* Your credit card has a balance of $0 on it
* You have some app that allows $NAME to deduct $X from it
* You transfer $X to it earmarked for $NAME for some limited amount of time.
I.e. you could walk into Starbucks, have an app on your phone to say you're depositing $20 into an account earmarked for /starbucks/i for 30 minutes.