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Insights into Sesame Credit & Top 5 Ways to Use a High Sesame Score

These are the top ways in which netizens’ high Sesame Credit scores can be used in daily life.

Manya Koetse

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There’s been much talk about China’s ‘credit score’ recently, with many media conflating the country’s Social Credit System with the commercial Sesame Credit programme. In this article, we will explain the latter: what is Sesame Credit and what can users do with their high score?

Note: for more about the Social Credit System and differences in its media coverage in China and the West, please see this article.

With all the talks about China’s nascent Social Credit system and commercial social credit programmes, it is becoming clear that Chinese netizens are entering a ‘credit lifestyle’ (信用生活).

“All Chinese citizens now have a score,” is an idea that has popped up in many foreign media over the past years, often conflating it with China’s nascent ‘Social Credit System.’ To read more about the Social Credit System see our articles about this here or here. In this article, we will solely focus on Sesame Credit.

On Weibo, the official Sesame Credit account (@芝麻信用), which has over 240,840 followers, often announces new ways for people to profit from their (high) Sesame Credit score.

What’s on Weibo explores and lists five different ways in which a high Sesame Credit score can be used in China today. But first – what actually is Sesame Credit?

 

About Sesame Credit

 

Sesame Credit (Zhīma xìnyòng 芝麻信用) was launched on January 28, 2015, by Alibaba’s Ant Financial, after it had received permission by the PBOC (People’s Bank of China) to be one of the eight Chinese companies to experiment with personal credit reporting.

According to the Sesame Credit company, its major goal is to make credit more widely available to consumers and small business owners, and to “enable credit providers to make holistic and accurate decisions,” while also “empowering merchants to provide more credit-related services.”

Image via http://www.twoeggz.com.

Because Sesame Credit is part of Jack Ma’s Alibaba Group family (Ant Financial is an affiliate of the Chinese Alibaba Group), Sesame Credit has an enormous amount of data at its disposal, from e-commerce sites to finance products. China’s biggest shopping websites Taobao and Tmall belong to Alibaba’s vast online ecosystem, as does payment app Alipay.

It is not mandatory for users to opt into Sesame Credit. Some have compared the system to a loyalty program, although it is a bit more than that. Since 2015, for example, Sesame Credit also cooperates with the popular online dating service company Baihe.com (百合网), so that people can link their dating profile to their credit score. Sesame Credit already had 520 million users as of 2017.

Since its launch, various foreign media have written about Sesame Credit as an ‘Orwellian system.’ Among others, one of the reasons for this, is that Sesame Credit incorporates a publicly available ‘blacklist’ into its scoring process. The ‘blacklist’ is a Chinese courts’ list with the names of people that have an effective court justice against them; inclusion on this list can make users’ existing Sesame Credit drop dramatically, which would make people miss out on all perks of having a high Sesame Score.

Earlier in 2018, Alibaba, along with the seven other private credit programmes that were allowed to run their trial in 2015, become shareholders and active contributors to a new unified platform that has access to an enormous number of personal credit data. At the so-called ‘trust alliance’ (信联) Baihang Credit (百行征信), state level and commercial organizations join forces in further developing China’s credit systems.

 

About the Score

 

Within the Sesame Credit programme, the lowest score one can get is 350. The highest is 950. This score is based on users’ behavior across various platforms. A score of 550 to 600 is an intermediate/normal score. 600-650 is considered a ‘good’ score. Those in the 700-950 range are exceptionally high in score.

For those who first opt-in to Sesame Credit, and who have not had any violations, 600 is usually the score to receive.

Sesame Credit example scores explained, from 385 being in the low range to 731 being in the ‘good’ range.

Some of the important elements the score is allegedly based on, are –

• (35%) general credit history: past payment history and indebtedness – if persons still have enough credit on their credit card when purchasing items, if they pay their gas & electricity on time [often done through Alipay in China], pay violations tickets on time, etc.
• (25%) general financial status/fulfillment capacity: the available amount on users’ Alipay account, if they are renting a car/house etc. and are able to pay for it, status of Huabei (a credit card function within the Alipay wallet), etc.
• (20%) online behavior and preference: the extent to which an account is actively used, how many purchases are done, etc.
• (15%) people’s personal characteristics: educational background, address, real-name registrations, etc.
• (5%) contact network and interpersonal relationships: how many online contacts one has, ones’s influential power in contact list, interactions between user and friends, etc.

For those who opt in to Sesame Credit and have a high score, there are many different ways to benefit from it, as listed below.

 

The Top Ways to Benefit from Sesame Credit

 

Please note that there are more ways to benefit from a high Sesame Credit score, but we have listed five popular ones below.

 

#1 ‘Credit Treatment’ at Hospitals

 

In November of 2017, Sesame Credit first launched its “Credit Medical Treatment” (信用就医) services for people with a score over 650, with Shanghai’s Huashan hospital being the country’s first hospital to implement the function.

With “Credit Medical Treatment,” patients could save up to 60% of waiting time at hospitals by cutting lines and not needing to pay for treatments upfront. Payments are done through Sesame Credit’s in-app credit function Huabei (花呗).

While a normal procedure at Chinese hospitals can be time-consuming, the Sesame Credit procedure is much more efficient, mainly because people do not need to line up to pre-pay for their medical check-up and the medications.

Normal procedure:

(±20 min) 1. Arrive and register at the hospital and pay for it
(±60 min) 2. Waiting time to see a doctor
(±10 min) 3. Doctor’s appointment/consultation
(±20 min) 4. Line up for payment [of examination]
(±20 min) 5. Check-up/Examination
(±20 min) 6. Queue up for payment
(±10 min) 7. Pick up medicine

Image via xinhuanet.

The procedure with Sesame Credit:

(±3 min) 1. Register at hospital and payment by phone.
(±10 min) 2. Automatically get a number to see the doctor.
(±10 min) 3. Doctor’s consultation.
Payment [for examination]
(±20 min) 4. Examination.
Payment [for medicine]
(±10 min) 5. Pick up medicine

There are also other ways in which people with a good Sesame Credit score can enjoy extra services and benefits at hospitals. Those with a score over 600, for example, can rent a wheelchair in hospitals without deposit.

 

#2 Try First, Pay Later

 

Since September 2018, Sesame Credit offers the possibility to “try out” purchases from Tmall for consumers who have a Credit Score of over 700, promoting the idea of “never regretting a purchase.”

With this concept, people can order clothes or other items from e-commerce platform Tmall (天猫 Tiānmāo in Chinese) without any risk, having the guarantee to always being able to send back items that are unsatisfactory without paying for them.

There are also frequent promotions done by brands and companies in collaboration with Sesame Credit, such as offering people with a high credit score (over 750) to try out the newest Ford for three days, or to use the latest Meitu phone for 30 days for free, without necessarily needing to buy it afterward.

Meitu promotion for Sesame Credit users with a score over 750.

Sesame Credit also makes it more tempting for its users to spend money on (Alibaba) platforms in other ways. The higher one’s credit is, the more one is able to lend from online lending service Huabei; those with a credit higher than 750 can lend up to 20,000 RMB (±$2890). Unsurprisingly, the literal translation of Alipay’s ‘online credit card’ service Huabei (花呗) is “Just Spend.”

 

#3 No Deposit on Shared Bikes (and other things)

 

Sesame Credit has a partnership with bike sharing platforms Hello Bike (哈罗单车) and Ofo, allowing users with a credit over 650 points to rent these bicycles, that can be found anywhere in bigger cities in China, without paying a deposit.

It is not the only service that does not require a deposit for those with a high Credit score; using a shared umbrella, or a publicly available shared phone charger, or even renting apartments, often no longer needs a deposit for those with a higher score.

 

#4 Open Access to Libraries

 

In many places in China, people who have a Sesame Credit score over 550 no longer need to pay a downpayment and can set up a library card for free, in other places people with a higher Sesame score no longer need a library card at all to borrow books at their local libraries and/or their automated self-service street libraries (just their ID).

Since April of 2018, this special service for Sesame Credit users (not needing a card) was introduced in the entire Zhejiang province. Public libraries in other places, such as Shanghai, have already been experimenting with Sesame Credit perks for library lovers since 2015.

 

#5 Special Lounges at Train Stations

 

Especially during peak seasons such as the National Day holidays or Spring Festival, China’s train stations can get exceptionally busy. For Sesame Credit members with a score over 650, there are now special lounges to relax.

Sina notes that the lounge is only available to those members who have also bought a higher fair ticket (first class), or who have a platinum status.

By Manya Koetse

Spotted a mistake or want to add something? Please let us know in comments below or email us.

©2018 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

Manya Koetse is the editor-in-chief of www.whatsonweibo.com. She is a writer and consultant (Sinologist, MPhil) on social trends in China, with a focus on social media and digital developments, popular culture, and gender issues. Contact at manya@whatsonweibo.com, or follow on Twitter.

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China Digital

TikTok’s In-Video Search Function (And How to Activate It)

TikTok shows a glimpse of what in-video search is going to look like in the future.

Manya Koetse

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What is TikTok’s new in-video search function and how to activate it?

Twitter’s most awesome WeChat guru Matthew Brennan recently posted about an “in-video search function” launched in the Chinese social video app TikTok (抖音). (Click here to read about the difference between the Chinese and overseas version of TikTok).

As shown in a video posted by Brennan, the function allows TikTok users to select the face or clothes of a person appearing in a short video to search for other videos or images containing the same person or clothes.

The ‘vision search’ is a powerful new function within the super popular app.

The idea is that it becomes easier than ever for Tiktok users to find (and buy!) a piece of clothing, that perfect handbag, or even a snack featured in a video.

It also helps users to quickly find other videos in which an online celebrity appears. The function ultimately is an additional feature that keeps users scrolling and shopping within the app – increasing app traffic – as long as possible.

On September 16, Chinese media reported about the function as a “powerful” new tool that greatly strengthens the functionality of the popular short video app.

The function might not immediately seem completely new to Chinese app users; like Google Image Search, Baidu and Taobao also have similar functions (百度识图, 淘宝识图).

On e-commerce platform Taobao, for example, you can take a photo of an item you want (e.g. a certain snack as in example below) and Taobao will try to find the exact same product and list the online stores where you can buy it.

But TikTok’s in-video search function is on a whole new level; it does not require users to scan or upload a photo at all. It gives an indication of what visual search will be like in the future.

Whatever video comes by in your TikTok stream, you only need to click the “search” function (识图), select the part of the video you want to search for (you can drag the square from area to area), and TikTok will find the product or face you’re looking for – as long as there are comparable products/faces (it does so very fast).

Very much like Taobao, TikTok will recommend various (in-app) online stores where the product can be purchased.

Want to try out the function? For now, it only works in the Chinese version of the app and is still in the ‘testing phase’ and does not work with all videos.

Make sure you have an updated version of TikTok.

1. Go to “me” (我) page within TikTok
2. Tick the three lines in the top right corner
3. Go to the last option in the sidebar menu titled “lab” (实验室)
4. Activate the function (image below).

So now if you spot a dress you like and would like to buy, press the ‘search’ button on the right of a video, select the dress, and TikTok becomes like your personal shopping assistant looking for similar dresses for you.

Tiktok makes shopping supereasy.

This really makes online shopping more addictive than ever, and also makes it more difficult for people in online videos to hide where they bought their clothing, or what other videos they are in.

Read more about Tiktok here.
Read more about Chinese apps here.

By Manya Koetse

Spotted a mistake or want to add something? Please let us know in comments below or email us.

©2019 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

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China Digital

Didi Riders Can Now Have “Verified Party Members” Drive Them Around

Party-building 3.0? Didi has got it covered.

Manya Koetse

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This is Party-building in the new era: Didi now allows users of its Premier Car Service to let a verified Party member drive them to their destination.

On September 20, as the People’s Republic of China is nearing its 70th-anniversary celebrations, the country’s most popular taxi-hailing app Didi published an article on Weibo and WeChat explaining its verified Party Member Driver Program.

Recently, riders in Beijing may have noticed something different at Didi’s Premier Car service, which is called “Licheng” 礼橙专车 since June of last year.

Some of Licheng’s drivers now have a red background to their profile photos accompanied by a Communist Party emblem. Upon clicking the profile of these drivers, customers will see that this driver is a Party Member Driver (“党员司机”) – meaning that the Didi driver’s status as a Party member has been verified through Didi’s “Red Flag Steering Wheel” program (红旗方向盘项目) that was set up in November 2018.

Didi’s “Red Flag Steering Wheel” program (红旗方向盘项目) that was set up in November 2018. Image via Guancha.

Didi writes that these drivers can also be identified as Party members through the red sticker on the dashboard at the passenger side, which literally says “Party member driver.”

The article explains that the recent project is an effort to contribute to China’s Party-building in the digital era, and that Didi aims to establish a Party member community within its company.

This car is driven by a Party member (image via Didi/Weibo).

The company is apparently planning to make this community a lively one, as it promises to provide online and offline activities that will help these drivers stay up to date with the latest developments within the Party, and that will increase their “Party awareness.”

Starting this month, Didi will reportedly also offer “patriotic classes” to all of its drivers via its online classroom program.

China has more than 88 million Party members. Party membership does not come overnight; those who want to become a Communist Party member need to attend Party courses, pass written tests, be recommended by other members, and pass a screening (read more here).

As for now, riders cannot manually pick to have a Party member as their driver; a nearby driver will be automatically selected when they order a car – if it is a Party member, they will know straight away from the driver’s profile.

For now, Didi has set up “mobile Party branches” in Beijing, Shanghai, Shenzhen, and a number of other cities.

On Weibo, some see the initiative as a marketing move from Didi’s side. “If you hear the driver is a Party member, you know it’s reliable. It’s a good thing.”

The past year was a tough year for Didi, after the murders of two young women by their Didi driver made national headlines, causing outrage and concerns about customer’s safety when hailing a car through the Didi company.

By Manya Koetse

Spotted a mistake or want to add something? Please let us know in comments below or email us.

©2019 Whatsonweibo. All rights reserved. Do not reproduce our content without permission – you can contact us at info@whatsonweibo.com

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