中国支付清算协会发声！进一步加强“免密支付”安全管理

Core Viewpoint - The rapid development and widespread application of mobile payment technology, particularly "no-password payment," have significantly improved transaction efficiency and user experience, while also highlighting the need for enhanced security measures within the industry [1] Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen security management for "no-password payment" by ensuring user consent and identity verification during the activation process [2] - It is essential to enhance merchant risk management by setting appropriate transaction limits based on the merchant's business characteristics and risk profile [2] - Continuous monitoring of transaction activities is necessary to prevent financial losses, utilizing risk models and big data analysis to identify and address anomalies in user behavior [2] Group 2: User Awareness and Protection - Users are encouraged to enhance their security awareness by implementing measures such as enabling two-factor authentication and regularly changing passwords [5] - Users should improve their risk identification skills, remain vigilant against marketing traps, and avoid storing payment information on public devices [6] - Regular checks on "no-password payment" agreements and prompt action on any unusual transactions are recommended to safeguard user accounts [7] Group 3: Ongoing Monitoring and Support - Payment service providers should establish efficient complaint handling processes to protect user rights and provide easy cancellation options for "no-password payment" services [3] - Continuous monitoring of public sentiment regarding "no-password payment" is crucial, focusing on issues like financial losses and service disputes [3]