TWI829301B - Display control system, display control method, and program product - Google Patents

Abstract

[Topic] Simplify the management of credit card information. [Solution] The acquisition means (101) of the display control system (S) acquires the credit card information on each of the plurality of credit cards that is associated with the user identification information. The display control means (102) is used to cause a card screen corresponding to the display target card to be displayed based on the credit card information of any one of the plurality of credit cards, that is, the display target card. The acceptance means (103) is for accepting the direction indication operation required to indicate the predetermined direction when the card screen is displayed. The card screen switches to display the target card when the direction instruction operation is accepted.

Description

Display control system, display control method, and program product

This disclosure relates to display control systems, display control methods, and program products.

Previously, technology for displaying a card screen related to a user's card has been known. Patent Document 1 describes a technology for switching the membership card whose card screen is to be displayed among the plurality of membership cards held by the user. Patent Document 2 describes a technology for displaying fitness history information corresponding to a card selected from a plurality of cards on a card screen. Patent Document 3 describes a technology for displaying a word card selected from a plurality of word cards on a card screen. [Prior technical literature] [Patent Document]

[Patent Document 1] Japanese Patent Application Publication No. 2017-126128 [Patent Document 2] Japanese Patent Application Publication No. 2018-84888 [Patent Document 3] Japanese Patent Application Publication No. 2016-115336

[Problem to be solved by the invention]

As an example of the cards mentioned above, there is a credit card. When multiple pieces of credit card information are associated with user identification information, the amount of credit card information that the user needs to manage will increase. Therefore, it is hoped that the management of credit card information can be simplified. However, the technologies of Patent Documents 1-3 are premised on displaying the card screen of cards other than credit cards, and cannot simplify the management of credit card information.

One purpose of this disclosure is to simplify the management of credit card information. [Means used to solve problems]

The display control system described in the present disclosure includes: an acquisition means for obtaining credit card information on each of a plurality of credit cards that is associated with user identification information; and a display control means for obtaining The card screen corresponding to the display target card is displayed based on any one of the plurality of credit cards, that is, the credit card information of the target card to be displayed; and the acceptance method is used to display the card screen before the target card is displayed. In this case, the direction indication operation required to indicate the predetermined direction will be accepted; the front note card screen switches to the front note display target card when the foregoing direction indication operation is accepted. [Effects of the invention]

If this disclosure is followed, the management of credit card information can be simplified.

[1. Overall structure of display control system]

An example of an implementation form of the display control system described in the present disclosure is explained. FIG. 1 is a diagram showing an example of the overall configuration of the control system. The display control system S includes a server 10 and a user terminal 20 . Network N is any network such as the Internet or LAN. The display control system S only needs to include at least one computer and is not limited to the example in Figure 1 .

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

The user terminal 20 is the user's computer. For example, the user terminal 20 is a smart phone, a tablet terminal, a wearable terminal, or a personal computer. The physical structures of the control part 21, the memory part 22, and the communication part 23 are the same as the control part 11, the memory part 12, and the communication part 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.

In addition, the programs or data stored in each of the memory units 12 and 22 can also be supplied through the network N. In addition, the program or data stored in the information storage medium that can be read by the computer can also be used to read the information storage medium through the reading unit (such as an optical disc drive or a memory card slot), or by using An input/output unit (such as a USB port) required for input and output of data with an external device is provided.

[2. Overview of display control system] This embodiment takes as an example a case where a user who holds multiple credit cards issued by a certain card company wants to use the online service of the card company. For example, the online service provides any services such as confirmation of the usage status of each credit card, change of payment method, change of available limit, change of login information, or cash advance. The user accesses the server 10 managed by the card company using the user terminal 20 to utilize the online service.

FIG. 2 is an illustration of an example of a screen displayed on the display unit 25 of the user terminal 20 . In this embodiment, the case where each screen is displayed on an application provided by a card company (hereinafter referred to as a card application) is explained, but each screen may be displayed on a browser. For example, once the user terminal 20 is started, the menu screen G1 of the user terminal 20 is displayed on the display unit 25 . Once the user selects the small icon i10 of the card application, the card application installed in the user terminal 20 will be launched.

In this embodiment, it is assumed that the user has completed the login to use the online service and has issued a user ID and password. When the card application is launched, the user ID and password will be required to enter. If the user has logged in in the past, the predetermined authentication information can also be recorded in the user terminal 20, and the input of the user ID and password can be omitted by utilizing the authentication information. The login itself can use various methods, such as biometric authentication.

Once the login to the online service is successful, the main screen G2A of the card application is displayed on the display unit 25 . In FIG. 2 , like the main screens G2A, G2B, and G2C, English letters are assigned to the ends of the symbols to distinguish them. When there is no need to distinguish these, simply describe it as the main screen G2, and omit the English letters at the end of the symbol. These points are also true in modifications described later. The main screen G2 is the first screen that will be displayed when the card application is started (the so-called First View). For example, the main screen G2A includes an information display area a20 necessary for displaying information on the display target card.

The display target card is a credit card with certain information displayed on the main screen G2. For example, the display target card is any one of a plurality of credit cards owned by the user. As shown in the main screen G2A, when the card application is first started, the first (default) credit card is set as the display target card. The first credit card can be any credit card, for example, the credit card displayed when the card application was launched last time, the credit card designated by the user, the credit card with the earliest login date and time, or the credit card with the largest balance.

In the information display area a20, any information about the display target card can be displayed. In the example of FIG. 2 , the usage status of the display target card in this month is displayed in the information display area a20 . The so-called "this month" here refers to the month that the main screen G2 is displayed. In the example of Figure 2, it is August 2021. For example, in the information display area a20, the payment date, the image of the coupon face, the name of the card, the name of the brand, a part of the card number, whether the payment of this month has been debited, the amount of utilization of this month, this month's Information about the payment date and the period within which the payment method can be changed this month.

Once the user selects button b200, the details of the usage details of the display target card are displayed on the display unit 25. In the details of the usage details, not only the usage details for this month, but also the usage details for any past month can be displayed. Below the information display area a20 are displayed the available amount of the display target card and a meter bar g21 indicating the ratio of the utilization amount to the available amount of the display target card. The available amount is the upper limit of the total available amount of the displayed card. Once the user selects the button b22, the usage amount in the information display area a20, the available amount below it, and the display/non-display of the meter bar g21 can be switched. The main screen G2 also displays other information such as buttons required to increase the available amount of the card to be displayed.

In this embodiment, the user can switch the displayed target card by swiping horizontally (horizontally) on the information display area a20. The area that accepts the swipe operation required to switch the display target card can be all or part of the main screen G2, and is not limited to the information display area a20. For example, the swipe operation may be accepted on the area including the upper, lower, left and right sides of the information display area a20, or the entire main screen G2 may be used to accept the swipe operation.

For example, while the first credit card is being displayed in the information display area a20, if the user swipes in the left direction, the information of the second credit card will be loaded. As shown in the main screen G2B, during loading, the loading animation can be played to make the entire screen appear blurry. As shown in the main screen G2C, once the loading is completed, the information about the second credit card is displayed in the information display area a20. The display of meter bar g21 etc. is also updated to the information of the second credit card. In the state of the main screen G2C, once the user swipes in the right direction, he will return to the state of the main screen G2A.

As described above, in the display control system S of this embodiment, once the user performs a swipe operation in the horizontal direction on the information display area a20, the display target card is switched to the main screen G2. be updated. In this way, the management of credit card information can be simplified when the user keeps multiple credit cards. Hereinafter, the details of the display control system S of this embodiment will be described.

[3. Display the functions implemented in the control system] FIG. 3 is a functional block diagram showing an example of functions implemented in the control system S.

[3-1. Functions implemented in the server] The data storage unit 100 is mainly implemented by the storage unit 12 . Each other function is mainly realized by the control unit 11 .

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

FIG. 4 is an illustration of an example of a user database DB. As shown in Figure 4, the user database DB is a database in which information about users is stored. For example, the user database DB stores a user ID, password, user's name, a number indicating the number of credit cards (No in FIG. 4), and credit card information. For example, once a user logs in to use an online service, a new record will be created in the user database DB, and the user's user ID and other information will be stored.

User ID is an example of user identification information that can identify the user. Therefore, the place where user ID is recorded can be replaced with user identification information. User identification information is not limited to user ID, but may also be information called by other names such as user account. Other information, such as email addresses, phone numbers, or card numbers, may also be used as user identification information. In this embodiment, the user ID and password are used when logging in to the online service.

Credit card information refers to 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, then n credit card information exists in the user ID. In this embodiment, description will be made on the card number, expiration date, usable amount, and usage details information among the credit card information in FIG. 4 . Usage status information, status information, category information, warning information, and debit account information are explained in the modification examples described below.

The card number, expiration date, usable limit, and usage details are used in order to display the main screen G2. The usage details information is information about the usage details of the credit card. For example, the usage details information includes, for each checkout, the credit card usage date and time, usage location (for example, usage store), and usage amount. The usage details information includes: usage details that have not been posted, and usage details that have been posted. Once a certain credit card is used, the usage details of the credit card are updated.

In addition, the credit card information may also include other information such as the image of the coupon, the nominee, the password for 3D security verification, or the security code. The image of the coupon face may also include the image (design pattern) of the coupon face of the credit card actually owned by the user. In this case, the user can intuitively grasp the displayed credit card. However, in the credit card coupon actually held by the user, information such as the card number that the user does not want to be known by a third party may not be included in the image of the coupon.

[Acquisition Department] The acquisition unit 101 acquires the credit card information related to each of the plurality of credit cards associated with the user ID. The so-called 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 retrieved using the user ID as a query is equivalent to the credit card information associated with the user ID. The acquisition unit 101 acquires each of the plurality of credit card information associated with the user ID of the user who has logged in to the online service.

In this embodiment, the user ID of a certain user is linked to the credit card information of the credit card owned by the user. However, other people's credit card information may also be linked. For example, the user ID of a certain user can be associated with the credit card information of the credit cards held by the user's family members. In addition, for example, the user ID of a certain user can be associated with the credit card information of the credit card that the user or his family members no longer use.

In addition, for example, the user ID of a certain user can be related to the credit card information of the credit card used privately by the user and the credit card information of the credit card of the company where the user works. Since there may be only one credit card information associated with a certain user ID, in this case, the acquisition unit 101 obtains only one credit card information associated with the user ID.

[Display Control Section] The display control unit 102 causes various screens to be displayed on the display unit 25 . For example, the display control unit 102 causes the main screen G2 to be displayed based on the credit card information of any one of the plurality of credit cards, that is, the display target card. The display control unit 102 generates display data of the main screen G2 and sends it to the user terminal 20, thereby causing the display unit 25 to display the main screen G2. The displayed data can be in any form. For example, it can also be data such as images or text to be embedded in the screen pane defined in the card application. If the card application's Web View or browser is used, it can also be displayed. Can be HTML data.

The main screen G2 is an example of a card screen for displaying the target card. Therefore, the place where the main screen G2 is written can be replaced with the card screen. The card screen is a screen displayed based on the credit card information of the display target card. The card screen can be any screen, not limited to the main screen G2. The card screen only needs to be a screen that contains at least part of the credit card information.

For example, if a certain user's login to the online service is successful, the acquisition unit 101 will obtain the credit card information of the first credit card associated with the user. The display control unit 102 determines the display content including the information display area a20 and the measurement bar g21 based on the credit card information. The display control unit 102 generates display data of the main screen G2 based on the determined display content and sends it to the user terminal 20 .

[Reception Department] The acceptance unit 103 accepts various operations performed by the user. For example, when the main screen G2 is displayed, the acceptance unit 103 accepts the swipe operation on the information display area a20. When the swipe operation is accepted on the information display area a20, the acceptance unit 103 accepts the swipe operation by receiving a notification sent from the user terminal 20. This notification can be in any form, and can be said to be a notification required to request switching of the display target card.

The swipe operation on the information display area a20 is an example of a direction indication operation. Therefore, the description of the swipe operation in this embodiment may be replaced by a direction indication operation. The direction indication operation is required to switch the display object card. In this embodiment, the direction indication operation is described as an operation required to indicate a predetermined direction, but the operation required to switch the display target card may be an operation other than the direction indication operation. For example, a tap operation, a double tap operation, a long press operation, or an operation of pressing a button of the operation part 24 may also be equivalent to the operation required to switch the display target card.

The specified direction indicated by the direction indicating operation can be any direction, not limited to the horizontal direction. The specified direction may also be other directions such as vertical direction (longitudinal direction) or oblique direction. If the predetermined direction is another direction, the display control unit 102 only needs to display the main screen G2 by switching the display target card in the predetermined direction when accepting the direction instruction operation. The direction indication operation can be any operation, not limited to swiping operations. It may also be an operation such as selecting a small 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 indicating operation may not be an operation on the operation unit 24 but may be an operation of indicating the direction using voice, an operation of shaking the user terminal 20, or the like.

Once the swipe operation is accepted by the acceptance unit 103, the display target card is switched. Assume that the user keeps n credit cards, and the current display target card is the k-th (k is any integer below n) credit card. When the swipe operation in the left direction is accepted, the target card is displayed and becomes the k+1th credit card. When the k+1th credit card system does not exist, the display target card system will not be switched. When the swipe operation in the right direction is accepted, the target card is displayed and becomes the k-1th credit card. When the k-1th credit card system does not exist, the display target card system will not be switched.

The acquisition unit 101 acquires the credit card information of the switched display target card when the display target card is switched. The display control unit 102 determines the display contents of the information display area a20 and the measurement bar g21 based on the credit card information. The display control unit 102 generates display data of the main screen G2 based on the display content and sends it to the user terminal 20 . The display control unit 201 of the user terminal 20 updates the main screen G2 based on the display data. In this main screen G2, when the swipe operation is accepted, the display target card is switched.

In addition, although it is explained in this embodiment that communication occurs between the server 10 and the user terminal 20 every time the user performs a swipe operation, the display control unit 102 may also include The display data of the main screen G2 after switching are sent to the user terminal 20 in batches at one time. In this case, the display control unit 201 of the user terminal 20 does not need to communicate with the server 10 every time the acceptance unit 202 of the user terminal 20 accepts the swipe operation, but only needs to display the main screen G2. Just update. The communication between the server 10 and the user terminal 20 only takes place when certain loading is required.

[3-2. Functions implemented in the user terminal] The data storage unit 200 is mainly implemented by the storage unit 22. Each other function is mainly realized by the control unit 21 .

[Data Storage Department] The data storage unit 200 stores data necessary for providing online services. For example, the data storage unit 200 stores the card application program.

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

[Reception Department] The acceptance unit 202 accepts various operations performed by the user. For example, the acceptance unit 202 accepts the user's operation when each screen described in FIG. 2 is displayed. The user terminal 20 sends a notification corresponding to the operation accepted by the accepting unit 202 to the server 10 .

[4. Display the processing executed in the control system] FIG. 5 is a flowchart showing an example of processing executed in the control system S. The processing shown in FIG. 5 is executed by each of the control units 11 and 21 operating according to the program memorized in each of the memory units 12 and 22 .

As shown in FIG. 5 , when the user activates the user terminal 20 , the user terminal 20 causes the menu screen G1 to be displayed on the display unit 25 ( S1 ). Once the user selects the small icon i10, a predetermined login process will be executed between the server 10 and the user terminal 20 (S2). Once the user's login to the online service is successful, the server 10 refers to the user database DB and obtains the credit card information of the credit card associated with the user ID of the user who successfully logged in (S3 ). In S3, it is assumed that the credit card information of all credit cards associated with the user ID is obtained.

The server 10 generates the display data of the main screen G2 based on the credit card information obtained in S3 and sends it to the user terminal 20 (S4). Assume that the displayed data contains the credit card information of all credit cards associated with the user ID. The credit card information is discarded after being retained in the memory unit 22 for a certain period of time. This time can be any length, for example, it can be about 5 minutes, or it can be longer or shorter. While the credit card information is held in the memory unit 22, the credit card displayed on the main screen G2 can be switched without calling the server 10.

Upon receiving the display data of the main screen G2, the user terminal 20 causes the main screen G2 to be displayed on the display unit 25 (S5). The user terminal 20 identifies the user's operation performed from the operation unit 24 (S6). Here, it is explained that the swipe operation or other operations are performed on the information display area a20. When the user performs other operations (S6; other operations), the processing corresponding to the other operations is executed between the server 10 and the user terminal 20 (S7), and this processing 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 the credit card information is still in the memory unit 22 (S8). This embodiment describes the case where the credit card information is discarded after a certain period of time has passed. However, the credit card information may not be discarded even after a certain period of time has passed. In this case, it may be designed so that the server 10 is not called even if the user performs a swipe operation until a certain period of time has passed since the credit card information is held in the memory unit 22.

If it is not determined that the credit card information exists in the storage unit 22 (S8; N), the credit card information is requested from the server 10 (S9), and the main screen G2 is changed to a loading state (S10). Once the server 10 receives the request, it refers to the user database DB to obtain the credit card information (S11). The server 10 sends the credit card information obtained in S11 to the user terminal 20 (S12). Once the user terminal 20 receives the credit card information, the main screen G2 is displayed on the display unit 25 (S13), and the process returns to S6. In S13, like S5, the credit card information is held in the memory unit 22. In S13, the credit card switched by the swipe operation accepted in S6 is displayed on the main screen G2.

In S8, if it is determined that the credit card information exists in the memory unit 22 (S8; Y), the processing of S9, S11, and S12 (that is, the call to the server 10) is not performed, and the processing of S10 is After executing and entering the loading state, the process of S13 is executed and the main screen G1 is displayed on the display unit 25 . In this case, the credit card information held in the storage unit 22 is loaded, and the credit card switched by the swipe operation accepted in S6 is displayed on the main screen G2. Since no call is made to the server 10, the processing load on the server 10 can be reduced. In addition, since the main screen G2 can be displayed simply by referring to the credit card information held in the storage unit 22, cards can be quickly switched by a swipe operation.

In addition, in this embodiment, the time point at which the server 10 is called is: when the card application is started, when a predetermined reload operation is performed on the main screen G1, or when the data stored in the memory unit 22 is When the credit card information has been discarded (when a certain time has passed since the previous call to the server 10), or when the main screen G1 is displayed after a predetermined operation is performed. The predetermined operation may be an operation required to change the login status of the service after the security service described below or the interactive window for selecting the service is displayed, or it may be other operations.

According to the display control system S of this embodiment, when a swipe operation is performed on the information display area a20 in the main screen G2, the display target card is switched. In this way, even if multiple pieces of credit card information are associated with the user ID, the target card can still be switched to be displayed to confirm the credit card information, thus simplifying the management of credit card information. For example, in order to display a list of credit cards from the main screen G2 and then select a credit card from the list, the user does not need to perform multiple operations to switch the displayed card, and can switch by swiping. Displaying object cards reduces the user's operational burden.

[5.Modification] In addition, this disclosure is not limited to the embodiment described above. Appropriate changes may be made within the scope that does not deviate from the purpose of this disclosure.

[5-1. Modification 1] For example, as shown in FIG. 4 , the credit card information of each of the plurality of credit cards may also include usage status information on the usage status of each of the plurality of services. Multiple services are services that can be applied for or canceled from online services. Each service can be any service related to credit cards, such as security services related to the security of credit cards, or optional services that can be added at will.

In Modification 1, the usage status information of the selected service is taken as an example. For example, the usage status information indicates the presence or absence of login for each of the plurality of selected services. The so-called login here refers to the application for service. The services that have been logged in are the services that have been applied for. In other words, the service that has been logged in is the service that is being used. Services that have not been logged in are services that have not been applied for. In other words, services that are not logged in are unused services. The usage status information indicates, for each selected service, whether the selected service is logged in. The user can log in to the selected service from the main screen G2. Users can cancel the logged-in selected services.

FIG. 6 is an illustration of an example of how the usage status of the selected service is displayed on the main screen G2. The main screen G2D shows a state in which downward scrolling is performed in the state of the main screen G2A in FIG. 2 . The main screen G2D includes an optional service area a23 necessary for displaying the usage status of the optional service. Once the user selects the optional service area a23, as shown in the main screen G2E, a semi-interactive window m24 showing the usage status of the optional service is displayed.

The semi-interactive window m24 includes a detailed display area a240 showing the details of each selected service. The detailed display area a240 includes a small icon i241 indicating the usage status of the selected service, and a button b242 required for logging in/out of the selected service. The user can log in to the optional service by selecting the button b242 of the unlogged optional service. The user can cancel the login of the optional service by selecting the button b242 of the logged-in optional service.

Once the user swipes in the left direction on the detailed display area a240, the detailed display area a240 can be switched. As shown in the main screens G2E~G2G in Figure 6, once the user repeats the swipe operation in the left direction, it will display "automatic fixed limit repayment", "cash advance service", and "ETC card". Object services will continue to advance and switch. Once the user repeats the swipe operation in the right direction, the display object service will continuously back up and switch.

The display control unit 102 of Modification 1 determines the display order of the optional services based on the usage status information of the display target card, and causes the main screen G2 to be displayed 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, an unregistered optional service comes before a registered optional service. That is, the display control unit 102 determines the display order in such a manner that the plurality of selected services are sorted according to the usage status.

FIG. 7 is an illustration of an example of the display sequence of the selected services in the semi-interactive window m24 of the main screen G2. In the example of Figure 7, it is assumed that the user holds two credit cards, and the usage status of the selected services of each credit card is different from each other. The text "Wei" means not logged in. The word "has" means that you have logged in. In the example in Figure 7, there are 9 optional services such as "automatic fixed limit repayment".

For example, when the display target card is the first credit card, the display control unit 102 refers to the usage status information of the first credit card and identifies the unregistered optional service. When there are multiple unregistered optional services, the display control unit 102 determines the display order of the unregistered optional services so that the predefined display order among the unregistered optional services becomes . The display control unit 102 determines the display order of the registered optional services so that the registered optional services follow the unregistered optional services. When there are multiple registered optional services, the display control unit 102 determines the display order of the registered optional services in such a manner that the registered optional services are displayed in a predefined order. .

Once the display target card 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 the unregistered optional services. Like the first credit card, the display control unit 102 determines the display order of the optional services so that the unregistered optional services come before the registered optional services.

In addition, in the example of FIG. 7 , it is assumed that "automatic fixed limit repayment" is independent of the utilization status, and the display order is fixed to No. 1. In this way, the display order of specific selected services can also be fixed. Contrary to the example of Figure 7, it is also possible to define that the display order will be the last selected service. It is also not necessary to fix the display order as shown in Figure 7.

According to Modification 1, the display order of the selected services is determined based on the usage status information of the display target card, and the main screen G2 is displayed in such a manner that the selected services are arranged in the determined display order. This allows users to easily understand the usage status of selected services.

Furthermore, among the plurality of services, the order of display is determined so that unlogged optional services appear before logged-in optional services. In this way, users can easily understand the optional services that they have not logged in. In addition, login to selected services that have not yet been logged in can be facilitated.

[5-2. Modification 2] For example, as shown in FIG. 4 , the credit card information of each of the plurality of credit cards may also include at least one of status information about the status of the credit card and type information about the type of the credit card. The example in FIG. 4 illustrates the case where both the status information and the type information are included in the credit card information, but the credit card information may include only one of the status information or the type information.

The so-called credit card status refers to the validity of the credit card. For example, the status information indicates whether the credit card has expired. In addition, for example, the status information may indicate whether the credit card is out of use. Status information is updated by the card company's administrator.

The so-called credit card type refers to the coupon type of the credit card. For example: gold card, honor card, corporate card, or family card, which are equivalent to credit cards. For example, the type of credit card can also represent the function of the credit card. For example, a credit card with an electronic money function or a credit card with a point card function is equivalent to a credit card. For example, the type of credit card can also represent the design pattern on the face of the coupon or the company that is co-branded.

The display control unit 102 selects at least a part of the selected services among the plurality of selected services based on at least one of the status information and the type information of the display target card, based on at least part of the selected services that should have been selected, and The main screen G2 is displayed. It is assumed that the relationship between at least one of the status information and the type information and the display target service is defined in the data storage unit 100 in advance. The display control unit 102 makes the decision in such a manner that the selected service associated with at least one of the status information and the type information of the display target card is displayed.

The display control unit 102 determines whether there is an unavailable optional service in the display target card based on the status information. The display control unit 102 causes the main screen G2 to be displayed in such a manner that unavailable optional services are not displayed and only available optional services are displayed. For example, the display control unit 102 does not display the automatic fixed limit repayment when the status information indicates that a credit card that is not valid (has expired or is no longer in use) is a card to be displayed.

The display control unit 102 determines whether there is an unsupported optional service in the display target card based on the category information. The display control unit 102 causes the main screen G2 to be displayed in such a manner that unsupported optional services are not displayed and only supported optional services are displayed. For example, the display control unit 102 does not display the electronic money function when the type information indicates that a credit card that does not support the electronic money function is a display target card. The display control unit 102 only needs to control the display of the selected service based on at least one of status information and category information, and the display control method is not limited to these examples.

According to Modification 2, based on at least one of the status information and the type information of the display target card, the optional service to be displayed on the main screen G2 is determined from a plurality of optional services. Based on the optional service that should have been decided, And the main screen G2 is displayed. Thereby, useful information corresponding to the status or type of the display target card can be provided to the user.

[5-3. Modification 3] For example, as shown in FIG. 4 , the credit card information of each of the plurality of credit cards may also contain warning information about warnings of that credit card. Alerts are any notifications regarding your credit card. Warnings are not limited to content about payment and can be any content. For example, the warning system may be various contents such as a notification urging a predetermined operation, a notification of a promotional event, a notification of an answer to an inquiry, or a notification of system maintenance. The warning information contains the warning content about the credit card based on the identification information of each credit card (such as card number).

In Modification 3, a warning exists for each credit card, but a common warning may exist for a plurality of credit cards. The server 10 generates and stores the alert information in the user database DB when the conditions for generating the alert are met. The conditions for generating an alert may be any condition, for example, the condition may be determined based on the expiration date of the credit card or usage details. Alert information can also be logged in manually by the administrator of the card company.

FIG. 8 is an illustration of an example of how a warning is displayed on the main screen G2. For example, once the notification setting of the card application is set to on, a badge indicating the number of alerts will be displayed on the small icon i10 of the menu screen G1. Once the user selects the small icon i10 and starts the card application, as shown in the main screen G2H, the small icon i25 required for displaying the warning screen G3 described later and the warning a26 for displaying the target card are display. The display control unit 102 causes only the warning a26a with relatively high importance to be displayed on the main screen G2 among the warnings that should be displayed based on the warning information of the display target card.

The so-called importance refers to the priority of the warning. In Modification 3, four levels of importance are given as an example, but the number of levels of importance may be any number. For example, there may be 2 stages, 3 stages, or 5 stages or more of importance. The so-called warnings with relatively high importance refer to warnings with a higher importance than other warnings. In Modification 3, it is explained that among the warnings of the display target card, the warning with the highest importance is equivalent to a warning with a relatively high importance, but it may also include the second or third highest importance. Warning below. A warning with a relatively high degree of importance only needs to have one other warning with a lower degree of importance.

FIG. 9 is a diagram illustrating an example of an alert associated with each credit card. In the example of FIG. 9 , there are two pieces of credit card information associated with the user ID. For example, for the first credit card, there are: warning a26a with the highest importance, warnings a26b and a26c with the second highest importance, and warnings a26d, a26e and a26f with the lowest importance, and a relationship is established. There is no 3rd highest alert associated with the 1st credit card.

As shown in the main 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 main screen G2H. Other warnings a26b to a26f are displayed on the warning screen G3 described later. When the warning a26a has been selected and browsed by the user, the warnings a26b and a26c with the next highest importance will be displayed.

For example, for the second credit card, there are: warnings a26g, a26h, a26i with the second highest importance, and warning a26j with the lowest importance, and a relationship is established. There is no alert with the highest importance for the second credit card, and a relationship is established with the alert with the second highest importance. In the following, when there is no need to distinguish warnings a26a to a26f, they will be simply described as warning a26.

As shown in the main screen G2I of Figure 8, once the user performs a swipe operation to switch the display target card to the second credit card, only the importance will be changed among the alerts a26g~a26j associated with the second credit card. The highest warning, a26g, is displayed. Although there are also warnings a26h and a26i with the same importance as warning a26g, in the example of FIG. 8 , only warning a26g is displayed. In this case, it is assumed that the priority is further defined among the warnings a26 with the same importance. The other warnings a26h, a26i, and a26j associated with the second credit card are displayed on the warning screen G3 described below.

In addition, in Modification 3, the case where only one warning a26 is displayed on the main screen G2 is explained. However, when there are plural warnings a26 with the highest importance, all of the plurality of warnings a26 may be displayed. Displayed on the main screen G2. For example, in the main screen G2I, among the alerts a26g~a26j associated with the second credit card, the most important alerts a26g, a26h, and a26i may also be displayed. When all warnings a26g~a26j have been selected and browsed by the user, the warning a26j with the next highest importance will be displayed.

As shown in FIG. 8 , the display control unit 102 causes the warning screen G3 including the warnings a26 of all credit cards to be displayed once the user selects the small icon i25 . In the example of FIG. 8 , the warnings a26 of all credit cards are displayed in order of importance. However, in the warning screen G3, all warnings a26 of the credit card can also be displayed for each credit card. . Once the user scrolls the alert screen G3, all alerts a26 can be displayed. In addition, all warnings a26 of the credit card may be displayed for each credit card, or the warning a26 may be displayed only on the main screen G2 or only on the warning screen G3, for example.

For example, based on the warning information of the display target card, the display control unit 102 causes the warning a26 of the display target card to be displayed on the main screen G2 in a manner corresponding to the importance of the warning a26. The so-called appearance refers to the appearance of the image. For example: color, pattern, internal text strings, internal small icons, brightness, size, special effects, shape, or a combination of these are equivalent to appearance. In the examples of FIGS. 8 and 9 , the display control unit 102 displays the warning a26 of the display target card in a color corresponding to the importance of the warning a26 . It is assumed that the relationship between the importance and the status of the warning a26 is memorized in the data storage unit 100 in advance. The display control unit 102 only needs to display the corresponding warning a26 based on the importance of the displayed warning a26. In addition, it is assumed that the importance (priority) of each warning a26 is stored in the data storage unit 100 in advance. Furthermore, if a priority of the warning a26 is separately specified among a certain degree of importance, this priority is also stored in the data storage unit 100 in advance.

The display control unit 102 causes the warning a26 of the display target card to be displayed on the main screen G2 based on the warning information of the display target card. The reception unit 103 accepts the display operation necessary to display the warning screen G3 for displaying the warning screen G3 that can display the warning a26 for credit cards other than the display target card when the main screen G2 is already displayed. In Modification 3, the operation of selecting the small icon i25 is equivalent to the display operation. The display operation can be any operation, and is not limited to the operation of selecting the small icon i25. For example, the display operation system may also be an operation such as selecting a button or text. The display control unit 102 causes the warning screen G3 to be displayed when the display operation has been accepted. The warning screen G3 also displays a warning a26 that is not displayed on the main screen G2. In other words, the warning screen G3 still has a warning a26 with a relatively low importance.

According to Modification 3, the main screen G2 is displayed in such a manner that among the alerts a26 of the display target card, only the alert a26 with a relatively high importance is displayed. This allows the user to easily notice the warning a26 of relatively high importance.

Furthermore, the warning a26 of the display target card is displayed on the main screen G2 in a manner corresponding to the importance of the warning a26. Thereby, the importance of the warning a26 can be easily grasped visually.

In addition, when the small icon i25 is selected, the warning screen G3 is displayed. This allows the user to confirm the warning a26 that is not displayed on the main screen G2. By displaying only part of the warning a26 on the main screen G2, it is possible to prevent the main screen G2 from looking cluttered.

[5-4. Modification 4] For example, as shown in Figure 4, the credit card information of each of the plurality of credit cards may also include: debit account information about the debit account of the credit card. The debit account information includes: the financial institution code of the debit account, branch name (branch number), and account number. The debit account information may also include other information such as the nominee of the account. There may also be a credit card that has not been set up with a debit account.

The display control unit 102 determines whether an account of a specific financial institution has been designated as the debit account of the display target card based on the debit account information of the display target card. The specific financial institution only needs to be a predetermined financial institution. For example, a financial institution that cooperates with a card company can be a specific financial institution. The display control unit 102 determines whether the financial institution code included in the debit account information is the code of a specific financial institution.

When the display control unit 102 determines that the account of the specific financial institution has not yet been designated, the main screen G2 is displayed to urge the specific financial institution to be designated as the debit account of the display target card. The example in Figure 2 shows a case where the designation of a specific financial institution is promoted through the frame "Use the settings of EEE Bank to increase points!", but the designation of a specific financial institution can also be done through Any image to promote. For example, alert a26 can also be used to promote the designation of a specific financial institution. Alternatively, e-mail may be used to facilitate the designation of a specific financial institution. When the display control unit 102 determines that the account of a specific financial institution has been designated, it may cause other information to be displayed in the above frame without prompting the designation of the specific financial institution to be used.

According to Modification 4, if it is determined that the account of the specific financial institution has not yet been designated, the main screen G2 is displayed to urge the specific financial institution to be designated as the debit account of the card to be displayed. In this way, users can be induced to designate a specific financial institution as a debit account.

[5-5. Modification 5] For example, if the main screen G2 accepts a swipe operation in the left direction while the credit card at the bottom of the display order is the display target card, it can also switch to information corresponding to multiple credit cards. This information is information based on the credit card information of each of multiple credit cards and is information other than credit card information. For example, the information system may also be an advertisement.

In addition, certain information may be displayed when a swipe operation in the right direction is accepted while the credit card with the first display order is the card to be displayed. For example, even if there is only one credit card associated with the user ID, the information corresponding to that one credit card can be displayed. In addition, for users who can keep a second credit card, information indicating the purpose of applying for a second credit card can also be displayed. For users who are unable to keep a second credit card, the system can also display a link introducing how to use the issued credit card or related services.

FIG. 10 is an illustration of an example of how the last display area is displayed by a swipe operation. Figure 10 shows an example of a user who holds two credit cards. As shown in the main screen G2K, it is assumed that the user performs a swipe operation in the left direction while the second credit card is the displayed card. In this case, the display control unit 102 causes the information corresponding to the credit card held by the user to be displayed. For example, as shown in the main screen G2L, when the user has a general credit card, a message to urge the creation of a gold card is displayed in the display area a27. When the user already has a gold card, the display control unit 102 displays a message to urge the creation of the honor card in the display area a27.

If modification 5 is followed, information corresponding to a plurality of credit cards will be displayed in the last display area in the predetermined direction. In this way, useful information corresponding to the credit card held by the user can be provided.

[5-6. Modification 6] For example, in the embodiment, it has been explained that when the user selects button b200, a detailed screen showing the usage details of the target card is displayed. On this screen, detailed usage details for each month can also be displayed. Furthermore, in the information display area a20 of the embodiment, the case where only the information of this month is displayed has been described. However, the month displayed in the information display area a20 may be switched from the main screen G2. The display month is to make the information display area a20 display the month in which the utilization amount is displayed.

FIG. 11 is an illustration of an example of how the display month of the display target card on the main screen G2 is switched. The display control unit 102 causes the usage amount of the display target card to be displayed in any one of the plurality of months, that is, in the display month, on the main screen G2. When the displayed month is August 2021, once the user selects button b28 of the main screen G2, the displayed month will change to July 2021, which is one month ago. When the displayed month is July 2021, once the user selects button b28 of the main screen G2, the displayed month will change to June 2021, which is one month ago. When the displayed month is July 2021, once the user selects button b29, the displayed month will return to the state of August 2021. The user can make the displayed months go backwards continuously by selecting the button b28, and can make the displayed months advance continuously by selecting the button b29.

The acceptance unit 103 of Modification 6 accepts other direction indication operations required to indicate a direction different from the direction specified by the swipe operation. The operation of selecting buttons b28 and b29 is an example of other direction indication operations. Other direction indicating operations can be any operations that can indicate directions, and can also be operations such as swiping operations, flicking operations, drag-and-drop operations, or tapping the edges of the screen. The other direction indication operation may be an operation to indicate the direction using voice, an operation of shaking the user terminal 20, or the like, instead of an operation on the operation unit 24.

If the direction designation operation described in the embodiment is an operation for indicating the first direction on the main screen G2, then the other direction designation operation is an operation for indicating a second direction different from the first direction. The second direction may be a direction orthogonal to the first direction, and does not need to be specifically orthogonal. In Modification 6, the first direction is the horizontal direction, and the second direction is the vertical direction. When the first direction is indicated by the direction indication operation, the main screen G2 switches the display target card to the first direction. On the main screen G2, when the other direction instruction operation is accepted, the display of the display target card is switched. The information displayed in the information display area a20 of the displayed month after switching is included in the credit card information. For example, among the usage detailed information, the usage date and time is information including the total amount of usage in the month, etc., and is displayed in the information display area a20.

In addition, the main screen G2 may switch the display target card based on whether to maintain the setting of displaying the month when the direction instruction operation is accepted. The maintenance of 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. The so-called not maintaining the display month means that the display month before the display target card is switched and the display month after the display target card is switched can be different. When the displayed month is not maintained, the displayed month after the display object card is switched becomes a predefined month (for example, this month). Whether to maintain the setting of displaying the month can be shared among all users, or can be defined for each user. When the setting is defined for each user, the setting is stored in the user database DB.

FIG. 12 is an illustration of an example of settings for switching the display of the moon on the main screen G2. As shown in FIG. 12 , in the main screen G2, when the setting of displaying the month is to be maintained, the display of the month is maintained even if a horizontal swipe operation is performed. For example, assume that the displayed card is the first credit card and the displayed month is August 2021. Once the user selects button b28 (once the direction instruction operation is accepted), the usage amount of the first credit card in July 2021, etc. are displayed. In this state, once the user swipes in the left direction, the usage amount of the second credit card for July 2021, etc. will be displayed. In this way, when you want to maintain the display month setting and perform a swipe operation in the horizontal direction, the month displayed before the operation will still be inherited to the display of the credit card after the switch.

On the other hand, if the setting of displaying the month is not maintained and the usage amount of the first credit card for July 2021 is displayed, once the user swipes in the left direction, the second credit card will be displayed. The usage amount of each credit card this month (August 2021) is displayed. In this way, when you perform a swipe operation in the horizontal direction without maintaining the display month setting, the usage amount of the credit card for this month will be displayed regardless of the displayed month before the operation.

According to Modification 6, when another direction instruction operation is accepted, the main screen G2 is displayed in such a manner that the display of the display target card is switched. Thereby, since the usage amount of the past month can also be confirmed on the main screen G2, the user's convenience can be improved.

In addition, when the direction instruction operation is accepted, the main screen G2 may be displayed by switching the display target card based on whether to maintain the setting of displaying the month. Thereby, the display month according to the user's preference can be switched on the main screen G2, thereby improving the user's convenience.

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

For example, the structure described in Modification 1-6 does not need to be based on the structure described in the embodiment (a structure in which the user switches the display target card by a swipe operation). The display control system S can achieve other purposes than the purpose described in the embodiment (simplifying the management of credit card information). For example, the display control system S may not have the structure described in the embodiment, but may determine the display order of a plurality of services as shown in Modification 1. For example, the display control system S may not have the structure described in the embodiment, but may determine the selection service of the display object based on at least one of status information and type information as shown in Modification 2.

For example, the display control system S may not have the structure described in the embodiment, but may display the warning a26 corresponding to the importance, or display the warning screen G3, etc. as shown in Modification 3. For example, the display control system S may not have the structure described in the embodiment, but may display the main screen G2 for prompting the designation of a specific financial institution as shown in Modification 4. For example, the display control system S may not have the structure described in the embodiment, but may display information corresponding to a credit card as shown in Modification 5. For example, the display control system S may not have the configuration described in the embodiment, but may enable switching of the month display as shown in Modification 6.

For example, although the case where the main functions are implemented by the server 10 has been described, each function may also be shared by a plurality of computers. For example, the function described as being implemented in the server 10 may also be implemented in the user terminal 20 . In this case, the main processing regarding the display control of the main screen G2 is executed by the card application. It can also be designed so that even if the display target card is switched, communication between the server 10 and the user terminal 20 will not occur. In addition, the data described as being stored in the server 10 may also be stored in other computers such as a database server.

S: display control system N:Network 10:Server 11,21:Control Department 12,22:Memory Department 13,23: Ministry of Communications 20:User terminal 24:Operation Department 25:Display part DB: User database G1: Menu screen G2: Main screen G3: Warning screen 100:Data Memory Department 101: Acquisition Department 102: Display control part 103: Acceptance Department 200:Data Memory Department 201: Display control department 202: Acceptance Department i10: small icon a20: Information display area g21: Measuring strip a23: Select service area m24: semi-interactive window i25: small icon a26: warning a27: display area b22,b28,b29: button b200, b242: button i241: small icon a240: Detailed display area

[Fig. 1] A diagram showing an example of the overall configuration of the control system. [Fig. 2] An illustration of an example of a screen displayed on the display unit of the user terminal. [Figure 3] A functional block diagram showing an example of functions implemented in the control system. [Figure 4] An illustration of an example of a user database. [Fig. 5] A flowchart showing an example of processing executed in the control system. [Fig. 6] An illustration of an example of how the usage status of the selected service is displayed on the main screen. [Fig. 7] An illustration of an example of the display order of selected services in the semi-interactive window of the main screen. [Fig. 8] An illustration of an example of how a warning is displayed on the main screen. [Figure 9] An illustration of an example of an alert associated with each credit card. [Fig. 10] An illustration of an example of how the last display area is displayed by a swipe operation. [Fig. 11] An illustration of an example of how the display month of the display target card on the main screen is switched. [Fig. 12] An illustration of an example of the setting of the moon status that is switched and displayed on the main screen.

10:Server

20:User terminal

100:Data Memory Department

101: Acquisition Department

102: Display control part

103: Acceptance Department

200:Data Memory Department

201: Display control department

202: Acceptance Department

DB: User database

Claims (10)

A display control system includes: an acquisition means for obtaining credit card information on each of a plurality of credit cards that is associated with user identification information. The credit card information includes: on a plurality of services. The usage status information of each usage status; and the display control means are used to determine the status of the credit card service based on the usage status information of any one of the plurality of credit cards, that is, the credit card information of the display target card. The display order is such that the card screen for the card to be displayed is displayed in such a manner that the antenote service is arranged in the determined display order; and the acceptance means is used when the antenote card screen has been displayed. , the direction indication operation required to indicate the specified direction will be accepted; the previous note card screen switches the display target card when the previous direction indication operation is accepted. A display control system as described in claim 1, wherein the utilization status information mentioned above indicates whether or not each of the plurality of services mentioned above is logged in; and the display control means mentioned above is such that among the plurality of services mentioned above, there is no login. The service will be displayed before the logged-in service to determine the display order. A display control system containing: The acquisition method is used to obtain the credit card information on each of the plurality of credit cards that is associated with the user identification information. The credit card information mentioned above includes: status information on the status of the credit card, and status information on the status of the credit card. at least one of the category information of the category; and a display control means for selecting a plurality of services based on any one of the preceding plurality of credit cards, that is, at least one of the preceding status information and the preceding category information of the display target card. At least part of the services, based on at least part of the services that should have been selected, cause the card screen of the card that should be displayed to be displayed; and the acceptance means is used to display the card screen when the aforementioned card screen has been displayed. The direction indication operation required to indicate the specified direction will be accepted; the front note card screen switches to the front note display target card when the foregoing direction indication operation is accepted. The display control system as described in any one of claims 1 to 3, wherein the credit card information of each of the plurality of credit cards mentioned above contains: warning information about the warning of the corresponding credit card; the display control method of the aforementioned credit card is based on The preamble displays the preamble warning information of the target card, and among the preamble warnings of the target card that should be displayed, only the warnings with relatively high importance are displayed on the preamble card screen. A display control system includes: an acquisition means for acquiring credit card information on each of a plurality of credit cards that is associated with user identification information. The credit card information includes: warning information about the warning of the corresponding credit card; and display control means for displaying the warning information based on any one of the plurality of credit cards, that is, the previous credit card information of the target card. The foregoing warning regarding the card that should be displayed is displayed on the card screen regarding the card that should be displayed; and the acceptance means is used to indicate the direction required for the specified direction when the foregoing card screen is displayed. The instruction operation and the display operation required to display the warning screen for displaying the warning screen of a credit card other than the card subject to the aforementioned display are accepted; the aforementioned card screen is accepted when the aforementioned direction instruction operation is accepted. Switch the foregoing display object card; the foregoing display control means causes the foregoing warning screen to be displayed when the foregoing display operation has been accepted. A display control system includes: an acquisition means for obtaining credit card information about each of a plurality of credit cards that is associated with user identification information, where the credit card information includes: deductions related to the credit card The debit account information of the debit account; and the display control means are used to determine the debit account information of the specific financial institution based on any one of the plurality of credit cards, that is, the debit account information of the display target card. Whether the account has been designated as the debit account of the card that should be displayed. If it is determined that the account of the specific financial institution mentioned above has not been designated, the order will be made about the person who should be displayed. The card screen of the card is displayed to urge the financial institution specified above to designate the debit account of the card that should be displayed; and the acceptance means is used to indicate the specified debit account when the card screen mentioned above is displayed. The direction indication operation required for the direction is accepted; the front note card screen switches to the front note display target card when the front note direction indication operation is accepted. The display control system according to any one of Claims 1 to 3, 5, and 6, wherein the front card screen accepts the front card direction indication in a state where the display order is the last front card and the front card is the card to be displayed. In the case of operation, switch to the information corresponding to the plurality of credit cards mentioned above. A display control system includes: an acquisition means for acquiring credit card information on each of a plurality of credit cards that is associated with user identification information; and a display control means for acquiring the plurality of credit cards based on the aforementioned plurality of credit cards. Any one of the credit cards is the credit card information of the card to be displayed, and any one of the plurality of months is the usage status of the card that should be displayed in the middle of the month, and is displayed on the card that should be displayed. The card screen of the card; and the acceptance means are used to perform the direction indication operation required to indicate the specified direction when the card screen mentioned above is displayed, and to indicate other directions different from the direction specified in the preceding paragraph. Other direction indication operations required by the direction will be accepted; The first note card screen switches the display target card when the first note direction instruction operation has been accepted; and switches the display of the first note display target card when the first note direction instruction operation has been accepted. The display control system according to Claim 8, wherein the foregoing card screen switches the foregoing display target card based on the setting of whether to maintain the foregoing display month when the foregoing direction instruction operation is accepted. A program product that enables a computer to function as a display control system as described in any one of claims 1 to 9.

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