我在哪些平台开通了"免密支付"？怎么关掉它？如何防范免密支付风险？ 此外，淘宝、京东、拼多多等购物平台以及各类视频、外卖、出行App中，也常有类似的授权服 务，建议定期进入"支付设置"中检查，及时查看"免密支付"授权。 对于我们普通人来讲，如何防范"免密支付"风险？要记住这三招，守好"钱袋子"：一是定期清理授 权，非必要不开通。养成定期检查"免密支付"和自动续费服务的习惯，对不常用、不信任的服务及时关 闭相关服务。如果不是高频使用场景，可以选择不开启"免密支付"，尤其是老年人、未成年人使用的账 户。 二是强化手机设备和账号安全防护。通过设置复杂密码并定期更换，开启双重验证等方式提高安全 防护水平。同时，要提高风险识别能力，警惕营销陷阱，避免在公共设备留存支付信息。 ——网友"薯条儿" 坐公交"嘀"一声购票、便利店随手一刷买单、视频会员自动续费不中断……你有没有发现，现在花 钱越来越"无感"了。随着移动支付的普及，"免密支付"因其高度便捷性，成为不少人的支付首选。 轻轻一点，无须输密码，交易瞬间完成，确实省时又省心，但方便的背后，也藏着不少"坑"。有网 友吐槽，家里老人误触开通"免密支付"，月底对账时才发现"悄 ...

作为"免密支付"业务的核心责任方，支付服务主体应积极响应倡议，落实安全管理要求，确保不得默认 开启、关闭必须便捷，以充分保障用户对"免密支付"的知情权和选择权。同时可通过风险模型搭建、大 数据分析等技术不断提升风险管控能力，特别是出现用户交易模式与日常消费习惯不符等异常情况时， 应及时进行拦截或要求二次验证，以防范用户资金损失风险。 监管部门则可在行业倡议基础上，强化常态性监管和专项整治，通过技术监测、投诉溯源、随机抽查等 方式，加大违法违规行为打击力度。 广大用户也需主动提升支付安全意识，对不熟悉的弹窗和协议等保持审慎，守护好自身财产安全。 文 | 翟天旸 张冉燃 近日，中国支付清算协会针对"免密支付"业务安全管理发布倡议，包括支付服务主体杜绝默认开通、提 供一键取消功能，以及用户增强安全防范意识等。这为平衡支付便利与资金安全提供了切实可行的行业 指引。 "免密支付"通过简化支付流程，缩短了用户的交易时间、提升了支付体验，也在一定程度上帮助商户提 高了结账效率和客流周转率。但部分支付服务主体在业务安全管理方面还存在提升空间，一些用户也还 存在安全意识薄弱的情况，由此引发的不知情扣费、退款困难等，逐渐成为困扰 ...

"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 ...

为进一步规范"免密支付"业务的开展，切实保护用户权益，促进行业健康发展，中国支付清算协会 近日向支付服务主体、广大用户发出了关于加强"免密支付"业务安全管理的倡议。 "免密支付"，即完成支付不需要密码，是部分支付平台或应用为提升支付便捷性而推出的一项功 能。用户开通该功能后，单笔交易金额在一定限额内可实现直接扣款，大幅缩短了交易时间，也在一定 程度上帮助商户提高了结账效率和客流周转率。不少网友感叹，现在花钱变得越来越"没感觉"了。 老年人也是倡议重点关注的人群。比如要求全面评估老年人的风险偏好和业务承受能力，以显著方 式展示业务核心条款，审慎为老年人开通这一功能。根据老年人的实际需求，实时或定期主动推送"免 密支付"交易相关信息，在显著位置提供相关信息一键查询功能，提供"免密支付"一键取消功能。这些 措施给老年人设置了一道安全屏障，相关部门不妨通过知识普及、案例宣传、技术培训等措施，不断增 强老年人对"免密支付"的了解，增强其安全意识。 此外，消费者应养成定期核对账单的好习惯，若发现账户存在异常交易，应立即关闭支付渠道，阻 止后续扣款。保留盗刷记录截图、交易时间等信息，向支付平台投诉。若损失金额较大，需及时向 ...

Regulatory Dynamics - The China Payment and Clearing Association has issued an initiative to strengthen the security management of "no-password payment" services, advocating for the prohibition of default activation and the provision of limit management features [2] - Following the implementation of the "Assisted Loan New Regulations," licensed consumer finance institutions are required to reduce the average comprehensive financing cost of newly issued loans to 20% or below starting from Q1 next year, which may pressure the consumer finance and assisted loan sectors [2] Industry Dynamics - The commercial auto insurance for new energy vehicles in China has surpassed 100 billion yuan for the first time, reaching 108.79 billion yuan, with a year-on-year growth of 36.6% [4] - The penetration rate of new energy vehicles reached 58% in September, with the commercial insurance coverage rate at 91% for the first nine months of the year, indicating a strong growth trajectory in this sector [4] Corporate Developments - Industrial Bank has established a financial asset investment company with a registered capital of 10 billion yuan, focusing on non-bank financial services [5] - Changshu Bank has appointed a new executive team, including a notably young president born in 1986, setting a record for the youngest president of a listed bank [5] - Ma Shang Consumer Finance plans to transfer over 1.8 billion yuan in personal non-performing loans, with an average overdue period exceeding 1800 days [6] - Xinyu Consumer Finance has released six batches of non-performing loan transfers totaling over 2.6 billion yuan, indicating a significant focus on asset disposal [6] - China Bank Consumer Finance has announced changes in its senior management, with new vice presidents expected to enhance business expansion and risk management [6] - Tencent's Q3 report shows a 10% year-on-year increase in revenue from its financial technology and enterprise services segment, driven by strong growth in commercial payment activities and consumer loan services [7][8]

Core Viewpoint - The rise of "no-password payment" has significantly enhanced convenience in mobile payments, but it also raises serious concerns regarding security risks, including unauthorized transactions and default activation traps, prompting regulatory scrutiny and consumer complaints [1][5][10]. Summary by Relevant Sections User Authorization - The China Payment and Clearing Association emphasizes the need for strict identity verification during user authorization to prevent default activation of "no-password payment" services. It calls for clear confirmation of user intent and agreement to the service terms, especially for vulnerable groups like the elderly [3][4]. Merchant Risk Management - The association advises payment service providers to assess merchant risk based on their business operations and to set transaction limits for "no-password payment" to mitigate risks associated with high-risk merchants [3]. Transaction Monitoring - Enhanced transaction monitoring through risk modeling and big data analysis is recommended to identify and intercept unusual transaction patterns, thereby protecting users from potential financial losses [3][4]. User Rights Protection - Payment service providers are urged to establish efficient complaint handling processes and to offer easy cancellation options for users wishing to discontinue "no-password payment." Additionally, proactive communication regarding transaction details is recommended, particularly for elderly users [4][6]. Consumer Complaints - As of November 13, the number of complaints related to "no-password payment" has reached 54,900, highlighting issues such as unauthorized activation and unexpected charges. Many users report being unaware of their enrollment in such services until they notice deductions from their accounts [5][6][10]. Vulnerable Groups - Children and the elderly are identified as particularly vulnerable to the pitfalls of "no-password payment," with reports of unauthorized transactions occurring without parental consent or due to accidental activations [7][8]. Regulatory Attention - The potential risks associated with "no-password payment" have drawn significant attention from regulatory bodies, leading to calls for improved consumer protection measures and heightened awareness of the risks involved [10][11]. Recommendations for Consumers - Consumers are advised to adopt a cautious approach by disabling "no-password payment" features unless absolutely necessary, regularly reviewing their payment authorizations, and enhancing their account security measures [11].

Core Points - The China Payment and Clearing Association has issued an initiative to enhance the security management of "no-password payment" services, responding to public concerns about user rights protection and industry health [2][3] - "No-password payment" allows users to complete transactions without entering a password, significantly reducing transaction time and improving merchant checkout efficiency [2] - The initiative emphasizes the importance of user consent, advocating for the elimination of default activation of "no-password payment" features to respect consumer rights [2] Group 1 - The initiative focuses on the need for payment service providers to clearly communicate terms and options regarding the activation and deactivation of "no-password payment" features [2] - It highlights the risks associated with "no-password payment," particularly for vulnerable groups such as children and the elderly, who may inadvertently incur charges [2][3] - The association encourages consumers to regularly check their transaction statements and report any unauthorized transactions promptly [3] Group 2 - The initiative calls for tailored communication strategies for the elderly, including regular updates on "no-password payment" transactions and easy access to cancellation options [3] - It suggests that relevant authorities should enhance awareness and understanding of "no-password payment" among older adults through education and training [3] - The overall message is that while "no-password payment" can facilitate economic growth, it must be managed properly to maximize its benefits [3]

Core Viewpoint - The China Payment and Clearing Association has emphasized the need for enhanced security management in "no-password payment" services, highlighting existing vulnerabilities in both service providers and user awareness [1][3]. Group 1: Security Management Recommendations - The association advocates for payment service providers to strengthen security management for "no-password payment" by eliminating default activation, offering limit management features, and prominently providing a one-click cancellation option [3][20]. - Users are encouraged to regularly check their agreements for no-password payment services [3]. Group 2: User Experience and Feedback - Users have reported difficulties in canceling no-password payment services, with an average of 5 to 6 page jumps required on various platforms to deactivate the service [4][6]. - Many users have expressed frustration on social media about unintentionally activating no-password payment due to misleading interfaces or accidental clicks [5][6]. Group 3: Payment Limits and Merchant Practices - Different merchants have varying single transaction limits for no-password payments, with platforms like Xiaohongshu allowing up to 1,000 yuan, while others like Xianyu only support transactions below 100 yuan [8][9]. - Some platforms impose daily limits on the number of no-password transactions, enhancing security through transaction restrictions [9]. Group 4: Safety Concerns and Comparisons - Concerns regarding the safety of no-password payments include risks associated with lost devices and erroneous transactions, similar to issues previously raised about traditional bank card no-password payments [11][12]. - The security of no-password payments is supported by multiple safeguards, including chip card technology, trusted merchant selection, transaction limits, intelligent risk control, and full compensation for verified losses [12][14]. Group 5: User Choice and Functionality - The functionality of no-password payments is deemed reasonable in high-frequency, low-value transaction scenarios, where entering a password can hinder user experience [16][20]. - The emphasis is placed on respecting user choice, with a call for platforms to avoid default selections that may lead to unintended activations [15][20].

Core Viewpoint - The China Payment and Clearing Association has issued an initiative to enhance the security management of "no-password payment" services, highlighting the need for improved safety measures and user awareness in this area [1][2]. Group 1: Security Management Recommendations - Payment service providers are encouraged to strengthen security management for "no-password payment" by eliminating default activation, providing limit management features, and prominently offering a one-click cancellation option [3]. - Users are advised to regularly check their agreements regarding "no-password payment" services [3]. Group 2: User Experience and Feedback - Users have expressed frustration on social media about unintentionally activating "no-password payment" due to misleading prompts or accidental clicks, and they often struggle to find ways to deactivate this service [4][5]. - Testing revealed that deactivating "no-password payment" on popular platforms requires multiple page navigations, averaging 5 to 6 clicks, which complicates the process for users [5][6]. Group 3: Payment Limits and Security Concerns - Different merchants have varying single transaction limits for "no-password payment," with some platforms allowing limits as high as 1,000 yuan, while others restrict transactions to under 100 yuan [7]. - Concerns regarding the security of "no-password payment" include risks associated with lost devices and erroneous transactions, which could lead to unauthorized deductions from accounts [8]. Group 4: Comparison with Traditional Payment Methods - Traditional bank cards with "no-password payment" features have established security measures, including chip technology, merchant vetting, transaction limits, intelligent risk control, and full compensation for losses due to fraud [9][10][11]. - The underlying security mechanisms of mobile wallets like Alipay and WeChat Pay differ from traditional bank cards, relying more on their own risk control systems rather than external card organization rules [12]. Group 5: User Choice and Functionality - Experts argue that "no-password payment" can be beneficial in high-frequency, low-value transaction scenarios, as it enhances user experience by reducing the need for repetitive password entry [12][13]. - The emphasis is placed on respecting user choice, with calls for payment platforms to avoid default selections and ensure clear communication regarding activation and deactivation of "no-password payment" features [16].

Core Viewpoint - The China Payment and Clearing Association has emphasized the need for enhanced security management of "no-password payment" services, highlighting existing gaps in both service providers' security measures and users' awareness of security risks [1][4]. Group 1: Security Management Recommendations - The association advocates for payment service providers to strengthen security management of "no-password payment" by eliminating default activation, providing limit management features, and prominently offering a one-click cancellation option [4][20]. - Users are encouraged to regularly check their agreements regarding no-password payment services [4]. Group 2: User Experience and Challenges - Users have reported difficulties in canceling no-password payment services, often requiring multiple page navigations within apps to do so, with an average of 5 to 6 page jumps noted across various platforms [5][6][7]. - Many users express frustration over inadvertently activating no-password payment features due to misleading interfaces or accidental clicks during transactions [5]. Group 3: Payment Security Concerns - The convenience of no-password payments is countered by potential security risks, such as unauthorized access if a mobile device is lost or incorrect charges due to scanning errors [9][10]. - Traditional bank cards also offer no-password payment options, which have been widely accepted, but concerns about security have been raised in the past [10][13]. Group 4: Safety Mechanisms - Bank card no-password payments are secured through multiple layers, including chip technology, merchant vetting, transaction limits, intelligent risk control, and full compensation for verified losses [11][12][13]. - In contrast, third-party payment platforms like Alipay and WeChat rely on their risk control systems, which assess factors such as device usage and transaction location to ensure security [13][14]. Group 5: User Choice and Functionality - The discussion around no-password payments emphasizes the importance of respecting user choice, with calls for clearer communication during activation and easier cancellation processes [20]. - Experts suggest that while no-password payments can enhance user experience in high-frequency, low-value transactions, the design should prioritize user consent and awareness [14][20].