对行业来说，这一倡议可转化为共识与行动。简化关闭操作、设置交易限额与实时提醒、特别关注老年 人等群体的使用安全……相关平台将用户权益保护嵌入产品设计全流程，才能消除消费者的后顾之忧。 此外，监管也不能缺位，加大对默认开通、隐瞒条款等行为的查处力度，明确各方责任边界，让消费者 维权有门、追责有据。 刷购物APP时，手指误触支付按钮，订单便瞬间生成——这是开通免密支付后，笔者多次遭遇的尴尬。 更令人困扰的是，想要关闭该功能，却找不到明显标识，翻遍层层菜单才发现隐藏在角落的关闭入口。 这种"开通易、关闭难"体验并非个例，而是不少消费者使用免密支付时的共同痛点。 免密支付为移动支付带来便利，既能简化交易流程、提升用户体验，也能帮助商户提高运营效率。但便 利背后的风险同样不容忽视：有些平台将免密支付设置为默认选项，用户在领取优惠券、体验会员服务 时，稍不留意就会被动开通；有些平台将免密支付协议与自动续费相互绑定，用户在享受短期优惠后， 常因没有关闭而长期付费；有些平台关闭免密支付的入口隐藏较深，需经过多次页面跳转才能找到；甚 至还有用户因开通免密支付导致账户被盗刷。 如何进一步规范管理免密支付？需要多方协同发力，筑牢安 ...

对行业来说，这一倡议可转化为共识与行动。简化关闭操作、设置交易限额与实时提醒、特别关注老年 人等群体的使用安全……相关平台将用户权益保护嵌入产品设计全流程，才能消除消费者的后顾之忧。 此外，监管也不能缺位，加大对默认开通、隐瞒条款等行为的查处力度，明确各方责任边界，让消费者 维权有门、追责有据。 对用户来说，如何避免稍不留神就开通免密支付的情况？支付时可以慢一点，尤其警惕支付页面默认勾 选的选项；留意检查支付账户的授权清单，一旦遭遇误扣或盗刷，留存交易记录、页面截图等证据，及 时向平台或监管部门投诉维权，捍卫自身权益。 平台坚守底线、监管提供保障，让免密支付技术为生活添精彩，而非添烦恼 刷购物APP时，手指误触支付按钮，订单便瞬间生成——这是开通免密支付后，笔者多次遭遇的尴尬。 更令人困扰的是，想要关闭该功能，却找不到明显标识，翻遍层层菜单才发现隐藏在角落的关闭入口。 这种"开通易、关闭难"体验并非个例，而是不少消费者使用免密支付时的共同痛点。 免密支付为移动支付带来便利，既能简化交易流程、提升用户体验，也能帮助商户提高运营效率。但便 利背后的风险同样不容忽视：有些平台将免密支付设置为默认选项，用户在领取优惠 ...

"免密支付功能开通时容易，想要关闭却找不到入口。"针对这类消费者时常面临的问题，近期，中 国支付清算协会发布"加强'免密支付'业务安全管理的倡议"，要求支付服务主体杜绝默认开通、增设便 捷关闭通道。 免密支付不需要输入支付密码即可快速支付。随着移动支付技术的快速发展和广泛应用，免密支付 业务通过简化支付流程，大幅缩短了交易时间，提升了用户的支付体验，也在一定程度上帮助商户提高 了结账效率和客流周转率。但在提高便捷性的同时，部分支付服务主体在业务安全管理方面还存在提升 空间。不少消费者反映，免密支付在开通时经常能"一键开启"，但想要关闭却难以找到入口。尤其对老 年人来说，一旦误操作开启该功能，后期管理起来更为困难。 （责任编辑：关婧） 为此，中国支付清算协会在倡议中提出，支付服务主体应进一步加强免密支付业务安全管理。规范 授权管理，确保用户真实意愿。在用户开通环节，严格审核用户身份信息，通过显著页面完成用户开通 意愿确认以及免密支付协议签订，杜绝默认开通行为，充分保证用户开通免密支付业务的选择权和知情 权。针对老年人，中国支付清算协会在倡议中强调，应全面评估老年人的风险偏好和业务承受能力，以 显著方式展示业务核 ...

Core Viewpoint - The rapid development and widespread application of mobile payment technology have led to the rise of "no-password payment" services, which simplify payment processes and enhance user experience. However, there are concerns regarding security management among payment service providers and users' awareness of security risks [2][3]. Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen security management for "no-password payment" services by ensuring proper authorization management and confirming users' true intentions during the activation process [2]. - It is essential to enhance merchant risk management by setting reasonable limits on "no-password payment" services based on the merchant's business conditions and risk information [3]. - Continuous monitoring of transaction processes is necessary to prevent financial loss risks, utilizing risk models and big data analysis to identify and verify unusual transaction patterns [3]. Group 2: User Awareness and Protection - Users are encouraged to enhance their security awareness by implementing measures such as enabling two-factor authentication and regularly changing passwords [6]. - Users should improve their risk identification capabilities, remain vigilant against marketing traps, and avoid storing payment information on public devices [6]. - Regular checks on "no-password payment" agreements and prompt actions to freeze or close accounts upon detecting anomalies are recommended [6].

Core Viewpoint - The rapid development and widespread application of mobile payment technology have led to the rise of "no-password payment" services, which simplify payment processes and enhance user experience. However, there are concerns regarding security management and user awareness in this area [1][2]. Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen the security management of "no-password payment" services by ensuring proper authorization management and confirming user intent during the activation process [1]. - It is essential to conduct thorough identity verification and avoid default activation of "no-password payment" services, ensuring users' rights to choose and be informed [1]. - Providers should assess the risk preferences and capabilities of elderly users and clearly present core terms of the service [1]. Group 2: Merchant and Transaction Management - Payment service providers must enhance merchant risk management by setting appropriate limits on "no-password payment" transactions based on merchant characteristics and risk information [2]. - Monitoring transaction activities is crucial to prevent financial losses, utilizing risk models and big data analysis to identify and address unusual transaction patterns [2]. Group 3: User Rights and Awareness - Payment service providers should implement efficient complaint handling processes to protect user rights and offer easy cancellation options for users who no longer wish to use "no-password payment" [2]. - Users are encouraged to enhance their security awareness by employing measures such as two-factor authentication and regularly changing passwords [4]. - Users should regularly check their "no-password payment" agreements and remain vigilant for any unusual transactions, taking immediate action if necessary [4].

Core Viewpoint - The rapid development and widespread application of mobile payment technology have led to the rise of "no-password payment" services, which simplify payment processes and enhance user experience, but also highlight the need for improved security management by payment service providers and increased user awareness of security risks [1][2]. Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen security management for "no-password payment" services by ensuring user consent and identity verification during the activation process, avoiding default activation, and safeguarding user rights [1]. - There should be enhanced risk management for merchants, including setting reasonable limits for "no-password payment" services based on merchant risk profiles and business characteristics [2]. - Continuous monitoring of transaction activities is essential to prevent financial losses, utilizing risk models and big data analysis to identify and address unusual transaction patterns [2]. Group 2: User Awareness and Protection - Users are encouraged to enhance their security awareness by implementing measures such as enabling two-factor authentication and regularly changing passwords [4]. - Users should be vigilant against marketing traps and avoid saving payment information on public devices, as well as regularly checking their "no-password payment" agreements and transaction alerts [4]. - Payment service providers should offer efficient complaint handling processes and easy options for users to deactivate "no-password payment" features if they choose to discontinue use [2].

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 for improved safety measures and user awareness in the rapidly evolving mobile payment landscape [1][2]. Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen the security management of "no-password payment" services by ensuring proper authorization management and confirming user intent during the activation process [1][2]. - Merchants should implement risk management practices, including setting transaction limits based on their operational characteristics and risk profiles to avoid enabling high-risk merchants [2]. - Continuous monitoring of transaction activities is essential to prevent financial losses, utilizing risk models and big data analysis to identify and address unusual transaction patterns [2]. - User rights protection must be prioritized, with efficient complaint handling processes and easy options for users to deactivate "no-password payment" services if desired [2]. - Ongoing tracking and regulation of "no-password payment" services should be conducted, focusing on public sentiment and addressing issues related to financial losses and service disputes [2]. Group 2: User Awareness and Safety Measures - Users are encouraged to enhance their security awareness by implementing protective measures for their mobile devices and accounts, such as enabling two-factor authentication and regularly changing passwords [3]. - Users should improve their risk identification capabilities, remain vigilant against marketing traps, and avoid storing payment information on public devices [4]. - Regular checks on "no-password payment" agreements and monitoring transaction alerts are advised, allowing users to freeze or deactivate accounts upon detecting any anomalies [5].

Core Viewpoint - The rapid development and widespread application of mobile payment technology have led to the rise of "no-password payment" services, which simplify payment processes and enhance user experience, but there are concerns regarding security management and user awareness [1][2][3] Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen security management for "no-password payment" services by ensuring proper authorization management and confirming user intent during the activation process [1] - It is essential to enhance merchant risk management by setting appropriate limits for "no-password payment" transactions based on merchant characteristics and risk information [2] - Monitoring transaction processes is crucial to prevent financial loss risks, utilizing risk models and big data analysis to identify and address unusual transaction patterns [2] Group 2: User Protection and Awareness - Payment service providers must establish efficient complaint handling processes to protect user rights and offer easy cancellation options for users who no longer wish to use "no-password payment" [2][3] - Users are encouraged to enhance their security awareness by implementing device and account protection measures, such as enabling two-factor authentication and regularly changing passwords [3] - Users should regularly check their "no-password payment" agreements and remain vigilant for any unusual transactions, taking immediate action to freeze or close accounts if necessary [3]

Core Viewpoint - The rapid development and widespread application of mobile payment technology, particularly "no-password payment," have significantly improved transaction efficiency and user experience, while also highlighting the need for enhanced security measures within the industry [1] Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen security management for "no-password payment" by ensuring user consent and identity verification during the activation process [2] - It is essential to enhance merchant risk management by setting appropriate transaction limits based on the merchant's business characteristics and risk profile [2] - Continuous monitoring of transaction activities is necessary to prevent financial losses, utilizing risk models and big data analysis to identify and address anomalies in user behavior [2] Group 2: User Awareness and Protection - Users are encouraged to enhance their security awareness by implementing measures such as enabling two-factor authentication and regularly changing passwords [5] - Users should improve their risk identification skills, remain vigilant against marketing traps, and avoid storing payment information on public devices [6] - Regular checks on "no-password payment" agreements and prompt action on any unusual transactions are recommended to safeguard user accounts [7] Group 3: Ongoing Monitoring and Support - Payment service providers should establish efficient complaint handling processes to protect user rights and provide easy cancellation options for "no-password payment" services [3] - Continuous monitoring of public sentiment regarding "no-password payment" is crucial, focusing on issues like financial losses and service disputes [3]

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 for payment service providers to strengthen security measures and ensure user consent [1] Group 1: User Consent and Identity Verification - Payment service providers are required to strictly verify user identity information during the activation process of "no-password payment" services [1] - Users must confirm their intention to activate the service and sign the "no-password payment" agreement through prominent page displays, eliminating default activation practices [1] - The initiative aims to ensure users' rights to choose and be informed about the activation of "no-password payment" services [1] Group 2: Risk Management for Vulnerable Groups - There is a call for a comprehensive assessment of elderly users' risk preferences and capacity to handle such services [1] - Key terms of the service must be prominently displayed to elderly users before activation [1] - The initiative advocates for cautious activation of "no-password payment" features for elderly individuals [1] Group 3: Transaction Monitoring and Risk Prevention - Enhanced monitoring of transaction activities is necessary to prevent potential financial losses [1] - The use of risk models and big data analytics is encouraged to improve risk management capabilities [1] - In cases where user transaction patterns deviate from normal consumption habits, timely interception or secondary verification is recommended to safeguard user funds [1]