{"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\/it\/2026\/11\/chatgpt-wallet-lets-openais-agents-pay-without-seeing-your-card\/","title":{"rendered":"ChatGPT Wallet consente agli agenti di OpenAI di pagare senza vedere la tua carta"},"content":{"rendered":"

Gli agenti AI di OpenAI ora possono pagare gli acquisti per conto di un utente senza visualizzare il numero reale della carta. Il nuovo ChatGPT Wallet \u00e8 stato lanciato venerd\u00ec, ma solo per gli utenti Pro paganti negli Stati Uniti, un gruppo ristretto rispetto agli 1,2 miliardi di persone che, secondo OpenAI, utilizzano ChatGPT ogni settimana.<\/strong><\/p>\n\n\n\n

La nuova funzionalit\u00e0 di pagamento \u00e8 stata annunciata in un post sul blog aziendale il 13 novembre.<\/a> OpenAI l'ha sviluppata in collaborazione con American Express, Mastercard e Visa. Per ora funziona solo con i \"dots\", gli agenti always-on che OpenAI ha aggiunto a ChatGPT a settembre. Gli utenti devono avere almeno 18 anni e possedere una carta idonea emessa negli Stati Uniti.<\/p>\n\n\n\n

Come funziona un acquisto<\/h2>\n\n\n\n

L'utente aggiunge una carta una sola volta. Quando l'agente AI \u00e8 pronto per effettuare un acquisto, l'utente visualizza gli articoli, il totale e la carta selezionata. L'utente approva quindi l'acquisto tramite un controllo come il riconoscimento facciale o la scansione dell'impronta digitale.<\/p>\n\n\n\n

Dopodich\u00e9, il circuito di pagamento crea un token di pagamento. Si tratta di un numero di carta, un codice di sicurezza e una data di scadenza sostitutivi che vengono utilizzati al posto dei dati reali della carta. OpenAI afferma che n\u00e9 il negozio n\u00e9 l'agente di intelligenza artificiale vedono la carta reale. Gli utenti mantengono i loro punti premio e le consuete protezioni, ad esempio nel caso in cui un articolo arrivi danneggiato.<\/p>\n\n\n\n

Ogni agente dispone di un proprio computer cloud e di un proprio browser web, e pu\u00f2 continuare a lavorare su un'attivit\u00e0 anche dopo che l'utente ha chiuso la chat. Gli agenti sono stati presentati per la prima volta durante un evento per sviluppatori il 29 settembre.<\/a><\/p>\n\n\n\n

Progetti di acquisto senza autorizzazione<\/h2>\n\n\n\n

OpenAI afferma che, col tempo, gli utenti potranno consentire agli agenti di intelligenza artificiale di effettuare acquisti senza doverli approvare singolarmente. Verranno applicati dei limiti, come un tetto massimo di spesa, un tipo di prodotto o un periodo di tempo. Non \u00e8 stata ancora fornita una data precisa.<\/p>\n\n\n\n

Alcuni negozi potrebbero anche rifiutare per errore gli agenti. OpenAI afferma che alcuni siti web e sistemi antifrode bloccano o annullano acquisti reali effettuati dagli agenti. L'azienda sta collaborando con societ\u00e0 di pagamento come Adyen, Checkout.com e Stripe per ridurre questo problema.<\/p>\n\n\n\n

Luke Gebb, responsabile dell'innovazione presso American Express, ha affermato che l'avvio limitato era \u201cl'approccio giusto per assicurarsi che le cose funzionassero\u201d. Ha rilasciato questa dichiarazione in un'intervista a un canale televisivo americano di notizie economiche.<\/a><\/p>\n\n\n\n

Pagare in modo sicuro non \u00e8 la stessa cosa che acquistare in modo sicuro<\/h2>\n\n\n\n

Un pagamento sicuro non significa un negozio sicuro. A settembre, un'azienda che protegge i marchi ha chiesto a ChatGPT, Gemini e Perplexity dove acquistare prodotti di 151 marchi. Su 6.795 risposte, ChatGPT ha segnalato un sito web rischioso, come un negozio falso o un indirizzo web non funzionante, nell'8% dei casi. Perplexity ha segnalato lo stesso problema nel 15% dei casi e Gemini nel 4%.<\/p>\n\n\n\n

L'azienda ha pubblicato il proprio metodo e i risultati completi.<\/a> L'azienda vende protezione del marchio, quindi questi dati provengono dai suoi test interni. Inoltre, non tutte le aziende desiderano che agenti basati sull'intelligenza artificiale facciano acquisti per conto dei propri clienti. Questa settimana abbiamo parlato di una compagnia aerea che li blocca.<\/a><\/p>\n\n\n\n

Perch\u00e9 \u00e8 importante:<\/strong> Il token impedisce all'IA di accedere al numero della carta, ma non verifica l'autenticit\u00e0 del negozio. Per ora, la principale garanzia rimane l'utente, che deve leggere attentamente ogni acquisto prima di approvarlo.<\/p>","protected":false},"excerpt":{"rendered":"

Il nuovo ChatGPT Wallet di OpenAI consente ai suoi agenti di pagare gli acquisti senza vedere la tua carta reale. Al momento \u00e8 disponibile solo per gli utenti Pro negli Stati Uniti e ogni acquisto richiede la tua approvazione.<\/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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