It is reported that the Weichat payment points come from the big data in Weichat payment, such as personal consumption, compliance and a series of combined calculation scores. However, unlike Sesame Credit, the Wechat payment score between friends will affect its score.
Wechat payment is mainly composed of three core dimensions: identity characteristics, consumption characteristics, and compliance history. At present, this function mainly tests for merchants, providing them with three functions: user risk identification, collection and deduction, and joint punishment, in order to reduce the bad debt rate of merchants.
In fact, at the end of last year, it was reported that Wechat Payment Score had been tried out in Guangdong. Now Wechat Payment Score has landed in first-tier cities such as Beisheng, Guangzhou and Shenzhen for gray test. However, the entrance has not yet been opened and is expected to be launched nationwide this year.