Card Networks in Agentic Commerce

Scoped agentic tokens reuse existing authorize, tokenize, and clear rails

Card Networks in Agentic Commerce Scoped agentic tokens reuse existing authorize, tokenize, and clear rails Card-network rails (authenticate / authorize / tokenize) Consumer · authorizes one agent · Architecture component · delegation Consumer authorizes one agent delegation Network Token Service · mints scoped agentic token · Card-network rails (authenticate / authorize / tokenize) · agent + limits Network Token Service mints scoped agentic token agent + limits AI Agent · shops and initiates pay · Architecture component AI Agent shops and initiates pay Merchant · accepts agentic checkout · Architecture component Merchant accepts agentic checkout Payment Network · authorize, tokenize, monitor · Card-network rails (authenticate / authorize / tokenize) · existing rails Payment Network authorize, tokenize, monitor existing rails Issuer Bank · approves and clears · Architecture component Issuer Bank approves and clears authorize agent scoped agentic token agent-initiated purchase present token authorize + clear Legend Frontend Security Backend External

Delegation

  • • Consumer authorizes a specific agent
  • • No raw PAN ever handed to the agent

Scoped agentic token

  • • Bound to (agent, user, limits)
  • • Carries proof of delegated authorization

Reused rails

  • • Tokenization and authorization
  • • Real-time monitoring and clearing

Risk

  • • Credential-hijack pressure on agents
  • • Scope and limits contain blast radius

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