New patent strengthens the company’s technology for connecting AI-driven intent, authorization and secure financial execution

Authvia has received U.S. Patent No. 12,711,476, “Conversational Payment Transactions,” expanding its intellectual property portfolio around technology designed to connect digital and AI-driven interactions with authorized financial transactions.

The patent comes as AI systems increasingly move beyond providing information to taking actions on behalf of consumers and businesses. In this environment, determining whether an action is actually authorized becomes an important part of completing a transaction.

Authvia’s technology is designed to connect consumer intent with verified authority, security controls and financial execution before money moves.

Connecting AI Intent With Transaction Authorization

AI systems can identify bills, recommend payment methods, respond to requests or initiate purchases. However, the ability to initiate an action does not necessarily establish that the action is authorized.

Authvia’s platform is designed to provide an authorization layer between digital interactions and financial execution. It brings together identity, conversational context, tokenized payment credentials, authorization, policy controls, payment orchestration and transaction records.

“AI can create intent, make recommendations and initiate action—but intent is not authorization,” said Chris Brunner, founder and CEO of Authvia. “Commerce requires trusted infrastructure that connects identity, authority, context and financial execution.”

Patent Covers Conversational Payment Workflows

U.S. Patent No. 12,711,476 covers technology for managing financial transactions through conversational interactions.

The patented system can receive transaction information, communicate the transaction to a consumer, interpret authorization within the conversational context, associate that authorization with the appropriate transaction, initiate payment and update the transaction record.

The approach is designed for commerce environments where transactions can take place within messaging, voice or software-based interactions rather than through a traditional checkout experience.

As AI agents become more involved in commercial activity, the technology can also support situations in which authority is delegated to an AI system under predefined permissions and policies.

Supporting Agentic Commerce

The development reflects the broader shift toward agentic commerce, where AI systems may increasingly participate in purchasing, payment and other commercial decisions.

For these interactions, businesses and financial institutions need mechanisms to establish who or what is acting, what authority has been granted and whether the transaction satisfies applicable security, policy and compliance requirements.

Authvia said its technology is intended to create a checkpoint between an AI-driven decision and the execution of a financial transaction, helping establish a clear source of authority and an auditable record of the resulting action.

“AI will dramatically expand the number of commercial decisions initiated through conversations and software agents,” Brunner said. “Our role is to help turn those decisions into secure, compliant and accountable transactions.”

Sixth U.S. Patent Expands Authvia IP Portfolio

The new patent is Authvia’s sixth issued U.S. patent covering areas including conversational transaction management, contextual interpretation, message-based authorization and payment execution.

The company said its intellectual property work spans more than a decade and began before the widespread adoption of generative AI, RCS messaging and autonomous software agents.

Authvia’s technology is designed to connect authorization, engagement and payment across SMS, RCS, voice and other digital and AI-driven experiences, while integrating with existing banks, payment processors, payment platforms and financial infrastructure.

The patent adds another layer to Authvia’s technology portfolio as businesses explore how AI-driven interactions can move from recommendations and intent toward secure, authorized and accountable financial execution.