1, Sesame Credit Score is the comprehensive processing and evaluation of massive information data by Sesame Credit, which mainly includes five dimensions: user credit record, behavior preference, performance ability, identity characteristics and personal relationship. Based on Alibaba's e-commerce transaction data and Ant Financial's internet financial data, Sesame Credit has established data cooperation with public institutions and partners such as Public Security Network. Different from traditional credit data, Sesame credit data covers credit card repayment, online shopping, transfer, financial management, water, electricity and coal payment, rental information, address relocation history, social relations and so on.
2. "Sesame Credit" can evaluate users' credit by analyzing a large number of online transactions and behavior data. These credit evaluations can help Internet finance enterprises to draw the conclusion of users' repayment willingness and repayment ability, and then provide users with fast credit granting and cash installment services.
3. In essence, "Sesame Credit" is a credit information system, which collects data from the government and financial systems and fully analyzes users' behavior records on platforms such as Taobao and Alipay.
Main uses of sesame:
1. In order to facilitate users to know the credit level of friends around them, Sesame Credit has set up a small game similar to "Credit PK", which can compete with friends for credit. If the other party authorizes the consent, you can also directly check the sesame score of the other party.
2. During the public beta, Sesame Credit has negotiated cooperation with partners in car rental, renting, marriage, visa and other fields, and will provide experimental services soon. For example, in the future, when the user's sesame score reaches a certain value, it is expected that there is no need to pay a deposit for renting a car and staying in a hotel. Online shopping can be tried before buying, and visa application does not require a deposit certificate.
3.2065438+In May 2006, China Everbright Bank announced a formal cooperation with Sesame Credit, a subsidiary of Ant Financial, and introduced the whole product system of Sesame Credit. After obtaining the authorization of users, Sesame Credit will be used as the basis of online card issuance and risk control. At present, sesame products such as sesame credit score, information verification service (IVS) and industry attention list have been used in the risk control system of Everbright Credit Card as pre-lending products.
Operating environment: vivo mobile phone: Y93 8. 1.0 AliPay: 10.2.0.