360 IOU is a personal and micro-credit platform under 360, which was launched on September 20 16. It evaluates customers' credit based on 360 big data and provides instant consumer loans on this basis.
It objectively presents personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.
The application amount of 360 IOUs is granted according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quantity is also dynamic. When the user behaves well within a period of time and meets the withdrawal policy, the corresponding amount may increase.
Relying on the advanced Internet security technology and big data technology of 360 Group, 360 IOUs are committed to improving the domestic personal credit system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient financial services for all social groups with financing needs based on massive user credit data and behavior data.
360 IOUs take multiple measures in terms of safety and risk prevention and control:
1) Establish a credit portrait of users, and 360 IOUs establish a credit system based on sufficient social network data, which will sort out the credit behavior portrait of each user and rate the credit limit of users.
2) Establish a social behavior model, 360 build a credit score calculation system based on the user's social circle, and take the user's personal relationship as a credit rating reference.
3) Establish a white list and blacklist system to open a green channel for high-quality credit users, and on the other hand, provide inquiries for blacklisted users to prevent users from applying repeatedly, others from applying, providing false information, and preventing gang fraud.
4) Leading security technology, relying on 360' s leading cloud security system, 360 borrows a number of technologies to protect users' data security, privacy security and account security.
5) Professional and high-quality team, 360 has a leading domestic high-level safety technical team and a risk control team from a large domestic financial institution.