General API module for common shared ecom features

I'm just writing a custom module to collect user preferred payment details (no actual transactions!) and once again I'm creating the base credit card elements from scratch (cut 'n' pasting from three other modules), so I started thinking about a generic e-commerce api

Only things at this point would be generic credit card things.

* A cc element + validation
* Admin settings for selecting the accepted cards

Others would have a better idea on what could be implemented here, aka what could be removed from Ubercart / E-commerce into a general API.

Would anyone be interested? It would only be beneficial to the community if the main players join in.

Any feedback would be great.