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A criticism of computer use platforms and other search agents is that you cannot complete any transaction within the same window if you use them to find a product or a hotel.
MasterCard Its objective is to change that, integrating artificial intelligence companies and platforms in their payments network, allowing users and companies to make transactions without problems within their respective ecosystems. Today the company announced Agent paymentA new payment program that carries the MasterCard Payment System to the AI chat platforms.
Greg Ulrich, the Mastercard data chief and the AI officer, told Venturebeat in an interview that the agent pays “closes the cycle” in the search for agent.
“You want to close the loop within the experience to enable customer experience in the most effective way possible, which is what we are trying to enable today,” said Ulrich. “You must ensure that everyone in the ecosystem can identify agents and authenticate the agent to handle the transaction safely and safely.”
Operai, anthropic and perplexity can join the Mastercard payments, allowing other network participants (merchants, card users and financial institutions) to trust the platform transactions and verify any potential fraud. It also allows Mastercard to bring its fraud dispute systems and transactions to these companies.
Mastercard associated with Microsoft, IBM, Braintree and Checkout.com to climb the agent’s payment, orchestrate the system and improve other features for merchants. It will also integrate the payment of the agent with banks and other financial institutions.
Make the most useful agents searches
During the past year, we have seen that the search with ia evolves from simply listing information to actively use your computer in your name. These platforms Allow users to ask AI models to look for information on the Internet. You can offer recommendations for products or places to visit. Ai Search has proven to be popular.
This week, Operai even announced that it is Add purchasing functions to the search for chatgptexecuting in GPT-4O, in an attempt to compete with the long domain of Google in the search for products.
However, users have always discovered that they need to open a separate window if you see an agreement.
“We will work with the AI and agents platform so that they can be on board and can access technology. But on the commercial side, you can now do things to recognize these transactions and administer more effectively the risk around this,” said Mastercard digital director Pablo Fourez.
Taking these platforms to a payment system such as Mastercard makes them more useful, since they can serve not only as a place where people find information, but also as a platform where users can find and make transactions.
When AI companies are part of the payment network, it could also improve any agent workflow built by companies. Imagine a workflow of agent that includes the search for new suppliers, find an adequate provider, help with negotiations, write a contract and establish transactions through the platform.
The company is discussing the integration of the agent’s payment into the services of Copilot and Azure/OpenAi of Microsoft.
Tokens instead of AI
However, Agent Pay is not based on the generative AI, although Mastercard takes advantage of technology for other products.
Agent Pay is based on the company’s token technology, which uses cryptography to help mask personal identification information (PII) during digital transactions.
“It is a separate number that is useless if it is not used within the context of the transaction he authorized,” said Fourez. “That is achieved through cryptography that makes transaction each transaction unique, and if someone else gets this information, they can’t do anything with it.”
Mastercard uses generative models of AI and large language for fraud detection, which Ulrich said it works in conjunction with the token for the payment of the agent, since its models of ia verify the transactions for fraud once they begin.
Ulrich added that the Pay agent allows all companies and people involved in the transaction trust that “the rules work in this ecosystem.”
“We make sure to safely and safely identify these players in the ecosystem, which we have a way of capturing and keeping credentials safely,” he said.
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