Sesame score is a combination of personal information, that is, behavior preference, identity characteristics, performance ability, personal connections and credit records. These personal information are calculated by computer multi-dimensional factors and data combined with complex models. Scores range from 350 to 950, and the higher the score, the better the personal credit. Let's talk about the basis of these five personal information in detail.

Credit history is judged according to your personal credit card, car loan, hotel reservation and even taxi.

Behavioral preferences, most internet behaviors, and data such as paying utilities, caring donations, and adding items to family members.

Performance ability refers to whether you have enough wealth and comprehensive ability to repay debts or fulfill agreements.

Identity, through education, professional qualifications, consumption records, etc. , to determine whether the online identity information is true and comprehensive.

Personal connections, whether your friends also have a good credit record, and so on.

None of these five items can determine the sesame score. We should synthesize the data of these five items and finally calculate the total score of sesame. In the Internet age, the problem of personal credit is indeed a common problem of the Internet. Perhaps Ali's Sesame Credit will change the Internet finance industry and establish personal credit standards for the Internet finance industry.