Core Viewpoint - The China Payment and Clearing Association has initiated a call to enhance the security management of "no-password payment" services to protect user rights and promote healthy industry development [1][2]. Group 1: Security Management Recommendations - Payment service providers should strengthen security management for "no-password payment" by ensuring user consent through strict identity verification and clear agreement processes [2]. - Merchant risk management should be reinforced by setting reasonable limits on "no-password payment" services based on merchant characteristics and risk information [2]. - Transaction monitoring should be enhanced to prevent financial loss risks, utilizing risk models and big data analysis to identify and address anomalies in user transaction patterns [2]. Group 2: User Rights Protection - Efficient complaint handling processes should be established to safeguard user rights, including easy cancellation options for users who no longer wish to use "no-password payment" [2]. - Regular updates and information regarding "no-password payment" transactions should be provided to users, especially targeting the elderly demographic [2]. Group 3: User Awareness and Safety - Users are encouraged to enhance their device and account security through measures such as enabling two-factor authentication and regularly changing passwords [3]. - Users should improve their risk recognition capabilities to avoid marketing traps and refrain from saving payment information on public devices [3]. - Regular checks on "no-password payment" agreements and prompt actions on abnormal transactions are advised to ensure account security [3].