Installment payment method and system

Abstract

To provide a method and system for split payment.SOLUTION: A split payment method includes the steps of: recognizing cost information for each payment item based on a bill or a receipt related to cost for split payment; creating a split payment page that supports a payment or remittance of cost for each payment item of a visitor based on the recognized cost information for each payment item; providing a link to the split payment page; and processing of payment or remittance of cost for at least one payment item selected in the split payment page by a visitor who has visited the split payment page through the link, by at least one processor.SELECTED DRAWING: Figure 3

Description

[Technical field]

[0001] The following description relates to installment payment methods and systems. [Background technology]

[0002] There are cases where a payment must be split among multiple people. For example, there are various types of installment payments, such as a case where multiple people eat together at a restaurant and each person pays the meal fee to the restaurant, or a case where one of the multiple people pays the entire fee and then receives a certain amount from the remaining people. Patent Document 1 relates to a system and method for providing installment payments using short-range communication, and discloses a system including: a recognition unit that supports short-range wireless communication with a portable terminal device that has at least one payment means built in and is capable of mobile payment, and recognizes payment information related to the payment means built in the portable terminal device via short-range wireless communication with the portable terminal device carried by the payer for each payer belonging to the payer group when installment payments are requested for a payment amount set by a seller from a payer group consisting of multiple payers; and a payment processing unit that divides the payment amount for the payer group, sets the installment amount for each payer, and then processes the payment for the installment amount for each payer using the payment information. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Korean Patent Publication No. 10-2012-0111095 Summary of the Invention [Problem to be solved by the invention]

[0004] To provide an installment payment method and system, which recognizes cost information by payment item from an invoice or receipt related to costs for installment payment, selects a payment item based on the cost information by payment item, and generates and provides a link to an installment payment page where the cost of the selected payment item can be paid or remitted, thereby enabling a user who accesses the installment payment page via the link to select his / her own items and process the payment or remittance for the cost of the selected item. [Means for solving the problem]

[0005] Provided is a method for installment payments executed on a computer device including at least one processor, the method including: recognizing, by the at least one processor, cost information by payment item based on an invoice or receipt associated with costs for installment payments; generating, by the at least one processor, an installment payment page that assists a visitor in paying or transferring money for costs by payment item based on the recognized cost information by payment item; providing, by the at least one processor, a link to the installment payment page; and processing, by the at least one processor, payment or transfer of costs for at least one payment item selected on the installment payment page by a visitor who visits the installment payment page via the link.

[0006] According to one aspect, the installment payment page may be characterized by including a first function for selecting at least one payment item from among the payment items, and a second function for requesting payment or remittance of a fee for the at least one payment item selected by the first function.

[0007] According to another aspect, the installment payment page may be characterized as including a first area displaying cost information by the payment item and, if a payment item is selected, a second area displaying a dynamically calculated cost for payment or transfer for at least one selected payment item.

[0008] According to yet another aspect, the step of processing payment or remittance of the fee may be characterized as processing payment of the fee for the at least one selected payment item in association with a merchant corresponding to the invoice or receipt.

[0009] According to yet another aspect, the step of processing the payment or remittance of the cost may be characterized as processing a remittance of the cost for the at least one selected payment item to a merchant or payer corresponding to the invoice or receipt as a payee.

[0010] According to another aspect, the installment payment method may further include reflecting, by the at least one processor, a result of the visitor's payment or transfer in association with the at least one payment item on the installment payment page.

[0011] According to another aspect, the installment payment page may include a sharing function for sharing the results of the visitor's payment or remittance, and the installment payment method may further include a step of responding to a sharing request from the visitor using the sharing function, by the at least one processor, transmitting the results of the visitor's payment or remittance to a user selected by the visitor from among users with whom a personal relationship has been formed with the visitor.

[0012] According to another aspect, the transmitting step may be characterized in that, if the user selected by the visitor is not the settler of the installment payment, the transmitting step may include transmitting a result of the visitor's payment or remittance to the user selected by the visitor with at least some information about the visitor removed or masked from the result of the visitor's payment or remittance.

[0013] According to another aspect, the step of recognizing cost information by payment item may include receiving an image of the invoice or receipt captured by a camera of a terminal of one of the installment payment settlers, and recognizing text from the received image to extract cost information by payment item.

[0014] According to another aspect, the step of processing payment or remittance of the fee may be characterized by requesting payment of all remaining amounts for the installment from a visitor who accessed the installment page via the link if the visitor is the final settler of the installment.

[0015] According to yet another aspect, the installment payment method may further include providing, by the at least one processor, an administrator page for requesting settlement by installment payment item to a settler of the installment payment.

[0016] A computer program is provided, recorded on a computer-readable recording medium, which is coupled to a computer device to cause the computer device to execute the method.

[0017] A computer-readable recording medium is provided on which a program for causing a computer device to execute the method is recorded.

[0018] A computer device is provided, the computer device including: a memory storing computer-executable instructions; and at least one processor implemented to execute the instructions, the at least one processor recognizing cost information by payment item based on an invoice or receipt associated with costs for installment payments; generating an installment payment page to assist a visitor in paying or transferring the costs by payment item based on the recognized cost information by payment item; providing a link to the installment payment page; and processing the payment or transfer of costs for at least one payment item selected on the installment payment page by a visitor who visits the installment payment page via the link. Effect of the Invention

[0019] By recognizing cost information by payment item from an invoice or receipt associated with the cost for installment payment, selecting a payment item based on the cost information by payment item, and generating and providing a link to an installment payment page where payment or transfer toward the cost of the selected payment item can be made, a user who accesses the installment payment page via the link can select his or her own items and process payment or transfer toward the cost of the selected items. [Brief description of the drawings]

[0020] [Figure 1] FIG. 1 illustrates an example of a network environment in accordance with an embodiment of the present invention. [Diagram 2] 1 is a block diagram illustrating an example of a computing device in accordance with an embodiment of the present invention. [Diagram 3] 1A-1C are diagrams illustrating an example of a receipt scanning process in accordance with an embodiment of the present invention. [Figure 4] FIG. 11 is a diagram showing an example of a recognition result of a receipt in one embodiment of the present invention. [Diagram 5] FIG. 13 illustrates an example of sharing a receipt in accordance with an embodiment of the present invention. [Figure 6] FIG. 10 illustrates an example installment payment page in accordance with one embodiment of the present invention. [Figure 7] FIG. 13 illustrates an example of displaying settler information regarding settled payment items in one embodiment of the present invention. [Figure 8] 4 is a flow chart illustrating an example of an installment payment method in accordance with one embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0021] Hereinafter, the embodiments will be described in detail with reference to the accompanying drawings.

[0022] The installment payment system according to the embodiment of the present invention may be realized by at least one computer device, and the installment payment method according to the embodiment of the present invention may be executed by at least one computer device included in the installment payment system. In this case, a computer program according to an embodiment of the present invention may be installed and executed in the computer device, and the computer device may execute the installment payment method according to the embodiment of the present invention according to the control of the executed computer program. The above-mentioned computer program may be recorded on a computer-readable recording medium coupled to the computer device to cause the computer to execute the installment payment method.

[0023] Fig. 1 is a diagram showing an example of a network environment in an embodiment of the present invention. The network environment in Fig. 1 shows an example including a plurality of electronic devices 110, 120, 130, 140, a plurality of servers 150, 160, and a network 170. Such Fig. 1 is merely an example for explaining the present invention, and the number of electronic devices and the number of servers are not limited to those shown in Fig. 1. Furthermore, the network environment in Fig. 1 is merely an example of an environment applicable to this embodiment, and the environment applicable to this embodiment is not limited to the network environment in Fig. 1.

[0024] The electronic devices 110, 120, 130, and 140 may be fixed terminals or mobile terminals realized by computer devices. Examples of the electronic devices 110, 120, 130, and 140 include smartphones, mobile phones, navigation systems, personal computers (PCs), notebook PCs, digital broadcasting terminals, personal digital assistants (PDAs), portable multimedia players (PMPs), and tablets. As an example, FIG. 1 shows a smartphone as an example of the electronic device 110, but in the embodiment of the present invention, the electronic device 110 may mean one of various physical computer devices that can communicate with other electronic devices 120, 130, and 140 and / or servers 150 and 160 via a network 170 using a substantially wireless or wired communication method.

[0025] The communication method is not limited, and may include not only a communication method using a communication network (for example, a mobile communication network, a wired Internet, a wireless Internet, a broadcasting network) that the network 170 can include, but also short-range wireless communication between devices. For example, the network 170 may include any one or more of a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), a broadband network (BBN), the Internet, and the like. Furthermore, the network 170 may include any one or more of a network topology including, but not limited to, a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or hierarchical network, and the like.

[0026] Each of the servers 150, 160 may be realized by one or more computing devices that communicate with the multiple electronic devices 110, 120, 130, 140 via the network 170 to provide instructions, codes, files, content, services, etc. For example, the server 150 may be a system that provides services (such as, for example, a payment service, a group calling service (or an audio conference service), a messaging service, an email service, a social networking service, a map service, a translation service, a financial service, a search service, a content providing service, etc.) to the multiple electronic devices 110, 120, 130, 140 connected via the network 170.

[0027] 2 is a block diagram showing an example of a computer device according to an embodiment of the present invention. Each of the electronic devices 110, 120, 130, and 140 and the servers 150 and 160 described above may be realized by a computer device 200 shown in FIG.

[0028] Such a computer device 200 may include a memory 210, a processor 220, a communication interface 230, and an input / output interface 240, as shown in FIG. 2. The memory 210 is a computer-readable recording medium and may include a random access memory (RAM), a read only memory (ROM), and a permanent mass storage device such as a disk drive. Here, a permanent mass storage device such as a ROM or a disk drive may be included in the computer device 200 as a separate permanent storage device separate from the memory 210. The memory 210 may also store an operating system and at least one program code. Such software components may be loaded into the memory 210 from a computer-readable recording medium separate from the memory 210. Such separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD / CD-ROM drive, a memory card, etc. In another embodiment, the software components may be loaded into the memory 210 through a communication interface 230 that is not a computer-readable recording medium. For example, the software components may be loaded into the memory 210 of the computing device 200 based on a computer program installed by a file received over the network 170 .

[0029] The processor 220 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input / output operations. The instructions may be provided to the processor 220 by the memory 210 or the communication interface 230. For example, the processor 220 may be configured to execute instructions received according to program code stored in a storage device, such as the memory 210.

[0030] The communication interface 230 may provide a function for the computer device 200 to communicate with other devices (for example, the above-mentioned recording device) via the network 170. For example, requests, instructions, data, files, etc. generated by the processor 220 of the computer device 200 according to program codes recorded in a recording device such as the memory 210 may be transmitted to other devices via the network 170 under the control of the communication interface 230. Conversely, signals, instructions, data, files, etc. from other devices may be received by the computer device 200 via the communication interface 230 of the computer device 200 via the network 170. The signals, instructions, data, etc. received via the communication interface 230 may be transmitted to the processor 220 or the memory 210, and the files, etc. may be recorded on a recording medium (the above-mentioned permanent recording device) that the computer device 200 may further include.

[0031] The input / output interface 240 may be a means for interfacing with the input / output device 250. For example, the input device may include a device such as a microphone, a keyboard, or a mouse, and the output device may include a device such as a display, a speaker, etc. As another example, the input / output interface 240 may be a means for interfacing with a device in which functions for input and output are integrated into one, such as a touch screen. The input / output device 250 may be configured as one device together with the computer device 200.

[0032] Also, in other embodiments, computing device 200 may include fewer or more components than those of Figure 2. However, most prior art components need not be explicitly illustrated. For example, computing device 200 may be implemented to include at least some of the input / output devices 250 described above, and may further include other components such as a transceiver, a database, etc.

[0033] FIG. 3 is a diagram showing an example of a receipt scanning process in an embodiment of the present invention. FIG. 3 shows an example of a screen 320 of a user terminal 310 of one of the settlers of the installment payment. In order to provide the installment payment service, an application associated with the installment payment service may be installed and executed in the corresponding user terminal 310, and the screen 320 of FIG. 3 may be a service screen provided by such an application. To proceed with the installment payment, the user terminal 310 may request information on the invoice or receipt according to the control of the application. At this time, in the screen 320 of FIG. 3, the first dotted box 330 may be a user interface for activating a function that supports the user to capture an image of the invoice or receipt using a camera, and the second dotted box 340 may be a user interface for activating a function that supports the user to select an image of the invoice or receipt that has already been captured and stored in the user terminal. For example, when the user interface of the first dotted frame 330 is selected by the user (as an example, in a mobile environment, the user touches the area of ​​the first dotted frame 330 with his / her finger), the user terminal 310 may activate the camera according to the control of the application and obtain an image of the invoice or receipt captured by the activated camera.

[0034] In one embodiment, the user terminal 310 may be provided with a service for installment payments from a server (for example, the server 150 described with reference to FIG. 1). In this case, the user terminal 310 may transmit an image of an invoice or receipt obtained from the server, and the server may analyze the image of the invoice or receipt to extract text to generate a recognition result. The server may provide the user terminal 310 with a page including the recognition result.

[0035] FIG. 4 is a diagram showing an example of a receipt recognition result in an embodiment of the present invention. FIG. 4 shows an example of a screen 410 on which a page including the receipt recognition result is displayed. The screen 410 shows cost information by payment item, and shows a user interface 420 for activating a function for sharing the receipt recognition result with other users. When a user selects the user interface 420, the receipt recognition result may be provided to other users. At this time, the user may directly select other users to whom the receipt recognition result is to be transmitted, or may select a channel or medium for displaying the receipt recognition result. For example, the user terminal 310 may support the user to directly select other users to whom the receipt recognition result is to be provided by providing a list of other users who have a personal relationship with the user. As another example, the user terminal 310 may support the user to display the receipt recognition result in a chat room or service desired by the user and transmit it to other users by providing the user with a list of instant messenger chat rooms or specific services (for example, social network services) on which the receipt recognition result can be displayed.

[0036] In this specification, installment payment may include dividing and processing a payment or remittance when payment has not been made, as well as allowing the payer to divide and process a remittance after payment has been made. For example, while FIG. 4 describes the recognition result of a receipt provided after payment has been made, it is also possible to recognize and provide the recognition result of an invoice provided when payment has not been made.

[0037] The server may then provide a link to the selected other user, selected channel, or selected medium to an installment payment page, which may provide recognition results for invoices and receipts, as well as assist the installment payment settler in making payments and transferring funds for the installment payment by payment item.

[0038] FIG. 5 is a diagram showing an example of sharing a receipt in an embodiment of the present invention. A screen 510 in FIG. 5 shows an example of an instant messenger chat room in which a user participates. When a user selects a specific chat room in the user interface 420 described in FIG. 4, a link for sharing the receipt may be provided to the chat room. Here, the link may include a link to the installment payment page described above. For example, the screen 510 in FIG. 5 may display a message 520 for notifying that a shared receipt corresponding to the installment payment page described above has been generated, and the message 520 may include a button 530 for opening the shared receipt. Such a button 530 may be set with a link to the shared receipt. In other words, when any user of the users in the chat room selects the button 530, the shared receipt may be provided to the user. This may mean that not only the person who settles the installment payment, but also everyone to whom the link is displayed can access the shared receipt.

[0039] FIG. 6 is a diagram showing an example of an installment payment page in one embodiment of the present invention. FIG. 6 shows an example of a screen 610 including an installment payment page. In screen 610, user interfaces 620-640 for selecting a payment item are shown, and an example is shown in which a visitor who visits the installment payment page selects user interface 630 corresponding to payment item 2. At this time, a first dotted frame 650 shows an example in which the settlement amount corresponding to the selected payment item (payment item 2) is calculated in real time and displayed. When a visitor selects payment item 1 and payment item 2, the settlement amount of 74,000 won may be calculated in real time and displayed in the area of ​​first dotted frame 650.

[0040] Meanwhile, the remit button 660 may be a user interface for activating a function to assist in the remittance of the settlement amount. For example, when a visitor selects the remit button 660 on the screen 610 of FIG. 6, a function for remitting 14,000 won, which is the settlement amount of the payment item 2 selected by the visitor, may be activated. In this case, the remittance or payment may be performed by a financial service linked to the installment payment service. Here, the target (recipient) of the remittance may be the seller or payer corresponding to the invoice or receipt. In other words, it is possible to remit the cost of the selected payment item to the seller when the payment has not been made, or to remit the cost of the selected payment item to the payer after the payment has been processed by the payer.

[0041] Also, the share button 670 may be an interface for activating a function that allows a user to share an invoice or receipt (receipt in the embodiment of FIG. 6) provided on the installment payment page with other users. For example, when a visitor selects the share button 670 on the screen 610 of FIG. 6, the visitor may be provided with a function to select a sharing target for the receipt, and the receipt may be provided to the selected sharing target. Here, the selected sharing target may be another user, or a channel or medium in which other users participate.

[0042] Although an embodiment of money transfer is described in FIG. 6 above, as described above, the present invention may be applied not only to money transfer but also to payment. For example, a case may be considered in which multiple users dine together at a restaurant, and then the users split the cost of the meal and pay the restaurant accordingly. The recipient or seller of such money transfer may be set by the sharers of the invoice or receipt in the process of sharing the recognition result in FIG. 4. For example, the seller may be set as the recipient of money transfer or payment by selecting the seller's official account. If no recipient is set, the payer may be set as the recipient of money transfer.

[0043] When a visitor has completed payment for their payment item, the installment payment page provided to other users may display information about the visitor processing the payment in relation to the completed payment item.

[0044] 7 is a diagram showing an example of displaying information of a settler for a payment item that has been settled in one embodiment of the present invention. FIG. 7 shows an example of a screen 710 in which a user identified as "AAA" visits the installment payment page to settle payment item 2, and then a user identified as "BBB" visits the installment payment page. In this case, if user "BBB" is the settler of the installment payment, information about the settler "AAA" who has completed the settlement may be displayed to user "BBB" in association with payment item 2, as shown in a first dotted frame 720.

[0045] When user "CCC" who is not the settler of the installment payment visits the installment payment page, the information about the settler "AAA" who has completed the payment displayed in the first dotted frame 720 may be removed or masked to protect personal information. For example, information such as the profile image and name of the settler "AAA" who has completed the payment may be displayed to user "CCC" in a masked state.

[0046] On the other hand, when the payment is divided into installments, the last settler may be required to pay the entire remaining amount for the installment. In other words, after the payment between the seller and the settler is actively and quickly completed, the remaining settlers may be allowed to add their payments, thereby encouraging quick payment on-site.

[0047] For this purpose, the reimburser may be provided with an administrator page for requesting reimbursement from another reimburser. For example, the administrator page may provide a list of captured invoices and receipts, and the user may select a particular invoice or receipt on the administrator page. In this case, the selected invoice or receipt may include a function for the user to select a particular payment item and reimbursement recipient and request the selected reimbursement recipient to reimburse expenses for the selected payment item. For example, when reimbursement of expenses is requested using such a function, the corresponding request may be transmitted to the reimbursement recipient via the server.

[0048] FIG. 8 is a flowchart showing an example of an installment payment method according to an embodiment of the present invention. The installment payment method according to the present embodiment may be executed by a computer device 200 included in a server or in communication with a server, for example. In this case, the processor 220 of the computer device 200 may be realized to execute control instructions according to the operating system code and at least one computer program code included in the memory 210. Here, the processor 220 may control the computer device 200 to execute steps 810 to 840 included in the method of FIG. 8 according to the control instructions provided by the code recorded in the computer device 200.

[0049] In step 810, the computer device 200 may recognize cost information by payment item based on an invoice or receipt related to the cost for the installment payment. For example, when one of the installment payment settlers captures an image of an invoice or receipt using his / her user terminal and transmits it to the computer device 200, the computer device 200 may analyze the received image to recognize cost information by payment item. As a more specific example, the computer device 200 may receive an image of an invoice or receipt captured by a camera of a terminal of one of the installment payment settlers, and may recognize text from the received image to extract cost information by the payment item.

[0050] In step 820, the computer device 200 may generate an installment payment page to assist the visitor in paying or transferring the expenses by payment item based on the recognized cost information by payment item. In one embodiment, the installment payment page may include a first function for selecting at least one of the payment items and a second function for requesting payment or transfer of the expenses for the at least one payment item selected by the first function. In another embodiment, the installment payment page may include a first area displaying the cost information by payment item and a second area displaying the dynamically calculated cost for payment or transfer for the selected at least one payment item when the payment item is selected.

[0051] In step 830, the computer device 200 may provide a link to the installment payment page. The installment payment settler will share this link and access the installment payment page independently to process the settlement (transfer or payment) of his / her expenses, so that the computer device 200 does not need to identify the installment payment settler and connect with each settler individually. Therefore, since there is no need to specify the installment payment settler at the beginning of the installment payment, the installment payment can be processed quickly.

[0052] In step 840, the computer device 200 may process payment or remittance of the cost for at least one payment item selected on the installment payment page by the visitor who visited the installment payment page via the link. As described with reference to the embodiment of FIG. 6, when the visitor visits the installment payment page, selects his / her own payment item, and requests remittance, the computer device 200 only needs to process remittance for the cost of the selected payment item. As described above, the object of remittance may be specified in advance, and the settlement cost is calculated in real time as the payment item is selected, so that the computer device 200 can quickly process remittance to the specified object without having to input the visitor's remittance object and settlement cost separately. This may be applied to payment processing in the same way.

[0053] In a more particular embodiment, the computing device 200 may process payment of the costs for the at least one selected payment item in association with the merchant corresponding to the invoice or receipt in step 840. In another embodiment, the computing device 200 may process remittance of the costs for the at least one selected payment item to the merchant or payer corresponding to the invoice or receipt in step 840 as a payee.

[0054] In this case, the computing device 200 may reflect the result of the visitor's payment or transfer on the installment payment page in association with at least one payment item. In other words, if a first visitor processes a payment or transfer for payment item 1, a second visitor may be provided with information that the settlement for payment item 1 has been completed. Similarly, if a second visitor processes a payment or transfer for payment item 2, a third visitor may be provided with information that the settlements for payment items 1 and 2 have been completed.

[0055] Meanwhile, the installment payment page may include a sharing function for sharing the result of the visitor's payment or remittance. In this case, the computer device 200 may respond to a sharing request using the sharing function from the visitor and transmit the result of the visitor's payment or remittance to a user selected by the visitor among users with whom the visitor has formed a personal relationship. In another embodiment, the visitor may select a channel or medium such as a chat room or a social network service, instead of a user, and in this case, the result of the payment or remittance may be transmitted to other users in a manner displayed on the corresponding channel or medium.

[0056] In this case, if the other users (for example, the user selected by the visitor) with whom the payment or transfer results are shared are not the settler of the installment payment, the visitor's payment or transfer results may be shared with the other users with at least some of the information about the visitor removed or masked.

[0057] On the other hand, when processing a payment, if the visitor who arrived at the installment payment page via the link is the last payer of the installment, the visitor may be required to pay all remaining amounts for the installment, which may be utilized to quickly process the payment on-site and then add the payment to the remaining payers.

[0058] In addition, the computer device 200 may provide an administrator page for requesting payment from the payer of the installment payment for each payment item of the installment payment. Such an administrator page may be used to process the additional payment described above or to request payment from the payer who has not yet completed the payment.

[0059] Thus, according to an embodiment of the present invention, cost information by payment item is recognized from an invoice or receipt associated with the cost for installment payment, a payment item is selected based on the cost information by payment item, and a link to an installment payment page where payment or transfer for the cost of the selected payment item can be generated and provided, thereby enabling a user who accesses the installment payment page via the link to select their own items and process payment or transfer for the cost of the selected item.

[0060] The above-described systems or devices may be realized by hardware components or a combination of hardware and software components. For example, the devices and components described in the embodiments may be realized using one or more general-purpose or special-purpose computers, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), a programmable logic unit (PLU), a microprocessor, or various devices capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications that run on the OS. The processing device may also respond to the execution of the software to access, record, manipulate, process, and generate data. For convenience of understanding, a single processing device may be described as being used, but those skilled in the art will understand that the processing device may include multiple processing elements and / or multiple types of processing elements. For example, the processing device may include multiple processors or one processor and one controller. Other processing configurations, such as parallel processors, are also possible.

[0061] The software may include computer programs, codes, instructions, or a combination of one or more of these, and may configure a processing device to operate as desired or instruct the processing device, either independently or collectively. The software and / or data may be embodied in any type of machine, component, physical device, virtual device, computer storage medium, or device to be interpreted based on the processing device or to provide instructions or data to the processing device. The software may be distributed and stored or executed in a distributed manner on computer systems connected by a network. The software and data may be stored on one or more computer-readable storage media.

[0062] The method according to the embodiment may be realized in the form of program instructions executable by various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The medium may be one that continuously records a computer-executable program, or one that temporarily records it for execution or download. The medium may be one that is a recording or storage means in the form of a single or multiple hardware devices combined, and is not limited to a medium directly connected to a certain computer system, but may be one that is distributed over a network. Examples of the medium include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and ROMs, RAMs, flash memories, and the like, which are configured to record program instructions. Other examples of the medium include recording media or storage media managed by application stores that distribute applications, or sites, servers, and the like that supply or distribute various other software. Examples of the program instructions include not only machine language codes such as those generated by compilers, but also high-level language codes that are executed by a computer using an interpreter or the like.

[0063] Although the embodiments have been described based on the limited embodiments and drawings as above, those skilled in the art will be able to make various modifications and variations from the above description. For example, the described techniques may be performed in an order different from that described, and / or the components of the described systems, structures, devices, circuits, etc. may be combined or combined in a manner different from that described, or may be replaced or substituted by other components or equivalents, and still achieve suitable results.

[0064] Therefore, different embodiments are within the scope of the appended claims provided they are equivalent to the claims. [Explanation of symbols]

[0065] 110, 120, 130, 140: Electronic equipment 150, 160: Server 170: Network

Claims

1. 1. A computer program product for causing at least one processor to execute an installment payment method, the installment payment method comprising the steps of: recognizing expense information by payment item based on invoices or receipts associated with expenses for installment payments; generating an installment payment page for facilitating payment or remittance of payment item-specific expenses based on the recognized payment item-specific expense information, the installment payment page displaying a user interface that allows a visitor of the installment payment page to select at least one payment item from a plurality of payment items displayed on the installment payment page; providing a link to the installment payment page; processing a payment or transfer of a fee for at least one payment item selected via said user interface on said installment payment page by a visitor who has visited said installment payment page via said link; A computer program comprising:

2. the installment payment page further includes a second user interface for requesting payment or remittance of a fee for at least one payment item selected via the user interface.

2. The computer program product of claim 1.

3. the installment payment page includes a first area displaying cost information by the payment item, and a second area displaying a dynamically calculated cost for payment or transfer for the at least one selected payment item.

3. A computer program according to claim 1 or 2.

4. The step of processing the payment or remittance of the fee comprises: and processing payment of the cost for the at least one selected payment item in association with a merchant corresponding to the invoice or receipt. A computer program according to any one of claims 1 to 3.

5. The step of processing the payment or remittance of the fee comprises: and processing a remittance of the cost for the at least one selected payment item to the seller or payer corresponding to the invoice or receipt as a payee. A computer program according to any one of claims 1 to 4.

6. The installment payment method includes reflecting a result of the payment or remittance of the visitor on the installment payment page in association with the at least one selected payment item.

6. A computer program according to claim 1, further comprising:

7. the installment payment page includes a sharing function for sharing the results of the visitor's payment or transfer; The installment payment method includes the steps of: responding to a sharing request from the visitor using the sharing function, and transmitting a result of the payment or remittance made by the visitor to a user selected by the visitor from among users who have formed a personal relationship with the visitor.

7. A computer program according to claim 1, further comprising:

8. The transmitting step includes: If the user selected by the visitor is not the settler of the installment payment, the result of the visitor's payment or remittance is transmitted to the user selected by the visitor with at least some information related to the visitor removed or masked from the result of the visitor's payment or remittance.

8. A computer program according to claim 7.

9. The step of recognizing cost information by payment item includes: receiving an image of the invoice or receipt captured by a camera of a terminal of one of the installment settlers; and Recognizing text from the received image to extract cost information for each payment item. A computer program according to any one of claims 1 to 8, characterised in that it comprises:

10. The step of processing the payment or remittance of the fee comprises: and if a visitor who visits the installment payment page via the link is the last settler of the installment, the visitor is requested to pay all remaining amounts for the installment. A computer program according to any one of claims 1 to 9.

11. The installment payment method includes providing an administrator page for requesting payment to a payer of the installment payment for each payment item of the installment payment.

11. A computer program according to any one of claims 1 to 10, further comprising:

12. a memory storing computer-executable instructions; and At least one processor implemented to execute said instructions. Including, by said at least one processor, Recognize expense information by payment item based on the expense for installment payment and the associated invoice or receipt; generating an installment payment page for facilitating payment or remittance of payment item-specific expenses based on the recognized payment item-specific expense information, the installment payment page displaying a user interface that allows a visitor of the installment payment page to select at least one payment item from a plurality of payment items displayed on the installment payment page; provide a link to the installment payment page; processing payment or remittance of fees for at least one payment item selected via the user interface on the installment payment page by a visitor who visits the installment payment page via the link; A computer device comprising:

13. the installment payment page further includes a second user interface for requesting payment or remittance of a fee for at least one payment item selected via the user interface.

13. The computer device of claim 12.

14. by said at least one processor, and processing payment of the cost for the at least one selected payment item in association with a merchant corresponding to the invoice or receipt.

14. Computer device according to claim 12 or 13, characterized in that

15. by said at least one processor, Processing a remittance of the cost for the at least one selected payment item to the merchant or payer corresponding to the invoice or receipt as a payee. A computer device according to any one of claims 12 to 14, characterized in that

16. by said at least one processor, reflecting a result of the visitor's payment or transfer on the installment payment page in association with the selected at least one payment item; A computer device according to any one of claims 12 to 15, characterized in that

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