Abstract: This software tool accessing methodology defines a powerful approach to interacting with smart card readers and smart cards. This software tool embodies the central software engine (Interface component), a series of configuration files, and modular plug-ins that provide methods for formatting cards and compatibility with evolving standards. This software tool enables effective building of smart card solutions without concern for the tedious detail of smart card vendor specifications and the unique interface challenges that exist with smart card readers. Instead of having to hardcode instructions within a smart card application, card and reader information is accessed by the interface component using the data stored in configuration files to therefore create flexibility and growth potential. The configuration files include information that tells how a software engine can communicate with an information system, a reader, and a card.