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Another tech perspective, bluetooth EMV devices with MSR and NFC will be a game changer... less compatibility issues to contend with.

Initially in the US, it will be chip and signature, not chip and pin... at $29 retail for a card reader for mobile (phone or tablet) is very aggressive and a competitive price point.  Congrat's to Square...

It appears the Michigan judge has either common sense or attended business school and a few classes in logical thinking vs the now more apparent clueless Portland, ME judge.  One would think if payments security is attempting to standardize using PCI, then acts of fraud would also have a set of standards or at least parameters.  Perhaps Durbin ought to spend time protecting the consumers and businesses against blatant fraud and not intervening in transactional fees that ultimately get offset by the introduction of new fees in other areas.  Just a thought!