内容来源：https://aibusiness.com/generative-ai/safeguards-launched-for-ai-shopping-agents

内容总结：

为应对人工智能代理在电子商务中广泛应用带来的欺诈风险，支付技术公司Worldpay与数字身份平台Trulioo联合推出名为"了解你的代理"（KYA）的安全验证框架。该体系通过Trulioo开发的"数字代理护照"技术，为合规AI代理提供防篡改数字凭证，使商户能准确识别经过认证的AI代理、未知代理及恶意程序。

Worldpay首席产品官辛迪·特纳表示，新系统通过在交易前验证AI代理身份与授权权限，有效解决"消费者担心AI擅自交易，商户难以验证机器买家"的双重难题。该系统采用智能分级管控策略：已验证代理可获得访问权限，未知代理将受限，恶意程序则被直接拦截。

合作双方强调，该框架不仅提供开发者资质与消费者意图的结构化验证指南，更能帮助电商平台降低欺诈风险，推动人工智能在商业领域实现负责任规模化应用。Trulioo首席执行官维基·宾德拉指出："唯有建立初始即嵌入信任的机制，智能代理商务才能真正释放发展潜力。"

中文翻译：

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全新框架引入防篡改数字凭证，可验证AI代理身份并减少欺诈事件
支付技术公司Worldpay宣布与数字身份平台Trulioo合作，为AI驱动型商业活动建立新型防护机制。
此项举措旨在应对AI代理在网购和支付任务中日益广泛的应用——这种趋势使得消费者和企业都面临更高的欺诈或网络攻击风险。
合作方表示，新系统通过确保交易安全透明、符合"持续演进的监管要求"来应对此类威胁。
"我们通过解决商户面临的核心问题：区分可信AI代理与恶意行为者，将信任直接嵌入代理式商业的基石。"Worldpay首席产品官辛迪·特纳向《AI商业》表示。
该合作的核心是由Trulioo数字代理护照技术驱动的"了解你的代理"（KYA）框架。
这种防篡改数字凭证使商户能验证AI代理的合法性及用户授权状态。
该框架还提供结构化指南，用于验证代理开发者和消费者意图，为整个交易流程提供统一的验证方法。
系统并非默认拦截所有AI代理，而是采用智能访问控制：已验证代理可获通行权限，未知代理将面临障碍，恶意程序则被直接拦截。
"AI代理的主要风险在于欺诈，"特纳指出，"消费者需要确保AI代理不会'失控'进行未授权交易。同时商户也面临新挑战：当购买方是机器而非人类时，如何证明交易已获授权。"
"我们与Trulioo的合作通过在交易处理前验证代理身份与权限，直面这些风险。"
合作双方表示，这一发展将帮助商户和平台减少欺诈，实现更智能的代理检测，并推动电子商务领域负责任的AI规模化应用。
"代理式商业具有巨大潜力，但唯有从初始就构建信任机制才能实现规模化，"Trulioo首席执行官维姬·宾德拉表示，"我们与Worldpay共同为更安全、可追溯的数字生态系统奠定基础，让AI代理能够透明运作，同时保障消费者的控制权。"

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英文来源：

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New framework introduces tamper-proof digital credentials to validate AI agents and reduce instances of fraud
Payment tech company Worldpay has announced a partnership with digital identity platform Trulioo to launch new safeguards for AI-powered commerce.
The launch responds to a rising use of AI agents for online shopping and payment tasks, making customers and businesses alike increasingly vulnerable to fraud or cyberattacks.
To address this threat, the partners said the new system is designed to ensure these transactions remain secure and transparent, and that they meet “evolving regulatory requirements.”
“We’re embedding trust directly into the foundation of agentic commerce by solving the core problem merchants face: distinguishing between a trusted AI agent from a bad actor,” Worldpay Chief Product Officer Cindy Turner told AI Business.
At the heart of the collaboration is a framework called Know Your Agent (KYA), powered by Trulioo’s Digital Agent Passport.
This “tamper-proof” digital credential allows merchants to verify whether an AI agent is legitimate and acting with user consent.
The framework also offers structured guidelines to verify an agent’s developer, as well as consumer intent, to provide a consistent method of verification throughout a transaction.
Rather than blocking AI agents by default, the system introduces smart access controls: verified agents are allowed access, unknown agents face obstacles, and malicious bots are stopped.
“The primary risk of an AI agent is fraud,” Turner said. “Consumers want to ensure an AI agent isn’t 'going rogue' and making unauthorized purchases. At the same time, merchants face the new challenge of proving a transaction is authorized when the buyer is a machine, not a person.”
“Our partnership with Trulioo tackles these risks head on by verifying the agent's identity and authority before a transaction is even processed.”
The partners say the development will help merchants and platforms cut down on fraud, allow smarter agent detection, and enable responsible AI scale-up in the e-commerce space.
“Agentic commerce has significant potential, but it can only scale with trust built in from the start,” said Trulioo CEO Vicky Bindra. “With Worldpay, we’re laying the foundation for a more secure and accountable digital ecosystem, one where AI agents can operate transparently, and consumers stay in control.”
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