Smart cards come in many different types.
They are all suppose to comply with the iso 7816 standard , but thats where the similarities end.
There are the cards that are used in dish network and directv recievers, and then there are others that are used by door locks, etc.
You can actually buy unprogrammed cards fairly cheaply.
http://www.smartcardsupply.com...tent/Cards/ISO7816.htm
I like to collect that very old directv cards, called F and H cards, NO these will not get you free tv .
They are reprogrammable for a variety of things and are usually free or thrown away.
They contain an asic and memory.
You can actually place a small application on the card and have it run to decrypt data when its in the reader without ever revealing the code running on the card.
Some are nearly 99.9% secure.
You do need special software and a knowledge of the cards in general to use them though.
I have used them to store passwords on my pc, lock down programs that require the card to run (similar to a dongle)_.
You can pick up readers for 10.00 or so.
Its a fun hobby.