WO 02/075627 What is claimed is: 1. A medical insurance electronic recording medium comprising a thin card-type information recording medium mounted with semiconductor memories where medical insurance-related information of medical insurance beneficiaries is so stored as to be read outside.
2. The medium as defined in claim 1, further comprising: information transmitting/receiving means for transmitting information stored and recorded in the semiconductor memory outside through data communication and receive related information transmitted from outside; input/output means for outputting medical insurance related information of the semiconductor memory to the information transmitting/receiving means and storing related information received from outside in the information transmitting/receiving means; and control processing means for controlling outside transmission of related information stored at the semiconductor memory and storage of the received information.
3. The medium as defined in claim 2 wherein the information storing zone of the semiconductor memory comprises: a medical insurance information storing zone where medical insurance related information allocated to medical insurance beneficiary subscribing medical insurance is stored; an individual information storing zone where individual information on medical insurance beneficiaries is stored; an access security information storing zone where access security information needed to make an access to outside for medical treatments resulting from medical insurance benefits is stored; and a medical record information storing zone where updated medical treatment records on the medical insurance beneficiary received from outside are stored.
4. The medium as defined in claim 2 wherein the information transmitting/receiving means comprises a contact type of a data WO 02/075627 transmitting/receiving terminal for transmission and reception of data while being in connection with an external apparatus.
5. The medium as defined in claim 2 wherein the information transmitting/receiving means comprises an antenna embedded in relevant electronic recording medium to wiretessty transmit and receive data.
6. The medium as defined in claim 1 wherein the information recording medium has a magnetic record tape where information on the on-line payment settlement means is recorded.
7. The medium as defined in claim 6 wherein the information recorded in the magnetic record tape is the information on a credit card.
8. The medium as defined in claim 2 wherein the semiconductor memory further comprises a zone where information on the on-line settlement means is stored, and the control means further performs a control operation to output the information on the on-line settlement means stored at the semiconductor memory through the input/output means to the information transmitting/receiving means.
9. A medical insurance management system, the system including : a medical insurance electronic recording medium card of a thin card-type electronic information recording medium mounted with semiconductor memories stored with medical insurance-related information, and issued to medical insurance beneficiary; card reading/writing means for reading information stored in the medical insurance electronic recording medium and for recording medical recording information of relevant medical insurance beneficiary on related medical insurance electronic recording medium; a medical institution regional terminal for being accessed on-line through information communication networks by medical insurance related information readable by card reading/writing means and for requesting on-line the medical insurance premium and medical fee (to be paid by patient) arranged as a result of treatment on relevant medical insurance beneficiary; medical insurance management means for allowing an on-line access to the medical institution regional terminal by the medical insurance related information of medical insurance electronic recording medium possessed by the medical insurance beneficiary and requesting payment approval relative to medical insurance premium and medical fee (to be paid by patient) requested as a result of treatment on medical insurance beneficiary from medical institution regional terminal ; an information database stored with medical insurance related information of medical insurance beneficiary issued by the medical insurance electronic recording medium; and a payment approval server for certifying the medical insurance fee and medical fee (to be paid by patient) to relevant medical institution according to payment approval request of medical fee relative to medical institution regional terminal from the medical insurance management means.
10. The system as defined in claim 9 further comprising a signature approval input unit for allowing the medical insurance beneficiary to certify medical treatment result details, wherein the medium ! insurance management means makes a request for payment approval on medical insurance premium and medical treatment fee (to be paid by patient) demanded by the medical institution regional terminal to the payment approval server when a signature approval of the medical insurance beneficiary input by the signature approval input unit is received.
11. The system as defined in claim 9 wherein the medical institution regional terminal and medical insurance management means further comprises a security encode and a compression processing unit having previously agreed encoding and compressing algorithms to encode and compress or to decode and decompress information respectively transmitted between the medical institution regional terminal and medical insurance management means.
12. The system, as defined in claim 9, wherein the medical institution regional terminal and medical insurance management means respectively further comprise a switching hub and a router.
13. The system as defined in claim 9 wherein the information database collectively stores and manages all the medical treatment records on medical insurance beneficiaries who have received the medical insurance electronic recording medium, and the medical insurance managing means extracts the medical treatment records of the relevant medical insurance beneficiary out of the information database to transmit same in a reference type of on-line data when an information inquiry is made by the medical institution regional terminal with the medical insurance electronic recording medium.
14. The system as defined in claim 9 wherein the medical insurance management means further comprises: an internet phone (Voice Over Internet Protocol) server for providing medical insurance and medical treatment record related information via voice communication.
15. The system as defined in claim 9 wherein the medical insurance management means further comprises an automatic response system server for providing in voice the medical insurance related information and other civil petition-related information by way of automatic voice response function.
16. The system as defined in claim 9 wherein the medical insurance electronic recording medium is stored with identification and approval information on on-line settlement means, the system further comprising: a value added network connected with the information communication network; and an on-line settlement server connected with the medical institution regional terminal via the value added network to approve the on-line settlement means included in the medical insurance electronic record medium by using approval and identification information on the on-line settlement means received from the medical institution regional terminal to approve the on-line settlement of medical fee (to be paid by patient).
17. A medical insurance management method using medical insurance electronic recording medium and communication networks, the method comprising the steps of: utilizing a medical insurance related information stored in a medical insurance electronic recording medium possessed by a medical insurance beneficiary to allow a medical institution regional terminal to be accessed to a medical insurance management system through the information communication networks; requesting medical insurance premium and medical fee (to be paid by patient) allocated as a result of treatment to the medical insurance management system while the medical institution regional terminal is in connection with the system; processing a payment approval of medical insurance premium and medical fee (to be paid by patient) requested from the medical insurance management system to the medical institution regional terminal ; paying the medical insurance premium approved in payment by medical management corporations at the payment approval process step at a prescribed date to a relevant medical institution and requesting the payment-certified medical fee (to be paid by patient) to medical insurance beneficiary to pay the received medical fee (to be paid by patient) to relevant medical institution.
18. The method as defined in claim 17 wherein the step of utilizing a medical insurance related information using the medical insurance electronic recording medium to allow a medical institution regional terminal to be accessed to a medical insurance management system further comprises the steps of: transmitting medical treatment history records on medical insurance beneficiaries from the medical insurance management system to the medical institution regional terminal through information communication network; and performing medical treatments in the medical institution regional -terminal with reference to medical treatment history records on the medical insurance beneficiaries transmitted by the medical insurance management system.
19. The method as defined in claim 17 wherein the step of processing a payment approval of medical insurance premium and medical fee (to be paid by patient) requested by the medical institution regional terminal is completed by the medical insurance management system that receives signature approval information on treatment details after the medical treatments have made to the medical insurance beneficiary and that allows a payment settlement for medical insurance premium and medical fee (to be paid by patient).
20. The method as defined in claim 17 further comprising a step of a medical insurance beneficiary selecting a payment settlement method prior to effecting the medical fee requesting step, wherein, if the medical insurance beneficiary selects the on-line settlement method to pay the medical fee (to be paid by patient), the system further comprises the steps of: the medical institution regional terminal getting connected with the on-line settlement server through value added network; the medical institution regional terminal reading the identification and approval information of the on-line settlement means from the medical insurance electronic record medium possessed by the medical insurance beneficiary to transmit same to the on-line settlement server via the value added network; the on-line settlement server approving the on-line settlement means by way of using the identification and approval information of the on-line settlement means transmitted from the medical institution regional terminal and transmitting the approval result and information on the on-line settlement limit of the on-line settlement means to the medical institution regional terminal via the value added network; the medical institution regional terminal transmitting the medical fee requesting details and settlement approval information of the medical insurance beneficiary to the on-line settlement server via the value added network according to the approval result and on-line settlement limit received from the on-line settlement server; and the on-line settlement server comparing the medical fees of requested treatment details transmitted by the medical institution regional terminal with the relevant approval result of the on-line settlement means and the on-line settlement limit to effect the settlement approval processing to transmit the settlement approval results to the on-line settlement server via the value added network, wherein the requesting and payment approval processing steps not carrying out requests of medical fee (to be paid by patient) and the payment approval process.
21. The method as defined in claim 20 wherein the on-line settlement server performs a settlement approval on the medical fee (to be paid by patient) only after the signature approval information on medical insurance beneficiary is received from the medical institution regional terminal.
22. A medical insurance management system for collectively storing and controlling medical record information in relation to treatment results of various medical insurance beneficiaries, the system comprising: a plurality of server means, each mounted at various fields of medical related special institutions and business, for on-line requesting statistical and analytical data made on medical insurance beneficiaries and receiving on-line the statistical and analytical data via information communication network for storage thereof; medical insurance managing means for making various fields of statistical and analytical data on the basis of the medical treatment records resulted from the medical treatment practices on the plurality of medical insurance beneficiaries and transmitting on-line the statistical and analytical data via the information communication network according to the information requests from the plurality of server means; computer terminal for making various fields of statistical and analytical data on the basis of the medical treatment records resulted from medical treatments on a plurality of medical insurance beneficiaries under the management of medical insurance managing means; and information databases for storing and managing the various fields of statistical and analytical data made by the computer terminal.
23. The system as defined in claim 22 wherein the plurality of server means transmit specific characteristic information on various fields of medical related special institutions and business to the medical insurance managing means to request provision of statistical and analytical data relating to the characteristic information thereof.
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