What does Ant Enterprise Credit mean?

Ant Enterprise will use cloud computing, blockchain, artificial intelligence and other scientific and technological means to connect small and medium-sized enterprises and financial institutions to help solve the problems of financing difficulties and cooperation difficulties for small and medium-sized enterprises.

Sesame Credit is an independent third-party credit reporting agency under Ant Financial. It objectively presents personal credit status through technologies such as cloud computing and machine learning, and has provided credit services for users and merchants in hundreds of scenarios, including credit cards, consumer finance, financial leasing, hotels, renting houses, tourism, marriage and love, classified information, student services, public services, etc.

Product advantage

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.

Protection of personal information

Sesame Credit will not collect personal information such as users' chats, text messages and phone calls, nor will it collect and track users' comments on social media. Even with the authorization of users, only the necessary and effective data of various dimensions related to economic credit evaluation are collected.

Unless otherwise stipulated by laws and regulations, the collection, collation, processing and output of user information, whether it is Sesame Credit or a third-party cooperative organization, must be authorized by the user. Without the authorization of the user, neither Sesame Credit nor the partner can call the user's data.

All data are calculated by scientific scoring model, and there is no manual contact. The system will also automatically desensitize sensitive data through operating rules.