Program, method, and information processing apparatus

Abstract

To enable management of image display on a user terminal when a card with an image printed on its face is captured into the user terminal. [Solution] A program that causes a computer to perform the following steps: acquire image information that associates a card face image to be printed on a card associated with an electronic value balance with displayability information indicating whether the card face image is allowed to be displayed on the user's user terminal; acquire image identification information used to identify the card face image through a payment application installed on the user terminal; and send display control information to the user terminal that controls the display of the card face image in the payment application based on the displayability information associated with the card face image identified by the image identification information.

Description

Technical Field

[0001] The present invention relates to a program, a method, and an information processing apparatus.

Background Art

[0002] One of the payment methods is to use a prepaid card in which the balance is stored. In prepaid card payment, the user presents a physical card having a physical entity at a store or the like, and card identification information such as magnetic information or a barcode recorded on the physical card is read. Based on the read card identification information, the balance associated with the physical card is subtracted to complete the payment. In addition to physical cards, payment using a mobile prepaid card issued by a mobile terminal as described in Patent Document 1 is also possible. Patent Document 1 describes a method in which an actual card that is a copy of a mobile prepaid card can be used as an offline payment means.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] When a prepaid card having a physical entity is used, the user needs to possess the physical card for payment. In this case, there is a possibility of spending time looking for the card at the time of payment and losing the card. Therefore, the prepaid card is incorporated into the application software installed in the user terminal, and the balance can be used on the user terminal.

[0005] One of the advantages of prepaid cards is that various designs can be applied to the card face. For example, in promotions, companies and the like provide prepaid cards printed with their own designs. Cards with unique designs can be used as prepaid cards and can also be incorporated into user terminals. However, when incorporating a card with a design into a user terminal, from the perspective of copyright, the rights holder may not permit the printed design to be displayed on the user terminal.

[0006] Therefore, an object of the present invention is to provide a program, a method, and an information processing apparatus capable of managing the display of an image on a user terminal when a card with an image printed on its face is incorporated into the user terminal.

Means for Solving the Problems

[0007] A program according to one aspect of the present disclosure causes a computer to acquire image information in which a face image printed on a card associated with the balance of electronic value and display permission information indicating whether or not the face image is permitted to be displayed on the user's user terminal are associated, acquire image identification information used to identify the face image through a payment application installed on the user terminal, and transmit display control information for controlling the display of the face image in the payment application to the user terminal based on the display permission information associated with the face image identified by the image identification information.

[0008] A method according to another aspect of the present disclosure includes a computer obtaining image information in which a face image printed on a card associated with a balance of electronic value is associated with display permission information indicating whether or not to permit the face image to be displayed on a user terminal of a user, obtaining image identification information used to identify the face image through a payment application installed on the user terminal, and transmitting, to the user terminal, display control information for controlling display of the face image in the payment application based on the display permission information associated with the face image identified by the image identification information.

[0009] An information processing apparatus according to another aspect of the present disclosure includes an image information acquisition unit that acquires image information in which a face image printed on a card associated with a balance of electronic value is associated with display permission information indicating whether or not to permit the face image to be displayed on a user terminal of a user, an image identification information acquisition unit that acquires, through a payment application installed on the user terminal, image identification information used to identify the face image, and a display control information transmission unit that transmits, to the user terminal, display control information for controlling display of the face image in the payment application based on the display permission information associated with the face image identified by the image identification information.

[0010] A program according to another aspect of the present disclosure causes a user terminal to execute obtaining image identification information used to identify a face image printed on a card associated with a balance of electronic value, transmitting the image identification information to an information processing apparatus in which image information in which the face image is associated with display permission information indicating whether or not to permit the face image to be displayed on the user terminal is stored, obtaining, from the information processing apparatus, display control information for controlling display of the face image in the user terminal based on the display permission information associated with the face image identified by the image identification information, and displaying a display image on the user terminal based on the display control information.

[0011] A method according to another aspect of the present disclosure includes a user terminal acquiring image identification information used to identify a card face image to be printed on a card associated with an electronic value balance, transmitting the image identification information to an information processing device in which image information associated with a card face image and displayability information indicating whether the card face image is allowed to be displayed on the user terminal is stored, acquiring display control information from the information processing device that controls the display of the card face image on the user terminal based on the displayability information associated with the card face image identified by the image identification information, and displaying a display image on the user terminal based on the display control information. Effect of the Invention

[0012] According to the present invention, a program, a method, and an information processing device are provided that can manage the display of an image on a user terminal when a card with an image printed on its face is imported into the user terminal. [Brief description of the drawings]

[0013] [Figure 1] 1 is a schematic diagram of an import management system according to an embodiment of the present invention. [Figure 2] FIG. 2 is a diagram illustrating an overview of processing in the import management system according to the present embodiment. [Figure 3] FIG. 2 is a block diagram of an import management device and a user terminal according to the present embodiment. [Figure 4] 10 is an example of information stored in the capture management device according to the present embodiment. [Figure 5] 10 is an example of processing in the import management system according to the present embodiment. [Figure 6] 10 is an example of an image display determination process according to the present embodiment. [Figure 7] 10A and 10B are diagrams illustrating an example of capturing a face image of a card according to the present embodiment. [Figure 8] 10 is another example of processing in the capture management system according to the present embodiment. [Figure 9] 10 is another example of the image display determination process according to the present embodiment. [Figure 10] 10A and 10B are diagrams illustrating another example of capturing a face image of a card according to the present embodiment. [Figure 11] 1 is a diagram illustrating the import of multiple cards in an import management system according to an embodiment of the present invention; DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A preferred embodiment of the present invention will be described with reference to the accompanying drawings. In the drawings, components with the same reference numerals have the same or similar configurations.

[0015] 1 is a block diagram showing an outline of an import management system 10 according to this embodiment. The import management system 10 includes an import management device 101 and a user terminal 201. In the import management system 10, the import management device 101 and the user terminal 201 are communicably connected via a network N.

[0016] The capture management device 101 is a server device having a computer that performs predetermined processing by executing a predetermined program stored in the capture management device 101. The capture management device 101 manages the card face images of cards captured into the user terminal 201, and controls whether the card face images can be displayed on the user terminal 201.

[0017] The user terminal 201 is an information processing device such as a smartphone or tablet terminal used by a user. A payment application that the user uses for payments is installed on the user terminal 201. The user registers a prepaid card, which has a physical entity, in the payment application. The user can make payments using the balance of the card that is imported into the user terminal 201 upon registration.

[0018] An overview of the processing in the capture management system 10 will be described with reference to Figure 2. First, a prepaid card C according to this embodiment will be described. The card C captured into the user terminal 201 by the capture management system 10 is manufactured by printing an image of the card face on a white card WC (Step A). The printing of the image of the card face is performed by a printing company different from the issuing company that issued the card.

[0019] The white card WC has a blank front at the time of issuance and is issued by a card issuing system managed by an issuer. The white card WC is manufactured as a card in which card identification information and the card balance are associated. The face of the white card WC has, for example, a payment barcode printed on the back, and the front is blank on which a card image can be printed. The card provider applies a unique design to the white card WC to complete the card C. For example, upon request from the card provider, a card printing company or the like prints a card image on the white card WC to manufacture the card C.

[0020] When card C is used for payment, the payment barcode is read at a store or other location. The payment management system checks the balance corresponding to the payment barcode and executes the payment by debiting the payment amount. Here, the issuing company manages the card issuing system, payment management system, and acquisition management system 10. The card issuing system and payment management system may be integrated with acquisition management system 10, or may be separate systems.

[0021] The face image to be printed on the white card WC is stored in the capture management device 101. The capture management device 101 stores image information including the face image and displayability information indicating whether the face image can be displayed on the user terminal. In the example of FIG. 2, the displayability information for the face image IG1 is stored as "displayable." The image information is stored in the capture management device 101, for example, when a card printing company that has received a request from a card provider sends the image information to the capture management device 101.

[0022] A user who holds a card C printed with a face image IG1 imports the card C into the payment application of the user terminal 201. When importing the card C, the user terminal 201 acquires image identification information used for identifying the face image through the payment application (step B). The image identification information is, for example, card identification information of the card C, a photographed image of the face of the card C, or information on the feature amount of the face image generated based on the photographed image.

[0023] The acquired image identification information is transmitted to the import management device 101 through the user terminal 201 (step C). The import management device 101 refers to the display permission information associated with the face image corresponding to the image identification information. The user terminal 201 acquires display control information for controlling the display of the face image in the payment application from the import management device 101 according to the display permission information (step D).

[0024] On the screen D of the payment application in the user terminal 201, an image according to the display control information is displayed. In the example of FIG. 2, since the display of the face image IG1 is permitted in the user terminal 201, the face image IG1 is displayed on the screen D. If the display permission information corresponding to the face image does not permit the display of the face image, an image with a predetermined design is displayed on the screen D. Alternatively, when the display permission information does not permit the display of the face image, the image related to the face may not be displayed.

[0025] In the import management system 10, it is possible to set whether an image can be displayed on the user terminal 201 for various images printed on the white card WC, and it is possible to control the display of the image on the user terminal 201. Thereby, for example, a card provider who gives a design to a card can manage the image according to its own intention. Also, by using the import management system 10, it is possible to control the import of a face image that is not determined at the time of manufacturing the white card WC.

[0026] Each unit of the capture management device 101 and each unit of the user terminal 201 will be described with reference to FIG.

[0027] The acquisition management device 101 has a communication unit 1011, a memory unit 1012, a card identification information registration unit 1013, an image information acquisition unit 1014, an image identification information acquisition unit 1015, a card face image identification unit 1016, a display control information transmission unit 1017, and a balance management unit 1018.

[0028] The communication unit 1011 controls communication between the capture management device 101 and the user terminal 201. The communication unit 1011 also controls communication between the capture management device 101 and an information processing device of a card printing business, for example.

[0029] The storage unit 1012 stores various types of information used in the processing of the capture management device 101. The storage unit 1012 has a card identification information DB10121, an image information DB10122, and an application payment identification information DB10123.

[0030] With reference to FIG. 4, the information stored in the card identification information DB10121, the image information DB10122, and the application payment identification information DB10123 will be described.

[0031] The information stored in the card identification information DB 10121 includes the following items: "card identification information," "balance," "expiration date," "image display information," and "card payment availability information."

[0032] "Card identification information" stores information for identifying a card. The card identification information is, for example, the information of a bar code for settlement printed on the card. Further, authentication number information corresponding to the settlement bar code may be further associated with the card identification information. Here, the authentication number is a number for authenticating card capture through a settlement application. "Balance" stores the balance of each card. "Expiration date" stores the expiration date during which settlement can be made using the balance of the card. "Image display information" stores information indicating a coupon image printed on the card. The "image display information" is, for example, information of a link indicating the storage location of the image. "Card settlement availability information" stores information indicating the availability of settlement based on the card identification information. As the "card settlement availability information", information of "settlement possible" or "settlement impossible" is stored. Here, "settlement possible" means that the user presents the card at a store or the like and settlement based on the card identification information is possible. Also, "settlement impossible" means that settlement based on the card identification information cannot be made. The information of "settlement impossible" is set, for example, when the card is captured by the user terminal 201. Alternatively, it is also set that it is "settlement impossible" when the expiration date of the card has passed.

[0033] In the example of FIG. 4, it is stored that the card with the card identification information of "CA001" has a balance of "1000 yen" and an expiration date of "2028 / 3 / 17". The image display information of this card is "L001", and the card settlement availability information is "settlement impossible".

[0034] The information stored in the image information DB10122 has items of "image display information", "image feature information", "coupon image", and "display availability information".

[0035] "Image display information" stores information indicating the face image printed on the card. "Image feature information" stores information indicating the feature amount of the face image, which is used to identify the face image. The feature amount of the face image includes information necessary for comparing the similarity of images, such as information on the color distribution of the image for histogram comparison and information indicating the feature points of the image. "Face image" stores the original image printed on the face of the card. "Display permission information" stores information indicating whether or not to permit the display of the face image on the user terminal 201.

[0036] In the example of FIG. 4, it is stored that the image specified by the image display information "L001" has image feature information "F001", the face image is IG1, and the display permission information is "displayable".

[0037] The information stored in the application payment identification information DB10123 has items of "user ID", "application payment identification information", "card identification information", and "balance".

[0038] "User ID" stores information for identifying the user of the payment application installed on the user terminal 201. "Application payment identification information" stores information for specifying the user and the application in the payment using the payment application. "Application payment identification information" stores, for example, information corresponding to the payment barcode displayed in the payment application and information uniquely assigned to the application and the user. "Card identification information" stores the card identification information of the card associated with the "application payment identification information". "Balance" stores the balance of each card.

[0039] In the example of FIG. 4, it is shown that the user with the user ID "U001" has "AP001" associated as the application payment identification information, and the application payment identification information is associated with a card including a card with a balance of 1000 yen identified by "CA001".

[0040] At the time of settlement, the user launches the settlement application, and the user terminal 201 or the store terminal transmits the settlement amount and its own application settlement identification information to the settlement management system. In the settlement management system, the user is identified based on the application settlement identification information, and the settlement is executed by deducting the settlement amount from the balance. Based on the balance after settlement, the balance stored in the application settlement identification information DB10123 is updated. The settlement management system may be a system integrated with the capture management system 10, or may be another system that cooperates with the capture management system 10.

[0041] Returning to FIG. 3, each part of the capture management device 101 will be described. The card identification information registration unit 1013 acquires the card identification information and the card balance from the card issuance system and stores them in the card identification information DB10121, thereby registering the card information in the capture management device 101.

[0042] The image information acquisition unit 1014 acquires image information in which a coupon surface image is associated with display permission information indicating whether or not the coupon surface image is permitted to be displayed on the user's user terminal. The image information acquisition unit 1014 acquires image information from, for example, an information processing device of a card printing company or an information processing device of an orderer of the card.

[0043] The image identification information acquisition unit 1015 acquires, through the settlement application installed on the user terminal 201, image identification information used for identifying the coupon surface image. The image identification information is, for example, card identification information, a captured image of the card coupon surface, or information on the feature amount of the image of the coupon surface generated based on the captured image.

[0044] Based on the image identification information acquired by the image identification information acquisition unit 1015, the coupon face image identification unit 1016 identifies the coupon face image corresponding to the card to be captured. For example, when the image identification information is card identification information, the coupon face image identification unit 1016 identifies the image display information based on the card identification information and identifies the coupon face image corresponding to the image display information. Further, when the image identification information is information on the feature amount of the captured image or the image of the coupon face generated based on the captured image, the coupon face image identification unit 1016 identifies the coupon face image by collating the captured image itself with the coupon face image or collating the feature amount of the image with the image feature information.

[0045] The display control information transmission unit 1017 transmits display control information for controlling the display of the coupon face image in the settlement application to the user terminal 201 according to the display permission information. When the display permission information indicates that the display of the coupon face image on the user terminal 201 is permitted, the display control information includes information that enables the coupon face image to be displayed on the user terminal 201. Here, the information that enables the coupon face image to be displayed on the user terminal 201 is, for example, the coupon face image itself or information indicating a link for acquiring the coupon face image. Further, when the display permission information indicates that the display of the coupon face image on the user terminal 201 is not permitted, the display control information includes information indicating that a predetermined image different from the coupon face image is to be displayed. Here, the information indicating that a predetermined image different from the coupon face image is to be displayed is, for example, the predetermined image itself, information indicating a link for acquiring the predetermined image, or information indicating that a predetermined image pre-stored in the user terminal 201 is to be displayed.

[0046] The balance management unit 1018 acquires the card identification information of the card from the user terminal and acquires balance information indicating the balance of the card corresponding to the card identification information. Further, based on the balance information, the balance management unit 1018 determines whether the balance can be switched from the card identification information to the application settlement identification information used for settlement by the settlement application.

[0047] When the balance can be replaced, the balance management unit 1018 enables a payment using the balance in association with the application payment identification information and disables a payment based on the card identification information. The balance management unit 1018 transmits balance information to the user terminal. Note that when the balance cannot be replaced, the balance management unit 1018 notifies the user terminal 201 that the balance cannot be replaced.

[0048] Next, each part of the user terminal 201 will be described. The user terminal 201 includes a communication unit 2011, a storage unit 2012, a display unit 2013, an image identification information acquisition unit 2014, and a card identification information acquisition unit 2015. The communication unit 2011 controls communication between the user terminal 201 and an external device, including communication between the user terminal 201 and the capture management device 101.

[0049] The storage unit 2012 stores information necessary for processing in the user terminal 201. The storage unit 2012 stores a payment application 20121, and by executing a program stored as the payment application 20121 by the processor of the user terminal 201, payment by the user terminal 201 becomes possible. Associated with the payment application 20121, the storage unit 2012 stores application payment identification information 20122 and a coupon image stored in the coupon image storage unit 20123.

[0050] The display unit 2013 is a display of the user terminal 201. The image identification information acquisition unit 2014 acquires the card identification information of the card to be captured as image identification information using the input function of the user terminal 201. Alternatively, the image identification information acquisition unit 2014 acquires a captured image of the coupon of the card taken by a camera integrated with the user terminal 201 or an external camera as image identification information. Alternatively, the image identification information acquisition unit 2014 acquires the captured image and generates information indicating the features of the captured image based on the captured image to acquire the image identification information.

[0051] The card identification information acquisition unit 2015 acquires the card identification information of the card to be captured by means of the input function of the user terminal 201 or the character reading function of the camera of the user terminal 201. In addition, when the image identification information acquired by the image identification information acquisition unit 2014 is card identification information, the function of the image identification information acquisition unit 2014 may be performed by the card identification information acquisition unit 2015.

[0052] Referring to FIG. 5, an example of the processing in the capture management system 10 will be described. Here, a case where a coupon image is specified based on card identification information will be described as an example. At this time, the white card manufactured by the card-issuing business operator is delivered to the card-printing business operator. The card-printing business operator prints the coupon image on the white card and manufactures the card in response to a request from the card-providing business operator.

[0053] In step S501, the card-printing business operator device 301 acquires image information including the coupon image and display permission information. This process is performed, for example, as the registration of the coupon image when printing on a white card.

[0054] In step S502, the image information acquisition unit 1014 acquires the image information from the card-printing business operator device 301.

[0055] In step S503, the image information acquisition unit 1014 stores the image information in the image information DB 10122. At this time, the image information acquisition unit 1014 generates image display information corresponding to the coupon image and updates the image information DB 10122.

[0056] When the card-printing business operator prints the coupon image on the white card, in step S504, the card identification information registration unit 1013 acquires the card identification information of the card on which the target coupon image is printed from the card-printing business operator device 301.

[0057] In step S505, the card identification information registration unit 1013 associates the image display information corresponding to the target card face image with the acquired card identification information, and updates the card identification information DB 10121. The card identification information registration unit 1013 also updates the image information DB 10122 so as to associate the card identification information with the card face image.

[0058] In step S506, the user operating the user terminal 201 logs in to the payment application 20121 of the user terminal 201. Logging in to the payment application 20121 is performed by the user accessing the capture management device 101 through the payment application 20121 and performing authentication using, for example, user identification information and a predetermined password. This enables the capture management device 101 to identify the user requesting the capture of a card.

[0059] In step S507, the card identification information acquisition unit 2015 acquires the card identification information of the card.

[0060] In step S508, the balance management unit 1018 acquires card identification information from the user terminal 201. When identifying the card face image using the card identification information, the image identification information acquisition unit 1015 may acquire the card identification information from the user terminal 201.

[0061] In step S509, the balance management unit 1018 acquires balance information including the balance and expiration date of the card identified based on the card identification information.

[0062] In step S510, the balance management unit 1018 determines whether the balance can be switched from the card identification information to the application payment identification information. If the balance can be switched, the balance is associated with the application payment identification information to enable payment using the balance, and the card identification information DB10121 and the application payment identification information DB10123 are updated so that payment based on the card identification information is disabled. Specifically, the balance management unit 1018 updates the card identification information DB10121 so that the card payment availability information in the card identification information DB10121 of the imported card is set to "unusable".

[0063] In step S511, the balance management unit 1018 notifies the user terminal 201 that the card can be imported. In accordance with the transmission of the import permission, the balance information of the card may be transmitted to the user terminal 201.

[0064] In step S512, the display control information transmission unit 1017 acquires an import instruction of the card from the user terminal 201.

[0065] In step S513, the display control information transmission unit 1017 performs an image display determination process. The image display determination process will be described later.

[0066] In step S514, the display control information transmission unit 1017 transmits the display control information to the user terminal 201.

[0067] In step S515, an image based on the display control information and the balance information are displayed on the screen of the payment application 20121.

[0068] Referring to FIG. 6, the image display determination process will be described. In step S601, the coupon image identification unit 1016 refers to the image display information corresponding to the card identification information in the card identification information DB10121.

[0069] In step S602, the coupon surface image identification unit 1016 identifies the coupon surface image corresponding to the image display information in the image information DB 10122. That is, the coupon surface image identification unit 1016 identifies the coupon surface image corresponding to the acquired card identification information based on the card identification information associated with the coupon surface image in the card identification information DB 10121 and the image information DB 10122.

[0070] In step S603, the display control information transmission unit 1017 acquires the display permission information corresponding to the identified coupon surface image.

[0071] In step S604, the display control information transmission unit 1017 determines whether or not the display permission information indicates that the display of the coupon surface image is permitted.

[0072] In step S605 (step S604: YES), the display control information transmission unit 1017 generates display control information including information enabling the display of the coupon surface image.

[0073] In step S606 (step S604: NO), the display control information transmission unit 1017 generates display control information including information indicating that a predetermined image different from the coupon surface image is to be displayed.

[0074] Referring to FIG. 7, the card capture will be described. In the example shown in FIG. 7, the capture of a card in which a coupon surface image IG1 is printed on the front surface C11 of the card C1 and card identification information "CA001" and an authentication number "XXXXXXX" are printed on the back surface C12 is performed.

[0075] When the user launches the payment application 20121 and logs in to the capture management device 101, the identification information input screen D11 is displayed. When the user inputs the card identification information and the authentication number, the card identification information is transmitted from the user terminal 201 to the capture management device 101. In this embodiment, the input of the authentication number is not necessarily required, and only the card identification information may be input. When the balance can be captured, the card balance and expiration date are displayed on the confirmation screen D21. In the example of FIG. 7, it is displayed that the card balance of the card C1 is 1000 yen and the expiration date is March 17, 2028. When the user requests the capture to the application through the confirmation screen D21, the user terminal 201 acquires the display control information from the capture management device 101.

[0076] When the display of the coupon face image is permitted, the coupon face image IG1 is displayed on the result screen D31. When the display of the coupon face image is not permitted, a predetermined image IG3 is displayed on the result screen D32. Also, on the result screens D31 and D32, the captured balance is displayed as the application balance. At this time, the expiration date of the application balance may be displayed together.

[0077] In this way, in the capture management system 10, when capturing a card, it is possible to manage the image display on the user terminal 201 based on the display permission information associated with the coupon face image.

[0078] Referring to FIGS. 8 to 10, another example of the processing in the capture management system 10 will be described. Here, the case where the coupon face image is specified based on the captured image of the card coupon face will be described as an example. At this time, similar to the previous example, the white card manufactured by the card issuing operator is delivered to the card printing operator. The card printing operator prints the coupon face image on the white card and manufactures the card in response to the request of the card providing operator. However, in this example, different from the previous example, it is assumed that the card printing operator does not register the card identification information of the card on which the target coupon face image is printed.

[0079] In step S801, the card printing business device 301 acquires image information including a card face image and display availability information. This process is performed, for example, to register a card face image when printing on a white card.

[0080] In step S802, the image information acquisition unit 1014 acquires image information from the card printing business device 301.

[0081] In step S803, the image information acquisition unit 1014 stores the image information in the image information DB 10122.

[0082] In step S804, the image information acquisition unit 1014 generates image characteristic information based on the face image of the card, and stores the image characteristic information in the image information DB 10122.

[0083] In step S805, the user operating the user terminal 201 logs in to the payment application 20121 of the user terminal 201.

[0084] In step S806, the card identification information acquisition unit 2015 acquires the card identification information of the card.

[0085] In step S807, the balance management unit 1018 acquires the card identification information from the user terminal 201.

[0086] In step S808, the balance management unit 1018 acquires balance information including the balance and expiration date of the card identified based on the card identification information.

[0087] In step S809, the balance management unit 1018 determines whether the balance can be transferred from the card identification information to the application payment identification information, and if the balance can be transferred, associates the balance with the application payment identification information to enable payments using the balance, and updates the card identification information DB10121 and the application payment identification information DB10123 to disable payments based on the card identification information.

[0088] In step S810, the balance management unit 1018 notifies the user terminal 201 that the card can be imported. In accordance with the transmission of the import permission, the balance information of the card may be transmitted to the user terminal 201.

[0089] In step S811, the image identification information acquisition unit 2014 photographs the face of the card and acquires the photographed image.

[0090] In step S812, the image identification information acquisition unit 2014 generates information including the features of the photographed image based on the photographed image.

[0091] In step S813, the display control information transmission unit 1017 acquires the card import instruction and the information including the features of the photographed image from the user terminal 201.

[0092] In step S814, the display control information transmission unit 1017 performs an image display determination process. The image display determination process will be described later.

[0093] In step S815, the display control information transmission unit 1017 transmits the display control information to the user terminal 201.

[0094] In step S816, an image based on the display control information and the balance information are displayed on the screen of the settlement application 20121.

[0095] Referring to FIG. 9, the image display determination process will be described. In step S901, the face image identification unit 1016 collates the information indicating the features of the photographed image with the image feature information to identify the face image. The collation of the information indicating the features of the photographed image with the image feature information is performed, for example, so as to determine that the face image corresponds to the photographed image when the similarity of the feature amounts satisfies a predetermined condition.

[0096] In step S902, the display control information transmission unit 1017 acquires the display permission information corresponding to the identified face image.

[0097] In step S903, the display control information transmission unit 1017 determines whether the display permission information indicates that the display of the card face image is permitted.

[0098] In step S904 (step S903: YES), the display control information transmitting unit 1017 generates display control information including information that enables the display of the card face image.

[0099] In step S905 (step S903: NO), the display control information transmitting unit 1017 generates display control information including information indicating that a predetermined image different from the face image of the card is to be displayed.

[0100] The import of a card will be described with reference to Fig. 10. In the example shown in Fig. 10, a card is imported in which a card face image IG1 is printed on the obverse C11 of a card C1 and card identification information "CA001" is printed on the reverse C12.

[0101] When the user starts the payment application 20121 and logs in to the capture management device 101, an identification information input screen D11 is displayed. When the user enters card identification information and an authentication number, the card identification information and authentication number are sent from the user terminal 201 to the capture management device 101. If it is possible to capture the balance, the card balance and expiration date are displayed on a confirmation screen D21.

[0102] When the user requests import into the app via the confirmation screen D21, the payment application 20121 displays a card face capture screen D41 and requests the user to capture a photo of the card face. Once the card face is captured, information indicating the characteristics of the captured image PH1 is sent to the capture management device 101.

[0103] The user terminal 201 acquires display control information from the capture management device 101. If display of the card face image is permitted, the card face image IG1 is displayed on the result screen D31. If display of the card face image is not permitted, a predetermined image IG3 is displayed on the result screen D32. Furthermore, the captured balance is displayed as the application balance on the result screens D31 and D32. At this time, the expiration date of the application balance may also be displayed.

[0104] In this way, the capture management device 101 can control the display of card face images even when card identification information is not associated with the card face image. This means that, for example, when a card printing business prints a card, it is no longer necessary to manage card identification information, thereby reducing the burden during printing. The capture management device 101 can control the display of card face images while reducing the management burden during card printing.

[0105] In the above example, the user terminal 201 generates information indicating the characteristics of the captured image, and the capture management device 101 identifies the bill face image based on the information indicating the characteristics of the captured image. However, the information indicating the characteristics of the captured image may be the captured image itself. In this case, the capture management device 101 may identify the bill face image based on the captured image acquired from the user terminal 201 by matching the captured image with the bill face image stored in the capture management device 101 using a general image matching algorithm. In other words, the image characteristic information may be the bill face image itself. Furthermore, the user terminal 201 may display the bill face image transmitted from the capture management device 101, or the captured image itself.

[0106] An example of importing multiple cards will be described with reference to Figure 11. The import management system 10 can associate the balances of multiple cards (card C1 and card C2) with one application payment identification information. In the example of Figure 11, a case will be described where a user who imported card C1 imports card C2. Card C2 is a card with a card face image IG2 printed on the front side C21 and card identification information "CA002" and authentication number "YYYYYYY" printed on the back side C22.

[0107] When the user launches the payment application 20121 and logs in to the capture management device 101, the identification information input screen D11 is displayed. When the user inputs the card identification information "CA002" as the card identification information, the card identification information is transmitted from the user terminal 201 to the capture management device 101. If the balance can be captured, the card balance and expiration date are displayed on the confirmation screen D21. In the example of FIG. 11, it is displayed that the card balance of the card C2 is 2,000 yen and the expiration date is March 17, 2028. When the user requests capture into the application through the confirmation screen D21, the user terminal 201 acquires display control information from the capture management device 101.

[0108] When capturing the card C2, the balance management unit 1018 acquires the second card identification information of the card C2 from the user terminal 201. The balance management unit 1018 determines whether the second balance can be replaced with the payment identification information based on the second balance information indicating the second balance of the card C2. When the second balance can be replaced, the balance management unit 1018 enables a payment using the second balance by further associating the second balance with the application payment identification information, and disables the payment based on the second card identification information. The balance management unit 1018 transmits all the information of the total balance or individual balances of the first balance and the second balance associated with the application payment identification information to the user terminal 201.

[0109] If display of the card face image is permitted, card face image IG2 is displayed on the result screen D31. If display of the card face image is not permitted, a predetermined image IG3 is displayed on the result screen D32. At this time, the result screen displays the total balance, which is the sum of the balances of multiple cards associated with the application payment identification information, as the application balance. The result screens D31 and D32 may also display the expiration date of the application balance. In this way, when multiple card face images are imported into the payment application 20121, the user can set an image of their choice. Furthermore, by displaying the sum of multiple balances, the user can grasp the total amount of electronic value that they can use for payment, thereby improving convenience.

[0110] In the above embodiment, an example was described in which a card face image can be displayed when the card is within the expiration date and has a balance, but the card face image may also be able to be imported when there is no balance (0 yen) on the card or when the expiration date has passed. In this case, for example, after obtaining the card identification information in Figure 5, the processing of step S513 may be executed, and a determination of whether or not import is possible based on the balance may not be made. Also, the processing from steps S806 to S811 in Figure 8 may be omitted.

[0111] The above-described embodiments are intended to facilitate understanding of the present invention and are not intended to limit the present invention. The elements of the embodiments, as well as their arrangement, conditions, shape, size, etc., are not limited to those illustrated and can be modified as appropriate. Furthermore, configurations shown in different embodiments can be partially substituted or combined with each other.

[0112] The above has described the present embodiment. The capture management system 10 according to one aspect of the present disclosure acquires image information in which a card face image to be printed on a card associated with a balance of electronic value is associated with display permission information indicating whether the card face image is permitted to be displayed on the user terminal of the user, acquires image specification information used to specify the card face image via a payment application 20121 installed on the user terminal, and transmits display control information to the user terminal that controls the display of the card face image in the payment application 20121 based on the display permission information associated with the card face image specified by the image specification information.

[0113] The capture management device 101 allows the user to set whether or not various images to be printed on the card are to be displayed on the user terminal 201, and makes it possible to control the display of card images on the user terminal 201. This allows, for example, a card provider who applies a design to a card to manage images in accordance with their own wishes.

[0114] In the above embodiment, the card face image is further associated with image feature information that is generated based on the card face image and includes features of the card face image, and the image identification information is information that is generated based on a captured image of the card face and includes features of the captured image, and the capture management device 101 may further perform the following: based on the image identification information and the image feature information, identify the card face image corresponding to the image identification information, and obtain displayability information associated with the identified card face image.

[0115] This makes it possible to identify the card face image based on information including the characteristics of the captured image and image feature information, and then determine whether or not to display the card face image and control the display on the user terminal 201. Since there is no need to use card identification information when determining whether or not to display the card face image, for example, when a card printing company prints a card face image on a card manufactured as a white card, the card printing company does not need to register card identification information in the capture management device 101. This reduces the burden of registration work on the card printing company.

[0116] In the above aspect, when the display permission information indicates that the display of the face image of the card is permitted, the display control information includes information that enables the display of the face image of the card. When the display permission information indicates that the display of the face image of the card is not permitted, the display control information may include information indicating that a predetermined image different from the face image of the card is to be displayed.

[0117] Thus, when a card is captured by the user terminal 201, if the face image of the card is displayable, the face image of the card is displayed on the user terminal 201. Therefore, the user can capture the design of the actual card to be captured that he / she owns and use the payment application 20121. Also, when the face image of the card is not displayable, by displaying a separate image, the user can grasp that the face image of the actual card to be captured cannot be displayed in the payment application 20121. Thereby, for example, the user can determine whether it is necessary to store the actual card that could be captured without storing it, and store the actual card that could not be captured, etc., improving the convenience for the user.

[0118] In the above aspect, card identification information printed on the card is further associated with the face image of the card, the image identification information is the card identification information, and the capture management device 101 further executes identifying the face image corresponding to the card identification information based on the card identification information acquired from the user terminal and the card identification information associated with the face image, and acquiring the display permission information associated with the identified face image.

[0119] Thereby, based on the card identification information, it becomes possible to identify the face image of the card and acquire the display permission information. Therefore, when capturing a card into the payment application 20121, the user only needs to transmit the card identification information to the capture management device 101 and can obtain the results of the determination of whether capture is possible and the determination of image display. Therefore, the convenience for the user at the time of capture is improved.

[0120] In the above aspect, the capture management device 101 may further perform the following operations: acquire card identification information of the card from the user terminal; acquire balance information indicating the balance of the card corresponding to the card identification information; determine based on the balance information whether the balance can be transferred from the card identification information to app payment identification information used for payment by the payment application 20121; if the balance can be transferred, associate the balance with the payment identification information to enable payment using the balance and disable payment based on the card identification information; and send the balance information to the user terminal.

[0121] This means that payments cannot be made using the imported card and the balance can only be used for payments using the payment application 20121, so the user no longer needs to store and manage the physical card, improving user convenience.

[0122] In the above aspect, the card is a card C1 having a first balance, the balance information is first balance information, and the acquisition management device 101 further executes the following: acquiring second card identification information of a card C2 different from card C1 from the user terminal; determining whether the second balance can be transferred to payment identification information based on the second balance information indicating the second balance of the second card corresponding to the second card identification information; if the second balance can be transferred, further associating the second balance with the app payment identification information to enable payment using the second balance and disallow payment based on the second card identification information; and transmitting balance information to the user terminal so that the first balance and the second balance are added together and displayed on the user terminal.

[0123] This allows the balances of multiple imported cards to be added together and displayed, allowing the user to grasp the total amount of electronic value that can be used for payments, thereby improving user convenience.

[0124] The user terminal 201 acquires image identification information used to identify a face value image printed on a card associated with the balance of electronic value, transmits the image identification information to an information processing device storing image information in which the image identification information is associated with display permission information indicating whether or not to permit the face value image to be displayed on the user terminal, acquires display control information for controlling the display of the face value image on the user terminal 201 based on the display permission information associated with the face value image identified by the image identification information from the information processing device, and displays a display image on the user terminal 201 based on the display control information.

[0125] Thereby, when the card is incorporated into the payment application 20121, the display regarding the face value image on the user terminal 201 can be controlled.

[0126] In the above aspect, the user terminal 201 further acquires card identification information of the card from the user terminal, transmits the card identification information to an information processing device storing balance information indicating the balance of the card corresponding to the card identification information, acquires the balance information from the information processing device, and associates and displays the display image and the balance information on the user terminal based on the display control information and the balance information.

[0127] Thereby, the display image corresponding to the card can be displayed together with the balance of the incorporated card, so that the user can grasp the balance information of the card he / she has incorporated, improving convenience.

[0128] In the above aspect, the card is a first card having a first balance, and the user terminal 201 acquires second card identification information of a second card different from the first card, transmits the second card identification information to an intake management device 101 storing balance information including the second balance of the second card, and may further execute associating and displaying on the user terminal the display image and the total balance obtained by adding the first balance and the second balance.

[0129] This allows the balances of multiple imported cards to be added together and displayed, allowing the user to grasp the total amount of electronic value that they can use for payments, thereby improving user convenience. [Explanation of symbols]

[0130] 10...import management system, 101...import management device, 201...user terminal, 301...card printing business device, 1013...card identification information registration unit, 1014...image information acquisition unit, 1015...image identification information acquisition unit, 1016...card face image identification unit, 1017...display control information transmission unit, 1018...balance management unit, 20121...payment application, 20122...app payment identification information

Claims

1. to cause a computer to obtain image information associated with a face image printed on a card with an associated balance of electronic value and display permission information indicating whether or not to permit the face image to be displayed on a user terminal of the user; obtain, through a payment application installed on the user terminal, image identification information used to identify the face image; transmit, to the user terminal, display control information for controlling display of the face image in the payment application based on the display permission information associated with the face image identified by the image identification information; a program.

2. The program according to claim 1, wherein the image information is further associated with image feature information including features of the face image generated based on the face image; wherein the image identification information is information including features of the photographed image generated based on a photographed image of the face of the card; to cause the computer to identify the face image corresponding to the image identification information based on the image identification information and the image feature information; obtain the display permission information associated with the identified face image; and further execute; a program.

3. The program according to claim 1, wherein when the display permission information indicates permission to display the face image, the display control information includes information enabling display of the face image; wherein when the display permission information indicates non - permission to display the face image, the display control information includes information indicating display of a predetermined image different from the face image; a program.

4. The program according to claim 1, wherein the face image is further associated with card identification information printed on the card; wherein the image identification information is the card identification information; to cause the computer to identify the face image corresponding to the card identification information based on the card identification information obtained from the user terminal and the card identification information associated with the face image; obtain the display permission information associated with the identified face image; and further execute; a program.

5. The program according to claim 1, to cause the computer to obtain the card identification information of the card from the user terminal; Obtaining balance information indicating the balance of the card corresponding to the card identification information; Based on the balance information, determining from the card identification information whether the balance can be switched to payment identification information used for payment by the payment application; When the balance can be switched, enabling payment using the balance associated with the payment identification information and disabling payment based on the card identification information; A program that further causes the balance information to be transmitted to the user terminal.

6. The program according to claim 5, wherein the card is a first card having a first balance, and the balance information is first balance information; The computer, obtaining second card identification information of a second card different from the first card from the user terminal; Based on second balance information indicating the second balance of the second card corresponding to the second card identification information, determining whether the second balance can be switched to payment identification information; When the second balance can be switched, further associating the second balance with the payment identification information to enable payment using the second balance and disabling payment based on the second card identification information; A program that further causes the balance information for the first balance and the second balance to be added up and displayed on the user terminal to be transmitted to the user terminal.

7. The computer, obtaining image information associated with a face value image printed on a card associated with a balance of electronic value and display permission information indicating whether the face value image is permitted to be displayed on the user's user terminal; Obtaining image identification information used to identify the face value image through a payment application installed on the user terminal; A method including transmitting display control information for controlling the display of the face value image in the payment application to the user terminal based on the display permission information associated with the face value image identified by the image identification information.

8. An image information acquisition unit that acquires image information associated with a face value image printed on a card associated with a balance of electronic value and display permission information indicating whether the face value image is permitted to be displayed on the user's user terminal; An image identification information acquisition unit that acquires image identification information used for identifying the coupon face image through a payment application installed on a user terminal; A display control information transmission unit that transmits display control information for controlling the display of the coupon face image in the payment application to the user terminal based on the display permission information associated with the coupon face image identified by the image identification information. An information processing apparatus comprising:

9. On a user terminal, Obtaining image identification information used for identifying a coupon face image printed on a card associated with a balance of electronic value; Transmitting the image identification information to an information processing apparatus storing image information in which the coupon face image is associated with display permission information indicating whether or not the coupon face image is permitted to be displayed on the user terminal; Obtaining, from the information processing apparatus, display control information for controlling the display of the coupon face image on the user terminal based on the display permission information associated with the coupon face image identified by the image identification information; A program for causing the user terminal to display a display image based on the display control information.

10. The program according to claim 9, On the user terminal, Obtaining card identification information of the card from the user terminal; Transmitting the card identification information to an information processing apparatus storing balance information indicating the balance of the card corresponding to the card identification information; Obtaining the balance information from the information processing apparatus; A program for further causing the user terminal to associate and display the display image and the balance information based on the display control information and the balance information.

11. The program according to claim 10, The card is a first card having a first balance, On the user terminal, Obtaining second card identification information of a second card different from the first card; Transmitting the second card identification information to the information processing apparatus storing the balance information including the second balance of the second card; A program for further causing the user terminal to associate and display the display image with a total balance obtained by adding the first balance and the second balance.

12. A user terminal Obtaining image identification information used for identifying a coupon face image printed on a card associated with a balance of electronic value; transmitting the image identification information to an information processing apparatus in which image information is stored, the image information being associated with the face image of the ticket and display permission information indicating whether or not to permit the face image to be displayed on the user terminal; acquiring, from the information processing apparatus, display control information for controlling the display of the face image on the user terminal based on the display permission information associated with the face image specified by the image identification information; displaying a display image on the user terminal based on the display control information. A method comprising the above steps.

Images