Alipay two life scenes of the use of the personal credit line was how to define

The scene

personal credit business is how to define? In the world, the credit score of purpose and object are clearly defined, generally speaking, the scope of insurance, employment, loan, rent, free to use in other applications can.

 

source: Vision China

Alipay has two "circle" caused huge controversy within one week slipped off the assembly line.

, November 29th at noon, the reporter found that the original news interface, in the Alipay home page "white-collar diary" and "campus diary" invited into has no content. The reporter tries to search for the words of the key words in Alipay software, can not find the information displayed.

"circle" is Alipay in November 24th after the update, grayscale test for some users of the new social product. Alipay will be based on the consumption data of the real name authentication account, for the characteristics of the user groups are divided, and invited users to enter the corresponding circle "".

from the business perspective, the promotion of "life circle" can add social elements Alipay wants to improve, and can help the user to bind the identity information to improve the credit. But from the user’s point of view, their own identity, data and credit scoring, unknowingly be used to match Alipay into the social circle, and for the promotion of marketing, may not be a particularly good experience.

is especially touched the public nerve, although the "campus diary", "white collar diary" all users search can join the circle, but only allow female students users, female white-collar users to publish content, allowing only male users comment on the photo sesame credit score reached 750 points and a reward ". Gray scale test when there is no lack of two circles in the name of the name of the user released a large scale photos, can not help but associate.

This

is based on a social credit, let Alipay users have no sesame credit points into a qualified social behavior threshold, once again led the discussion of why the credit.

September 2015, sesame credit has played "future airport" concept, said in mid September to mid October sesame credit score reached 750 or more passengers, and can show the sesame credit page to the airport staff, you can enjoy the capital airport rapid domestic security. But then the media broke the central bank to sesame credit points marketing campaign window guidance, the capital airport will also be removed.

The scene

personal credit business is how to define? In the world, the credit score of purpose and object are clearly defined, generally speaking, the scope of insurance, employment, loan, rent, free to use in other applications can.

big data credit company Yibo Rui insiders have said to the interface of news reporters, many companies will use the method of scoring for the letter but the same to results, scores in different scenarios cannot guarantee the effective use of all.

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