人民日报：把免密支付的选择权还给用户

Core Viewpoint - The article emphasizes the need for improved management and regulation of "no-password payment" technology to enhance user experience while minimizing risks associated with its use [1][2] Group 1: User Experience and Challenges - Many consumers face difficulties with "no-password payment" features, particularly in terms of ease of activation and difficulty in deactivation [1] - The convenience of "no-password payment" can lead to unintended consequences, such as automatic activation during promotional activities and hidden deactivation options [1] - Users have reported issues such as unauthorized transactions due to the activation of "no-password payment" [1] Group 2: Regulatory and Industry Recommendations - The China Payment and Clearing Association has called for stronger security management of "no-password payment," advocating for clear user consent during activation and prohibiting default activation [2] - Recommendations include simplifying the deactivation process, setting transaction limits, and providing real-time alerts, particularly for vulnerable groups like the elderly [2] - The article stresses the importance of regulatory oversight to address issues like default activation and hidden terms, ensuring consumer rights are protected [2] Group 3: User Awareness and Actions - Users are encouraged to be cautious during payment processes, particularly regarding default options that may lead to unintended activation of "no-password payment" [2] - It is advised for users to regularly check their payment authorization lists and retain evidence in case of unauthorized charges [2] - The article calls for a collaborative effort among platforms and regulators to ensure that users retain control over their payment options [2]