<p>6 月 17 日，微信正式宣布推出支持人工智能的微信支付专属卡。根据官方描述，用户可以在与 Workbuddy 的对话中提交消费请求，并使用支持人工智能的专属卡完成相关支付。这听起来非常有趣：未来，人工智能可以点一杯奶茶、购买服务或订阅工具，整个过程都可以由人工智能自行处理。然而，在实际使用中，我们发现微信的人工智能专属卡尚不支持完全自动化的人工智能消费。更准确的理解是，这是微信支付为人工智能代理开放的支付能力层，但每笔交易仍需用户确认，购买是否能够实际完成取决于代理、技能、第三方平台授权和产品履行流程。本文将从两个问题和一个实际演示开始：微信的人工智能专属卡究竟是什么？它现在能做什么，不能做什么？让我们通过点一杯奶茶来测试一下，看看会遇到多少问题。首先，结论：微信人工智能专属卡并不是一张 “人工智能可以随意刷的卡”。从产品机制的角度来看，微信人工智能专属卡更像是一个与主微信钱包分开的 “小钱包”。用户需要先绑定人工智能专属卡，然后从他们的微信钱包中充值。之后，人工智能代理的相关消费将首先从这个独立余额中扣除，而不是直接使用用户的常规微信钱包资金。简而言之，它解决了三个关键问题：第一，人工智能驱动的消费资金来自哪里？人工智能专属卡有独立余额，使财务边界更加清晰。第二，人工智能消费能否被控制？每笔支付仍需用户扫描二维码并在手机上确认；这不是人工智能的自动扣款。第三，人工智能消费记录如何管理？与常规微信支付分开的人工智能相关支出，使其更易于查看和管理。</p>
<h3>II. 如何激活：入口在 Workbuddy 对话中</h3>
<p>WorkBuddy 是腾讯推出的一款桌面办公效率智能助手，更像是一个代理工作台，界面类似于 CodeX。它可以理解用户在对话中的目标，然后通过不同的 “专家” 代理或技能调用外部能力来完成任务，例如办公处理、信息查询、本地生活服务等。</p>
<p><img src="https://imageproxy.pbkrs.com/https://uploads.panewslab.com/d01d9ce5-f67b-422d-be21-aff7657b5165?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="2048" height="789" original-src="https://imageproxy.pbkrs.com/https://uploads.panewslab.com/d01d9ce5-f67b-422d-be21-aff7657b5165"/></p>
<p>这次，微信支付的人工智能专属卡首次与 WorkBuddy 集成，这也意味着微信支付并没有直接向所有人工智能应用开放，而是首先在相对受控的代理场景中测试 “人工智能发起支付和用户确认扣款” 的完整链条。</p>
<p>实际激活过程并不复杂：首先，在 Workbuddy 对话框中询问：“我如何使用微信人工智能专属支付卡？” 代理将返回一个重定向链接⬇️ 第二，点击链接后，需要用微信扫描二维码进行绑定。这里有一个小细节：绑定链接仅在 5 分钟内有效；生成后请尽快扫描二维码。第三步是阅读并同意相关协议，输入支付密码，然后完成绑定。绑定后，用户可以使用原微信钱包为他们的人工智能专属卡充值。激活和充值体验相当顺畅。然而，人工智能支付的真正问题并不是 “如何激活卡”，而是激活后人工智能是否能够真正帮助用户顺利完成购买。 III. 目前适合哪些场景？根据 Workbuddy 的解释，人工智能专属卡主要针对几种类型的人工智能消费场景：1. 购买付费内容，如报告、数据和专业分析服务。2. 调用付费 API 或工具，如某些在线插件、专业数据库查询和按需付费工具。3. 订阅或续订服务，如平台内的增值功能和会员服务。这些场景有一个共同点：支付对象相对标准化，消费链条较短，履行方式相对明确。然而，不幸的是，到目前为止，我们还无法直接使用人工智能专属卡在这三种类型的应用中测试 Workbuddy 的支付功能。根据 Workbuddy 的说法，某些内置支付功能需要被触发。 IV. 现实测试：请求 Workbuddy 为我订购 Heytea 失败。我们尝试了一个非常简单的日常场景：请求 Workbuddy 为我订购 Heytea。结果是我们从一开始就遇到了限制。Workbuddy 本身无法直接完成这种类型的食品配送或饮料订购请求；它需要调用相应的生活服务技能。</p>
<p><img src="https://imageproxy.pbkrs.com/https://uploads.panewslab.com/f494ee11-8f95-4b1c-bbc8-c30d1eb9f8cf?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1718" height="868" original-src="https://imageproxy.pbkrs.com/https://uploads.panewslab.com/f494ee11-8f95-4b1c-bbc8-c30d1eb9f8cf"/></p>
<p>因此，参考官方微信演示，我们选择了 “美团生活助手” 技能。</p>
<p>这一步引入了一个新的费用问题：仅仅生成登录美团账户的二维码就消耗了 185.37 积分。相比之下，Workbuddy 每天登录奖励 150 积分。</p>
<p><img src="https://imageproxy.pbkrs.com/https://img.jinse.com.cn/7479210_image3.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="600" height="91" original-src="https://imageproxy.pbkrs.com/https://img.jinse.com.cn/7479210_image3.png"/></p>
<p>换句话说，在实际下单之前，仅登录授权步骤就超过了每日免费积分限制。</p>
<p><img src="https://imageproxy.pbkrs.com/https://img.jinse.com.cn/7479210_image3.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="600" height="91" original-src="https://imageproxy.pbkrs.com/https://img.jinse.com.cn/7479210_image3.png"/></p>
<p>在完成账户登录授权后，我们让它点了一杯奶茶。当 AI 专属卡支付链接弹出时，体验确实非常接近于 “AI 为我买东西”。然而，在支付后，我们发现 Workbuddy 实际上购买的并不是我们想要的奶茶，而是一个不符合我们需求的美团团购券。支付已完成，但购买结果并未满足用户的要求。六、失败原因：问题不在于支付，而在于代理执行链。实际上，这一失败不能简单归因于 AI 启用的卡 “不可用”。更准确地说，AI 启用的卡负责支付能力，而不是完整的购买能力。真正的瓶颈在于代理执行链。像 “给我点一杯奶茶” 这样简单的任务至少涉及以下几个步骤：识别用户需求、调用第三方平台、完成账户授权、选择正确的产品、确认履行方式、发起支付、用户确认支付，以及完成后续履行……AI 启用的卡仅覆盖了 “支付” 部分。前面的产品识别、平台重定向、账户授权、产品匹配以及后续的交付或验证都严重依赖于代理和第三方技能的能力。因此，在这次体验中，AI 确实触发了支付，但并没有完成 “正确的购买”。这也是许多 AI 代理面临的一个普遍问题：它们可以调用工具，但不一定能可靠地完成复杂的现实任务。六、当前机制：用户仍然持有最终支付确认权。从安全的角度来看，AI 专属卡不允许 AI 绕过用户直接进行支付。当前机制大致可以总结如下：这一设计相对受限，符合当前 AI 驱动消费场景的现实。如果 AI 能够直接自主地进行支付，风险实际上会非常高：买错产品、重复下单、意外订阅以及被误导进行购买都将成为现实问题。因此，微信 AI 专属卡目前更像是一个具有可控限额、确认交易和与主账户分离的微信迷你钱包。最后，如果你只是想体验微信 AI 专属支付卡，可以尝试激活，但建议从低金额、低风险和数字服务场景开始。然而，请记住以下三点：1. 首先充值少量；不要一次性充值太多。2. 在支付前仔细阅读产品名称、金额和支付方式。3. 不要假设 AI 代理理解你的真实需求，特别是当涉及到特定商店、配送、团购券和套餐时。</p>

<p>微信推出了支持人工智能的微信支付专属卡，允许用户通过 WorkBuddy 为 AI 代理交易提供独立余额。然而，现实测试显示该功能并不支持完全自动化支付；每笔交易仍需用户确认。该功能目前主要针对标准化场景，如付费内容和 API，而日常任务如订购奶茶由于履行限制而显得困难</p>

<p>On June 17th, WeChat officially announced the release of the AI-enabled Exclusive Card for WeChat Pay. According to the official description, users can submit their consumption requests during conversations with Workbuddy and complete the related payments using the AI-enabled Exclusive Card. This sounds very interesting: in the future, AI can order a cup of milk tea, buy a service, or subscribe to a tool, and the AI ​​can handle the entire process itself. However, in actual use, we found that the WeChat AI-enabled Exclusive Card does not yet support fully automated AI consumption. A more accurate understanding is that it is a payment capability layer opened up by WeChat Pay to the AI ​​Agent, but each transaction still requires user confirmation, and whether the purchase can actually be completed depends on the Agent, Skill, third-party platform authorization, and product fulfillment process. This article will start with two questions and a practical demonstration: What exactly is the WeChat AI-enabled Exclusive Card? What can it do now, and what can't it do? Let's test it by ordering a milk tea and see how many pitfalls we encounter. First, the conclusion: The WeChat AI Exclusive Card is not a &#34;card that AI can swipe at will.&#34; From a product mechanism perspective, the WeChat AI Exclusive Card is more like a &#34;small wallet&#34; separate from the main WeChat wallet. Users need to bind the AI ​​Exclusive Card first, and then recharge it from their WeChat Wallet. Afterwards, AI Agent's related spending will be deducted first from this independent balance, rather than directly using the user's regular WeChat Wallet funds. In short, it addresses three key questions: First, where does the money for AI-driven spending come from? The AI-specific card has an independent balance, making the financial boundaries clearer. Second, can AI spending be controlled? Each payment still requires the user to scan a code and confirm on their mobile phone; it's not an automatic deduction by AI. Third, how are AI spending records managed? AI-related expenditures are separated from regular WeChat Pay, making them easier to view and manage.</p>
<div class="lb-trans"><p>6 月 17 日，微信正式宣布推出支持人工智能的微信支付专属卡。根据官方描述，用户可以在与 Workbuddy 的对话中提交消费请求，并使用支持人工智能的专属卡完成相关支付。这听起来非常有趣：未来，人工智能可以点一杯奶茶、购买服务或订阅工具，整个过程都可以由人工智能自行处理。然而，在实际使用中，我们发现微信的人工智能专属卡尚不支持完全自动化的人工智能消费。更准确的理解是，这是微信支付为人工智能代理开放的支付能力层，但每笔交易仍需用户确认，购买是否能够实际完成取决于代理、技能、第三方平台授权和产品履行流程。本文将从两个问题和一个实际演示开始：微信的人工智能专属卡究竟是什么？它现在能做什么，不能做什么？让我们通过点一杯奶茶来测试一下，看看会遇到多少问题。首先，结论：微信人工智能专属卡并不是一张 “人工智能可以随意刷的卡”。从产品机制的角度来看，微信人工智能专属卡更像是一个与主微信钱包分开的 “小钱包”。用户需要先绑定人工智能专属卡，然后从他们的微信钱包中充值。之后，人工智能代理的相关消费将首先从这个独立余额中扣除，而不是直接使用用户的常规微信钱包资金。简而言之，它解决了三个关键问题：第一，人工智能驱动的消费资金来自哪里？人工智能专属卡有独立余额，使财务边界更加清晰。第二，人工智能消费能否被控制？每笔支付仍需用户扫描二维码并在手机上确认；这不是人工智能的自动扣款。第三，人工智能消费记录如何管理？与常规微信支付分开的人工智能相关支出，使其更易于查看和管理。</p>
</div><h3>II. How to Activate: The entry point is in the Workbuddy conversation</h3>
<div class="lb-trans"><h3>II. 如何激活：入口在 Workbuddy 对话中</h3>
</div><p>WorkBuddy is a desktop office efficiency intelligent agent launched by Tencent, more like an Agent workbench, with an interface similar to CodeX. It can understand the user's goals in the conversation, and then call external capabilities to complete tasks through different &#34;expert&#34; Agents or Skills, such as office processing, information query, local life services, etc.</p>
<div class="lb-trans"><p>WorkBuddy 是腾讯推出的一款桌面办公效率智能助手，更像是一个代理工作台，界面类似于 CodeX。它可以理解用户在对话中的目标，然后通过不同的 “专家” 代理或技能调用外部能力来完成任务，例如办公处理、信息查询、本地生活服务等。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://uploads.panewslab.com/d01d9ce5-f67b-422d-be21-aff7657b5165" alt="" original-src="https://uploads.panewslab.com/d01d9ce5-f67b-422d-be21-aff7657b5165"/></p>
<p>This time, WeChat Pay's AI exclusive card is the first to be integrated with WorkBuddy, which also means that WeChat Pay is not directly open to all AI applications, but rather is first testing the complete link of &#34;AI initiating payment and user confirming deduction&#34; in a relatively controlled Agent scenario.</p>
<div class="lb-trans"><p>这次，微信支付的人工智能专属卡首次与 WorkBuddy 集成，这也意味着微信支付并没有直接向所有人工智能应用开放，而是首先在相对受控的代理场景中测试 “人工智能发起支付和用户确认扣款” 的完整链条。</p>
</div><p>The actual activation process is not complicated: First, ask in the Workbuddy dialog box: &#34;How do I use the WeChat AI Exclusive Payment Card?&#34; The Agent will return a redirect link ⬇️ Second, after clicking the link, you need to scan the QR code with WeChat to bind it. Here's a small detail: the binding link is only valid for 5 minutes; scan the code as soon as possible after generating it. The third step is to read and agree to the relevant agreement, enter your payment password, and then complete the binding. After binding, users can use their original WeChat Wallet to top up their AI-exclusive card. The activation and top-up experience is quite smooth. However, the real problem with AI payment isn't &#34;how to activate the card,&#34; but rather whether AI can actually help users make purchases smoothly after activation. III. Which Scenarios Is It Currently Suitable For? According to Workbuddy's explanation, the AI-exclusive card is mainly aimed at several types of AI consumption scenarios: 1. Purchasing paid content, such as reports, data, and professional analysis services. 2. Calling paid APIs or tools, such as certain online plugins, professional database queries, and pay-per-use tools. 3. Subscribing to or renewing services, such as value-added functions within the platform and membership services. These scenarios have one thing in common: the payment object is relatively standardized, the consumption chain is short, and the fulfillment method is relatively clear. However, unfortunately, so far, we haven't been able to test Workbuddy directly using the AI-exclusive card for payment in these three types of applications. According to Workbuddy, certain built-in payment functions need to be triggered. IV. Real-world test: Asking Workbuddy to order a Heytea for me failed. We tried a very straightforward everyday scenario: asking Workbuddy to order a Heytea for me. The result was that we encountered a limitation right from the start. Workbuddy itself cannot directly complete this type of food delivery or beverage ordering request; it requires calling the corresponding lifestyle service skill.</p>
<div class="lb-trans"><p>实际激活过程并不复杂：首先，在 Workbuddy 对话框中询问：“我如何使用微信人工智能专属支付卡？” 代理将返回一个重定向链接⬇️ 第二，点击链接后，需要用微信扫描二维码进行绑定。这里有一个小细节：绑定链接仅在 5 分钟内有效；生成后请尽快扫描二维码。第三步是阅读并同意相关协议，输入支付密码，然后完成绑定。绑定后，用户可以使用原微信钱包为他们的人工智能专属卡充值。激活和充值体验相当顺畅。然而，人工智能支付的真正问题并不是 “如何激活卡”，而是激活后人工智能是否能够真正帮助用户顺利完成购买。 III. 目前适合哪些场景？根据 Workbuddy 的解释，人工智能专属卡主要针对几种类型的人工智能消费场景：1. 购买付费内容，如报告、数据和专业分析服务。2. 调用付费 API 或工具，如某些在线插件、专业数据库查询和按需付费工具。3. 订阅或续订服务，如平台内的增值功能和会员服务。这些场景有一个共同点：支付对象相对标准化，消费链条较短，履行方式相对明确。然而，不幸的是，到目前为止，我们还无法直接使用人工智能专属卡在这三种类型的应用中测试 Workbuddy 的支付功能。根据 Workbuddy 的说法，某些内置支付功能需要被触发。 IV. 现实测试：请求 Workbuddy 为我订购 Heytea 失败。我们尝试了一个非常简单的日常场景：请求 Workbuddy 为我订购 Heytea。结果是我们从一开始就遇到了限制。Workbuddy 本身无法直接完成这种类型的食品配送或饮料订购请求；它需要调用相应的生活服务技能。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://uploads.panewslab.com/f494ee11-8f95-4b1c-bbc8-c30d1eb9f8cf" alt="" original-src="https://uploads.panewslab.com/f494ee11-8f95-4b1c-bbc8-c30d1eb9f8cf"/></p>
<p>Therefore, referring to the official WeChat demonstration, we selected the &#34;Meituan Life Assistant&#34; Skill.</p>
<div class="lb-trans"><p>因此，参考官方微信演示，我们选择了 “美团生活助手” 技能。</p>
</div><p>This step introduced a new cost issue: simply generating the QR code to log in to the Meituan account consumed 185.37 points. In comparison, Workbuddy awards 150 points for daily login.</p>
<div class="lb-trans"><p>这一步引入了一个新的费用问题：仅仅生成登录美团账户的二维码就消耗了 185.37 积分。相比之下，Workbuddy 每天登录奖励 150 积分。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://img.jinse.com.cn/7479210_image3.png" alt="" original-src="https://img.jinse.com.cn/7479210_image3.png"/></p>
<p>In other words, before even actually placing an order, the login authorization step alone exceeded the daily free points limit.</p>
<div class="lb-trans"><p>换句话说，在实际下单之前，仅登录授权步骤就超过了每日免费积分限制。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://img.jinse.com.cn/7479210_image3.png" alt="" original-src="https://img.jinse.com.cn/7479210_image3.png"/></p>
<p>After completing the account login authorization, we let it order milk tea. When the AI-exclusive card payment link popped up, the experience was indeed very close to &#34;AI buying things for me.&#34; However, after payment, we discovered that Workbuddy had actually purchased not the milk tea we wanted, but a Meituan group-buying coupon that didn't meet our needs. The payment was completed, but the purchase result did not match the user's requirements. V. Reasons for Failure: The Problem Lies Not in Payment, but in the Agent Execution Chain. In fact, this failure cannot be simply attributed to the AI-enabled card being &#34;unusable.&#34; More accurately, the AI-enabled card is responsible for payment capabilities, not complete purchasing capabilities. The real bottleneck is the Agent execution chain. A simple task like &#34;order me a milk tea&#34; involves at least the following steps: identifying user needs, calling a third-party platform, completing account authorization, selecting the correct product, confirming the fulfillment method, initiating payment, user confirmation of payment, and completing subsequent fulfillment... The AI-enabled card only covers the &#34;payment&#34; part. The preceding product identification, platform redirection, account authorization, product matching, and subsequent delivery or verification all heavily rely on the capabilities of the Agent and third-party Skills. So in this experience, the AI ​​did trigger the payment, but it didn't complete the &#34;correct purchase.&#34; This is also a common problem faced by many AI agents: they can call upon tools, but they can't necessarily reliably complete complex real-world tasks. VI. Current Mechanism: Users Still Hold the Final Payment Confirmation Right From a security perspective, the AI-exclusive card doesn't allow the AI ​​to bypass the user and make payments directly. The current mechanism can be roughly summarized as follows: This design is relatively restrained and aligns with the current reality of AI-driven consumption scenarios. If AI could directly and autonomously make payments, the risks would actually be very high: buying the wrong product, placing duplicate orders, accidental subscriptions, and being misled into making purchases would all become real problems. Therefore, the WeChat AI Exclusive Card is currently more like a WeChat mini-wallet with controllable limits, confirmed transactions, and separation from the main account. Finally, if you just want to experience the WeChat AI-exclusive payment card, you can try activating it, but it's recommended to start with low-amount, low-risk, and digital service scenarios. However, please keep the following three points in mind: 1. Top up a small amount first; don't top up too much at once. 2. Carefully read the product name, amount, and payment method before making a payment. 3. Don't assume the AI ​​Agent understands your true needs, especially when it involves specific stores, delivery, group-buying coupons, and packages.</p>
<div class="lb-trans"><p>在完成账户登录授权后，我们让它点了一杯奶茶。当 AI 专属卡支付链接弹出时，体验确实非常接近于 “AI 为我买东西”。然而，在支付后，我们发现 Workbuddy 实际上购买的并不是我们想要的奶茶，而是一个不符合我们需求的美团团购券。支付已完成，但购买结果并未满足用户的要求。六、失败原因：问题不在于支付，而在于代理执行链。实际上，这一失败不能简单归因于 AI 启用的卡 “不可用”。更准确地说，AI 启用的卡负责支付能力，而不是完整的购买能力。真正的瓶颈在于代理执行链。像 “给我点一杯奶茶” 这样简单的任务至少涉及以下几个步骤：识别用户需求、调用第三方平台、完成账户授权、选择正确的产品、确认履行方式、发起支付、用户确认支付，以及完成后续履行……AI 启用的卡仅覆盖了 “支付” 部分。前面的产品识别、平台重定向、账户授权、产品匹配以及后续的交付或验证都严重依赖于代理和第三方技能的能力。因此，在这次体验中，AI 确实触发了支付，但并没有完成 “正确的购买”。这也是许多 AI 代理面临的一个普遍问题：它们可以调用工具，但不一定能可靠地完成复杂的现实任务。六、当前机制：用户仍然持有最终支付确认权。从安全的角度来看，AI 专属卡不允许 AI 绕过用户直接进行支付。当前机制大致可以总结如下：这一设计相对受限，符合当前 AI 驱动消费场景的现实。如果 AI 能够直接自主地进行支付，风险实际上会非常高：买错产品、重复下单、意外订阅以及被误导进行购买都将成为现实问题。因此，微信 AI 专属卡目前更像是一个具有可控限额、确认交易和与主账户分离的微信迷你钱包。最后，如果你只是想体验微信 AI 专属支付卡，可以尝试激活，但建议从低金额、低风险和数字服务场景开始。然而，请记住以下三点：1. 首先充值少量；不要一次性充值太多。2. 在支付前仔细阅读产品名称、金额和支付方式。3. 不要假设 AI 代理理解你的真实需求，特别是当涉及到特定商店、配送、团购券和套餐时。</p>
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WeChat AI Card Real-World Testing Guide: Has the Era of AI Shopping Arrived?

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微信 AI 卡片现实世界测试指南：人工智能购物时代是否已经到来？