Isn't this back to front ... surely you need a trusted player and then you need Amex/Visa/Mastercard to be able to use that token (the credit card) to aid identification of a person.

So the card would be like Coin's but would have fixed credentials. Then when you open an account you'd provide your ID for the bank to register (or sign the registration with your public key); that account would be added to your card as an option.