I. Analysis of hospital treatment process transformation plan
According to the Ministry of Health's “pay after treatmentâ€, various hospitals have carried out various forms of outpatient process renovation. There are mainly hospital recharge cards; hospital card signing; bank card signing three modes. Although these three modes optimize the outpatient process, they add procedures such as recharging, transfer and refund to the patient, and the bank card directly generates many new problems and use risks in the hospital outpatient process.
These three forms of outpatient process transformation also fail to achieve unique patient identity and uniform payment models among hospitals.
1. Recharge of the medical card: On the basis of issuing the medical card in the hospital, establish an internal personal account of the hospital based on the medical card. Before the patient visits, a certain amount of money must be credited to the medical card by cash or bank transfer. The amount of the account on the medical card is deducted when the fee is paid.
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Advantages: Easy to issue cards on site, no transaction costs.
Disadvantages:
(1) Since the funds on the visit card can only be circulated inside the hospital, most patients will take out the balance on the card after the visit. Because each time you check in, you don't know how much you need to spend, so it will cause multiple recharges. Because patients use cash to recharge multiple times, they are vulnerable to criminal theft.
(2) For the patient's return balance, loss reporting and password loss, replacement card, etc., the hospital must have a corresponding management method.
(3) The internal system of the hospital needs to establish a patient account for a long time, which poses a major challenge to the security and data maintenance of the internal information of the hospital.
2. Signing of the medical card (Silver Medical Joint Name Card): The bank and the hospital jointly issue the card, because the bank loads the bank account number on the medical card.
The patient chooses to sell the card on the hospital self-service device. The system prompts to swipe the ID card and set the transaction password. After the system obtains the identity number, the system prompts to invest 100-dollar bills, accesses the hospital account opening bank system, and writes the account opening record information (ID number). , name, gender, etc.), assign the bank medical card account number, and write the ID number, name, bank medical card number into the magnetic stripe, and deduct the card issuing cost from the bank medical card and issue it to the patient.
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Advantages: Reduce the management risk of opening a patient account in a hospital. Bank credit cards can be used to issue bank medical cards that are restricted to use within the hospital. Reduce payment risk based on a bank-based payment system.
Disadvantages:
(1) The patient needs to bring cash to the card to recharge or transfer before seeing the doctor.
(2) If the contract and transfer are not the same bank, the patient needs to pay an additional interbank transfer fee.
(3) Due to the scope of use restricting a certain hospital, resulting in fewer transactions or no transactions in such accounts, a large number of “sleep cards†appear, which puts pressure on bank management, and banks still charge management annual fees for such accounts.
(4) There are several bank accounts in each household, which is not conducive to family custody.
(5) If the patient's silver medical joint name card is lost, according to the bank's current financial card loss management method, it will cause great inconvenience to the patient. The funds on the card will be frozen for 7 days and cannot be used. The patient will be treated and recovered. have a huge impact.
3, bank card signing (301 mode): is to load the patient ID number on the bank card, instead of the card used in the hospital outpatient process.
The patient swipes the bank card on the hospital self-service device, enters the password, and the system accesses the banking system through the dedicated line. After the bank system confirms, it returns the cardholder related information (card number, name, gender, age, etc.), and the hospital system assigns the doctor ID number to the hospital database.
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Advantages: Use the original bank card payment function to reduce patient transfer or recharge.
Disadvantages:
(1) Patient ID number generation: Due to the leakage of personal information in the bank card, it is easy for criminals to copy the bank card, resulting in loss of cardholder funds. Therefore, banks generally do not provide cardholder ID numbers and other information. The contract can only be signed online with a bank through a dedicated line, which limits the choice of patients. If the hospital introduces multiple bank lines, the operating costs are increased.
(2) Multi-person card: Since the holder of the bank card is limited to certain people in the family, it is impossible for other family members to sign the contract, which results in the phenomenon that the bank card is signed for other personnel, resulting in patient visits. The information is not true.
It can be designed on the kiosk, and the signing of the ID card or the relevant information for the patient who is not the cardholder. However, if the information entered is incorrect, it will result in the patient's before and after medical consultation data cannot be shared.
(3) Credit card security: In order to realize the transaction of bank cards in all aspects of the hospital, it is necessary to present or swipe the bank card in all aspects of the outpatient clinic. Due to the complexity of the hospital staff, a large number of universal self-service payment devices were introduced in the hospital, which provided criminals with the opportunity to commit crimes on bank terminal equipment. After the patient sees the doctor, he holds various documents and attachments issued by the doctor and the doctor. Coupled with the receipts generated during the various steps, the patient has a large variety of documents and card certificates. Because all the links in the outpatient treatment process (registration, call number, visit, payment, queuing and taking medicine) need to directly swipe the bank card, the patients are sick and go to the hospital for medical treatment. The spirit is not good, it is easy to cause the bank card to be lost or Pirates. If the bank card is lost, the funds on the card will be frozen for 7 days and cannot be used.
(4) Data security: Since the cardholder information is stored in a hospital database other than the bank, if the information is leaked, it will directly cause the cardholder to lose money.
Second, the bank's deputy card business introduction
In order to meet the needs of customers for multi-card consumption, banks have introduced bank-attached card-based business based on the main card. The primary and secondary cards refer to multiple cards corresponding to one card at the same time. One of them is the primary card, which has full operational authority for the cardholder, and the remaining cards are secondary cards, which perform withdrawals and consumption within the authorized scope of the primary card.
1. One main card can apply for multiple sub-cards. 2. The main card holder can use the main card and valid ID card to modify the quota control mode and the periodic credit of the sub-card at any networking site. 3. The debit amount of the sub-card. Do not exceed the setting of the main card. 4. The main card and the sub-card storage (take) are increased (decrease) account balance. 5. The available credit of the sub-card is related to the setting of the main card. 6. The main card can be revoked. To cancel the main card 7, the main card clearing account must recover all the secondary cards, if the secondary card is lost, it should be reported.
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