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The Alipay account was stolen and the security insurance claim was rejected.
Nowadays, with the prevalence of various electronic payment methods, the security of payment software itself has increasingly become the focus of attention. Master Luo, who lives in Fancheng, Xiangyang, found a girl and said that her Alipay account was stolen, which was very annoying.

Master Luo, the helper: "I received a notice from Alipay at nine o'clock, and my account was logged in on another device. After discovering this problem, I immediately changed the payment password and login password, and then at 11: 30, 200 yuan was taken away. "

In desperation, Master Luo immediately frozen his Alipay account. He also inquired about his Alipay transaction records, which surprised him.

Master Luo: "The first time I sent a red envelope of 202 points, the payee was Wu, from Quanzhou, Fujian. Do you know this Wu? I don't know. I didn't operate it myself. The latter thing happened four times, totaling nearly 1 0,000. "

Master Luo said that the money was spent from his account by the person who stole the money through Alipay reserve fund and borrowing money. What the hell is going on? Helped the girl consult Alipay customer service. The customer service said that Master Luo's Alipay did have a record of changing the password, but it did not rule out that the password was leaked again.

Alipay customer service: "I checked it for you. I was logged in with another mobile phone. At that time, I checked the identity information of your account holder and the new payment password of your account, so I don't rule out that your password was leaked again, and they were all operated on the same device. "

Through Alipay customer service, the girl also found that these abnormal transactions were all carried out in Xiangyang, and the equipment port of the transaction was also found. Alipay customer service: "The device that helped you verify the abnormal transaction at that time was an OPPO mobile phone. Your child's name was found on this mobile phone. I suggest you confirm it with your son."

Master Luo said that his son is over 30 years old, and the incident of stealing brushes is by no means his son's doing. For security reasons, he had handled Alipay account security insurance before. So, can he get compensation?

Alipay Ant Insurance Customer Service: "Your loss is not within the scope of insurance claims, and it is impossible to handle claims for you. One scope of account security insurance is the financial loss caused by the misappropriation of Alipay account, Yu 'ebao and Huayuan, so we have helped you appeal again. Do you think it's okay? "

During the appeal, Master Luo's stolen Alipay reserve fund has reached the repayment period. Should he return it? I consulted a lawyer for this girl.

Lawyer Zhu Lin said, "First of all, Article 7 of this insurance clause has corresponding provisions. If the property loss is caused by family members or close relatives, then this insurance will not pay for it. Therefore, if it can be determined that it is the son of the helper, then the property loss caused by the theft of the helper's Alipay account does not meet the insurance company's claim scope. The purpose and starting point are mainly to prevent moral hazard, that is, the insured or the insured colludes with family members or close relatives to deliberately defraud insurance money. "

At present, Master Luo has reported the case, hoping to find out the thief as soon as possible and then talk about the next compensation.