While it’s true that the Chinese government intends to create what it calls a “social credit system,” Sesame Credit and its competitors (of which there will soon be several) have little to do with such plans—at least for now.Ant Financial tells Quartz that Sesame Credit is not a silly game, but the first system in China to incorporate online and offline data to generate credit scores.You can also check the scores of your friends, but only if they grant you permission.

Of course, I need to download the app and sign in before I have any idea just what the hell “SVIP membership” means.

Twelve more points would get me a 100-yuan ($16) bonus when booking hotel rooms.

The diagram doesn’t display the exact score one gets for each category, or any details about how the scores were weighted (much less how the algorithm actually works).

The best guess, it seems, is to assume that the most extended angle in the pentagram shows where one has been particularly successful in racking up points.

But, she emphasizes, the scores won’t go up or down based on one’s profession.

“Let’s say in China you have a Shanghai hukou The third and fourth categories measure timely payments on bills and credit cards, respectively.

Sesame Credit, then, works more like a loyalty program than a credit rating system.

But it is possible that as its user base (36 million people so far) grows, the scope of its financial impact will extend.

Many Alipay users pay their bills through the mobile app and receive reminders through push notifications on their phones.