基于支付宝实名认证体系的电子社保卡支付
孙森'车玲2左秀然'上医保缴费怎么交
摘要近年来，基于支付宝和的移动医疗支付应用已经普及，但部分地区受制于医保政策的限制仍然只能进行自费支付，导致很大一部分医保患者无法亨受手机支付带来的便利；基F此问题，提出了基于和支付宝生活号绑定电/社保代进行自费和医保联合支付的模式，通过阐述应用实践中的实现方式和技术原理，分析这种模式在身份确认及保障医保账户安全方面的优势、应用流程，最后阐述具用于电子社保卡的使用场景优势、实际应用效果以及卜•-步展望。
关键词实名认证电子社保卡医保在线支付移动互联网
Doi:10.3969/j.issn.1673-7571.2019.04.008
［屮图分类号］R319［文献标识码］A
The Payment of Electronic Social Insurance C3ard Based on the Real Name Authentication System of WeChat and Alipay/SUN Miao,CHE Ling,ZUO Xiu—ran//China Digital Medicine.—201914(4):26to28
Abstract Mobile medical payment methods based on Alipay and WeChat have been popularized in recent years in China.In some districts,however,due to the limitations of the medical system,only self—fiinding patients can settle their fees by adopting mobile payment.This leads to the inconvenience for most of the medical insurance patients,as they cannot use their mobile phones to pay.To solve this problem,this essay proposes a new model which relates the electronic social insurance card to WeChat Public Platfbnn and Alipay account.By illustrating the practical approaches to apply this model together w ith the technical principles,the essay first analyzes the advantages the model brings in confirming identity and safeguarding the medical insurance account,then,the essay focuses on the specific application process of this model.Lastly,the essay illustrates the advantages of its use in electronic social insurance card,the practical application outcomes and the fiiture development of the model.
Keywords real name authentication,electronic social security card,online payment of medical insurance,mobile internet
Fund project Major Technical Innovation Project of Hubei Province in2016(No.2O16ACA154)
Corresponding author Inf(innation Department,the Ontral Hospital of Wuhan,Tongji Hospital,Tongji Medical College, Huazhong University of Science&Technology,Wuhan43()()14,Hubei Province,P.R.C.
1引言
2015年国务院发布《关于积极推进"互联网+”行动的指导意见，其中提出了借助互联网技术进一步改善居民就医体验的导向，随之手机移动支付迅速在医院普及，和支付宝为主的手机支付方式，被广泛应用于院内外的就诊流程叫但医保支付的解决方案仍然不尽人意W。基于社保部门对于医保账户的交易安全性的高要求，华中科技大学同济医学院附属武汉中心医院曾探索运用人脸识别App的接入方式，对接医保在线应用环节，但复杂的认证环节、需要独立安装的App，单一的险种支持，都严重影响了用户体验，广大患者需要更加便捷的方式来解决医保支付问题。
2移动医保支付研究现状
2.1应用建设现状国内移动互联网医院应用近两年发展迅速，其中移动支付环节多数采用、支付宝、银联、银行快捷
乂基金项目：2()16年度湖北省技术创新专项重大项目(编号：2016ACA154)
丨华中科技大学同济医学院附属武汉中心医院信息科，4和)14，湖北省武汉市江岸区胜利街26号
2华中科技大学同济医学院附属武汉中心医院医保办，430()14，湖北省武汉市江岸区胜利街26号
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