Hello,

I don't know whether it is appropriate to ask here. 
However, as I am learning smart card, I hope some of
you may know it.

>From my understandings, I know that smart cards can be
classified into 4 classes:
(1)JavaCard, using Java OS
(2)Smart card with Multos OS
(3)Traditional file systems smart card (What kind of
OS?)
(4)Smart Card for Windows (What is the OS?)
(correct me if I am wrong)

However, according to Microsoft, "Microsoft's Smart
Card implementation will work with the Java Card (or
any other card) with the appropriate card service
provider installed."  Does it mean that Microsoft does
not develop a smart card OS?  Can you explain briefly
how the mechanism is?

Candy.

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