加强免密支付安全管理

Core Viewpoint - The China Payment and Clearing Association has issued an initiative to enhance the security management of "no-password payment" services, addressing consumer concerns about the ease of activation versus the difficulty of deactivation [1][2]. Group 1: Security Management - Payment service providers are urged to strengthen the security management of no-password payment services, ensuring that user consent is genuine and informed [2]. - The initiative emphasizes the need for strict identity verification during the activation process and prohibits default activation of no-password payment features [2]. Group 2: Consumer Protection - The association highlights the importance of assessing the risk tolerance and capacity of elderly users, ensuring that core terms are clearly presented before activation [2]. - There is a call for improved monitoring of transaction processes to prevent financial losses, utilizing risk models and big data analysis to enhance risk control capabilities [3]. Group 3: Merchant Risk Management - Merchants are encouraged to implement risk management practices, including setting transaction limits based on their operational characteristics and risk profiles [3]. - The initiative suggests that merchants should avoid enabling no-password payment services for high-risk scenarios [3]. Group 4: User Experience and Accessibility - The association proposes that users should have easy access to deactivate no-password payment features, with a focus on providing clear information and one-click cancellation options [3]. - Recommendations include regular reviews of authorized services by consumers and prioritizing the activation of no-password features in trusted applications [4].