The entrance of "Meituan Trust Points" is in "My Wallet" on the homepage of Meituan App. At present, only some users have opened the entrance. Users can know their current Meituan trust score after agreeing to Meituan trust sub-service agreement, and the evaluation time of trust score is 10 day per month.
What is the trust score of Meituan? The trust score of Meituan is a comprehensive evaluation score of Meituan in four dimensions: user identity information, behavior characteristics, financial performance and performance history. Simply put, it is the "sesame credit" of the US Mission.
Customers with different scores enjoy different rights and interests. Take the "mutual insurance" launched by the US Mission in June last year as an example. Users with a trust score of more than 490 have the opportunity to join 0 yuan and enjoy a maximum of one million guarantees. Users with a trust score greater than 560 have the opportunity to use the function of Meituan's "Flower Garden" (paying monthly bills). Of course, there are also functions such as "borrowing" and "balance treasure" of the Meituan version.
According to the data, users who open the Meituan Trust Score in the later period can enjoy the financial exclusive package privileges, such as increasing the loan amount and interest-free loans.
So far, it is well known that Ali and Tencent have launched a credit system. The former is Sesame Credit, which was officially launched in June 20 15. The latter is wechat payment, which was officially launched in June 20 19.
In terms of time, the business layout of Sesame Credit is nearly five years earlier than that of WeChat Pay, and it has built a perfect service system and a wide range of application scenarios, such as shopping (Taobao, Tmall), credit lending (* * * charging treasure, umbrella), credit leasing (clothes, digital products), free travel (* * * bicycles) and free accommodation (hotels).
The just-started WeChat payment point is also following the attempt. At the beginning of the launch, WeChat official said that WeChat payment score is a comprehensive calculation score of personal identity, payment behavior and compliance history. At present, it covers dozens of scenes, such as charging treasure free of rent, riding first and paying later, WeChat machine payment, hotel free of reservation, logistics express payment first and paying later, entertainment equipment payment first and paying later.
But in fact, there are many giants with credit scores, including mobile communication, JD Finance, Suning Finance, former mobike, OFO, etc. At present, Sesame has the best credit.
Compared with Alipay and WeChat, the application scenarios of "Meituan Trust Points" are relatively limited. At present, the services that users can experience are only the functions of "mutual assistance between US delegations" and "paying the bill on a monthly basis". The functional development of Meituan's trust points is still in the testing stage, but it does not rule out the possibility of opening its own take-away, accommodation, e-commerce, bicycle enjoyment, finance and other businesses and credit systems in the later stage.
In addition to introducing "trust points", the new "flash purchase" has also increased the categories of instant delivery goods such as 3C digital, upgraded from the original "flash purchase" to "whole food set", and laid out the fresh food industry with the previous online "Meituan shopping" model; Upgrade Meituan's errand business to Meituan's distribution platform; And laying * * * charging treasure all over the country, etc.
As Meituan continues to expand the layout of consumption scenarios, it is believed that the application scope of "trust points" will also expand. However, under the comparison of the traffic advantages and rich application scenarios of Ali and Tencent, can "Meituan trust points" become the next dark horse? Let's wait and see.