<p>6 月 17 日，微信正式宣佈推出支持人工智能的微信支付專屬卡。根據官方描述，用户可以在與 Workbuddy 的對話中提交消費請求，並使用支持人工智能的專屬卡完成相關支付。這聽起來非常有趣：未來，人工智能可以點一杯奶茶、購買服務或訂閲工具，整個過程都可以由人工智能自行處理。然而，在實際使用中，我們發現微信的人工智能專屬卡尚不支持完全自動化的人工智能消費。更準確的理解是，這是微信支付為人工智能代理開放的支付能力層，但每筆交易仍需用户確認，購買是否能夠實際完成取決於代理、技能、第三方平台授權和產品履行流程。本文將從兩個問題和一個實際演示開始：微信的人工智能專屬卡究竟是什麼？它現在能做什麼，不能做什麼？讓我們通過點一杯奶茶來測試一下，看看會遇到多少問題。首先，結論：微信人工智能專屬卡並不是一張 “人工智能可以隨意刷的卡”。從產品機制的角度來看，微信人工智能專屬卡更像是一個與主微信錢包分開的 “小錢包”。用户需要先綁定人工智能專屬卡，然後從他們的微信錢包中充值。之後，人工智能代理的相關消費將首先從這個獨立餘額中扣除，而不是直接使用用户的常規微信錢包資金。簡而言之，它解決了三個關鍵問題：第一，人工智能驅動的消費資金來自哪裏？人工智能專屬卡有獨立餘額，使財務邊界更加清晰。第二，人工智能消費能否被控制？每筆支付仍需用户掃描二維碼並在手機上確認；這不是人工智能的自動扣款。第三，人工智能消費記錄如何管理？與常規微信支付分開的人工智能相關支出，使其更易於查看和管理。</p>
<h3>II. 如何激活：入口在 Workbuddy 對話中</h3>
<p>WorkBuddy 是騰訊推出的一款桌面辦公效率智能助手，更像是一個代理工作台，界面類似於 CodeX。它可以理解用户在對話中的目標，然後通過不同的 “專家” 代理或技能調用外部能力來完成任務，例如辦公處理、信息查詢、本地生活服務等。</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>這次，微信支付的人工智能專屬卡首次與 WorkBuddy 集成，這也意味着微信支付並沒有直接向所有人工智能應用開放，而是首先在相對受控的代理場景中測試 “人工智能發起支付和用户確認扣款” 的完整鏈條。</p>
<p>實際激活過程並不複雜：首先，在 Workbuddy 對話框中詢問：“我如何使用微信人工智能專屬支付卡？” 代理將返回一個重定向鏈接⬇️ 第二，點擊鏈接後，需要用微信掃描二維碼進行綁定。這裏有一個小細節：綁定鏈接僅在 5 分鐘內有效；生成後請儘快掃描二維碼。第三步是閲讀並同意相關協議，輸入支付密碼，然後完成綁定。綁定後，用户可以使用原微信錢包為他們的人工智能專屬卡充值。激活和充值體驗相當順暢。然而，人工智能支付的真正問題並不是 “如何激活卡”，而是激活後人工智能是否能夠真正幫助用户順利完成購買。 III. 目前適合哪些場景？根據 Workbuddy 的解釋，人工智能專屬卡主要針對幾種類型的人工智能消費場景：1. 購買付費內容，如報告、數據和專業分析服務。2. 調用付費 API 或工具，如某些在線插件、專業數據庫查詢和按需付費工具。3. 訂閲或續訂服務，如平台內的增值功能和會員服務。這些場景有一個共同點：支付對象相對標準化，消費鏈條較短，履行方式相對明確。然而，不幸的是，到目前為止，我們還無法直接使用人工智能專屬卡在這三種類型的應用中測試 Workbuddy 的支付功能。根據 Workbuddy 的説法，某些內置支付功能需要被觸發。 IV. 現實測試：請求 Workbuddy 為我訂購 Heytea 失敗。我們嘗試了一個非常簡單的日常場景：請求 Workbuddy 為我訂購 Heytea。結果是我們從一開始就遇到了限制。Workbuddy 本身無法直接完成這種類型的食品配送或飲料訂購請求；它需要調用相應的生活服務技能。</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，參考官方微信演示，我們選擇了 “美團生活助手” 技能。</p>
<p>這一步引入了一個新的費用問題：僅僅生成登錄美團賬户的二維碼就消耗了 185.37 積分。相比之下，Workbuddy 每天登錄獎勵 150 積分。</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>換句話説，在實際下單之前，僅登錄授權步驟就超過了每日免費積分限制。</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>在完成賬户登錄授權後，我們讓它點了一杯奶茶。當 AI 專屬卡支付鏈接彈出時，體驗確實非常接近於 “AI 為我買東西”。然而，在支付後，我們發現 Workbuddy 實際上購買的並不是我們想要的奶茶，而是一個不符合我們需求的美團團購券。支付已完成，但購買結果並未滿足用户的要求。六、失敗原因：問題不在於支付，而在於代理執行鏈。實際上，這一失敗不能簡單歸因於 AI 啓用的卡 “不可用”。更準確地説，AI 啓用的卡負責支付能力，而不是完整的購買能力。真正的瓶頸在於代理執行鏈。像 “給我點一杯奶茶” 這樣簡單的任務至少涉及以下幾個步驟：識別用户需求、調用第三方平台、完成賬户授權、選擇正確的產品、確認履行方式、發起支付、用户確認支付，以及完成後續履行……AI 啓用的卡僅覆蓋了 “支付” 部分。前面的產品識別、平台重定向、賬户授權、產品匹配以及後續的交付或驗證都嚴重依賴於代理和第三方技能的能力。因此，在這次體驗中，AI 確實觸發了支付，但並沒有完成 “正確的購買”。這也是許多 AI 代理面臨的一個普遍問題：它們可以調用工具，但不一定能可靠地完成複雜的現實任務。六、當前機制：用户仍然持有最終支付確認權。從安全的角度來看，AI 專屬卡不允許 AI 繞過用户直接進行支付。當前機制大致可以總結如下：這一設計相對受限，符合當前 AI 驅動消費場景的現實。如果 AI 能夠直接自主地進行支付，風險實際上會非常高：買錯產品、重複下單、意外訂閲以及被誤導進行購買都將成為現實問題。因此，微信 AI 專屬卡目前更像是一個具有可控限額、確認交易和與主賬户分離的微信迷你錢包。最後，如果你只是想體驗微信 AI 專屬支付卡，可以嘗試激活，但建議從低金額、低風險和數字服務場景開始。然而，請記住以下三點：1. 首先充值少量；不要一次性充值太多。2. 在支付前仔細閲讀產品名稱、金額和支付方式。3. 不要假設 AI 代理理解你的真實需求，特別是當涉及到特定商店、配送、團購券和套餐時。</p>

<p>微信推出了支持人工智能的微信支付專屬卡，允許用户通過 WorkBuddy 為 AI 代理交易提供獨立餘額。然而，現實測試顯示該功能並不支持完全自動化支付；每筆交易仍需用户確認。該功能目前主要針對標準化場景，如付費內容和 API，而日常任務如訂購奶茶由於履行限制而顯得困難</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，微信正式宣佈推出支持人工智能的微信支付專屬卡。根據官方描述，用户可以在與 Workbuddy 的對話中提交消費請求，並使用支持人工智能的專屬卡完成相關支付。這聽起來非常有趣：未來，人工智能可以點一杯奶茶、購買服務或訂閲工具，整個過程都可以由人工智能自行處理。然而，在實際使用中，我們發現微信的人工智能專屬卡尚不支持完全自動化的人工智能消費。更準確的理解是，這是微信支付為人工智能代理開放的支付能力層，但每筆交易仍需用户確認，購買是否能夠實際完成取決於代理、技能、第三方平台授權和產品履行流程。本文將從兩個問題和一個實際演示開始：微信的人工智能專屬卡究竟是什麼？它現在能做什麼，不能做什麼？讓我們通過點一杯奶茶來測試一下，看看會遇到多少問題。首先，結論：微信人工智能專屬卡並不是一張 “人工智能可以隨意刷的卡”。從產品機制的角度來看，微信人工智能專屬卡更像是一個與主微信錢包分開的 “小錢包”。用户需要先綁定人工智能專屬卡，然後從他們的微信錢包中充值。之後，人工智能代理的相關消費將首先從這個獨立餘額中扣除，而不是直接使用用户的常規微信錢包資金。簡而言之，它解決了三個關鍵問題：第一，人工智能驅動的消費資金來自哪裏？人工智能專屬卡有獨立餘額，使財務邊界更加清晰。第二，人工智能消費能否被控制？每筆支付仍需用户掃描二維碼並在手機上確認；這不是人工智能的自動扣款。第三，人工智能消費記錄如何管理？與常規微信支付分開的人工智能相關支出，使其更易於查看和管理。</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 對話中</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 是騰訊推出的一款桌面辦公效率智能助手，更像是一個代理工作台，界面類似於 CodeX。它可以理解用户在對話中的目標，然後通過不同的 “專家” 代理或技能調用外部能力來完成任務，例如辦公處理、信息查詢、本地生活服務等。</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>這次，微信支付的人工智能專屬卡首次與 WorkBuddy 集成，這也意味着微信支付並沒有直接向所有人工智能應用開放，而是首先在相對受控的代理場景中測試 “人工智能發起支付和用户確認扣款” 的完整鏈條。</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>實際激活過程並不複雜：首先，在 Workbuddy 對話框中詢問：“我如何使用微信人工智能專屬支付卡？” 代理將返回一個重定向鏈接⬇️ 第二，點擊鏈接後，需要用微信掃描二維碼進行綁定。這裏有一個小細節：綁定鏈接僅在 5 分鐘內有效；生成後請儘快掃描二維碼。第三步是閲讀並同意相關協議，輸入支付密碼，然後完成綁定。綁定後，用户可以使用原微信錢包為他們的人工智能專屬卡充值。激活和充值體驗相當順暢。然而，人工智能支付的真正問題並不是 “如何激活卡”，而是激活後人工智能是否能夠真正幫助用户順利完成購買。 III. 目前適合哪些場景？根據 Workbuddy 的解釋，人工智能專屬卡主要針對幾種類型的人工智能消費場景：1. 購買付費內容，如報告、數據和專業分析服務。2. 調用付費 API 或工具，如某些在線插件、專業數據庫查詢和按需付費工具。3. 訂閲或續訂服務，如平台內的增值功能和會員服務。這些場景有一個共同點：支付對象相對標準化，消費鏈條較短，履行方式相對明確。然而，不幸的是，到目前為止，我們還無法直接使用人工智能專屬卡在這三種類型的應用中測試 Workbuddy 的支付功能。根據 Workbuddy 的説法，某些內置支付功能需要被觸發。 IV. 現實測試：請求 Workbuddy 為我訂購 Heytea 失敗。我們嘗試了一個非常簡單的日常場景：請求 Workbuddy 為我訂購 Heytea。結果是我們從一開始就遇到了限制。Workbuddy 本身無法直接完成這種類型的食品配送或飲料訂購請求；它需要調用相應的生活服務技能。</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，參考官方微信演示，我們選擇了 “美團生活助手” 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>這一步引入了一個新的費用問題：僅僅生成登錄美團賬户的二維碼就消耗了 185.37 積分。相比之下，Workbuddy 每天登錄獎勵 150 積分。</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>換句話説，在實際下單之前，僅登錄授權步驟就超過了每日免費積分限制。</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>在完成賬户登錄授權後，我們讓它點了一杯奶茶。當 AI 專屬卡支付鏈接彈出時，體驗確實非常接近於 “AI 為我買東西”。然而，在支付後，我們發現 Workbuddy 實際上購買的並不是我們想要的奶茶，而是一個不符合我們需求的美團團購券。支付已完成，但購買結果並未滿足用户的要求。六、失敗原因：問題不在於支付，而在於代理執行鏈。實際上，這一失敗不能簡單歸因於 AI 啓用的卡 “不可用”。更準確地説，AI 啓用的卡負責支付能力，而不是完整的購買能力。真正的瓶頸在於代理執行鏈。像 “給我點一杯奶茶” 這樣簡單的任務至少涉及以下幾個步驟：識別用户需求、調用第三方平台、完成賬户授權、選擇正確的產品、確認履行方式、發起支付、用户確認支付，以及完成後續履行……AI 啓用的卡僅覆蓋了 “支付” 部分。前面的產品識別、平台重定向、賬户授權、產品匹配以及後續的交付或驗證都嚴重依賴於代理和第三方技能的能力。因此，在這次體驗中，AI 確實觸發了支付，但並沒有完成 “正確的購買”。這也是許多 AI 代理面臨的一個普遍問題：它們可以調用工具，但不一定能可靠地完成複雜的現實任務。六、當前機制：用户仍然持有最終支付確認權。從安全的角度來看，AI 專屬卡不允許 AI 繞過用户直接進行支付。當前機制大致可以總結如下：這一設計相對受限，符合當前 AI 驅動消費場景的現實。如果 AI 能夠直接自主地進行支付，風險實際上會非常高：買錯產品、重複下單、意外訂閲以及被誤導進行購買都將成為現實問題。因此，微信 AI 專屬卡目前更像是一個具有可控限額、確認交易和與主賬户分離的微信迷你錢包。最後，如果你只是想體驗微信 AI 專屬支付卡，可以嘗試激活，但建議從低金額、低風險和數字服務場景開始。然而，請記住以下三點：1. 首先充值少量；不要一次性充值太多。2. 在支付前仔細閲讀產品名稱、金額和支付方式。3. 不要假設 AI 代理理解你的真實需求，特別是當涉及到特定商店、配送、團購券和套餐時。</p>
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