I like the idea of having a bitcoin card or payment / app on a phone, but I do not like the centralisation and loss of anonyimity that goes with it,
It would be ideal if their was an out of the box software solution that can be installed on any webserver by any n00b that would have a listening API say over https and it interfaced with the bitcoind, so it listened for merchants requesting payments that originated from its assigned customer(s), (so it could be a personal payment processor just for you or it could be for a group of people), the webserver API would respond with a challenge request for a pin number or password then it would send funds to the appropriate merchand webserver API / address,
That's sounding close to what BitcoinINV posted that they were working on:
http://youtu.be/QyK9kdEgxCA.
If "any webserver" could get this software installed on it, then in theory every merchant has their own instance, which allows for decentralization, right? I've been suggesting modifying the POS devices, since they already have to be internet-connected (to process the credit card transactions), and most merchants already have one. For a merchant that's changing over to using an iPad for checkout (like Square encourages), or smaller mobile device (like Apple stores do), just having some webserver out there able to be contacted by those check-out devices would work swell.