瞭望 | 系紧“免密支付”安全带

Core Viewpoint - The China Payment and Clearing Association has issued an initiative for the security management of "no-password payment" services, aiming to balance payment convenience with fund security [1][2] Group 1: Initiative and Recommendations - The initiative calls for payment service providers to avoid default activation of "no-password payment," provide a one-click cancellation feature, and enhance user awareness of security [1] - The initiative addresses weaknesses in the "no-password payment" process, marking an important step in strengthening payment security [1] Group 2: Responsibilities and Actions - Payment service providers are urged to respond actively to the initiative, ensuring that services are not defaulted on and that cancellation is convenient, thereby safeguarding user rights [1] - Providers should enhance risk management capabilities through technology, such as risk modeling and big data analysis, to detect and prevent unusual transaction patterns [1] Group 3: Regulatory and User Engagement - Regulatory bodies are encouraged to strengthen ongoing supervision and special rectification efforts, utilizing technical monitoring and random inspections to combat illegal activities [2] - Users are advised to improve their payment security awareness and remain cautious of unfamiliar pop-ups and agreements to protect their financial safety [2]