DISPLAY CONTROL SYSTEM, DISPLAY CONTROL METHOD, AND PROGRAM

Abstract

To simplify the management of credit card information.SOLUTION: Acquisition means (101) of a display control system (S) acquires credit card information on each of multiple credit cards associated with user identification information. Display control means (102) displays a card screen regarding a display target card, on the basis of credit card information of the display target card, which is one of the multiple credit cards. Receiving means (103) receives a direction operation for indicating a predetermined direction when the card screen is displayed. The card screen switches the display target card when receiving the direction operation.SELECTED DRAWING: Figure 3

Description

[Technical field]

[0001] The present disclosure relates to a display control system, a display control method, and a program. [Background technology]

[0002] Conventionally, there are known techniques for displaying a card screen related to a user's card. Patent Document 1 describes a technique for switching a membership card to be displayed on a card screen from among a plurality of membership cards held by a user. Patent Document 2 describes a technique for displaying on a card screen workout history information corresponding to a card selected from a plurality of cards. Patent Document 3 describes a technique for displaying on a card screen a vocabulary card selected from a plurality of vocabulary cards. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2017-126128 A [Patent Document 2] JP 2018-84888 A [Patent Document 3] JP 2016-115336 A Summary of the Invention [Problem to be solved by the invention]

[0004] An example of such a card is a credit card. When multiple pieces of card information are associated with user identification information, the amount of card information that the user must manage increases, and therefore there is a demand for simplifying the management of card information. However, the technologies of Patent Documents 1-3 are based on the premise that card screens of cards other than credit cards are displayed, and therefore cannot simplify the management of card information.

[0005] One of the objectives of this disclosure is to simplify the management of card information. [Means for solving the problem]

[0006] The display control system of the present disclosure includes an acquisition means for acquiring credit card information for each of a plurality of credit cards associated with user identification information, a display control means for displaying a card screen for a card to be displayed that is any one of the plurality of credit cards based on the credit card information of the card, and a reception means for receiving a direction instruction operation for indicating a predetermined direction when the card screen is displayed, and the card screen switches the card to be displayed when the direction instruction operation is received. Effect of the Invention

[0007] According to the present disclosure, the management of card information can be simplified. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of an overall configuration of a display control system. [Diagram 2] FIG. 13 is a diagram showing an example of a screen displayed on a display unit of a user terminal. [Diagram 3] FIG. 2 is a functional block diagram showing an example of functions realized by the display control system. [Figure 4] FIG. 4 is a diagram illustrating an example of a user database. [Diagram 5] FIG. 4 is a flow chart illustrating an example of processing executed by the display control system. [Figure 6] FIG. 13 is a diagram showing an example of how the usage status of optional services is displayed on a home screen. [Figure 7] FIG. 13 is a diagram showing an example of a display order of optional services in a semi-modal home screen. [Figure 8] FIG. 13 is a diagram showing an example of how an alert is displayed on a home screen. [Figure 9] FIG. 1 illustrates an example of alerts associated with individual credit cards. [Figure 10] FIG. 13 is a diagram showing an example of how the last display area is displayed by a swipe operation. [Figure 11] 13A and 13B are diagrams illustrating an example of switching the display month of a display target card on a home screen. [Figure 12] FIG. 13 is a diagram showing an example of settings for switching the displayed month on the home screen. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] [1. Overall configuration of the display control system] An example of an embodiment of a display control system according to the present disclosure will be described. Fig. 1 is a diagram showing an example of the overall configuration of a display control system. The display control system S includes a server 10 and a user terminal 20. The network N is any network such as the Internet or a LAN. The display control system S is not limited to the example of Fig. 1 as long as it includes at least one computer.

[0010] The server 10 is a server computer. The control unit 11 includes at least one processor. The storage unit 12 includes a volatile memory such as a RAM and a non-volatile memory such as a hard disk. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

[0011] The user terminal 20 is a user's computer. For example, the user terminal 20 is a smartphone, a tablet terminal, a wearable terminal, or a personal computer. The physical configurations of the control unit 21, the storage unit 22, and the communication unit 23 are similar to those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The operation unit 24 is an input device such as a touch panel. The display unit 25 is a liquid crystal display or an organic EL display.

[0012] The programs or data stored in each of the storage units 12 and 22 may be supplied via the network N. Also, the programs or data stored in a computer-readable information storage medium may be supplied via a reading unit (e.g., an optical disk drive or a memory card slot) for reading the information storage medium, or an input / output unit (e.g., a USB port) for inputting and outputting data to and from an external device.

[0013] [2. Overview of the display control system] In this embodiment, an example is taken of a case where a user who holds multiple credit cards issued by a certain card company uses the online service of this card company. For example, the online service provides any service such as checking the usage status of each credit card, changing the payment method, changing the available credit limit, changing registered information, or cash advance. The user accesses a server 10 managed by the card company with a user terminal 20 to use the online service.

[0014] 2 is a diagram showing an example of a screen displayed on the display unit 25 of the user terminal 20. In this embodiment, a case will be described in which each screen is displayed on an application (hereinafter, card app) provided by a card company, but each screen may also be displayed on a browser. For example, when the user terminal 20 is started up, a menu screen G1 of the user terminal 20 is displayed on the display unit 25. When the user selects the card app icon i10, the card app installed in the user terminal 20 is started up.

[0015] In this embodiment, it is assumed that the user has registered to use the online service and has been issued a user ID and password. When the card application is launched, the user is requested to enter a user ID and password. If the user has previously logged in, predetermined authentication information may be recorded in the user terminal 20, and this authentication information may be used to omit the entry of the user ID and password. Various methods may be used for the login itself, and biometric authentication may be used, for example.

[0016] When login to the online service is successful, the home screen G2A of the card application is displayed on the display unit 25. In FIG. 2, the home screens are distinguished by adding an alphabet to the end of the reference numeral, such as home screens G2A, G2B, and G2C. When there is no need to distinguish between them, they are simply referred to as home screen G2, and the alphabet at the end of the reference numeral is omitted. This also applies to the modified example described below. The home screen G2 is the first screen displayed when the card application is started (the so-called first view). For example, the home screen G2A includes an information display area a20 for displaying information related to the card to be displayed.

[0017] The display target card is a credit card for which some information is to be displayed on the home screen G2. For example, the display target card is any of a plurality of credit cards owned by the user. As in the home screen G2A, when the card application is just started up, the first (default) credit card is set as the display target card. The first credit card may be any credit card, for example, the credit card displayed when the card application was last started up, the credit card specified by the user, the credit card with the earliest registration date and time, or the credit card with the highest usage amount.

[0018] Any information related to the displayed card can be displayed in the information display area a20. In the example of FIG. 2, the usage status of the displayed card for this month is displayed in the information display area a20. Here, this month is the month in which the home screen G2 is displayed, which is August 2021 in the example of FIG. 2. For example, the information display area a20 displays information such as the payment date, an image of the card face, the card name, the brand name, part of the card number, whether this month's payment has been confirmed, this month's usage amount, the date this month's payment has been confirmed, and the deadline for changing this month's payment method.

[0019] When the user selects the button b200, the detailed usage statement of the card to be displayed is displayed on the display unit 25. In the detailed usage statement, not only the current month's usage statement but also any past month's usage statement can be displayed. The available balance of the card to be displayed and a gauge g21 indicating the ratio of the usage amount to the available limit of the card to be displayed are displayed below the information display area a20. The available limit is the upper limit of the total amount that can be used with the card to be displayed. When the user selects the button b22, the usage amount in the information display area a20 and the available balance and gauge g21 below it are switched between being displayed / hidden. Other information such as a button for increasing the available limit of the card to be displayed is also displayed on the home screen G2.

[0020] In this embodiment, the user can switch the display target card by performing a horizontal (lateral) swipe operation on the information display area a20. The area that accepts the swipe operation for switching the display target card may be all or a part of the home screen G2, and is not limited to the information display area a20. For example, the swipe operation may be accepted on an area including the top, bottom, left, and right of the information display area a20, or the swipe operation may be accepted on the entire home screen G2.

[0021] For example, when a first credit card is displayed in the information display area a20 and the user swipes left, information on the second credit card is loaded. As in home screen G2B, a loading animation is displayed and the entire screen becomes blurred during loading. As in home screen G2C, when loading is complete, information on the second credit card is displayed in the information display area a20. The display of gauge g21, etc. is also updated to the information on the second credit card. When the user swipes right in the home screen G2C state, the screen returns to the state of home screen G2A.

[0022] As described above, in the display control system S of this embodiment, when the user swipes horizontally on the information display area a20, the display of the home screen G2 is updated so that the card to be displayed is switched. This makes it possible to simplify the management of credit card information when the user holds multiple credit cards. Hereinafter, the display control system S of this embodiment will be described in detail.

[0023] [3. Functions realized by the display control system] FIG. 3 is a functional block diagram showing an example of functions realized by the display control system S.

[0024] [3-1. Functions realized by the server] The data storage unit 100 is realized mainly by the storage unit 12. The other functions are realized mainly by the control unit 11.

[0025] [Data storage section] The data storage unit 100 stores data necessary for providing online services. For example, the data storage unit 100 stores a user database DB.

[0026] Fig. 4 is a diagram showing an example of the user database DB. As shown in Fig. 4, the user database DB is a database in which information about users is stored. For example, the user database DB stores a user ID, a password, the user's name, a number indicating the number of credit cards (No in Fig. 4), and credit card information. For example, when a user registers to use an online service, a new record is created in the user database DB, and information such as the user ID of this user is stored.

[0027] The user ID is an example of user identification information that can identify a user. Therefore, the description of the user ID can be replaced with the user identification information. The user identification information is not limited to the user ID, and may be information called by other names such as a user account. Other information such as an email address, a telephone number, or a card number may be used as the user identification information. In this embodiment, the user ID and password are used to log in to an online service.

[0028] Credit card information is information relating to a credit card. Credit card information exists for each credit card. For example, if a user ID is associated with n (n is a natural number) credit cards, then n pieces of credit card information exist for this user ID. In this embodiment, of the credit card information in FIG. 4, the card number, expiration date, available credit limit, and usage details information will be explained. Usage status information, status information, type information, alert information, and withdrawal account information will be explained in the modified example described below.

[0029] The card number, expiration date, available credit limit, and usage details information are used to display the home screen G2. The usage details information is information related to credit card usage details. For example, the usage details information includes the date and time of credit card usage, the location of usage (e.g., the store used), and the amount used for each payment. The usage details information includes unconfirmed usage details and confirmed usage details. When a credit card is used, the usage details information for that credit card is updated.

[0030] The credit card information may include other information such as an image of the card face, the cardholder's name, a 3D Secure password, or a security code. The image of the card face may include an image (design) of the card face of a credit card actually held by the user, in which case the user can intuitively understand the credit card to be displayed. However, information on the face of a credit card actually held by the user that the user does not want a third party to know, such as a card number, may not be included in the image of the card face.

[0031] [Acquisition Department] The acquisition unit 101 acquires credit card information on each of a plurality of credit cards associated with a user ID. The credit card information associated with a user ID is credit card information stored in the same record as the user ID in the user database DB. In other words, credit card information that can be searched using the user ID as a query corresponds to the credit card information associated with the user ID. The acquisition unit 101 acquires each of the plurality of credit card information associated with the user ID of a user who has logged in to an online service.

[0032] In this embodiment, a case will be described in which the user ID of a certain user is associated with credit card information of a credit card held by this user, but credit card information of other people may also be associated. For example, the user ID of a certain user may be associated with credit card information of a credit card held by this user's family. In addition, for example, the user ID of a certain user may be associated with credit card information of a credit card that this user or a family member no longer uses.

[0033] Alternatively, for example, the user ID of a certain user may be associated with credit card information of a credit card used privately by the user and credit card information of a credit card of the company where the user works. Since only one piece of credit card information may be associated with a certain user ID, in this case, the acquisition unit 101 acquires only one piece of credit card information associated with the user ID.

[0034] [Display control section] The display control unit 102 displays various screens on the display unit 25. For example, the display control unit 102 displays a home screen G2 based on credit card information of a display target card, which is any one of a plurality of credit cards. The display control unit 102 generates display data for the home screen G2 and transmits it to the user terminal 20, thereby displaying the home screen G2 on the display unit 25. The display data may be in any format, and may be, for example, data such as images and characters to be fitted into a screen frame defined in the card app, or may be HTML data if the web view or browser of the card app is used.

[0035] The home screen G2 is an example of a card screen related to the card to be displayed. Therefore, the description of the home screen G2 can be replaced with the card screen. The card screen is a screen displayed based on the credit card information of the card to be displayed. The card screen may be any screen and is not limited to the home screen G2. The card screen may be any screen that includes at least a part of the credit card information.

[0036] For example, when a user successfully logs in to an online service, the acquisition unit 101 acquires credit card information of a first credit card associated with the user. The display control unit 102 determines display contents including the information display area a20 and the gauge g21 based on the credit card information. The display control unit 102 generates display data for the home screen G2 based on the determined display contents and transmits the display data to the user terminal 20.

[0037] [Reception] The reception unit 103 receives various operations by the user. For example, when the home screen G2 is displayed, the reception unit 103 receives a swipe operation on the information display area a20. The reception unit 103 receives a notification transmitted by the user terminal 20 when a swipe operation on the information display area a20 is received, thereby receiving the swipe operation. This notification may be in any format, and can be said to be a notification for requesting switching of the card to be displayed.

[0038] The swipe operation on the information display area a20 is an example of a direction instruction operation. Therefore, the parts that explain this swipe operation can be read as a direction instruction operation. The direction instruction operation is an operation for switching the display target card. In this embodiment, a case is described in which the direction instruction operation is an operation for indicating a predetermined direction, but the operation for switching the display target card may be an operation other than the direction instruction operation. For example, a tap operation, a double tap operation, a long press operation, or an operation of pressing a button on the operation unit 24 may correspond to the operation for switching the display target card.

[0039] The predetermined direction indicated by the direction indication operation may be any direction and is not limited to the horizontal direction. The predetermined direction may be another direction such as a vertical direction (lengthwise direction) or a diagonal direction. If the predetermined direction is another direction, the display control unit 102 may display the home screen G2 so that the display target card is switched in the predetermined direction when the direction indication operation is accepted. The direction indication operation may be any operation and is not limited to a swipe operation. For example, it may be an operation of selecting an icon such as an arrow, a flick operation, a drag-and-drop operation, or an operation of tapping the edge of the screen. The direction indication operation may be an operation of indicating a direction using voice or an operation of shaking the user terminal 20 instead of an operation on the operation unit 24.

[0040] When the acceptance unit 103 accepts a swipe operation, the card to be displayed is switched. Suppose the user has n credit cards, and the card to be displayed currently is the kth credit card (k is any integer equal to or less than n). When a leftward swipe operation is accepted, the card to be displayed becomes the k+1th credit card. If the k+1th credit card does not exist, the card to be displayed does not switch. When a rightward swipe operation is accepted, the card to be displayed becomes the k-1th credit card. If the k-1th credit card does not exist, the card to be displayed does not switch.

[0041] When the display target card is switched, the acquisition unit 101 acquires credit card information of the switched display target card. The display control unit 102 determines the display content of the information display area a20 and the gauge g21 based on the credit card information. The display control unit 102 generates display data of the home screen G2 based on the display content and transmits it to the user terminal 20. The display control unit 201 of the user terminal 20 updates the home screen G2 based on the display data. When a swipe operation is accepted, the home screen G2 switches the display target card.

[0042] In the present embodiment, a case will be described in which communication occurs between the server 10 and the user terminal 20 every time the user performs a swipe operation, but the display control unit 102 may transmit display data including the home screen G2 after switching to the user terminal 20 all at once. In this case, the display control unit 201 of the user terminal 20 may update the display of the home screen G2 without communicating with the server 10 every time the reception unit 202 of the user terminal 20 receives a swipe operation. Communication between the server 10 and the user terminal 20 may be performed when some loading is required.

[0043] [3-2. Functions realized on user terminals] The data storage unit 200 is realized mainly by the storage unit 22. The other functions are realized mainly by the control unit 21.

[0044] [Data storage section] The data storage unit 200 stores data necessary for providing online services. For example, the data storage unit 200 stores a card application.

[0045] [Display control section] The display control unit 201 causes various screens to be displayed on the display unit 25. For example, the display control unit 201 causes each screen described in FIG. 2 to be displayed on the display unit 25. The display control unit 201 causes each screen to be displayed on the display unit 25 based on the display data transmitted by the display control unit 102 of the server 10.

[0046] [Reception] The reception unit 202 receives various operations by the user. For example, the reception unit 202 receives a user operation when each screen described in Fig. 2 is displayed. The user terminal 20 transmits a notification corresponding to the operation received by the reception unit 202 to the server 10.

[0047] [4. Processing performed by the display control system] Fig. 5 is a flow diagram showing an example of processing executed by the display control system S. The processing shown in Fig. 5 is executed by the control units 11 and 21 operating in accordance with programs stored in the storage units 12 and 22, respectively.

[0048] 5, when the user starts up the user terminal 20, the user terminal 20 displays a menu screen G1 on the display unit 25 (S1). When the user selects an icon i10, a predetermined login process is executed between the server 10 and the user terminal 20 (S2). When the user successfully logs in to the online service, the server 10 refers to the user database DB and acquires credit card information of the credit card associated with the user ID of the user who successfully logged in (S3). In S3, it is assumed that the credit card information of all credit cards associated with the user ID is acquired.

[0049] The server 10 generates display data for the home screen G2 based on the credit card information acquired in S3 and transmits it to the user terminal 20 (S4). This display data includes the credit card information of all credit cards associated with the user ID. This credit card information is discarded after being held for a certain period of time in the storage unit 22. This period of time may be any length, and may be, for example, about five minutes, or may be longer or shorter than that. While the credit card information is held in the storage unit 22, it becomes possible to switch the credit card displayed on the home screen G2 without calling the server 10.

[0050] When the user terminal 20 receives the display data for the home screen G2, it displays the home screen G2 on the display unit 25 (S5). The user terminal 20 identifies the user's operation performed from the operation unit 24 (S6). Here, a case where a swipe operation on the information display area a20 or another operation is performed will be described. When the user performs another operation (S6; another operation), a process corresponding to the other operation is executed between the server 10 and the user terminal 20 (S7), and this process ends.

[0051] In S6, when the user performs a swipe operation on the information display area a20 (S6; swipe operation), the user terminal 20 judges whether or not the credit card information is in the storage unit 22 (S8). In this embodiment, a case where the credit card information is discarded after a certain period of time has passed will be described, but the credit card information does not have to be discarded even after the certain period of time has passed. In this case, a timing process is executed after the credit card information is stored in the storage unit 22, and until the certain period of time has passed, even if the user performs a swipe operation, a call to the server 10 is not made.

[0052] If it is not determined that the credit card information is in the storage unit 22 (S8; N), the server 10 is requested to provide the credit card information (S9), and the home screen G2 is placed in a loading state (S10). Upon receiving the request, the server 10 refers to the user database DB and acquires the credit card information (S11). The server 10 transmits the credit card information acquired in S11 to the user terminal 20 (S12). Upon receiving the credit card information, the user terminal 20 displays the home screen G2 on the display unit 25 (S13), and returns to the processing of S6. In S13, similar to S5, the credit card information is stored in the storage unit 22. In S13, the credit card switched by the swipe operation accepted in S6 is displayed on the home screen G2.

[0053] In S8, if it is determined that the credit card information is in the storage unit 22 (S8; Y), the processes of S9, S11, and S12 (i.e., calling the server 10) are not performed, and after the process of S10 is performed and a loading state is entered, the process of S13 is performed and the home screen G1 is displayed on the display unit 25. In this case, the credit card information held in the storage unit 22 is loaded, and the credit card switched by the swipe operation accepted in S6 is displayed on the home screen G2. Since the server 10 is not called, the processing load on the server 10 can be reduced. Also, since the home screen G2 can be displayed by referring to the credit card information held in the storage unit 22, the card can be quickly switched by the swipe operation.

[0054] In this embodiment, the server 10 is called when the card application is started, when a predetermined reload operation is performed on the home screen G1, when the credit card information stored in the storage unit 22 is discarded (when a certain amount of time has passed since the previous call of the server 10), and when the home screen G1 is displayed after a predetermined operation is performed. This predetermined operation may be an operation for changing the registration status of a service after a modal for a security service or an optional service described below is displayed, or it may be another operation.

[0055] According to the display control system S of this embodiment, when a swipe operation is performed on the information display area a20, the home screen G2 switches the display target card. This allows the user to check the credit card information by switching the display target card even if multiple pieces of credit card information are associated with the user ID, simplifying the management of credit card information. For example, instead of making the user perform multiple operations to switch the display target card, such as displaying a list of credit cards from the home screen G2 and selecting a credit card from the list, the display target card is switched by a swipe operation, reducing the operational burden on the user.

[0056] [5. Modifications] The present disclosure is not limited to the above-described embodiment, and may be modified as appropriate without departing from the spirit and scope of the present disclosure.

[0057] [5-1. Variation 1] For example, as shown in Fig. 4, the credit card information for each of a plurality of credit cards may include usage status information regarding the usage status of each of a plurality of services. The plurality of services are services that can be applied for or cancelled from the online service. Each service may be any service related to the credit card, such as a security service related to the security of the credit card, or an optional service that can be subscribed to at will.

[0058] In the first variant example, the usage status information of optional services is taken as an example. For example, the usage status information indicates whether or not each of a plurality of optional services is registered. Here, registration means application for the service. A registered service is a service for which application has been made. In other words, a registered service is a service that is being used. An unregistered service is a service for which application has not been made. In other words, an unregistered service is a service that is not being used. The usage status information indicates, for each optional service, whether or not the optional service has been registered. A user can register for an optional service from the home screen G2. A user can also cancel a registered optional service.

[0059] Fig. 6 is a diagram showing an example of how the usage status of optional services is displayed on the home screen G2. The home screen G2D shows a state where the home screen G2A in Fig. 2 has been scrolled downward. The home screen G2D includes an optional service area a23 for displaying the usage status of optional services. When the user selects the optional service area a23, a semi-modal m24 showing the usage status of optional services is displayed, as in the home screen G2E.

[0060] The semi-modal m24 includes a detail display area a240 that shows details of each optional service. The detail display area a240 includes an icon i241 that shows the usage status of the optional service, and a button b242 for registering / cancelling the optional service. The user can register for the optional service by selecting the button b242 of an unregistered optional service. The user can cancel the registration of the optional service by selecting the button b242 of a registered optional service.

[0061] The user can switch the detail display area a240 by swiping left on the detail display area a240. As shown in the home screens G2E to G2G in Fig. 6, when the user repeatedly swipes left, the displayed services are switched forward one after another, such as "Automatic Revolving Payment," "Cashing Service," and "ETC Card." When the user repeatedly swipes right, the displayed services are switched backward one after another.

[0062] The display control unit 102 of the first modification determines the display order of the optional services based on the usage status information of the card to be displayed, and displays the home screen G2 so that the optional services are arranged in the determined display order. For example, the display control unit 102 determines the display order so that, among the multiple optional services, an unregistered optional service is displayed before a registered optional service. That is, the display control unit 102 determines the display order so that the multiple optional services are sorted according to their usage status.

[0063] Fig. 7 is a diagram showing an example of the display order of optional services in the semi-modal m24 of the home screen G2. In the example of Fig. 7, the user has two credit cards, and the usage status of optional services for each credit card is different. The character "Not registered" indicates that it is not registered. The character "Registered" indicates that it is registered. In the example of Fig. 7, there are nine optional services such as "Automatic revolving payment".

[0064] For example, when the card to be displayed is the first credit card, the display control unit 102 refers to the usage status information of the first credit card and identifies unregistered optional services. When there are multiple unregistered optional services, the display control unit 102 determines the display order of the unregistered optional services so that the unregistered optional services are displayed in a predetermined order. The display control unit 102 determines the display order of the registered optional services so that the registered optional services are displayed after the unregistered optional services. When there are multiple registered optional services, the display control unit 102 determines the display order of the registered optional services so that the registered optional services are displayed in a predetermined order.

[0065] When the card to be displayed is switched to the second credit card, the display control unit 102 refers to the usage status information of the second credit card and identifies unregistered optional services. The display control unit 102 determines the display order of the optional services in the same manner as for the first credit card, so that the unregistered optional services are displayed before the registered optional services.

[0066] In the example of FIG. 7, the display order of "automatic revolving payment" is fixed to first regardless of the usage status. In this manner, the display order of a specific optional service may be fixed. Contrary to the example of FIG. 7, an optional service may be determined to be displayed last. The display order as shown in FIG. 7 does not have to be fixed.

[0067] According to the first modification, the display order of the optional services is determined based on the usage status information of the display target card, and the home screen G2 is displayed so that the optional services are arranged in the determined display order. This makes it easier for the user to understand the usage status of the optional services.

[0068] In addition, the display order is determined so that unregistered optional services are displayed before registered optional services. This allows the user to easily understand the unregistered optional services, and also promotes registration for unregistered optional services.

[0069] [5-2. Variation 2] For example, as shown in Fig. 4, the credit card information for each of a plurality of credit cards may include at least one of status information related to the status of the credit card and type information related to the type of the credit card. In the example of Fig. 4, a case is described in which both status information and type information are included in the credit card information, but the credit card information may include only either the status information or the type information.

[0070] The status of a credit card is the validity of the credit card. For example, the status information indicates whether the credit card has expired. For another example, the status information indicates whether the credit card has been suspended. The status information is updated by an administrator of the card company.

[0071] A credit card type is the type of credit card. For example, a gold card, a premium card, a corporate card, or a family card correspond to the types of credit cards. For example, a credit card type may indicate the functions of a credit card. For example, a credit card with an electronic money function or a credit card with a point card function correspond to the types of credit cards. For example, a credit card type may indicate the design of the card face or the affiliated company.

[0072] The display control unit 102 selects at least some of the optional services based on at least one of the status information and type information of the card to be displayed, and displays the home screen G2 based on the at least one selected optional service. The relationship between at least one of the status information and type information and the services to be displayed is assumed to be predetermined in the data storage unit 100. The display control unit 102 determines that the optional services associated with at least one of the status information and type information of the card to be displayed are to be displayed.

[0073] The display control unit 102 determines whether or not there is an optional service that cannot be used with the display target card based on the status information. The display control unit 102 displays the home screen G2 so that unavailable optional services are not displayed and only available optional services are displayed. For example, if the display target card is a credit card whose status information indicates that it is not valid (expired or suspended), the display control unit 102 prevents the automatic revolving payment from being displayed.

[0074] The display control unit 102 determines whether or not there is an optional service that is not supported by the display target card, based on the type information. The display control unit 102 displays the home screen G2 so that the unsupported optional services are not displayed, and only the supported optional services are displayed. For example, when the display target card is a credit card whose type information indicates that the electronic money function is not supported, the display control unit 102 prevents the electronic money function from being displayed. The display control unit 102 only needs to control the display of optional services based on at least one of the status information and the type information, and the display control method is not limited to these examples.

[0075] According to the second modification, an optional service to be displayed on the home screen G2 is determined from among a plurality of optional services based on at least one of the status information and type information of the card to be displayed, and the home screen G2 is displayed based on the determined optional service. This makes it possible to provide the user with useful information according to the status and type of the card to be displayed.

[0076] [5-3. Variation 3] For example, as shown in FIG. 4, the credit card information for each of a plurality of credit cards may include alert information regarding an alert for that credit card. An alert is some kind of notification related to a credit card. An alert is not limited to content related to a payment, and may be any content. For example, an alert may be a notification prompting a specific operation, a notification of a campaign, a notification of a response to an inquiry, or a notification of system maintenance, or other various types of content. The alert information includes the content of the alert related to that credit card for each identification information (e.g., card number) of the credit card.

[0077] In the third modification, a case where an alert exists for each credit card will be described, but an alert common to a plurality of credit cards may exist. When an alert generation condition is satisfied, the server 10 generates alert information and stores it in the user database DB. The alert generation condition may be any condition, and may be a condition that can be determined based on, for example, the expiration date of the credit card or transaction statement information. The alert information may be manually registered by an administrator of the card company.

[0078] 8 is a diagram showing an example of how alerts are displayed on the home screen G2. For example, when the notification setting of the card application is turned on, a badge indicating the number of alerts is displayed on the icon i10 of the menu screen G1. When the user selects the icon i10 to start the card application, an icon i25 for displaying an alert screen G3 described below and an alert a26 of the card to be displayed are displayed as in the home screen G2H. Based on the alert information of the card to be displayed, the display control unit 102 displays only the alert a26a of relatively high importance among the alerts of the card to be displayed on the home screen G2.

[0079] Importance is the priority of an alert. In the third modification, four levels of importance are given as an example, but the number of levels of importance may be any number. For example, there may be two, three, or five or more levels of importance. An alert with a relatively high importance is an alert with a higher importance than other alerts. In the third modification, a case will be described in which the alert with the highest importance among the alerts of the card to be displayed corresponds to an alert with a relatively high importance, but an alert with a second or third or higher importance may be included. An alert with a relatively high importance may be an alert for which there is at least one other alert with a lower importance.

[0080] Fig. 9 is a diagram showing an example of alerts associated with individual credit cards. The example of Fig. 9 shows a case where there are two pieces of credit card information associated with a user ID. For example, the first credit card is associated with the alert a26a with the highest importance, the alerts a26b and a26c with the second highest importance, and the alerts a26d, a26e, and a26f with the lowest importance. The first credit card is not associated with the alert with the third highest importance.

[0081] As in the home screen G2H of Fig. 8, the display control unit 102 displays only the alert a26a with the highest importance among the alerts a26a to a26f associated with the first credit card. The other alerts a26b to a26f associated with the first credit card are not displayed on the home screen G2H. The other alerts a26b to a26f are displayed on an alert screen G3 described below. When the alert a26a is selected and viewed by the user, the alerts a26b and a26c with the next highest importance are displayed.

[0082] For example, the second credit card is associated with alerts a26g, a26h, and a26i with the second highest importance, and alert a26j with the lowest importance. The second credit card is not associated with the most important alert and the second most important alert. Hereinafter, when there is no need to distinguish between alerts a26a to a26f, they will simply be referred to as alert a26.

[0083] As shown in the home screen G2I of FIG. 8, when the user performs a swipe operation to switch the display target card to the second credit card, only the alert a26g with the highest importance among the alerts a26g to a26j associated with the second credit card is displayed. Although there are also alerts a26h and a26i with the same importance as the alert a26g, in the example of FIG. 8, only the alert a26g is displayed. In this case, it is assumed that a further priority is set among the alerts a26 with the same importance. The other alerts a26h, a26i, and a26j associated with the second credit card are displayed on the alert screen G3 described later.

[0084] In the third modification, a case where only one alert a26 is displayed on the home screen G2 will be described, but if there are multiple alerts a26 with the highest importance, these multiple alerts a26 may be displayed on the home screen G2. For example, the home screen G2I may display the alerts a26g, a26h, and a26i with the highest importance among the alerts a26g to a26j associated with the second credit card. When all of the alerts a26g to a26j are selected and viewed by the user, the alert a26j with the next highest importance is displayed.

[0085] As shown in FIG. 8, when the user selects the icon i25, the display control unit 102 displays an alert screen G3 including the alerts a26 of all credit cards. In the example of FIG. 8, the alerts a26 of all credit cards are displayed in order of importance, but the alert screen G3 may display all the alerts a26 of each credit card. When the user scrolls the alert screen G3, all the alerts a26 can be displayed. Note that, for each credit card, all the alerts a26 of the credit card may be displayed, or, for example, some alerts a26 may be displayed only on the home screen G2 or only on the alert screen G3.

[0086] For example, the display control unit 102 displays the alert a26 of the display target card on the home screen G2 in a manner according to the importance of the alert a26 based on the alert information of the display target card. The manner is the appearance as an image. For example, the color, pattern, internal character string, internal icon, brightness, size, effect, shape, or a combination of these corresponds to the manner. In the example of FIG. 8 and FIG. 9, the display control unit 102 displays the alert a26 of the display target card in a color according to the importance of the alert a26. The relationship between the importance and the manner of the alert a26 is stored in advance in the data storage unit 100. The display control unit 102 may display the alert a26 based on the manner associated with the importance of the alert a26 to be displayed. Note that the level of importance (priority) of each alert a26 is stored in advance in the data storage unit 100. Also, even if the priority of the alert a26 within a certain importance level is separately determined, this priority is assumed to be stored in the data storage unit 100 in advance.

[0087] The display control unit 102 displays the alert a26 of the display target card on the home screen G2 based on the alert information of the display target card. When the home screen G2 is displayed, the reception unit 103 receives a display operation for displaying an alert screen G3 capable of displaying alerts a26 of credit cards other than the display target card. In the third modification, the operation of selecting the icon i25 corresponds to the display operation. The display operation may be any operation and is not limited to the operation of selecting the icon i25. For example, the display operation may be an operation of selecting a button, text, or the like. When the display operation is received, the display control unit 102 displays the alert screen G3. The alert a26 that was not displayed on the home screen G2 is also displayed on the alert screen G3. That is, the alert screen G3 also displays an alert a26 with a relatively low level of importance.

[0088] According to the third modification, the home screen G2 is displayed so that only alerts a26 with a relatively high level of importance are displayed among the alerts a26 of the display target card, which makes it easier for the user to notice the alerts a26 with a relatively high level of importance.

[0089] In addition, the alert a26 of the display target card is displayed on the home screen G2 in a manner according to the importance of the alert a26, which makes it easier to visually grasp the importance of the alert a26.

[0090] Moreover, when the icon i25 is selected, the alert screen G3 is displayed. This allows the user to check the alerts a26 that were not displayed on the home screen G2. By displaying only some of the alerts a26 on the home screen G2, it is possible to prevent the home screen G2 from looking cluttered.

[0091] [5-4. Variation 4] For example, as shown in Fig. 4, the credit card information for each of a plurality of credit cards may include debit account information related to the debit account of the credit card. The debit account information includes the financial institution code, branch name (branch number), and account number of the debit account. The debit account information may also include other information such as the account holder's name. There may be credit cards for which no debit account is set.

[0092] The display control unit 102 determines whether an account at a specific financial institution is specified as the withdrawal account for the card to be displayed, based on the withdrawal account information of the card to be displayed. The specific financial institution may be a predetermined financial institution. For example, a financial institution that is affiliated with a card company may be the specific financial institution. The display control unit 102 determines whether the financial institution code included in the withdrawal account information is that of a specific financial institution.

[0093] When it is determined that an account at a specific financial institution has not been specified, the display control unit 102 displays the home screen G2 so as to prompt the user to specify a specific financial institution as the withdrawal account for the card to be displayed. The example in FIG. 2 shows a case where the user is prompted to specify a specific financial institution using a frame such as "Get more points by setting EEE Bank!", but the user may be prompted to specify a specific financial institution using any image. For example, the user may be prompted to specify a specific financial institution using an alert a26. As another example, the user may be prompted to specify a specific financial institution using an email. When it is determined that an account at a specific financial institution has been specified, the display control unit 102 may display other information in the frame without prompting the user to specify a specific financial institution using the frame.

[0094] According to the fourth modification, if it is determined that an account at a specific financial institution has not been designated, the home screen G2 is displayed to prompt the user to designate a specific financial institution as the withdrawal account for the displayed card. This leads the user to designate a specific financial institution as the withdrawal account.

[0095] [5-5. Variation 5] For example, when the last credit card in the display order is the display target card and a left swipe operation is received, the home screen G2 may switch to information corresponding to multiple credit cards. This information is information determined based on the credit card information of each of the multiple credit cards and is information other than the credit card information. For example, this information may be an advertisement.

[0096] Note that some information may be displayed even when the first credit card in the display order is the card to be displayed and a right swipe operation is accepted. For example, even if there is only one credit card associated with the user ID, information corresponding to this one credit card may be displayed. Also, information on applying for a second credit card may be displayed to a user who is capable of holding a second credit card. A link that provides guidance on how to use issued credit cards or related services may be displayed to a user who is not capable of holding a second credit card.

[0097] FIG. 10 is a diagram showing an example of how the last display area is displayed by a swipe operation. In FIG. 10, a user who holds two credit cards is taken as an example. Assume that the user swipes leftward when the second credit card is the display target card as in the home screen G2K. In this case, the display control unit 102 displays information according to the credit cards held by the user. For example, as in the home screen G2L, when the user holds a normal credit card, a message prompting the user to create a gold card is displayed in the display area a27. When the user holds a gold card, the display control unit 102 displays a message prompting the user to create a premium card in the display area a27.

[0098] According to the fifth modification, information corresponding to a plurality of credit cards is displayed in the last display area in a predetermined direction, making it possible to provide useful information corresponding to the credit cards held by the user.

[0099] [5-6. Variation 6] For example, in the embodiment, when the user selects the button b200, a screen showing details of the usage statement of the card to be displayed is described. This screen may display details of the usage statement by month. Also, in the embodiment, the information display area a20 displays only the information for the current month, but the display month in the information display area a20 may be changed from the home screen G2. The display month is the month for which the usage amount is displayed in the information display area a20.

[0100] FIG. 11 is a diagram showing an example of switching the display month of the display target card on the home screen G2. The display control unit 102 displays the usage amount of the display target card in a display month that is one of a plurality of months on the home screen G2. When the display month is August 2021 and the user selects the button b28 on the home screen G2, the display month becomes July 2021, one month before. When the display month is July 2021 and the user selects the button b28 on the home screen G2, the display month becomes June 2021, one month before. When the display month is July 2021 and the user selects the button b29, the display month returns to August 2021. The user can go back one display month by selecting the button b28, and can advance one display month by selecting the button b29.

[0101] The reception unit 103 of the sixth modified example receives an other-direction instruction operation for instructing a direction different from a predetermined direction instructed by a swipe operation. The operation of selecting the buttons b28 and b29 is an example of the other-direction instruction operation. The other-direction instruction operation may be any operation capable of instructing a direction, such as a swipe operation, a flick operation, a drag-and-drop operation, or an operation of tapping the edge of the screen. The other-direction instruction operation may be an operation of instructing a direction using voice, an operation of shaking the user terminal 20, or the like, instead of an operation on the operation unit 24.

[0102] If the direction instruction operation described in the embodiment is an operation for instructing a first direction on the home screen G2, the other direction specification operation is an operation for instructing a second direction different from the first direction. The second direction may be a direction perpendicular to the first direction, or may not be perpendicular to the first direction. In the sixth modification, the first direction is a horizontal direction, and the second direction is a vertical direction. When the first direction is specified by the direction instruction operation, the home screen G2 switches the display target card to the first direction. When the other direction instruction operation is accepted, the home screen G2 switches the display month of the display target card. The information displayed in the information display area a20 in the display month after switching is included in the credit card information. For example, information such as the total amount of usage in which the usage date and time are included in the display month, among the usage statement information, is displayed in the information display area a20.

[0103] In addition, when a direction instruction operation is received, the home screen G2 may switch the display target card based on a setting regarding whether or not to maintain the display month. Maintaining the display month means that the display month before the display target card is switched is the same as the display month after the display target card is switched. Not maintaining the display month means that the display month before the display target card is switched is allowed to be different from the display month after the display target card is switched. When the display month is not maintained, the display month after the display target card is switched becomes a predetermined month (for example, the current month). The setting of whether or not to maintain the display month may be common to all users, or may be determined for each user. When this setting is determined for each user, it is assumed that this setting is stored in the user database DB.

[0104] FIG. 12 is a diagram showing an example of settings when switching the display month on the home screen G2. As shown in FIG. 12, in the case of the setting to maintain the display month, the home screen G2 maintains the display month even if a horizontal swipe operation is performed. For example, assume that the card to be displayed is the first credit card, and the display month is August 2021. When the user selects the button b28 (when the other-direction instruction operation is accepted), the usage amount of the first credit card in July 2021, etc. is displayed. In this state, when the user swipes left, the usage amount of the second credit card in July 2021, etc. is displayed. In this way, in the case of the setting to maintain the display month, when a horizontal swipe operation is performed, the display month immediately before that is carried over to the display of the switched credit card.

[0105] On the other hand, if the setting is such that the displayed month is not maintained, when the first credit card's usage amount for July 2021 is displayed and the user swipes left, the second credit card's usage amount for this month (August 2021) will be displayed. In this way, if the setting is such that the displayed month is not maintained, when a horizontal swipe is performed, the switched credit card's usage amount for this month is displayed regardless of the displayed month immediately before.

[0106] According to the sixth modification, when a direction-indicating operation is received, the home screen G2 is displayed so that the display month of the card to be displayed is switched. This allows the user to check the amount of usage for the past month on the home screen G2, improving the user convenience.

[0107] Furthermore, when a direction instruction operation is received, the home screen G2 is displayed so that the displayed card is switched based on a setting as to whether or not to maintain the displayed month. This allows the display month to be switched according to the user's preferences on the home screen G2, improving user convenience.

[0108] [5-7. Other variations] For example, the above-described modifications may be combined.

[0109] For example, the configurations described in Modifications 1-6 do not need to be based on the configurations described in the embodiments (configurations in which the user switches cards to be displayed by swiping). The display control system S can achieve objects other than the objects described in the embodiments (simplification of management of credit card information). For example, the display control system S may determine the display order of multiple services as in Modification 1 without having the configurations described in the embodiments. For example, the display control system S may determine the optional services to be displayed based on at least one of status information and type information as in Modification 2 without having the configurations described in the embodiments.

[0110] For example, the display control system S may display an alert a26 according to the importance level or display an alert screen G3 as in Modification 3, without having the configuration described in the embodiment. For example, the display control system S may display a home screen G2 that prompts the user to specify a specific financial institution as in Modification 4, without having the configuration described in the embodiment. For example, the display control system S may display information according to a credit card as in Modification 5, without having the configuration described in the embodiment. For example, the display control system S may enable switching of the displayed month as in Modification 6, without having the configuration described in the embodiment.

[0111] For example, although the main functions have been described as being realized by the server 10, each function may be shared among multiple computers. For example, the functions described as being realized by the server 10 may be realized by the user terminal 20. In this case, main processing related to display control of the home screen G2 is executed by a card application. Communication between the server 10 and the user terminal 20 may not occur even when the card to be displayed is switched. Furthermore, the data described as being stored in the server 10 may be stored in another computer, such as a database server. [Explanation of symbols]

[0112] S display control system, N network, 10 server, 11,21 control unit, 12,22 storage unit, 13,23 communication unit, 20 user terminal, 24 operation unit, 25 display unit, DB user database, G1 menu screen, G2 home screen, G3 alert screen, 100 data storage unit, 101 acquisition unit, 102 display control unit, 103 reception unit, 200 data storage unit, 201 display control unit, 202 reception unit, i10 icon, a20 information display area, g21 gauge, a23 optional service area, m24 semi-modal, i25 icon, a26 alert, a27 display area, b22, b28, b29 button, b200, b242 button, i241 icon, a240 detailed display area.

Claims

1. An acquisition means for acquiring card information related to each of a plurality of cards associated with the user identification information; a display control means for displaying a card screen relating to a display target card, which is any one of the plurality of cards, based on the card information of the display target card, and when a first credit card of the plurality of cards is the display target card, displaying a first image corresponding to the first credit card at a predetermined position on the card screen and displaying a part of a second image corresponding to a second card of the plurality of cards next to the first image; a receiving means for receiving a direction instruction operation for indicating a horizontal direction when the card screen is displayed; Including, When the direction instruction operation is accepted, the card screen switches the display target card, The display control means when the horizontal direction instruction operation is accepted and the second card becomes the display target card, displaying the second image at the predetermined position; displaying a portion of the first image on an opposite side to a direction in which the portion of the second image has been displayed with respect to the predetermined position; When the first credit card is the display target card, an image for increasing the upper limit of the available credit card of the first credit card is displayed on the card screen. Display control system.

2. acquiring card information for each of a plurality of cards associated with the user identification information; a step of displaying a card screen relating to a display target card, which is any one of the plurality of cards, based on the card information of the display target card, and when a first credit card of the plurality of cards is the display target card, a display control step of displaying a first image corresponding to the first credit card at a predetermined position on the card screen and displaying a part of a second image corresponding to a second card of the plurality of cards next to the first image; a receiving step of receiving a direction instruction operation for instructing a horizontal direction when the card screen is displayed; Including, When the direction instruction operation is accepted, the card screen switches the display target card, The display control step includes: when the horizontal direction instruction operation is accepted and the second card becomes the display target card, displaying the second image at the predetermined position; displaying a portion of the first image on an opposite side to a direction in which the portion of the second image has been displayed with respect to the predetermined position; When the first credit card is the display target card, an image for increasing the upper limit of the available credit card of the first credit card is displayed on the card screen. Display control method.

3. An acquisition means for acquiring card information related to each of a plurality of cards associated with the user identification information; a display control means for displaying a card screen relating to a display target card, which is any one of the plurality of cards, based on the card information of the display target card, and when a first credit card of the plurality of cards is the display target card, displaying a first image corresponding to the first credit card at a predetermined position on the card screen and displaying a part of a second image corresponding to a second card of the plurality of cards next to the first image; a receiving means for receiving a direction instruction operation for indicating a horizontal direction when the card screen is displayed; The computer functions as When the direction instruction operation is accepted, the card screen switches the display target card, The display control means when the horizontal direction instruction operation is accepted and the second card becomes the display target card, displaying the second image at the predetermined position; displaying a portion of the first image on an opposite side to a direction in which the portion of the second image has been displayed with respect to the predetermined position; When the first credit card is the display target card, an image for increasing the upper limit of the available credit card of the first credit card is displayed on the card screen. program.

Images