What is the highest score of sesame credit?

What is the highest score of sesame credit?

Sesame's credit score is 950, of which 350-550 indicates poor user credit, 550-600 indicates medium credit, 600-650 indicates good credit, 650-700 indicates excellent credit, and 700-950 indicates excellent credit.

At present, most users with excellent credit in Alipay have sesame scores above 800, and few users have sesame scores above 900.

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. Useful. Successful repair of overdue credit sesame points is to update the compliance records of users in Alipay and successfully repair the overdue records in the corresponding compliance records of Alipay.

However, not all expired records can be repaired. Only after 20 19, the overdue time is less than 30 days, and the overdue records of flowers and petty cash with overdue amount less than 1000 yuan can be repaired, and they are overdue records that have been settled.

1, Sesame Credit, an independent third-party credit reporting agency under Ant Financial, 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 cards, consumer finance, financial leasing, hotels, renting houses, tourism, marriage and love, classified information, student services and public services.

2. Technical basis

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.

3. "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.

security mechanism

According to Sesame Credit, whether institutions or others want to inquire about Sesame Credit Score, they must obtain the authorization of users themselves, and the credit evaluation is presented directly in the form of score to protect the specific credit information and privacy of individuals.

Main applications

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.

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.

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.

Security mechanism:

According to Sesame Credit, whether institutions or others want to inquire about Sesame Credit Score, they must obtain the authorization of users themselves, and the credit evaluation is presented directly in the form of score to protect the specific credit information and privacy of individuals.

Main applications:

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.

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.

Sesame products such as Sesame Credit Score, Information Verification Service (IVS) and Industry Concern List have been applied to the risk control system of Everbright Credit Card as pre-lending products.

What is the highest score of Alipay Sesame Credit?

As of February 6, 20 19, 19, Alipay's sesame credit reached a maximum of 950 points.

Sesame credit scoring rules:

Sesame credit score is a comprehensive score of personal credit status from five dimensions: user's credit history, behavior preference, performance ability, identity characteristics and personal connections by using cloud computing and machine learning technology and logistic regression, decision tree, random forest and other model algorithms.

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.

Extended data

The Background of Sesame Credit Establishment

2065438+2005,65438+200510.5, People's Bank of China issued a notice, allowing eight institutions to make preparations for personal credit reporting, which is regarded as a signal that China's personal credit reporting system is expected to open to commercial organizations, among which Tencent Credit Reporting and Sesame Credit are among them.

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.

Sesame Credit-Sesame Points

How to grade sesame credit? What are the highest and lowest grades?

Sesame credit is divided into five grades, and the difference between the highest grade and the lowest grade is 600 points:

1, the highest score: 750-950, with excellent credit, accounting for about 20%. These people are the best Alipay users, very active, and basically have no record of default;

2, the second grade: 700-750 points, excellent credit, accounting for about 30%, high activity, very trustworthy;

3. Level 3: 650-700, good credit, accounting for about 25%, positive and good performance;

4. Fourth grade: 550-650 points, moderate credit, accounting for about 20%, and several bad behaviors;

5. Lowest grade: 350-550 points, poor credit, accounting for about 5%, basically belonging to "Lao Lai".

Your score is 73 1, which belongs to the excellent credit level. It is generally no problem to borrow money. In addition, Alipay uses credit-free goods smoothly, such as riding without charge.

What is the highest sesame score?

950 points.

Sesame credit score is the lowest 350 points and the highest 950 points. But few people can get more than 800 points, and those who can get more than 900 points have never heard of it.

In addition, sesame credit scores are also scored, such as 600-650 for users with good credit; 60-700 is an excellent user; More than 700 is good. At a lower level, 350-550 belongs to users with poor credit; 50-600 belongs to general users.

How to improve sesame credit score?

1. Use more credit products such as flower buds and loan buds on Alipay for consumption.

2. Pay back on time and don't default. Alipay platform cannot tolerate default. In case of default, Sesame Credit Branch will fall a lot.

3. Always participate in the activities on Alipay platform and let the platform see your activities.

4. Improve personal information and upload all asset information to your own name if possible.

5. 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 been applied to credit cards, consumer finance, financial leasing, hotels, renting houses, tourism, marriage and love, classified information, student services, public service and other fields.

Sesame credit is a credit system designed according to 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 interpersonal relationship. Based on Alibaba's e-commerce transaction data and Ant Financial's internet financial data, Sesame Credit has established data cooperation with public welfare organizations, public security and other partners. Different from the traditional credit data, Sesame credit data covers credit card repayment, online shopping, transfer, wealth management, water, electricity and coal payment, lease information, address relocation history, social relations and so on.

Sesame Credit can evaluate users' credit by analyzing a large amount of online transaction and behavior data. These credit evaluations can help Internet finance companies draw conclusions about users' repayment willingness and repayment ability, and then provide users with fast credit and cash installment services.

⒏ "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.

(operating environment: iPad2020 14.8. 1 AliPay 10.2.38)