The user said that when adding these unknown accounts under the real-name authentication information, he did not receive any form of confirmation or notification information, whether it was SMS, email or information in the station after logging in. It was a complete coincidence that I clicked on the link of real-name authentication before I realized that I had more unknown accounts.
The user believes that "unknown account loans are also placed under the real name information. That is, someone else's loan, I will pay it back. " Therefore, the user contacted Alipay customer service for the first time. The customer service said that the Alipay account was bound to the sub-account, and the user needed to appeal to unbind, and the responsibility was not Alipay.
Another customer service of Alipay also said:
First, Alipay's real-name authentication binding process does not need to confirm the real-name authentication account or log in to the real-name authentication account. As long as the identity information submitted by the applicant is consistent with the authentication account number, it will pass the authentication binding by default;
Second, Alipay's real-name account binding function has no real-time notification in the form of SMS, email, in-station notification, etc. , and users need to log in to Alipay to check the binding status of real-name accounts;
Third, if you want to delete the sub-account, you must appeal and upload your ID card again.
In response, Alipay officials responded on Weibo that it was because the account holder leaked personal privacy information such as ID card, which led to the connection with authentication. These sub-accounts bound to user accounts cannot be used for loans, and these sub-accounts cannot initiate loan services such as ant flower buds as users. If the account is stolen, causing financial losses, the insurance company that Alipay cooperates with will compensate the user, with a maximum compensation of 6,543.8+0,000.
The full text of Alipay's official response is as follows:
1, Alipay's real-name authentication always requires multiple information verification such as ID card and bank card. If it is found that there are other related accounts under Alipay's real-name authentication account, it is because the account holder leaked personal privacy information such as his ID card, which led to related authentication. Therefore, please take good care of personal privacy information such as personal account password, ID card and bank card to avoid bringing unnecessary security risks to yourself.
2. Can these sub-accounts bound to user accounts be used for loans? The answer is no, these sub-accounts cannot initiate loan services such as ant flower buds as users. Because of the opening of services such as ant flower garden, not only comprehensive user information and historical consumption data of reference users will be available, but also additional risk control means will be available for control. Please rest assured of this.