Sesame credit:
Set the background
On October 5th, 2065438+05/kloc-0, 15, the People's Bank of China issued a notice to allow eight institutions to carry out personal credit investigation, which is regarded as a signal that China's personal credit investigation system is expected to open to commercial organizations. These include Tencent Credit and Sesame Credit.
Supporting technology
Sesame credit is a credit system designed according to various data.
Sesame credit score is a comprehensive processing and evaluation of massive information data by Sesame Credit, which mainly includes five dimensions: user credit record, behavior preference, contract performance ability, identity characteristics and interpersonal relationship. Sesame credit transaction data is based on the internet financial data of Alibaba and Ant Financial, and the data jointly built by public institutions and partners such as Public Security Network. Traditional reference data, sesame credit data covers credit card payment, online shopping, transfer payment, wealth management, water, electricity and coal, lease information, address relocation history, social relations and so on.
"Zhima Credit Information" evaluates users' credit by analyzing a large number of online transaction and behavior data, helps Internet finance enterprises to draw the conclusion of users' repayment willingness and repayment ability, and then provides users with fast credit and cash installment services.
Sesame Credit is essentially a credit information system, which collects data from the government and financial system and comprehensively analyzes users' behavior records on platforms such as Taobao and Alipay.
security mechanism
According to Sesame Credit, checking Sesame Credit score requires user authorization, whether it is an institution or others. Moreover, credit evaluation is presented directly in the form of scores, which protects personal credit information and privacy.