AI news ·
American Express introduces intent checks for AI-agent purchases
AmEx proposes a system where AI agents make payments using pre-approved limits and tokens, without ever seeing your actual card details.
American Express has detailed a framework that records customer-defined constraints and generates proof-of-intent tokens before an AI agent executes a payment. The design establishes a control pattern for agentic commerce built on three elements: an explicit scope of authority, verified identity, and payment credentials that remain hidden from the agent itself.
The approach addresses a structural challenge in automated transactions by separating the instruction to pay from access to sensitive account details. The agent operates within pre-set boundaries, and the token serves as a verifiable record that the intended purchase aligns with the customer's stated parameters before funds move.
Source: https://dailyaibrief.com