On November 6th, China UnionPay’s QuickPass app (银联云闪付) launched a new function called "Living Score" (全民生活分). The Living Score is based on the user's identification information, browsing behavior, and consumption behavior across multiple dimensions. More specifically, the behavior information includes the consumption data created in the QuickPass app and its bound bankcards. In the future, when clients’ Living Score reaches a certain point, they will be offered a deposit-free option in the renting service. Currently, Ant Group, Tencent and JD.com all have their own credit systems.