Sesame credit score is a comprehensive personal credit score objectively presented based on various dimensions of information (including financial lending, transfer payment, investment, shopping, travel, accommodation, life, public welfare and other scenarios) after Alipay Sesame Credit is authorized by users, and is used to predict the default rate of individuals in credit behavior. Generally speaking, the higher the sesame credit score, the higher the probability of keeping the promise.

Function of Sesame Credit Score: When Sesame Credit Score reaches a certain score, you can enjoy the following benefits.

1, affecting consumer loans

Including Alipay loans (sesame score ≥600), good-term loans (sesame score ≥700), bank credit card applications and loans. Sesame Credit has successively cooperated with other financial institutions, taking sesame points as the basis for lending.

2. Rent-free housing benefits

I love my family's renting house in Yu Xiang, and the deposit is reduced and the rent is paid monthly (sesame score ≥600 has the opportunity to enjoy); If the sesame score is above 750, there is still a chance to enjoy the deposit-free service.

3. Rent Yong 'an City Bicycle without deposit (sesame score ≥600 points can be enjoyed).

4. Hotel accommodation is free of deposit

If the sesame score is ≥600 and there is no bad record, you will have the opportunity to enjoy the credit stay in many hotels in Ali Tourism, free of deposit and pay in advance.

5. Car rental benefits

If the sesame score is higher than 650 and there is no bad record, you will have the opportunity to enjoy the benefits of deposit-free car rental, pre-authorization and other third-party car rental agencies such as Youbai bicycle rental, car rental, and car rental.

6. Visa processing

Sesame score ≥700, you can apply for a Singapore visa; You can apply for a Luxembourg visa with a sesame score of ≥750, which easily solves the troubles of various data deposit certificates and other troublesome processes in the past. More countries will join in the future.

7. Credit online shopping, experience first and then pay.

If the sesame score is ≥650, you will have the opportunity to enjoy the convenience and benefits of shopping first and paying later.

8. Credit lease

Sesame score ≥600 points, have the opportunity to rent some unusual photographic equipment, luxury goods, digital products, etc. No credit, convenient for short-term use, and no need to spend high prices to buy products, convenient and affordable.

9. Credit discount for eating, drinking and having fun

Sesame score ≥650 points, have the opportunity to enjoy the exclusive preferential price of credit to buy products/services related to eating, drinking and having fun.

10, credit recovery

If the sesame score is ≥580, you will have the opportunity to enjoy multiple benefits such as express delivery to pick up the pieces, giving money first and then mailing, and high recycling price provided by platforms such as Idle Fish, recycling treasure and Estimated Recycling.

More details of benefits can be found on the Alipay mobile client-Sesame Credit-Credit Life page.

Extended data

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.

The score range of sesame credit score is 350-950.

What is the sesame score in Alipay? What's the use?

Sesame Branch is an independent third-party credit evaluation agency under Ant Financial-Sesame Credit Management Co., Ltd., which is based on your various consumption and behavior data on the Internet, combined with traditional financial lending information and other alternative data.

Using cloud computing, deep machine self-learning and other technologies, through logistic regression, model upgrade decision tree, random forest and other model algorithms, the user's credit evaluation results are reflected in the form of easy-to-understand scores.

The use of sesame:

First, travel does not stay.

1. Free deposit riding

Free deposit cycling is a simple and convenient way for users with good credit (sesame score above 600 points) to travel with public bicycle service providers.

2. Rent a car free of deposit

Free deposit car rental is a more convenient way for users with good credit (sesame score above 650 points) to book free deposit car rental through the internet, and it only takes 2-3 minutes to easily embark on the journey.

Second, free accommodation.

1. Credit renting house

Sesame Credit cooperates with many rental platforms (Xiangyu, Youke Yijia, etc.). ). According to the difference of sesame seeds, the rental platform will provide different rental schemes, rent-free and monthly rent, reducing the pressure on young people's deposits.

2. The hotel is free.

Sesame Credit cooperates with many hotels and B&B platforms (Flying Pig Travel, Pig short rent, etc.). ) For users with good credit (sesame score of 600 or above), provide deposit-free service after living first, so that they can enjoy the services of deposit-free, queue-free and round-free.

Third, credit loan and repayment.

Sesame Credit provides deposit-free loan service for users with good credit (above 600 points). You can check the nearby borrowing points by turning on your mobile phone, and you can borrow the required items by scanning the QR code on the items.

Extended data:

Regeneration time of sesame seeds

Sesame score does not change in real time. Sesame Credit will re-evaluate your credit status on the 6th of each month. As there are many users updating on the 6th, I suggest you inquire the next day.

Sesame points to negative record complaints

Sesame credit is the presenter of information, and the specific negative records are provided by the corresponding merchants or government agencies. If you disagree with the negative record, it is suggested that you contact the negative information provider for consultation or appeal first, or contact Sesame Credit Customer Service to submit an objection application.

According to the national credit laws and regulations, the negative record will be kept for 5 years after your re-performance.

Sesame Credit-Credit Loan and Repayment

Sesame Credit-Free Travel

Sesame Credit-Free Accommodation

Sesame Credit-Frequently Asked Questions

What is the use of Alipay Sesame Credit Score?

Sesame credit function:

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.

Extended data:

Sesame credit score calculation formula:

Sesame credit score = accumulated undistributed profit of last year+realized net profit of this year-distributed profit of this year.

Profits distributed this year = fines and penalties for confiscation of property losses and violation of tax laws+compensation for losses in previous years+withdrawal of surplus reserve and statutory public welfare fund+profits distributed to investors.

Total expenditure calculation formula:

Surplus reserve = operating income-operating expenses-depreciation of productive fixed assets-product tax+net rental income, net rental income of other assets and net converted rental of self-owned houses, etc. The net income of property does not include the premium income from the transfer of ownership of assets.

Real growth rate of per capita disposable income = (per capita disposable income in the reporting period/per capita disposable income in the base period)/consumer price index-100%.

Investment-oriented net cash flow is a description of the cash inflow and outflow of enterprises to be built, expanded or rebuilt during the construction period, production date and the whole life of production period. Its calculation formula is:

Net investment cash flow = net investment cash inflow-net investment cash outflow

Net inflow of investment cash = sales revenue+recovery of residual value of fixed assets+recovery of current assets.

Net cash outflow from investment = fixed assets investment+injected liquidity+operating cost+sales tax and surcharge+income tax+special fund.

This indicator can be divided into total investment cash flow, self-owned capital cash flow, domestic investment cash flow and foreign investment cash flow according to the source of funds. In the evaluation practice, because the profitability of technical assets is evaluated rather than the ownership after profit, the net cash flow of all investments is generally regarded as the expected income.

What's the use of sesame credit score?

1, you can use at least one * * * bicycle with sesame score above 600, and no deposit is required. * * * Enjoying a bicycle is too important for office workers. As long as the sesame score reaches more than 600 points, you can scan the code and ride directly in Alipay without a deposit. There are not many cities that are open to cycling without deposit, but first-tier cities and some second-tier cities can be exempted.

2. You can rent a car without a deposit if the sesame score is more than 650 points. For migrant workers who don't have a car, renting a car is the best choice when they want to go to go on road trip with their family and friends on holidays. If the sesame score is above 650, the procedure will be much simpler, and it is quite convenient to avoid the deposit.

3. If the sesame score is more than 600 points, you can rent items without deposit. Among them, loanable items include charging treasures, umbrellas, books, clothing, digital products, toys, overseas WIFI, smart homes and so on.

4. In Hangzhou and Wuhan, if the sesame score is above 550, you can get the electronic bus card directly. You can use it without recharging, scan the code and get on the bus, and deduct money directly from Alipay account, which makes daily travel more worry-free.

The higher the sesame score, the more opportunities to reduce the deposit when renting a house, and the rent is paid monthly. Renting a house is the housing choice of many office workers, often for at least two or three months, while some landlords require to pay the rent for a quarter or half a year first. The importance of sesame seed points is reflected at this time, so that you can enjoy more concessions in the process of renting a house.

6. The higher the sesame score, the looser the peer-to-peer lending quota. When the cash flow of life is difficult, besides cooperating with relatives and friends around you, peer-to-peer lending is a good choice. The higher the score, the more convenient the procedure.