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With the release of the epidemic, people's demand for consultations has increased rapidly. Due to the surge in pressure on hospital services, online consultations have become an effective way for many people to replace going to the hospital. Online consultations have even begun to experience explosive growth. However, in the development process of the Internet medical platform, it often encounters problems such as confusing transaction accounts and low efficiency of fund settlement. So how should the above business pain points be solved with the help of aggregated payment splitting?
According to Guangzhou Disease Control and Prevention data, there are currently 168 Internet medical platforms in Guangzhou area online, and 498 doctors provide online consultations. Since December 6, 2022, the Internet medical platform has provided a total of 140,000 online diagnoses and treatments, conducted 428,600 health consultations, and issued 42,000 electronic prescriptions in about a week. The Internet medical platform has played an important role in providing consultation and guidance for home treatment personnel, effectively alleviating the pressure of offline diagnosis and treatment.
At present, Internet medical platforms are generally divided into the following operating models:
1 and hospital model : Generally, large hospitals build their own online consultation systems to provide patients with online health consultation, online follow-up consultations, online prescriptions for chronic diseases, pharmacists' online prescription review, drug logistics and distribution, home medication guidance , home extended care, post-hospital online follow-up, etc., and provide remote diagnosis and treatment services to other medical institutions.
2, regional model : Usually based on cities or districts and counties, various medical institutions in the region (including tertiary hospitals, secondary hospitals, first-level hospitals, township health centers, etc.) are built to build a regional Internet medical ecosystem to provide local residents with online health consultation, online follow-up, chronic disease prescription extensions, online nurse appointments and other services, and provide hierarchical diagnosis and treatment technical support and other services to medical institutions.
3, platform model : Initiated by Internet companies, through cooperation with offline physical medical institutions, it gathers doctor resources from all over the country through multi-point practices. Doctors register through the Internet corporate medical platform and provide services such as diagnosis and treatment, check-ups, surgery appointments, and drug delivery to patients across the country.
In the development process of the Internet medical platform, the platform faces many obstacles in the transaction process. On the one hand, it must solve the problem of aggregated payment. In order to meet the diverse payment needs of users, the platform needs to connect multiple payment channels, which is complex and cumbersome. On the other hand, due to the surge in demand for consultations, the platform needs to split accounts with doctors, drug suppliers and other parties. Account management is difficult, and fund settlement cannot guarantee compliance.
MallBook provides an aggregated payment splitting system for the Internet medical industry to meet various transaction needs of the platform in operation and management. It can realize:
1. One-click access to diversified mainstream payment channels such as Alipay, WeChat , Cloud Quick Pass, Express and so on through the API interface, ensuring that users can pay conveniently;
2. Ability to target transactions Easy Order realizes automated fund settlement. After the transaction is completed, the funds will automatically flow into the corresponding electronic accounts of each doctor, drug supplier, etc., and with the help of the aggregated payment ledger system, transaction funds can be deposited in the supervision accounts of financial institutions to ensure the compliance of fund settlement;
third, can allow real-time interaction of transaction information, accurately match the flow of funds and information, and provide clear data reports to easily achieve unified reconciliation.
In fact, whether it is a hospital model, a regional model or a platform model, you will face various transaction problems in the process of business development, which can be easily solved with the help of the aggregated payment and accounting system.
In summary, the aggregated payment and accounting system can help Internet medical platforms achieve safer fund settlement, more efficient reconciliation processing, and more flexible fund accounting, thereby allowing platform companies to improve overall transaction management efficiency and alleviate financial cost pressure. At present, MallBook has provided aggregated payment and billing solutions for many medical platforms such as WeDoctor , Xiaohe Health, Miaoshou Doctor, etc. There is still a lot of room for the development of Internet medical care in the future. I believe that with the help of MallBook, Internet medical platforms can accelerate into a sustainable and high-quality development track.
