中国支付清算协会倡议：“免密支付”不得默认开通

Core Viewpoint - The rapid development and widespread application of mobile payment technology have led to the rise of "no-password payment" services, which simplify payment processes and enhance user experience, but there are concerns regarding security management and user awareness [1][2][3] Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen security management for "no-password payment" services by ensuring proper authorization management and confirming user intent during the activation process [1] - It is essential to enhance merchant risk management by setting appropriate limits for "no-password payment" transactions based on merchant characteristics and risk information [2] - Monitoring transaction processes is crucial to prevent financial loss risks, utilizing risk models and big data analysis to identify and address unusual transaction patterns [2] Group 2: User Protection and Awareness - Payment service providers must establish efficient complaint handling processes to protect user rights and offer easy cancellation options for users who no longer wish to use "no-password payment" [2][3] - Users are encouraged to enhance their security awareness by implementing device and account protection measures, such as enabling two-factor authentication and regularly changing passwords [3] - Users should regularly check their "no-password payment" agreements and remain vigilant for any unusual transactions, taking immediate action to freeze or close accounts if necessary [3]