KR20220033197A - Apparatus and method for providing easy payment service - Google Patents

Abstract

An embodiment according to the present invention provides a simple payment apparatus, which enables a user to simply pay a total charged fee through a communication network, comprising: an access processing unit outputting a simple payment pop-up page to a user terminal connected through a simple payment address; an identity authentication unit receiving an identity authentication request through the simple payment pop-up page and performing identity authentication for the user of the user terminal; a charge statement inquiry unit inquiring about at least one charge statement of the user, outputting a payment information guidance page, including information on the at least one charge statement about which is inquired, to the user terminal, and receiving, from the user terminal, information on the charge statement selected by the user among the at least one statement and information on a payment tool selected by the user among at least one payment tool exposed on the payment information guidance page; and a payment processing unit processing a payment for a charged fee of the charge statement, selected by the user, by using information on the payment tool selected by the user.

Description

Apparatus and method for providing easy payment service

The present invention relates to an apparatus and method for providing a simple payment service, and more particularly, to an apparatus and method for easily paying bills without logging in using an ID/password.

When paying telecommunication bills, customers generally register for direct debit so that telecommunication bills are automatically paid. If there is insufficient balance in the account of a financial institution registered by direct debit, an unpaid fee will occur. When an unpaid bill occurs, the telecommunication company sends a text message including a callback URL link to the web page where the customer can pay the unpaid bill, and the customer clicks the callback URL link in the text message received through the communication terminal to pay the unpaid bill pay

When the customer clicks the callback URL link in the text message, the telecommunication company system requires the customer to authenticate the login using an ID/password. However, since the ID/password setting conditions are different for each web site, if the customer does not remember the ID/password registered with the telecommunication company, he/she must go through a process of finding the ID/password, which causes inconvenience to the customer. In this process, the customer calls the customer center and asks for an ID/password, which causes unnecessary aggravation of the customer center's work.

The bill payment through such login authentication is the same for not only unpaid charges but also unpaid dues due. If you have not registered for direct debit, when the payment deadline arrives, the customer is notified of payment by text message, and the customer clicks the callback URL link included in the text message or directly visits the website of a telecommunication company that can handle the charge. You can pay, but the problem of login authentication using ID/password is the same.

In addition, products sold by telecommunication companies are diverse, such as mobile communication services, IPTV services, and landline phone services, and there are many cases in which one customer purchases several communication terminals and carries them. Conventionally, when one customer has to pay several types of communication charges, payment guidance is provided in the form of sending a text message to guide payment for each type of communication fee. Accordingly, the customer has the inconvenience of having to pay the fee through different channels for each of several billing statements.

An object of the present invention is to provide an apparatus and method for easily paying a billing fee only through a simple identity authentication procedure without logging in using an ID/password.

Another object of the present invention is to provide an apparatus and method for conveniently paying a plurality of billing statements at once.

According to an embodiment, a simple payment device for easily paying a billing fee through a communication network includes: a connection processing unit configured to output a simple payment pop-up page to a user terminal accessed through a simple payment address; a user authentication unit that receives a request for authentication through the simple payment pop-up page and performs identity authentication for the user of the user terminal; Inquires at least one billing statement of a user, outputs a payment information guide page including information of the inquired at least one billing statement to the user terminal, and information on a billing statement selected by the user from among the at least one billing statement and a billing specification inquiry unit for receiving, from the user terminal, information on a payment method selected by a user among at least one payment method exposed on the payment information guide page; and a payment processing unit configured to pay the billing fee of the billing statement selected by the user by using the information of the payment method selected by the user.

The billing statement inquiry unit displays the details of a plurality of billing statements of the user on the payment information guide page, and displays the total amount of billing charges of the plurality of billing statements selected by the user among the plurality of billing statements on the payment information guide page can be displayed

The payment processing unit may process each of the plurality of selected billing statements sequentially by using information of the selected payment method.

The payment processing unit may display the payment progress status of each of the plurality of selected billing statements on the screen of the user terminal.

The payment processing unit may output, to the user terminal, a payment completion guide message including normal payment details, payment failure details, and payment failure reasons when payment for the selected plurality of billing statements is completed.

The billing statement inquiry unit, when there is a user's pre-registered direct debit, displays the previously registered direct debit information on the payment information guide page, and the payment processing unit, When payment through payment is selected, the billing fee may be processed using the pre-registered direct debit payment method.

A method of conveniently paying a billing fee through a communication network according to an embodiment includes: outputting, by a simple payment server, a simple payment pop-up page to a user terminal accessed through a simple payment address; receiving, by the easy payment server, a user authentication request through the simple payment pop-up page, and performing identity authentication for the user of the user terminal; Inquiring, by the simple payment server, at least one billing statement of the user, and outputting a payment information guide page including information of the inquired at least one billing statement to the user terminal; The simple payment server transmits, from the user terminal, information on a billing statement selected by the user from among the at least one billing statement and information on a payment method selected by the user from among the at least one payment method exposed on the payment information guide page. receiving; and processing, by the simple payment server, the billing fee of the billing statement selected by the user by using the information of the payment method selected by the user.

The step of outputting the payment information guide page to the user terminal may include displaying details of a plurality of billing statements of the user on the payment information guide page, and of the billing charges of a plurality of billing statements selected by the user from among the plurality of billing statements. and displaying the total amount on the payment information guide page.

In the payment processing, each of the plurality of selected billing statements may be sequentially processed using information of the selected payment method.

The payment processing may include displaying a payment progress status of each of the selected plurality of billing statements on a screen of the user terminal.

The payment processing may include outputting a payment completion guide message including normal payment details, payment failure details, and payment failure reasons to the user terminal when payment for the selected plurality of billing statements is completed. .

In the step of outputting the payment information guide page to the user terminal, if there is a user's pre-registered direct debit, displaying the pre-registered direct debit information on the payment information guide page, and processing the payment , when payment through the registered direct debit is selected by the user, the billing fee may be processed using the pre-registered payment method of the direct debit.

The present invention makes it possible to conveniently pay a billing fee only with a simple identity authentication procedure without logging in using an ID/password.

According to the present invention, a portion of a plurality of billing statements can be selected and the selected billing statements can be conveniently paid at once.

According to the present invention, when a lump sum payment for a plurality of billing statements is made, it is possible to check whether each billing statement is paid at a glance.

1 is a diagram illustrating a network environment for a simple payment service according to an embodiment of the present invention.
FIG. 2 is a diagram showing the configuration of the simple payment server of FIG. 1 .
3 is a diagram illustrating an example of a simple payment connection screen according to an embodiment of the present invention.
4 is a diagram illustrating an example of a payment information guide page according to an embodiment of the present invention.
5 is a view showing details of a plurality of claim specifications.
6 is an example of displaying the payment progress for each billing statement according to an embodiment of the present invention.
7 is a diagram illustrating a payment completion guide message according to an embodiment of the present invention.
8 is a flowchart illustrating a method of simple payment of a billing fee in the network environment of FIG. 1 .

The above-described objects, features, and advantages will become more apparent through the following detailed description in relation to the accompanying drawings, whereby those of ordinary skill in the art to which the present invention pertains can easily implement the technical idea of the present invention. There will be. In addition, in the description of the present invention, if it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a network environment for a simple payment service according to an embodiment of the present invention. Referring to FIG. 1 , the network environment according to the present embodiment includes a user terminal 110 , a simple payment server 120 , a plurality of financial institutions 130 , an identity authentication institution 140 , and a communication network 150 connecting them. includes

The user terminal 110 may be a fixed terminal implemented as a computing device or a mobile terminal. The user terminal 110 includes, for example, a smart phone, a mobile phone, a personal computer, a notebook computer, a tablet PC, and the like. The user terminal 110 communicates with the simple payment server 120 through the communication network 150 using a wireless or wired communication method, and performs payment processing according to a user's input. Herein, the billed charge is an unpaid charge or an unpaid charge due.

The simple payment server 120 is a server implemented as a computing device, and communicates with the user terminal 110 to receive a request for payment of a billing fee from the user terminal 110, and includes a plurality of financial institutions 130 and an identity authentication institution ( 140) to verify the user's identity, and to process payment of bills. In this embodiment, the simple payment server 120 may be a system that processes payment of communication fees operated by a mobile communication company.

The plurality of financial institutions 130 is a system of a bank, a securities company, a credit card company, or a system of a fintech company such as Kakao Pay or Naver Pay, and is a system of an institution that holds a user's payment method. The plurality of financial institutions 130 pays the user's billing fee to the simple payment server 120 according to the payment request of the simple payment server 120 . Payment means a deposit to a designated account of a business operator operating the simple payment server 120 .

The identity authentication authority 140 is a system for performing identity authentication using a mobile phone or a system of an authorized authentication institution performing identity authentication using a public certificate. The identity authentication authority 140 performs identity authentication of the user according to the identity authentication request of the simple payment server 120 , and transmits the identity authentication result to the simple payment server 120 .

The communication network 150 includes a mobile communication network such as Long Term Evolution (LTE) and Wideband Code Division Multiple Access (WCDMA), a wired Internet network, and a local area wireless communication network such as Wi-Fi. Since it corresponds to the technology, a detailed description thereof will be omitted.

FIG. 2 is a diagram showing the configuration of the simple payment server 120 of FIG. 1 . Referring to FIG. 2 , the simple payment server 120 includes a storage unit 210 , a connection processing unit 220 , an identity authentication unit 230 , a billing statement inquiry unit 240 , and a payment processing unit 250 , These components may be implemented as hardware or software, installed in a memory, and then executed by a processor.

The storage unit 210 stores information of at least one or more claim specifications based on the user's personal identification information. Herein, the billing statement is a statement regarding unpaid charges or charges paid on time. The billing statement includes billing charge information and direct debit information, and each billing statement exists individually according to the billing charge type. For example, a billing statement of a mobile phone communication charge, a billing statement of an ITPV charge, a billing statement of an Internet charge, and the like are each individually stored based on one user's personal identification information. Here, the personal identification information is, for example, information that can uniquely identify an individual, such as a phone number or a resident registration number.

The connection processing unit 220 accesses the user terminal 110 accessed through the simple payment URL, and outputs a simple payment pop-up webpage for simple payment to the connected user terminal 110 . In one embodiment, the easy payment URL is inserted in the form of a banner on the web page and mapped to the button object, and when the corresponding easy payment button object is selected by the user, the web browser of the user terminal 110 is converted to the easy payment URL connect In another embodiment, when a button object to which the easy payment URL is mapped is selected by the user in the mobile application, the mobile application connects to the easy payment URL.

3 is a diagram illustrating an example of a simple payment connection screen according to an embodiment of the present invention. Referring to FIG. 3 , the user executes a web browser in the user terminal 110 to access www.kt.com, and selects the easy payment menu 310 from the left menu. The easy payment URL is mapped to the easy payment menu 310, so the web browser accesses the easy payment URL, and as shown in FIG. 3, the easy payment pop-up web page 320 provided by the connection processing unit 220 to output The easy payment pop-up webpage 320 guides the user on the easy payment method by displaying a guide message in the form of conversation with the chatbot. As shown in FIG. 3 , the self-authentication menu 330 is displayed on the simple payment pop-up web page 320 , and the user selects the self-authentication menu 330 to proceed with the self-authentication process.

Referring back to FIG. 2 , the identity authentication unit 230 performs identity authentication for the user of the user terminal 110 accessed through the simple payment URL. Here, the identity authentication includes mobile phone identity authentication or identity authentication using a public certificate. The identity authentication unit 230 may request authentication of the user from the identity authentication authority 140 and receive an authentication result.

In an embodiment, the identity authentication unit 230 communicates with the identity authentication authority 140 and outputs a user authentication pop-up window for mobile phone identity authentication to the user terminal 110 . The identity authentication pop-up window includes a part for entering a phone number and a resident registration number, and a part for inputting an authentication number, and the identity authentication unit 230 transmits the information entered through the identity authentication pop-up window to the identity authentication authority 140 . to and receive the authentication result.

In another embodiment, the identity authentication unit 230 outputs the public authentication pop-up window to the user terminal 110 and transmits encrypted data generated using the public authentication password input through the public authentication pop-up window to the identity authentication authority 140 . ) and receive the authentication result. Public authentication is an authentication method based on a private key/public key, and since it is a known authentication method, a detailed description is omitted here.

In the present embodiment, as a method of self-authentication, a mobile phone self-authentication method and an authentication method using a public certificate are described, but the present invention is not limited thereto, and various types of self-authentication methods such as self-verification using credit card information may be used.

The billing statement inquiry unit 240, when the identity authentication is successful in the identity authentication unit 230, by using the user's personal identification information included in the authentication result, inquires the user's billing statement in the storage unit 210, A payment information guide page including the information of the inquired billing statement is output to the user terminal 110 .

The payment information guide page includes a tab menu that allows the user to select a billing statement to be paid from among the plurality of billing statements, when there are multiple billing statements, and displays the sum of the total billing charges of the billing statements selected by the user and a display area for the amount to be paid, and a payment method selection menu for selecting a payment method.

The billing statement inquiry unit 240 aligns and displays the details of each billing statement when the tab menu is selected to check and select detailed details of the billing statement on the payment information guide page. When the user selects a billing statement to be paid among a plurality of billing statements, the billing statement inquiry unit 240 displays the sum of the total billing charges of the billing statements selected by the user in the amount to be paid display area.

When the user selects a payment method from the payment method selection menu displayed on the payment information guide page, the billing specification inquiry unit 240 may display an input screen for inputting information related to a payment method. For example, an input screen for inputting a bank, account number, and password is displayed, and related information is received through the input screen.

If the user has already registered direct debit, the billing statement inquiry unit 240 may display pre-registered direct debit information on the payment information guide page, and allow the user to pay the billing fee through the direct debit. there is. If there is not enough balance in the account registered for direct debit even though direct debit has already been registered, an unpaid fee may occur, and the unpaid fee can be paid from the direct debit account after depositing the cost into the account. Alternatively, in a state in which direct debit has already been registered and the due date for direct debit has not arrived, the payment can be made by transferring the payment fee within the due date from the direct debit account.

4 is a view showing an example of a payment information guide page according to an embodiment of the present invention, and FIG. 5 is a view showing details of a plurality of billing specifications.

As shown in FIG. 4 , the payment information guide page 410 that is output to the user terminal 110 after successful user authentication, if there are a plurality of billing statements, check each billing statement and select a billing statement to be paid and a tab menu 420 to enable it.

When the tab menu 420 is selected, as shown in FIG. 5 , details of a plurality of billing statements are displayed, and a check box 510 for checking whether payment is made is displayed on the left side of each billing statement. . The user may select check box 510 to select a billing statement to be paid.

As shown in FIG. 4 , the payment information guide page includes an amount display area 430 that displays the sum of the total billed charges to be paid, and the sum of billing charges of billing statements selected through the check box 510 . The amount is displayed. Partial payment of the billing fee on each billing statement is not possible. You can choose to pay all or not to pay all the charges on your billing statement, or both.

In addition, as shown in FIG. 4 , the payment information guide page includes a payment method selection menu 440 for selecting a payment method. The payment method includes, for example, Kakao Pay, bank account transfer, credit card payment, and the like, as shown in FIG. 4 . However, the present invention is not necessarily limited thereto, and various payment methods may be applied.

In addition, as shown in FIG. 4 , in the payment information guide page, if the user has already registered direct debit, the pre-registered direct debit information 450 is displayed on the payment information guide page, and the direct debit is performed. You may be able to pay bills through

Referring back to FIG. 2 , the payment processing unit 250 performs payment for the total amount of the billed charges by using the payment method selected by the user on the payment information guide page. The payment processing unit 250 transmits, to the financial institution 130 corresponding to the payment method selected by the user, the total amount of the billed fee and information on the payment method (eg, account number, password, etc.) to request payment, and pay receive the result.

When payment through the registered direct debit is selected by the user, the payment processing unit 250 may process the billing fee by using the pre-registered payment method of the direct debit.

Preferably, when the user selects a plurality of billing statements, the payment processing unit 250 sequentially requests payment for each billing statement rather than requesting payment for each billing statement in parallel at the same time. This is because, when payment requests are made simultaneously in parallel, payment for all billing statements is not performed when an error occurs.

For example, if a user's bank account runs out of balance, payment of all billing statements is not completed. Since only the billing statement at the point in time when the balance becomes insufficient during individual and sequential payment processing is unsettled, the sequential payment method is more advantageous from the perspective of the operator.

The payment processing unit 250 may display the payment progress status for each billing specification on the screen when payment is made. The payment progress status is either payment completed or payment failed. The payment processing unit 250 may output a payment completion guide page to the user terminal 110 when payment for all billing specifications is completed. The payment completion guide page displays the billing statements that have been paid and the billing statements that have failed to pay, and includes the reason for the failure to pay.

6 is an example of displaying the payment progress for each billing specification according to an embodiment of the present invention, and FIG. 7 is a view showing a payment completion guidance message according to an embodiment of the present invention. In the example of FIG. 6 , each billing statement is listed, and status information 610 of either completed payment or failed payment is displayed on the right side of each billing statement detail. If the payment fails due to a communication error or insufficient balance during the payment process, it is marked as payment failure. In the example of FIG. 7 , in the payment completion guide message, the details 710 of the normally paid specifications and the details 720 of the billing specifications that have failed to be paid are displayed together.

8 is a flowchart illustrating a method of simple payment of a billing fee in the network environment of FIG. 1 .

Referring to FIG. 8 , in step S801 , the user terminal 110 accesses the easy payment server 120 through the easy payment URL. For example, when a user selects an easy payment menu displayed in the form of a banner menu on a specific website, the web browser of the user terminal 110 accesses the easy payment URL mapped to the corresponding easy payment menu. Alternatively, the easy payment server 120 may be accessed by selecting the easy payment menu from the dedicated application installed on the user terminal 110 .

In step S802 , the simple payment server 120 outputs the simple payment pop-up webpage to the user terminal 110 . The easy payment pop-up webpage guides the user on the easy payment method by displaying a guide message in the form of a conversation with the chatbot. As shown in FIG. 3 , the self-authentication menu 330 is displayed on the simple payment pop-up web page 320 .

In step S803, the user terminal 110 requests user authentication to the simple payment server 120 according to the user's input. For example, as the user selects the user authentication menu 330 shown in FIG. 3 , the user terminal 110 may request user authentication.

In step S804, the simple payment server 120 communicates with the user authentication authority 140 to authenticate the user. Here, the identity authentication includes mobile phone identity authentication, identity authentication using a public certificate, or identity authentication using credit card information. The simple payment server 120 may transmit personal information input from the user to the identity authentication authority 140 to request identity authentication and receive an authentication result.

When identity authentication is completed, in step S805, the simple payment server 120 inquires the user's billing statement from the storage 210 using the user's personal identification information included in the authentication result, and the inquired billing statement A payment information guide page including information of is output to the user terminal 110 .

The payment information guide page includes a tab menu that allows the user to select a billing statement to be paid from among the plurality of billing statements, when there are multiple billing statements, and displays the sum of the total billing charges of the billing statements selected by the user and a display area for the amount to be paid, and a payment method selection menu for selecting a payment method.

In step S806 , the user selects a billing statement to be paid from among a plurality of billing statements on the payment information guide page, and the user terminal 110 transmits information on the billing statement selected by the user to the simple payment server 120 .

In step S807, the simple payment server 120 displays the total amount of billing charges in the billing statement selected by the user in the amount to be paid display area of the payment information guide page.

In step S808 , the user selects one of a plurality of payment methods from the payment information guide page, and the user terminal 110 transmits information on the payment method selected by the user to the simple payment server 120 . Here, the information of the payment means may include, for example, a bank, an account number, a password, or the like, or may include credit card information.

In step S809, the simple payment server 120 performs payment for the total amount of the user's billed charges by using the payment method selected by the user. The simple payment server 120 transmits, to the financial institution 130 corresponding to the payment method selected by the user, the total amount of billed charges and information on the payment method (eg, account number, password, etc.) to request payment, Receive payment results.

Preferably, as shown in FIG. 8, the simple payment server 120 does not request payment for each of the plurality of billing statements selected by the user at the same time in parallel, but sequentially requests payment for each billing statement, and returns the payment result. receive

In step S810 , the simple payment server 120 transmits and displays the payment progress status information to the user terminal 110 . Preferably, as shown in FIG. 8 , the simple payment server 120 transmits and displays payment progress status information for each billing statement to the user terminal 110 . The payment progress status is either payment completed or payment failed.

When all payments are completed, in step S811 , the simple payment server 120 outputs a payment completion guide page to the user terminal 110 . The payment completion guide page displays the billing statements that have been paid and the billing statements that have failed to pay, and includes the reason for the failure to pay.

According to the above embodiment, the user can conveniently pay the billing fee only through a simple self-authentication process without logging in using an ID/password. In addition, it is possible to conveniently make a lump sum payment for multiple billing statements at once.

While this specification contains many features, such features should not be construed as limiting the scope of the invention or the claims. Also, features described in individual embodiments herein may be implemented in combination in a single embodiment. Conversely, various features described herein in a single embodiment may be implemented in various embodiments individually, or may be implemented in appropriate combination.

Although acts are described in a particular order in the drawings, it should not be understood that the acts are performed in the particular order as shown, or that all of the described acts are performed in a continuous order, or to obtain a desired result. . Multitasking and parallel processing can be advantageous in certain circumstances. In addition, it should be understood that the division of various system components in the above-described embodiments does not require such division in all embodiments. The program components and systems described above may generally be implemented as a package in a single software product or multiple software products.

The method of the present invention as described above may be implemented as a program and stored in a computer-readable form in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.). Since this process can be easily performed by a person skilled in the art to which the present invention pertains, it will not be described in detail any longer.

The present invention described above, for those of ordinary skill in the art to which the present invention pertains, various substitutions, modifications and changes are possible within the scope without departing from the technical spirit of the present invention. It is not limited by the drawings.

110: user terminal
120: Easy payment server
130: financial institution
140: self-certification authority
150: communication network
210: storage
220: connection processing unit
230: identity authentication unit
240: billing statement inquiry unit
250: payment processing unit

Claims (13)

A simple payment device for easily paying billing fees through a communication network,
an access processing unit for outputting a simple payment pop-up page to a user terminal accessed through a simple payment address;
a user authentication unit that receives a request for authentication through the simple payment pop-up page and performs identity authentication for the user of the user terminal;
Inquires at least one billing statement of the user, outputs a payment information guide page including information of the inquired at least one billing statement to the user terminal, and information on a billing statement selected by the user from among the at least one billing statement and a billing specification inquiry unit for receiving, from the user terminal, information on a payment method selected by a user among at least one payment method exposed on the payment information guide page; and
and a payment processing unit configured to pay the billing fee of the billing statement selected by the user by using the information of the payment method selected by the user. According to claim 1,
The claim statement inquiry unit,
Displaying the details of the plurality of billing statements of the user on the payment information guide page, and displaying the total amount of billing charges of the plurality of billing statements selected by the user among the plurality of billing statements on the payment information guide page Easy payment device. 3. The method of claim 2,
The payment processing unit,
Simple payment device, characterized in that the payment processing for each of the selected plurality of billing statements sequentially using the information of the selected payment means. 4. The method of claim 3,
The payment processing unit,
Simple payment device, characterized in that the payment progress of each of the selected plurality of billing statements is displayed on the screen of the user terminal. 5. The method of claim 4,
The payment processing unit,
When payment for the selected plurality of billing statements is completed, a payment completion guide message including normal payment details, payment failure details, and payment failure reasons is output to the user terminal. According to claim 1,
The claim statement inquiry unit,
If there is a user's pre-registered direct debit, displaying the pre-registered direct debit information on the payment information guide page,
The payment processing unit,
The simple payment device, characterized in that when payment through the registered direct debit is selected by the user, the billing fee is processed using the pre-registered direct debit payment method. In the method of easily paying billing fees through a communication network,
outputting, by the simple payment server, a simple payment pop-up page to the user terminal accessed through the easy payment address;
receiving, by the easy payment server, a user authentication request through the simple payment pop-up page, and performing identity authentication for the user of the user terminal;
Inquiring, by the simple payment server, at least one billing statement of the user, and outputting, to the user terminal, a payment information guide page including information on the inquired at least one billing statement;
The simple payment server transmits, from the user terminal, information on a billing statement selected by the user from among the at least one billing statement and information on a payment method selected by the user from among at least one payment method exposed on the payment information guide page. receiving; and
and processing, by the simple payment server, the billing fee of the billing statement selected by the user by using the information of the payment method selected by the user. 8. The method of claim 7,
The step of outputting the payment information guide page to the user terminal comprises:
Displaying the details of a plurality of billing statements of the user on the payment information guide page, and displaying on the payment information guide page the total amount of billing charges of the plurality of billing statements selected by the user from among the plurality of billing statements A method characterized in that. 9. The method of claim 8,
The payment processing step is,
Method characterized in that the payment processing for each of the plurality of selected billing statements sequentially using the information of the selected payment method. 10. The method of claim 9,
The payment processing step is,
and displaying the payment progress status of each of the plurality of selected billing statements on a screen of the user terminal. 11. The method of claim 10,
The payment processing step is,
and outputting a payment completion guide message including normal payment details, payment failure details, and payment failure reasons to the user terminal when payment for the selected plurality of billing statements is completed. 8. The method of claim 7,
The step of outputting the payment information guide page to the user terminal comprises:
If there is a user's pre-registered direct debit, displaying the pre-registered direct debit information on the payment information guide page,
The payment processing step is,
When payment through the registered direct debit is selected by the user, the billing fee is processed using the pre-registered direct debit payment method. A computer program recorded on a recording medium as a computer program for executing the method according to any one of claims 7 to 12 through a computer system.

Images