This is basically what Stripe does. The "CC Company" basically doesn't offer more than a simple yes/no API -- "approved w/ #" or "declined". It'd be great if they could do more, but that's where the opportunity for folks like Stripe lies.
I guess it just surprises me that the CC companies don't do it themselves. Is the additional overhead of such a feature so high such as to warrant the choice between no payment processor (x% fee per transaction) vs. third party middle guy (x% + a bit more)? Not to mention the money the CC companies would save by not having so many fraudulent transactions (assuming they come out of their pocket, I honestly don't know).
Well, you can get AVS checks back too. But in general the entire system is so far behind the times. It really needs to be overhauled with security as the focal point.
