Google AP2：AI代理付款的新規則手冊

潛入Google的代理付款協議（AP2），開放標準徹底改變了AI代理如何安全有效地處理付款。

Imagine a world where your AI assistant seamlessly handles purchases on your behalf. Google's Agent Payments Protocol (AP2), announced in September 2025, is designed to make that a reality. It's a collaborative effort to create a secure and standardized way for AI agents to initiate payments.

想像一個世界，您的AI助手代表您無縫處理購買。 Google的代理支付協議（AP2）於2025年9月宣布，旨在使這一現實。這是為AI代理商發起付款的安全和標準化的方式的協作努力。

Would you let your chatbot pick up the tab?

您會讓聊天機器人拿起標籤嗎？

Let’s see if AP2 can make that a reality.

讓我們看看AP2是否可以實現這一目標。

Why Was AP2 Needed?

為什麼需要AP2？

Current payment systems are designed for human interaction. Autonomous agents change the game, raising questions about authorization, authenticity, and accountability. AP2 addresses these concerns, providing a common language and rules for AI agents to transact securely.

當前的支付系統是為人類互動而設計的。自主代理改變遊戲，提出有關授權，真實性和問責制的問題。 AP2解決了這些問題，為AI代理提供了一種共同的語言和規則，可以安全地進行交易。

• Authorization: How do we verify you actually gave your agent permission to make this specific purchase? In other words, prove the AI isn’t going rogue on a shopping spree with your money.
• Authenticity: How can a merchant be sure the agent’s order reflects your true intent and not a misunderstanding (or an AI hallucination)? Did you really want the 100 pairs of sneakers it put in the cart, or did it misinterpret your request?
• Accountability: If a transaction turns out fraudulent or wrong, who’s on the hook for it – you (the user), the agent’s developer, the merchant, or your bank (issuer)? In other words, when your AI messes up, who pays for the damages?

Without a standard like AP2, the rise of AI commerce could be hampered by fear and confusion.

沒有像AP2這樣的標準，AI商業的興起可能會因恐懼和混亂而阻礙。

What Exactly Is AP2?

AP2到底是什麼？

AP2 is a set of standards and message formats that allows an AI agent to prove it has user approval to make a payment. It acts as a translator and trust broker between AI agents and existing payment systems.

AP2是一組標準和消息格式，允許AI代理證明其具有用戶批准以付款。它充當AI代理和現有支付系統之間的翻譯和信任經紀人。

Key characteristics of AP2 include:

AP2的關鍵特徵包括：

• Open & Universal: Designed for industry-wide adoption, with over 60 players involved.
• Payment-Agnostic: Works with any payment method, from credit cards to crypto.
• Security & Compliance Built-In: Designed to meet security, privacy, and regulatory needs.

Think of AP2 as a digital notary and traffic cop for AI payments, ensuring secure and verifiable transactions.

將AP2視為AI付款的數字公證和流量COP，以確保安全和可驗證的交易。

The future of finance is about to get a whole lot smarter, and AP2 is leading the charge. It's a bold step towards a world where your AI can handle the mundane financial tasks, leaving you with more time to enjoy that overpriced avocado toast. So, buckle up, because the robots are (safely) taking over!

財務的未來將變得更加聰明，而AP2正在領導。這是朝著您的人工智能可以處理平凡的財務任務的世界大膽的一步，使您有更多時間來享受價格過高的鱷梨吐司。因此，扣緊，因為機器人（安全）接管了！