发行方主导的智能体支付
Issuer-Sovereign Agentic Payments
中文总结 AI 辅助
本文提出发行方主导的智能体支付方法，通过银行认证组件记录持卡人批准的消费规则，在支付时按规则验证商户并生成卡认证值，使发卡行保留控制权且不引入额外依赖。
中文摘要 AI 辅助
AI智能体开始进行真实支付。当前的方法让智能体通过依赖凭证提供者进行支付，而在如今部署的方案中，该提供者通常位于持卡人的银行之外。消费规则随后由卡网络或该提供者执行，而非由银行本身执行。这使得承担金融风险的发卡行在支付发生时几乎没有直接控制权。本文描述了发行方主导的智能体支付（Issuer-Sovereign Agentic Payments），一种将控制权保留在发行方手中的方法。持卡人一次性批准消费规则，银行自身的认证组件记录该规则。之后，当智能体向特定商户支付时，银行根据已批准的规则检查该商户，并且仅当商户被允许时才生成卡认证值。支付随后通过常规卡通道传输，并由发行方验证，在执行时不引入额外依赖。
英文摘要
AI agents are beginning to make real payments. Current approaches let an agent pay by relying on a credential provider that, in the approaches deployed today, typically sits outside the cardholder's bank. The spending rules are then enforced by the card network or that provider, and not by the bank itself. This leaves the issuing bank, which carries the financial risk, with little direct control at the moment a payment happens. This paper describes Issuer-Sovereign Agentic Payments, a method that keeps that control with the issuer. The cardholder approves a spending rule once, and the bank's own authentication component records it. Later, when the agent pays a specific merchant, the bank checks the merchant against the approved rule and generates the card authentication value only if the merchant is allowed. The payment then travels the normal card rails and is validated by the issuer, with no extra dependency introduced at execution.
