事关“免密支付”，中国支付清算协会发声

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 improved safety measures and user awareness in the rapidly evolving mobile payment landscape [1][2]. Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen the security management of "no-password payment" services by ensuring proper authorization management and confirming user intent during the activation process [1][2]. - Merchants should implement risk management practices, including setting transaction limits based on their operational characteristics and risk profiles to avoid enabling high-risk merchants [2]. - Continuous monitoring of transaction activities is essential to prevent financial losses, utilizing risk models and big data analysis to identify and address unusual transaction patterns [2]. - User rights protection must be prioritized, with efficient complaint handling processes and easy options for users to deactivate "no-password payment" services if desired [2]. - Ongoing tracking and regulation of "no-password payment" services should be conducted, focusing on public sentiment and addressing issues related to financial losses and service disputes [2]. Group 2: User Awareness and Safety Measures - Users are encouraged to enhance their security awareness by implementing protective measures for their mobile devices and accounts, such as enabling two-factor authentication and regularly changing passwords [3]. - Users should improve their risk identification capabilities, remain vigilant against marketing traps, and avoid storing payment information on public devices [4]. - Regular checks on "no-password payment" agreements and monitoring transaction alerts are advised, allowing users to freeze or deactivate accounts upon detecting any anomalies [5].