Information processing terminal, information management device, display control method, information management method, and program

Abstract

To ensure that users can understand the coverage details even if they forget about the insurance included with their credit card. [Solution] The first acquisition unit 211 acquires first information regarding the insurance attached to the credit card associated with the electronic payment user U, based on an operation on the payment application related to electronic payment. The display control unit 212 displays a display based on the first information on the screen of the payment application. The operation is an operation on the insurance icon C1 for displaying information about the insurance that user U has taken out using the electronic payment account.

Description

Technical Field

[0001] The present invention relates to an information processing terminal, an information management device, a display control method, an information management method, and a program.

Background Art

[0002] Conventionally, many credit cards come with insurance (hereinafter, the insurance attached to a credit card is referred to as "attached insurance"). The compensation details of the attached insurance are recognized by the user by referring to, for example, the contract document of the credit card or the service site of the credit card. On the other hand, the user may forget the existence of the attached insurance or may not accurately recognize the compensation details of the attached insurance. Such users may suffer disadvantages such as subscribing to insurance with coverage overlapping with the attached insurance or not claiming compensation even when an event for which compensation can be received by the attached insurance occurs.

[0003] For example, the information processing device described in Patent Document 1 below presents the combined compensation details of the attached insurance for each of a plurality of cards. The information processing device can access a storage unit that stores the compensation details of the attached insurance for the card in association with card information indicating the type of the card. The information processing device acquires a plurality of card information indicating the types of a plurality of cards held by the user, and extracts a plurality of compensation detail information indicating the compensation details of the attached insurance for each of the plurality of cards from the storage unit. Then, the information processing device generates combined compensation detail information obtained by combining the plurality of compensation detail information and presents it to the user. The presentation of the combined compensation detail information is triggered when the user takes a photograph of the outer appearance image of the credit card with a camera and uploads the outer appearance image to the server (the above information processing device).

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

[0005] In the conventional technology described above, the user uploads an image of their credit card to a server to display the coverage details. Therefore, in order to use the conventional technology, the user must be aware of the existence of the supplementary insurance. However, as mentioned above, users may forget about the existence of the supplementary insurance, and in such cases, the conventional technology cannot be used, which presents a problem.

[0006] The present invention aims to enable users to understand the coverage details even if they have forgotten about the existence of insurance included with their credit card. [Means for solving the problem]

[0007] An information processing terminal according to one aspect of the present invention includes a first acquisition unit that acquires first information relating to an attached insurance for a credit card associated with a user of electronic payment based on an operation on a payment application relating to electronic payment, and a display control unit that displays a display based on the first information on the screen of the payment application.

[0008] An information management device according to one aspect of the present invention includes a second acquisition unit that acquires first information relating to the insurance attached to a credit card associated with a user, based on an operation on a payment application related to electronic payment at a user terminal used by an electronic payment user, and a transmission unit that transmits the first information to the user terminal.

[0009] A display control method according to one aspect of the present invention acquires first information relating to the insurance attached to a credit card associated with a user of electronic payment based on an operation on a payment application relating to electronic payment, and displays a display based on the first information on the screen of the payment application.

[0010] An information management method according to one aspect of the present invention acquires first information relating to the insurance attached to a credit card associated with a user, based on an operation on a payment application related to the electronic payment on a user terminal used by the user of the electronic payment, and transmits the first information to the user terminal.

[0011] A program according to one aspect of the present invention causes a computer to function as follows: a first acquisition unit that acquires first information relating to an attached insurance for a credit card associated with a user of electronic payment based on an operation on a payment application relating to electronic payment; and a display control unit that displays a display based on the first information on the screen of the payment application. [Effects of the Invention]

[0012] According to one aspect of the present invention, even if a user forgets about the existence of insurance included with their credit card, they can still understand the coverage details. [Brief explanation of the drawing]

[0013] [Figure 1] This is a block diagram showing the configuration of System 1 according to the embodiment. [Figure 2] This is a block diagram showing the configuration of user terminal 20. [Figure 3] This is a block diagram showing the configuration of the information management device 10. [Figure 4] This is a schematic diagram showing an example of a user database DB1. [Figure 5] This is a schematic diagram showing an example of the insurance database DB2. [Figure 6] This is a schematic diagram showing an example of the registered insurance database DB3. [Figure 7] This is a schematic diagram showing an example of the cardholder database DB4. [Figure 8] This is a schematic diagram showing screen G1 of the payment application. [Figure 9] This is a schematic diagram showing screen G2 of the payment application. [Figure 10]It is a schematic diagram showing the screen G3 of the settlement application. [Figure 11] It is a schematic diagram showing the screen G4 of the settlement application. [Figure 12] It is a schematic diagram showing the screen G5 of the settlement application. [Figure 13] It is a schematic diagram showing the screen G6 according to the first modification example. [Figure 14] It is a flowchart showing the operation of the processing device 103. [Figure 15] It is a schematic diagram showing the screen G7 according to the second modification example. [Figure 16] It is a schematic diagram showing the screen G8 according to the second modification example.

Mode for Carrying Out the Invention

[0014] A. Embodiment A-1. System Configuration FIG. 1 is a block diagram showing the configuration of a system 1 according to an embodiment. The system 1 includes an information management device 10 and a user terminal 20. The user terminal 20 is an example of an information processing terminal. The user terminal 20 is held by the user U. In FIG. 1, only one user terminal 20 is illustrated, but the system 1 may include a plurality of user terminals 20. The information management device 10 and the user terminal 20 are connected via a network N.

[0015] In the present embodiment, the information management device 10 manages an electronic payment service. The electronic payment service managed by the information management device 10 is distinguished from other electronic payment services and is referred to as "payment service D". The electronic payment service is, for example, a service for performing payment using the user terminal 20 when making a payment at a store or the like (an affiliated store introducing electronic payment). In the present embodiment, it is assumed that the electronic payment handled by the system 1 is code-based payment. In code-based payment, payment is executed when a payment code displayed on the user terminal 20 (see, for example, the barcode N1 shown in FIG. 8) is read by the store terminal, or when a store-specific payment code posted at the store or the like is read by the user terminal 20.

[0016] Furthermore, the information management device 10 manages information related to the insurance that user U subscribes to (hereinafter referred to as "insurance information"). For example, the information management device 10 manages insurance information associated with user U's account (account ID described later) in the payment service D.

[0017] The user terminal 20 is, for example, an information processing terminal such as a smartphone, tablet, or personal computer. In this embodiment, the user terminal 20 is assumed to be a smartphone. The user terminal 20 has a payment application installed for using payment service D.

[0018] A-2. User terminal 20 Figure 2 is a block diagram showing the configuration of the user terminal 20. The user terminal 20 comprises a display device 201, an input device 202, a camera 203, a communication device 204, a storage device 205, a processing device 206, and a bus 220 that connects these devices to each other.

[0019] The display device 201 is a display device that displays information to the outside (for example, various display panels such as liquid crystal display panels or organic EL display panels). The input device 202 is an input device that accepts input from the outside (for example, a keyboard, mouse, microphone, switch, button, or sensor). The display device 201 and the input device 202 may be configured as an integrated unit (for example, a touch panel).

[0020] Camera 203 generates an image of the area surrounding the user terminal 20. In this embodiment, camera 203 is mainly used to read the payment code of a store in code payment. Camera 203 has an imaging optical system and an image sensor. The imaging optical system is an optical system that includes at least one imaging lens. The imaging optical system may have various optical elements such as prisms, or it may have a zoom lens or a focus lens. The image sensor is, for example, a CCD (Charge Coupled Device) image sensor or a CMOS (Complementary MOS) image sensor.

[0021] The communication device 204 has an interface that can be connected to network N and communicates with other devices connected to network N using wireless or wired communication.

[0022] The storage device 205 is a recording medium that can be read by the processing unit 206. The storage device 205 includes, for example, non-volatile memory and volatile memory. Non-volatile memory is, for example, ROM (Read Only Memory), EPROM (Erasable Programmable Read Only Memory), and EEPROM (Electrically Erasable Programmable Read Only Memory). Volatile memory is, for example, RAM (Random Access Memory). The storage device 205 stores the program PG2.

[0023] Program PG2 is a program for operating the user terminal 20. Specifically, Program PG2 includes a program for operating a payment application.

[0024] Furthermore, the storage device 205 stores a group of display data HD used for screen display in the payment application. The group of display data HD includes, for example, multiple image data and text data. Each image data and text data is assigned a display data ID. The display control unit 212, described later, causes the display device 201 to display at least one of the image data and text data corresponding to the display data ID specified by, for example, the information management device 10, as the display in the payment application.

[0025] The processing unit 206 includes one or more CPUs (Central Processing Units). One or more CPUs are examples of one or more processors. Each processor and CPU is an example of a computer.

[0026] The processing unit 206 reads program PG2 from the storage device 205. By executing program PG2, the processing unit 206 functions as the first acquisition unit 211 and the display control unit 212. In this embodiment, only the functional parts of the user terminal 20 related to the display of insurance information in the payment application are described, and functional parts related to payment processing, for example, are not shown or described. The first acquisition unit 211 and the display control unit 212 may be composed of circuits such as a DSP (Digital Signal Processor), ASIC (Application Specific Integrated Circuit), PLD (Programmable Logic Device), and FPGA (Field Programmable Gate Array). Details of the first acquisition unit 211 and the display control unit 212 will be described later.

[0027] A-3. Information management device 10 Figure 3 is a block diagram showing the configuration of the information management device 10. The information management device 10 comprises a communication device 101, a storage device 102, a processing device 103, and a bus 120 that connects these devices to each other.

[0028] The communication device 101 has an interface that can connect to the network N and communicates with other terminals connected to the network N using wireless or wired communication.

[0029] The storage device 102 is a recording medium that can be read by the processing device 103. The storage device 102 includes, for example, non-volatile memory and volatile memory. Non-volatile memory is, for example, ROM, EPROM, and EEPROM. Volatile memory is, for example, RAM. The storage device 102 stores program PG1. Program PG1 is a program for operating the information management device 10.

[0030] Furthermore, the storage device 102 stores the user database DB1, the insurance subscription database DB2, the registered insurance database DB3, and the cardholder database DB4. In this embodiment, for the sake of explanation, the information management device 10 is assumed to store these databases DB1 to DB4, but at least some of these databases DB1 to DB4 may be stored in other devices (not shown) connected to the information management device 10 by the network N. In that case, the processing device 103, which will be described later, will refer to the database information stored in the other devices via the network N.

[0031] Figure 4 is a schematic diagram showing an example of user database DB1. User database DB1 stores information about user U. User database DB1 shown in Figure 4 includes user U's account ID 401 and password 402 in payment service D. User database DB1 also includes user U's name 403 and payment method 404. In addition, user database DB1 may store personal information such as user U's telephone number, email address, date of birth, and gender. Note that the account ID may be an email address or telephone number, etc.

[0032] Payment method 404 is a method of recovering money paid by electronic payment from user U. In this embodiment, user U can set at least one of the following as a payment method: "credit card payment" using a registered credit card, or "charge balance payment" where the payment amount is deducted from a pre-charged balance for each transaction. It is also possible to use points awarded for using payment service D for part or all of the payment (hereinafter referred to as "point payment"), but it is not possible to set point payment as the only payment method. User database DB1 may include history information on the acquisition and use of points by user U.

[0033] Here, credit card payments include "affiliated credit card payments," which use affiliated credit cards issued by organizations partnered with payment service D (typically the company operating payment service D), and "credit card payments," which use other credit cards. In the case of affiliated credit card payments, there are advantages such as a larger amount of points awarded for using payment service D compared to other payment methods. In this embodiment, the affiliated credit card is assumed to be a credit card issued by the company operating payment service D. Furthermore, in this embodiment, "credit card" includes "virtual cards" for which no physical card is issued.

[0034] Figure 5 is a schematic diagram showing an example of the insurance enrollment database DB2. The insurance enrollment database DB2 stores information about insurance that user U has enrolled in using an account on payment service D. The insurance enrollment database DB2 includes account ID 501, insurance name 502, and insurance details 503. Account ID 501 is user U's account ID on payment service D and corresponds to account ID 401 in Figure 4.

[0035] Insurance name 502 is the name of the insurance policy subscribed to by user U, identified by account ID 501. For example, user U, whose account ID 501 is "U0001", has subscribed to "automobile insurance" and "extended warranty" for products purchased using payment service D, using their account on payment service D. "Extended warranty" is insurance attached to products purchased by user U using payment service D. More specifically, for example, when purchasing electrical appliances, there is generally a free warranty period from the manufacturer, but sometimes the store where the purchase was made offers its own extended warranty free of charge, or it can be purchased as an extended warranty for a fee. Information on such extended warranties is registered in the insurance subscription database DB2.

[0036] Insurance Details 503 provides information regarding the insurance contract. Specifically, Insurance Details 503 includes, for example, the name of the insurance provider, the monthly (or annual) premium, the name of the policyholder, the contract period, the events covered, the compensation amount, and the compensation conditions.

[0037] Figure 6 is a schematic diagram showing an example of the registered insurance database DB3. The registered insurance database DB3 stores information about insurance registered by user U. The information registered in the registered insurance database DB3 is, for example, information about insurance that user U has taken out without using an account for payment service D. User U registers the information for the purpose of centrally managing the information about the insurance they have taken out on the payment application.

[0038] Information can be registered in the registered insurance database DB3, for example, by user U themselves entering the necessary items while looking at their insurance policy, etc. Alternatively, information can be registered in the registered insurance database DB3, for example, by user U uploading an image of their insurance policy and performing OCR (Optical Character Recognition) processing on the text in the image, or by a person (such as a payment service provider) visually entering the text in the image.

[0039] The registered insurance database DB3 contains account ID 601, insurance name 602, and insurance details 603. Since the content of this information is the same as that of account ID 501, insurance name 502, and insurance details 503 in the insurance database DB2, a detailed explanation is omitted.

[0040] Figure 7 is a schematic diagram showing an example of the cardholder database DB4. The cardholder database DB4 stores information about the cardholders of affiliated credit cards. As mentioned above, since affiliated credit cards are credit cards issued by the company that operates payment service D, the information management device 10 holds information about the cardholders of affiliated credit cards. The cardholder database DB4 includes account ID 701, card number 702, expiration date 703, and card type 704.

[0041] Account ID 701 is the account ID of user U in payment service D, and corresponds to account ID 401 in Figure 4. Card number 702 indicates the card number of the affiliated credit card held by user U, identified by account ID 701. Expiration date 703 indicates the expiration date of the affiliated credit card. Card type 704 indicates the card type of the affiliated credit card. In this embodiment, there are two types of card type 704: "standard card" (indicated as "standard") and "gold card" (indicated as "gold"). Generally, differences between a standard card and a gold card include, for example, the presence or absence of an annual fee, differences in the point accrual rate for usage, and differences in the coverage of the insurance provided by the affiliated credit card.

[0042] The processing unit 103 includes one or more CPUs. One or more CPUs are examples of one or more processors. Each of the processors and CPUs is an example of a computer. The processing unit 103 functions as a second acquisition unit 111 and a transmission unit 112 by executing the program PG1. In this embodiment, only the functional parts of the information management device 10 related to the display of insurance information in the payment application are described, and functional parts related to payment processing, for example, are not shown or described. At least a part of the second acquisition unit 111 and the transmission unit 112 may be composed of circuits such as DSPs, ASICs, PLDs, and FPGAs. Details of the second acquisition unit 111 and the transmission unit 112 will be described later.

[0043] A-4. Details of processing units 103 and 206 Next, the functions of the processing units 103 and 206 will be described in detail, referring to the screen display on the user terminal 20. The content of the screen display shown below is just one example, and various other display configurations may be adopted in addition to the illustrated configuration.

[0044] Figure 8 is a schematic diagram showing screen G1 of the payment application. When user U launches the payment application and is logged into their payment service D account, screen G1 shown in Figure 8 is displayed. Screen G1 can also be called the home screen of the payment application. Generally, applications used on user terminal 20 may omit login each time they are used (maintain the logged-in state) in order to allow for quick start of use. Therefore, for example, if user U uses the payment application frequently, it is highly likely that the logged-in state is maintained and user U is logged in. On the other hand, for example, when user U launches the payment application on user terminal 20 for the first time, user U is not logged in and needs to log in themselves. Also, for example, if a certain period of time has passed since the last use of the payment application, the logged-in state may be canceled. If user U is not logged in, a login screen (not shown) will be displayed, and user U will perform the login operation.

[0045] Screen G1 displays a payment barcode N1, a point balance N2 showing the balance of points awarded to user U for using payment service D, a point usage switching interface N3 to switch whether or not to use points when making a payment, a reading icon N4 for reading a code displayed in the store, a charge icon N5 for charging the balance, a usage history icon N6 for checking the usage history of payment service D, a display switching interface N7 for switching the display to a point card, and a fixed display section N8 that remains displayed even when the screen is scrolled.

[0046] Figure 9 is a schematic diagram showing screen G2 of the payment application. When user U scrolls screen G1 downwards, the screen located below the reading icon N4, charge icon N5, and transaction history icon N6 shown in Figure 8 is displayed on the display device 201. The fixed display unit N8 is fixed in the same position as screen G1. Screen G2 displays campaign information N9 and a group of icons N10 for realizing various functions in the payment application.

[0047] Among the icon group N10, the "Guide" icon is used to display instructions on how to use the payment application. The "Send Money" icon is used to send money to other users U using the payment application. The "Limit" icon is used to set the upper limit for payments made using the payment application. The "Invest" icon is used to make investments using the points mentioned above. The "List" icon is used to display a list of various functions of the payment application, including the functions shown in icon group N10. In addition, among the icon group N10, the insurance icon C1 is used to perform insurance-related functions (hereinafter referred to as "insurance functions").

[0048] Figure 10 is a schematic diagram showing screen G3 of the payment application. When user U taps the insurance icon C1, screen G3 related to insurance functions is displayed on the display device 201. In this embodiment, the insurance functions include an insurance management function, an insurance sharing function, an insurance search function, and an insurance enrollment function. Screen G3 includes an insurance management information display unit N11, an insurance sharing information display unit N12, and an insurance search information display unit N13.

[0049] The insurance management function aggregates and manages information about the insurance policies that User U has. Using this function, User U can, for example, check whether there are any overlaps or deficiencies in the coverage of their insurance policies. The insurance sharing function is primarily for sharing information about insurance policies between User U and their family. The insurance search function allows User U to search for insurance policies that suit their needs. User U can then complete the insurance application process for the displayed search results via the payment application (insurance application function). Additionally, Users can book consultations with insurance experts, such as financial planners, via the payment application. The following sections will primarily focus on the insurance management function.

[0050] On screen G3, the Terms of Use Confirmation Button C2 is displayed in the Insurance Management Information Display Unit N11. When User U taps the Terms of Use Confirmation Button C2, the Terms of Use for the insurance management function (including the terms regarding the handling of personal information) are displayed. Once User U confirms the Terms of Use, the insurance management function becomes enabled.

[0051] Figure 11 is a schematic diagram showing screen G4 of the payment application. When user U taps the insurance icon C1, insurance information C3 and C4 related to the insurance that user U has subscribed to are displayed on the insurance management information display unit N11. The insurance information displayed on the insurance management information display unit N11 is, for example, insurance that was subscribed to using the insurance subscription function. If the insurance was subscribed to using the insurance subscription function, the information management device 10 can grasp the details of the coverage and application conditions of the insurance. In addition, the insurance information displayed on the insurance management information display unit N11 is, for example, the supplementary insurance of a co-branded credit card held by user U. As described above, since the information management device 10 holds a cardholder database DB4 (information of co-branded credit card subscribers), it can grasp the status of each user U's co-branded credit card and display information related to supplementary insurance.

[0052] For example, insurance information C3 shows the insurance information for the automobile insurance that user U purchased using the insurance enrollment function of the payment application. Insurance information C3 displays the type of insurance (automobile insurance), the monthly premium (13,007 yen per month), and the expiration date (2024 / 10 / 01).

[0053] For example, Insurance Information C4 shows the insurance information for the affiliated credit card held by User U. Insurance Information C4 displays the type of insurance (card-attached insurance), the name of the credit card (DD Gold Card), and the card expiration date corresponding to the maturity date (2027 / 09).

[0054] Thus, when the insurance icon C1 is tapped, insurance information C3 and C4 related to the insurance policy that user U has subscribed to is displayed. Therefore, the insurance icon C1 can be rephrased as an icon that displays information about the insurance policy that user U has subscribed to using an electronic payment account.

[0055] In addition, the insurance information displayed on the insurance management information display unit N11 may include, for example, insurance attached to goods purchased by user U using payment service D. More specifically, when purchasing electrical appliances, for example, there is generally a free warranty period from the manufacturer. Furthermore, when purchasing electrical appliances, store-specific extended warranties may be included free of charge, or store-specific extended warranties may be available for a fee. Since the information management device 10 can acquire the purchase history of goods using payment service D, it may, with the consent of user U, display the insurance attached to goods purchased using payment service D on the insurance management information display unit N11.

[0056] Figure 12 is a schematic diagram showing screen G5 of the payment application. For example, when user U swipes insurance information C4 to the left, insurance information C7, located to the right of insurance information C4, is displayed. Insurance information C7 is information about the extended warranty that user U purchased when buying a personal computer (PC). Insurance information C7 includes information such as the name of the product covered by the warranty (PC), the purchase date (2023 / 12 / 21), and the warranty period (5 years).

[0057] As described above, in this embodiment, insurance information related to the insurance policy subscribed to by user U is displayed on the payment application, as shown in screens G1 to G5 in Figures 7 to 12. Therefore, user U can check the coverage details and application conditions of the insurance policy they subscribe to on a daily basis. This helps prevent, for example, missed claims for insurance benefits from their current policy, and allows them to easily review their insurance policy in response to changes in their life stage.

[0058] The displays shown on screens G1 to G5 in Figures 7 to 12 are realized by the functional units of the processing unit 206 of the user terminal 20 and the processing unit 103 of the information management device 10. First, the first acquisition unit 211 and the display control unit 212, which are realized by the processing unit 206 of the user terminal 20, will be described.

[0059] The first acquisition unit 211 acquires information about the insurance that user U of payment service D has subscribed to, based on operations on the payment application related to payment service D. In this embodiment, the information about the insurance that user U has subscribed to is, for example, the following first information, second information, and third information. User U may be able to choose which of the first information, second information, and third information to acquire.

[0060] The first acquisition unit 211 acquires first information regarding the insurance attached to the credit card associated with user U of payment service D, based on an operation on the payment application related to payment service D. The above operation is an operation on the insurance icon C1 for displaying information about the insurance that user U has. The insurance icon C1 is an example of a display instruction unit for displaying information about the insurance that user U has.

[0061] When the insurance icon C1 is tapped, the first acquisition unit 211 sends a request to the information management device 10 to transmit insurance information for the affiliated credit card's supplementary insurance associated with user U (more specifically, user U's account ID). Since user U logs in to payment service D when starting to use the payment application, the transmission request includes information that can identify user U (e.g., account ID).

[0062] The display control unit 212 displays information based on the first information on the payment application screen. Specifically, the display control unit 212 displays the insurance information C4 of screen G4 shown in Figure 11 on the display device 201. Insurance information C4 is an example of a display based on the first information.

[0063] In addition, the first acquisition unit 211 acquires second information relating to the insurance that user U has subscribed to using the payment service D account, in addition to the first information. The first acquisition unit 211 sends a request to the information management device 10 to transmit insurance information relating to the insurance that user U has subscribed to using the insurance subscription function (in this embodiment, for example, automobile insurance).

[0064] When the second information is acquired, the display control unit 212 displays the information based on the first information and the information based on the second information on the payment application screen. Specifically, the display control unit 212 displays the insurance information C3 and C4 of screen G4 shown in Figure 11 on the display device 201. Insurance information C3 is an example of the display based on the second information.

[0065] In addition, the first acquisition unit 211 acquires third information regarding the warranty of the product purchased by user U using payment service D, in addition to the first information. In this case, the first acquisition unit 211 sends a request to the information management device 10 to transmit information regarding the warranty of the product purchased by user U using payment service D.

[0066] When the third piece of information is acquired, the display control unit 212 displays both the display based on the first piece of information and the display based on the third piece of information on the payment application screen. Specifically, the display control unit 212 displays the insurance information C4 and C7 of screen G5 shown in Figure 12 on the display device 201. Insurance information C7 is an example of a display based on the third piece of information.

[0067] Next, the second acquisition unit 111 and the transmission unit 112, which are implemented by the processing unit 103 of the information management device 10, will be described.

[0068] The second acquisition unit 111 acquires first information regarding the insurance attached to the credit card associated with user U, based on operations performed on the payment application related to payment service D on the user terminal 20 used by user U of payment service D. As described above, operations on the payment application refer to operations on the insurance icon C1 on the user terminal 20. When the insurance icon C1 is tapped, a request to send the first information is sent from the user terminal 20. Based on the account ID of user U included in the request to send, the second acquisition unit 111 refers to the cardholder database DB4 shown in Figure 7 and checks whether user U holds a co-branded credit card. If user U holds a co-branded credit card, the second acquisition unit 111 acquires information such as the card type and expiration date of the co-branded credit card as the first information.

[0069] Similarly, when the second acquisition unit 111 receives a request to transmit insurance information (second information) related to insurance that user U has subscribed to using the insurance subscription function, it refers to the subscription insurance database DB2 shown in Figure 5 based on user U's account ID included in the transmission request and checks whether or not there is insurance that user U has subscribed to using the insurance subscription function. If there is insurance that user U has subscribed to using the insurance subscription function, the second acquisition unit 111 obtains information about that insurance from the registered insurance database DB3 as second information.

[0070] Similarly, when the second acquisition unit 111 receives a request from user U to transmit information (third information) regarding the warranty of a product purchased using payment service D, it refers to the insurance database DB2 shown in Figure 5 based on user U's account ID included in the transmission request and checks whether or not the product purchased using payment service D includes an extended warranty. If the product purchased using payment service D includes a warranty, the second acquisition unit 111 retrieves the information regarding the extended warranty from the registered insurance database DB3 as third information.

[0071] The transmitting unit 112 transmits the first information to the user terminal 20. Furthermore, if at least one of the second and third pieces of information is acquired, the transmitting unit 112 transmits the first information along with at least one of the second and third pieces of information to the user terminal 20.

[0072] A-5. Flowchart Figure 14 is a flowchart showing the operation of the processing unit 103. The flowchart in Figure 14 mainly shows operations related to the display of insurance information and does not include operations such as payment using payment service D.

[0073] The processing unit 103 waits until the payment application is launched by user U (step S100: NO). Once the payment application is launched (step S100: YES), the processing unit 103 determines whether user U is logged into an account for payment service D (step S101).

[0074] If user U is not logged into the account (step S101: NO), the processing unit 103 functions as a display control unit 212 and displays a login screen prompting the user to log in to the account on the user terminal 20 (step S102). After that, the processing unit 103 returns to step S101.

[0075] If user U is already logged into the account (step S101: YES), the processing unit 103 functions as a display control unit 212 and displays the home screen of the payment application (for example, screen G1 in Figure 7) on the display device 201 (step S103). The processing unit 103 waits until user U scrolls through the home screen or otherwise selects (taps) the insurance icon C1 on the home screen (step S104: NO).

[0076] When user U selects the insurance icon C1 (step S104: YES), the processing unit 103 functions as the first acquisition unit 211 and acquires insurance information from the information management device 10 (step S105). The processing unit 103 functions as the display control unit 212 and displays the insurance information acquired in step S105 on the display device 201 (step S106, for example, screens G4 in Figure 11 to screen G5 in Figure 12). The content of the insurance information displayed on the display device 201 is switched by user U's operation (for example, swiping on screen G4 in Figure 11). After that, the processing unit 103 terminates the processing of this flowchart.

[0077] A-6. Summary of Embodiments As described above, the user terminal 20 in this embodiment acquires first information regarding the insurance coverage of the credit card based on operations performed on the payment application, and displays a display based on the first information on the payment application screen. Therefore, user U can check the insurance coverage of their credit card on the payment application, improving user U's convenience.

[0078] Furthermore, the user terminal 20 acquires second information regarding the insurance that user U has purchased using their electronic payment account, and displays both the display based on the first information and the display based on the second information on the payment application screen. Therefore, user U can check information about other insurance policies they have purchased, along with the insurance information attached to their credit card, on the payment application, making it easy to check whether there is any overlap or deficiency in their coverage.

[0079] Furthermore, the user terminal 20 acquires third-party information regarding the warranty of the product purchased by user U using electronic payment, and displays both the information based on the first-party information and the information based on the third-party information on the payment application screen. Therefore, user U can check the warranty information for the product purchased using electronic payment, along with the information on the insurance attached to the credit card, making it easy to confirm whether there is any overlap or deficiency in the coverage.

[0080] B: Modification The following are examples of modifications in the above-described embodiment. Two or more modifications selected from the following examples may be combined as appropriate, provided they do not contradict each other.

[0081] B1: First variation In the embodiment described above, insurance information was displayed within the insurance function of the payment application (when the insurance icon C1 was selected). However, the invention is not limited to this; for example, when a payment is made using the payment application, insurance information related to the purchased items in that payment may also be displayed.

[0082] Figure 13 is a schematic diagram showing screen G6 in the first modified example. Screen G6 shows the payment completion screen when a payment for a hotel reservation is made using a payment application. Screen G6 displays a payment details confirmation display N21 showing the payee, payment amount, and points to be awarded for this payment. In the illustrated example, the payment is for accommodation charges at the time of hotel reservation (or stay).

[0083] At the bottom of screen G6, along with a warning C9 that reads "Insurance information is available," insurance information C8 of the insurance provided by the credit card held by user U is displayed. This is because the insurance provided by the credit card held by user U includes domestic travel insurance, and this domestic travel insurance may be applicable to the trip involving accommodation for which payment was made. If the conditions for using the credit card's insurance include "purchasing goods using the said credit card," then the insurance information C8 may be displayed only if the said credit card is set as the payment method for payment service D.

[0084] Thus, in the first modified example, the operation of the payment application is an operation related to the purchase of goods covered by the insurance provided with the credit card. The display control unit 212 displays first information regarding the insurance provided with the credit card on the screen related to the purchase of goods. If the insurance is domestic or overseas travel insurance, the goods may include not only the hotel accommodation fees mentioned above, but also the cost of package tours, air tickets or tickets for transportation such as bullet trains, etc. Furthermore, if the credit card includes purchase protection insurance, insurance information may be displayed each time a payment is made in the payment application.

[0085] According to the first modified example, when purchasing a product, user U can check the information about the credit card's accompanying insurance related to the product on the payment application, thus enabling them to make more effective use of the credit card's accompanying insurance.

[0086] B2: Second variation In the embodiment described above, for example, the insurance information C3 and C4 shown in Figure 11 were displays showing an overview of the insurance that user U is subscribed to. In addition to this, details of the insurance that user U is subscribed to may also be displayed.

[0087] Figure 15 is a schematic diagram showing screen G7 in the second modified example. In the second modified example, when user U taps insurance information C4 shown in Figure 11, insurance information C5 showing the details of the insurance attached to the credit card is displayed. Insurance information C5 includes card information C5A and coverage details information C5B. Card information C5A displays the card name (DD Card / Gold), card number (indicated by x in the diagram), and expiration date (2027 / 9) of the credit card to which the insurance is attached. Coverage details information C5B displays the type of coverage. In the example in Figure 15, coverage details information C5B displays "Domestic Travel Insurance," "Overseas Travel Insurance," "Purchased Item Protection Insurance," and "Mobile Device Insurance."

[0088] Figure 16 is a schematic diagram showing screen G8 in the second modified example. The text indicating each item name (e.g., "Domestic Travel Insurance") in the compensation details information C5B shown in Figure 15 is a link, and tapping the item name displays detailed information C6 of the insurance content indicated by the item name. Figure 16 shows the screen displayed when "Domestic Travel Insurance" in Figure 15 is tapped. The detailed information C6 includes "covered items" indicating what events the insurance payment will be made for, and the "insurance amount" to be paid for the covered items. The detailed information may also include information such as the person covered, the period of coverage, and the conditions for applying the coverage.

[0089] In the second modification, for example, the cardholder database DB4 includes information on the coverage details of the supplementary insurance for both standard cards and gold cards. The first acquisition unit 211 acquires information on the coverage details corresponding to the type of affiliated credit card held by user U by reading it from the cardholder database DB4, as part of the first information.

[0090] According to the second modification, the user U can check detailed information about the insurance they are subscribing to on the payment application, thus further improving user convenience.

[0091] C: Other (1) In the embodiments described above, ROM and RAM were given as examples of storage devices 102 and 205, but storage devices 102 and 205 may be flexible disks, magneto-optical disks (e.g., compact disks, digital multipurpose disks, Blu-ray® disks), smart cards, flash memory devices (e.g., cards, sticks, key drives), CD-ROMs (Compact Disc-ROMs), registers, removable disks, hard disks, floppy® disks, magnetic strips, databases, servers, or other suitable storage media.

[0092] (2) In the embodiments described above, the information, signals, etc. may be represented using any of the various different techniques. For example, the data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be mentioned throughout the above description may be represented by voltage, current, electromagnetic waves, magnetic fields or magnetic particles, optical fields or photons, or any combination thereof.

[0093] (3) In the embodiments described above, the input and output information may be stored in a specific location (e.g., memory) or managed using a management table. The input and output information may be overwritten, updated, or appended to. The output information may be deleted. The input information may be transmitted to other devices.

[0094] (4) In the embodiments described above, the determination may be made by a value represented by 1 bit (0 or 1), by a boolean value (true or false), or by a numerical comparison (for example, a comparison with a predetermined value).

[0095] (5) The processing procedures, sequences, flowcharts, etc., exemplified in the embodiments described above may be reordered, as long as they do not contradict each other. For example, in the methods described herein, the elements of various steps are presented using an exemplary order and are not limited to the specific order presented.

[0096] (6) Each function illustrated in Figures 2 and 3 is implemented by any combination of at least one of hardware and software. Furthermore, the method of implementing each function block is not particularly limited. That is, each function block may be implemented using one device that is physically or logically coupled, or it may be implemented using two or more physically or logically separated devices that are directly or indirectly connected (for example, using wired, wireless, etc.). A function block may also be implemented by combining the one or more devices with software.

[0097] (7) The programs illustrated in the embodiments described above should be broadly interpreted to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, execution threads, procedures, functions, etc., whether they are called software, firmware, middleware, microcode, hardware description languages ​​or by other names.

[0098] Furthermore, software, instructions, information, etc., may be transmitted and received via a transmission medium. For example, if software is transmitted from a website, server, or other remote source using at least one of wired technology (such as coaxial cable, fiber optic cable, twisted pair, or digital subscriber line (DSL)) and wireless technology (such as infrared or microwave), then at least one of these wired and wireless technologies is included in the definition of a transmission medium.

[0099] (8) In each of the above-mentioned forms, the terms “system” and “network” shall be used interchangeably.

[0100] (9) The information, parameters, etc. described in this disclosure may be expressed using absolute values, relative values ​​from a given value, or other corresponding information.

[0101] (10) In the embodiments described above, the portable device may be a Mobile Station (MS). A Mobile Station may also be referred to by those skilled in the art as a subscriber station, mobile unit, subscriber unit, wireless unit, remote unit, mobile device, wireless device, wireless communication device, remote device, mobile subscriber station, access terminal, mobile terminal, wireless terminal, remote terminal, handset, user agent, mobile client, client, or several other appropriate terms. In this disclosure, terms such as “Mobile Station,” “User Terminal,” “User Equipment (UE),” and “Terminal” may be used interchangeably.

[0102] (11) In the embodiments described above, the terms “connected,” “coupled,” or any variation thereof, mean any direct or indirect connection or coupling between two or more elements, and may include the presence of one or more intermediate elements between two elements that are “connected” or “coupled” with each other. The coupling or connection between elements may be physical, logical, or a combination thereof. For example, “connection” may be read as “access.” As used in this disclosure, two elements may be considered to be “connected” or “coupled” with each other using at least one of one or more wires, cables, and printed electrical connections, and, in some non-limiting and non-exclusive examples, electromagnetic energy having wavelengths in the radio frequency domain, microwave domain, and optical (both visible and invisible) domain.

[0103] (12) In the embodiments described above, the phrase “based on” does not mean “based solely on” unless otherwise specified. In other words, the phrase “based on” means both “based solely on” and “based at least on.”

[0104] (13) The terms “determining” and “determining” as used in this disclosure may encompass a wide variety of actions. “Determining” may include, for example, judging, calculating, computing, processing, deriving, investigating, looking up, searching, inquiry (e.g., searching in a table, database or other data structure), ascertaining, etc. “Determining” may also include receiving (e.g., receiving information), transmitting (e.g., sending information), input, output, accessing (e.g., accessing data in memory), etc. Furthermore, "judgment" and "decision" can include considering something as having been "judged" or "decided" after resolving, selecting, choosing, establishing, comparing, etc. In other words, "judgment" and "decision" can include considering something as having been "judged" or "decided" after some action. Also, "judgment (decision)" can be reinterpreted as "assuming," "expecting," "considering," etc.

[0105] (14) Where the terms “include,” “including,” and variations thereof are used in the embodiments described above, these terms are intended to be inclusive, as is the term “comprising.” Furthermore, the term “or” as used in this disclosure is not intended to be exclusive OR.

[0106] (15) Where articles are added in translation, for example, a, an, and the in English, the disclosure may include the fact that the noun following these articles is plural.

[0107] (16) In this disclosure, the term “A and B are different” may mean “A and B are different from each other.” The term may also mean “A and B are each different from C.” Terms such as “separate” and “combine” may be interpreted in the same way as “different.”

[0108] (17) Each aspect / embodiment described herein may be used individually, in combination, or switched between as needed in practice. Furthermore, notification of certain information (e.g., notification that "X is") is not limited to explicit notification, but may also be implicit (e.g., by not providing such notification). [Explanation of Symbols]

[0109] 1...System, 10...Information management device, 20...User terminal, 101...Communication device, 102...Storage device, 103...Processing device, 111...Second acquisition unit, 112...Transmission unit, 201...Display device, 202...Input device, 203...Camera, 204...Communication device, 205...Storage device, 206...Processing device, 211...First acquisition unit, 212...Display control unit, N...Network, U...User.

Claims

1. A first acquisition unit acquires first information regarding the insurance attached to a credit card associated with the user of the electronic payment, based on operations performed on a payment application related to electronic payments. A display control unit that displays information based on the first information on the screen of the payment application, An information processing terminal equipped with the following features.

2. The aforementioned operation is an operation on a display instruction unit for displaying information about the insurance policy the user has subscribed to, The first acquisition unit acquires, in addition to the first information, second information relating to the insurance that the user has subscribed to using the electronic payment account. The display control unit displays a display based on the first information and a display based on the second information on the screen of the payment application. The information processing terminal according to claim 1.

3. The first acquisition unit acquires, in addition to the first information, third information relating to the warranty of the product purchased by the user using the electronic payment method. The display control unit displays a display based on the first information and a display based on the third information on the screen of the payment application. The information processing terminal according to claim 1.

4. The aforementioned operation is an operation relating to the purchase of goods covered by the supplementary insurance, The display control unit displays a display based on the first information on the screen related to the purchase of the product. The information processing terminal according to claim 1.

5. A second acquisition unit acquires first information regarding the insurance attached to a credit card associated with a user, based on operations performed on the payment application related to the electronic payment on a user terminal used by the user of the electronic payment; A transmitting unit that transmits the first information to the user terminal, An information management device equipped with the following features.

6. Based on operations performed on a payment application related to electronic payments, first information regarding the insurance attached to a credit card associated with the user of the electronic payment is obtained. Display the information based on the first information on the screen of the payment application. Display control method.

7. Based on the operation of the payment application related to the electronic payment on the user terminal used by the user of the electronic payment, first information regarding the insurance attached to the credit card associated with the user is obtained. The first information is transmitted to the user terminal. Information management method.

8. A first acquisition unit acquires first information regarding the insurance attached to a credit card associated with the user of the electronic payment, based on operations performed on a payment application related to electronic payments. A display control unit that displays information based on the first information on the screen of the payment application, A program that makes a computer function.

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