Article 5 of Part 4, Item 3 of the "Alipay Service Agreement" stipulates: "If you have not logged in to your membership account using your Alipay login name or other methods recognized by Alipay for 12 consecutive months or account, Alipay will cancel the membership number or account, and you will no longer be able to log in to this website through the Alipay login name or use the relevant membership number or account, such as financial products, pending transactions or balances associated with the membership number or account. , Alipay will assist you in processing, please operate according to Alipay's prompts."
Article 7 of the "Tencent WeChat Software License and Service Agreement" stipulates: "If a user does not log in to the account for a long time after registering a WeChat account, Tencent has the right to take back the account to avoid wasting resources. Any losses caused thereby will be borne by the user."
According to the agreement, the money in Alipay of a user who died suddenly will always be passively frozen in the user's account, waiting for relatives to claim it, and in theory "Alipay will assist you in handling it."
But in real life, how can Alipay help you? How do living relatives know that their deceased relatives still have such a rich account? is an unknown quantity. Even if Alibaba Company has no right to confiscate the money, it will not take the initiative to remind the family members of the account.
Correspondingly, as the "initial registrant" of WeChat, QQ, WeChat public accounts and other tools, after his death, the account will eventually be recovered by Tencent, and what will happen to the WeChat wallet in that account? destiny?
How to avoid the "evaporation" of online wealth?
As Chinese people save and use money in a diversified way, we must abandon the old concept of "leaving a will" and reserve the "password" for this wealth through various methods early to avoid unnecessary losses. How to prevent your online wealth from "evaporating" after an accident:
First, if you can't get around the psychological barrier and really want to avoid taboos, you can write down your wealth account number and password in the form of a diary. It doesn’t have to be written, at least let relatives think of where the money and property of the person involved is when they see it;
Secondly, you can confess the account information to your relatives, including the amount of part of the money and property involved;
Third, don’t avoid taboos, make a will directly, write down what is where, and be straightforward;
Although death is an unlucky topic, sometimes we have to face it , for example, one day we pass away quietly, what will happen to the money we have in Alipay, WeChat, and QQ?
Many people know that social accounts such as WeChat and QQ do not always belong to one person. This is reflected in the registration agreement. If a user does not register a WeChat account for a long time, Log in to this account, Tencent has the right to take back the account.
Alipay’s agreement is that if the user has not logged in to the user’s membership number or account using the Alipay login name or other methods recognized by Alipay for 12 consecutive months, Alipay will cancel the membership number or account, and the user You will no longer be able to log in to this website through the Alipay login name or use the relevant membership number or account.
But if the person is gone, the money in Alipay is safe. Alipay’s official response said that no matter you are here or not, the money in your Alipay is there. The heirs can contact Alipay, and the company's customer service will guide the heirs to prepare ID cards, death certificates, commitment letters and other materials, and then upload them to Alipay through the Internet, express delivery, etc., and then inherit the property in the account.
If you die suddenly, how will your relatives know whether you have an account? Alipay also responded to this. If the heir does not know whether the deceased has Alipay, or does not know what the deceased’s Alipay account is, the heir only needs to provide the deceased’s ID number to customer service to check whether there is Alipay in the name of the deceased. account.
However, all this must be completed before the Alipay account is canceled, otherwise the money will disappear once the account is canceled.
Therefore, everyone must have the awareness to make a will, or write down clearly where the assets are in the diary. Even if there is no password, the heirs will use the account to contact the relevant company to get the money back. In the end, Legend After the Rain V wishes everyone a long life! Hello everyone, I am Dongbei Qiufeng. My answer is: In order to avoid sudden accidental death, the money in Alipay and WeChat wallets must be prepared in advance for accidents.
People do not need to be taboo about death. Death is inevitable. In order not to leave too much trouble after death, everything must be arranged before death.
Alipay and WeChat are similar in form. As long as your closest relatives know the password of your mobile phone and the password of the bank card bound to WeChat and Alipay, then if there is an accidental death, what should you do next? Things are much simpler.
Transfer the WeChat change or Lingqiantong money to the bound bank card. Before the ID card is canceled, as long as you know the bank card password, you can withdraw money directly from the ATM machine.
The same is true for Alipay. If it is stored in Yu'E Bao and the money is transferred to the bound bank card, you can also withdraw money from an ATM before canceling your ID card. To sum up, if an accidental death occurs suddenly, do not wait until your ID card is canceled before you think of withdrawing money from WeChat, Alipay, and the bank. This will add a lot of trouble, and it will require many tedious inheritance procedures to find customer service and submit applications. . Therefore, the first thing to do when a person is dead is to check the inheritance. If the ID card is cancelled, it will be too late. Everyone will die, and I hope everyone can face the reality. You must explain clearly what you should explain before your death, so as not to cause trouble to your loved ones. I will answer this here, hoping to help you.
I personally made a card and wrote down the mobile phone lock password, Alipay or WeChat login password, payment password, and bank card password on the card. Carry your cards and ID cards with you or leave them at home with a family member you trust most to keep them. I don't think it's safe to have it on me because it's easy to leak secrets in the event of an accident outside. (Fingerprint locks cannot be unlocked by family members, but don’t worry. When the fingerprint lock cannot be unlocked, you will be prompted to use other passwords to unlock the locks.)
When there is a sudden unexpected death or loss of consciousness, your loved ones will use the card to unlock the lock. Open the phone with the password on the phone, click on Alipay or WeChat, then transfer or withdraw the money in Alipay or WeChat to the bank card through the payment password, and finally withdraw the cash through the bank card password.
If there is money in your account, it must belong to the bank without outsiders knowing. If your account is overdrawn, the mobile phone number of your bound relative will receive a call from customer service. Naturally, the purpose of coming is to collect payment. If you have money in your account and your relatives don’t know your withdrawal password, your relatives can issue your death certificate and ask for it from customer service based on your relatives. Of course, if the amount of funds is large, it is natural to submit a suicide note.
This proposition is very good and very general. I just want to change it to not Alipay, not WeChat, but a certain bank card or bank account. Then ask the same question, what should you do? Again, what I mean is don’t hack WeChat and Alipay, banks have this problem too. Just inherit according to the provisions of inheritance law.
1. Let’s talk about inheritance first.
1. The current inheritance law stipulates that inheritance is the legal personal property left by a citizen when he dies, including: the citizen’s income; the citizen’s house, savings and daily necessities; the citizen’s woods, livestock and poultry; the citizen’s forest, livestock and poultry; cultural relics, books and materials; means of production permitted by law to be owned by citizens; citizens’ property rights in copyrights and patents; personal income due to individual contracts; and other legal property of citizens.
2. The Civil Code stipulates that inheritance is the legal personal property left behind when a natural person dies. Inheritance that cannot be inherited in accordance with the provisions of the law or due to its nature shall not be inherited.
2. Is the money in WeChat and Alipay wallets inheritance?
"Several Provisions of the Supreme People's Court on Evidence in Civil Litigation" stipulates: Electronic data is a type of legal evidence, including five major types, 1. Information published on web pages, blogs, microblogs and other online platforms;
2. Communication information of mobile phone text messages, emails, instant messaging, communication groups and other network application services;
3. User registration information, identity authentication information, electronic transaction records, Communication records, login logs and other information;
4. Documents, pictures, audios, videos, digital certificates, computer programs and other electronic files;
5. Others stored and processed in digital form , transmitted information that can prove the facts of the case.
From the perspective of judicial practice, the money in WeChat and Alipay wallets is the legal personal property of citizens. Since it is personal legal property, it can of course be inherited as inheritance.
3. How to inherit.
1. I won’t go into details about the inheritance method. If there is a legacy support agreement, the inheritance will be based on the legacy support agreement, if there is a will, the inheritance will be based on the will, and if there is neither, the inheritance will be based on statutory inheritance.
2. Method 1: If you know the password, just enter the password and transfer it to the heir via WeChat, Alipay, or bank card.
3. Method 2: If you don’t know the password, you can contact the customer service of WeChat and Alipay, and provide the heir’s identity certificate, the deceased’s death certificate and other materials in accordance with the requirements of the two companies.
If a person dies unexpectedly, does the money in Alipay and WeChat wallets belong to Jack Ma and Ma Huateng?
Let’s first take a look at the relevant provisions of the Inheritance Law. According to the "Inheritance Law", if there are no personal restrictions on online inheritance, such as WeChat, Alipay property, work copyright, game currency, etc., they can be inherited.
In fact, WeChat has regulations long ago -
1. We are required to provide a death certificate (issued by the street, public security bureau or hospital)/cremation certificate (cremation certificate) (Issued at the police station) / Account cancellation certificate (Issued at the police station), only one of the three certificates is required.
2. We are also required to have proof of direct kinship (issued by the police station, street or neighborhood committee, must be direct kinship).
Therefore, as long as you have the above information, you can inherit the property. However, we must also know that Alipay actually provides the same inheritance plan, and Alipay can also maintain the inheritance of property. This situation has actually been mentioned in Alipay's relevant instructions.
The fourth item of Alipay's "Alipay Service Agreement" has clear provisions -
Except for the limit of 2,000 yuan that requires our attention, the inheritance of Alipay is actually possible. Very easy to see. If it exceeds 2,000 yuan, we need to upload the notarized deposit inquiry letter issued by the notary office, and Alipay customer service will mail the "Account Inquiry Notification" to the notary office via email or express delivery. After uploading the notarized inheritance certificate, you can obtain this property.
Therefore, whether it is Alipay or WeChat, it can be inherited, but you need to meet the conditions to inherit. If the conditions are not met, the funds may indeed become useless. The Lord's thing.
Don’t worry too much about Alipay. Alipay clearly states that after the death of the user, the property will not be taken back to Alipay, but will still belong to his heirs. Alipay will keep it for the user until the heirs come to take it away. , but relevant certificates need to be provided, and if there are relevant debts in Alipay, you also need to bear the corresponding debts.
For WeChat, it is stipulated in the registration agreement that the ownership of the WeChat account belongs to Tencent. After the user completes the application registration procedure, he only obtains the right to use the WeChat account. Except for the applicant, no one else has the right to use the WeChat account. right to use.
Applicants cannot donate, borrow, rent or transfer to other persons. If a user does not log in to WeChat for a long time, Tencent has the right to take back the account. All losses caused thereby will be borne by the user personally, and the WeChat wallet associated with the account cannot be used alone. Once a WeChat account is canceled, the WeChat Pay associated with it will also be canceled. Therefore, the money in the WeChat wallet may disappear directly. Since the relevant legal regulations on Internet inheritance have not yet been formulated, we can only refer to the existing legal regulations at this stage. Although we only have the right to use the WeChat account, for the financial information in WeChat We have ownership, and you can take back the account in accordance with the regulations, but you should return my finances including it through reasonable channels. Therefore, the heirs also have the right to inherit the money in the WeChat wallet, so if WeChat takes back the account, we also have the right to claim to inherit the legal inheritance in WeChat in accordance with the provisions of the inheritance law.
Since the demand for network resource inheritance is not that big at this stage, the relevant legal regulations have not yet been introduced. Therefore, for these new issues, I believe that new legal regulations will be introduced in the near future. .
If you don’t know what to do, you can make a will in advance and the China Will Library will help you solve the problem.