Issue #23459 Issue #23937 Support external pre-auths with no card_id.

@gilmoskowitz 
This seems like the easiest way to add support for external pre-auth. The main issue is the bank account query below. 

Do we have a way to get a default bank account? 
Does anyone actually map different cards to different accounts? 

The `P` is for Paypal support stub. Can we add an `E` for external pre-auths? I'm not sure where we're actually doing to inserts to the `ccbank` table to setup these card-to-bank relations. 

We would need to add UI support here:
https://github.com/xtuple/qt-client/blob/d712bb03916a9d190fccdfaa2825f59f2abc0ae1/guiclient/configureCC.cpp#L84
https://github.com/xtuple/qt-client/blob/d712bb03916a9d190fccdfaa2825f59f2abc0ae1/guiclient/configureCC.cpp#L257