New Delhi . Amidst the rapid changes taking place in the world of Artificial Intelligence, OpenAI has taken a new initiative in the field of Digital Payments. The company has launched ChatGPT Wallet, with the help of which AI agents will now be able to make payments for online purchases on behalf of the user. The most important thing about this system is that during payment, the AI agent will not need to see the actual details of the user's debit or credit card. However, for security reasons, user approval has been made mandatory before every transaction.
This new wallet has been designed in such a way that the role of AI agents in the shopping process can be more useful than ever before. Users will be able to take the help of AI agents in selecting the goods of their choice and in other shopping related processes. After this the transaction process will be completed through the wallet at the time of payment. At present the company has planned to start this facility on a limited scale.
OpenAI developed the ChatGPT Wallet in partnership with major payment networks such as American Express, MasterCard and Visa. Initially this facility will be available in America. For this, the age of the user should be at least 18 years. In the initial phase, only eligible ChatGPT Pro subscribers will be able to use it. Apart from this, it will also be necessary for them to have a valid American payment card for convenience.
This wallet can be used through the company's AI agents. Its purpose is to simplify the purchasing processes on the user's side. However, the AI agent will not be allowed to make payments without permission at its own level. Before each purchase, the user will be shown the transaction details so that he can check the necessary details before making the payment.
The option of biometric security has also been kept for approving payments. Users will be able to authorize transactions through Face ID or fingerprint scan. You will have the opportunity to check the details of the goods, the total price and the card used before payment. This will help the user decide whether he wants to pay for the purchase in question or not.
To keep card information safe, payment token technology will be used in this system. While online payments typically involve sensitive card information, token systems use an alternative digital identity in place of actual card details. With this, both the merchant making the purchase and the AI agent will not need to see the actual card number or other sensitive information.
The company is also working towards making this feature more automated in the future. According to the plan, users will be able to set conditions such as their spending limits, purchase categories and time limits for transactions. Based on these rules, AI agents will be able to handle many purchasing related tasks on their own. However, detailed information regarding the availability of such extended facilities and the timeline for their implementation has not been revealed yet.
The introduction of ChatGPT Wallet is likely to increase the role of AI agents in online shopping. At present its use will be limited to eligible users of America. In the coming time, it will be important to see to which countries the company expands this facility and how many new options the users get in the payment process.