What is needed to build a "direct debit" payment method. That is without a payment gateway.

Maybe we could join forces to build this? I'm new to ubercart but able to program.

My thought are:
- create uc_direct_debit.module for providing a payment methode
- define an Direct debit API (DD-API)
- build modules for interfacing this DD-API. (I need a dutch clieop3.module copy/paste to bank web interface)

Am I on the right track for this? And what modules should I study to get this going?

Regards,
Clemens Tolboom