JP7317903B2 - Display control system and program - Google Patents

Description

The present disclosure relates to a display control system, a display control method, and a program.

Conventionally, a technique for displaying a card screen related to a user's card is known. Patent Literature 1 describes a technique for switching a membership card to be displayed on a card screen from among a plurality of membership cards held by a user. Patent Literature 2 describes a technique for displaying workout history information corresponding to a card selected from a plurality of cards on a card screen. Patent Document 3 describes a technique for displaying a word card selected from a plurality of word cards on a card screen.

JP 2017-126128 A JP 2018-84888 A JP 2016-115336 A

A credit card is an example of such a card. When a plurality of pieces of credit card information are associated with user identification information, the amount of credit card information to be managed by the user increases, so there is a demand for simplifying the management of credit card information. However, the technologies disclosed in Patent Documents 1 to 3 are based on the premise of displaying card screens of cards other than credit cards, and cannot simplify management of credit card information.

One of the purposes of the present disclosure is to simplify management of credit card information.

A display control system according to the present disclosure includes acquisition means for acquiring credit card information related to each of a plurality of credit cards associated with user identification information; display control means for displaying a card screen related to the card to be displayed based on the credit card information; reception means for receiving a direction indication operation for indicating a predetermined direction when the card screen is displayed; and the card screen switches the display target card when the direction instruction operation is accepted.

According to the present disclosure, management of credit card information can be simplified.

It is a figure which shows an example of the whole structure of a display control system. It is a figure which shows an example of the screen displayed on the display part of a user terminal. 3 is a functional block diagram showing an example of functions implemented by the display control system; FIG. It is a figure which shows an example of a user database. FIG. 4 is a flow chart showing an example of processing executed by the display control system; FIG. 6 is a diagram showing an example of how the usage status of optional services is displayed on the home screen; FIG. 10 is a diagram showing an example of the order in which optional services are displayed in a semi-modal home screen; It is a figure which shows an example of a mode that an alert is displayed on a home screen. FIG. 4 shows an example of alerts associated with individual credit cards; FIG. 10 is a diagram showing an example of how the last display area is displayed by a swipe operation; FIG. 10 is a diagram showing an example of switching the display month of the display target card on the home screen. FIG. 10 is a diagram showing an example of settings for switching months displayed on the home screen;

[1. Overall configuration of display control system]
An example of an embodiment of a display control system according to the present disclosure will be described. FIG. 1 is a diagram showing an example of the overall configuration of a display control system. The display control system S includes a server 10 and user terminals 20 . Network N is any network such as the Internet or a LAN. The display control system S only needs to include at least one computer, and is not limited to the example in FIG.

Server 10 is a server computer. Control unit 11 includes at least one processor. The storage unit 12 includes a volatile memory such as RAM and a nonvolatile memory such as a hard disk. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

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

The programs or data stored in each of the storage units 12 and 22 may be supplied via the network N. In addition, for programs or data stored in a computer-readable information storage medium to read the information storage medium (for example, an optical disk drive or memory card slot), or to input/output data with an external device may be supplied via an input/output unit (eg, a USB port).

[2. Overview of display control system]
In the present embodiment, a case is taken as an example in which a user who has multiple credit cards issued by a certain credit card company uses the online service of this credit card company. For example, on-line services provide arbitrary services such as checking the usage status of individual credit cards, changing payment methods, changing usage limits, changing registration information, or cashing. A user accesses a server 10 managed by a card company with a user terminal 20 to use an online service.

FIG. 2 is a diagram showing an example of a screen displayed on the display unit 25 of the user terminal 20. As shown in FIG. In this embodiment, a case where each screen is displayed on an application provided by a card company (hereinafter referred to as a card application) will be described, but each screen may be displayed on a browser. For example, when the user terminal 20 is activated, the menu screen G1 of the user terminal 20 is displayed on the display unit 25. FIG. When the user selects the card application icon i10, the card application installed in the user terminal 20 is activated.

In this embodiment, it is assumed that the user has already registered for use of the online service and has been issued a user ID and password. When the card application is started, input of user ID and password is required. If the user has logged in in the past, predetermined authentication information may be recorded in the user terminal 20 and input of the user ID and password may be omitted using this authentication information. The login itself can use various methods, for example biometric authentication may be used.

When the login to the online service is successful, the card application home screen G2A is displayed on the display unit 25 . In FIG. 2, alphabets are added to the end of the symbols to distinguish them, such as home screens G2A, G2B, and G2C. When these are not distinguished, they are simply referred to as home screen G2, and the alphabet at the end of the code is omitted. These points are the same for modified examples described later. The home screen G2 is a screen (so-called first view) that is first displayed after the card application is activated. For example, the home screen G2A includes an information display area a20 for displaying information about the card to be displayed.

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

In the information display area a20, arbitrary information regarding the card to be displayed can be displayed. In the example of FIG. 2, the usage status of the card to be displayed for this month is displayed in the information display area a20. The current month here is the month in which the home screen G2 was displayed, which is August 2021 in the example of FIG. For example, in the information display area a20, the payment date, the image of the face of the card, the name of the card, the name of the brand, a part of the card number, whether or not the payment for this month is confirmed, the usage amount for this month, the payment confirmation date for this month, and Information such as the deadline for changing the payment method for this month is displayed.

When the user selects the button b200, the details of the usage details of the card to be displayed are displayed on the display unit 25. FIG. In the details of usage details, it is possible to display not only the usage details of this month but also the usage details of any month in the past. Under the information display area a20, the available amount of the displayed card and a gauge g21 indicating the ratio of the available amount to the available frame of the displayed card are displayed. The available limit is the upper limit of the total amount that can be used with the display target card. When the user selects the button b22, display/non-display of the usage amount in the information display area a20 and the available usage amount and the gauge g21 below it are switched. The home screen G2 also displays other information such as a button for increasing the usable frame of the card to be displayed.

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

For example, when the user performs a swipe operation in the left direction while the first credit card is displayed in the information display area a20, the information of the second credit card is loaded. Like the home screen G2B, during loading, a loading animation flows and the entire screen becomes blurred. As in the home screen G2C, when loading is completed, information about the second credit card is displayed in the information display area a20. The display of the gauge g21 etc. is also updated to the information of the second credit card. In the state of the home screen G2C, when the user performs a swipe operation in the right direction, the state returns to the state of the home screen G2A.

As described above, in the display control system S of the present embodiment, when the user performs a swipe operation in the horizontal direction on the information display area a20, the display of the home screen G2 is updated so that the card to be displayed is switched. This makes it possible to simplify the management of credit card information when the user has multiple credit cards. Hereinafter, the details of the display control system S of this embodiment will be described.

[3. Functions Realized by Display Control System]
FIG. 3 is a functional block diagram showing an example of functions realized by the display control system S. As shown in FIG.

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

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

FIG. 4 is a diagram showing an example of the user database DB. As shown in FIG. 4, the user database DB is a database that stores information about users. For example, the user database DB stores user IDs, passwords, user names, numbers indicating the number of credit cards (No in FIG. 4), and credit card information. For example, when a certain user registers for use of an online service, a new record is created in the user database DB, and information such as the user ID of this user is stored.

A user ID is an example of user identification information that can identify a user. Therefore, the user ID can be read as user identification information. User identification information is not limited to a user ID, and may be information called by another name such as a user account. Other information such as email address, phone number, or card number may be used as user identification information. In this embodiment, the user ID and password are used to log in to the online service.

The credit card information is information about credit cards. Credit card information exists for each credit card. For example, if n (n is a natural number) credit cards are associated with a certain user ID, this user ID has n pieces of credit card information. In this embodiment, of the credit card information shown in FIG. 4, the card number, expiration date, usage limit, and usage detail information will be described. Usage status information, status information, type information, alert information, and withdrawal account information will be described later in modifications.

The card number, expiration date, usage limit, and usage details information are used to display the home screen G2. The usage details information is information related to credit card usage details. For example, the usage detail information includes the date and time of use of the credit card, the place of use (for example, the store used), and the amount of use for each payment. The usage details information includes unconfirmed usage details and confirmed usage details. When a certain credit card is used, the usage statement information of this credit card is updated.

The credit card information may include other information such as an image of the face of the card, the name of the holder, a password for 3D secure, or a security code. The face image may include the face image (design) of the credit card actually held by the user, in which case the user can intuitively grasp the credit card to be displayed. However, information such as the card number that the user does not want to be known to a third party may not be included in the image of the credit card actually held by the user.

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

In this embodiment, the user ID of a certain user is associated with the credit card information of the credit card owned by the user, but may be associated with the credit card information of another person. For example, a certain user's user ID may be associated with credit card information of a credit card owned by the user's family. Alternatively, for example, the user ID of a certain user may be associated with credit card information of a credit card that the user or a family member no longer uses.

In addition, for example, a certain user's user ID may be associated with credit card information of a credit card that the user uses privately and credit card information of the company that the user works for. Since only one credit card information may be associated with a certain user ID, in this case, the obtaining unit 101 obtains only one credit card information associated with this user ID.

[Display control unit]
The display control unit 102 causes the display unit 25 to display various screens. For example, the display control unit 102 displays the home screen G2 based on the credit card information of one of the plurality of credit cards to be displayed. The display control unit 102 causes the display unit 25 to display the home screen G2 by generating display data for the home screen G2 and transmitting the data to the user terminal 20 . The display data may be in any format, for example, it may be data such as images or characters to be fitted in the screen frame defined by the card application, or if the web view or browser of the card application is used. It may be HTML data.

The home screen G2 is an example of a card screen related to cards to be displayed. Therefore, the part described as the home screen G2 can be read as the card screen. The card screen is a screen displayed based on the credit card information of the card to be displayed. The card screen may be any screen and is not limited to the home screen G2. The card screen may be a screen containing at least part of credit card information.

For example, when a certain user successfully logs in to an online service, the acquisition unit 101 acquires the credit card information of the first credit card associated with this user. The display control unit 102 determines display contents including the information display area a20 and the gauge g21 based on this credit card information. The display control unit 102 generates display data for the home screen G<b>2 based on the determined display content, and transmits the display data to the user terminal 20 .

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

A swipe operation on the information display area a20 is an example of a direction instruction operation. Therefore, the part describing the swipe operation can be read as the direction instruction operation. A direction instruction operation is an operation for switching a display target card. In the present embodiment, the case where the direction instruction operation is an operation for instructing a predetermined direction will be described, but the operation for switching the display target card may be an operation other than the direction instruction operation. For example, a tap operation, a double-tap operation, a long-press operation, or an operation of pressing a button of the operation unit 24 may correspond to the operation for switching the display target card.

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

When the accepting unit 103 accepts the swipe operation, the card to be displayed is switched. Assume that the user has n credit cards and the current card to be displayed is the k-th credit card (k is an arbitrary integer equal to or less than n). When the leftward swipe operation is accepted, the card to be displayed is the (k+1)th credit card. If the k+1 credit card does not exist, the card to be displayed is not switched. If the swipe operation in the right direction is accepted, the card to be displayed is the (k-1)th credit card. If the k-1 credit card does not exist, the card to be displayed is not switched.

When the card to be displayed is switched, the acquisition unit 101 acquires the credit card information of the card to be displayed after switching. The display control unit 102 determines the display contents of the information display area a20 and the gauge g21 based on this credit card information. The display control unit 102 generates display data for the home screen G<b>2 based on this display content, and transmits the display data to the user terminal 20 . The display control unit 201 of the user terminal 20 updates the home screen G2 based on the display data. In this home screen G2, when a swipe operation is accepted, the card to be displayed is switched.

In this embodiment, a case will be described in which communication occurs between the server 10 and the user terminal 20 each time the user performs a swipe operation. The display data may be collected at once and transmitted to the user terminal 20 . In this case, the display control unit 201 of the user terminal 20 may update the display of the home screen G2 without communicating with the server 10 every time the reception unit 202 of the user terminal 20 receives a swipe operation. Communication between the server 10 and the user terminal 20 may be performed when some kind of loading is required.

[3-2. Functions realized by the user terminal]
The data storage unit 200 is implemented mainly by the storage unit 22 . Other functions are realized mainly by the control unit 21 .

[Data storage part]
The data storage unit 200 stores data necessary for providing online services. For example, the data storage unit 200 stores card applications.

[Display control unit]
The display control unit 201 causes the display unit 25 to display various screens. For example, the display control unit 201 causes the display unit 25 to display each screen described with reference to FIG. The display control unit 201 causes the display unit 25 to display each screen based on the display data transmitted by the display control unit 102 of the server 10 .

[Reception Department]
The accepting unit 202 accepts various operations by the user. For example, the reception unit 202 receives a user's operation when each screen described with reference to FIG. 2 is displayed. The user terminal 20 transmits to the server 10 a notification according to the operation accepted by the accepting unit 202 .

[4. Processing Executed by Display Control System]
FIG. 5 is a flowchart showing an example of processing executed by the display control system S. As shown in FIG. The processing shown in FIG. 5 is executed by each of control units 11 and 21 operating according to a program stored in storage units 12 and 22, respectively.

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

The server 10 generates display data for the home screen G2 based on the credit card information acquired in S3, and transmits the display data to the user terminal 20 (S4). It is assumed that this display data includes credit card information for all credit cards associated with the user ID. This credit card information is discarded after being held in the storage unit 22 for a certain period of time. This period of time may be of any length, for example, it may be on the order of 5 minutes, or it may be longer or shorter. While the credit card information is held in the storage unit 22, the credit card displayed on the home screen G2 can be switched without calling the server 10.例文帳に追加

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

In S6, when the user performs a swipe operation on the information display area a20 (S6; swipe operation), the user terminal 20 determines whether credit card information is stored in the storage unit 22 (S8). In this embodiment, the case where the credit card information is discarded after a certain period of time has passed will be explained, but the credit card information may not be discarded even after the certain period of time has passed. In this case, after the credit card information is stored in the storage unit 22, the clocking process is executed, and the server 10 is not called even if the user performs a swipe operation until a certain period of time has passed. .

If it is determined that the credit card information is not in the storage unit 22 (S8; N), the server 10 is requested for the credit card information (S9), and the home screen G2 is brought into a loading state (S10). Upon receiving the request, the server 10 refers to the user database DB and acquires credit card information (S11). The server 10 transmits the credit card information acquired in S11 to the user terminal 20 (S12). When receiving the credit card information, the user terminal 20 causes the display unit 25 to display the home screen G2 (S13), and returns to the process of S6. In S13, the credit card information is held in the storage unit 22 as in S5. In S13, the credit card switched by the swipe operation accepted in S6 is displayed on the home screen G2.

In S8, when it is determined that the credit card information exists in the storage unit 22 (S8; Y), the processing of S10 is executed without performing the processing of S9, S11, and S12 (that is, calling the server 10). After entering the loading state, the process of S<b>13 is executed and the home screen G<b>1 is displayed on the display unit 25 . In this case, the credit card information held in the storage unit 22 is loaded, and the credit card switched by the swipe operation accepted in S6 is displayed on the home screen G2. Since the server 10 is not called, the processing load on the server 10 can be reduced. Further, since the home screen G2 can be displayed by referring to the credit card information held in the storage unit 22, it is possible to quickly switch cards by swiping.

In the present embodiment, the server 10 is called when the card application is activated, when a predetermined reload operation is performed on the home screen G1, and when the credit card information held in the storage unit 22 is discarded. (When a certain amount of time has passed since the previous call to the server 10), and when the home screen G1 is displayed after a predetermined operation is performed. This predetermined operation may be an operation for changing the service registration status after a security service or optional service modal, which will be described later, is displayed, or may be another operation.

According to the display control system S of the present embodiment, in the home screen G2, the card to be displayed is switched when a swipe operation is performed on the information display area a20. As a result, even if a plurality of credit card information are associated with the user ID, the credit card information can be checked by switching the displayed card, thereby simplifying the management of the credit card information. For example, a list of credit cards is displayed from the home screen G2, and the card is displayed by a swipe operation instead of requiring the user to perform an operation many times to switch the card to be displayed, such as selecting a credit card from the list. Since the target card is switched, the user's operation burden can be reduced.

[5. Modification]
Note that the present disclosure is not limited to the embodiments described above. Modifications can be made as appropriate without departing from the gist of the present disclosure.

[5-1. Modification 1]
For example, as shown in FIG. 4, each credit card information of a plurality of credit cards may include usage status information regarding usage status of each of a plurality of services. A plurality of services are services that can be subscribed to or canceled from online services. Each service may be any service related to credit cards, for example, a security service related to credit card security, or an optional service that can be optionally subscribed to.

In Modified Example 1, usage status information of optional services is taken as an example. For example, the usage information indicates whether or not each of a plurality of optional services is registered. Registration here means a service application. A registered service is a subscribed service. That is, the registered service is the service in use. An unregistered service is a service for which you have not subscribed. That is, an unregistered service is a service that is not used. The usage status information indicates for each optional service whether or not the user has already registered for the optional service. The user can register for optional services from the home screen G2. The user can also cancel the registered optional service.

FIG. 6 is a diagram showing an example of how the usage status of optional services is displayed on the home screen G2. The home screen G2D shows a state in which the home screen G2A in FIG. 2 is scrolled downward. The home screen G2D includes an optional service area a23 for displaying the usage status of optional services. When the user selects the option service area a23, a semi-modal m24 indicating the usage status of the option service is displayed like the home screen G2E.

The semi-modal m24 includes a detailed display area a240 showing details of individual optional services. The detailed display area a240 includes an icon i241 indicating the usage status of the optional service, and a button b242 for registering/cancelling the optional service. The user can register for this optional service by selecting the unregistered optional service button b242. The user can cancel the registration of this optional service by selecting the button b242 of the registered optional service.

The user can switch the detail display area a240 by swiping to the left on the detail display area a240. As shown in the home screens G2E to G2G in FIG. 6, when the user repeats the swipe operation in the left direction, the services to be displayed are displayed one after another, such as "automatic revolving payment", "cash advance service", and "ETC card". switch to When the user repeats the swipe operation in the right direction, the displayed services are switched back one after another.

The display control unit 102 of Modification 1 determines the display order of the optional services based on the usage status information of the card to be displayed, and displays the home screen G2 so that the optional services are arranged in the determined display order. . For example, the display control unit 102 determines the display order such that among the plurality of optional services, unregistered optional services come before registered optional services. That is, the display control unit 102 determines the display order so that the plurality of optional services are sorted according to the usage status.

FIG. 7 is a diagram showing an example of the display order of optional services in the semi-modal m24 of the home screen G2. In the example of FIG. 7, it is assumed that the user has two credit cards, and the usage status of optional services of each credit card is different from each other. The characters "unregistered" indicate that they have not been registered. The characters "Completed" indicate that registration has been completed. In the example of FIG. 7, there are nine optional services such as "automatic revolving payment".

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

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

In the example of FIG. 7, the display order of "automatic revolving payment" is fixed to be the first regardless of the usage status. In this way, the display order of specific optional services may be fixed. Contrary to the example of FIG. 7, an optional service may be defined that is displayed last. It is not necessary to fix the display order as shown in FIG.

According to Modification 1, the display order of the optional services is determined based on the usage status information of the card to be displayed, and the home screen G2 is displayed so that the optional services are arranged in the determined display order. This makes it easier for the user to grasp the usage status of the optional service.

Also, the display order is determined so that among the plurality of services, an unregistered optional service comes before a registered optional service. This makes it easier for the user to grasp unregistered optional services. In addition, registration to unregistered optional services can be promoted.

[5-2. Modification 2]
For example, as shown in FIG. 4, credit card information for each of a plurality of credit cards may include at least one of status information regarding the status of the credit card and type information regarding the type of the credit card. In the example of FIG. 4, the credit card information contains both the status information and the type information, but the credit card information may contain only one of the status information and the type information.

The credit card status is the validity of the credit card. For example, status information indicates whether a credit card has expired. Alternatively, for example, the status information indicates whether the credit card has been suspended. Status information is updated by the card issuer's administrator.

The credit card type is the ticket type of the credit card. For example, a gold card, a premium card, a corporate card, or a family card correspond to types of credit cards. For example, the credit card type may indicate the functionality of the credit card. For example, a credit card with an electronic money function or a credit card with a point card function correspond to types of credit cards. For example, the type of credit card may indicate the design of the face of the card or the partner company.

The display control unit 102 selects at least a portion of optional services from among a plurality of optional services based on at least one of the status information and type information of the display target card, and selects at least a portion of the selected optional services. Based on this, the home screen G2 is displayed. It is assumed that the relationship between at least one of the status information and type information and the service to be displayed is predetermined in the data storage unit 100 . The display control unit 102 determines to display an optional service associated with at least one of the status information and type information of the card to be displayed.

Based on the status information, the display control unit 102 determines whether or not there is an optional service that cannot be used with the display target card. The display control unit 102 displays the home screen G2 so that only usable optional services are displayed without displaying unavailable optional services. For example, if the display target card is a credit card whose status information indicates that it is not valid (expired or suspended), the display control unit 102 prevents automatic revolving payment from being displayed.

Based on the type information, the display control unit 102 determines whether or not there is an optional service that is not compatible with the card to be displayed. The display control unit 102 displays the home screen G2 so that only compatible optional services are displayed without displaying incompatible optional services. For example, if the display target card is a credit card whose type information indicates that it does not support the electronic money function, the display control unit 102 prevents the electronic money function from being displayed. The display control unit 102 may control the display of optional services based on at least one of the status information and the type information, and the display control method is not limited to these examples.

According to Modification 2, an optional service to be displayed on the home screen G2 is determined from among a plurality of optional services based on at least one of the status information and type information of the display target card, and based on the determined optional service. to display the home screen G2. This makes it possible to provide the user with useful information according to the status and type of the card to be displayed.

[5-3. Modification 3]
For example, as shown in FIG. 4, credit card information for each of a plurality of credit cards may include alert information regarding alerts for that credit card. An alert is any notification about a credit card. The content of the alert is not limited to payment, and may be of any content. For example, the alert may have various contents such as a notification prompting a predetermined operation, a campaign notification, an inquiry response notification, or a system maintenance notification. The alert information includes the content of the alert regarding this credit card for each credit card identification information (for example, card number).

In Modified Example 3, a case where an alert exists for each credit card will be described, but a common alert may exist for a plurality of credit cards. The server 10 generates alert information and stores it in the user database DB when the alert generation condition is satisfied. The condition for generating an alert may be any condition, for example, a condition that can be determined based on the expiration date of a credit card or usage statement information. Alert information may be manually registered by a card company administrator.

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

Importance is the priority of an alert. In Modified Example 3, four levels of importance are taken as an example, but the number of levels of importance may be any number. For example, there may be two levels, three levels, or five or more levels of importance. A relatively high severity alert is an alert that has a higher severity than other alerts. In Modified Example 3, the alert with the highest importance among the alerts of the cards to be displayed corresponds to the alert with relatively high importance. may be included. An alert with a relatively high degree of importance may be an alert with at least one other alert with a relatively low degree of importance.

FIG. 9 is a diagram showing an example of alerts associated with individual credit cards. The example of FIG. 9 shows a case where there are two pieces of credit card information associated with the user ID. For example, the first credit card is associated with the highest importance alert a26a, the second highest importance alerts a26b and a26c, and the lowest importance alerts a26d, a26e and a26f. The first credit card has no associated third highest alerts.

As in the home screen G2H of FIG. 8, the display control unit 102 displays only the alert a26a with the highest importance among the alerts a26a to a26f associated with the first credit card. Other alerts a26b-a26f associated with the first credit card are not displayed on the home screen G2H. Other alerts a26b to a26f are displayed on an alert screen G3, which will be described later. When the alert a26a is selected and browsed by the user, the alerts a26b and a26c with the next highest importance are displayed.

For example, the second credit card is associated with alerts a26g, a26h, and a26i with the second highest importance and alert a26j with the lowest importance. The second credit card is not associated with the highest and second highest severity alerts. Henceforth, alerts a26a to a26f will simply be referred to as alerts a26 when they are not distinguished from each other.

As shown in the home screen G2I in FIG. 8, when the user performs a swipe operation to switch the display target card to the second credit card, the most alerts a26g to a26j associated with the second credit card are displayed. Only alerts a26g with high importance are displayed. Although alerts a26h and a26i with the same importance as alert a26g also exist, in the example of FIG. 8, only alert a26g shall be displayed. In this case, it is assumed that the priority is further defined in the alert a26 with the same importance. Other alerts a26h, a26i, and a26j associated with the second credit card are displayed on an alert screen G3, which will be described later.

In the third modification, a case where only one alert a26 is displayed on the home screen G2 will be described. may be displayed in For example, the home screen G2I may display alerts a26g, a26h, and a26i with the highest importance among the alerts a26g to a26j associated with the second credit card. When all of the alerts a26g to a26j have been selected and viewed by the user, the next most important alert a26j is displayed.

As shown in FIG. 8, when the user selects icon i25, display control unit 102 displays alert screen G3 including alert a26 for all credit cards. The example of FIG. 8 shows the case where all credit card alerts a26 are displayed in order of importance, but the alert screen G3 displays all credit card alerts a26 for each credit card. good too. When the user scrolls the alert screen G3, all alerts a26 can be displayed. For each credit card, all the alerts a26 of the credit card may be displayed, or, for example, there may be alerts a26 displayed only on the home screen G2 or only on the alert screen G3.

For example, based on the alert information of the display target card, the display control unit 102 displays the alert a26 of the display target card on the home screen G2 in a manner according to the importance of the alert a26. A mode is an appearance as an image. For example, color, pattern, internal character string, internal icon, brightness, size, effect, shape, or a combination thereof correspond to the mode. In the examples of FIGS. 8 and 9, the display control unit 102 displays the alert a26 of the display target card in a color according to the importance of the alert a26. It is assumed that the relationship between the degree of importance and the mode of the alert a26 is stored in the data storage unit 100 in advance. The display control unit 102 may display the alert a26 based on the aspect associated with the importance of the alert a26 to be displayed. It is assumed that the degree of importance (priority) of each alert a26 is stored in the data storage unit 100 in advance. Moreover, even if the priority of the alert a26 is separately determined among certain degrees of importance, this priority is assumed to be stored in the data storage unit 100 in advance.

The display control unit 102 displays the alert a26 of the display target card on the home screen G2 based on the alert information of the display target card. When the home screen G2 is displayed, the reception unit 103 receives a display operation for displaying an alert screen G3 that can also display an alert a26 for a credit card other than the display target card. In Modified Example 3, the operation of selecting the icon i25 corresponds to the display operation. The display operation may be any operation, and is not limited to the operation of selecting the icon i25. For example, the display operation may be an operation of selecting a button, text, or the like. The display control unit 102 displays the alert screen G3 when the display operation is accepted. The alert screen G3 also displays an alert a26 that is not displayed on the home screen G2. That is, the alert screen G3 also displays an alert a26 with relatively low importance.

According to Modified Example 3, the home screen G2 is displayed such that only alerts a26 with relatively high importance among the alerts a26 of the display target card are displayed. This makes it easier for the user to notice the alert a26, which has a relatively high degree of importance.

Also, the alert a26 of the card to be displayed is displayed on the home screen G2 in a mode according to the importance of the alert a26. This makes it easier to visually grasp the importance of the alert a26.

Also, when the icon i25 is selected, the alert screen G3 is displayed. This allows the user to check the alert a26 that was not displayed on the home screen G2. By displaying only some alerts a26 on the home screen G2, it is possible to prevent the appearance of the home screen G2 from becoming cluttered.

[5-4. Modification 4]
For example, as shown in FIG. 4, credit card information for each of a plurality of credit cards may include debit account information regarding the debit account of the credit card. The debit account information includes the financial institution code, branch name (branch number), and account number of the debit account. The debit account information may include other information such as the name of the account holder. There may be credit cards for which no account is set for withdrawal.

The display control unit 102 determines whether or not an account of a specific financial institution is specified as the withdrawal account of the display target card, based on the withdrawal account information of the display target card. The specific financial institution may be a predetermined financial institution. For example, the financial institution affiliated with the card company may be a specific financial institution. The display control unit 102 determines whether or not the financial institution code included in the withdrawal account information belongs to a specific financial institution.

When it is determined that the account of the specific financial institution is not specified, the display control unit 102 displays the home screen G2 so as to prompt the user to specify the specific financial institution as the account for withdrawing the card to be displayed. Let The example of FIG. 2 shows a case where the user is prompted to specify a specific financial institution by a frame such as "Increase points by setting EEE bank!". good. For example, the alert a26 may be used to prompt the user to designate a specific financial institution. Alternatively, for example, an e-mail may be used to prompt the user to designate a specific financial institution. When it is determined that an account of a specific financial institution is specified, the display control unit 102 displays other information in the frame without prompting the user to specify the specific financial institution. good too.

According to Modified Example 4, when it is determined that the account of the specific financial institution is not specified, the home screen G2 is displayed so as to prompt the user to specify the specific financial institution as the account for withdrawing the card to be displayed. display. Thereby, the user can be guided to designate a specific financial institution as a withdrawal account.

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

It should be noted that some information may be displayed even when a rightward swipe operation is accepted in a state in which the credit card that is displayed first is the card to be displayed. For example, even if there is only one credit card associated with the user ID, information corresponding to this one credit card may be displayed. Further, information to the effect that the user who can hold the second credit card may apply for the second credit card may be displayed. A user who is not able to hold a second credit card may be presented with a link that guides them how to use the issued credit card or related services.

FIG. 10 is a diagram showing an example of how the last display area is displayed by a swipe operation. In FIG. 10, a user who has two credit cards is taken as an example. Suppose that the user performs a swipe operation to the left while the second credit card is the card to be displayed, as in the home screen G2K. In this case, the display control unit 102 displays information corresponding to the credit card held by the user. For example, as in the home screen G2L, when the user has a normal credit card, a message prompting creation of a gold card is displayed in the display area a27. If the user has a gold card, the display control unit 102 displays a message prompting the user to create a premium card in the display area a27.

According to Modification 5, information corresponding to a plurality of credit cards is displayed in the last display area in a predetermined direction. This makes it possible to provide useful information according to the credit card held by the user.

[5-6. Modification 6]
For example, in the embodiment, when the user selects the button b200, a screen showing the details of the usage details of the card to be displayed is displayed. This screen may display the details of usage details for each month. Also, in the information display area a20 of the embodiment, the case where only the information of the current month is displayed has been described, but the display month in the information display area a20 may be switched from the home screen G2. The display month is the month in which the usage amount is displayed in the information display area a20.

FIG. 11 is a diagram showing an example of switching the display month of the display target card on the home screen G2. The display control unit 102 causes the home screen G2 to display the usage amount of the display target card in any one of the plurality of months, which is the displayed month. When the user selects the button b28 on the home screen G2 when the display month is August 2021, the display month is July 2021, one month before. When the user selects the button b28 on the home screen G2 when the display month is July 2021, the display month becomes June 2021, which is one month earlier. When the user selects the button b29 with the displayed month being July 2021, the displayed month returns to the state of August 2021. The user can step back through the displayed months by selecting a button b28 and advance through the displayed months by selecting a button b29.

The accepting unit 103 of Modification 6 accepts another direction instruction operation for instructing another direction different from the predetermined direction indicated by the swipe operation. The operation of selecting the buttons b28 and b29 is an example of the other direction instruction operation. The other direction indication operation may be any operation that can indicate a direction, such as a swipe operation, a flick operation, a drag-and-drop operation, or an operation of tapping the edge of the screen. The other direction instruction operation may be an operation of instructing a direction using voice, an operation of shaking the user terminal 20, or the like, instead of an operation on the operation unit 24. FIG.

Assuming that the direction instruction operation described in the embodiment is the operation of instructing the first direction on the home screen G2, the other direction instruction operation is the operation of instructing the second direction different from the first direction. The second direction may or may not be perpendicular to the first direction. In Modification 6, the first direction is the horizontal direction and the second direction is the vertical direction. In the home screen G2, when the first direction is indicated by the direction indicating operation, the card to be displayed is switched to the first direction. In the home screen G2, the display month of the display target card is switched when the other direction instruction operation is accepted. The information displayed in the information display area a20 in the display month after the change is included in the credit card information. For example, among the detailed usage information, information such as the total usage amount for which the usage date and time are included in the display month is displayed in the information display area a20.

Note that the home screen G2 may switch the card to be displayed based on a setting regarding whether to maintain the display month when a direction instruction operation is accepted. Maintaining the display month means that the display month before the display target card is switched is the same as the display month after the display target card is switched. Not maintaining the display month means allowing a difference between the display month before the display target card is switched and the display month after the display target card is switched. If the display month is not maintained, the display month after the display target card is switched will be a predetermined month (for example, this month). The setting as to whether to maintain the displayed month may be common to all users, or may be determined for each user. If this setting is defined for each user, it is assumed that this setting is stored in the user database DB.

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

On the other hand, if the display month is not maintained, when the user swipe left while the usage amount of the first credit card in July 2021 is displayed, the second credit card will be displayed. The usage amount for this month (August 2021) is displayed. In this way, when the display month is not maintained, when a horizontal swipe operation is performed, regardless of the previous display month, the credit card usage amount for this month after switching is displayed.

According to Modified Example 6, the home screen G2 is displayed such that the display month of the display target card is switched when the other direction instruction operation is accepted. As a result, the usage amount of the past month can also be confirmed on the home screen G2, so the user's convenience is enhanced.

Further, the home screen G2 displays the home screen G2 so that the card to be displayed is switched based on the setting regarding whether to maintain the display month when the direction instruction operation is accepted. As a result, it becomes possible to switch the display month according to the user's preference on the home screen G2, thereby enhancing the user's convenience.

[5-7. Other Modifications]
For example, the modified examples described above may be combined.

For example, the configuration described in modification 1-6 does not have to be based on the configuration described in the embodiment (the configuration in which the user switches the display target card by a swipe operation). The display control system S can achieve purposes other than the purpose described in the embodiment (simplification of management of credit card information). For example, the display control system S may determine the display order of a plurality of services as in Modification 1 without having the configuration described in the embodiment. For example, the display control system S may determine the optional service to be displayed based on at least one of the status information and the type information, as in Modification 2, without having the configuration described in the embodiment.

For example, the display control system S may display the alert a26 according to the degree of importance or display the alert screen G3 as in Modification 3 without having the configuration described in the embodiment. . For example, the display control system S may display a home screen G2 that prompts the user to designate a specific financial institution, as in Modification 4, without having the configuration described in the embodiment. For example, the display control system S may display information corresponding to a credit card as in Modification 5 without having the configuration described in the embodiment. For example, the display control system S may be capable of switching the displayed month as in Modification 6 without having the configuration described in the embodiment.

For example, although a case has been described where the main functions are implemented by the server 10, each function may be shared by a plurality of computers. For example, functions described as being implemented by the server 10 may be implemented by the user terminal 20 . In this case, the main processing related to display control of the home screen G2 is executed by the card application. Communication between the server 10 and the user terminal 20 may not occur even if the card to be displayed is switched. Also, data described as being stored on server 10 may be stored on other computers, such as database servers.

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

Claims (10)

Acquisition means for acquiring credit card information relating to each of a plurality of credit cards associated with user identification information, the credit card information including usage status information relating to usage status of each of a plurality of services;
determining the display order of the services based on the usage information of the credit card information of the card to be displayed, which is one of the plurality of credit cards, and arranging the services in the determined display order; display control means for displaying a card screen related to the card to be displayed;
receiving means for receiving a direction indication operation for indicating a predetermined direction when the card screen is displayed;
including
In the card screen, the display target card is switched when the direction instruction operation is accepted.
Display control system. The usage information indicates whether or not each of the plurality of services is registered,
The display control means determines the display order such that among the plurality of services, an unregistered service precedes a registered service.
The display control system according to claim 1 . Credit card information relating to each of a plurality of credit cards associated with user identification information, the credit card including at least one of status information relating to the status of the credit card and type information relating to the type of the credit card an acquisition means for acquiring information;
selecting at least a part of a plurality of services based on at least one of the status information and the type information of the card to be displayed, which is one of the plurality of credit cards; display control means for displaying a card screen related to the card to be displayed based on a part of the service;
receiving means for receiving a direction indication operation for indicating a predetermined direction when the card screen is displayed;
including
In the card screen, the display target card is switched when the direction instruction operation is accepted.
Display control system. wherein the credit card information for each of the plurality of credit cards includes alert information regarding alerts for the credit card;
The display control means displays only alerts of relatively high importance among the alerts of the display target card on the card screen, based on the alert information of the display target card.
A display control system according to any one of claims 1 to 3 . an obtaining means for obtaining credit card information relating to each of a plurality of credit cards associated with user identification information, said credit card information including alert information relating to said credit card alert;
display control means for displaying the alert of the display target card on a card screen related to the display target card based on the alert information of the credit card information of the display target card which is one of the plurality of credit cards; ,
A direction instruction operation for instructing a predetermined direction when the card screen is displayed, and a display operation for displaying an alert screen that can also display the alert for a credit card other than the display target card. a receiving means for receiving;
including
In the card screen, when the direction instruction operation is accepted, the card to be displayed is switched,
The display control means displays the alert screen when the display operation is accepted.
Display control system. Acquisition means for acquiring credit card information relating to each of a plurality of credit cards associated with user identification information, the credit card information including debit account information relating to a debit account of the credit card;
Whether or not an account of a specific financial institution is designated as a debit account for the display target card based on the debit account information of the credit card information of the display target card, which is one of the plurality of credit cards If it is determined that the account of the specific financial institution is not designated, the display target is prompted to designate the specific financial institution as the account for withdrawal of the display target card display control means for displaying a card screen related to the card;
receiving means for receiving a direction indication operation for indicating a predetermined direction when the card screen is displayed;
including
In the card screen, the display target card is switched when the direction instruction operation is accepted.
Display control system. The card screen switches to information corresponding to the plurality of credit cards when the direction instruction operation is accepted while the credit card last in display order is the display target card.
A display control system according to any one of claims 1 to 6 . obtaining means for obtaining credit card information for each of a plurality of credit cards associated with the user identification;
Based on the credit card information of the display target card that is one of the plurality of credit cards, the usage status of the display target card in any of the plurality of months is displayed. Display control means for displaying on the card screen regarding
receiving means for receiving, when the card screen is displayed, a direction instruction operation for instructing a predetermined direction and another direction instruction operation for instructing a direction different from the predetermined direction;
including
In the card screen, the display target card is switched when the direction instruction operation is accepted, and the display month of the display target card is switched when the other direction instruction operation is accepted.
Display control system. In the card screen, when the direction instruction operation is accepted, the card to be displayed is switched based on a setting regarding whether to maintain the display month.
The display control system according to claim 8 . A program for causing a computer to function as the display control system according to any one of claims 1 to 9 .

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