Amex launches framework to authenticate AI agent purchases

American Express has introduced its Intent Intelligence Framework to prevent AI agents from making unauthorized purchases on behalf of customers. The system uses a Create Intent API to capture a customer's purchase instructions and constraints, which the customer then authenticates. This generates an Intent ID and a Proof of Intent Token, used to obtain a secure digital payment credential instead of the actual card number. The framework allows Amex to block transactions that deviate from the customer's stated intent, and can also support fraud prevention and dispute resolution throughout the transaction lifecycle.