当 AI 开始帮你买买买，中国首个AI商业协议来了！

Core Insights - The ACT protocol (Agentic Commerce Trust Protocol) has been launched by Alipay in collaboration with various partners to create an open technical framework designed for AI-driven commercial needs, facilitating seamless collaboration between AI and e-commerce platforms [1][5] Group 1: ACT Protocol Overview - The ACT protocol aims to establish a "universal language" for AI task execution across different terminals, systems, and platforms, enhancing convenience and efficiency in transactions [1] - It addresses key concerns regarding user authorization for AI operations, security in financial transactions, and maintaining a consistent service experience across devices and applications [2][4] Group 2: Functionality and User Experience - The protocol allows for automated transaction processes, significantly reducing manual intervention and improving service efficiency, while ensuring that payment processes remain user-led or authorized [4] - Two payment modes are provided: Instant Payment, where users interact with AI in real-time for immediate transactions, and Delegated Authorization, allowing users to set parameters for AI to autonomously complete transactions [4] Group 3: Compatibility and Future Development - The ACT protocol adheres to principles of compatibility, privacy, and openness, ensuring it can adapt to existing commercial and payment systems while evolving with advancements in AI technology [5] - Alipay is actively encouraging more payment service providers, merchants, AI developers, and smart device manufacturers to join in refining the protocol and building a new ecosystem of AI commerce trust [5] Group 4: Industry Context - The rise of AI-native applications is making payment processes a focal point for global tech companies, with similar initiatives being launched by OpenAI and Google to enhance AI-driven transaction capabilities [5]