Tencent's Internet big data credit mainly utilizes the social network's massive information, such as online, property, consumption, and socialization, to establish a credit report for users based on Internet information.

Specifically, the credit collection system will use its big data platform TDBANK to collect and process data such as relevant behaviors and basic portraits in different data sources, and use statistics and traditional machine learning methods to arrive at a user's credit score and form a personal credit report. Tencent Credit is actively applying new technologies for research and validation, and the credit application of social data is a cutting-edge exploration globally. The initial success of our modeling research team has shown that social data can significantly improve the accuracy of personal credit.

In addition to helping users build personal credit, Tencent Credit will also provide meaningful references for relevant financial institutions or risk control of financial businesses. A number of P2Ps, banks and insurance companies have already expressed strong interest in accessing Tencent's personal credit service.