According to Tencent's latest Q3 financial report, the combined monthly active accounts of wechat and wechat have exceeded 1.2 billion. Hundreds of millions of users use wechat payment every day for consumption. Wechat payment has become an indispensable part of our life. In addition to constantly enriching payment scenarios and improving transaction convenience, wechat payment team should also ensure the security of users' funds. There are many measures and services that are not easy to "see" at ordinary times.Today, wechat will give you a detailed introduction to the "million guarantee" service. Even if there is fund theft, you don't have to worry about it.
What is the coverage of million yuan protection?
Wechat payment account (bank card, change, change, money management) can be compensated for the capital loss caused by other people's embezzlement. In short, it can be divided into the following two situations:
1. Because wechat payment account was stolen by lawless elements, resulting in funds stolen;
2. Personal information such as ID card and bank card was stolen by criminals and bound to other wechat payment accounts, resulting in fund theft.
As long as it is within the scope of protection,Wechat promises to pay according to the amount of loss, and there is no limit to the number of times of compensation. The maximum amount of compensation per year can reach 1 million.
There are only three steps to claim:
The first step is to find the claim entrance (enter me - payment - Wallet - Security - million guarantee);
The second step is to submit the application materials (fill in the stolen funds truthfully. Please describe in detail as much as possible, otherwise it may affect the speed or result of your claim review.)
The third step is to wait for the result of the claim.
After submitting the compensation application, wechat payment will have a special staff for detailed review. If it is verified that the fund is stolen and additional information is not required, the compensation fund can be received within 3 working days.
It should be noted that the following situations are not within the scope of compensation:
-The user's own payment behavior;
-Loss of funds due to fraud;
-The loss of funds caused by the embezzlement of family members, friends and other non strangers;
-Financial loss caused by users' active disclosure or improper custody of personal information and terminal equipment.
Finally, wechat reminds us to take good care of personal sensitive information and never give ID card, bank card, SMS verification code to strangers. If you are unfortunately cheated and cause economic losses, please report to the police station as soon as possible. Wechat payment and relevant teams will cooperate with the judicial authorities to severely punish malicious gangs in accordance with the law, so as to recover and protect the rights and interests of users as much as possible.