Credit Sesame explains that there are five dimensions to this score. These are an individual user's credit history, behavioral preferences, ability to perform, identity traits and connections. In other words, Credit Sesame's score is related to these five dimensions. Sesame Credit does not publish the specific details of the score, but only the general scoring dimensions, so that the user has the direction to improve the credit score, but not through a specific one or two behaviors to increase the credit score, in order to put an end to some malicious cheating behavior.

Sesame Credit, as a company under Ant Gold Services, owns Alibaba's e-commerce transaction data as well as Alipay's Internet financial data, including Alipay's business data such as Balance Bao, Zhaocai Bao, coal, electricity, water, gas and other life payments and credit card repayments, and it also owns public **** data provided by the Public Security Network.

Three major data sources and five dimensions make up a user's basic credit score.

First of all, the cumulative amount of purchases made on Alibaba's e-commerce system Tmall Taobao Jushu and other purchases, the type of purchases made, records of returns and exchanges, and even the chat records of Ali-Wangwang are all important scoring criteria for Sesame Credit. In fact, the super preemptive sound found that the score is very high users are basically heavy users of Ali e-commerce.

Secondly, using Alipay's credit card repayment function and making timely payments can effectively improve your Sesame Credit score. Sesame credit is not currently docked to the central bank's personal credit system, credit history is mainly past credit account repayment records and credit account history. Since there is no personal borrowing history, credit card repayment history is especially important. The credit card repayment function was pioneered by Alipay, and its records have been available for three or four years. Credit card repayment history is estimated to be a big factor in the first dimension. The high rating of Super Precedent has a lot to do with the opening of Alipay credit card repayment as well as timely repayment habits. Super Sonic's rating is a few dozen points higher compared to a friend with a similar shopping record, who only did not open the credit card repayment function.

Currently, WeChat Pay has also opened a credit card repayment function, because the repayment information is not possible for the two **** to enjoy, the competition between the two will be more intense. Continuous repayment in one will increase the credit score, and accordingly will reduce the credit score in the other.

Thirdly, the larger the amount invested, the more business you use and the more frequently you use the balance, Zhaocaibao and Alipay Life Services, the higher your score.

Those users who exceeded the Ultra Prestige rating were similar in terms of shopping and business use, but the amount invested in Balance Treasure and Zhaizaibao exceeded Ultra Prestige. If a user has been using Balance Treasure to manage money and has been accumulating amounts non-stop, that user's Sesame Credit score is definitely higher.

Fourth, the richness of personal information and connections.

The degree of personal authentication of Alipay users, and the credit score of accounts with frequent transactions of large sums of money are all related to the final score. Alipay provides a portal for users to authenticate all kinds of information, and Alipay has previously offered growth points based on the richness of a user's information, which can lead to a gold account after a certain point, and SuperFirstSound believes that the original Alipay gold accounts will all have good credit scores.

Alipay users' relationships with each other are based on money transfers and payments on behalf of other people, and it was not until recently that Alipay opened a dialog function that does not rely on money transfers, so the interaction between Alipay accounts is a strong credit relationship, and the credit rating of one account will inevitably affect the credit rating of another account.

WeChat does not have such a strong monetary connection between friends, and a middle-class user with good credit may be able to have a conversation with a user with bankrupt credit because WeChat has the Shake and Nearby function, and the association between people has randomness and geolocation friends in addition to friends. It would clearly be unrealistic to credit correlate the two, and it's hard to imagine an Alipay user crediting an account of complete strangers.