"Sesame Credit" began to test some users

January 28 News, January 28, the ant Gold Clothing group's credit agencies "sesame Credits" began in some users of the public test, the first push sesame credit points.

Sesame Credit related person in charge, in the form, Sesame Credit adopted the international credit score---sesame points to visual performance of the level of credit. Sesame Credit score of the lowest 350 points the highest 950 points, the higher the score represents the credibility of the better, the lower the likelihood of default. The 350 to 950-point range is also in line with the international mainstream personal credit scoring range, such as the famous American Fico, whose rating ranges from 300 to 850 points.

According to the person in charge, the Sesame credit is the comprehensive processing and evaluation of the massive information data, including the user credit history, behavior preference, performance ability, identity trait and interpersonal relationship five dimensions. Data sources cover credit card repayment, online shopping, transfer, financial management, water and electricity charges, rental information, residential address relocation history, social relations and so on.

In charge of the introduction, Sesame Credit application will be very wide, in addition to the financial lending relationship has a strong ability to predict credit risk in life services also have a good ability to distinguish. Therefore, in the future in the financial field, the need for deposits, authorized rental, rental, hotels and other industries, emerging areas of economic sharing, marriage, dating and other life scenes, and so on the field can be used sesame credit.

In addition to the Alibaba Group will be connected to the electronic data and the Ant Financial services Group's Internet financial data, sesame Credit and public security network and many other institutions and partners to establish data cooperation, but also will open up various channels to allow users to actively submit various types of credit-related information.

At present, Sesame Credit has taken and paid treasure wallet cooperative way, the public test user login Payment Treasure Wallet 8.5 version, open the "wealth" bar can see Sesame credit score options. Authorized to open, it can be sesame credit.

January 5, the central bank issued to allow 8 institutions to carry out personal credit service preparation, the Ant Financial services group under the Sesame credit.