"Dead Alipay account" is not totally unfounded-PayPal-IT information
Young people now are basically balance of payment card, Po, micro-change, money and other such accounts, warehouse express their wealth. However, the Internet in form of money, probably due to accidents involving masters and be forgotten. Recently, some netizens expressed such concerns, "I Alipay has more than 70,000 yuan, slightly more than 20,000 yuan, if I were to sudden unexpected death any day, the money will be what to do with (my family did not know the money)? ”
With deep effects on the economy of the Internet, more and more people put their money on the Internet. Such property is not a game such as pure virtual, and corresponds to the real property. General rules for Internet companies if the account is not used for a long time will be logged off, this means that personal property is likely to be "confiscated".
"People don't have the money", the current problems might not be very sharp, but will gradually increase the rate. This money cannot sleep, cannot become the property of Internet companies.
Entities also exist in the Bank in this case, but generally coping mechanisms. For example, banks every year some "dormant accounts" have more or less money, and some accounts have a secondary contact, the Bank can contact, or relatives with a bank card that allows parties to query. Network platform "dormant accounts" problem can be solved in this way.
"Dormant accounts" should establish a regular release system. As recommended by the professionals: "more than a certain amount, and platform providers should take the initiative to contact the parties concerned, or published on a regular basis. "In addition, should establish a public query system. In the real-name system, the "dormant accounts" corresponds to one specific person, account with bank card interchange. Internet companies should be allowed and supported the account owner's relatives queried by virtue of certain formalities. If "money", it should be promptly returned through certain procedures.
Some entities Bank is a good example. For example, Switzerland has always been known for its strict secrecy of banks, but in the first half of this year, Switzerland within the legislature amended the relevant Bank "forgotten" funds of the relevant legal provisions. Switzerland banks to break the "confidential" system, has posted a list of about 2600 people, hope for those "forgotten deposits" find the owner. Such a responsible attitude to customers, and banking, Internet companies.
"You pay" are not unfounded, everyone has to face this problem in the future. Both in terms of responsible attitude to customers, or from the viewpoint of promoting the healthy development of Internet banking, on the legislative level should attach to this issue. Of course, users should change traditional attitudes, develop a "will" of consciousness.
“人死了支付宝账号还在”，并非杞人忧天 - 支付宝 - IT资讯
现在的年轻人基本上都有支付宝、余额宝、微信零钱、财付通等之类的账号，直通他们的财富仓库。然而，网络形态存在的钱财，很可能因主人发生意外而被遗忘。近日，有网友表示了这样的担心，“我支付宝有7万多元，微信有2万多元，如果我哪天突然意外死了，这些钱会被怎么处理（我的家人并不知道这笔钱）？”
随着互联网对经济的深度影响，越来越多的人把资金放在网上。这种网络财产，还不是游戏装备等纯粹意义的虚拟财产，而对应着真实财产。互联网公司一般规定如果长期不使用的账户会被注销，这意味着个人网络财产很有可能被“充公”。
“人没了钱还在”，目前问题可能还不是十分尖锐，但发生机率会逐步增大。这笔钱不能就此休眠，更不能成为互联网公司的财产。
实体银行里也存在这种情况，但一般都有应对机制。比如说，银行每年都有一些“休眠账户”，内有或多或少的资金，有的账户有第二联系人，银行可以联系上，或者允许当事人的亲友拿着银行卡来查询。网络平台的“休眠账户”问题也可以通过这种方式解决。
针对“休眠账户”，应该建立定期公布制度。正如专业人士建议的：“里面超过一定的金额，平台提供方应主动联系当事人，或者定期公布。”除此之外，还应建立公开查询制度。在实名制下，“休眠账户”对应着一个个具体的人，账户一般都与银行卡联通。互联网公司应该允许并且支持账户主人的亲友凭借一定手续进行查询。如果查出“钱还在”，应该通过一定的程序及时返还。
有些实体银行是很好的榜样。比如，瑞士银行向来以严格的保密制度著称，但在今年上半年，瑞士立法机关修改了有关银行内“被遗忘”的资金的相关法律条款。瑞士银行为此打破“保密”制度，在网上公布了一份约2600人的名单，希望为那些“遗忘的存款”找到主人。这种对用户负责的态度，值得银行、互联网企业学习。
“人没了支付宝还在”并非杞人忧天，未来所有人不得不面对这一问题。无论是从对用户负责的态度，还是从促进互联网金融健康发展的角度，都应该在立法层面上重视这一问题。当然，用户也应该改变传统观念，养成“留遗嘱”的自觉。