中国支付清算协会：杜绝默认开通“免密支付” 提供一键取消功能

Core Insights - 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 [1][2] - However, there are concerns regarding the security management of these services, prompting the China Payment and Clearing Association to issue recommendations for both payment service providers and users [1][2] Group 1: Recommendations for Payment Service Providers - Strengthen authorization management to ensure users' genuine intentions, including strict identity verification and clear confirmation of the user's willingness to activate "no-password payment" services [1] - Enhance merchant risk management by setting reasonable limits on "no-password payment" services based on merchant operations and risk profiles [2] - Improve transaction monitoring to prevent financial losses by utilizing risk models and big data analysis to identify and address unusual transaction patterns [2] Group 2: User Awareness and Protection - Users are encouraged to enhance their security awareness by implementing measures such as dual verification and regular password changes [3] - Users should improve their risk identification capabilities and be cautious of marketing traps, avoiding the storage of payment information on public devices [3] - Regular checks on "no-password payment" agreements and prompt action on any anomalies are advised to safeguard user accounts [3]