One "no" do? Construction-Alipay Alipay official, micro-payment-IT information
IT information news on September 23 after IT information reported in an article, this article presents a problem of concern to many people, that is, If one day my money from PayPal do ? According to the reporter's investigation, with PayPal and the sudden death of user, in accordance with the agreement to freeze the money will always be passive in that user's account, waiting for his (her) relatives to claim, and in theory, PayPal "will help you to deal with." But if relatives do not know if this sum of money in their accounts to do? Seems to be an unknown.
But, currently, @ paid treasure official micro-Bo response has this problem, "simple for, everyone without worried paid treasure in of money, approach total than problem more", paid treasure in processing this while of problem has strictly specification of process, can prevent bad posing as died who of family, even fabricated this class message fraud, also, on "heir not know died who have paid treasure, or not know died who of paid treasure account is how many", "If heir forget query died who have paid treasure account, Did PayPal get all this money? "This kind of problem, a detailed approach.
@ PayPal official by a question-and-answer approach to explain issues related to processes, here you can see the official response:
Q: my classmates, urgent! Everyone is asking, one "no", and money from PayPal to collect it?
A: the money must be drawn.
But in order to prevent the bad guys pretending to be relatives of the death, even fabricated the news of fraud, PayPal has a standard process in this regard.
Heirs of death does not need to know PayPal password, as long as the call PayPal customer service phone 95188. Our customer service guides in line to prepare identity cards, death certificates, undertakings and other material, and then upload via Internet, courier or any other means to PayPal, will inherit property in the account.
Not only money from PayPal can take them out and our customer service staff can help queries whether a death through PayPal buy balance treasures, funds, insurance products, and inform the appropriate contact at this time as far as possible to facilitate the heir.
Q: If the heir does not know whether death have Alipay, PayPal account or don't know die is, what should I do?
A: there may be situations, but don't worry, heirs who died as long as you provide a social security number to customer service, you can query the name of death ever pays the valuable account.
Q: would it be people posing as such things to obtain account information?
A: information point, PayPal account, how much money is there, have bought financial products and other information, customer service not at liberty to reveal. The applicant provide documentation of said in the first issue, customer service can assist in query and extract the money inside.
So we all don't worry PayPal vulnerability can be drilled and bad man malicious queries to your PayPal account.
Q: what if heirs who died forgot to query any PayPal account, the money to pay for all that? I think there are some lawyers say.
A: don't know much about the lawyer might have on related laws and regulations. The money never goes to PayPal at all.
China Central Bank paying institutional clients expressly reserve deposit methods, client money from PayPal to all customers, regulators also have comprehensive monitoring and protection measures.
PayPal will always keep the money including the possible return of money, until one day the heirs come to think of it, in accordance with the said process, or to inquire who died, extracting money.
Q: there is talk of "not logged in PayPal for 12 consecutive months, will be sold, the money was gone", there really is such a thing?
A: PayPal may indeed be cancelled no login account for 12 consecutive months, provided that no funds in the account. If the accounts have money, this account will not be cancelled.
Q: one "no", and ants spend, borrow or use it?
A: for the heir, rights and obligations are consistent with, and in death the estate of inheritance at the same time, will also assume the debt of death ...
Q: last question, also on Twitter someone asked, what if PayPal didn't do?
A: most need to worry about this problem, should be dialogue you me!
Well, if we assume that in case the situation could really happen, the customer's money is always the customer's money, PayPal even owe him a debt, we cannot, the law will not allow us to use public funds to pay his debts.
Q: I am really relieved. "Living in this precious world, Sun, waves gently", wish everyone health and peace!
人“没”了钱咋办？支付宝官方释疑 - 支付宝,
微信支付 - IT资讯
IT资讯讯 9月23日消息，此前IT资讯曾报道了一篇文章，该文章提出了一个相信不少人都关心的问题，就是如果有一天我去世了支付宝里的钱该怎么办？根据当时记者的调查，拥有支付宝且突然去世的用户，按照协议规定，里面的钱将会一直会被动地冻结在该用户的账户里，等待着他（她）的亲人来认领，且理论上，支付宝“会协助您处理”。不过如果亲人不知道这笔账户里的钱怎么办？似乎是个未知数。
好在，目前，@支付宝 官方微博回应了这个问题，“简单来说，大家不用担心支付宝里的钱，办法总比问题多”，支付宝在处理这一方面的问题有着严格规范的流程，可防止坏人冒充离世者的亲人，甚至捏造此类消息诈骗，此外，对“继承人不知离世者有没有支付宝，或者不知道离世者的支付宝账号是多少”，“如果继承人忘记查询离世者有没有支付宝账户，这个钱是不是就归支付宝所有了？”等这类问题，都有详细的处理办法。
@支付宝 官方通过一问一答的方法向大家解释了相关问题的处理流程，下面大家可以参看官方的回应：
Q：同学，急！大家都在问，人“没”了，支付宝里的钱能取出来吗？
A：这个钱一定能取出来啊。
不过为了防止坏人冒充离世者的亲人，甚至捏造此类消息诈骗，支付宝在这方面有很规范的流程。
继承人不需要知道离世者的支付宝密码，只要拨打支付宝客服电话95188。我们的客服会引导继承人准备身份证、死亡证明、承诺书等材料，然后通过网络上传、快递等方式给到支付宝，即可继承账户里的财产。
不仅支付宝里的钱能取出来，我们的客服人员还会帮助查询离世者是否通过支付宝买过余额宝、基金、保险等产品，并告之相应的联系方式，在这样的时刻尽可能为继承人提供便利。
Q：如果继承人不知离世者有没有支付宝，或者不知道离世者的支付宝账号是多少，该怎么办？
A：确实可能存在这样的情况，不过不用担心，继承人只要提供离世者的身份证号给客服，就可以查询离世者名下到底有没有支付宝账户。
Q：那会不会有人冒充这样的事情来骗取账户信息？
A：信息查询点到为止，至于支付宝账户名称，里面有多少钱、曾经买了啥理财产品等信息，客服不会随意泄露。只有在申请人提供第一个问题里说的证明材料，客服才会协助查询和提取里面的钱。
所以，大家也不用担心支付宝有漏洞可钻，让坏人恶意查询你的支付宝账户。
Q：那如果继承人忘记查询离世者有没有支付宝账户，这个钱是不是就归支付宝所有了？我看网上有律师是这么说的。
A：这位律师可能对相关法规不太了解吧。这个钱永远不会归支付宝所有。
中国中央银行《支付机构客户备付金存管办法》有明确规定，客户在支付宝里的钱归客户所有，监管机构也有完善的监管和保护措施。
支付宝会一直代为保管这笔钱包括这笔钱可能产生的收益，直到哪天继承人想起来了，按照前面说的流程，还是可以随时查询、提取离世者的钱。
Q：有传闻说“连续12个月没有登录支付宝，就会被销户，里面的钱就没了”，真有这回事吗？
A：支付宝确实有可能会注销连续12个月没有登录的账户，但前提是账户里没有资金。如果账户里面有钱的话，这个账户是不会被注销的。
Q：人“没”了，蚂蚁花呗、借呗还用还吗？
A：对继承人来说，权利和义务是统一的，在继承离世者遗产的同时，也会承担离世者的债务。。。
Q：最后一个问题，微博上还有个人问，万一支付宝没了怎么办？
A：最需要担心这个问题的，应该是正在对话的你我吧！
好吧，如果假设万一这个情况真的有可能发生，客户的钱永远是客户的钱，支付宝就算欠了一屁股债，我们不可能，法律也不会允许我们用大家的钱去还债。
Q：那我就真的放心了。 “活在这珍贵的人间，太阳强烈，水波温柔”，愿每一个人都能健康、平安！