Mobile payment has brought convenience to the transfer between friends, but sometimes it may lead to tragedy if you are not careful. Do you have the wrong money? Then can WeChat or Alipay turn the wrong money back? Many people want to know the answer to this question.
The first thing most people think about is to ask for help from customer service, but what should you do when customer service always lets you 'negotiate with your friends to solve it'? Netizens lament that if you fail to make a mistake, you can only admit your misfortune?
Mr. Huang in Guangdong has been in such a bad mood recently. At present, the matter has made the latest progress. Wechat payment has guided users to the court to file a case, and will cooperate with law enforcement departments to assist in obtaining evidence.
No way to recover after wechat transfer error
Mr. Huang, who works in Zhongshan City, Guangdong Province, transferred money to his cousin named "boundless sky" via a bank card linked to wechat platform on May 2, Xinhua Daily Telegraph reported. He didn't carefully identify the wechat name after searching for it. Two accounts with the same wechat name but different avatars appeared in the wechat friends list. At that time, he was driving and transferred them to the stranger in a hurry.
According to Mr. Huang, I don't know each other, as if it was added by sweeping. In the afternoon of that day, Mr. Huang transferred 9 transactions from bank card to 82500 yuan in total through wechat, and also transferred 5000 yuan from wechat balance to 87500 yuan in total.
The next morning, Mr. Huang's cousin called to say that he didn't receive the money, and he found that the money was wrongly transferred. But wechat voice calls didn't answer, and it wasn't long before the other party blackmailed Mr. Huang.
When Mr. Huang saw the mobile phone number displayed on the wechat account of the other party, he sent a text message to the other party and the other party replied "you have the wrong person". Later, Mr. Huang called the other party many times, and the "boundless sky" refused to answer.
Mr. Huang also tried to ask Tencent customer service for help. However, after many times of communication, the reply is: the fund has successfully entered into the other party's change, and cannot be withdrawn after the fund is successfully paid, you can contact your friend to negotiate the return.
In desperation, Mr. Huang went to the local police station where he lived to report the case, but the police refused Mr. Huang on the grounds that they did not know the real name and account information of the other party and did not constitute the conditions for filing the case, and suggested that he find a court.
However, the court staff also said that they must know the real identity information of the other party before accepting the case. Mr. Huang ran into a wall everywhere. I don't know what to do next.
Wechat transfer only displays the last word of the other party's name
Is wechat transfer error prone?
Reporters of Beijing Youth Daily personally experienced the transfer function of wechat.
First of all, those who can transfer money must be their friends.
After entering the chat interface, click "+" in the lower right corner to click transfer, and then the head image and wechat nickname of the other party will appear, followed by the real name of the other party marked with brackets, but only the last word of the name will be displayed, and the front ones will be replaced with asterisks.
After entering the transfer amount, click transfer, further confirmation is required, and password or fingerprint must be entered.
After the wrong transfer of 80000 yuan, Mr. Huang was repeatedly asked by Blackie to negotiate for the other party's sentence "you find the wrong person". Therefore, when transferring money, Mr. Huang obviously didn't see that the other party's name is different from his cousin's, and he transferred nine times, but didn't find it. To be honest, it's too careless.
The reporter also experienced the transfer function of Alipay.
When transferring to Alipay account, the page prompts that the money will be transferred to the other account in real time, and no refund can be made.
After the reporter entered the account number, he found that the nickname of the other party was also marked with brackets.
Unlike WeChat, Alipay uses only asterisk to hide its surname, and its name is complete. It also provides the option of "click this authentication". After clicking, you need to enter the correct last name to transfer, which ensures that the wrong person will not be transferred. Of course, if the customer does not choose, they can also transfer money.
In contrast, Alipay gives WeChat a more recognised link than WeChat, which reduces the probability of turning the wrong person. Of course, if the client is impatient and careless, he just misplaced the Alipay account, and the name of the other person is similar to the correct person. But the odds should be small. After all, WeChat nicknames are easy to duplicate, but Alipay accounts are unique.
WeChat payment can be delayed but not withdrawn.
According to the central bank's requirements on preventing telecommunication fraud, banks can provide customers with three remittance methods: real-time remittance, ordinary remittance after 2 hours and remittance next day. For the latter two methods, many banks remind customers that they can apply for cancellation within a limited time. If wechat payment also has such delayed remittance, can Mr. Huang's wrong remittance be recovered in time?
The reporter found that when using wechat payment, there is no option for the time of receipt on the interface, and the system should be the default real-time receipt. However, in the payment management setting of wechat wallet, the reporter found that there is a transfer to account time option, which provides three options: real-time to account, 2-hour to account and 24-hour to account. The system defaults to real-time receipt.
However, there is a prompt on wechat payment: 'after friends confirm to receive money, the money will be deposited into the other party's change account at the following time. Withdrawal is not supported after transfer initiation. Please check the payee's information carefully before transfer. 'this means that delayed payment can't help customers like Mr. Huang recover funds.
After being wrongly transferred to 80 thousand, he was asked to reply by Tencent customer service. Alipay also had 2 hours' arrival and 24 hours later to arrive at two different remittances. But Alipay also prompts customers, and the funds will not be withdrawn after the transfer is initiated.
According to public reports, the experience of many netizens proves that even if the delayed transfer function is used, the wrong transfer cannot be withdrawn, and the final decision is to negotiate or apply for judicial intervention.
Alipay's stakeholders have said: 'the function of delay in arrival is that the user's money will not reach the other's account immediately. If the user needs to recover the fund because of being cheated, when contacting us, the user is also requested to contact the public security organ in time to report the case. If the public security organ contacts us in time to stop payment for the transaction, we will fully cooperate with the police. '
However, some insiders pointed out that if the transfer on the payment platform can be withdrawn, another kind of deception can not be ruled out: in case the consignee falsely claims that he has been cheated, the payment platform is required to cancel the transaction. If the platform cancels the transaction only based on one party's request, it is likely that the person who cancels the transaction 'gets the goods and takes back the money'.