1. An image generation method, comprising: displaying a subject to be captured by a camera by executing a camera application on a user device; acquiring information about a location of the user device and determining whether the location of the user device based on the acquired location information is present in a predetermined area; if it is determined that the location of the user device is present in the predetermined area, receiving geo-items including at least one of a sticker and an effect corresponding to information about the predetermined area from a server; and when an image including the subject is captured using any one item included in the received geo-items, generating an image to which the one item is applied.