What about if we could reverse the way credit cards work, so instead of a company taking money from me I give the money to them; instead of supplying them my cc

What about if we could reverse the way credit cards work, so instead of a company taking money from me I give the money to them; instead of supplying them my cc number, they supply me with their credentials and I transfer the money and then they verify the transaction has taken place. I'm not sure about US or European banking, but in Australia we have three methods that work like this - BPay, direct deposit and cash/cheque. BPay is a company that sits in the middle and is, I gather, not financially viable for smaller companies, a direct deposit can take days to appear, and cash is not that great for online transactions.