中国支付清算协会：充分保证用户开通“免密支付”业务的选择权和知情权

Core Viewpoint - The China Payment and Clearing Association has issued an initiative to enhance the security management of "no-password payment" services, emphasizing the need for payment service providers to strengthen security measures and ensure user consent [1] Group 1: User Consent and Identity Verification - Payment service providers are required to strictly verify user identity information during the activation process of "no-password payment" services [1] - Users must confirm their intention to activate the service and sign the "no-password payment" agreement through prominent page displays, eliminating default activation practices [1] - The initiative aims to ensure users' rights to choose and be informed about the activation of "no-password payment" services [1] Group 2: Risk Management for Vulnerable Groups - There is a call for a comprehensive assessment of elderly users' risk preferences and capacity to handle such services [1] - Key terms of the service must be prominently displayed to elderly users before activation [1] - The initiative advocates for cautious activation of "no-password payment" features for elderly individuals [1] Group 3: Transaction Monitoring and Risk Prevention - Enhanced monitoring of transaction activities is necessary to prevent potential financial losses [1] - The use of risk models and big data analytics is encouraged to improve risk management capabilities [1] - In cases where user transaction patterns deviate from normal consumption habits, timely interception or secondary verification is recommended to safeguard user funds [1]