Abstract: A computer-implemented method including, submitting a payment transaction through a network to a merchant website; receiving the payment transaction by a widget program on the merchant website; submitting, a payment transaction request through the network to a backend application; receiving, the payment transaction request; issuing and submitting a transaction identification number through the network to the widget program; creating a matrix barcode from the transaction identification number; scanning the matrix barcode using a mobile computing device; activating a mobile application to receive payment and receiving payment data from a payment card having a card microchip communicating with an EMV library non-embedded in the mobile application; encrypting the payment data and sending the payment data to the backend application; the backend application submitting the payment data to a payment service provider; receiving the payment transaction results; and notifying the widget program and the mobile applicatio

Abstract: An apparatus for managing smart card transactions includes one or more communication interfaces for connecting to processors of vendors, customers and payment server processors and a processor configured to receive details of a transaction from a vendor processor, to transmit the transaction details to a smart card reader identified by the received details, to receive from a smart card within the smart card reader a cryptogram authorizing the transaction, to transfer the details of the transaction and the cryptogram to a payment server processor (PSP) to carry out the transaction, to receive confirmation of the transaction from the PSP through the interface and to transmit confirmation of the transaction to both the vendor processor and a customer processor.