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

Abstract

To enable the user to understand the compensation content even if they forget the existence of the incidental insurance of the credit card. 【Solution means】The first acquisition unit 211 acquires first information regarding the incidental insurance of the credit card associated with the user U of the electronic payment based on an operation on the payment application regarding the 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 regarding the insurance subscribed by the user U using the account of the electronic payment.

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 that of 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 the 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

Problems to be Solved by the Invention

[0005] In the above-described prior art, the presentation of compensation content is performed by the user uploading an external image of a credit card to the server. Therefore, in order to use the prior art, the user needs to be aware of the existence of the supplementary insurance. However, as described above, the user may forget the existence of the supplementary insurance itself, and in such a case, there is a problem that the prior art cannot be used.

[0006] An object of the present invention is to enable a user to grasp compensation content even if the user forgets the existence of supplementary insurance for a credit card.

Means for Solving the Problems

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

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

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

[0010] The information management method according to one aspect of the present invention acquires first information regarding the incidental insurance of a credit card associated with a user based on an operation on a settlement application related to electronic payment in 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 a first acquisition unit that acquires first information regarding the incidental insurance of a credit card associated with a user of the electronic payment based on an operation on a settlement application related to the electronic payment, and a display control unit that displays a display based on the first information on the screen of the settlement application.

Advantages of the Invention

[0012] According to one aspect of the present invention, even if the user forgets the existence of the incidental insurance of the credit card, it is possible to grasp the compensation content.

Brief Description of the Drawings

[0013]

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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 electronic payment-introduced affiliated store). 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 (see, for example, barcode N1 shown in FIG. 8) displayed on the user terminal 20 is read by a store terminal, or when a store-specific payment code posted at a store or the like is read by the user terminal 20.

[0016] In addition, the information management device 10 manages information regarding the insurance policies subscribed to by the user U (hereinafter referred to as "insurance information"). The information management device 10 manages, for example, insurance information associated with the user U's account (account ID described later) in the payment service D.

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

[0018] A-2. User Terminal 20 FIG. 2 is a block diagram showing the configuration of the user terminal 20. The user terminal 20 includes 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 interconnects these devices.

[0019] The display device 201 is a display device (e.g., various display panels such as a liquid crystal display panel or an organic EL display panel) that displays information to the outside. The input device 202 is an input device (e.g., a keyboard, a mouse, a microphone, a switch, a button, or a sensor) that receives inputs from the outside. Note that the display device 201 and the input device 202 may have an integrated configuration (e.g., a touch panel).

[0020] The camera 203 generates an image by capturing the surroundings of the user terminal 20. In the present embodiment, the camera 203 is mainly used for reading a settlement code of a store in code settlement. The camera 203 has an imaging optical system and an imaging element. The imaging optical system is an optical system including at least one imaging lens. The imaging optical system may have various optical elements such as a prism, or may have a zoom lens or a focus lens, etc. The imaging element is, for example, a CCD (Charge Coupled Device) image sensor or a CMOS (Complementary MOS) image sensor, etc.

[0021] The communication device 204 is provided with an interface connectable to the network N and communicates with other devices connected to the network N using wireless communication or wired communication.

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

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

[0024] In addition, the storage device 205 stores a display data group HD used for screen display in the payment application. The display data group HD includes, for example, a plurality of image data and text data. Each piece of image data and text data is assigned a display data ID. The display control unit 212, which will be 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 a display in the payment application.

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

[0026] The processing device 206 reads the program PG2 from the storage device 205. By executing the program PG2, the processing device 206 functions as the first acquisition unit 211 and the display control unit 212. In this embodiment, only the functional units of the user terminal 20 related to the display of insurance information in the payment application are described, and for example, the functional units related to payment processing are omitted from the illustration and description. The first acquisition unit 211 and the display control unit 212 may be configured by circuits such as a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an 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 FIG. 3 is a block diagram showing the configuration of the information management device 10. The information management device 10 includes a communication device 101, a storage device 102, a processing device 103, and a bus 120 that interconnects these devices.

[0028] The communication device 101 is equipped with an interface connectable to the network N and communicates with other terminals connected to the network N using wireless communication or wired communication.

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

[0030] Also, the storage device 102 stores a user database DB1, an enrolled insurance database DB2, a registered insurance database DB3, and a cardholder database DB4. In this embodiment, for convenience of explanation, it is assumed that the information management device 10 stores these databases DB1 to DB4, but at least a part of these databases DB1 to DB4 may be stored in another device (not shown) connected to the information management device 10 via the network N. In that case, the processing device 103 described later refers to the information of the database stored in another device via the network N.

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

[0032] Payment method 404 is a method of collecting money from user U who pays using electronic payment. In this embodiment, user U can set at least one of, for example, "credit card payment" using a registered credit card as a payment method, or "charged balance payment" where the payment amount is subtracted for each settlement from the pre-charged balance. Note that it is also possible to use points granted for the use of payment service D for part or all of the payment (hereinafter referred to as "point payment"), but it is not possible to set only point payment as the payment method. User database DB1 may include history information on the acquisition and use of points by user U.

[0033] Here, for credit card payment, there are "co-branded credit card payment" using a co-branded credit card issued by an organization (typically, the company operating payment service D) in partnership with payment service D, and "credit card payment" using other credit cards. In the case of co-branded credit card payment, there are merits such as, for example, the amount of points granted for the use of payment service D being larger compared to other payment methods. In this embodiment, it is assumed that the co-branded credit card is a credit card issued by the company operating payment service D. Also, in this embodiment, "credit card" includes "virtual card" for which a physical card is not issued.

[0034] FIG. 5 is a schematic diagram showing an example of the subscribed insurance database DB2. Subscribed insurance database DB2 stores information on insurance subscribed by user U using an account of payment service D. Subscribed insurance database DB2 includes account ID 501, insurance name 502, and insurance details 503. Account ID 501 is the account ID of user U in payment service D and corresponds to account ID 401 in FIG. 4.

[0035] Insurance name 502 is the name of the insurance subscribed by user U identified by account ID 501. For example, user U with account ID 501 of "U0001" subscribes to "auto insurance" and "extended warranty" for the products purchased using the settlement service D through the account of the settlement service D. "Extended warranty" is the insurance attached to the products purchased by user U using the settlement service D. More specifically, for example, when purchasing an electrical product or the like, there is generally a free warranty period provided by the manufacturer, but there may be a case where a store - specific extended warranty is attached free of charge or a store - specific extended warranty is attached for a fee. Information such as this extended warranty is registered in the subscribed insurance database DB2.

[0036] Insurance details 503 indicate information regarding the contract details of the insurance. Specifically, insurance details 503 indicate, for example, the name of the insurance company, the monthly (or annual, etc.) insurance premium, the name of the policyholder, the contract period, the events for which compensation can be received, the compensation amount, and the compensation conditions, etc.

[0037] Figure 6 is a schematic diagram showing an example of the registered insurance database DB3. The registered insurance database DB3 stores information regarding the insurance registered by user U. The information registered in the registered insurance database DB3 is, for example, information regarding the insurance subscribed by user U without using the account of the settlement service D. User U registers the information for the purpose of centrally managing the information of the insurance to which he / she subscribes on the settlement application.

[0038] The registration of information in the registered insurance database DB3 may be performed, for example, by user U himself / herself inputting the necessary items while looking at the insurance certificate, etc. Also, the registration of information in the registered insurance database DB3 may be performed, for example, by user U uploading an image of the insurance certificate and performing OCR (Optical Character Recognition) processing on the characters in the image, or by a person (such as a settlement service staff member) visually inputting the characters in the image.

[0039] The registered insurance database DB3 includes an account ID 601, an insurance name 602, and insurance details 603. Since the contents of this information are the same as the account ID 501, insurance name 502, and insurance details 503 in the subscribed insurance database DB2, the description thereof is omitted.

[0040] FIG. 7 is a schematic diagram showing an example of the cardholder database DB4. The cardholder database DB4 stores information regarding the subscribers of the affiliated credit card. As described above, since the affiliated credit card is a credit card issued by the company operating the payment service D, the information management device 10 holds information on the subscribers of the affiliated credit card. The cardholder database DB4 includes an account ID 701, a card number 702, an expiration date 703, and a card type 704.

[0041] The account ID 701 is the account ID of the user U in the payment service D and corresponds to the account ID 401 in FIG. 4. The card number 702 indicates the card number of the affiliated credit card held by the user U specified by the account ID 701. The expiration date 703 indicates the expiration date of the affiliated credit card. The card type 704 indicates the card type of the affiliated credit card. In the present embodiment, as the card type 704, there are "general card (denoted as "general")" and "gold card (denoted as "gold")". Generally, differences between the general card and the gold card include, for example, the presence or absence of an annual fee, the difference in the point awarding rate given with use, and the difference in the compensation content of the incidental insurance of the affiliated credit card, etc.

[0042] The processing device 103 includes one or more CPUs. The one or more CPUs are an example of one or more processors. Each of the processor and the CPU is an example of a computer. The processing device 103 functions as the second acquisition unit 111 and the transmission unit 112 by executing the program PG1. In this embodiment, only the functional units of the information management device 10 related to the display of insurance information in the settlement application are described, and for example, the functional units related to the settlement process are omitted from the illustration and description. At least a part of the second acquisition unit 111 and the transmission unit 112 may be configured by circuits such as DSP, ASIC, PLD, and FPGA. Details of the second acquisition unit 111 and the transmission unit 112 will be described later.

[0043] A-4. Details of the processing devices 103 and 206 Next, while referring to the screen display on the user terminal 20, the details of the functions of the processing devices 103 and 206 will be described. The content of the screen display shown below is an example, and various display modes other than the illustrated mode can be adopted.

[0044] FIG. 8 is a schematic diagram showing the screen G1 of the settlement application. When the user U starts the settlement application and has logged in to the account of the settlement service D, the screen G1 shown in FIG. 8 is displayed. The screen G1 may be referred to as the home screen of the settlement application. Generally, in an application used on the user terminal 20, the login for each use may be omitted (the login state is maintained) so that the use can be started quickly. Therefore, for example, when the user U frequently uses the settlement application, the login state is maintained and it is highly likely that the user is logged in. On the other hand, for example, when the user U starts the settlement application on the user terminal 20 for the first time, the user has not logged in and needs to log in by the user U himself / herself. Also, for example, when a certain period of time has elapsed since the previous use of the settlement application, the login state may be released. When not logged in, a login screen (not shown) is displayed and the user U performs a login operation.

[0045] On the screen G1, there are displayed a barcode N1 for settlement, a point balance N2 indicating the remaining balance of points given to the user U for using the settlement service D, etc., a point usage switching interface N3 for switching whether to use points for payment, a reading icon N4 for reading the code posted in the store, a charging icon N5 for charging the balance, a usage history icon N6 for checking the usage history of the settlement service D, a display switching interface N7 for switching the display to a point card, and a fixed display section N8 where the display continues even when the screen is scrolled.

[0046] FIG. 9 is a schematic diagram showing the screen G2 of the settlement application. When the user U scrolls the screen G1 downward, the screen arranged below the reading icon N4, the charging icon N5, and the usage history icon N6 shown in FIG. 8 is displayed on the display device 201. Note that the fixed display section N8 is fixedly displayed at the same position as the screen G1. On the screen G2, campaign information N9 and an icon group N10 for realizing various functions in the settlement application are displayed.

[0047] Among the icon group N10, the "Guide" icon is an icon for displaying an explanation of how to use the settlement application. The "Remittance" icon is an icon for remitting money to another user U using the settlement application. The "Limit Amount" icon is an icon for setting the upper limit amount in the settlement using the settlement application. The "Investment" icon is an icon for making an investment using the above-mentioned points. The "List" icon is an icon for displaying a list of various functions of the settlement application including the functions shown in the icon group N10. Also, among the icon group N10, the insurance icon C1 is an icon for executing a function related to insurance (hereinafter referred to as "insurance function").

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

[0049] The insurance management function is a function that aggregates and manages information related to the insurance policies subscribed by user U. By using the insurance management function, user U can, for example, check whether there are any duplications or deficiencies in the compensation details of the insurance policies he / she has subscribed to. The insurance sharing function is mainly a function for sharing information about the insurance policies subscribed by each other between the user U and his / her family members. The insurance search function is a function that allows user U to search for insurance policies suitable for him / herself. User U can perform the subscription procedures for the insurance policies displayed as search results on the settlement application (insurance subscription function). In addition, for example, consultations with experts having knowledge of insurance such as financial planners can be reserved on the settlement application. Hereinafter, among these functions, the insurance management function will be mainly described.

[0050] On screen G3, a terms of use confirmation button C2 is displayed in insurance management information display section N11. When user U taps on terms of use confirmation button C2, the terms of use in the insurance management function (such as regulations regarding the handling of personal information) are displayed. When user U confirms the terms of use, the insurance management function becomes effective.

[0051] FIG. 11 is a schematic diagram showing a screen G4 of a payment application. When user U taps insurance icon C1, insurance information C3 and C4 regarding the insurance policies subscribed by user U are displayed on insurance management information display section N11. The insurance policies for which information is displayed on insurance management information display section N11 are, for example, insurance policies subscribed using the insurance subscription function. If it is an insurance policy subscribed using the insurance subscription function, the compensation details and applicable conditions of the insurance policy can be grasped in detail by information management device 10. Also, the insurance policies for which information is displayed on insurance management information display section N11 are, for example, supplementary insurance policies attached to the co-branded credit card held by user U. As described above, since information management device 10 holds card subscriber database DB4 (information of subscribers of co-branded credit cards), it can grasp the holding status of the co-branded credit cards of each user U and display information regarding supplementary insurance policies.

[0052] For example, insurance information C3 shows the insurance information of the auto insurance subscribed by user U using the insurance subscription function of the payment application. The insurance type (auto insurance), monthly insurance premium (13,007 yen per month), and expiration date (2024 / 10 / 01) are displayed in insurance information C3.

[0053] Also, for example, insurance information C4 shows the insurance information of the supplementary insurance policy attached to the co-branded credit card held by user U. The insurance type (card supplementary insurance), name of the credit card (DD Gold Card), and card expiration date corresponding to the expiration date (2027 / 09) are displayed in insurance information C4.

[0054] In this way, when insurance icon C1 is tapped, insurance information C3 and C4 regarding the insurance policies subscribed by user U are displayed. Therefore, insurance icon C1 can be rephrased as an icon for displaying information regarding the insurance policies subscribed by user U using the account for electronic payment.

[0055] In addition, the insurance for which information is displayed on the insurance management information display unit N11 may be, for example, insurance attached to a product purchased by the user U using the payment service D. More specifically, for example, when purchasing an electrical appliance or the like, it is common for there to be a free warranty period provided by the manufacturer. Also, when purchasing an electrical appliance or the like, there may be a case where the store's own extended warranty is attached free of charge, or the store's own extended warranty can be attached for a fee. Since the information management device 10 can acquire the purchase history of products using the payment service D, it may display, on the insurance management information display unit N11, the insurance attached to the products purchased using the payment service D after obtaining the consent of the user U.

[0056] FIG. 12 is a schematic diagram showing the screen G5 of the payment application. For example, when the user U swipes the insurance information C4 to the left, the insurance information C7 located on the right side of the insurance information C4 is displayed. The insurance information C7 is information regarding the extended warranty subscribed when the user U purchased a personal computer (PC). The insurance information C7 includes, for example, information such as the name of the product to be guaranteed (PC), the purchase date (2023 / 12 / 21), and the warranty period (5 years).

[0057] As described above, in the present embodiment, as shown in the screens G1 to G5 in FIGS. 7 to 12, insurance information regarding the insurance subscribed by the user U is displayed on the payment application. Therefore, the user U can routinely check the compensation content, application conditions, etc. of the insurance subscribed by himself / herself. As a result, for example, it is possible to prevent omission of insurance claim and easily review the insurance according to changes in the life stage.

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

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

[0060] The first acquisition unit 211 acquires first information regarding the incidental insurance of the credit card associated with user U of payment service D based on operations on the payment application related to payment service D. The above operation is an operation (for example, a tap) on insurance icon C1 for displaying information regarding the insurance policies subscribed by user U. Insurance icon C1 is an example of a display instruction unit for displaying information regarding the insurance policies subscribed by user U.

[0061] When insurance icon C1 is tapped, the first acquisition unit 211 transmits a request to the information management device 10 to send the insurance information of the incidental insurance of the affiliated credit card associated with user U (more specifically, the account ID of user U). Since user U logs in to payment service D at the start of using the payment application, the transmission request includes information (for example, account ID) that can identify user U.

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

[0063] In addition to the first information, the first acquisition unit 211 acquires second information regarding the insurance policies subscribed by user U using the account of payment service D. The first acquisition unit 211 transmits a request to the information management device 10 to send the insurance information regarding the insurance policies (in this embodiment, for example, automobile insurance) subscribed by user U using the insurance subscription function.

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

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

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

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

[0068] The second acquisition unit 111 acquires first information regarding the supplementary insurance of the credit card associated with the user U based on the operation on the payment application regarding the payment service D in the user terminal 20 used by the user U of the payment service D. As described above, the operation on the payment application is an operation on the insurance icon C1 in the user terminal 20. When the insurance icon C1 is tapped, a transmission request for the first piece of information is transmitted from the user terminal 20. The second acquisition unit 111 refers to the cardholder database DB4 shown in FIG. 7 based on the account ID of the user U included in the transmission request, and checks whether the user U holds a partnered credit card. When the user U holds a partnered credit card, the second acquisition unit 111 acquires information such as the card type and expiration date of the partnered credit card as the first piece of information.

[0069] Similarly, when receiving a transmission request for insurance information (second information) regarding the insurance subscribed by user U using the insurance subscription function, the second acquisition unit 111 refers to the subscribed insurance database DB2 shown in FIG. 5 based on the account ID of user U included in the transmission request, and checks whether there is an insurance subscribed using the insurance subscription function. If there is an insurance subscribed by user U using the insurance subscription function, the second acquisition unit 111 Add insurance database DB2 acquires information regarding the insurance as the second information from

[0070] Similarly, when receiving a transmission request for information (third information) regarding the guarantee of a product purchased by user U using the payment service D, the second acquisition unit 111 refers to the subscribed insurance database DB2 shown in FIG. 5 based on the account ID of user U included in the transmission request, and checks whether an extended guarantee of the product purchased using the payment service D is included. If the guarantee of the product purchased using the payment service D is included, the second acquisition unit 111 Add insurance database DB2 acquires information regarding the extended guarantee as the third information from

[0071] The transmission unit 112 transmits the first information to the user terminal 20. Further, when at least one of the second information and the third information is acquired, the transmission unit 112 transmits at least one of the second information and the third information to the user terminal 20 together with the first information.

[0072] A-5. Flowchart FIG. 14 is a flowchart showing the operation of the processing device 103. The flowchart of FIG. 14 mainly shows the operation regarding the display of insurance information, and does not include operations such as payment using the payment service D.

[0073] The processing device 103 waits until the payment application is launched by the user U (step S100: NO). When the payment application is launched (step S100: YES), the processing device 103 determines whether the user U has already logged in to the account of the payment service D (step S101).

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

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

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

[0077] A-6. Summary of the Embodiment As described above, the user terminal 20 according to the embodiment acquires first information regarding the incidental insurance of the credit card based on an operation on the payment application, and displays a display based on the first information on the screen of the payment application. Therefore, the user U can check the incidental insurance of the credit card held by himself / herself on the payment application, and the convenience of the user U is improved.

[0078] In addition, the user terminal 20 acquires second information regarding the insurance subscribed by the user U using the electronic payment account, and displays the display based on the first information and the display based on the second information on the screen of the payment application. Therefore, the user U can check the information of other insurances subscribed by himself / herself on the payment application together with the information of the incidental insurance of the credit card, so that it is easy to check whether there is any duplication or shortage in the compensation content.

[0079] In addition, the user terminal 20 acquires third information regarding the warranty of the product purchased by the user U using electronic payment, and displays the display based on the first information and the display based on the third information on the screen of the payment application. Therefore, the user U can check the information regarding the warranty of the product purchased using electronic payment together with the information of the incidental insurance of the credit card, so that it is easy to check whether there is any duplication or shortage in the compensation content.

[0080] B: Modification Example The modification modes in the above-described embodiment are shown below. Two or more modes arbitrarily selected from the following modification modes may be appropriately combined within a non-conflicting range.

[0081] B1: First Modification Example In the above-described embodiment, the insurance information is displayed in the insurance function of the payment application (when the insurance icon C1 is selected). However, it is not limited to this. For example, when performing a payment using the payment application, the insurance information regarding the purchased product in the payment may be displayed.

[0082] FIG. 13 is a schematic diagram showing a screen G6 according to the first modification. The screen G6 shows a payment completion screen when making a payment for a hotel reservation using a payment application. On the screen G6, a payment content confirmation display N21 is displayed, which shows the payee, the payment amount, the points awarded, etc. in the current payment. The payment in the illustrated example is for the payment of the accommodation fee at the time of (or during) the hotel reservation.

[0083] At the bottom of the screen G6, together with a caution display C9 for drawing the attention of the user U saying "There is insurance information", the insurance information C8 of the supplementary insurance of the credit card held by the user U is displayed. This is because the supplementary insurance of the credit card held by the user U includes domestic travel insurance, and there is a possibility that the domestic travel insurance can be used when traveling with the accommodation for which this payment is made. Note that as a usage condition of the supplementary insurance of the credit card, if "purchasing a product using the credit card" is included, the insurance information C8 may be displayed only when the credit card is set as the payment method of the payment service D.

[0084] As described above, in the first modification, the operation of the payment application is an operation related to the purchase of a product that is the subject of compensation in the supplementary insurance of the credit card. The display control unit 212 displays first information related to the supplementary insurance of the credit card on the screen related to the purchase of the product. When the content of the supplementary insurance is domestic or overseas travel insurance, the product may be, in addition to the accommodation fee of the hotel described above, the travel fee of a package tour, the fare of an airline ticket or a ticket for a transportation means such as a bullet train. Further, when the credit card is attached with purchase product compensation insurance, the insurance information may be displayed each time a payment is made in the payment application.

[0085] According to the first modification, when the user U purchases a product, the user U can confirm the information of the supplementary insurance of the credit card related to the product on the payment application, so that the supplementary insurance of the credit card can be used more effectively.

[0086] B2: Second Modification In the above-described embodiment, for example, the insurance information C3 and C4 shown in FIG. 11 were displays showing the outline of the insurance policies subscribed by the user U. In addition to this, the details of the insurance policies subscribed by the user U may be displayed.

[0087] FIG. 15 is a schematic diagram showing a screen G7 according to the second modification. In the second modification, when the user U taps the insurance information C4 shown in FIG. 11, insurance information C5 showing the details of the supplementary insurance of the credit card is displayed. The insurance information C5 includes card information C5A and compensation content information C5B. The card information C5A displays the card name (DD Card / Gold) of the credit card to which the insurance is attached, the card number (represented by x in the figure), and the expiration date (2027 / 9). The compensation content information C5B displays the types of compensation content. In the example of FIG. 15, the compensation content information C5B displays "Domestic Travel Insurance", "Overseas Travel Insurance", "Purchase Compensation Insurance", and "Mobile Terminal Insurance".

[0088] FIG. 16 is a schematic diagram showing a screen G8 according to the second modification. The texts indicating the item names ("Domestic Travel Insurance", etc.) of the compensation content information C5B shown in FIG. 15 are links, and when an item name is tapped, detailed information C6 about the insurance content indicated by the item name is displayed. FIG. 16 shows the display screen when "Domestic Travel Insurance" in FIG. 15 is tapped. The detailed information C6 includes a "guarantee item" indicating for what events the insurance money will be paid and an "insurance amount" paid for the guarantee item. Also, the detailed information may include information such as the compensation target person, the compensation period, and the compensation application conditions.

[0089] In the second modification, for example, information on the compensation content of the supplementary insurance for each of the general card and the gold card is included in the cardholder database DB4. The first acquisition unit 211 acquires, as part of the first information, information on the compensation content corresponding to the type of the affiliated credit card held by the user U by reading it from the cardholder database DB4.

[0090] According to the second modification example, since the detailed information of the insurance to be subscribed can be confirmed on the settlement application, the convenience of the user U can be further improved.

[0091] C: Others (1) In the above-described embodiments, ROM, RAM, etc. were exemplified as the storage devices 102 and 205. However, the storage devices 102 and 205 may be a flexible disk, a magneto-optical disk (e.g., a compact disk, a digital versatile disk, a Blu-ray (registered trademark) disk), a smart card, a flash memory device (e.g., a card, a stick, a key drive), a CD-ROM (Compact Disc-ROM), a register, a removable disk, a hard disk, a floppy (registered trademark) disk, a magnetic strip, a database, a server, or other suitable storage media.

[0092] (2) In the above-described embodiments, the information, signals, etc. described may be represented using any of various different technologies. For example, the data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be referred to 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 above-described embodiments, the input / output information, etc. may be stored in a specific location (e.g., memory), or may be managed using a management table. The input / output information, etc. may be overwritten, updated, or appended. The output information, etc. may be deleted. The input information, etc. may be transmitted to other devices.

[0094] (4) In the above-described embodiments, the determination may be made based on a value represented by 1 bit (0 or 1), a truth value (Boolean: true or false), or a numerical comparison (e.g., comparison with a predetermined value).

[0095] (5) The processing procedures, sequences, flowcharts, etc. exemplified in the above-described embodiments may be rearranged as long as there is no contradiction. For example, for the methods described in the present disclosure, the elements of various steps are presented using an exemplary order and are not limited to the specific order presented.

[0096] (6) Each function exemplified in FIGS. 2 and 3 is realized by any combination of at least one of hardware and software. Also, the method of realizing each functional block is not particularly limited. That is, each functional block may be realized using one physically or logically combined device, or two or more physically or logically separated devices may be directly or indirectly (e.g., using wired, wireless, etc.) connected and realized using these multiple devices. The functional block may be realized by combining software with the above one device or the above multiple devices.

[0097] (7) The programs exemplified in the above-described embodiments should be broadly interpreted to mean instructions, instruction sets, codes, code segments, program codes, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, execution threads, procedures, functions, etc., regardless of whether they are called software, firmware, middleware, microcode, a hardware description language, or by another name.

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

[0099] (8) In each of the above-described embodiments, the terms "system" and "network" are used interchangeably.

[0100] (9) The information, parameters, etc. described in the present disclosure may be represented using absolute values, relative values from a predetermined value, or another corresponding piece of information.

[0101] (10) In the above-described embodiments, the mobile device may include a case where it is a mobile station (MS: Mobile Station). A mobile station may 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 some other suitable term. Also, in the present disclosure, terms such as "mobile station", "user terminal", "user equipment (UE)", "terminal", etc. may be used interchangeably.

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

[0103] (12) In the above-described embodiments, unless otherwise specified, the description "based on" does not mean "based only on". In other words, the description "based on" means both "based only on" and "based at least on".

[0104] (13) The terms "determining" and "deciding" as used in this disclosure may encompass a wide variety of operations. "Determining" and "deciding" may include, for example, judging, calculating, computing, processing, deriving, investigating, looking up (e.g., searching in a table, database, or another data structure), ascertaining, and considering something as having been "determined" or "decided". Also, "determining" and "deciding" may include considering something as having been "determined" or "decided" after receiving (e.g., receiving information), transmitting (e.g., transmitting information), inputting, outputting, accessing (e.g., accessing data in memory), etc. Further, "determining" and "deciding" may include considering something as having been "determined" or "decided" after resolving, selecting, choosing, establishing, comparing, etc. That is, "determining" and "deciding" may include considering something as having been "determined" or "decided" after performing some operation. Also, "determining (deciding)" may be replaced with "assuming", "expecting", "considering", etc.

[0105] (14) In the above-described embodiments, when terms such as "include", "including", and their variants are used, these terms are intended to be inclusive, similar to the term "comprising". Further, the term "or" used in the present disclosure is not intended to be an exclusive disjunction.

[0106] (15) In the present disclosure, for example, when articles are added by translation, such as a, an, and the in English, the present disclosure may include that the nouns following these articles are in the plural form.

[0107] (16) In the present disclosure, the term "A and B are different" may mean "A and B are different from each other". Note that the term may also mean "A and B are each different from C". Terms such as "separate", "coupled", etc. may also be interpreted in the same way as "different".

[0108] (17) Each aspect / embodiment described in the present disclosure may be used alone, in combination, or switched during execution. Also, the notification of predetermined information (for example, the notification of "being X") is not limited to being explicitly performed, and may be performed implicitly (for example, without performing the notification of the predetermined information).

Explanation of Reference Numerals

[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 that acquires, based on a first operation on a payment application related to the electronic payment, first information on an insurance incidental to a credit card associated with a user of the electronic payment, and acquires, based on a second operation on the payment application, second information on an insurance subscribed to by the user using the account of the electronic payment; a display control unit that displays a display based on the first information and a display based on the second information on a screen of the payment application, the first operation is an operation related to payment of at least one of a hotel accommodation fee, a travel fee for a package tour, and a ticket fee for a means of transportation; When the first operation is performed, The first acquisition unit transmits a user account ID of the user to an information management device; The information management device includes: referring to a card subscriber database including a plurality of first account IDs for identifying the credit card subscribers and the compensation contents of the supplementary insurance of the credit card, and if travel insurance is included in the supplementary insurance of the credit card associated with the user account ID, transmitting to the information processing terminal as the first information a fact that the travel insurance is included in the supplementary insurance; the second operation is an operation on a display instruction unit for displaying information about an insurance policy subscribed to by the user, When the second operation is performed, The first acquisition unit transmits the user account ID to the information management device, The information management device includes: Refer to an insurance database including a plurality of second account IDs for identifying the insured and the insurance name and insurance content for each of the second account IDs, and obtain the insurance name and insurance content associated with the user account ID as the second information; transmitting the second information to the information processing terminal; Information processing terminal.

2. The first acquisition unit acquires, in addition to the second information, third information related to a warranty for a product purchased by the user using the electronic payment; the display control unit displays a display based on the second information and a display based on the third information on a screen of the payment application; The insurance database includes the name, purchase date, and coverage period of the purchased product for each of the second account IDs, The information management device includes: Refer to the insurance database and obtain the name of the product, the purchase date, and the coverage period associated with the user account ID as the third information; transmitting the third information to the information processing terminal; 2. The information processing terminal according to claim 1.

3. a second acquisition unit that acquires, on a user terminal used by a user of electronic payment, first information on insurance incidental to a credit card associated with the user based on a first operation on a payment application related to the electronic payment, and acquires, on a second operation on the payment application, second information on insurance subscribed to by the user using the account of the electronic payment; a transmission unit that transmits the first information to the user terminal, the first operation is an operation related to payment of at least one of a hotel accommodation fee, a travel fee for a package tour, and a ticket fee for a means of transportation; When the first operation is performed, The second acquisition unit is receiving a user account ID of the user from the user terminal; refer to a card subscriber database including a plurality of first account IDs for identifying the credit card subscribers and the coverage details of the incidental insurance of the credit card, and, if the incidental insurance of the credit card associated with the user account ID includes travel insurance, obtain, as the first information, information indicating that the travel insurance is included in the incidental insurance; When the second operation is performed, The second acquisition unit is receiving a user account ID of the user from the user terminal; refer to a subscription insurance database including a plurality of second account IDs for identifying the insured and subscription insurance names and insurance details for each of the second account IDs, and obtain, as the second information, the subscription insurance name and insurance details associated with the user account ID; Information management device.

4. When a first operation is performed on a payment application relating to electronic payment on a first computer, The first computer Transmitting a user account ID to a second computer to obtain first information regarding insurance associated with a credit card associated with the user of the electronic payment; displaying a display based on the first information on a screen of the payment application; The second computer receiving the user account ID from the first computer; refer to a card subscriber database including a plurality of first account IDs for identifying the credit card subscribers and the coverage details of the incidental insurance of the credit card, and, if the incidental insurance of the credit card associated with the user account ID includes travel insurance, obtain, as the first information, information indicating that the travel insurance is included in the incidental insurance; Sending the first information to the first computer; the first operation is an operation related to payment of at least one of a hotel accommodation fee, a travel fee for a package tour, and a ticket fee for a means of transportation; When a second operation is performed on the payment application in the first computer, The first computer Transmitting the user account ID to the second computer to obtain second information regarding an insurance policy purchased by the user using the electronic payment account; displaying a display based on the second information on a screen of the payment application; The second computer receiving the user account ID from the first computer; Refer to an insurance database including a plurality of second account IDs for identifying the insured and the insurance name and insurance content for each of the second account IDs, and obtain the insurance name and insurance content associated with the user account ID as the second information; transmitting the second information to the first computer; The second operation is an operation on a display instruction unit for displaying information about insurance to which the user has subscribed. Display control method.

5. a first acquisition unit that acquires, based on a first operation on a payment application related to the electronic payment, first information on an insurance incidental to a credit card associated with a user of the electronic payment, and acquires, based on a second operation on the payment application, second information on an insurance subscribed to by the user using the account of the electronic payment; a program for causing a computer to function as a display control unit that displays a display based on the first information and a display based on the second information on a screen of the payment application, the first operation is an operation related to payment of at least one of a hotel accommodation fee, a travel fee for a package tour, and a ticket fee for a means of transportation; When the first operation is performed, The first acquisition unit transmits a user account ID of the user to an information management device; The information management device includes: referring to a card subscriber database including a plurality of first account IDs for identifying the credit card subscribers and the compensation contents of the supplementary insurance of the credit card, and if travel insurance is included in the supplementary insurance of the credit card associated with the user account ID, transmitting to the information processing terminal as the first information a fact that the travel insurance is included in the supplementary insurance; the second operation is an operation on a display instruction unit for displaying information about an insurance policy subscribed to by the user, When the second operation is performed, The first acquisition unit transmits the user account ID to the information management device, The information management device includes: Refer to an insurance database including a plurality of second account IDs for identifying the insured and the insurance name and insurance content for each of the second account IDs, and obtain the insurance name and insurance content associated with the user account ID as the second information; transmitting the second information to the information processing terminal; program.

Images