JP6062100B1 - Evaluation apparatus, evaluation method, and evaluation program - Google Patents

Abstract

[PROBLEMS] To accurately evaluate the creditworthiness of a business operator. An evaluation apparatus according to the present application includes an acquisition unit and an evaluation unit. The acquisition unit is information related to a business operator among information based on user behavior on the communication network, and is transmitted from the business owner, officer, employee, or member of the business operator to the communication network. Get information. The evaluation unit evaluates the creditworthiness of the operator based on the information acquired by the acquisition unit. [Selection] Figure 1

Description

  The present invention relates to an evaluation apparatus, an evaluation method, and an evaluation program.

  In general, when a financial institution such as a bank determines a lending allowance, company data provided by a data provider specializing in collection and analysis of information on the company is referred to. Such company data is generated based on, for example, a business statement (for example, a financial statement or a profit and loss statement) of a business operator. In other words, the financial institution uses the company data provided by the trader in order to construct the credit information for determining whether or not the loan amount to each company is appropriate.

  Here, along with the rapid spread of the Internet in recent years, in addition to information based on business operators' financial statements, etc. as in the past, information users share information about companies on the Internet, and the information that is shared is centralized Technology that enhances the objectivity of corporate data through integrated management is known.

JP 2010-26602 A

  However, with the above-described conventional technology, it is not always possible to accurately evaluate the trustworthiness with respect to the business operator. Specifically, the above-mentioned conventional technology only shares information such as financial information of publicly disclosed companies, information on corporate transactions that information users can know, and industry news, and integrates such information. Even so, it is difficult to evaluate the creditworthiness of the operator. Therefore, there is a possibility that the business operator cannot acquire appropriate credit information for the financial institution to calculate the loan amount.

  Also, with the above-described conventional technology, it is difficult to share accurate information for companies where it is difficult for information users to obtain information, such as unlisted companies and venture companies. For this reason, it can be said that it is difficult to acquire credit information for determining the loan conditions for unlisted companies, venture companies and the like with the above-described conventional technology.

  The present application has been made in view of the above, and an object thereof is to provide an evaluation device, an evaluation method, and an evaluation program that can accurately evaluate the creditworthiness of a business operator.

  The evaluation apparatus according to the present application is information related to a business operator among information based on user behavior on a communication network, and is a communication network from at least one of a manager, an officer, an employee, or a member of the business operator. An acquisition unit that acquires information transmitted above, and an evaluation unit that evaluates the creditworthiness of the operator based on the information acquired by the acquisition unit.

  According to one aspect of the embodiment, there is an effect that the creditworthiness with respect to the business operator can be evaluated with high accuracy.

FIG. 1 is a diagram illustrating an example of an evaluation process according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of the evaluation apparatus according to the embodiment. FIG. 3 is a diagram illustrating an example of a search information storage unit according to the embodiment. FIG. 4 is a diagram illustrating an example of the site information storage unit according to the embodiment. FIG. 5 is a diagram illustrating an example of the product information storage unit according to the embodiment. FIG. 6 is a diagram illustrating an example of a social information storage unit according to the embodiment. FIG. 7 is a diagram illustrating an example of a customer information storage unit according to the embodiment. FIG. 8 is a flowchart illustrating an evaluation processing procedure performed by the evaluation apparatus according to the embodiment. FIG. 9 is a hardware configuration diagram illustrating an example of a computer that realizes the function of the evaluation apparatus.

  Hereinafter, an embodiment for carrying out an evaluation apparatus, an evaluation method, and an evaluation program according to the present application (hereinafter referred to as “embodiment”) will be described in detail with reference to the drawings. Note that the evaluation apparatus, the evaluation method, and the evaluation program according to the present application are not limited by this embodiment. In the following embodiments, the same portions are denoted by the same reference numerals, and redundant description is omitted.

[1. Example of evaluation process)
First, an example of the evaluation process according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of an evaluation process according to the embodiment. In FIG. 1, the evaluation system 1 is taken as an example, and the evaluation processing according to the embodiment will be described. Specifically, in FIG. 1, the evaluation device 100 included in the evaluation system 1 acquires information about a business operator who wants to receive a loan, and acquires information about behaviors of general users on the Internet. A process for evaluating the creditworthiness of the operator based on the information will be described.

  As shown in FIG. 1, the evaluation system 1 includes a user terminal 10, an operator terminal 20, a financial institution server 30, a web server 40, and an evaluation device 100. The evaluation device 100 is communicably connected to the user terminal 10, the operator terminal 20, the financial institution server 30, and the web server 40 via a communication network (for example, the Internet) (not shown). Note that the number of user terminals 10, business operator terminals 20, financial institution servers 30, and web servers 40 included in the evaluation system 1 is not limited to the example illustrated in FIG. 1. For example, the evaluation system 1 may include a plurality of operator terminals 20 and a plurality of web servers 40.

  The user terminal 10 is an information processing device used by general users. Specifically, the user terminal 10 is used for a user to browse a web page or post an evaluation of product information on a website. The user terminal 10 is, for example, a mobile terminal such as a smartphone, a tablet terminal, or a PDA (Personal Digital Assistant), a desktop PC (Personal Computer), a notebook PC, or the like. In addition, a general user is a user who does not perform the action with the specific intention with respect to the evaluation process which concerns on embodiment. In the embodiment, a person who professionally acquires and analyzes company information, such as the company data provider 50, or a person who provides financing to a business operator is excluded from general users. Moreover, although the business operators themselves can be excluded from the general users, the business owners and individual officers of the business operators may be included in the general users.

  The business entity terminal 20 is an information processing device used by the business operator. Specifically, the business entity terminal 20 makes a loan application to the financial institution server 30 or accepts a result of the application from the financial institution server 30 in accordance with the operation of the business operator 25 that receives the loan from the financial institution. Here, the operator is a person who carries out the business, for example, a corporation. The business operator is not limited to a company or an organization, and may be an individual business owner.

  The financial institution server 30 is a server device used by a financial institution. Specifically, the financial institution server 30 accepts a loan application from the business operator terminal 20 or notifies the business operator terminal 20 of the result of the application. In addition, the financial institution server 30 uses the evaluation device 100 to evaluate the creditworthiness of the business operator 25 in the loan to the business operator 25.

  The web server 40 is a server device that provides various web pages when accessed from the user terminal 10. The web server 40 provides various web pages related to, for example, a news site, a weather forecast site, a shopping site, a finance (stock price) site, a route search site, a map providing site, a travel site, a restaurant introduction site, and a web blog.

  The web server 40 stores user behavior on the network. The user behavior information is stored as user behavior data 42 in the web server 40 or a predetermined storage device. Here, the user behavior on the network means information transmitted from the user terminal 10 in accordance with a user operation when using services provided from various websites. For example, user behavior on the network includes transmission of a search query on a search site, purchase behavior on a shopping site, posting of a review from a user on a product evaluation site, and the like. Further, the user behavior includes, for example, message exchange on an SNS (Social Networking Service) site, follow-up behavior with respect to others, and the like.

  The evaluation device 100 accepts a loan offer from the business operator terminal 20 via the financial institution server 30, acquires information about the business operator 25 who has made the application via the Internet, and the credit rating of the business operator 25 based on the acquired information. It is a server apparatus that evaluates. Specifically, the evaluation apparatus 100 is configured to obtain behavior information on the Internet (for example, evaluation of a product provided by the operator 25, word-of-mouth, search service, etc.) transmitted from the user terminal 10 connected to the Internet to the web server 40. Search information on the business 25 on the site). Then, the evaluation apparatus 100 evaluates the creditworthiness of the business operator by predicting the future potential of the business operator 25 based on the acquired information. Hereinafter, the evaluation process by the evaluation system 1 and the evaluation apparatus 100 will be described along the flow with reference to FIG.

  First, in the example illustrated in FIG. 1, the financial institution server 30 receives a loan offer from the business operator terminal 20 (step S <b> 11). In this case, it is generally considered that the financial institution server 30 is provided with information from the company data provider 50 that owns the company information and the like. The company data provider 50 is a person who has company financial data 52 and the like and provides a service for providing company information to financial institutions. The company data provider 50 owns, for example, a company's capital ratio, stock information, real estate information, and the like. The financial institution or the like determines the credit amount of the business operator 25 who applied for the loan based on the information provided from the company data provider 50 and determines the loan amount.

  Here, the information regarding the business operator 25 who applied for the loan to the financial institution server 30 may not be owned by the company data provider 50 or may be insufficient for the determination of the loan. For example, the company data provider 50 owns useful company information so that the company 25 is a private company, a small-scale business, or a newly established company that has just been established. There may be a case where there is no information, a case where information regarding the business operator 25 is insufficient, or a case where the information cannot be grasped. In such a case, a lender such as a financial institution cannot determine the creditworthiness of the business operator 25 who applied for the loan, and therefore the business operator 25 may not receive the loan.

  Therefore, the financial institution server 30 uses the evaluation apparatus 100 in order to grasp the credit information of the business operator 25, that is, the credit rating of the business operator 25 that receives financial support. In this case, the financial institution server 30 transmits the business operator information about the business operator 25 to the evaluation device 100 (step S12). Thereby, the evaluation apparatus 100 specifies the business operator 25 received by the financial institution server 30, and acquires information on the business operator 25.

  The evaluation apparatus 100 is based on information different from the information provided from the company data provider 50 even when the company information is not provided from the company data provider 50 or the provided information is insufficient. , Evaluate the creditworthiness of the operator. For example, the evaluation apparatus 100 acquires information regarding the business operator 25 on the Internet (step S13). In other words, the evaluation apparatus 100 acquires information that is based on user behavior on the Internet and is information that can be acquired via the Internet among the information on the business operator 25. More specifically, the evaluation device 100 can determine the number of times that the user terminal 10 performs a search action using the name of the business operator 25 or the product name provided by the business operator 25 as a search query, or the website provided by the business operator 25. Information on the number of visits and reviews posted on products provided by the business 25 is acquired from the user behavior data 42.

  And the evaluation apparatus 100 evaluates the credit rating for determining the financing conditions with respect to the provider 25 based on the acquired information (step S14). For example, the evaluation device 100 highly evaluates the creditworthiness of the business operator 25 as the number of search actions related to the business operator 25 performed by the user terminal 10 increases. In other words, the evaluation device 100 is considered to have a high degree of attention to the general user's business 25 and a high possibility of business continuity because the number of times that the general user searches for words related to the business 25 is high. The creditworthiness of the operator 25 is highly evaluated. Similarly, the evaluation apparatus 100 is based on the number of visits made by the user terminal 10 to the website provided by the business operator 25, the number of reviews posted on the product provided by the business operator 25, the evaluation value, and the like. Evaluate creditworthiness. For example, the evaluation device 100 assumes that the number of website visits has increased compared to the past, the number of product review posts and high evaluations, and the possibility of the business operator 25 growing is high. High credit rating.

  Then, the evaluation apparatus 100 notifies the financial institution server 30 of the evaluation (for example, specific loan conditions) regarding the business (step S15). And the financial institution server 30 notifies the result about offer of financing to the provider terminal 20 based on the evaluation of the provider 25 notified from the evaluation device 100 (step S16).

  As described above, the evaluation apparatus 100 according to the embodiment acquires information related to a business operator from information based on user behavior on the Internet. And the evaluation apparatus 100 evaluates a provider's creditworthiness based on the acquired information.

  Thereby, the evaluation apparatus 100 which concerns on embodiment can evaluate the creditworthiness of the provider 25, without relying on the financial information etc. of the company generally used in order to determine financing conditions. For this reason, according to the evaluation apparatus 100, it is possible to obtain a loan even if it is a private company or a start-up company that is generally difficult to obtain a loan from a financial institution or the like. Moreover, the evaluation apparatus 100 acquires the information regarding the user action on the Internet, and evaluates the creditworthiness of the business operator 25 who intends to make a loan based on the information composed of a huge number of samples. For this reason, since the evaluation apparatus 100 can determine loan conditions not only based on the publicly available financial information but also on behavior information of many general users, it is possible to implement highly accurate financing. That is, according to the evaluation apparatus 100, since the creditworthiness of the business operator 25 can be accurately evaluated, it is possible to provide highly reliable credit information. The credit rating evaluated by the evaluation device 100 is not necessarily used for the purpose of financial support. For example, the creditworthiness of the business operator (the creditworthiness of the advertiser who distributes the advertisement, the merchant of the shopping site, etc.) Can also be used for creditworthiness, etc.).

[2. Configuration of evaluation device]
Next, the configuration of the evaluation apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 2 is a diagram illustrating a configuration example of the evaluation apparatus 100 according to the embodiment. As illustrated in FIG. 2, the evaluation apparatus 100 includes a communication unit 110, a storage unit 120, and a control unit 130. The evaluation device 100 includes an input unit (for example, a keyboard and a mouse) that receives various operations from an administrator who uses the evaluation device 100, and a display unit (for example, a liquid crystal display) for displaying various types of information. You may have.

(About the communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to a communication network in a wired or wireless manner, and transmits / receives information to / from the user terminal 10 and the operator terminal 20 via the communication network.

(About the storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 120 according to the embodiment includes a search information storage unit 121, a site information storage unit 122, a product information storage unit 123, a social information storage unit 124, and a customer information storage unit 125. Hereinafter, each storage unit will be described in order.

(Regarding the search information storage unit 121)
The search information storage unit 121 stores information related to user search behavior on the Internet. Here, FIG. 3 shows an example of the search information storage unit 121 according to the embodiment. As illustrated in FIG. 3, the search information storage unit 121 includes items such as “operator ID”, “total period”, “number of searches”, “degree of increase”, “search ranking”, and “target word”.

  “Business operator ID” indicates identification information for identifying a business operator that can be an evaluation target of the evaluation apparatus 100. “Aggregation period” indicates a period during which search actions performed by the user terminal 10 are aggregated. In the example of FIG. 3, the aggregation period is a day unit, but the aggregation period may be a different period. For example, by setting the total period to one week, the evaluation apparatus 100 can easily grasp the tendency of search over a longer period.

  “Number of searches” indicates, for example, the number of times that a search engine has been searched by a search engine on a predetermined search site. As will be described later, the search query counted as the number of searches for each company is not limited to the name of the company itself, but may include the product name provided by the company or the name of the company's manager. Good.

  The “degree of increase” indicates an increase / decrease value of the number of searches with respect to the number of searches in the immediately preceding aggregation period. “Search ranking” indicates a ranking of the number of searches in a predetermined search site. Although illustration is omitted, the search ranking item may store not only the ranking based on the number of searches but also the ranking based on the degree of increase.

  The “target word” indicates a word that is counted as the number of searches related to the operator when the described word is transmitted as a search query. For example, when the name of a product provided by a business is higher than the name of the business, the user may perform a search action using the product name. In this case, even when a search is performed using the product name as a search query, if the product name is set as a target word, the number of searches for the business provider that provides the product is counted. . The target word may be set by an application of the administrator of the evaluation apparatus 100 or a business operator, or may be automatically set by analyzing a link of a website based on a search result, for example. That is, when searching for “product CCC”, if a large number of websites related to “business name AAA” are displayed as search results, “product CCC” is the target word along with business name AAA. Is set automatically.

  That is, in FIG. 3, as an example of data, the business operator identified by the business operator ID “E001” has a total period “November 15, 2014, 9:00 to November 16, 2014, 9:00”. During the search, “2000 times” is searched, the increase from the previous number of searches is “1000 times”, and the search ranking is “150,000”. In addition, for the business entity identified by the business operator ID “E001”, “business name AAA”, “product CCC”, “product DDD”, “manager EEE”, etc. are set as target words in the search. It shows that. In addition, the business operator identified by the business operator ID “E001” is “200000 times” during the aggregation period “November 17, 2014, 9:00 to November 18, 2014, 9:00”. It has been searched, indicating that the search for “195500 times” is rising. In this case, it is presumed that an event has occurred in which the visibility is rapidly increased for the business operator identified by the business operator ID “E001”. In the search information storage unit 121, for such a rapid increase degree, for example, a mark that can be recognized as a company of interest may be automatically stored.

(About the site information storage unit 122)
The site information storage unit 122 stores information related to a website operated or managed by a business operator. Here, FIG. 4 shows an example of the site information storage unit 122 according to the embodiment. As illustrated in FIG. 4, the site information storage unit 122 includes items such as “operator ID”, “total period”, “PV”, “UU”, and “CVR”.

  The “company ID” and “total period” correspond to the same items stored in the search information storage unit 121. “PV” indicates a page view on the website, that is, the number of browsing.

  “UU” indicates the number of unique users. The unique user indicates the number of visitors to the website. Even if the same user visits the same website many times, the UU number is counted as “1”.

  “CVR” indicates a conversion rate. CVR indicates the percentage of conversions to the number of browsing websites. Conversion means the final result you can get on your website. For example, the conversion is purchase of a product on an online shopping site, member registration on an information providing site or a community site, request for materials, and the like. In addition, as CVR, the conversion rate with respect to the number of browsing may be sufficient, and the conversion rate with respect to a unique user may be employ | adopted.

  That is, in FIG. 4, as an example of the data, the website provided by the business entity identified by the business operator ID “E001” is the aggregation period “November 15, 2014, 9:00 to November 16, 2014. It was viewed “5000 times” during “9:00”, and the number of UUs viewed was “2000”, indicating that “1%” of conversions had been converted. .

  Note that the aggregation period in FIG. 4 is an example, and PV and the like may be aggregated not in units of one day but in units of one week or units of one month. In addition, for each item such as PV, not only the numerical value as an absolute number but also the number of fluctuations from the immediately preceding aggregation period may be aggregated.

(About Product Information Storage Unit 123)
The product information storage unit 123 stores information related to products provided by the business operator. Here, FIG. 5 shows an example of the product information storage unit 123 according to the embodiment. As illustrated in FIG. 5, the product information storage unit 123 includes items such as “enterprise ID”, “product”, “user evaluation”, “number of reviews”, and “store ranking”.

  The “company ID” corresponds to the same item stored in the search information storage unit 121. “Product” indicates the name of the product provided by the operator.

  “User evaluation” indicates an evaluation value indicated by a general user in a product evaluation site on the Internet. The product evaluation site is a community site that receives word-of-mouth information such as product reviews and evaluations from general users. In addition, when a product provided by a business operator is an application for a terminal, a site (referred to as an application store or the like) that provides an application download service may also serve as a product evaluation site. Here, user evaluation shall be shown by the average value of the numerical value from "0" transmitted from a user to "5".

  “Number of reviews” indicates the number of reviews posted by the user at the product evaluation site on the Internet. “Store ranking” indicates a ranking among similar products handled in the product evaluation site. For example, the store ranking corresponds to the product with the highest user evaluation. As described above, when the product evaluation site is an app store, the store ranking may be the number of downloads of the app.

  That is, in FIG. 5, as an example of data, the product “CCC” provided by the business operator identified by the business operator ID “E001” has a user evaluation of “4.5 points” and the number of reviews submitted Is “4500”, indicating that the store ranking is “10th place”.

(About social information storage unit 124)
The social information storage unit 124 stores an index value that can evaluate the social reputation and attractiveness of the business operator. Here, FIG. 6 illustrates an example of the social information storage unit 124 according to the embodiment. As illustrated in FIG. 6, the social information storage unit 124 includes items such as “enterprise ID”, “investigation subject”, and “SNS connection number”.

  The “company ID” corresponds to the same item stored in the search information storage unit 121. “Survey object person” indicates an individual name to be subjected to social analysis in the company identified by the company ID. For example, the survey target corresponds to the president of the business operator or an officer such as a director.

  The “SNS connection number” indicates a numerical value connected to another person on the SNS when the survey target person uses the SNS. For example, the number of followers on the SNS corresponds.

  That is, in FIG. 6, as an example of data, the survey target person in the business operator identified by the business operator ID “E001” is “EEE”, and the number of connections in the SNS used by “EEE” is “200”. It is shown that.

(About the customer information storage unit 125)
The customer information storage unit 125 stores information related to the business customer. Here, FIG. 7 shows an example of the customer information storage unit 125 according to the embodiment. As illustrated in FIG. 7, the customer information storage unit 125 includes items such as “enterprise ID”, “number of product users”, “continuous usage rate”, and “customer unit price”.

  The “company ID” corresponds to the same item stored in the search information storage unit 121. The “number of product users” indicates the number of customers who use the product provided by the company identified by the company ID. For example, when the product provided by the business is an application, the total number of downloads of the application provided by the business corresponds.

  “Continuous usage rate” indicates the continuous usage rate of the customer with respect to the operator. For example, when a business operator operates a shopping site on the Internet, the ratio of the number of users who regularly use the site corresponds to the total number of users browsing the site. Further, the continuous usage rate may be the number of terminals whose usage is continuously confirmed with respect to the total number of downloads when the provider provides the application. In this case, the continuous usage rate is stored as an operation rate of the application (for example, a value obtained by dividing the number of usage users per predetermined period by the number of download users).

  “Customer unit price” indicates a unit price per customer of the operator. For example, when a business provider provides a shopping site, the purchase price per user corresponds to the customer unit price. The unit price of the customer can also be calculated based on the download sales amount of the application, the cost for continuous use, and the like when the provider provides the application.

  That is, in FIG. 7, as an example of data, the product user provided by the business entity identified by the business operator ID “E001” is “30000”, the continuous usage rate is “0.25”, and the customer The unit price is “1200 yen”.

(About the control unit 130)
The control unit 130 is configured such that, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like stores various programs (corresponding to an example of a search program) stored in a storage device inside the evaluation apparatus 100 as a work area. This is realized by being executed as The control unit 130 is realized by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

  As shown in FIG. 2, the control unit 130 according to the embodiment includes a reception unit 131, an acquisition unit 132, an evaluation unit 133, a calculation unit 134, and a notification unit 135, and information processing described below Realize or execute the functions and operations of The internal configuration of the control unit 130 is not limited to the configuration illustrated in FIG. 2, and may be another configuration as long as the information processing described later is performed. In addition, the connection relationship between the processing units included in the control unit 130 is not limited to the connection relationship illustrated in FIG. 2, and may be another connection relationship.

(About the reception unit 131)
The accepting unit 131 accepts a request regarding the evaluation of the business operator. Specifically, the reception unit 131 according to the embodiment receives a request regarding the evaluation of the operator from the financial institution server 30 that has received a loan application from the operator. In this case, the accepting unit 131 accepts information regarding the business operator along with the offer. For example, the reception unit 131 receives the name of the business operator, product information provided by the business operator, the business type of the business operator, information on the manager and the officer, and the like. Note that the reception unit 131 is different when the financial institution server 30 has not acquired product information provided by the business operator or information on managers or officers and does not receive such information from the financial institution server 30. Information may be received from a server (eg, web server 40). Then, the reception unit 131 sends the received information to the acquisition unit 132.

(About the acquisition unit 132)
The acquisition unit 132 acquires information related to a business operator from information based on user behavior on a communication network (for example, the Internet). Specifically, the acquisition unit 132 according to the embodiment specifies an operator to be evaluated based on the information received by the receiving unit 131, and searches for information on the specified operator from the Internet. And the acquisition part 132 is the service provided from various websites as information based on the user action on the Internet, Comprising: The information transmitted from the user at the time of use of the service which a provider relates is acquired from the web server 40. To do. Note that information based on user behavior on the Internet includes, for example, transmission of a search query performed by a user on a search site, review of a product performed by a user on a product evaluation site, and release of information on a SNS by a user. It means information generated when a user uses a service on various websites. The service related to the business is not limited to a service such as a shopping site directly provided by the business. For example, a service provided by a search site capable of searching for the business or evaluation of the business of the business. This includes services from evaluation sites that can be used.

  For example, the acquisition unit 132 acquires search information related to a business operator at a predetermined search site. Specifically, the acquisition unit 132 acquires search information such as how many times the business has been searched by the user using a search query related to the business as a search target word. Then, the acquisition unit 132 stores the acquired information in the search information storage unit 121.

  Moreover, the acquisition part 132 acquires the site information in the website which the provider used as the acquisition target of information provides. Specifically, the acquisition unit 132 acquires information such as the number of PVs, the number of UUs, and CVR of the website provided by the business operator. Then, the acquisition unit 132 stores the acquired information in the site information storage unit 122.

  In addition, the acquisition unit 132 acquires information related to a product provided by a business operator from which information is acquired. Specifically, the acquisition unit 132 acquires information such as user evaluation on the Internet, the number of reviews, and store ranking of products provided by the business operator. Note that the acquisition unit 132 may acquire information (that is, a change rate) regarding a trend of each information such as a change in user evaluation and a change in store ranking. In addition, when the product provided by the operator is a program product such as an application, the acquisition unit 132 displays the number of downloaded applications, the number of users, the average usage time per user, and the applications in a predetermined period. Get the index value such as the utilization rate of. Then, the acquisition unit 132 stores the acquired information in the product information storage unit 123.

  Moreover, the acquisition part 132 acquires the information which can evaluate the social reputation and attractiveness of the provider from which information is acquired. Specifically, the acquisition unit 132 acquires information such as the number of consolidated SNSs of business managers and officers. Note that the acquisition unit 132 may acquire an individual manager's trend on the Internet as an index value that can evaluate the social reputation and attractiveness of the operator. For example, the acquisition unit 132 acquires information on a person who is personally connected to the manager on the SNS (for example, name recognition, the scale of the company to be managed). That is, the acquisition unit 132 also acquires information that is assumed to indicate the human network power of the manager. For example, the acquisition unit 132 acquires the number of accesses from general users in the SNS of business operators and officers, the number of followers, and the like as information related to the visibility and reputation of the business owners and officers. Then, the acquisition unit 132 stores the acquired information in the social information storage unit 124.

  Moreover, the acquisition part 132 acquires the information regarding the customer of the provider who becomes the acquisition target of information. Specifically, the acquisition unit 132 acquires information such as the number of users of the product provided by the business operator, the continuous usage rate of the user, and the unit price of the customer. For example, for a provider that provides an application, the acquisition unit 132 can acquire the number of product users by acquiring the number of downloaded applications from the application store. In addition, for the business operator who operates the shopping site, the acquisition unit 132 acquires information on the continuous usage rate and the customer unit price based on information such as the visit interval of the user site and the purchase amount. Can do. Then, the acquisition unit 132 stores the acquired information in the customer information storage unit 125.

  Note that the acquisition unit 132 crawls on the Internet not only for information on a business that has accepted a loan application but also on information on another business (for example, the peer of a business that has accepted a loan application). Thus, it can be acquired at any time. For example, the acquisition unit 132 can acquire information on the business operator as needed or update the acquired information by using a program such as a search robot used for the search engine.

(About the evaluation unit 133)
The evaluation unit 133 evaluates the creditworthiness of the operator based on various information. Specifically, the evaluation unit 133 according to the embodiment evaluates the credit rating for determining the loan condition for the business based on the information acquired by the acquisition unit 132.

  That is, the evaluation unit 133 evaluates the creditworthiness of the business operator in order to determine an appropriate loan condition for the business operator who applied for the loan from the information acquired on the Internet acquired by the acquisition unit 132. Providing credit information for businesses. For example, the evaluation unit 133 evaluates the creditworthiness of the operator based on the information acquired by the acquisition unit 132 from the viewpoints of the bankruptcy probability, repayment capability, business continuity, and growth potential of the operator. As an example of evaluation, the evaluation unit 133 can employ a technique such as evaluating the score of each viewpoint described above, and quantifying the total value of the scores of each viewpoint as the creditworthiness of the operator.

  For example, the evaluation unit 133 evaluates the degree of trust according to the number of reactions transmitted by the user regarding the business. Specifically, the evaluation unit 133 highly evaluates creditworthiness for a business with a large number of searches as a high degree of attention from general users. The evaluation unit 133 also evaluates the rate of change in the number of searches, the rate of rapid increase in the number of searches, and the like, and highly evaluates the reliability of the operator by calculating the expected value of the growth potential of the operator. To do.

  Moreover, the evaluation part 133 evaluates the said provider's creditworthiness highly as a thing with a high degree of attention from a general user, so that PV number etc. of the website which a provider provides are high. However, when the number of PV of the website rapidly increases, the evaluation unit 133 may evaluate the creditworthiness of the business operator high or may evaluate it low. For example, the number of PV on a website can fluctuate rapidly not only due to positive materials (such as when news is reported in the development of hot products) but also negative materials (such as news reporting of fraudulent detection). . In this case, the evaluation unit 133 can evaluate the level of reliability by determining the positiveness and negativeness of the material that has influenced the PV number. Such determination may be manually determined by the administrator of the evaluation apparatus 100, or may be automatically determined by analyzing a word of a news article.

  In addition, the evaluation unit 133 evaluates the creditworthiness of the business operator by using product information analysis, analysis based on the social relationship of the business operator, customer analysis, and the like. For example, the evaluation unit 133 highly evaluates the creditworthiness of a business that provides a product highly evaluated by the user from the viewpoint of business continuity and growth. Specifically, the evaluation unit 133 determines the level of trustworthiness of the operator based on the user evaluation in the product information storage unit 123 illustrated in FIG. 5, the number of reviews, and the value stored in the store ranking item. To evaluate. When the product provided by the operator is an app, the evaluation unit 133 determines the number of downloads of the app, the number of users, the average usage time per user, the operation rate in a predetermined period, or these The level of creditworthiness of the operator is evaluated based on the magnitude of the rate of change in the numerical period. In addition, the evaluation unit 133 may be used when the business managers and officers have a high personality and high profile (for example, when there is a connection with a person who is assumed to have an influence on a specific industry in the SNS, If the number of accesses from general users or the number of followers in the SNS of the managers or officers of the company is relatively large), the creditworthiness of the operator is highly evaluated. Further, the evaluation unit 133 determines the bankruptcy probability and the repayment ability of the business based on information such as the number of product users, the continuous usage rate, and the customer unit price stored in the customer information storage unit 125 illustrated in FIG. The creditworthiness of the operator may be evaluated.

  Note that the evaluation unit 133 may add such information to the evaluation of the creditworthiness when it is possible to receive provision of company information from the company data provider 50 with respect to the evaluation target company. Thereby, since the evaluation part 133 can add information, such as an operator's actual financial condition, to an evaluation standard in addition to the information based on the user action on the Internet, it is possible to evaluate a more accurate credit rating. it can.

  In addition, the evaluation unit 133 may evaluate the credit rating of the evaluation target company based on the reputation of the same trader or the state of the industry. For example, when an index value such as the management status of the same company or the industry as a whole or sales of products is rising, the evaluation unit 133 may highly evaluate the creditworthiness with respect to the operators belonging to the industry. Specifically, for a terminal application or the like, an application having the same function may be popular. In this case, the evaluation unit 133 may evaluate the creditworthiness of the business operator high in consideration of the growth potential of the business enterprise that provides the popular application.

(About the calculation unit 134)
The calculation unit 134 calculates conditions related to financing for the business operator. Specifically, the calculation unit 134 according to the embodiment determines whether or not financing can be provided to the business based on the creditworthiness of the business evaluated by the evaluation unit 133 and calculates a specific loan amount.

  For example, the calculation unit 134 determines that a loan can be provided to an operator whose credit rating evaluated by the evaluation unit 133 is a certain value or more. And the calculation part 134 calculates the loan amount with respect to the said provider, when financing is possible. For example, when the accepting unit 131 accepts the desired loan amount from the business operator, the calculating unit 134 multiplies the desired loan amount by a predetermined ratio calculated from the creditworthiness of the business operator, thereby obtaining a loanable amount. Is calculated. Note that the calculation unit 134 may calculate the loanable amount without considering the desired loan amount of the operator. In addition, for example, when there is a track record of financing for another company in the same industry of the business operator who applied for the loan, the calculation unit 134 may calculate the possible loan amount based on the track record.

(About the notification unit 135)
The notification unit 135 notifies a response to the received request. Specifically, the notification unit 135 according to the embodiment determines whether or not a loan can be provided to the business subject to the evaluation in response to the offer of the financial institution server 30 received by the reception unit 131 ( Alternatively, the financial institution server 30 is notified of whether or not it should be financed) or the possible loan amount calculated by the calculation unit 134.

[3. Processing procedure)
Next, the procedure of the evaluation process performed by the evaluation apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 8 is a flowchart illustrating an evaluation processing procedure performed by the evaluation apparatus 100 according to the embodiment.

  As illustrated in FIG. 8, the reception unit 131 according to the evaluation device 100 determines whether a request regarding the evaluation of the operator has been received from the financial institution server 30 (step S <b> 101). If the request is not received (step S101; No), the reception unit 131 waits until it is received.

  On the other hand, when the request is received (step S <b> 101; Yes), the reception unit 131 sends information on the business operator related to the request to the acquisition unit 132. And the acquisition part 132 acquires the information regarding the provider on the internet (step S102). And the evaluation part 133 evaluates a provider's creditworthiness based on the information which the acquisition part 132 acquired (step S103).

  And the calculation part 134 determines financing conditions according to the creditworthiness which the evaluation part 133 evaluated (step S104). First, the calculation unit 134 determines whether or not financing is possible for a business operator (step S105). When it is determined that the loan is not possible (step S105; No), the calculation unit 134 does not calculate the loan amount.

  On the other hand, when it is determined that financing is possible (step S105; Yes), the calculation unit 134 calculates the amount of financing for the business (step S106). Thereafter, the notification unit 135 notifies the financial institution server 30 of the results such as the loan conditions (step S107).

[4. (Modification)
The evaluation apparatus 100 according to the above-described embodiment may be implemented in various different forms other than the above-described embodiment. Therefore, in the following, another embodiment of the evaluation apparatus 100 will be described.

[4-1. Use of related party information)
In the said embodiment, the evaluation apparatus 100 showed the example which evaluates a provider's creditworthiness based on the information regarding a manager's manager, an officer's well-known degree, a personal network, etc. Here, for example, the evaluation apparatus 100 may further acquire information from an SNS used by the manager of the business operator or an individual of the officer, and may use it for evaluation of the creditworthiness of the business operator.

  For example, the acquisition unit 132 acquires information on purchasing behaviors of business owners and officers from the SNS. In this case, the acquisition unit 132 is that the management or individual of the manager or the individual of the officer has purchased a relatively expensive product, etc., or has performed frequent investment activities. Get information such as being. Then, the evaluation unit 133 evaluates the creditworthiness of the business operator based on the acquired management information of managers and officers. For example, the evaluation unit 133 determines that the business condition of the business operator is better as the frequency of purchasing activities and investment behaviors of the business manager and individual officers is higher, and evaluates the business operator's creditworthiness higher. Alternatively, the evaluation unit 133 determines that there is a possibility that the business condition of the business operator is not good when the frequency of purchasing activities and investment actions that have been frequently performed in the past has been extremely reduced. The creditworthiness of Thereby, the evaluation apparatus 100 can evaluate the creditworthiness of the business operator even when the information regarding the financial status of the business operator itself cannot be acquired.

  Moreover, the acquisition part 132 may acquire the information about the individual (individual connected in SNS) in connection with SNS used by the manager of the business operator or the officer. For example, the acquisition unit 132 may provide information such as the status of individuals connected to the managers and officers of the business operator, the size and management status of the company with which the individual is involved, the name and personality of the individual itself, the status of the individual's previous job To get. The evaluation unit 133 determines the personality of the business manager and the individual officer based on the number of persons connected to the business manager and the individual officer, and the above-described information on each person. Then, the evaluation unit 133 evaluates the level of creditworthiness of the business operator based on the level of the network power of the determined business manager or officer. As described above, the evaluation apparatus 100 can improve the business operator's growth by determining the network power of the business operator, and can evaluate the business operator's credit rating based on the growth potential.

  Moreover, the acquisition part 132 may acquire the information regarding a business person's personnel trend among the information transmitted in SNS which the management of a business person and an officer individual use. For example, the acquisition unit 132 acquires information on job offers and job separations at the business. And the evaluation part 133 can judge that the business continuity of the business is unclear when the information on the job offer or the job separation in the business is frequently transmitted, and can evaluate the business operator's creditworthiness low. . On the other hand, the evaluation unit 133 may highly evaluate the creditworthiness of the operator as promising in the growth potential of the operator when the information on the job offer and the expansion of the operator's scale are observed over the long term. it can. In addition, the information regarding the SNS acquired by the acquisition unit 132 may not be limited to the manager or officer of the business operator. For example, when the business is a company, employees of the business may be included. Further, when the business operator is an organization, members of the organization may be included.

  The acquisition unit 132 registers, for example, a word that is assumed to be an evaluation index in advance, and automatically collects information from the SNS for information transmitted on the Internet such as the SNS as described above. Can be adopted. Further, the acquisition unit 132 can acquire information that can be used as an index of evaluation with high accuracy by updating a word registered in advance by machine learning.

[4-2. Profession〕
In the above-described embodiment, the evaluation apparatus 100 acquires not only information related to a business operator that has accepted a loan offer, but also information related to other business operators (for example, the peers of a business operator that has accepted a loan offer). Showed that you can. Here, the evaluation apparatus 100 may evaluate the creditworthiness of the business operator who has accepted the loan application by using information on the business partner of the business operator who has accepted the loan application.

  For start-up companies and small businesses, corporate information provided by the corporate data provider 50 and information on businesses on the Internet may not be accumulated in sufficient quantities to assess creditworthiness. It is possible. In this case, the evaluation apparatus 100 may not be able to accurately evaluate the creditworthiness of the business operator. Therefore, the acquisition unit 132 obtains information on the business scale, products, business development, unit price of customers, etc. of the business operator who has received the loan application and has accumulated a certain amount of information. get. Further, the acquisition unit 132 acquires information related to the business continuity record of the same person and the recent business situation. Then, the evaluation unit 133 evaluates the creditworthiness of the business operator who has accepted the loan application based on the similarity between the business operator who has accepted the loan application and the peer. In this way, the evaluation unit 133 can adopt not only the information on the business operator but also the information on the same size of the same company as an index related to the evaluation of the credit quality, so that the credit quality can be evaluated with higher accuracy. Can do.

  Further, the evaluation unit 133 can also evaluate the creditworthiness of the business operator that has accepted the loan application, using information related to product trends of the same company. For example, the evaluation unit 133 determines that the scale of the industry as a whole is increasing, the needs of consumers are increasing, and the like based on information related to the business conditions of peers. Specifically, the evaluation unit 133 determines that the attention level of the entire industry has improved due to an increase in the number of searches related to peers, an increase in the number of browsing websites, and the like. In this case, the evaluation unit 133 may evaluate the creditworthiness of the business operator high by determining that the growth potential of the business enterprise that has accepted the offer for financing is promising.

[4-3. Amount of information)
In the said embodiment, the evaluation apparatus 100 showed the example which evaluates a provider's reliability based on the various information acquirable on the internet. Here, the evaluation apparatus 100 may evaluate the credibility of the operator using only information obtained from general users who use various websites that exceeds a certain threshold.

  For example, reviews regarding products on a product evaluation site, user evaluations, and the like may show a biased tendency if they are not based on a certain number or more of data. In this case, the evaluation device 100 may not be able to accurately evaluate the creditworthiness of the operator. For this reason, the evaluation apparatus 100 may be configured to evaluate the creditworthiness of the operator using only the reviews and user evaluations transmitted from the user that exceed a certain number. Thereby, since the evaluation apparatus 100 can evaluate the creditworthiness of the business operator based on information determined by a relatively large number of users, the reliability regarding the evaluation can be improved.

[4-4. weight〕
When evaluating the credit rating based on the acquired information, the evaluation device 100 may weight specific information. For example, the evaluation device 100 determines that a website or the like where a specialist in a specific field reviews a product has higher reliability than an evaluation site or the like that accepts posts from general users. In other words, the evaluation apparatus 100 gives more weight to information related to product reviews and user evaluations on websites where experts review products, than information that can be obtained from other general sites, and provides creditworthiness of the operator. To evaluate. Thereby, the evaluation apparatus 100 can accurately evaluate the creditworthiness of the business operator.

[4-5. Loan)
In the embodiment described above, the evaluation apparatus 100 has shown an example in which the calculation unit 134 calculates the loanable amount based on the credit rating evaluated by the evaluation unit 133. However, the evaluation apparatus 100 does not need to calculate the loanable amount. That is, the evaluation apparatus 100 can notify the financial institution only of the information related to the credit rating evaluated by the evaluation unit 133. Then, the financial institution calculates a loanable amount based on the notified creditworthiness of the business operator. In this case, the evaluation apparatus 100 may not include the calculation unit 134.

[4-6. (Businesses that offer loans)
In the above-described embodiment, the business operator who makes a loan application to the financial institution server 30 may be a business operator who opens a store on a comprehensive shopping site on the network managed by the evaluation apparatus 100. At this time, the web server 40 from which the evaluation apparatus 100 acquires information such as user behavior is a server that manages a shopping site where a business operator opens a store. In this case, since the evaluation apparatus 100 can directly acquire information such as purchase behavior of a user who uses a shopping site developed by a business operator from the web server 40, highly reliable information as information used for the evaluation process. Can be easily obtained. For this reason, the evaluation apparatus 100 can evaluate the reliability with higher accuracy. In this case, the evaluation apparatus 100 may be in a relationship of not sharing information from the web server 40 but sharing information transmitted from the user terminal 10 with the web server 40. For example, the evaluation apparatus 100 shares information stored in an external storage server or the like managed by an administrator common to the evaluation apparatus 100 with the web server 40.

[4-7. regression analysis〕
Of the information acquired by the acquisition unit 132, the evaluation unit 133 includes index values (for example, the number of searches, product evaluation rankings, product users, and the like) indicated by variables and the financial information of the business operator. By performing regression analysis, the creditworthiness of the operator can be evaluated. That is, the evaluation unit 133 evaluates the creditworthiness of the operator based on the correlation between the index value obtained by performing regression analysis on the acquired index value and the financial information, and the financial information. For example, the evaluation unit 133 calculates a predetermined regression equation by performing regression analysis using each index value as a dependent variable and financial information of the operator (for example, operating profit and sales amount within a predetermined period) as an independent variable. To do. As a result, the evaluation unit 133 can analyze a correlation such as a change in the financial information of the operator with respect to each index value. Thus, since the evaluation unit 133 can associate the acquired information with the financial information, the evaluation unit 133 can evaluate the reliability with higher accuracy. Note that the acquisition unit 132 acquires the financial information of the operator from, for example, the corporate financial data 52 of the corporate data provider 50.

[4-8. (Similar companies)
In addition, the acquisition unit 132 may acquire the financial status of a similar business operator that is determined to be similar to the business operator because information indicated by index values such as the number of searches is similar. For example, even if the acquisition unit 132 is not the same company as the evaluation target company, the acquisition target 132 is an evaluation target company for a similar business tendency such as search tendency, product evaluation tendency, and scale as a business operator. It is determined that it is a similar business operator, and information on the similar business operator is acquired. Then, the evaluation unit 133 evaluates the creditworthiness of the business based on the financial status of the similar business acquired by the acquisition unit 132. In this way, the evaluation apparatus 100 can evaluate the credit quality with higher accuracy because it can also be used as an evaluation index for the financial status of the business in a scale or industry similar to the business to be evaluated. The acquisition unit 132 acquires financial information of a similar business from, for example, the corporate financial data 52 of the corporate data provider 50.

[4-9. Others]
In addition, among the processes described in the above embodiment, all or part of the processes described as being automatically performed can be performed manually, or the processes described as being performed manually can be performed. All or a part can be automatically performed by a known method. In addition, the processing procedures, specific names, and information including various data and parameters shown in the document and drawings can be arbitrarily changed unless otherwise specified.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each device is not limited to that shown in the figure, and all or a part thereof may be functionally or physically distributed or arbitrarily distributed in arbitrary units according to various loads or usage conditions. Can be integrated and configured.

  For example, the search information storage unit 121, the site information storage unit 122, the product information storage unit 123, the social information storage unit 124, and the customer information storage unit 125 illustrated in FIG. It may be held in a storage server or the like. In this case, the evaluation apparatus 100 acquires various information stored by accessing the storage server.

  In addition, for example, the evaluation device 100 described above receives information about the evaluation of the business operator or notifies the amount of the loan, the front end server side that mainly executes exchanges with external devices, and information on the Internet. Or may be distributed to the back-end server side that executes evaluation processing and the like.

[5. Hardware configuration)
Moreover, the evaluation apparatus 100 according to the embodiment described above is realized by a computer 1000 having a configuration as shown in FIG. 9, for example. FIG. 9 is a hardware configuration diagram illustrating an example of a computer 1000 that implements the functions of the evaluation apparatus 100. The computer 1000 includes a CPU 1100, RAM 1200, ROM 1300, HDD 1400, communication interface (I / F) 1500, input / output interface (I / F) 1600, and media interface (I / F) 1700.

  The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400 and controls each unit. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

  The HDD 1400 stores a program executed by the CPU 1100, data used by the program, and the like. The communication interface 1500 receives data from other devices via the communication network 500 (corresponding to the communication network of the embodiment) and sends the data to the CPU 1100, and the data generated by the CPU 1100 via the communication network 500 is transmitted to the other devices. Send to device.

  The CPU 1100 controls an output device such as a display and a printer and an input device such as a keyboard and a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

  The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads such a program from the recording medium 1800 onto the RAM 1200 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. Etc.

  For example, when the computer 1000 functions as the evaluation apparatus 100, the CPU 1100 of the computer 1000 implements the function of the control unit 130 by executing a program loaded on the RAM 1200. In addition, each data in the storage unit 120 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from other devices via the communication network 500.

[6. effect〕
As described above, the evaluation apparatus 100 according to the embodiment is acquired by the acquisition unit 132 that acquires information related to a business operator from information based on user behavior on a communication network such as the Internet, and the acquisition unit 132. And an evaluation unit 133 for evaluating the creditworthiness of the operator based on the information.

  As described above, the evaluation apparatus 100 according to the embodiment evaluates the creditworthiness of the operator based on the user behavior in the network, unlike the financial information of a company generally used for a financial institution or the like. For example, the evaluation apparatus 100 can evaluate a business operator based on information with immediacy by acquiring information on the Internet. For this reason, according to the evaluation apparatus 100, it is possible to accurately evaluate creditworthiness even for start-up businesses that cannot normally assess creditworthiness and for which financial information or the like is not sufficiently accumulated or small businesses. Can do.

  The acquisition unit 132 acquires information transmitted from the user when using services provided from various websites as information based on user behavior on the Internet.

  Thus, since the evaluation apparatus 100 can acquire various information in each web service, it is possible to acquire information that is not biased as information on the business operator. Thereby, the evaluation apparatus 100 can prevent an evaluation biased toward specific information only with respect to the creditworthiness of the business operator.

  Moreover, the acquisition part 132 acquires at least any one of the search rate by the search query relevant to a provider, search ranking, and the fluctuation rate of the search rate for every predetermined period as information based on the user action in the Internet. Then, the evaluation unit 133 determines the level of reliability based on the magnitude of the value indicated by at least one of the number of searches acquired by the acquisition unit 132, the search ranking, and the variation rate of the number of searches for each predetermined period. evaluate.

  As described above, the evaluation apparatus 100 can determine the degree of attention from the general user with respect to the evaluation target business operator by analyzing the search information. Thereby, since the evaluation apparatus 100 can evaluate the business continuity, growth potential, etc. of the business operator, it can evaluate the credit quality with higher accuracy.

  Moreover, the acquisition part 132 acquires at least any one of the browsing number in the website which a provider provides, the number of viewers, and a conversion rate as information based on the user action in the internet. Then, the evaluation unit 133 evaluates the level of reliability based on the magnitude of the value indicated by at least one of the number of browsing, the number of viewers, and the conversion rate acquired by the acquisition unit 132.

  As described above, the evaluation apparatus 100 can determine the interest from the general user with respect to the evaluation target business operator by analyzing the information on the website provided by the business operator. Thereby, since the evaluation apparatus 100 can evaluate the business continuity, growth potential, etc. of the business operator, it can evaluate the credit quality with higher accuracy.

  Moreover, the acquisition part 132 acquires at least any one of the evaluation value from the user in the product which a provider provides, the number of users of a product, and the number of review posts about a product as information based on user behavior on the Internet. . And the evaluation part 133 is the value shown by at least any one of the evaluation value from the user in the product which the provider provides, the number of users of the product, and the number of reviews posted about the product, acquired by the acquisition part 132 Evaluate the level of creditworthiness based on the size of.

  As described above, the evaluation apparatus 100 can acquire information related to evaluation of the business operator (or product to be provided) from a general user by analyzing information related to the product provided by the business operator. Thereby, the evaluation apparatus 100 can evaluate the business continuity and growth potential of the business operator. Moreover, since the evaluation from a general user is immediately reflected in the site etc. regarding the evaluation of a product, the evaluation apparatus 100 can acquire the reaction with respect to the provider from a general user more directly. For this reason, the evaluation apparatus 100 can evaluate the reliability with higher accuracy.

  In addition, when the product provided by the operator is a program product such as an application, the acquisition unit 132 displays the number of application downloads, the number of users, the average usage time per user, or the operation rate in a predetermined period. At least one of the index values or the fluctuation rate of the index value in a predetermined period is acquired. Then, the evaluation unit 133 evaluates the level of reliability based on the index value acquired by the acquisition unit 132 or the magnitude of the fluctuation rate of the index value in a predetermined period.

  Thereby, the evaluation apparatus 100 can evaluate the business continuity and growth potential of the business operator. Moreover, the evaluation apparatus 100 can use it as an index value for evaluation of creditworthiness with respect to a response from a user having real-time characteristics sent to an app store or the like.

  The acquisition unit 132 acquires at least one of the number of business customers, the continuous usage rate of customers, and the unit price of customers as information based on user behavior on the Internet. Then, the evaluation unit 133 evaluates the level of creditworthiness based on the value of at least one of the number of customers acquired by the acquisition unit 132, the customer's continuous usage rate, and the customer unit price.

  In this manner, the evaluation apparatus 100 can predict the business situation of the business operator by analyzing information related to the business customer. Thereby, since the evaluation apparatus 100 can evaluate the bankruptcy probability of the business operator, business continuity, and the like, it is possible to evaluate the credit quality with higher accuracy.

  The acquisition unit 132 acquires the financial information of the business operator. Then, the evaluation unit 133 performs the regression analysis of at least one of the index values acquired by the acquisition unit 132 and the financial information of the business operator, and the financial value of the business operator. Based on the correlation with information, the level of creditworthiness is evaluated.

  Thus, since the evaluation apparatus 100 can analyze the acquired information and the financial information in association with each other, the evaluation apparatus 100 can evaluate the credit quality with higher accuracy.

  In addition, the acquisition unit 132 acquires financial information of a similar business operator that is determined to be similar to the business operator when the information indicated by the index value such as the number of searches is similar. Then, the evaluation unit 133 evaluates the creditworthiness of the business based on the financial information of the similar business acquired by the acquisition unit 132.

  As described above, the evaluation apparatus 100 can also evaluate financial information of a business in a scale or type of business similar to the business to be evaluated, so that it can evaluate credit with higher accuracy.

  In addition, the acquisition unit 132 is at least one of a manager, an officer, an employee, or a member of a business operator who uses a web service (for example, SNS) for building a social network as information based on user behavior on the Internet. Information is obtained.

  Thus, the evaluation apparatus 100 can estimate the management status of the business operator by acquiring information related to the social connection of the business operator. Thereby, since the evaluation apparatus 100 can evaluate the growth potential of the business operator and the like, it can evaluate the credit quality with higher accuracy.

  In addition, the acquisition unit 132 relates to at least one of name recognition, reputation, and network among information related to business operators or business managers, officers, employees, or members in web services for social network construction. Get information.

  As described above, the evaluation apparatus 100 can acquire, as an evaluation index, a personal connection between managers and officers that does not appear in the financial situation or the like based on information that can be acquired on the Internet. Thereby, since the evaluation apparatus 100 can evaluate the growth potential of the business operator and the like, it can evaluate the credit quality with higher accuracy.

  Moreover, the acquisition part 132 acquires the information regarding the same trader of the provider used as evaluation object. And the evaluation part 133 evaluates the creditworthiness of the provider used as evaluation object based on the information regarding the same trader acquired by the acquisition part 132. FIG.

  As described above, the evaluation apparatus 100 acquires not only the business operator to be evaluated but also information related to the same company. As a result, the evaluation apparatus 100 can expand information that serves as an index related to the evaluation of credit quality, such as the scale and trend of the entire industry, and thus can evaluate credit quality with higher accuracy.

  As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to implement the present invention in other forms with improvements.

  Further, the evaluation apparatus 100 described above may be realized by a plurality of server computers, and depending on functions, an external platform or the like may be realized by calling an API (Application Programming Interface) or network computing. Can be changed flexibly.

  Further, “section (module, unit)” described in the claims can be read as “means”, “circuit”, and the like. For example, the evaluation unit can be read as evaluation means or an evaluation circuit.

DESCRIPTION OF SYMBOLS 1 Evaluation system 10 User terminal 20 Provider terminal 30 Financial institution server 40 Web server 50 Company data provider 100 Evaluation apparatus 110 Communication part 120 Storage part 121 Search information storage part 122 Site information storage part 123 Product information storage part 124 Social information storage Unit 125 customer information storage unit 130 control unit 131 reception unit 132 acquisition unit 133 evaluation unit 134 calculation unit 135 notification unit

Claims (14)

Of information based on user behavior on the communication network, information related to the operator, and information transmitted from the management, officers, employees, or members of the operator to the communication network An acquisition unit to acquire;
Based on the information acquired by the acquisition unit, an evaluation unit that evaluates the creditworthiness of the operator,
An evaluation apparatus comprising: The acquisition unit
As information based on user behavior on the communication network, services provided from various websites, the information acquired from the user when using the service related to the operator,
The evaluation apparatus according to claim 1, wherein: The acquisition unit
As information based on user behavior on the communication network, obtain at least one of the number of searches by a search query related to the provider, a search ranking, and the rate of change in the number of searches per predetermined period,
The evaluation unit is
The degree of trust is evaluated based on the magnitude of the index value indicated in at least one of the number of searches acquired by the acquisition unit, the search ranking, and the variation rate of the number of searches for each predetermined period.
The evaluation apparatus according to claim 1 or 2, wherein The acquisition unit
As information based on user behavior on the communication network, obtain at least one of the number of browsing on the website provided by the operator, the number of viewers, the conversion rate,
The evaluation unit is
Based on the size of the index value shown in at least one of the number of browsing, the number of viewers, and the conversion rate acquired by the acquisition unit, the level of the credit rating is evaluated.
The evaluation apparatus according to any one of claims 1 to 3, wherein The acquisition unit
As information based on user behavior on the communication network, obtain at least one of an evaluation value from a user in a product provided by the operator, the number of users of the product, and the number of reviews posted about the product,
The evaluation unit is
Based on the magnitude of the index value shown in at least one of the evaluation value from the user in the product provided by the business operator, the number of users of the product, the number of reviews posted about the product, acquired by the acquisition unit , Evaluate the level of creditworthiness,
The evaluation apparatus according to any one of claims 1 to 4, wherein The acquisition unit
When the product provided by the provider is a program product, at least one index value of the number of downloads of the program product, the number of users, the average usage time per user, or the operation rate in a predetermined period Or obtain the rate of change of the index value over a given period,
The evaluation unit is
Based on the index value acquired by the acquisition unit, or the fluctuation rate of the index value in a predetermined period, the level of the credit rating is evaluated.
The evaluation apparatus according to claim 5. The acquisition unit
As information based on user behavior on the communication network, obtain at least one of the number of customers of the business operator, the continuous usage rate of customers, and the unit price of customers,
The evaluation unit is
Evaluating the level of credit based on the magnitude of an index value shown in at least one of the number of customers of the business operator acquired by the acquisition unit, the continuous usage rate of the customer, and the unit price of the customer,
The evaluation apparatus according to claim 1, wherein: The acquisition unit
Obtain financial information of the operator,
The evaluation unit is
Among the index values acquired by the acquisition unit, at least one of the index values and the financial information of the business operator, the index value obtained by performing regression analysis, and the financial information of the business operator, Based on the correlation of
The evaluation apparatus according to any one of claims 3 to 7, wherein: The acquisition unit
Obtaining financial information of a similar business that is a business determined to be similar to the business by the similarity of the information indicated by the index value,
The evaluation unit is
Based on the financial information of the similar business acquired by the acquisition unit, the credit rating of the business is evaluated.
The evaluation apparatus according to any one of claims 3 to 7, wherein: The acquisition unit
As information based on user behavior on the communication network, obtaining information on at least one of a manager, an officer, an employee, or a member of the operator who uses a web service for building a social network;
The evaluation apparatus according to claim 1, wherein The acquisition unit
Obtaining information relating to at least one of the name recognition, reputation, and network of the business operator or the business operator, officer, employee, or member of the business within the web service for building the social network;
The evaluation apparatus according to claim 10. The acquisition unit
Obtaining information about the same company's peers,
The evaluation unit is
Based on the information related to the peer acquired by the acquisition unit, the creditworthiness of the operator is evaluated.
The evaluation apparatus according to claim 1, wherein: An evaluation method performed by a computer,
Of information based on user behavior on the communication network, information related to the operator, and information transmitted from the management, officers, employees, or members of the operator to the communication network An acquisition process to acquire;
Based on the information acquired by the acquisition step, an evaluation step for evaluating the creditworthiness of the operator,
The evaluation method characterized by including. Of information based on user behavior on the communication network, information related to the operator, and information transmitted from the management, officers, employees, or members of the operator to the communication network Acquisition procedure to acquire,
An evaluation procedure for evaluating the creditworthiness of the operator based on the information acquired by the acquisition procedure;
An evaluation program for causing a computer to execute.

Images