微信新功能“支付分”系统上线

WeChat Rolls Out Credit Scoring System
微信新功能“支付分”系统上线

Following Alibaba’s Alipay, Tencent’s messaging and payment app WeChat has officially rolled out a personal credit rating system to determine the trustworthiness of users via their payment behavior and credit history on the platform, according to a report from media outlet Jiemian.
界面新闻报道，继阿里巴巴旗下支付宝之后，腾讯的即时通讯和支付应用微信已正式推出个人信用评级系统，其通过用户在平台上的支付行为和信用历史来评判用户的可信度。

Named “WeChat Pay Score,” the new AI-assisted system is accessible through the WeChat Pay tab but is only available to users who have completed real-name verification. Before activating the feature, users will also be given a notice about how many of their contacts are already using the service.
这款全新的AI支持的系统名为“微信支付分”，可从微信支付界面进入，但仅对完成真实姓名核验的用户开放。在激活前，用户将收到一则公告，详细说明了这项服务中涉及的所有合同。

Depending on users’ WeChat Pay Score, they can have access to a maximum of 1038 personal-credit related services. With a high enough credit score, users can rent items such as home water purifiers, power banks, and tablets deposit free from designated service providers. Several ride-hailing and hotel service platforms have also been connected to the credit system.
用户最多可以使用1038项与个人信贷相关的服务，这取决于用户的微信支付分。 如果分足够高，用户可以从指定的服务供应商免押金租用诸如家用净水器、移动电源（充电宝）和平板电脑。 信用系统还对接了一些打车和酒店服务平台。

Credit scores on the system vary widely, ranging from as low as 300 to as high as 850. According to Chinese media reports, Tencent’s chairman and CEO, Pony Ma, had a WeChat Pay Score of 835, though WeChat soon revealed that there are scores as high as 848.
该系统的信用分差异很大，从300分到850分不等。据中国媒体报道，腾讯董事长兼首席执行官马化腾的微信支付得分为835分，但微信很快揭示了微信用户信用分高达848分。

WeChat has started testing its credit score system since as early as 2018, though the tests were generally on a small scale. In August 2019, Geng Zhijun, the vice president of Weixin Group, said the credit rating system has helped users save tens of billions in deposits in three months. The messaging app also said it has plans to expand use scenarios for WeChat Pay Score.
微信早在2018年就开始测试其信用评分系统，但内测总体上规模很小。 2019年8月，微信集团副总裁耿志军表示，信用评级系统已帮助用户在三个月内节省了数百亿美元的存款。这个通讯app还表示，它让微信支付分在更多场合通用。

Tencent’s credit rating system is similar to Alipay’s Zhima Credit, or Sesame Credit, which calculates users’ credit scores based on a variety of factors such as purchases on Alibaba’s e-commerce apps and spending using Alipay’s mobile wallet.
腾讯的信用评级系统类似于支付宝的芝麻信用，后者根据各种因素（例如在阿里巴巴系列电商app上的购买记录以及使用支付宝移动钱包的消费记录）计算用户的信用评分。

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