Why did Alipay JD.COM respond to compensate users for their losses?

Recently, a post titled "This is nothing" was posted on Douban, in which a netizen described his "nothing" experience.

The netizen said that when he got up in the middle of the night on July 30th, he found that his mobile phone had received more than 100 SMS verification codes from Alipay, JD.COM and Bank, and then he found that the money from Alipay, Yu 'ebao and related bank cards had been transferred. Moreover, its JD.COM account has been opened with gold bars, white bars and other functions, and it has borrowed more than RMB 1 10,000.

In this regard, Alipay and JD.COM both responded. Alipay said that it would first compensate users for the lost funds. JD.COM said that the loan of 1 1, 000 yuan can be exempted.

The netizen said in the post that after the incident, he found Alipay and JD.COM customer service to settle claims. "Alipay refused to pay compensation, and JD.COM simply ignored it."

From the screenshot of the conversation between the netizen and JD.COM customer service, it can be known that the application for JD.COM gold bars needs to provide photo materials with hand-held ID cards to pass the system audit. However, the netizen said that he had never provided "taking photos with his ID card" and was only given a loan.

On August 3, Alipay official responded in Weibo: "Regarding the experience of" nothing "of users who everyone cares about, Alipay will first compensate users for their lost funds."

Alipay said that the reason why it was judged that the insurance could not be settled was because the system thought that the case was very similar to my own operation when it was first judged, because nearly 90% of the funds were transferred to the user's bank card through Alipay after successfully passing a number of security checks such as SMS verification code at one time.

At present, Alipay will start subrogation, first fully compensate users for their losses on Alipay, and then cooperate with the police to investigate the facts.

Subrogation compensation means that after the user obtains compensation from Alipay, the infringing debt between the user and the embezzler is transferred to Alipay, and Alipay directly claims rights from the embezzler, and the user no longer claims any rights to the above money.

The netizen said in Weibo that on August 3rd, "Alipay called twice, and the first time it said that it could be compensated by subrogation, in which the amount of Q-coin recharge order paid through Alipay was 932.438+0 yuan. The second time means that the claim will be re-evaluated. I need to provide relevant information in the email. "

In addition, the netizen also mentioned a very mysterious "Alipay Insurance" situation in the post on the 2nd.

It would be great if it could be compensated.