American Express launches Intent Intelligence Framework for AI agent purchases
American Express announced an "Intent Intelligence Framework" aimed at capturing and authenticating a customer’s purchase intent before an AI agent completes a transaction. The framework, described by Amex VP of Agentic Partnerships and Strategy Hannah Bozian, adds a Create Intent API that records constraints such as merchant name, budget and product preferences, then requires the user to…
Key points
- Amex’s Intent Intelligence Framework adds a Create Intent API to capture purchase constraints and require user authentication.
- The system generates an Intent ID and token that replace the card number at checkout, enhancing security.
- 66% of U.S. consumers are likely to use AI agents for price research and 61% for recommendations, per Amex Trendex.
Amex introduced the framework after its April launch of the ACE Developer Toolkit and says it has not yet seen an increase in disputes from agentic commerce. In its Trendex report, 66% of U.S. consumers said they are likely to use AI agents for price research and 61% for product recommendations within the next year. Bozian noted the system can block mismatched orders—such as a request for Nike shoes that the agent tries to buy from Adidas—helping mitigate fraud before it occurs.
Amex introduces a framework to prevent AI agents from making unauthorized purchases
TechCrunch AI · 13 October 2026
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