Amex introduces framework to verify AI agent purchases
TechCrunch: Amex introduces a framework to prevent AI agents from making unauthorized purchases
American Express is introducing a new framework designed to ensure AI agents only make purchases their users have authorized, potentially preventing costly mistakes and disputes as AI-powered shopping grows.
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Personal AI agents are increasingly making purchases on behalf of users, but large language models can malfunction and complete unauthorized transactions. American Express has introduced the "Intent Intelligence Framework," which captures and authenticates a customer's purchase instructions before an AI agent completes a transaction, ensuring the purchase aligns with what the customer authorized. The framework works by collecting the customer's purchase instructions and constraints through an API, having the customer authenticate and sign off on the intent, then creating a unique token that the agent uses at checkout instead of the customer's actual credit card number. This approach helps prevent mistakes before they occur, such as an agent purchasing from the wrong merchant, and could also support fraud prevention and dispute resolution as agentic commerce scales.
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