I deleted the bank card transfer information of my mobile phone. Can I get it back at the bank?

First of all, it is clear what is a transaction record, which is the bookkeeping trace left by accounting changes when financial business occurs. The most common is the personal details of our bank, which is often called bank running water, which is all the accounting details of this account in your name. The description of its transaction purpose is called abstract, which mainly includes four traditional settlement summaries: cash deposit, cash withdrawal, transfer deposit and transfer withdrawal. There is also a summary of POS consumption and online consumption paid by XX, as well as many detailed consumption summaries such as agency payment, collection, withholding, purchase of wealth management, purchase of gold, and interest payment. When recording this information, the bank will record and store all transactions except cash deposit and withdrawal and interest payment, that is, the counterparty's account number and account name. For example, the counterparty's bank account is a unit. Individuals and others will record it. If it is consumption, it is generally a transitional account or a temporary settlement account opened by the payment company in the bank, which will be recorded in the banking system for easy access at any time. However, due to the complexity of recording information, when providing such information to customers, banks often choose several important information of customers, such as bank information and transaction time (which can be recorded after two seconds). However, the public security, procuratorial, court and other relevant departments did not include it.

Looking back at WeChat, WeChat Transfer is a financial management tool provided by WeChat. Wechat itself is a social tool, and its financial channel is mainly Shenzhen Tenpay Technology, which is the payment interface of Tencent. The funds in WeChat are stored in WeChat wallet, and there are many WeChat users, so it is inevitable that customers will settle accounts with each other. This function includes transfer, red envelope, payment, collection and so on. According to the regulations, these transactions are also recorded. Many people think that the transfer or red envelope transaction on the screen of chatting with your opponent is the transfer record of WeChat. Actually, it is not. This chat record is a visual transaction screen. From the use point of view, it should be an interface design that feels better for the user's operating experience and can be deleted. Many people think that deleting this chat record is equivalent to deleting the transaction record, which is completely wrong, because the transaction record of WeChat is not stored locally on your mobile phone. Like the bank, it exists on the platform server of Tenpay, and can also be queried at any time on the mobile phone. You should check the transaction records in WeChat's "Me", "Wallet", "Three Points in the Upper Right Corner" and "Payment Management". This transaction record is a complete transaction record, not a chat record, and cannot be deleted. Please click to view the details. Therefore, deleting chat messages cannot destroy transaction records, which is also not allowed by any financial institution.

Then back to the bank, macroscopically, the bank, WeChat Tenpay, Alibaba and even Jingdong Finance are all independent financial institutions, providing effective financial services to customers and recording them truthfully. This is the money transferred from the bank to WeChat. The bank only records that one export was transferred to WeChat, and other subsequent events were not tracked by the bank because the funds left the bank, so the bank was responsible for transferring the funds to WeChat Tenpay (that is, many media reported that what card is in hand, if the card has money, it will lose money. In fact, you should at least tell the customer from which channel the money flows out of the bank. In the current payment industry, as long as the instructions are true, banks can't intercept the suspension of transfer. Many information instructions are just mobile phone verification codes, which are simple and risky. ), the follow-up information is recorded by WeChat Tenpay. As a commercial organization, banks are expected to query and retrieve information from other financial institutions, and cannot continue to track the follow-up of funds. They can only query and understand through the service channels of WeChat Tenpay. Only one bank has the right to retrieve information, and that is the People's Bank of China. However, other institutions can inquire about the transaction records of WeChat and Alipay, such as public security, auditing, courts, customs, taxation and discipline inspection. Now, the Public Security Law can directly check the balance of Alipay, WeChat and other accounts under your name through the People's Bank of China. If you violate the law or are sued, you can directly freeze or deduct assets without using complicated procedures to pay the company, but directly operate online in the office building.