A: 你听说了吗？我们城市要开始试点社会信用体系了。Nǐ tīngshuō le ma? Wǒmen chéngshì yào kāishǐ shìdiǎn shèhuì xìnyòng tǐxì le.
Have you heard? Our city is going to start piloting a social credit system.
B: 听说过，但具体是怎么运作的？每个人都要参加吗？Tīngshuō guo, dàn jùtǐ shì zěnme yùnzuò de? Měi ge rén dōu yào cānjiā ma?
I've heard of it, but how exactly does it work? Does everyone have to take part?
A: 据说是收集你在交通、消费、银行等各方面的行为数据，然后给你打一个信用分。分数高的能享受一些便利，分数低的可能处处受限。Jùshuō shì shōují nǐ zài jiāotōng, xiāofèi, yínháng děng gè fāngmiàn de xíngwéi shùjù, ránhòu gěi nǐ dǎ yí ge xìnyòng fēn. Fēnshù gāo de néng xiǎngshòu yì xiē biànlì, fēnshù dī de kěnéng chùchù shòuxiàn.
Apparently it collects behavioral data about you across transport, spending, banking and so on, then gives you a credit score. Those with high scores enjoy certain conveniences, while those with low scores may be restricted at every turn.