What is Sesame Credit?

What is Sesame Credit? What is the function of sesame?

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 for users and merchants in hundreds of scenarios, including credit cards, consumer finance, financial leasing, hotels, renting houses, tourism, marriage and love, classified information, student services, public services, etc.

Sesame credit is a credit system designed based on various data.

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.

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.

In essence, "Sesame Credit" is a credit information system, which collects data from the government and financial system and fully analyzes the behavior records of users on platforms such as Taobao and Alipay.

What is Sesame Credit?

Sesame Credit is a third-party credit reporting agency established by Ant Financial. Sesame credit is based on the personal credit status and compliance records generated by users' consumption in various scenarios, which mainly includes five dimensions: user credit records, behavior preferences, performance ability, identity characteristics and personal relationships. Therefore, we must pay attention to these aspects if we want a high credit score.

Sesame has a high credit score and can get many privileges, such as riding a bike without a deposit and opening a flower shop. If you reach a certain score, you can borrow a flower shop and an online merchant bank. If Sesame has a credit score of more than 750, you can apply for a Luxembourg visa and freely enter and leave the Schengen countries of the European Union.

To improve the sesame credit score, we must first improve Alipay's personal information, such as completing driver's license, provident fund, work unit and housing information. You can also use the flowers and loans in Alipay. When you use it, you must repay it on time and don't default. If it is overdue, the Sesame Credit Branch will decline quickly and various functions will be closed.

Sesame Credit is updated on the 6th of each month. If you keep good habits for a long time, you can pay special attention to the monthly update of sesame credit, and you can get more privileges after the sesame credit score is improved.

What does sesame credit mean?

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 for users and merchants in hundreds of scenarios, including credit cards, consumer finance, financial leasing, hotels, renting houses, tourism, marriage and love, classified information, student services, public services, etc.

1. Sesame Credit is a social-oriented credit service system. Based on all aspects of information, it uses big data and cloud computing technology to objectively present personal credit status. By connecting various services, everyone can experience the value brought by credit.

2. Sesame credit score is the product of Sesame Credit Management Co., Ltd., which is the credit score obtained by Sesame Credit Management Co., Ltd. after processing, sorting and calculating the personal user information collected at present. Scores range from 350 to 950. The higher the score, the better the credit rating. Higher sesame score can help individuals get more efficient and better service.

3. Sesame Credit serves everyone. In specific applications, Sesame Credit strictly follows the mechanism of user authorization and protects everyone's right to protect their privacy. At the same time, Sesame Credit advocates the concept of "circulation". Only when the credit of each of us circulates and forms an orderly flow of credit information can we really bring value to each of us, help the society form a complete credit system, and truly realize that "the trustworthy is unimpeded and the untrustworthy is unable to move". Start with small things, let credit equal wealth!

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.

What is Sesame Credit? What's the use?

Sesame Credit is a credit scoring system designed according to human behavior data (especially online behavior data). 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.

In essence, Sesame Credit is a credit information system, which collects data from the government and financial system, and more importantly, fully analyzes users' records in Taobao, Alipay and social media.

Sesame credit use:

1, credit lending, credit consumption. How many flowers can you borrow according to the different credit scores of sesame seeds?

2. Free deposit and credit cycle. If you have good credit, you can ride a bike without a deposit, such as a little blue bike.

3, you can rent a car without a deposit, which is convenient for travel.

4. If Sesame has a high credit score, you can go through expressway first and then pay by bus.

5. After the sesame credit score reaches a certain level, you can rent items without deposit, such as charging treasure, umbrella and clothes. You can sell second-hand mobile phones and digital currency first, and rent smart phones and Apple computers without deposit.

Extended data:

Methods of improving sesame credit score;

1. Return the credit card in time to avoid overdue records.

2. When you have the ability, do more social welfare, and helping others is also helping yourself-to put it bluntly, donate more money with Alipay.

Don't change the phone number easily. I don't want to pay the phone bill if I owe it. People who wander around like it.

4, water, electricity and gas bills, remember to pay in time after seeing the reminder, don't expect the institution to dare to pull you to stop your water, you have been in arrears since you broke the gas.

Do more things that reflect the sense of family responsibility, such as caring for parents, children and lovers, and don't just care about yourself when shopping online-this means helping others pay more with "caring payment".

6. Opening credit accounts such as credit cards and flower beds, the sooner you use them, the more you will benefit your sesame credit.

7. Make more friends with good credit. As the saying goes, birds of a feather flock together, and your friends generally have low scores, which will also affect you.

8. Don't be crazy about "buying in buy buy". Spending money on shopping with Alipay can only slightly improve the credit score, which has little to do with it.

9. Taobao should receive goods on time and pay in time when buying things! If the system automatically receives goods and automatically pays each time, it may affect the credit score.

Baidu encyclopedia-sesame credit