JP2023004711A - Company credit degree evaluation system and company credit degree evaluation method - Google Patents

Abstract

To evaluate an advertisement result on at least one of advertisement systems which are used by respective advertisers, as credit information about the corresponding advertisers.SOLUTION: A company credit degree evaluation system includes an account information registration unit 140 that accepts, from respective advertiser terminals 120 which are used by a plurality of advertisers, account information for using at least one of a plurality of advertisement systems 110, and registers the account information in an account information storage unit 141 so as to be associated with advertiser identification information for identifying the advertiser, an advertisement result information acquisition unit 142 that acquires advertisement result information on each of the advertisers from the at least one advertisement system which is used by the advertiser on the basis of the account information, and a credit degree information generation unit 150 that generates, for each of the advertisers, credit degree information which indicates the credit degree of the advertiser on the basis of the advertisement result information.SELECTED DRAWING: Figure 1

Description

The present invention relates to a corporate credit evaluation system and a corporate credit evaluation method.

2. Description of the Related Art With the spread of the Internet, the use of Internet advertisements for posting advertisements on Internet screens is expanding. Advertisers can obtain advertising performance data, such as the number of views and clicks, through access to an advertising system managed by an Internet advertising service provider, and can confirm the advertising performance. In addition, the advertiser evaluates the advertisement placement effect based on the advertisement performance data (for example, Patent Literature 1). Also, there is known a technique of determining loan conditions for a store based on the most recent sales performance data and advertisement performance data of the store (for example, Patent Literature 2).

Japanese Patent No. 5425941 Japanese Patent No. 5406392

As a method of evaluating a company's creditworthiness, credit evaluation is performed from a medium- to long-term perspective based on financial information such as financial statements. Then, based on the credit evaluation results, examination of financial services related to loan examination and settlement is performed.

However, since sufficient financial information has not been accumulated for start-up companies that have just been established, it is difficult to evaluate the credit of start-up companies. As a result, the examination of financial services related to loan screening and settlement is not properly conducted, which leads to hindrance to the growth of emerging companies. In addition, since the performance of start-up companies fluctuates greatly, it is not always appropriate to evaluate the credit of start-up companies from a medium- to long-term perspective based on financial information such as financial statements. There is a demand for credit evaluation from the perspective of

In this regard, start-up companies usually use various advertising systems to advertise their products and services. Effective advertising will lead to improved recognition of the startup company, and improved business performance as a result of increased recognition. Therefore, information about the performance of the advertisements being developed can be linked to the recognition and performance of the start-up company. Further, since information on business performance is financial information that can be taken into account when evaluating the creditworthiness of the company, information on the performance of advertisements can affect the creditworthiness of the company.

Here, the evaluation system of Patent Literature 2 acquires information including advertising performance data necessary for generating credit information for each store, and evaluates the credit information. However, Patent Literature 2 does not presuppose credit evaluation based on information on the results of advertising using a plurality of advertising systems. Therefore, it is difficult to evaluate the creditworthiness of companies that advertise using various advertising systems.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a corporate credit rating system and a corporate credit rating method capable of evaluating the credit ratings of a plurality of advertisers using various advertising systems.

A corporate credit rating system according to an aspect of the present invention receives account information for using at least one advertising system out of a plurality of advertising systems from advertiser terminals used by each of a plurality of advertisers, An account information registration unit that associates the account information with advertiser identification information that identifies the advertiser and registers it in the account information storage unit, and an advertiser uses each of the plurality of advertisers based on the account information. An advertising performance information acquisition unit that acquires advertising performance information of advertisers from each of at least one advertising system, and generates credit information that indicates the creditworthiness of each of a plurality of advertisers based on the advertising performance information. and a credit information generation unit.

Further, a corporate credit rating evaluation method according to an aspect of the present invention provides a computer with an account for using at least one advertising system out of a plurality of advertising systems from an advertiser terminal used by each of a plurality of advertisers. Information is received, the account information is registered in an account information storage unit in association with advertiser identification information for identifying the advertiser, and the advertiser uses each of a plurality of advertisers based on the account information. Advertiser performance information is acquired from each of at least one advertising system, and credibility information indicating the credibility of the advertiser is generated for each of the plurality of advertisers based on the advertisement performance information.

In the present invention, the term "unit" does not simply mean physical means, but also includes the case where the functions of the "unit" are implemented by software. In addition, even if the function of one "section" or device is realized by two or more physical means or devices, the functions of two or more "sections" or devices are realized by one physical means or device. may

According to the present invention, it is possible to provide a corporate credibility evaluation system and a corporate credibility evaluation method capable of evaluating the credibility of a plurality of advertisers using various advertising systems.

FIG. 1 is a diagram showing the configuration of a corporate credit rating system 100 that is an embodiment of the present invention. FIG. 2 is a diagram showing an example of acceptance of account information registration displayed on the advertiser terminal 120. As shown in FIG. FIG. 3 is a diagram showing an example of information stored in the account information storage unit 141. As shown in FIG. FIG. 4 is a diagram showing an example of information stored in the advertisement performance information storage unit 143. As shown in FIG. FIG. 5 is a diagram showing an example of information stored in the credit information storage unit 151. As shown in FIG. FIG. 6 is a diagram showing an example of providing credit information displayed on the advertiser terminal 120. As shown in FIG. FIG. 7 is a diagram showing an example of information stored in the divergence information storage unit 161. As shown in FIG. FIG. 8 is a diagram showing an example of provision of divergence information displayed on the advertiser terminal 120. As shown in FIG. FIG. 9 is a sequence chart showing an example of processing in the corporate credit rating system 100. As shown in FIG.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. FIG. 1 is a diagram showing the configuration of a corporate credit rating system 100 that is an embodiment of the present invention.

The corporate credibility evaluation system 100 is a system that is communicably connected to an advertising system 110, an advertiser terminal 120, and an information processing system 130 via a network such as the Internet. The corporate credibility evaluation system 100 acquires advertising performance information of a plurality of advertisers from the advertising system 110, and generates credibility information of each advertiser based on the acquired advertising performance information. Further, the corporate credit evaluation system 100 provides the advertiser terminal 120 and the information processing system 130 with at least one of the advertising performance information and the credit information. The details of the corporate credit evaluation system 100 will be described later.

The advertisement system 110 is an Internet advertisement platform, and is a system that displays specific Internet advertisements on the terminal screens of Internet viewers who meet specific conditions, as represented by listing advertisements and display advertisements.

First, the advertiser specifies advertisement data and distribution conditions that the advertiser wishes to distribute, and requests the advertisement system 110 to distribute the data. Next, the advertising system 110 distributes Internet advertisements based on advertisement data and distribution conditions specified by advertisers. After that, the advertiser accesses the advertising system 110 from a browser (including web scraping) or accesses via an API (Application Program Interface), and uses the advertising system 110 to distribute advertisements related to the delivery performance of the advertisement. Achievement information can be obtained.

The advertisement performance information provided by the advertising system includes various information indicating the performance of advertisement delivery, such as advertisement delivery period, delivery place, delivery time, display time, number of impressions, number of clicks, number of conversions, etc. be The number of impressions is the number of times the advertisement was displayed, the number of clicks is the number of times the advertisement was clicked, and the number of conversions is the number of times the user actually performed the behavior (resulting behavior) induced by the advertisement.

In this way, the advertising system 110 is an information processing system that receives requests for advertisement distribution from advertisers, distributes advertisements on the Internet based on requests from advertisers, and provides advertising performance information to advertisers. It is configured using one or more computers. Although FIG. 1 shows three advertising systems 110a, 110b, and 110c as examples of the advertising system 110, the number of advertising systems is not limited to this.

The advertiser terminal 120 is a computer used by an advertiser, such as a smart phone, tablet terminal, or personal computer. Here, the advertiser may be any person who uses the advertising system 110, may be a company that provides products or services to be advertised, or may be an advertising agency representing such a company. There may be. The advertiser uses the advertiser terminal 120 to create an account on the advertising system 110 required for advertisement distribution using the advertising system 110, and requests the advertising system 110 to distribute the advertisement. Account information required for advertisement distribution using the advertisement system 110 includes, for example, ID information, password information, token information, and the like.

Also, the advertiser can use the corporate credit evaluation system 100 using the advertiser terminal 120 . Specifically, the advertiser registers the account information (ID information, password information, token information, etc.) of the advertising system 110 in the corporate credit evaluation system 100, and uses a plurality of external advertising systems for distribution. Advertising performance information of advertisements can be collectively acquired. The advertiser terminal 120 can access the corporate credit rating system 100 via a dedicated program for the corporate credit rating system 100 or a general-purpose program such as a web browser. It should be noted that the advertiser can also individually obtain the advertising performance information of each advertising system 110 without using the corporate credit evaluation system 100 .

The information processing system 130 is, for example, a system used for credit examination, and is configured using one or a plurality of computers. The information processing system 130 is utilized, for example, for issuance of a credit card, examination of the credit limit, examination of whether or not a loan can be granted to a target person and the amount of the loan, and examination of the credit of a creditor in factoring. When the information processing system 130 conducts a credit screening of the credit card user, the information processing system 130, for example, based on information such as the credit card user's income, occupation, past credit card usage record, etc., review credits and set credit card limits. Note that the information processing system 130 may be a system that receives information indicating the creditworthiness of the advertiser from the corporate creditworthiness evaluation system 100, and does not necessarily have to perform credit screening of the user.

Next, details of the corporate credit rating system 100 will be described. As shown in FIG. 1, the corporate credit evaluation system 100 includes an account information registration unit 140, an account information storage unit 141, an advertisement performance information acquisition unit 142, an advertisement performance information storage unit 143, a credit information generation unit 150, and a credit information storage unit. 151 , a credit information providing unit 152 , an examination reference information providing unit 153 , a deviation information generating unit 160 , a deviation information storage unit 161 , and a deviation information providing unit 162 . A computer that constitutes the corporate credit evaluation system 100 includes a processor and a storage area. Each unit shown in FIG. 1 can be implemented by using a storage area or by causing a processor to execute a program stored in the storage area, for example.

The account information registration unit 140 receives account information for accessing the advertising system 110 from the advertiser terminal 120 and stores it in the account information storage unit 141 in association with advertiser identification information that identifies the advertiser. Account information includes ID information, password information, token information, and the like. Note that the account information registration unit 140 may acquire the account information not from the advertiser terminal 120 but from the advertising system 110 designated by the advertiser terminal 120 .

FIG. 2 is a diagram showing an example of acceptance of account information registration displayed on the advertiser terminal 120. As shown in FIG. The screen shown in FIG. 2 includes an area 200 for selecting an advertising system to be registered, an area 210 for displaying the name and logo of the advertising system to be registered, and an area 220 for starting registration. When the registration start is executed, the registration procedure proceeds according to the registration method respectively determined by the advertising system 110 . After completing the registration procedure, the account information (ID information, password information, token information, etc.) necessary for accessing the advertising system 110 by the corporate credit evaluation system 100 is stored in the account information storage unit 141 by the account information registration unit 140. be done. In the screen shown in FIG. 2, the areas 200 and 210 are provided as separate areas, but the areas 200 and 210 may be provided in the same area.

FIG. 3 is a diagram showing an example of information stored in the account information storage unit 141. As shown in FIG. Information stored in the account information storage unit 141 includes, for example, advertiser IDs, advertising system IDs, and account information.

The advertiser ID is advertiser identification information that identifies an advertiser who is a user of the corporate credit rating system 100 . The advertiser ID may be information generated by the business credit evaluation system 100, or other information such as an e-mail address. The advertising system ID is information for identifying the advertising system 110 in the corporate credit rating system 100 . The account information is account information (ID information, password information, token information, etc.) required for accessing the advertising system 110 by the corporate credit rating system 100 .

The advertisement performance information acquisition unit 142 accesses the advertising system 110 based on the account information stored in the account information storage unit 141 to acquire the advertisement performance information of each advertiser, and stores it in the advertisement performance information storage unit 143. .

The timing at which the advertisement performance information acquisition unit 142 acquires the advertisement performance information from the advertising system 110 can be arbitrarily set. For example, the advertising performance information acquisition unit 142 may access the advertising system 110 at a predetermined periodic timing such as once a week, or may access the advertising system 110 at a specific timing such as when advertisement distribution ends. may be accessed. Also, the advertising system 110 may be accessed according to an instruction from the advertiser terminal 120 . Note that the advertisement performance information acquisition unit 142 can acquire advertisement performance information from the advertising system 110 by using web scraping or an API (Application Program Interface), for example.

FIG. 4 is a diagram showing an example of information stored in the advertisement performance information storage unit 143. As shown in FIG. Information stored in the advertisement performance information storage unit 143 includes, for example, an advertiser ID, an advertisement system ID, an advertisement ID, and advertisement performance information.

The advertisement ID is advertisement identification information that identifies an advertisement distributed by an advertiser. The advertisement ID may be generated by the corporate credit evaluation system 100, or may be included in the advertisement performance information.

Advertising performance information includes, for example, advertising cost information, advertisement delivery period information, and click rate information. Advertising cost information is information that indicates the cost of distributing an advertisement using an advertising system. Advertisement distribution period information is the period from the date when the distribution of the relevant advertisement using the advertising system started until the date when the distribution of the relevant advertisement ended if the distribution of the relevant advertisement ended, or to the current date if the distribution of the relevant advertisement did not end. is information indicating Click-through rate information is information indicating the ratio of the number of advertisement clicks by advertisement viewers to the number of advertisement display times. The advertisement performance information stored in the advertisement performance information storage unit 143 may not be the advertisement performance information itself obtained from the advertisement system. Also, the items included in the advertising performance information may differ for each advertising system 110 .

The credibility information generation unit 150 generates credibility information for each advertiser based on the information stored in the advertisement performance information storage unit 143 and stores the credibility information in the credibility information storage unit 151 . The credit information may be any information that can be used for the credit screening of the advertiser. can be in the form The credibility information generation unit 150 generates credibility information based on, for example, information related to advertisement cost information, advertisement distribution period information, or click rate information stored in the advertisement performance information storage unit 143 . In addition, the credit information generation unit 150 generates estimated available advertising amount information indicating the amount of funds that the advertiser can invest in advertising, which is estimated from the credit information.

When the credibility information generation unit 150 generates credibility information based on the advertising cost information stored in the advertisement performance information storage unit 143, the credibility information generation unit 150 may, for example, increase the advertiser's It can be judged that the business scale is large. Specifically, the credibility information generator 150 may generate credibility information so as to give higher credibility to advertisers with higher advertising costs.

Further, when the credit information generation unit 150 generates credit information based on the advertisement distribution period information stored in the advertisement performance information storage unit 143, the credit information generation unit 150 may generate the advertisement distribution period for a long period of time. The more stable the advertiser's business, the more stable it can be judged. Specifically, the credibility information generation unit 150 may generate credibility information so as to give higher credibility to advertisers whose advertisement distribution period is longer.

Further, when the credibility information generation unit 150 generates credibility information based on the click rate information stored in the advertisement performance information storage unit 143, the credibility information generation unit 150 distributes an advertisement having a high click rate, for example. It can be judged that the advertiser's business is attracting more attention from society as the advertiser does. Specifically, the credibility information generator 150 may generate credibility information so as to give higher credibility to advertisers distributing advertisements with higher click-through rates.

FIG. 5 is a diagram showing an example of information stored in the credit information storage unit 151. As shown in FIG. Information stored in the credit information storage unit 151 includes, for example, an advertiser ID and credit information. The credit information stored in the credit information storage unit 151 may be of only one type, or may be of a plurality of types, depending on the generation method of the credit information generation unit 150 . Further, the credit information stored in the credit information storage unit 151 may include estimated available advertising amount information estimated from the credit information.

The credit information providing unit 152 provides the advertiser terminal 120 with the credit information stored in the credit information storage unit 151 .

FIG. 6 is a diagram showing an example of providing credit information displayed on the advertiser terminal 120. As shown in FIG. The screen shown in FIG. 6 includes an area 600 for displaying the credibility of the advertiser and an area 610 (610a, 610b, 610c, . . . ) for displaying the advertising performance information of the advertiser. Note that the screen shown in FIG. 6 is an example of providing credit information, and the user interface for providing credit information is not limited to this. For example, credit information is not provided on the screen of the corporate credit rating system 100, but may be sent by e-mail, downloaded from the corporate credit rating system 100, or by other means. good. Moreover, only a part of the credit information stored in the credit information storage unit 151 may be provided to the advertiser terminal 120 , or all of the information may be provided to the advertiser terminal 120 . Also, only a part of the advertisement performance information stored in the advertisement performance information storage unit 143 may be provided to the advertiser terminal 120 , or all of the information may be provided to the advertiser terminal 120 .

The examination reference information providing unit 153 uses at least one of the advertisement performance information stored in the advertisement performance information storage unit 143 and the credit information stored in the credit information storage unit 151 as reference information for credit screening of the advertiser, Provided to the information processing system 130 . As a form of provision, the examination reference information providing unit 153 provides the advertising performance information stored in the advertising performance information storage unit 143 to the information processing system 130, and the information processing system 130 determines the advertiser's credit based on the advertisement performance information. A review may be conducted. Further, the examination reference information providing unit 153 may provide credit information stored in the credit information storage unit 151 to the information processing system 130, and the information processing system 130 may perform credit examination of the advertiser based on the credit information. . In addition, the examination reference information providing unit 153 provides both the advertising performance information and the credit information to the information processing system 130, and the information processing system 130 determines whether the advertiser may conduct a credit check. Here, the credit examination by the information processing system 130 includes examination of financial services related to loan examination and payment. In addition, when the information processing system 130 does not perform the credit examination of the advertiser, the information processing system 130 may further provide the examination reference information to another system.

The divergence information generation unit 160 generates divergence information indicating the degree of divergence between the advertisement performance information and the credit information based on the advertisement performance information stored in the advertisement performance information storage unit 143 and the credit information stored in the credit information storage unit 151. It is generated and stored in the divergence information storage unit 161 . The divergence information is information indicating that the larger the divergence, the less the advertiser's advertisement usage record matches the creditworthiness of the advertiser or the advertisement use record of other advertisers having the same level of creditworthiness. For example, the discrepancy information is the difference between the advertiser's advertisement usage record and the estimated available amount of advertisement usage estimated from the advertiser's credit information, or the average advertisement usage record of other advertisers at the same level as the advertiser's credit information. It is generated based on the degree of divergence.

The deviation information generation unit 160, for example, based on the estimated available advertising amount information estimated from the advertising cost information and the credit information included in the advertising performance information, calculates the difference between the advertising cost and the estimated available advertising amount as deviation information. Generate. Further, the divergence information generating unit 160, for example, based on the advertising cost information included in the advertising performance information and the average advertising cost of other advertisers having the same level of creditworthiness, difference from the average advertising cost of , is generated as divergence information.

FIG. 7 is a diagram showing an example of information stored in the divergence information storage unit 161. As shown in FIG. Information stored in the divergence information storage unit 161 includes, for example, an advertiser ID and divergence information. There may be only one type of divergence information, or a plurality of types, depending on the generation method by the divergence information generation unit 160 .

The divergence information providing unit 162 provides the divergence information stored in the divergence information storage unit 161 to at least one of the advertiser terminal 120 and the information processing system 130 used by the advertiser. The divergence information providing unit 162 may provide the divergence information itself, or may provide proposal information based on the divergence information. The proposal information may be, for example, information that encourages consideration of expanding or reducing advertisement distribution, or information that encourages consideration of increasing or decreasing the credit card limit. Further, the divergence information providing unit 162 may provide the respective divergence information to all the advertisers stored in the divergence information storage unit 161, or advertisements satisfying a predetermined condition such as the divergence being equal to or greater than a certain value. Each discrepancy information may be provided only to the main.

FIG. 8 is a diagram showing an example of provision of divergence information displayed on the advertiser terminal 120. As shown in FIG. The screen shown in FIG. 8 includes an area 800 (800a, 800b, . )including. In the screen shown in FIG. 8, area 810a displays information prompting consideration for expanding advertisement delivery as proposal information based on deviation information, and area 810b displays credit card usage limit as proposal information based on deviation information. Information that prompts consideration for an increase is displayed.

Note that the screen shown in FIG. 8 is an example of providing divergence information, and the user interface for providing divergence information is not limited to this. For example, the deviation information is not provided on the screen of the corporate credit rating system 100, but may be sent by e-mail, downloaded from the corporate credit rating system 100, or by other means. good.

FIG. 9 is a sequence chart showing an example of processing in the corporate credit rating system 100. As shown in FIG.

The account information registration unit 140 receives account information for accessing the advertising system 110 from the advertiser terminal 120 and registers it in the account information storage unit 141 (S901). Note that the account information registration unit 140 may register account information in cooperation with the advertising system 110 according to an operation from the advertiser terminal 120 . The advertisement performance information acquisition unit 142 accesses the advertising system 110 based on the account information stored in the account information storage unit 141 to acquire advertisement performance information, and stores it in the advertisement performance information storage unit 143 (S902).

The credibility information generation unit 150 generates credibility information of the corresponding advertiser based on the information stored in the advertisement performance information storage unit 143, and stores it in the credibility information storage unit 151 (S903). The credit information providing unit 152 provides the credit information stored in the credit information storage unit 151 to the advertiser terminal 120 (S904). The examination reference information providing unit 153 uses at least one of the advertisement performance information stored in the advertisement performance information storage unit 143 and the credit information stored in the credit information storage unit 151 as reference information for credit screening of the advertiser, Provided to the information processing system 130 (S905).

The deviation information generation unit 160 generates deviation information based on the advertisement performance information stored in the advertisement performance information storage unit 143 and the credit information stored in the credit information storage unit 151 (S906). The deviation information providing unit provides at least one of the deviation information and the proposed information based on the deviation information to at least one of the advertiser terminal 120 and the information processing system 130 (S907, S908). Note that the order of processing shown in FIG. 9 is not limited to this.

An embodiment of the present invention has been described above. The corporate credibility evaluation system 100 acquires advertising performance information indicating advertising performance on at least one of a plurality of advertising systems used by a plurality of advertisers, and based on the advertising performance information, Credit information can be generated. Through this, we acquire advertising performance information on various advertising platforms used by advertisers, and for each advertiser, comprehensive credit information can be generated.

Also, the business credit rating system 100 can provide credit information to the advertiser terminal 120 . This allows advertisers to grasp their own credibility based on advertising performance information on various advertising platforms.

In addition, the corporate credit evaluation system 100 can provide the information processing system 130 with at least one of the advertising performance information and the credit information. Accordingly, the information processing system 130 can use the advertiser's advertising performance on various advertising platforms and creditworthiness based on the advertising performance as reference information for credit screening.

In addition, the corporate credit rating system 100 can generate divergence information based on the advertising performance information and the credit rating information. Then, the corporate credit rating system 100 can provide at least one of the divergence information and the proposal information based on the divergence information to at least one of the advertiser terminal 120 and the information processing system 130 . This allows advertisers to efficiently grasp the need to consider expanding or reducing ad distribution, and advertisers and information processing systems can It is possible to efficiently grasp the need for further investigation.

In addition, this embodiment is for facilitating understanding of the present invention, and is not for limiting and interpreting the present invention. The present invention may be modified/improved without departing from its spirit, and the present invention also includes equivalents thereof.

100 Corporate Credit Evaluation System 110 Advertisement System 120 Advertiser Terminal 130 Information Processing System 140 Account Information Registration Unit 141 Account Information Storage Unit 142 Advertisement Performance Information Acquisition Unit 143 Advertisement Performance Information Storage Unit 150 Credit Information Generation Section 151 Credit information storage unit 152 Credit information provision unit 153 Examination reference information provision unit 160 Deviation information generation unit 161 Deviation information storage unit 162 Deviation information provision unit

Claims (12)

Accepting account information for using at least one advertising system out of a plurality of advertising systems from advertiser terminals used by each of a plurality of advertisers, and using the account information as an advertiser identification for identifying the advertiser an account information registration unit that registers the information in the account information storage unit in association with the information;
an advertising performance information acquisition unit that acquires advertising performance information of the advertiser from each of the at least one advertising system used by the advertiser for each of the plurality of advertisers, based on the account information;
a credibility information generating unit that generates credibility information indicating credibility of the advertiser for each of the plurality of advertisers based on the advertisement performance information;
A corporate credit rating system with 2. The corporate credibility evaluation according to claim 1, further comprising a credibility information providing unit that provides the credibility information indicating the credibility of one advertiser out of the plurality of advertisers to the advertiser terminal used by the advertiser. system. 2. The corporate credit rating system according to claim 1, further comprising an examination reference information providing unit that provides at least one of said advertisement performance information and said credit rating information to an external information processing system. The advertising performance information includes at least advertising cost information indicating the cost when the advertiser distributes the advertisement using the advertising system,
The credit information generation unit generates the credit information based on at least the advertising cost information.
The corporate credit evaluation system according to claim 1. The advertisement performance information includes at least advertisement delivery period information indicating the period during which the advertiser delivered the advertisement using the advertising system,
The credit information generation unit generates the credit information based on at least the advertisement distribution period information.
The corporate credit evaluation system according to claim 1. The advertising performance information includes at least click-through rate information indicating the click-through rate of the advertisement distributed by the advertiser using the advertising system,
The credit information generation unit generates the credit information based on at least the click rate information.
The corporate credit evaluation system according to claim 1. 2. The apparatus according to claim 1, further comprising: a divergence information generating unit that generates divergence information indicating a degree of divergence between said advertisement performance information and said credit information for each of said plurality of advertisers based on said advertisement performance information and said credit information. Business credit rating system as described. 8. The corporate credit rating evaluation according to claim 7, wherein said deviation information generating unit generates deviation information based on at least advertising cost information included in said advertising performance information and estimated advertising available amount information estimated from said credit information. system. 8. The corporate credit evaluation system according to claim 7, wherein the divergence information generating unit generates divergence information based on at least the advertising cost information of the advertiser and the other advertisers and the credit information included in the advertising performance information. 8. The corporate credit evaluation system according to claim 7, further comprising a divergence information providing unit that provides said divergence information to said advertiser terminal used by said advertiser. 11. The corporate credit evaluation system according to claim 10, wherein said divergence information providing unit provides said divergence information to an external information processing system. the computer
Accepting account information for using at least one advertising system out of a plurality of advertising systems from advertiser terminals used by each of a plurality of advertisers, and using the account information as an advertiser identification for identifying the advertiser registered in the account information storage unit in association with the information,
Acquiring advertising performance information of the advertiser from each of the at least one advertising system used by the advertiser for each of the plurality of advertisers based on the account information;
A corporate credibility evaluation method, comprising: generating credibility information indicating credibility of said advertiser for each of said plurality of advertisers based on said advertisement performance information.

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