/PRNewswire/ — On April 2, a special taxi booking transaction was successfully completed in Hong Kong, China. After entering the booking information into the AI assistant developed by technology company Evonet, the tester quickly received a list of available taxi types and prices from the taxi ordering platform Hoppa, along with a recommended booking option.
Jako mezinárodní platební systém s globální působností společnost UnionPay oficiálně uvedla Otevřený protokol pro agentní platby (APOP) – řešení UnionPay pro platby zprostředkované agenty – využívající schopnosti a neutralitu své platformy.
Four key functions underlying the trust mechanism and interaction model for agent payments
The APOP framework aims to establish a unified trust mechanism and interaction paradigm. By connecting participants in the agent payment ecosystem through trusted routing, it enables any compatible agent, merchant, financial institution and technology platform to integrate on a plug-and-play basis and easily and securely engage in complex agent payment processes. Specifically, this framework is built on four key features.
First, it supports agent identity lifecycle management, from registration and information update to logout. Second, by offering end-to-end intent management including generation, registration, and authentication, the APOP framework implements a user intent-centric trust mechanism. Third, it provides simplified user identity management. The framework enables single sign-on (SSO) across participants such as agents, merchants, and financial institutions, enabling mechanisms to share credentials while maintaining privacy and security. Fourth, the APOP framework offers a comprehensive set of payment authorization services, including activation verification for agent payments, payment deduction, and user consent verification.
Global industry players are working together to create an open and secure agent payment ecosystem
The APOP framework follows the principles of openness and interoperability. Based on UnionPay’s global acceptance network, it aims to develop industry-wide standards and create an inclusive framework that enables interoperability between institutions, platforms and different uses both in mainland China and beyond.
In addition, four other fundamental principles play a significant role in the design of the APOP framework. First, compliance and auditability. Agent payments must meet existing regulatory requirements to ensure the business framework aligns with changing regulatory trends. Second, safety as a priority. Through agent identity verification and intent management, the framework ensures that agent payment processes are understandable, traceable, and fully reconstructable. Third, enhanced confidence. The framework clearly defined the responsibilities, rights and risks of all parties involved to provide a solid basis for dispute resolution. Fourth, wide compatibility. A number of access solutions are available that allow participants to integrate into the ecosystem in a cost-effective and seamless manner while maintaining a high level of customizability.
According to Dong Junfeng, Chairman of China UnionPay, the company will continue to pursue its vision of “Trusting Ties, Shared Success” and work closely with industry partners to actively take advantage of the transformational opportunities brought by artificial intelligence. Leading the collaborative effort, UnionPay aims to chart a new roadmap for agent payments that is secure, auditable, inclusive, efficient and characterized by global connectivity, taking the payments industry to a new level in the era of artificial intelligence.