Core Insights - The article discusses the implementation of a "credit medical payment" service in Guangzhou, which allows patients to experience "pay after treatment" and "no queuing" in hospitals, marking a significant advancement in digital healthcare services in China [2][3]. Group 1: Service Overview - The "credit medical payment" service is a small consumer credit product that relies on big data risk control for patient credit assessment, differing from traditional consumer loans as it allows repayment from various sources including personal bank accounts and medical insurance accounts [3][4]. - The service has been fully deployed in all tertiary hospitals in Guangzhou, enhancing the payment experience for insured individuals by enabling "instant reimbursement" and "zero operation" for personal payments [3][4]. Group 2: Technical Infrastructure - The service integrates multiple systems including hospitals, medical insurance, UnionPay, and banks, ensuring a seamless experience for patients [5][6]. - The "UnionPay Medical Insurance Mobile Payment Platform" supports various payment channels and adheres to security standards to protect user information and transaction history [6]. Group 3: Market Impact and Expansion - The service has been adopted by nearly 100 medical institutions in Guangzhou, with over 200,000 signed users and more than 60,000 active users weekly on the "Convenient Medical Payment" mini-program [6][7]. - The credit medical payment service has expanded to 12 provinces including Shanghai, Zhejiang, and Guangdong, showcasing its scalability and effectiveness [7]. Group 4: Company Background - The company, Guangdong Desheng Technology Co., Ltd., has extensive experience in social security and public service sectors, providing a stable and convenient application platform for insured individuals [8][9]. - Desheng Technology is recognized as a leading digital comprehensive service provider in China, focusing on innovative solutions in public service and financial management [8][9].