step 701: and checking the refund information, and if the checking is successful, finishing refund based on the refund information.

The embodiment of the invention also provides a medical treatment fee refunding method and system based on the 5G message, and the method and the system are described in the following embodiments.

Fig. 8 is a flowchart (i.e., a system interaction diagram) of a medical refund method based on 5G messages in an embodiment of the present invention, i.e., a bank end and a hospital end interact, as shown in fig. 8, the method includes:

step S1: the bank end receives a fee refunding application sent by a user through a 5G message;

step S2: the bank end completes mutual trust with the hospital end based on the fee refunding application;

step S3: after mutual trust is completed, the bank end acquires the information of the visiting card of the user from the hospital end according to the refund application;

step S4: the bank side determines all bank card information under the user name based on the visiting card information or the refund application, returns all the bank card information to the user through 5G information, and returns the refund information to the user for confirmation through 5G information after receiving the refund bank card selected by the user based on all the bank card information;

step S5: after receiving the confirmation of the user to the fee refunding information, the bank terminal calls a fee refunding transaction interface of the hospital terminal and sends the fee refunding information to the hospital terminal;

step S6: the hospital end finishes the refund based on the refund information and returns the refund result to the bank end;

step S7: and the bank end receives and returns the refund result to the user through a 5G message.

In the embodiment of the present invention, as shown in fig. 9, the method further includes:

step S8: and the bank terminal performs real-name authentication on the user according to the refund application.

In the embodiment of the present invention, as shown in fig. 10, the step S8 of performing real-name authentication on the user by the bank according to the chargeback application includes:

and judging whether the user is bound with the bank card according to the user identity in the refund application, if so, determining the user to be a real-name authentication user, and if so, binding the bank card to realize the real-name authentication of the user.

In the embodiment of the present invention, as shown in fig. 11, the bank end completes mutual trust with the hospital end based on the fee refunding application, including:

step S21: the bank side sends the unique character string CODE and the user ID to the hospital side according to the hospital side identification in the fee refunding application;

step S22: the hospital side generates a query request according to the unique character string CODE and the user ID, and returns the query request to the bank side;

step S23: the bank side inquires four user elements according to the inquiry request and sends the four user elements to the hospital side, wherein the four user elements comprise names, certificate types, certificate numbers and mobile phone numbers;

step S24: the hospital end receives the four user elements, checks the four user elements with user information stored in the hospital end, generates a token after the check is successful, and returns the token to the bank end;

step S25: and the bank end receives the token to complete mutual trust.

The embodiment of the invention also provides a bank terminal, and the bank terminal is described in the following embodiment. Because the principle of solving the problems at the bank end is similar to that of the medical fee refunding method (bank end) based on the 5G message, the implementation of the bank end can refer to the implementation of the medical fee refunding method (bank end) based on the 5G message, and repeated parts are not described again.

Fig. 12 is a first structural block diagram of a bank end in the embodiment of the present invention, and as shown in fig. 12, the bank end includes:

a receiving user application module 1202, configured to receive a fee refunding application sent by a user through a 5G message;

a bank and hospital mutual trust module 1204, configured to complete mutual trust with a hospital end based on the refund application;

a visit card information inquiry module 1206 for acquiring the visit card information of the user from the hospital end according to the refund application after the mutual trust is completed;

the selected chargeback bank card module 1208 is used for determining all bank card information under a user name based on the visiting card information or the chargeback application, returning all the bank card information to the user through 5G information, and after receiving the chargeback bank card selected by the user based on all the bank card information, returning the chargeback information to the user through 5G information for confirmation;

the refund result receiving and sending module 1210 is configured to invoke a refund transaction interface of the hospital end after the receiving user confirms the refund information, send the refund information to the hospital end, receive a refund result that the hospital end completes refund return based on the refund information, and return the refund result to the user through a 5G message.

In the embodiment of the present invention, as shown in fig. 13, the method further includes:

and the real-name authentication checking module 1212 is configured to perform real-name authentication on the user according to the refund application.

Specifically, the real-name authentication checking module 1212 is specifically configured to:

and judging whether the user is bound with the bank card according to the user identity in the refund application, if so, determining the user to be a real-name authentication user, and if so, binding the bank card to realize the real-name authentication of the user.

In the embodiment of the present invention, the bank and hospital mutual trust module 1204 is specifically configured to:

according to the hospital end identification in the fee refunding application, sending a unique character string CODE and a user ID to a hospital end;

receiving an inquiry request of a hospital end, wherein the inquiry request is generated by the hospital end according to the unique character string CODE and the user ID;

inquiring four user elements according to the inquiry request and sending the four user elements to a hospital end, wherein the four user elements comprise names, certificate types, certificate numbers and mobile phone numbers;

receiving a token returned by a hospital end to complete mutual trust; the token is generated by the hospital side after the four user elements are successfully checked with the user information stored by the hospital side.

Embodiments of the present invention also provide a hospital end, as described in the following embodiments. Because the principle of solving the problem at the hospital end is similar to the medical fee-returning method (hospital end) based on the 5G message, the implementation of the hospital end can refer to the implementation of the medical fee-returning method (hospital end) based on the 5G message, and repeated details are not repeated.

Fig. 14 is a block diagram of a hospital end structure in an embodiment of the present invention, and as shown in fig. 14, the hospital end includes:

the hospital and bank mutual trust module 1402 is used for receiving a mutual trust application sent by a bank end and completing mutual trust with the bank end based on the mutual trust application; the mutual trust application is generated by the bank end according to a fee refunding application sent by a user through a 5G message;

the system comprises a user visiting card information query module 1404, a bank end and a payment card information processing module, wherein the user visiting card information query module 1404 is used for receiving a query request sent by the bank end, acquiring visiting card information of a user based on the query request and returning the visiting card information to the bank end, and the query request is generated by the bank end according to a fee refunding application;

the fee refunding module 1406 is used for receiving the fee refunding information sent by the bank terminal, completing fee refunding based on the fee refunding information, generating a fee refunding result, returning the fee refunding result to the bank terminal, and returning the fee refunding result to the user through a 5G message by the bank terminal.

In the embodiment of the invention, the mutual trust module between the hospital and the bank is specifically used for:

receiving a unique character string CODE and a user ID sent by a bank end;

inquiring a user four-element from a bank end according to the unique character string CODE and the user ID, wherein the user four-element comprises a name, a certificate type, a certificate number and a mobile phone number;

and checking the four user elements with user information stored at the hospital end, generating a token after the checking is successful, and returning the token to the bank end to finish mutual trust.

In an embodiment of the present invention, the refund module is further configured to:

and checking the refund information, and if the checking is successful, finishing refund based on the refund information.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the medical fee refunding method based on the 5G message.

An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the medical fee refunding method based on 5G message.

In the embodiment of the invention, compared with the technical scheme that the hospital needs to go to the hospital to queue for refund if the hospital visit card is to be refunded in the prior art, the refund application sent by the user through the 5G message is received; completing mutual trust with a hospital side based on the fee refunding application; after mutual trust is completed, acquiring the information of the visiting card of the user from the hospital end according to the refund application; determining all bank card information under a user name based on the visiting card information or the refund application, returning all the bank card information to the user through 5G information, and after receiving a refund bank card selected by the user based on all the bank card information, returning the refund information to the user through 5G information for confirmation; after the receiving user confirms the refund information, a refund transaction interface of the hospital end is called, the refund information is sent to the hospital end, the refund result returned by the hospital end based on the refund information is received, the refund result is returned to the user through the 5G message, the refund process can be efficiently and quickly completed through the 5G message, and the user does not need to queue to refund at the hospital site.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.