Everything indicates that in the coming years we will see how artificial intelligence causes changes of a certain draft in all types of sectors. And within them, even in areas where in principle nobody would bet on it. As purchases assisted by Ia. But not in regard to using systems as support for the purchases made by a human, but in Use tools that, with a series of instructions As a base and starting point, they are in charge of make purchases for who is going to pay. Both Visa as Mastercard They are clear that this will happen and they are already taking steps for it.
Both companies are taking their first steps in the agricultural AI to incorporate artificial intelligence agents capable of buying on representation of consumers, based on a series of preferences previously selected by users, and of course with authorization from them, and within certain limits.
Intelligent Commerce, Smart Purchases for Visa
Visa, in a statement, has confirmed that this step is always counting that each consumer will establish the limits for this type of operations, and «Visa helps manage the rest«. The company is collaborating with several technological giants and companies for the development of purchase experiences promoted by AI, as stated by those responsible, «more personal, safe and comfortable«. Among these companies with which Visa is working are Anthropic, IBM, Microsoft, Mistral AI, Openai, Perplexity, Samsung and Stripe.
To enable online purchases with these technologies, the company has presented Visa Intelligent Commercewhich allows AI to discover products and Buy them, according to consumer preferences and adjustments. In addition, through this VISA function will offer several integrated APIDs, as well as a commercial program of partners to AI platforms. Thus, developers can deploy electronic commerce capabilities with the company’s company, and safely.
Intelligent Commerce visa offers cards ready for AI, which replace the details of cards with tokenized digital credentials. Thus they improve security for consumers, and simplifies the payment process for developers. They are responsible for confirming that the agent who has chosen a consumer is authorized to act in his name, and takes the verification of identity to electronic commerce with AI. Only the consumer can instructions the agent on what to do and when to activate a payment credential.
In addition, it offers customization, also with Ia. Consumers share basic information about expenses and purchases with visa with their consent, to improve agents and customize purchase recommendations.
Its safe payment system allows consumers to set spending limits, and conditions, easily. In this way they can transmit clear rules on transactions to agents. Purchase signals are shared in real time with visa, which allows the company to launch transaction controls, as well as the resolution of operations disputes.
Jack Forrestell, Product Manager and Visa Strategyhe points out that «Some people will have ia agents to sail, buy and manage for them. These agents will necessarily have to be trustworthy in those related to payments. Not only for users, but also for banks and vendors«.
Agent pay, purchases with the agricultural of Mastercard
This step has occurred immediately after Mastercard confirmed that they worked to give the agents of AI the ability to buy online on behalf of consumers, through a payment program with agents, which they have called Agent Pay.
With agent pay, Mastercard will offer a system «that improves conversations with generative for individuals and companies » integrating payments into personalized recommendations. This system will also take information that has already been provided on conversational platforms.
The program offers agricultural tokens, which are based on proven tokenization functions that are already present in global trade solutions, such as contact payments, safe file cards and Mastercard’s agricultural passkeys. Also in scheduled payments, such as subscriptions and recurring expenses.
For banks, tokenized payment credentials will be integrated without friction on agricultural trade platforms. Mastercard Agent Pay will be responsible for ensuring that the payments that are made within the platforms with AI are safe and transparent at all stages of the transaction.
As confirmed from Mastercard, with this step, for example, someone who will go to a party, «You can, with an AI agent, generate a selection of clothing and accessories of local shops and online sellers based on your style, the atmosphere of the place where the party is held and even in weather forecasts. Based on their preferences and comments, the intelligent agent can make the purchase, and even recommend the best way to make payments«.
The company has also confirmed that it will work with Microsoft jointly in new cases that allow climbing what they have called “agricultural trade.” On the other hand, they will also collaborate with IBM, Braintree and Checkout.com in other B2B aspects related to e -commerce promoted by AI.
Lambert Day, Responsible for Mastlecard producthas assured that «The launch of Mastercard Agent Pay marks our first steps in the redefinition of trade in the AI era. Including new interfaces to distinguish the agents of trust from harmful actors who use agtent technology. With the recognition of the seismic implications of this evolution, we are open to collaborate with actors in the sector to advance the standards for agricultural payments, such as applying the context protocol model to safe remote trade. This feels the basis for climbing, and develops confidence in the agricultural trade«.
