This payment method is convenient and quick, which has created a lot of convenience for our daily life. This payment method not only provides convenient basic functions such as payment, transfer and collection, but also enables people to quickly complete credit card repayment, charge phone bills, pay utilities and gas bills, manage money easily, interact with friends and improve people's quality of life. This is also a major advantage of informationization.
In addition to the convenience of Alipay, Alipay has also launched a series of functions such as ant flower buds, which can make people spend in advance. For consumers, they can buy what they like directly, instead of saving money and waiting for a long time, so that people can enjoy the treatment of having no money to spend. This is also very suitable for the consumption pattern that modern young people rely on.
With the increasingly powerful financial management function of Alipay, many people can put their own funds into Alipay for financial management. The regular funds of Yu 'ebao and Ant Flower Garden have gathered a lot of user funds.
As we all know, Alipay users correspond to everyone's account, and when we register our account, we will have a real name registration system. Generally speaking, everyone can use the function of flower bud. Then, some people will ask, if Alipay users suddenly die, do they need to pay back the money that Hua Bai owes?
Do you need to return the truth? In this case, Alipay will also have a corresponding solution. My Alipay account died suddenly and unexpectedly, and the money I owe Bai Hua has not been paid back. As we all know, Bai Hua has a fixed repayment date every month. If the time is up, Baihua will automatically deduct money from the bank or Alipay account.
However, if there is no money in your account, Alipay staff will contact the family or relatives of the account through real-name authentication, mostly referring to children and other heirs to return the flowers. Similarly, if the Alipay account still dies suddenly, relatives can legally inherit the remaining balance of Alipay users.
Then someone will say, what if this person has no children and no other heirs? If you encounter such a situation, there is nothing you can do. Alipay will treat this situation as a bad debt. In other words, you don't have to pay such an account. Alipay will treat this debt as a bad debt.
Reasonable inheritance of course, under normal circumstances, if there is no heir and the bank has no depositors to pay, it is also very difficult to open Alipay flower buds, and the amount of use rights is also very small.
In order to prevent such a situation from causing greater losses, Alipay will also know the social, family and occupation of the account holder when registering each account in real-name registration system. If the user has no relatives or legal heirs, Alipay will provide a certain amount to the user to prevent Alipay from losing too much.
If Alipay users suddenly die, the balance of Alipay users will be automatically used by their legal heirs or children. If the funds are kept in Alipay for a long time, you don't have to worry, and the funds will not be confiscated. We will always keep money and all kinds of interest generated by money in Alipay, and Alipay will always keep it for users until the account or my relatives and my legal heirs come to inquire.
What will happen in the end? If Alipay users are not dead, but they don't return the flowers for a long time, it will also have very serious consequences. In addition to directly sealing flowers, they will also block users' bank cards and credit cards, and the accounts of Alipay, WeChat and Taobao will also be frozen and cannot be loaned.
So don't be opportunistic, don't be in debt. At present, Alipay brings a lot of convenience to people, but we should also make rational consumption within our own consumption range. The more money we owe, the greater the impact on our credit.
In this case, the answer is yes. If an Alipay user dies suddenly, there are two situations. The money owed to Bai Hua is borne by the user's children or legal heirs. In the second case, if there are no children or heirs, Alipay will be treated as a bad debt.