OpenAI Launches ChatGPT Wallet, AI Agents Can Make Purchases with User Confirmation

OpenAI has launched ChatGPT Wallet, allowing its "dots" AI agents to make purchases on behalf of users after authorization. The initial rollout is aimed at ChatGPT Pro subscribers in the U.S. aged 18 and older. This feature collaborates with American Express, MasterCard, and Visa, enabling cardholders to enjoy credit card rewards and purchase protection. Eligible users only need to enter their card information once, and the AI can search for products, but each payment requires user confirmation through secure verification. OpenAI stated that the AI will not access users' actual card information; the payment network will provide a dedicated payment token for each transaction, containing a card number, security code, and expiration date that are only valid for that transaction. Initially, ChatGPT Wallet will not take a cut from transactions, focusing instead on establishing partnerships with merchants and payment networks. This follows OpenAI's enhancement of its product search and price comparison features in March this year, further extending the shopping process to the payment stage. As of the end of the third quarter, ChatGPT has over 1.2 billion weekly active users, with nearly 100 million paying users. Merchants have mixed feelings about AI agents making purchases; United Airlines will prevent the AI from accessing its booking system, and Amazon will not allow the AI to place orders on its platform. OpenAI has released tools and guidelines for merchants to help them check if their websites inadvertently block OpenAI's AI agents.

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