美国运通推出意图认证框架防止AI代理未授权交易

美国运通推出意图认证框架（Intent Intelligence Framework），用于防止AI代理在未获授权的情况下进行交易1。该框架通过在交易流程早期捕获和验证客户购买意图，创建唯一识别符和授权令牌，确保AI代理的行为与客户指示一致1。框架包含Create Intent API、Intent ID和Proof of Intent Token三个关键组件1。

美国运通计划将此框架作为AI交易的行业标准，并已与支付生态系统合作伙伴进行讨论1。美国运通代理合作与战略副总裁Hannah Bozian将在10月13日TechCrunch Disrupt 2026的Industry Stage上讨论该框架1。此前，美国运通于4月推出了Agentic Commerce Experiences（ACE）开发者工具包1。

根据数据，66%的美国消费者表示可能会使用AI代理研究最优价格，61%表示可能在12个月内使用AI获取产品或服务推荐1。

American Express has introduced the Intent Intelligence Framework, designed to prevent unauthorized purchases by AI agents acting on behalf of customers 1. The framework operates by capturing and validating customer purchase intent early in the transaction process, then generating unique identifiers and authorization tokens to ensure AI agent behavior aligns with customer instructions 1.

The initiative reflects growing consumer interest in AI-assisted shopping. According to American Express data, 66 percent of U.S. consumers indicate they would likely use AI agents to research optimal prices, while 61 percent say they may use AI to obtain product or service recommendations within the next 12 months 1. The framework comprises three core components: the Create Intent API, Intent ID, and Proof of Intent Token 1.

American Express positions this framework as a potential industry standard for AI transactions and has begun discussions with payment ecosystem partners 1. The company previously released the Agentic Commerce Experiences (ACE) developer toolkit in April 1. Hannah Bozian, Vice President of Agent Partnerships and Strategy at American Express, will discuss the framework at the Industry Stage of TechCrunch Disrupt 2026 on October 13 1.