The digital commerce arena is preparing for a turning point with OpenAI announcing the launch of the “GBT Chat Wallet” service, which allows artificial intelligence agents to complete payment operations and make purchases on behalf of users, without revealing their bank card data, while imposing strict requirements for security verification in every transaction.
The development of this service came through a strategic partnership that linked the company with giants of the global payments sector. They are American Express, MasterCard, and Visa.
As a first step to launching the service, it was decided to launch it in the American market specifically for subscribers of the “Chat GPT Pro” package who are over the age of 18 and hold eligible American credit cards, where the service is activated through artificial intelligence agents known as “Dots.”
The working mechanism depends on giving the user complete and direct control before completing any payment process. It can review the products, invoice value, and card used, then rely on biometric verification methods such as a face or fingerprint to confirm the purchase.
To ensure maximum protection, the payment network provides an encrypted payment code instead of revealing the actual card numbers, which prevents the merchant or smart agent from viewing the account details.
In the near future, the company aspires to develop these capabilities to enable users to give their digital agents prior authorization to make purchases automatically according to precise controls that the user sets himself, such as setting a spending ceiling, or limiting purchases to specific goods and specific time periods.