Card management device and program

Abstract

To surely increase the number of card users by placing an image unique to a user on a card without the need to examine the contents of the image. [Solution] In response to operation of a user terminal 30, a card management server 10 cooperates with an NFT server 20 of the issuer of the NFT image of which the card user is the holder to obtain an NFT image M1 selected by the card user. When the card user selects an arbitrary background from multiple backgrounds, including a dedicated background BGS and a common background BGCn for each NFT collection, a card image of an NFT card designed with the obtained NFT image M1 of the card user and the selected background BGS is created, and an application for the NFT card is accepted. If the card user is creditworthy, an NFT card is issued, and a digital card CD1 of the NFT card is made usable (displayable) on the user terminal 30, and a physical card CA1 of the NFT card is mailed to the card user.

Description

[Technical Field]

[0001] An embodiment of the present invention relates to a card management device and a program. [Background technology]

[0002] Conventionally, a card production support device has been devised that, when applying for a credit card, allows a user making an application to provide a card issuer with a unique image of the user, for example, a photograph of the user's pet, and enables the card issuer to issue a credit card with an original design with the user's unique image printed on the card face.

[0003] Cardholders have the option of using credit cards with their own personal images, such as their pets, printed on them. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2000-190669 [Non-patent literature]

[0005] [Non-Patent Document 1] Orient Corporation's corporate and IR information, [online], [searched December 5, 2023], Internet<URL:https: / / www.orico.co.jp / company / news / 2012 / 0207.html> Summary of the Invention [Problem to be solved by the invention]

[0006] Conventional card creation support devices issue credit cards with original designs with the user's unique image printed on the face of the card, which provides a strong motivation for users to apply for a card, but the content of the image printed on the face of the card is examined to see if it meets predetermined standards (for example, no images that violate public order and morals), and if it does not, the card is not issued.

[0007] To provide a card management device and a program which can surely increase the number of card users by placing an image unique to each user on a card without the need to examine the contents of the image. [Means for solving the problem]

[0008] The card management device of the present invention comprises: A card management device having a communication function with a user terminal of a user, In response to the operation of the user terminal, a process of linking with an NFT server of an issuer that issues an NFT image and acquiring an NFT image of which the user is the owner; A process of acquiring credit information of the user, and if the user is creditworthy, issuing a first NFT card carrying the acquired NFT image to the user; A process of making the first NFT card displayable on the user terminal as a digital card; When a request to change the first NFT card is accepted in response to an operation of the user terminal of the user who issued the first NFT card, a process of again cooperating with the NFT server and acquiring a new NFT image of which the user is the owner; A process of displaying a second NFT card carrying the new NFT image instead of the acquired NFT image on the user terminal as a digital card; and having the user select either the first NFT card or the second NFT card; If the first NFT card is selected by the user, the first NFT card is made displayable on the user terminal as a digital card; If the second NFT card is selected by the user, the second NFT card is made displayable on the user terminal as a digital card; It is equipped with a control unit. [Effects of the Invention]

[0009] According to the card management device of the present invention, it is possible to surely increase the number of card users by placing an image that is unique to each user on the card without the need to examine the content of the image. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a schematic diagram showing the overall configuration of a card management system 1 according to an embodiment of the present invention. [Figure 2] FIG. 2 is a block diagram showing the configuration of a card management server 10. [Figure 3] A figure showing an example of the contents of NFT image management data 20D for managing NFT images stored in the database DBN of the NFT server 20. [Figure 4] FIG. 2 is a block diagram showing the configuration of a user terminal 30. [Figure 5] 10 is a flowchart showing an NFT card application acceptance process (part 1) of the card management server 10. [Figure 6] 10 is a flowchart showing the NFT card application acceptance process (part 2) of the card management server 10. [Figure 7] A figure showing an example of a screen transition for selecting an NFT image Mn of a card user displayed on the user terminal 30 in accordance with the NFT card application acceptance process (part 1) of the card management server 10. [Figure 8] A figure showing an example of screen transitions for creating and registering a card image IMG designed using an NFT image Mn and its background, displayed on the user terminal 30 in accordance with the NFT card application acceptance process (part 1) of the card management server 10. [Figure 9] A figure showing an example of screen transitions for inputting personal identification information and user information displayed on the user terminal 30 in accordance with the NFT card application acceptance process (part 2) of the card management server 10. [Figure 10] 10 is a flowchart showing an NFT card issuing process of the card management server 10. [Figure 11] 10 is a flowchart showing card usage handling processing of the card management server 10. [Figure 12] 10 is a flowchart showing the NFT card dress-up process of the card management server 10. [Figure 13]A diagram showing the state in which an NFT card (digital card) CD1 is displayed on the user terminal 30 in accordance with the card usage support processing of the card management server 10. DETAILED DESCRIPTION OF THE INVENTION

[0011] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

[0012] (Configuration of the embodiment) FIG. 1 is a schematic diagram showing the overall configuration of a card management system 1 according to an embodiment of the present invention.

[0013] The card management system 1 includes a card management server 10 (card management device) of the card issuing company, an NFT server 20 (for each NFT collection) of the issuer (owner) of an NFT (Non-Fungible Token) image who has accepted the linkage request from the card issuing company, a user terminal 30 (user terminal) of a card user who applies for issuance of an NFT card to the card issuing company or is the user of an NFT card issued by the card issuing company, and a credit information providing server 40 that provides the card user's credit information to the card management server 10.

[0014] The card management server 10, the NFT server 20, the user terminal 30, and the credit information providing server 40 all have communication functions that enable them to communicate via a public communication network (Internet) N.

[0015] Furthermore, NFT images issued by issuers of NFT images are confirmed to not violate public order and morals, for example, through a pre-screening conducted by the issuer itself. Card users include holders (users) of NFT images who have access to NFT images, which are digital items issued by issuers of NFT images.

[0016] The NFT image management function by the NFT server 20 and the credit information provision function by the credit information provision server 40 may be provided by the card management server 10.

[0017] Furthermore, the card management server 10 is not limited to a single server, but may be configured such that a plurality of servers work together to achieve the desired function.

[0018] The user terminal 30 is a terminal such as a smartphone, tablet terminal, or personal computer that is registered with the card management server 10 as a terminal used by a card user.

[0019] The user terminal 30 downloads and installs an NFT storage app 32p2 (see Figure 4) that enables the user terminal 30 to function as a digital wallet for storing and managing NFT images owned by the card user, and a card application and usage app 32p3 (see Figure 4) that the card issuer provides to the card user, from a program server (here, an app store) (not shown) on the communication network (Internet) N.

[0020] The card management server 10 is communicatively connected to the member store terminals of member stores of cards issued by card issuers via a card payment online network (not shown).

[0021] In the card management system 1 of the embodiment, the card management server 10 has at least the following functions (a) to (j).

[0022] (a) A function to accept applications for NFT cards from user terminal 30.

[0023] (b) When accepting an application for an NFT card from the user terminal 30, a function that, in accordance with the operation of the user terminal 30, cooperates with the NFT server 20 of the issuer (NFT collection) of the NFT image of which the card user is the holder, and obtains the NFT image (M1 in Figure 1) selected by the card user from their digital wallet.

[0024] (c) A function to create and register (store) a card image (card design) of the card user's unique NFT card based on the card user's NFT image M1 obtained from the NFT server 20 and the background of the NFT image selected by the card user (BGS in Figure 1).

[0025] (d) When accepting an application for an NFT card from the user terminal 30, a function to obtain the credit information of the card user based on the personal identification information (bank account information, official identification information, etc.) and user information (name, date of birth, email address, etc.) entered from the user terminal 30, and determine whether the card user is creditworthy.

[0026] (e) If the card user is creditworthy, an NFT card is issued to the card user, and information about the issued NFT card [user ID (e.g., "app ID"), password, card number, card image (card image including NFT image and background)], information about the card user (terminal device number, name, email address, telephone number, etc.), and information about the use of the NFT card (card number, date and time of use, name of the store used, amount used, payment method, etc.) are associated and managed in a database DBM, and the NFT card (digital card) CD1 can be used (displayed on the user terminal 30).

[0027] (f) A function to instruct the mailing of an NFT card (physical card) CA1 printed with a registered card image (card image including an NFT image and background) to the card user in accordance with the operation of the user terminal 30.

[0028] (g) A function to display an NFT card (digital card) CD1 managed in the database DBM in association with information about the card user of the user terminal 30 in response to a request for a digital card from the user terminal 30.

[0029] (h) A function that, in response to a request from the user terminal 30 to change the look of an NFT card, again cooperates with the NFT server 20 of the issuer of the NFT image of which the card user is the holder, and obtains a new NFT image for change that is selected by the card user from the digital wallet and is different from the NFT image of the NFT card currently being used by the card user.

[0030] (i) A function to create a new card image of the card user's unique NFT card after the dress-up based on the NFT image for the card user's dress-up obtained from the NFT server 20 and the background newly selected by the card user, and to change and register (store) the card image of the NFT card before the dress-up.

[0031] (j) A function to instruct the card user to mail the customized NFT card (physical card) CA1, which has the card image (card image including the NFT image and background) printed on it and has been changed and registered in accordance with the operation of the user terminal 30.

[0032] When creating a card image (card design) for an NFT card, the background of the NFT image selected by the card user can include a dedicated background BGS designed (defined) in advance for each NFT image issuer (NFT collection), and backgrounds BGC1 and BGC2 (see Figure 8(B)) that are common to different NFT collections. Of course, the number of options for the common background BGCn is not limited to two.

[0033] <Configuration of card management server 10> FIG. 2 is a block diagram showing the configuration of the card management server 10. As shown in FIG.

[0034] The card management server 10 includes a control unit 11 (CPU: processor). The control unit 11 (CPU) may include multiple CPUs (processors).

[0035] The control unit 11 (CPU) controls the operation of each part of the circuit and executes various functions in accordance with a program pre-stored in a storage unit 12 such as a hard disk or flash memory, a program read by a storage medium reading unit 14 from an external storage medium 13 such as a CD-ROM and stored in the storage unit 12, or a program downloaded via a communication unit 15 from a web server (in this case, a program server) (not shown) on the communication network N and stored in the storage unit 12.

[0036] The storage unit 12 may be composed of one or more storage units.

[0037] The control unit 11 is connected to a memory unit 12, a recording medium reading unit 14, a communication unit 15 which is a communication interface with the communication network N, an input unit 16 such as a keyboard and a pointing device, and a display unit 17 via a system bus (Bus).

[0038] The storage unit 12 has a plurality of types of data storage areas, such as a program storage area 12P and a management data storage area (database) 12D.

[0039] The program storage area 12P stores a server system program 12p1 that controls the entire card management server 10, as well as a card application acceptance application 12p2, an NFT server linkage application 12pNF, a card issuance application 12p3, and a card usage support application 12p4.

[0040] The card application acceptance app 12p2 is a program that works in conjunction with the card application / usage app 32p3 (see FIG. 4) installed on the user terminal 30 to accept applications for NFT cards from card users in response to operations on the user terminal 30, and includes programs for executing the above-mentioned functions (a) to (c).

[0041] The NFT server linkage app 12pNF is a program that links with the NFT server 20 during the process of accepting an NFT card application from a card user in response to operation of the user terminal 30, and acquires an NFT image selected by the card user and of which the card user is the owner (acquired based on the URL (Uniform Resource Locator) of the storage location of the NFT image), and includes a program for executing the above-mentioned function (b).

[0042] The card issuance application 12p3 is a program that works in conjunction with the card application / usage application 32p3 (see Figure 4) installed on the user terminal 30 to issue a card to the card user based on the details of the card application accepted from the user terminal 30, and includes programs for executing the above-mentioned functions (d) to (f).

[0043] The card usage support app 12p4 is a program that works in conjunction with the card application / usage app 32p3 (see FIG. 4) installed on the user terminal 30 to display the NFT card (digital card) CD1 on the user terminal 30, and calculates the payment amount for each specified card usage period, which is determined by the monthly card usage deadline, for example, based on the card user's usage amount, the payment method for each usage (one-time payment / installment payment / revolving payment), a preset interest rate, etc., depending on the usage of the NFT card (digital card) CD1 or NFT card (physical card) CA1, and displays the usage amount and the calculated payment amount on the card user's user terminal 30.

[0044] Furthermore, the card usage application 12p4 is a program that, in response to a request from the user terminal 30 to change the appearance of an NFT card, again cooperates with the NFT server 20, changes the NFT images of the NFT card (digital card) CD1 and NFT card (physical card) CA1 currently being used by the card user to different NFT images newly selected by the card user, and changes the appearance of the NFT cards CD1 and CA1. The card usage application 12p4 includes programs for executing the above-mentioned functions (g) to (j).

[0045] It should be noted that the card application acceptance application 12p2, the NFT server linkage application 12pNF, the card issuance application 12p3, and the card usage support application 12p4 naturally link with each other, but may also be configured as five or more application programs that further subdivide the functions they perform, or as three or fewer programs.

[0046] The management data storage area 12D stores NFT collection management data 12dNF, card application management data 12d1, card user management data 12d2, card usage data 12d3, etc.

[0047] The NFT collection management data 12dNF stores, for example, when a card user selects an NFT image of which they are the owner in response to operation of the user terminal 30, the NFT selection destination URL of the NFT server 20 (for each NFT collection), which is the entry point for selecting the NFT image, and a background dedicated to the NFT image of the NFT collection.

[0048] The card application management data 12d1 stores various data such as the terminal device number, card image (NFT image and its background (dedicated or common)), telephone number, personal identification information (bank account information, official identification information, etc.), and user information (name, date of birth, email address, etc.) for each card user (user terminal 30) who applied for an NFT card, in correspondence with each other.

[0049] The card user management data 12d2 stores various data such as the user ID (e.g., an identification number such as an "app ID"), password, card number, card image (NFT image and its background (dedicated or shared)), terminal device number, name, email address, telephone number, awarded points, and credit status for each card user (user terminal 30) who has been issued a card, in correspondence with each other.

[0050] The credit status may include a credit status based on the credit information of the relevant card user provided by an external credit information providing server 40.

[0051] The card usage data 12d3 stores the finalized data of the card usage amount corresponding to the card usage by the card user as the creditor's rights data for each card user. The creditor's rights data includes data such as the card number, usage date and time, name of the usage store, usage amount, payment method (one-time / installment / ribbon), usage limit amount, and payment status (including payment delay).

[0052] The card management server 10 configured as described above has the control unit 11 controlling the operations of each part of the circuit according to the instructions described in each of the programs 12p1 to 12p4 and 12pNF. By the cooperation of software and hardware, various functions including the NFT card application reception function (see FIGS. 5 and 6), the NFT card issuance function (see FIG. 10), and the card usage response function (see FIGS. 11 and 12), as described in the following operation description, are realized.

[0053] <Configuration of NFT Server 20> The hardware configuration of the NFT server 20 is, for example, the same as that of the card management server 10, and is configured to include a control unit, a storage unit, a recording medium reading unit, a communication unit, an input unit, a display unit, and the like.

[0054] FIG. 3 is a diagram showing an example of the content of the NFT image management data 20D for managing the NFT images stored in the database DBN of the NFT server 20.

[0055] In the NFT image management data 20D, for each of the NFT images (1 to n) issued by the issuer of the NFT image, for example, the token ID (ID1 to IDn) which is the digital identifier of the NFT image, the URL (URL1 to URLn) which is the storage destination (storage location) of the NFT image (digital item), the holder information of the NFT image (terminal device number, name, email address, etc.), the contract address (Ctr1 to Ctrn) which is the unique address of the NFT image, and the like are associated and stored.

[0056] <Configuration of User Terminal 30> FIG. 4 is a block diagram showing the configuration of the user terminal 30. As shown in FIG.

[0057] The user terminal 30 includes a control unit 31 (CPU: processor). The control unit 31 (CPU) may include multiple CPUs (processors).

[0058] The control unit 31 (CPU) controls the operation of each part of the circuit and executes various functions in accordance with a program pre-stored in a memory unit 32 such as a flash memory, a program read by a recording medium reading unit 34 from an external recording medium 33 such as a memory card and stored in the memory unit 32, or a program downloaded via a communication unit 36 ​​from a web server (in this case, a program server) (not shown) on the communication network N and stored in the memory unit 32.

[0059] The control unit 31 is connected to a storage unit 32, a recording medium reading unit 34, a communication unit 36 ​​which is a communication interface with the communication network N, a touch panel display unit 35, and the like via a system bus.

[0060] The storage unit 32 has a plurality of types of data storage areas, such as a terminal data storage area 32R, a program storage area 32P, and a work data storage area 32W.

[0061] The terminal data storage area 32R stores various data (terminal device information) such as a terminal device number unique to the user terminal 30, an email address, and a telephone number.

[0062] The program storage area 32P stores a terminal system program 32p1 that controls the entire user terminal 30, as well as an NFT storage application 32p2, a card application / usage application 32p3, and the like.

[0063] The NFT storage app 32p2 is a program downloaded and installed from a program server (here, an app store) (not shown) on the communication network N, and is a program that enables the user terminal 30 to function as a digital wallet that works in conjunction with the NFT server 20 to store and manage NFTs (including NFT images) held by the card user.

[0064] The card application / usage app 32p3 is a program downloaded and installed from a program server (here, an app store) (not shown) on the communication network N based on terminal device information specific to the user terminal 30, and is a program that works in conjunction with the card management server 10 to generate and display display screens for applying for, issuing, using, and changing the appearance of NFT cards.

[0065] After the card management server 10 issues an NFT card to the user terminal 30, the card application / usage application 32p3 may include data of the NFT card (digital card) CD1.

[0066] The work data storage area 32W stores data 32w1 for generating a display screen, display data 32w2 in a bitmap format for display on the touch panel display unit 35, and the like.

[0067] As the display screen generation data 32w1, data for generating various screens transmitted from the card management server 10 or the NFT server 20 is received and stored in the user terminal 30.

[0068] The data for various screens stored as the display screen generating data 32w1 is written as display data 32w2 at the timing when each screen is to be displayed, and is displayed on the touch panel display unit .

[0069] The user terminal 30 configured as described above enables the control unit 31 to control the operations of each part of the circuit according to the instructions described in each program 32p1 to 32p3, and realizes various functions including the display screen generation and display function as described in the following operation description by the cooperation of software and hardware.

[0070] (Operation of the Embodiment) Next, the operation of the card management system 1 according to the embodiment will be described.

[0071] <NFT Card Application Reception Function> FIG. 5 is a flowchart showing the NFT card application reception process (Part 1) of the card management server 10.

[0072] FIG. 6 is a flowchart showing the NFT card application reception process (Part 2) of the card management server 10.

[0073] FIG. 7 is a diagram showing an example of screen transition for selecting the NFT image Mn of the card user displayed on the user terminal 30 according to the NFT card application reception process (Part 1) of the card management server 10.

[0074] FIG. 8 is a diagram showing an example of screen transition for creating and registering the card image IMG designed with the NFT image Mn and its background displayed on the user terminal 30 according to the NFT card application reception process (Part 1) of the card management server 10.

[0075] FIG. 9 is a diagram showing an example of screen transition for inputting the personal confirmation information and user information displayed on the user terminal 30 according to the NFT card application reception process (Part 2) of the card management server 10.

[0076] When the user terminal 30 is connected to the card management server 10 via communication and an item related to an NFT card is selected on the home screen (not shown) displayed on the user terminal 30 by the card management server 10, the control unit 11 of the card management server 10 causes the touch panel display unit 35 of the user terminal 30 to display an NFT card application screen GM1, which is the initial screen for accepting applications for NFT cards, as shown in Figure 7(A), for example (step S1).

[0077] The NFT card application screen GM1 displays NFT collection items (here, Collection A to Collection C) to allow the card user applying for an NFT card to select one of the NFT collections of one or more NFT issuers that have accepted the collaboration request from the card issuer that operates the card management server 10.

[0078] On the NFT card application screen GM1, when the card user applying for an NFT card touches an NFT collection item of an NFT image that the card user owns to select it, and touches the [Create card image] button B1, the card management server 10 determines that there is a request to create an NFT card (step S2 (Yes)). The control unit 11 initiates cooperation with the NFT server 20 of the issuer of the selected NFT collection in accordance with the NFT selection destination URL of the NFT collection selected by the card user, which is included in the NFT collection management data 12dNF (step NS1), and displays an NFT selection entrance screen GM2, which serves as an entrance for the card user to select the NFT image they want to design on their NFT card, on the touch panel display unit 35 of the user terminal 30 (step NS2), as shown in FIG. 7(B), for example.

[0079] When the card user touches the [Connect Wallet] button and the [Next] button B2 on the NFT selection entrance screen GM2, the NFT server 20 launches the NFT storage app 32p2 on the user terminal 30 and displays the NFT wallet screen GW on the user terminal 30, for example, as shown in Figure 7(C) (step NS3).

[0080] On the NFT wallet screen GW, for example, when the account of the card user (NFT holder) is selected and the [Next] button is touched, the NFT server 20 displays the NFT selection screen GM3 on the user terminal 30, as shown in Fig. 7(D). Then, when the card user touches the [Open Wallet] button and the [Next] button B2 on the NFT selection screen GM3, the NFT server 20 reads one or more NFT images (here, three NFT images M1 to M3) held by the card user of the connected user terminal 30 from the NFT image management data 20D (see Fig. 3) stored in the database DBN of the NFT server 20, as shown in Fig. 7(E), and displays an individual selection screen GM4 on the user terminal 30 to allow the user to select any individual (NFT image) from among them (step NS4).

[0081] On the individual selection screen GM4, when the card user touches and selects any NFT image (here, NFT image M1) and touches the [Next] button B2, the NFT server 20 displays the selected NFT image M1 with a cursor Cr and notifies the card management server 10 of the URL where the NFT image M1 is stored to cooperate (step NS5).

[0082] When the card management server 10 is notified of the URL of the storage location of the NFT image M1 selected by the card user from the NFT server 20 with which it is linked, it terminates the link with that NFT server 20 (step NS6). Based on the URL of the storage location of the NFT image obtained through linkage with the NFT server 20, the card management server 10 subsequently obtains the data of the NFT image M1 selected (held by the card user) by the card user whose application for the NFT card has been accepted, at any time necessary.

[0083] For example, as shown in Figures 8(A) to 8(C), the card management server 10 sequentially displays design creation screens (card type selection screen GM5, card background selection screen GM6, card image completion screen GM7) for creating a card image of an NFT card bearing an NFT image selected by the card user on the touch panel display unit 35 of the user terminal 30, and creates a card image with a card design in accordance with the operation of the user terminal 30 (steps S3, S4).

[0084] That is, the card management server 10 causes the user terminal 30 to display a card type selection screen GM5, which includes an item prompting the user to select either a [landscape card] or a [portrait card], as shown in FIG. 8(A).

[0085] When the card user selects the [Horizontal card] or [Vertical card] item on the card type selection screen GM5 and operates the [Next] button B2, the card management server 10, based on the URL of the storage location of the NFT image M1 notified through cooperation with the NFT server 20, displays on the user terminal 30 a card background selection screen GM6, as shown in Figure 8(B), in which the background of the NFT image M1 (the background of the NFT card) is presented as a choice between a background BGS dedicated to the NFT collection of the NFT image M1 stored as NFT collection management data 12dNF, and backgrounds BGC1 and BGC2 common to different NFT collections prepared (stored) in advance by the card management server 10.

[0086] On the card background selection screen GM6, when the card user selects the background of the NFT card (here, a dedicated background BGS) and operates the [Next] button B2, the card image completion screen GM7 is displayed on the user terminal 30, as shown in Figure 8 (C), showing a card image IMG of the NFT card designed using the card user's NFT image M1 and the dedicated background BGS of the NFT collection of that NFT image M1.

[0087] On the card image completion screen GM7, when the card image IMG of the NFT card created by the card user is confirmed and the [Proceed to card application] button B3 is operated, the card management server 10 registers (stores) the card image IMG of the NFT card created by the card user in the card application management data 12d1.

[0088] As shown in Figures 8(D) and 8(E), the card management server 10 sequentially displays a screen switching message screen GM8 and a card design creation completion screen GM9 on the user terminal 30, informing the card user that the creation and registration of the card image IMG of the NFT card has been completed.

[0089] In this way, when the registration of the card image IMG of the NFT card created in accordance with the operation of the user terminal 30 is completed in the card management server 10 (step S5 (Yes)), the control unit 11 downloads the card application / usage app 32p3 to the user terminal 30, launches it, and displays the home screen GA0 of the card application / usage app 32p3, as shown in Figure 9 (A) (step SA).

[0090] As shown in Figure 9(B), the control unit 11 displays an identity verification selection screen GA1 on the user terminal 30 to allow the card user to select a method of identity verification, and allows the card user to select, for example, whether to verify identity based on bank account information, or based on an official photo ID and an image of the card user's own face taken by the user terminal 30.

[0091] When the card user selects a method of identity verification (bank account information or official ID with photograph) on the identity verification selection screen GA1, the card management server 10 sequentially displays multiple identity verification screens (not shown) on the user terminal 30 to prompt the card user to sequentially input the identity verification information that needs to be obtained according to the selected identity verification method (step S6).

[0092] When the card user's personal identification information is entered according to multiple personal identification screens (not shown) displayed on the user terminal 30 (step S7 (Yes)), the card management server 10 registers the entered personal identification information in the card application management data 12d1.

[0093] Next, the card management server 10 sequentially displays on the user terminal 30 a user information input screen GA2 for allowing the card user to input the card user's user information (such as name, date of birth, and email address) and a user information confirmation screen GA3 for allowing the card user to confirm the user information entered according to the user information input screen GA2, as shown in Figures 9(C) and 9(D) (step S8).

[0094] When the user information entered by the card user is confirmed on the user information confirmation screen GA3 and the [Confirm details and apply] button B4 is operated (step S9 (Yes)), the card management server 10 registers the confirmed user information in the card application management data 12d1 and displays an application completion screen GA4 on the user terminal 30 (step S10), for example, as shown in Figure 9 (E), which includes a message indicating that the card application has been accepted.

[0095] As a result, the card image of the NFT card created by any NFT image Mn (here, NFT image M1) owned by the card user and the background of the NFT image Mn selected by the card user (here, the dedicated background BGS), the card user's personal identification information, and the card user's user information are associated with the terminal device information of the user terminal 30 and registered in the card application management data 12d1 of the card management server 10, and the acceptance of the NFT card is completed.

[0096] <NFT Card Issuing Function> FIG. 10 is a flowchart showing the NFT card issuing process of the card management server 10.

[0097] Based on, for example, the personal identification information and user information of the card user who has completed the application for the NFT card registered in the card application management data 12d1, the control unit 11 of the card management server 10 obtains the credit information of the card user from the credit information providing server 40 (step S11), and determines whether the card user can be granted credit (step S12).

[0098] When it is determined that the card user who has applied for the NFT card can be granted credit (step S12 (Yes)), the control unit 11 generates and registers the card user management data 12d2 (user ID, password, card number, card image (NFT image / background: common or dedicated), terminal device number, name, email address, phone number, etc.) of the card user who has been determined to be credit-grantable based on the card application management data 12d1 (terminal device number, card image (NFT image / background: common or dedicated), phone number, personal identification information, user information, etc.) of the card user, and executes the process of issuing the card to the card user (step S13).

[0099] The control unit 11 transmits a digital card issuance notification including a message indicating that the digital card (NFT card CD1) (see FIGS. 1 and 13(B)) has been issued to the user terminal 30 of the card user who has been issued the NFT card by email (step S14).

[0100] This allows a card user who has applied for an NFT card to display and use an NFT card (digital card) CD1 bearing an NFT image Mn that is unique to the card user and that is the owner of the card, on the user terminal 30 immediately after it is determined that the card user is creditworthy.

[0101] On the other hand, if it is determined that the card user who applied for the NFT card is not authorized (step S12 (No)), the control unit 11 sends an issuance denial notice to the user terminal 30, including a message stating that the card cannot be issued, according to, for example, the email address of the user terminal 30 that applied for the card registered in the card application management data 12d1 (step S15).

[0102] When a card user who applied for an NFT card is deemed creditworthy and a digital card (NFT card CD1) (see Figure 13(B)) is issued (steps S12 to S14), the control unit 11 of the card management server 10 sends an NFT card mailing notification email to the user terminal 30, which includes a message stating that the NFT card (physical card) CA1 (see Figure 1) will be mailed (step S16).

[0103] The control unit 11 instructs the NFT card (physical card) CA1, on which the card image of the NFT card (here, the NFT image M1 and its dedicated background BGS) is printed, to be mailed to the card user (step S17).

[0104] This allows the card user to display and use an NFT card (digital card) CD1 containing an NFT image M1 that is unique to the card user on the user terminal 30, and also allows the card user to use an NFT card (physical card) CA1 that has been sent by mail.

[0105] <Card usage support function> FIG. 11 is a flowchart showing the card usage handling process of the card management server 10.

[0106] FIG. 12 is a flowchart showing the NFT card replacement process of the card management server 10.

[0107] FIG. 13 is a diagram showing a state in which an NFT card (digital card) CD1 is displayed on the user terminal 30 according to the card usage support process of the card management server 10.

[0108] On the user terminal 30, the card application / usage app 32p3 is launched, and as shown in FIG. 13(A), in a state where the main menu GC of the card application / usage app 32p3 is displayed on the touch panel display unit 35 (step S21), when the [Digital Card] icon X of the main menu GC is touched to use the digital card, the control unit 11 of the card management server 10 determines that there is a request to use the digital card (step S22 (Yes)).

[0109] Then, as shown in FIG. 13(B), the control unit 11 of the card management server 10 displays a digital card screen GD in which the NFT card (digital card) CD1 of the card image registered in the card user management data 12d2 associated with the user ID or terminal device information of the user terminal 30 is arranged on the touch panel display unit 35 of the user terminal 30, enabling the card user to use the NFT card (digital card) CD1 (step S23).

[0110] That is, as soon as a card user who has applied for an NFT card is determined to be creditworthy by the card management server 10, the user can display and use the NFT card (digital card) CD1 created by placing the unique NFT image M1 that the user owns on the user terminal 30. And the mailed NFT card (physical card) CA1 can also be used together.

[0111] <NFT Card Replacement Function> In the user terminal 30, as shown in FIG. 13(A), with the main menu GC displayed on the touch panel display unit 35 (step S21), when the card user touches the [Dress Up] icon Z on the main menu GC to change the clothes of the NFT card (digital card CD1 and physical card CA1) (first NFT card) they are using, the control unit 11 of the card management server 10 determines that there is a request to change the clothes of the NFT card (first NFT card) (step S24 (Yes)), and proceeds to the NFT card dress-up process (step S25).

[0112] When the control unit 11 determines in the NFT card dress-up process (step S25: Figure 12) that there is a request to dress up the NFT card (step S251 (Yes)), it causes the user terminal 30 to display an NFT collection selection screen similar to the NFT card application screen GM1 shown in Figure 7 (A), for example, to allow the card user to select one of the NFT collections managed in the NFT collection management data 12dNF (step S252).

[0113] On the NFT collection selection screen, when the card user selects an NFT collection of NFT images of which the card user is the owner and which is the issuer of the NFT images that the card user wants to include on the dress-up NFT card (second NFT card) (step S253 (Yes)), the control unit 11 of the card management server 10 again executes the collaboration process (steps NS1 to NS6) with the NFT server 20 in the NFT card application acceptance process (Figure 5) described above, as shown in Figures 7(B) to 7(E), for example, and obtains the URL of the storage location of the dress-up NFT image Mn newly selected by the card user (step S254).

[0114] Then, as shown in Figures 8(A) to 8(D), for example, the control unit 11 again executes the card design creation process (steps S3 to S5) in the NFT card application acceptance process (Figure 5) described above, and creates a card image of the dressed-up NFT card (second NFT card) designed using the dress-up NFT image Mn newly selected by the card user and a background (dedicated or common) (step S255).

[0115] The control unit 11 changes the card image of the NFT card before the change (first NFT card) registered in the card user management data 12d2 to the card image of the NFT card after the change (second NFT card) created in accordance with step S255 and registers it (step S256), and sends a change completion notification including a message that the NFT card change has been completed by email to the user terminal 30 of the card user who requested the change (step S257).

[0116] The control unit 11 also instructs the card user to mail an NFT card (physical card) CA1 printed with a card image (NFT image Mn and its background: dedicated BGS or common BGCn) of the NFT card (second NFT card) after the change (step S258).

[0117] As a result, once the NFT card has been changed, the card user who requested the NFT card be changed can display and use the NFT card (digital card) CD1 (second NFT card) in which the NFT image M1, which is unique to the card user, has been changed to another NFT image Mn on the user terminal 30. The changed NFT card (physical card) CA1 (second NFT card) that has been mailed can also be used.

[0118] When an NFT card (digital card CD1 / physical card CA1) is changed, the control unit 11 of the card management server 10 may leave the card image before the change registered in the card user management data 12d2 registered, and add and register the card image after the change, rather than changing the card image before the change registered in the card user management data 12d2 to the card image after the change.

[0119] In this case, when a request to use a digital card is made from user terminal 30 to card management server 10, control unit 11 of card management server 10 may selectively place either the pre-dressing NFT card or the post-dressing NFT card on the digital card screen GD in response to an operation of user terminal 30 and display it on the user terminal 30, or may display multiple pre-dressing and post-dressing NFT cards side by side on the digital card screen GD on the user terminal 30, or may remove any one of the multiple NFT cards displayed side by side from the display in response to an operation (such as a swipe operation) of the user terminal 30, thereby allowing the multiple pre-dressing and post-dressing NFT cards (digital cards) CD1 to be freely used according to the card user's wishes. In this case, the card user may also freely use the multiple pre-dressing and post-dressing NFT cards (physical cards) CA1 according to their own wishes.

[0120] This allows card users to switch or replace multiple NFT cards (digital cards) CD1 / (physical cards) CA1 that they own, each with a different NFT image, depending on their mood at the time, for example, and card issuers can further motivate card users to use NFT cards.

[0121] (Summary of the embodiment) According to the card management system 1 of the embodiment, in response to an operation of the user terminal 30, the card management server 10 cooperates with the NFT server 20 of the issuer of the NFT image of which the card user is the holder to acquire the NFT image Mn selected by the card user, and when the card user selects an arbitrary background from among multiple backgrounds, including a dedicated background BGS and a common background BGCn for each NFT collection, creates a card image of an NFT card (first NFT card) designed with the acquired NFT image (e.g., [M1]) of the card user and the selected background (e.g., [BGS]), and accepts an application for the NFT card. The card management server 10 then determines the creditworthiness of the card user, and if creditworthy, issues the NFT card (first NFT card) for which the application was accepted, makes the NFT card (digital card) CD1 usable (displayable) on the user terminal 30, and mails the NFT card (physical card) CA1 to the card user.

[0122] As a result, a card user who applies for an NFT card can immediately display and use their unique favorite NFT card (digital card) CD1 (first NFT card) created based on an NFT image arbitrarily selected from the NFT images they own and a background arbitrarily selected from multiple backgrounds, including dedicated backgrounds and common backgrounds for each NFT collection, on their user terminal 30, provided that the card user is approved for credit, and can also use the NFT card (physical card) CA1 (first NFT card) that will be mailed to them later.

[0123] In this case, if the card user selects a background BGS exclusive to the NFT collection of the NFT image as the background for their own NFT image designed on the NFT card (digital card) CD1 / (physical card) CA1, the card user can use the NFT card CD1 / CA1 with a higher degree of uniqueness in conjunction with the NFT image they own.

[0124] Furthermore, according to the card management system 1 of the embodiment, the card management server 10 displays on the user terminal 30 an NFT card application screen GM1 that lists as options items for one or more NFT issuers (NFT collections) that have accepted the collaboration request from the card issuing company that operates the card management server 10, and allows the card user applying for an NFT card to select the NFT collection that is the issuer (issuer) of the NFT image of which the card user is the owner, thereby enabling the card user to quickly collaborate with the NFT server 20 of which the card user is the owner and issuer of the NFT image that the card user desires, and obtain the NFT image that the card user desires.

[0125] Furthermore, according to the card management system 1 of the embodiment, in response to an operation on the user terminal 30 of a card user to whom an NFT card (first NFT card) has already been issued, the card management server 10 again cooperates with the NFT server 20 of the issuer of the NFT image of which the card user is the holder, acquires a new NFT image Mn selected by the card user for dress-up, and creates a card image of the dress-up NFT card (second NFT card) designed using the acquired dress-up NFT image Mn and the background newly selected by the card user. The dress-up NFT card (digital card) CD1 (second NFT card) is then made usable (displayable) on the user terminal 30, and the dress-up NFT card (physical card) CA1 (second NFT card) is mailed to the card user.

[0126] This allows card users to easily change the NFT image they own that is displayed on the NFT card they are using with another NFT image they own, and easily use the unique, changed NFT card (digital card) CD1 / (physical card) CA1 [second NFT card].

[0127] In this case, the card management server 10, for example, selectively switches between the NFT card (digital card) before the change and the NFT card (digital card) after the change in response to the operation of the user terminal 30, and arranges and displays them on the digital card screen GD, or displays the NFT card (digital card) before the change and the NFT card (digital card) after the change side by side on the digital card screen GD, thereby enabling the card user to freely switch or replace the multiple NFT cards (digital cards) CD1 / (physical cards) CA1 they own, each carrying multiple different NFT images, according to their mood at the time, and use them with high motivation.

[0128] Therefore, according to the card management system 1 of the embodiment, it is possible to steadily increase the number of card users by placing an image that is unique to the user on the card without the need to review the content of the image.

[0129] (Other embodiments) In the card management system 1 of the above embodiment, the case where the card management server 10 issues an NFT card as a credit card has been described, but the NFT cards issued are not limited to credit cards and may be various types of cards such as prepaid cards and membership cards.

[0130] The processing methods performed by the card management server 10, NFT server 20, and user terminal 30 of the card management system 1 described in each of the above embodiments, i.e., the NFT card application acceptance processing shown in the flowcharts of Figures 5 and 6, the NFT card issuance processing shown in the flowchart of Figure 10, the card usage response processing shown in the flowchart of Figure 11, and the NFT card switching processing shown in the flowchart of Figure 12, can all be stored in recording media such as memory cards (ROM cards, RAM cards, etc.), magnetic disks (floppy (registered trademark) disks, hard disks, etc.), optical disks (CD-ROMs, DVDs, etc.), and semiconductor memories and distributed as programs that can be executed by a computer.

[0131] In addition, the program data for realizing each technique of each of the above-mentioned embodiments can be transmitted over a communication network in the form of program code, and the various functions described above can be realized by importing this program data into the communication unit of a computer (processor) of an electronic device connected to the communication network.

[0132] The present invention is not limited to the above-described embodiments, and various modifications can be made in the implementation stage without departing from the spirit of the invention. Furthermore, the embodiments may be implemented in appropriate combinations, in which case the combined effects can be obtained. Furthermore, the above-described embodiments include various inventions, and various inventions can be extracted by combining selected elements from the disclosed elements. For example, if the problem can be solved and the desired effect can be obtained even if some elements are deleted from all elements shown in the embodiments, the configuration from which these elements are deleted can be extracted as an invention. [Explanation of symbols]

[0133] 1. Card management system 10...Card management server 11...Control unit (CPU) 12...Storage section 12P...Program storage area 12p1...Server system program 12p2...Card application acceptance app 12pNF…NFT server linkage app 12p3...Card issuing app 12p4...Card-compatible app 12D...Management data storage area 12d1...Card application management data 12d2...Card user management data 12d3...Card usage data 15...Communications Department 20...NFT server 20D...NFT image management data 30...User terminal 31...Control unit (CPU) 32...Storage section 32R...Device data storage area 32P...Program storage area 32p1...Terminal system program 32p2…NFT storage app 32p3...Card application and usage app 32W...Work data storage area 32w1...Data for generating display screen 32w2...Display data 35...Touch panel display 36...Communications Department 40...Credit information server N...Communication network (Internet) GM1…NFT card application screen GM2...NFT selection entrance screen GW…NFT wallet screen GM3…NFT selection screen GM4...Individual selection screen GM6...Card background selection screen GM7...Card image completion screen Mn: NFT image owned by the card user IMG…NFT card image GC...Main Menu X ... [Digital Card] icon Z...[Dress up] icon GD...Digital card screen CD1...NFT card (digital card) CA1...NFT card (physical card)

Claims

1. A card management device having a communication function with a user terminal of a user, In response to an operation of the user terminal, a process of acquiring an NFT image of which the user is the owner by cooperating with an NFT server of an issuer that issues the NFT image; acquiring credit information of the user, and if the user is creditworthy, issuing a first NFT card carrying the acquired NFT image to the user; A process of making the first NFT card displayable as a digital card on the user terminal; When a request to change the appearance of the first NFT card is accepted in response to an operation of the user terminal of the user who issued the first NFT card, a process of again cooperating with the NFT server and acquiring a new NFT image of which the user is the owner; a process of displaying a second NFT card carrying the new NFT image instead of the acquired NFT image on the user terminal as a digital card; and causing the user to select either the first NFT card or the second NFT card; If the first NFT card is selected by the user, the first NFT card is displayed on the user terminal as a digital card; If the second NFT card is selected by the user, the second NFT card is made displayable on the user terminal as a digital card. A card management device having a control unit.

2. The process of acquiring the NFT image includes a process of acquiring an NFT image selected by the user from among a plurality of NFT images of which the user is an owner.

2. The card management device according to claim 1.

3. The issuer that issues the NFT image is an issuer that has accepted a request for cooperation from a card issuing company that operates the card management device, and if there are multiple issuers, the process of coordinating with the NFT server includes a process of coordinating with the NFT server of an issuer selected by the user from among the multiple issuers.

3. The card management device according to claim 1.

4. The control unit performing a process of allowing the user to select one of a plurality of backgrounds, including a background dedicated to the issuer's NFT collection and a background common to different NFT collections; The process of issuing the first NFT card to the user includes a process of issuing an NFT card to the user on which the acquired NFT image and a background selected by the user are placed.

3. The card management device according to claim 1.

5. The control unit mailing the first NFT card, which is a physical card bearing the NFT image, to the user; and mailing the second NFT card, which is a physical card bearing the new NFT image, to the user.

3. The card management device according to claim 1.

6. A control unit of a card management device having a communication function with a user terminal of a user, In response to an operation of the user terminal, a process of acquiring an NFT image of which the user is the owner by cooperating with an NFT server of an issuer that issues the NFT image; acquiring credit information of the user, and if the user is creditworthy, issuing a first NFT card carrying the acquired NFT image to the user; A process of making the first NFT card displayable as a digital card on the user terminal; A process of again cooperating with the NFT server in response to an operation of the user terminal of the user who issued the first NFT card, and acquiring a new NFT image of which the user is the owner; a process of displaying a second NFT card carrying the new NFT image instead of the acquired NFT image on the user terminal as a digital card; and causing the user to select either the first NFT card or the second NFT card; If the first NFT card is selected by the user, the first NFT card is displayed on the user terminal as a digital card; If the second NFT card is selected by the user, the second NFT card is made displayable on the user terminal as a digital card. program.

Images