If I died in the Alipay and WeChat money how to do [Abstract] professionals believe that this problem there are two cases, one is Alipay or WeChat account holder died suddenly, aware of the family capital account, how to do… "I Alipay more than 70 thousand, WeChat more than 20 thousand, if I one day a sudden death, the money will be how to deal with (my family does not know the money)?" Recently, such a look a bit "alarmist", attracted a large number of onlookers. A few people called "xinyouqiqi Yan," said sympathetically. Yangzi Evening News reporter learned that young people today are basically Alipay, the balance of treasure, WeChat change, money paid through such account, through their wealth warehouse. However, the money that exists in this form is likely to be forgotten because of the master’s accident. In view of this, lawyers believe that as Chinese people diversify their ways of saving money, we must abandon the old idea of taboo "leaving a will", and reserve these "passwords" of wealth through various ways as early as possible, so as to avoid unnecessary losses. A "big brain hole" question, in case I am "no", how do family know the money? "I have the Alipay more than 70 thousand, WeChat more than 20 thousand, if I accidentally died, my family does not know the money, the money will be how to deal with? What is the final direction? " Recently, a netizen threw out such a question and immediately brought a number of following posts. "Well, I haven’t thought about it!" A net friend said that. "Most people don’t tell their family when they’re not alive, because they don’t believe they’re going to have an accident." The net friend said "the night is too dark". "Do you think you are in your bank’s account, and you accidentally die, and they will tell you that you have the money in your family?" It’s so naive! " Netizen "fish and bear’s paw". Yesterday, the reporter interviewed a number of young people in Nanjing, almost all of them are a mobile phone. There are various kinds of payment applications, and the deposits are too small. In the West CBD work Mr. Wang told reporters that he was alone in Nanjing work, because of the high interest in Alipay, he saved more than 50 thousand yuan, while the Chinese are taboo to talk about death, but as friends said, if you really suffered misfortune, the money is really no one knows, including their parents. "Honestly, I bind is a mobile phone, associated with a bank card, I’m not in, even if Alipay really can kindly inform you, my mobile phone is turned off, is no answer, that this notice has meaning?" Mr. Wang said, this is really a problem, how to know the family money on my Alipay? Work in Xinjiekou Liu told reporters that the rich own Alipay, wife know, but do not know the password. In addition, its WeChat wallet often has thousands of dollars, but there is no bank card, because the red packet often changes, it is not to be the money. "Although the taboo of death, but if it did not, WeChat red this sum of money is certainly no, no one took it seriously, don’t take out." Xiao Liu said. Reporters interviewed learned that among the young people interviewed, most of them had wealth lying in the network, and quite a lot of them had the nature of "private money", which was not known. "If people are not, they must have gone." Almost everyone thinks that the family will suffer a loss. In fact, according to the financial management division of the proposal, also encourages investment in financial management, do not put the egg in one basket, but to a reasonable configuration, such as the regular current collocation, buy funds, stocks, insurance, now Alipay, WeChat wallet, the balance of treasure and other new deposits appear constantly. It seems that asset disposal encounter accident after, really is not a trivial problem. An often ignored protocol is not used for a long time, Alipay will be canceled, WeChat will recover the netizens in the discussion, also cited such as Alipay, QQ registration protocol. According to the reporter’s research, according to the agreement that people do not read carefully, the family members who have encountered "accident" are more difficult to get back to the Internet heritage. For example, the "Alipay Services Agreement" fourth part third fifth stipulates: "in order to prevent the resource occupation, such as your 12 consecutive months without using your Alipay login or Alipay approved the other way logged your membership number or account, Alipay will be on the cancellation of membership number or account, you will not be able to through the Alipay login login this website or use membership number or account. If there is a correlation of the membership number or account financial products, or the balance of pending transactions, Alipay will help you deal with, please operate according to Alipay that way." There are similar to WeChat, QQ and other accounts, such as "Tencent WeChat software license and services agreement" in the seventh paragraph of article second and fifth stipulates: "the ownership of WeChat account by Tencent Inc of all users, complete the application after registration, only the right to use the WeChat account, and the right to use only part of the initial application for registration. At the same time, the initial application registrant shall not grant, borrow, rent, transfer or sell WeChat account or otherwise license the non initial application registrant to use WeChat account. The non initial applicant shall not use the WeChat account by gift, inheritance, lease, assignee, or any other way. " If a user registers WeChat account, if he doesn’t log in to account for a long time, Tencent has the right to recover the account so as not to cause waste of resources, and any loss it brings will be borne by the user himself. The agreement, when everyone is registered, will click "consent", but no one reads it carefully. Thus, with Alipay and the sudden death of the user, in accordance with the agreement, the money inside will always passively frozen in the user account, waiting for him (her) relatives to claim, and in theory, Alipay "will help you deal with". But in real life, Alipay how to help you, how living relatives know this money account is still unknown. Similarly, as WeChat, QQ, WeChat, and other tools of the "initial public registration", if after the death, according to the agreement, the ownership of all Tencent, and "no gift, borrow, rent, transfer or sale", this number will eventually be the corresponding recovery Tencent, WeChat wallet will face what kind of fate? It’s an unknown number, too. A banking source suggested legislation to regularly publish the "forgotten" account Nanjing, a banking source told reporters, in the bank, there are some dormant account every year, there are more or less money, in general, there are second people with some accounts, the bank can contact the owner, or friends and relatives will be holding a bank card query, a better solution. For the wealth in the network platform, we can extract the death certificate, the account book, the notarization book or the court judgment in accordance with the method of extracting the bank’s funds. But now the problem is that the wealth of these networks is sleeping, their relatives do not know, and how to query the extraction? In response, the professional said, according to the provisions of some agreements, some accounts may be recovered or even canceled after long time no login. So where is the destination of money? There is no definite provision now. In the face of new things, the law also has lagging behind. "I would suggest that legislation should rise to a legal level, and accounts that have been canceled within a certain time limit exceed a certain amount. The provider of the platform should take the initiative to contact the parties, or publish them regularly." The professionals explained that the Swiss bank has always been famous for its strict secrecy, but in the first half of this year, the legislature amended the relevant bank "forgotten" funds of the relevant legal provisions, Swiss bankers had to break the "confidential" system on the Internet published a list of about 2600 people the hope through this for those forgotten in the deposit in the bank to find the owner. "The Swiss bank this is not only to find the owner, but also to find the owner of the future, through the relevant legal procedures to inherit and receive. The professionals said, as long as the regularly published only by now many routes of transmission and speed, is not difficult to find the owner or friends, it is also a kind of network platform to win the trust of the people, for the benefit of the people. The notary office of professional opinion: Internet Co needs to improve its management. Because it may involve inheritance and civil disputes, the reporter consulted professionals in the judiciary and law circles. "There is some truth in the article. There are places to think about, or places that may be faced in the future, but there is no need to worry too much." The Nanjing notary office said that. Professionals believe that this problem there are two cases, one is Alipay or WeChat account holder died suddenly, aware of the family capital account, how to do? Another is the sudden departure of the account holder, and the family does not know that there is a lot of money in his account. What should I do? First, the first situation, the state has not yet clear judicial interpretation of "virtual property", and there is no conclusion in the legal circle. The mainstream view is that according to the inheritance law, it is not possible to inherit the personal nature of the network heritage, such as personal chat tools QQ, MSN, network ID and so on. Without the nature of the nature of the network heritage can be inherited, such as online shops, works copyright and game currency. The solution of this problem is not too difficult. If there are second cases, the Nanjing notarial authorities believe that this requires the Internet Co to constantly improve its own management and self-discipline. There are three ways: one is the Internet Co in this situation, the establishment of a special account storage, and actively looking for account holders or family members, but there are drawbacks, the premise is not mixed with the company’s own account, to prevent the emergence of new problems, such as a Internet Co bankruptcy, asset mix resulted in the death of user accounts of capital loss; two is the initiative to contact the Internet Co with the people’s Bank of China Banking Regulatory Commission or the third party network financial management department; the three is to deal with the notarization business at the notary office, and actively seek the holder or heir. Lawyer: can use the diary form down wealth account Jiangsu Ninglian Yong into law firm lawyers believe that the young heir will make a lot of people can not accept, so deliberately avoided, in fact in many western countries, many young people have their own lawyers, early write wealth list under will, not rare. He believes that the account holder can write to the form of a diary, write down their wealth accounts, passwords do not have to write, at least let relatives see, think of the money in the account information can be admitted to where; their loved ones, which relates to the amount of money matter; not taboo, direct the testator specify what, where, in addition, straightforward; in case of accidents, the lawful heir can also prove relevant materials to common network service providers such as Alipay, WeChat and other request account enquiries.
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