I've got a Visa card from Bank of America. I can log into their website, generate a disposable credit card number on the fly -- specifying my own credit limit and expiration date -- and then just paste the card info into the website I'm ordering from.

There's not a lot of friction in using this feature, and I use it all the time, so I find it pretty surprising that many people here seem to regard Final's implementation of the same thing as a brilliant innovation.