Fiserv和Mastercard扩大了合作关系，以支持代理商务，因为支付公司正在努力确定人工智能系统如何代表消费者安全地发起和完成交易。
根据该协议，Fiserv 将把万事达卡的代理支付受理框架集成到其商户受理基础设施中，从而能够通过现有的卡网络通道对人工智能发起的购买进行身份验证、令牌化和结算。目前，自主代理正开始从实验阶段过渡到实际的商业环境中。
这一公告反映出支付处理商和支付网络正日益努力地将原本为人机交互而设计的支付系统，改造为以软件越来越多地执行交易为核心的模式。尽管代理驱动型商业仍处于起步阶段，但 Fiserv 和 Mastercard 正将其基础设施定位为控制层，以决定这些交易如何以及在何种条件下发生。
将人工智能代理引入现有支付堆栈
此次合作的核心是万事达卡的代理支付受理框架，这是一套技术和治理标准，旨在允许人工智能代理在现有的卡支付系统中进行交易。该框架结合了网络令牌化、身份验证和欺诈控制，可在不泄露敏感卡凭证的情况下验证人工智能发起的交易。
Fiserv 将集成 Mastercard 的 Secure Card on File 技术，并作为商户的网络令牌请求方。令牌化技术使用网络发行的令牌替换卡号，从而在处理交易的同时降低存储或传输原始支付数据所带来的风险。在智能商务环境中，令牌化技术使人工智能系统能够在无需直接访问底层凭证的情况下执行购买操作。
该框架还包含身份验证机制，旨在区分授权的AI代理和恶意自动化程序。该系统并非仅仅依赖密码或一次性代码等以人为中心的信号，而是评估AI代理是否已获准代表用户执行操作，以及交易是否符合预定义的参数。
Fiserv 表示，此次集成使商家无需构建自定义逻辑来管理 AI 行为，即可接受代理发起的交易。AI 代理发起的交易将遵循商家目前使用的相同授权、结算和对账流程，包括 Fiserv Clover POS 和电子商务平台中嵌入的流程。
“Fiserv 和 Mastercard 正在携手合作，为安全、智能和可互操作的代理商务体验奠定基础，” Fiserv 高级副总裁兼全球商户解决方案首席产品官Sanjay Saraf在公司公告中表示。
万事达卡表示，该框架旨在随着交易发起方从人转向机器，维护网络层面的控制。万事达卡美国业务联席总裁 Chiro Aikat 表示，该方案旨在减少摩擦，同时维护商户和消费者之间的信任。
处理器和网络正着手定义智能体标准
Fiserv与万事达卡的合作，与支付行业的其他类似举措相呼应，各公司都在试图抢在大型技术平台或市场独立制定标准之前，共同为人工智能驱动的商业活动制定标准。PYMNTS此前报道称，Fiserv还与Visa合作，支持Visa的可信代理协议（Trusted Agent Protocol），这表明其战略是支持跨多个卡组织的代理商业活动，而不是支持单一的专有框架。
Visa的“可信代理协议”侧重于在结账前验证代理的身份和行为，并设有相应的控制措施，以确保在风险较高的交易中始终有人工参与。Visa和万事达卡的这些举措共同表明，随着人工智能系统越来越多地代表消费者行事，卡组织正努力保持其在授权和信任方面的核心地位。
Fiserv 和 Mastercard 没有透露大规模商户推广的时间表，也没有透露与代理商发起的支付相关的预期交易量。
Fiserv 的规模使其在塑造这些标准的实施方式方面拥有强大的影响力。该公司处理着美国相当大比例的借记卡和信用卡交易，并为全球金融机构和零售商提供商户收单、核心银行和支付技术。这种广泛的覆盖范围使其能够将代理商务功能直接嵌入到广泛使用的受理基础设施中，而无需依赖独立的集成方案。
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