OpenAI推出ChatGPT Wallet 美国Pro订阅用户可让智能体代为付款
OpenAI 11月13日推出ChatGPT Wallet，让智能体可以在不接触用户真实卡号的情况下代为付款，并且每笔购买都要求一次安全核验。OpenAI称，这是首个具备这一设计的钱包产品，用户原有银行卡的积分奖励和符合条件的争议保障继续保留。
ChatGPT Wallet由OpenAI与 American Express、Mastercard 和 Visa 合作推出，首先通过dots向美国的ChatGPT Pro订阅用户开放。OpenAI表示，每周有12亿人使用ChatGPT，其中许多人用它研究产品、比较选项和决定购买。
使用方式上，用户只需添加一次银行卡，之后每次购买前查看商品、总金额和所选卡片，再通过 Face ID 或指纹扫描等安全核验批准。每次批准都会生成一条清晰记录，写明用户授权智能体完成的购买。
批准之后，支付网络会提供一个支付令牌，包含替代真实卡号的号码、安全码和有效期，款项从用户所选卡片扣除，商家和智能体都接触不到真实卡号。OpenAI表示，用户与商家直接交易，商家保留客户关系以及定价、履约、退货和客服的控制权，银行和支付网络负责评估交易。
OpenAI同时发布了 Commerce Partner Playbook 商家指南，帮助企业支持使用智能体的顾客，包括认领并更新商家信息、上传最新价格与库存的产品数据、确保智能体能访问网站，以及与支付和风险服务商合作减少误拒。公司列出的欺诈预防合作伙伴包括 Forter、Riskified、Sardine 和 Signifyd，支付服务商包括 Adyen、Checkout.com 和 Stripe。
在开放范围上，ChatGPT Wallet自11月13日起在dots中逐步推出，首批面向年满18岁、持有符合条件的美国发行卡片的美国Pro订阅用户。OpenAI表示，未来用户有望通过设定消费限额、购买类别或时间段等明确参数，把购买全权委托给智能体，并以生物识别核验和授权记录作为保障。
OpenAI Launches ChatGPT Wallet, Letting Agents Pay for Purchases for U.S. Pro Subscribers
OpenAI introduced ChatGPT Wallet on November 13, a wallet that lets agents pay without access to users' actual card details and that requires a security check for every purchase, while preserving existing card rewards and protections for eligible disputes. OpenAI described it as the first wallet with that design.
ChatGPT Wallet was built in partnership with American Express, Mastercard and Visa, and will initially be available through dots for ChatGPT Pro subscribers in the United States. OpenAI said 1.2 billion people use ChatGPT each week, and many of them use it to research products, compare options and decide what to buy.
To use the wallet, users add a card once, then approve each purchase without re-entering payment details. Before each purchase, the user reviews the items, the total and the selected card, then approves it with a security check such as Face ID or a fingerprint scan. Each approval creates a clear record of the purchase the user authorized the agent to make.
After approval, the payment network provides a payment token, a substitute for the user's actual card details with a card number, security code and expiration date. The payment is charged to the selected card without ChatGPT Wallet sharing the actual card details with the business or the agent. Users transact directly with businesses, which keep their customer relationships and control over pricing, fulfillment, returns and customer service, while banks and networks evaluate transactions.
Alongside the wallet, OpenAI published a Commerce Partner Playbook with tools and guidance to help businesses support customers using agents, covering claiming a business listing, uploading a product feed with current pricing and availability, ensuring agent access to websites, and working with payment and risk providers to reduce unnecessary declines. Fraud prevention partners named by OpenAI include Forter, Riskified, Sardine and Signifyd, and payment service providers include Adyen, Checkout.com and Stripe.
ChatGPT Wallet began rolling out in dots on November 13, initially for Pro subscribers aged 18 and older in the United States with eligible U.S.-issued cards. OpenAI said that over time it expects users to be able to delegate purchases entirely to their agent by setting parameters such as spending limits, purchase categories or time periods, with biometric checks and clear records of authorization.
来源：OpenAI
发布：GSM·美国（发布链接）
图片来源：图：一名男子手持智能手机，背景为 ChatGPT 字样。作者：Jernej Furman，CC BY 2.0，维基共享资源。 / Photo: A man holding a smartphone in front of a ChatGPT sign. Credit: Jernej Furman, CC BY 2.0, via Wikimedia Commons.
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