Amex unveils Intent Intelligence Framework to curb unauthorized AI agent purchases

Key points

• American Express introduced the Intent Intelligence Framework to capture and authenticate a customer's purchase intent before an AI agent completes a transaction.
• A Create Intent API records instructions and constraints like merchant, maximum budget, and product preferences; the customer authenticates and approves them.
• Agents pay with a secure digital credential instead of the card number, tied to a Proof of Intent Token, and Intent IDs can aid fraud and disputes.
• Amex hopes the framework becomes an industry standard and builds on its April ACE Developer Toolkit; Amex says it has not yet seen agentic disputes rise.

Why it matters for marketers: Marketers and content teams running agent-driven shopping flows may need to plan for intent verification and authenticated checkout steps before purchases complete.