Sesame Credit is an independent third-party credit reporting agency under Ant Financial. It objectively presents personal credit status through technologies such as cloud computing and machine learning, and has provided credit services to users and merchants in hundreds of scenarios such as credit card, consumer finance, financial leasing, hotels, renting houses, tourism, marriage and love, classified information, student services and public services.

During the public beta, Sesame Credit has negotiated cooperation with its partners in various fields such as car rental, renting, marriage and visa. , and will provide experimental services soon. For example, in the future, users will get a certain sesame score, and it is expected that there will be no need to pay a deposit for renting a car and staying in a hotel. Online shopping can be tried before buying, and there is no need to apply for a deposit certificate when applying for a visa. ?

20 16 In May, China Everbright Bank announced that it had formally cooperated 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 for reference as the basis for 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. ?

Extended data:

Scoring rules:

Sesame Credit Score (Sesame Credit Score for short) refers to the comprehensive processing and evaluation of data in various dimensions (covering financial lending, transfer payment, investment, shopping, travel, accommodation, life, public welfare and other scenarios) by using cloud computing and machine learning technologies under the authorization of users. , and can comprehensively process and evaluate the data from the aspects of user credit history, behavior preference and performance ability.

Scores range from 350 to 950. Continuous data tracking shows that the higher the sesame score means the better the credit level, and the lower the probability of default in financial lending, life service and other scenarios. Higher sesame score can help individuals get more efficient and better service.

Composition of sesame credit score:

1. Credit records: past credit account repayment records and credit account history;

2. Behavior preference: preference and stability in shopping, payment, transfer, financial management and other activities;

3. Performance ability: stable economic sources and personal assets;

4. Identity: sufficient and reliable personal basic information left in the process of using related services;

5. Personal relationship: the identity characteristics of friends and the degree of interaction with friends.

References:

Baidu encyclopedia _ Sesame Credit