All these readers are CCID compliant, but character-level readers are 
  like Winmodems and APDU-level readers are like proper modems.

That's a very strange way to look at it.  I would say it's the other way
around.  Dumb readers are like proper modems, because they have a well
documented interface that anyone can program to.  Smart readers are like
"Win"modems, because they have a proprietary interface and can only be used
with the manufacturer's software.
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