免密支付需平衡好便利与安全

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 to eliminate default activation practices and provide a one-click cancellation feature for users [1][2]. Group 1: Consumer Concerns - Consumers express a strong desire for more choice regarding "no-password payment," advocating against misleading practices such as default selections and one-click activations [2][3]. - There is a significant concern regarding the security of "no-password payment," with calls for payment service providers to balance convenience with safety [2][3]. Group 2: Industry Response - The China Consumer Association previously issued a reminder for consumers to be cautious when using "no-password payment" to prevent potential financial losses due to excessive account permissions [2]. - The recent initiative from the Payment and Clearing Association aims to ensure that user consent is clearly obtained and that the activation of "no-password payment" is not done by default [2][3]. Group 3: Recommendations for Payment Service Providers - Payment service providers are encouraged to optimize their processes to ensure clear consumer consent for "no-password payment" and to provide easy access to cancellation options [3]. - There is a recommendation to enhance monitoring of transactions and improve risk management capabilities to protect consumers from financial losses [3]. Group 4: Consumer Best Practices - Consumers are advised to remain vigilant during online payments, enhancing their device and account security through measures such as two-factor authentication and regular password changes [3]. - It is suggested that consumers regularly check their "no-password payment" agreements and monitor transaction alerts to quickly address any anomalies [3].