Google AP2：AI代理付款的新规则手册

潜入Google的代理付款协议（AP2），开放标准彻底改变了AI代理如何安全有效地处理付款。

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.

想象一个世界，您的AI助手代表您无缝处理购买。 Google的代理支付协议（AP2）于2025年9月宣布，旨在使这一现实。这是为AI代理商发起付款的安全和标准化的方式的协作努力。

Would you let your chatbot pick up the tab?

您会让聊天机器人拿起标签吗？

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

让我们看看AP2是否可以实现这一目标。

Why Was AP2 Needed?

为什么需要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.

当前的支付系统是为人类互动而设计的。自主代理改变游戏，提出有关授权，真实性和问责制的问题。 AP2解决了这些问题，为AI代理提供了一种共同的语言和规则，可以安全地进行交易。

• 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.

没有像AP2这样的标准，AI商业的兴起可能会因恐惧和混乱而阻碍。

What Exactly Is AP2?

AP2到底是什么？

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是一组标准和消息格式，允许AI代理证明其具有用户批准以付款。它充当AI代理和现有支付系统之间的翻译和信任经纪人。

Key characteristics of AP2 include:

AP2的关键特征包括：

• 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.

将AP2视为AI付款的数字公证和流量COP，以确保安全和可验证的交易。

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!

财务的未来将变得更加聪明，而AP2正在领导。这是朝着您的人工智能可以处理平凡的财务任务的世界大胆的一步，使您有更多时间来享受价格过高的鳄梨吐司。因此，扣紧，因为机器人（安全）接管了！