ChatGPT can now make payments

US-based artificial intelligence company OpenAI announced its digital wallet called ChatGPT Wallet, developed in cooperation with American Express, Mastercard and Visa. The new system will allow artificial intelligence agents to pay for purchases without accessing users' real card information.

According to the statement made by OpenAI, ChatGPT Wallet will initially be offered to a limited number of ChatGPT Pro subscribers in the USA through the company's personal artificial intelligence agent called "dots".

OpenAI stated that ChatGPT reaches 1.2 billion weekly users, and a significant portion of users use AI to research products, compare options and make purchasing decisions.

With ChatGPT Wallet, the company aims to take this process one step further and enable users to complete their purchases directly through artificial intelligence agents.

With the new system, artificial intelligence agents will be able to make purchases through businesses' existing payment infrastructures.

Those who want to use ChatGPT Wallet will add their debit or credit cards to the system once. They will not need to re-enter their card information for subsequent purchases.

Before each purchase, the user will be shown the products to be purchased, the total amount and the card to be paid. In order to complete the transaction, approval will be required through biometric verification methods such as Face ID or fingerprint.

Thus, artificial intelligence agents will be able to carry out the shopping process, but the payment will not be completed without the user's approval.

According to OpenAI's statement, users' real card information will not be shared with artificial intelligence agents or shopping businesses.

After the user confirms the transaction, the payment network will create digital payment information called "token" that replaces the real card information. This information will include the card number used for payment, security code and expiration date.

Payment will be taken from the card chosen by the user, but the actual card information will not be transferred to the business or the artificial intelligence agent.

OpenAI has also published various tools and guides for businesses to serve customers shopping through artificial intelligence agents.

In the company's statement, it was stated that websites should not accidentally block artificial intelligence agents, and payment and security systems should be able to recognize valid purchases made by these agents.

In this way, it is aimed for businesses to accept purchases made via artificial intelligence using their existing payment infrastructures.

OpenAI plans to allow users to leave their shopping transactions entirely to artificial intelligence agents by setting certain limits in the future.

Accordingly, users will be able to pre-authorize transactions by setting spending limits, product categories that can be purchased or certain time intervals.

However, this feature is not available yet. In the current system, each purchase must be individually approved by the user.

ChatGPT Wallet will initially be available to a limited number of ChatGPT Pro subscribers in the United States.

OpenAI aims to increase the compatibility and reliability of the system with different shopping sites by benefiting from the user experiences obtained in this process.