Secure Mobile Payment Platform for Healthcare Deferred Billing

Patients face challenges in accessing timely healthcare due to upfront payment requirements, which can delay or prevent treatment. The healthcare provider aims to offer a secure, user-friendly mobile application that enables patients to defer payments for medical services, facilitating easier payment methods while maintaining strict data security and regulatory compliance.

A mid-to-large scale innovative healthcare technology company seeking to enhance patient access to medical services through secure digital payment solutions.

• Develop a user-friendly mobile application that allows patients to defer payments for healthcare services with simple onboarding and transaction processes.
• Implement a virtual card system with pre-defined spending limits that enables secure online and in-person payments without exposing actual card details.
• Ensure secure and seamless payment processing, both online and offline, adhering to healthcare and financial regulations.
• Achieve full compliance with relevant data protection standards for sensitive medical and financial information.
• Integrate the application with existing backend systems and third-party card service providers for unified payment processing and virtual card provisioning.

• Multi-layer authentication combining biometrics (fingerprint, Face ID) and security codes.
• Virtual card generation with assigned limits for individual transactions.
• Secure display of sensitive information for limited time (e.g., 120 seconds) to enhance confidentiality.
• Screenshot prevention to prevent data capture of sensitive information.
• Secure transaction processing utilizing biometrics or security codes.
• Offline data protection measures ensuring security even when the device is not connected to the internet.
• Real-time analytics integration for user behavior and system performance insights.
• Push provisioning on Android devices for simplified card setup.

• Third-party virtual card service APIs for card provisioning and transaction processing
• Backend systems for patient and transaction data management
• Authentication services for biometric verification
• Analytics platforms for user and system behavior monitoring

• Scalability to support increasing user base and transactions
• High security measures, including multi-layer authentication and data encryption
• Compliance with healthcare data regulations (e.g., HIPAA) and financial data protection standards
• Secure data storage with minimal risk of data breaches
• System responsiveness with minimal latency for payments and user interactions

The deployment of this secure mobile payment platform is expected to facilitate more accessible healthcare by enabling patients to defer payments through virtual cards, improving treatment acceptance and retention. The system aims to securely handle sensitive financial and medical data, ensuring compliance with relevant regulations. Anticipated results include increased patient engagement, streamlined payment processes, and reduced financial barriers to healthcare access.