• First have to apply a new Alipay account, then in Alipay APP, switch to this new account as default.
• In 淘宝 → 我的淘宝 → 设置 → 支付设置 → 绑定的支付宝账号 → 更换支付宝绑定: it will link to this new Alipay account

If you current Wechat pay/wallet is verified with your relative's ID, you can change it to your own with below steps:

1. First need to disable Weixin Play Score: open wechat → me → Pay and service → wallet → Weixin Pay Score → Disable it.
2. Then try to change ID: me → pay and services → wallet → ID info → payment → id info → update ID info → Registering someone else's ID info and need to change to own:
   1. it will ask you how to handle the current balance in the wallet, select keep it to new wallet.
   2. Then create new wallet, link your own bank account, and update your ID or passport, which should match the bank account.