Collaborative payment system and account binding device that support different types of accounts

Abstract

The invention relates to a collaborative payment system that supports different types of accounts. The system comprises an online authorization module coupled with a first information management system. The online authorization module comprises an identity authentication unit for associating the user identity with the account information of different types of accounts, an account managing unit for managing the different types of accounts of a plurality of users, a sub-account calculating unit for calculating the sub-account information and a settlement reconciliation module coupled with a plurality of external account managing systems independent from the collaborative payment system and independent from each other. The settlement reconciliation module comprises a capital settlement unit for performing a corresponding transfer of capital from a plurality of external account managing systems based on the reconciliation information and a reconciliation report unit for aggregating the accounting information to form the reconciliation information. According to the invention, a user is capable of paying various medical expenses with only one card on hand, thus greatly facilitating his or her visits to doctors.

Description

technical field [0001] The invention relates to a cooperative payment system and an account binding device supporting different types of accounts. Background technique [0002] Nowadays, when users go to the hospital to see a doctor, they usually need to carry multiple cards, such as: ID card, medical insurance card, bank card, new rural cooperative medical card, etc. When paying medical expenses (registration fee, drug fee, inspection fee, laboratory fee, etc.), it may be necessary to use various cards or cash other than ID cards to pay, and confusion between different cards is easy to occur; and if you forget With a medical insurance card, you can only pay at your own expense, and cannot effectively use the existing funds in the user's medical insurance account, which brings inconvenience to the user. [0003] It is what many users expect to be able to pay various medical expenses with only one card, and to use medical insurance funds as much as possible, as well as state...

AI Technical Summary

Problems solved by technology

When paying medical expenses (registration fee, drug fee, inspection fee, laboratory fee, etc.), it may be necessary to use various cards or cash other than ID cards to pay, and confusion between different cards is easy to occur; and if you forget With a medical insurance card, you can only pay at your own expense, and cannot effectively use the existing funds in the user's medical insurance account, which brings inconvenience to the user

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