“免密支付”莫跟消费者玩“捉迷藏”

Core Points - The China Payment and Clearing Association has issued an initiative to enhance the security management of "no-password payment" services, responding to public concerns about user rights protection and industry health [2][3] - "No-password payment" allows users to complete transactions without entering a password, significantly reducing transaction time and improving merchant checkout efficiency [2] - The initiative emphasizes the importance of user consent, advocating for the elimination of default activation of "no-password payment" features to respect consumer rights [2] Group 1 - The initiative focuses on the need for payment service providers to clearly communicate terms and options regarding the activation and deactivation of "no-password payment" features [2] - It highlights the risks associated with "no-password payment," particularly for vulnerable groups such as children and the elderly, who may inadvertently incur charges [2][3] - The association encourages consumers to regularly check their transaction statements and report any unauthorized transactions promptly [3] Group 2 - The initiative calls for tailored communication strategies for the elderly, including regular updates on "no-password payment" transactions and easy access to cancellation options [3] - It suggests that relevant authorities should enhance awareness and understanding of "no-password payment" among older adults through education and training [3] - The overall message is that while "no-password payment" can facilitate economic growth, it must be managed properly to maximize its benefits [3]