A method, system, program, and method of doing business are disclosed for electronic commerce that includes the feature of a “thin” consumer's wallet by providing issuers with an active role in each payment. This is achieved by adding an issuer gateway and moving the credit/debit card authorization...http://www.google.co.uk/patents/USRE40444?utm_source=gb-gplus-sharePatent USRE40444 - Four-party credit/debit payment protocol
