Core Viewpoint - The launch of the "deceased persons' bank account cross-bank inquiry" service in Liaoning Province aims to address the public's difficulties in inheriting assets by simplifying the process of locating deceased relatives' bank accounts, thereby enhancing financial service accessibility and efficiency [1][2]. Group 1: Service Implementation - The service is a collaboration between China UnionPay Liaoning Branch, China UnionPay Dalian Branch, and several commercial banks, focusing on alleviating the "difficult to check accounts" issue faced by the public [2]. - Currently, 9 pilot banks have opened 212 service points across all 14 prefecture-level cities and districts in Liaoning Province, ensuring comprehensive coverage and convenience for residents [2]. Group 2: Process Efficiency - The service utilizes the "Yunshangfu" app's "one-click card inquiry" feature, combining offline verification with online inquiry in a streamlined process [3]. - Applicants must register and log in to the app, locate a nearby pilot bank, and submit necessary identity information and documents for verification, after which they receive an authorization code to complete the inquiry [3]. Group 3: Information Security - The service prioritizes information security by providing only essential clues about the deceased's bank accounts, without disclosing sensitive details such as account numbers or balances [4]. - Future efforts will focus on optimizing service efficiency and expanding the service's reach, ensuring a secure and convenient financial service experience for the public [4].

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].