Abstract
The present disclosure relates to systems and methods for controlling payment data sharing and approval with a personal AI agent in a payment system. The system includes a payment card that incorporates a sharing controller to hold a binary value determining whether to allow or prevent the sharing of payment transaction data with the personal AI agent. The payment terminal is configured to read this binary value, and the payment service provider or payment gateway processes the transaction based on the retrieved data. Further, the methods involve configuring financial preferences with the AI agent, sharing payment transaction data during a transaction, and evaluating these data against said preferences to provide a binary approval result that directs the transaction's further processing.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Visa and Visa, "A Payment Data Sharing Control System with a Personal AI Agent in Retail Transactions", Technical Disclosure Commons, ()
https://www.tdcommons.org/dpubs_series/8586