You should take a look at http://jumio.com if you are looking for something innovative. It's a new start-up by Facebook Co-Founder Eduardo Saverin, Basically. They appear to have patented (pending anyway) a camera system which scans your credit card on your desktop or laptop to make a payment. Sounds a little risky at first, but after reading it does sound very sophisticated. I guess there was also hesitancy about any online payments online a couple of years ago. Take a look here for more info'... How does Netswipe work? | Jumio - Netswipe