Sesame credit score 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.
Extended data
Advantages of sesame credit score
1, widely used in real-name registration system.
All users of Sesame Credit are real-name certified users, covering a wide range. Many people who have no credit record in traditional credit investigation have started to have their own credit evaluation.
2. Unique data value
Sesame credit data covers hundreds of scenarios such as loans, payments, travel, accommodation and public welfare. , including e-commerce data, internet financial data, public institution data, partner data, user upload data, etc. , which can describe the credit status well.
3. Strong processing ability
Sesame Credit has the ability to prepare for disasters in the same city and a strong ability to query and call merchant credit information. Since the public beta, it has effectively and stably supported the 7*24-hour query and call of users and merchants in various industries.
4. Sharp industry insight
Sesame Credit has gathered a number of top global data scientists and leading figures in the financial industry with experience in international risk management and credit management system construction, deeply integrated traditional credit evaluation with innovative credit evaluation in internet plus, and has rich experience and profound insight into the industry.
5. Convenient scene application
Sesame credit application has covered many fields such as credit finance, credit car rental, credit hotel, credit rental, credit marriage, credit visa and so on. Ordinary people can simply and intuitively feel the value and convenience of credit.
Baidu encyclopedia-sesame credit