To Ijaz,
Many thanks for your reply.
I got the answer from your mail that there cannot be a thing as universal Smart card reader. The Card which is to be inserted, must be known to the reader, before it is inserted in the card.
Here is a specific question related to smart card reader.
can somebody give me the link to the site, which gives the schematic/ic details, which are used as giving power to the smart cards. I am interested in using both 5Volt Cards and 3 Volt Cards. If a single circuit is capable of giving 3 and 5 V is good. otherwise a serparate ciurcuits will be ok.

From Kiran V. Sutar.