已故亲属银行账户线索可跨行查询！具体怎么操作？哪些地区已上线？

Core Viewpoint - The introduction of the "deceased person's bank account clue cross-bank inquiry" service simplifies the process for families to locate accounts held by deceased relatives, significantly reducing the bureaucratic burden involved in account verification [1][3][8]. Group 1: Service Overview - The service allows families to obtain clues about deceased relatives' bank accounts through the Cloud Flash Payment APP, streamlining the inquiry process [1][4]. - Launched under the guidance of the People's Bank of China, the service is currently operational in 18 provinces and cities across China, involving hundreds of national and regional banks [1][8]. - The service aims to prevent accounts from remaining dormant, which can hinder asset inheritance and lead to potential financial losses [3]. Group 2: Application Process - Families need to prepare identification documents, proof of relationship, and the deceased's death certificate to apply at designated bank branches [3][4]. - After submitting the required documents, applicants receive a unique authorization code, which they can use to access the inquiry service via the Cloud Flash Payment APP [4][6]. - The APP generates a report within 24 hours, detailing the banks where the deceased held accounts, while ensuring that sensitive information like account numbers and balances is not disclosed [6]. Group 3: Expansion and Accessibility - The service is an extension of the existing "one-click card inquiry" feature, which allows users to check their own bank accounts [8][9]. - The "one-click card inquiry" service has expanded significantly since its pilot in December 2021, now covering 505 banks and generating over 23 million reports [9]. - The service aims to enhance convenience for families, allowing them to handle financial matters with less physical effort [8]. Group 4: Policy Support - The facilitation of deceased account inquiries is supported by ongoing policy initiatives aimed at reducing the burden on families during the inheritance process [11][12]. - Policies introduced since 2019 have simplified the requirements for querying and withdrawing funds from deceased individuals' accounts, enhancing the overall efficiency of the process [11][12]. - Recent policy updates have increased the withdrawal limit for small deposits and included additional financial products in the simplified withdrawal process [12].