The author explored in the construction of a pattern of medical payment, with a patient-centered, multi-bank ,sharing platform of real-time settlement，based on the idea of "Internet +", by means of discussing the innovation of corporation between banks and hospitals. With the variety of modern methods of payment and settlement which this platform can support, including mobile payment settlement , Online banking payment settlement, and the payment through ATM (automated teller machine),patients can operate with self-service in the whole course in a convenient and fast way, meanwhile they can obtain more medical information, improving the medical-service experience and the operating efficiency of hospitals, and at the same time the multi-win goal of multiple parts, including patients, hospitals and banks, etc, would be achieved