{"id":16104,"date":"2026-11-13T17:13:14","date_gmt":"2026-11-13T16:13:14","guid":{"rendered":"https:\/\/dailyai.com\/?p=16104"},"modified":"2026-11-13T17:14:06","modified_gmt":"2026-11-13T16:14:06","slug":"chatgpt-wallet-lets-openais-agents-pay-without-seeing-your-card","status":"publish","type":"post","link":"https:\/\/dailyai.com\/fr\/2026\/11\/chatgpt-wallet-lets-openais-agents-pay-without-seeing-your-card\/","title":{"rendered":"ChatGPT Wallet permet aux agents d'OpenAI de payer sans voir votre carte"},"content":{"rendered":"

Les agents IA d'OpenAI peuvent d\u00e9sormais r\u00e9gler les achats pour le compte d'un utilisateur sans conna\u00eetre le num\u00e9ro de carte bancaire. Le nouveau ChatGPT Wallet a \u00e9t\u00e9 lanc\u00e9 vendredi, mais uniquement pour les utilisateurs payants de la version Pro aux \u00c9tats-Unis, un groupe restreint parmi les 1,2 milliard de personnes qui, selon OpenAI, utilisent ChatGPT chaque semaine.<\/strong><\/p>\n\n\n\n

Cette nouvelle fonctionnalit\u00e9 de paiement a \u00e9t\u00e9 annonc\u00e9e dans un article de blog de l'entreprise le 13 novembre.<\/a> OpenAI a d\u00e9velopp\u00e9 cette application en collaboration avec American Express, Mastercard et Visa. Pour l'instant, elle fonctionne uniquement avec les \u00ab\u00a0dots\u00a0\u00bb, ces agents toujours connect\u00e9s qu'OpenAI a int\u00e9gr\u00e9s \u00e0 ChatGPT en septembre. Les utilisateurs doivent \u00eatre \u00e2g\u00e9s de 18\u00a0ans ou plus et poss\u00e9der une carte bancaire \u00e9ligible \u00e9mise aux \u00c9tats-Unis.<\/p>\n\n\n\n

Comment fonctionne un achat<\/h2>\n\n\n\n

L'utilisateur ajoute une carte une seule fois. Lorsque l'agent IA est pr\u00eat \u00e0 effectuer un achat, l'utilisateur voit les articles, le total et la carte s\u00e9lectionn\u00e9e. Il approuve ensuite l'achat \u00e0 l'aide d'une authentification comme la reconnaissance faciale ou une empreinte digitale.<\/p>\n\n\n\n

Ensuite, le r\u00e9seau de cartes cr\u00e9e un jeton de paiement. Il s'agit d'un num\u00e9ro de carte, d'un code de s\u00e9curit\u00e9 et d'une date d'expiration fictifs, utilis\u00e9s \u00e0 la place des v\u00e9ritables informations de la carte. OpenAI pr\u00e9cise que ni le commer\u00e7ant ni l'agent IA n'ont acc\u00e8s \u00e0 la v\u00e9ritable carte. Les utilisateurs conservent leurs avantages et les protections habituelles, notamment en cas de r\u00e9ception d'un article endommag\u00e9.<\/p>\n\n\n\n

Chaque agent dispose de son propre ordinateur cloud et de son navigateur web, et peut continuer \u00e0 travailler sur une t\u00e2che m\u00eame apr\u00e8s que l'utilisateur a ferm\u00e9 la conversation. Ces agents ont \u00e9t\u00e9 pr\u00e9sent\u00e9s pour la premi\u00e8re fois lors d'un \u00e9v\u00e9nement destin\u00e9 aux d\u00e9veloppeurs le 29 septembre.<\/a><\/p>\n\n\n\n

Projets d'achats sans autorisation<\/h2>\n\n\n\n

OpenAI indique qu'\u00e0 terme, les utilisateurs pourront autoriser les agents IA \u00e0 effectuer des achats sans avoir \u00e0 les approuver individuellement. Des limites, telles qu'un plafond de d\u00e9penses, un type de produit ou une p\u00e9riode de validit\u00e9, s'appliqueront. Aucune date n'a \u00e9t\u00e9 communiqu\u00e9e.<\/p>\n\n\n\n

Il arrive que certains commerces refusent par erreur l'acc\u00e8s aux agents. OpenAI indique que certains sites web et syst\u00e8mes anti-fraude bloquent ou annulent les achats l\u00e9gitimes effectu\u00e9s par des agents. L'organisation collabore avec des soci\u00e9t\u00e9s de paiement telles qu'Adyen, Checkout.com et Stripe afin de r\u00e9duire ce probl\u00e8me.<\/p>\n\n\n\n

Luke Gebb, responsable de l'innovation chez American Express, a d\u00e9clar\u00e9 que ce d\u00e9marrage limit\u00e9 \u00e9tait \u00ab la bonne approche pour s'assurer que les choses fonctionnent \u00bb. Il a fait cette remarque lors d'une interview accord\u00e9e \u00e0 une cha\u00eene d'information \u00e9conomique am\u00e9ricaine.<\/a><\/p>\n\n\n\n

Payer en toute s\u00e9curit\u00e9 ne signifie pas acheter en toute s\u00e9curit\u00e9<\/h2>\n\n\n\n

Un paiement s\u00e9curis\u00e9 ne garantit pas un site marchand s\u00fbr. En septembre, une entreprise sp\u00e9cialis\u00e9e dans la protection des marques a interrog\u00e9 ChatGPT, Gemini et Perplexity sur les sites d'achat de 151 marques. Sur 6\u00a0795 r\u00e9ponses, ChatGPT a indiqu\u00e9 un site web \u00e0 risque, comme une fausse boutique ou une adresse web inactive, dans 8\u00a0% des cas. Perplexity a fait de m\u00eame dans 15\u00a0% des cas et Gemini dans 4\u00a0%.<\/p>\n\n\n\n

L'entreprise a publi\u00e9 sa m\u00e9thode et ses r\u00e9sultats complets.<\/a> Cette entreprise vend des services de protection de marque\u00a0; il s\u2019agit donc de ses propres chiffres, issus de ses propres tests. Par ailleurs, toutes les entreprises ne souhaitent pas que des agents IA fassent des achats pour leurs clients. Nous avons publi\u00e9 cette semaine un article sur une compagnie a\u00e9rienne qui les bloque.<\/a><\/p>\n\n\n\n

Pourquoi c'est important\u00a0:<\/strong> Le jeton emp\u00eache l'agent IA d'acc\u00e9der au num\u00e9ro de carte, mais il ne v\u00e9rifie pas la l\u00e9gitimit\u00e9 du commerce. Pour l'instant, la principale protection reste l'utilisateur, qui doit examiner chaque achat avant de le valider.<\/p>","protected":false},"excerpt":{"rendered":"

Le nouveau ChatGPT Wallet d'OpenAI permet \u00e0 ses agents de r\u00e9gler vos achats sans voir votre vraie carte. Pour l'instant, il est r\u00e9serv\u00e9 aux utilisateurs Pro aux \u00c9tats-Unis, et chaque achat n\u00e9cessite votre approbation.<\/p>","protected":false},"author":16,"featured_media":16105,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[83],"tags":[],"class_list":["post-16104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product"],"yoast_head":"\nChatGPT Wallet Lets AI Agents Pay Without Seeing Your Card<\/title>\n<meta name=\"description\" content=\"ChatGPT Wallet lets OpenAI\u2019s dots agents pay for shopping with a payment token, not your real card. It is live for US Pro users. 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