摘要：Visa与OpenAI达成合作，计划将Visa安全支付系统直接嵌入ChatGPT，迈向AI代用户下单购物的未来。不过目前ChatGPT尚不支持实际结账，消费者对授权AI使用信用卡仍存在隐私顾虑与信任障碍，行业也还未建立相应的交易争议处理机制。
Would you hand an AI chatbot your credit card? This week, Visa’s deal with ChatGPT maker OpenAI became the latest step in the march toward a future where AI offers to shop on your behalf.你会把信用卡交给人工智能聊天机器人吗？本周，维萨与ChatGPT的制造商OpenAI达成合作，这朝着人工智能主动为你购物的未来迈出了最新一步。
A MARTÍNEZ, HOST: A MARTÍNEZ，主持人：
Major AI companies are picturing a future where people share credit card information with chatbots and then trust those bots to become personal shoppers. The companies have been lining up deals to make that vision a reality, like one last week between Visa and OpenAI, the maker of ChatGPT. NPR’s Alina Selyukh explores the next frontier of shopping.各大人工智能公司正描绘这样一幅未来图景：人们向聊天机器人提供信用卡信息，然后信任这些机器人成为个人购物助手。这些公司一直在敲定相关协议以实现这一愿景，比如维萨公司与ChatGPT的开发公司OpenAI上周达成的合作。美国国家公共广播电台（NPR）的阿丽娜·塞尔尤克为我们探寻购物领域的下一个前沿阵地。
ALINA SELYUKH, BYLINE: One analogy for where we are now in the arc of shopping with AI was offered recently by the CEO of Amazon. Here’s Andy Jassy on his latest call with investors.阿丽娜·谢柳赫 报道：亚马逊首席执行官近期就我们目前在人工智能购物发展历程中的阶段打了个比方。以下是安迪·贾西在最新一次投资者电话会议上的发言。
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ANDY JASSY: Today, it reminds me, in some ways, the stage we’re in of what we saw in the early days of search engines.安迪·贾西：如今，这在某种程度上让我想起了我们在搜索引擎发展初期所看到的阶段。
SELYUKH: Back when people didn’t even know how to ask Yahoo or WebCrawler or Ask Jeeves the right question to find the right answer – like, what’s a good home printer?塞柳克：回想当年，人们甚至不知道该怎么向雅虎、网络爬虫或杰维斯提问师问出合适的问题，来找到正确答案——比如，哪款家用打印机好用？
(SOUNDBITE OF KEYBOARD KEYS CLICKING)（键盘按键敲击声）
SELYUKH: I’m looking for a combination printer and scanner to…塞柳克：我在找一款集打印和扫描于一体的设备，用来……
OK, so this wasn’t really a hypothetical. I did ask this of ChatGPT. And then I tested the boundaries.好的，这其实不是一个假设性的问题。我确实向 ChatGPT 提出了这个问题，然后还测试了它的边界。
(SOUNDBITE OF KEYBOARD KEYS CLICKING)（键盘按键敲击声）
SELYUKH: Can you actually buy it for me? It says, no, I cannot place or complete purchases for you, and I also don’t have the ability to enter payment details.塞柳克：你真的能帮我买吗？上面显示不行，我不能为你下单或完成购买，而且我也没有权限输入支付详情。
So today, you cannot check out through ChatGPT. You can only browse. In fact, most of the popular AI tools are not there yet, though shopping fully through AI is clearly a goal envisioned by Amazon and Google and OpenAI. This has all kinds of companies scrambling to build themselves into this future – case in point, Visa trying to embed its payment system within ChatGPT.所以现在你还无法通过 ChatGPT 完成结账，只能浏览商品。事实上，目前大多数热门 AI 工具都还未接入这一功能，尽管通过 AI 完成全流程购物显然是亚马逊、谷歌和 OpenAI 设定的目标。这促使各类企业纷纷加紧布局这一未来——例如，维萨（Visa）正尝试将其支付系统嵌入 ChatGPT。
EMILY PFEIFFER: Everyone has this feeling that they’re already behind.艾米丽·法伊弗：每个人都觉得自己已经落后了。
SELYUKH: Emily Pfeiffer is a principal analyst at Forrester, where she advises retailers and brands on digital commerce strategy, which includes AI. And lately, that means cooling a lot of big emotions about the AI race among her clients.塞柳克：艾米丽·法伊弗是弗雷斯特研究公司的首席分析师，她为零售商和品牌提供包括人工智能在内的数字商务战略咨询。而最近，这意味着她要安抚客户们对人工智能竞赛的诸多强烈情绪。
PFEIFFER: A lot of my job right now is saying, everything’s OK. You’re going to be fine. No one has this figured out.法伊弗：我目前工作的很大一部分就是告诉大家，一切都会好起来的。你们会没事的。没人能把这一切都搞清楚。
SELYUKH: It’s still really early days. As Amazon’s Jassy pointed out, so far, chatbots are kind of messy.塞柳赫：现在还为时过早。正如亚马逊的贾西所指出的，目前的聊天机器人还都有些杂乱。
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JASSY: They’re not often able to get the pricing right or the product information right.贾西：它们往往无法准确给出定价或产品信息。
SELYUKH: And so even among confident users of AI, people tend to mostly use it like I did – to research and compare different options. If you think about how often people abandon their shopping carts on established shopping websites, Pfeiffer says it’s even worse with chatbots. And lots of questions have to be sorted out before we march into a future of trusting AI to shop for us – like, what if it buys the wrong thing?塞柳赫：即便在对AI充满信心的用户群体中，人们也大多像我这样使用它——用来研究和对比不同选项。菲弗表示，想想人们在成熟购物网站上放弃购物车的频率就知道，聊天机器人的情况还要更糟。在我们迈入让AI为我们购物的未来之前，还有很多问题需要解决——比如，要是它买错了东西该怎么办？
PFEIFFER: We don’t currently have any protocols for disputing a payment that’s made on our behalf by an agent.费弗：我们目前没有针对由代理人代付的款项提出异议的任何流程。
SELYUKH: For example, Target recently updated its terms to say that for now, whatever you buy with the help of AI is on you. You cannot blame AI for your shopping mistakes. In surveys, when shoppers get asked about a scenario where they might give their credit cards to AI to shop on their behalf, the vast majority still say they would not feel comfortable doing that. And there’s another thing that this vision of an AI future seems to overlook, Pfeiffer says, which is that for a lot of people, shopping is not a chore to outsource.塞柳克：比如，塔吉特公司最近更新了条款，称目前无论你借助人工智能购买了什么东西，后果都由你自己承担。你不能因为购物失误而怪罪人工智能。在调查中，当被问及是否愿意把信用卡交给人工智能代自己购物时，绝大多数消费者仍表示对此感到不自在。菲弗表示，人工智能未来的这一构想似乎还忽略了另一点，那就是对很多人来说，购物并非一件需要外包出去的琐事。
PFEIFFER: It’s as though we forgot. We just forgot – right? – that shopping is fun. But some shopping intents are not fun. Sometimes I need just the cheapest thing to show up on my doorstep. I’m almost out of paper towels. That’s not fun to shop for. Sorry, paper towels. You’re not fun.费弗：就好像我们忘了。我们就是忘了——对吧？——购物是件乐事。但有些购物意愿可一点也不开心。有时候我只希望最便宜的东西能送到家门口。我的厨房纸快用完了。买厨房纸可没什么乐趣。抱歉啊，厨房纸。你可不怎么讨喜。
SELYUKH: And that’s the unfun kind of shopping where AI might shine someday.塞柳克：而人工智能或许有朝一日能在这种无趣的购物场景中发挥作用。
Alina Selyukh, NPR News. 阿丽娜·谢柳克，为美国国家公共广播电台报道。