What should I know to begin Developing Applications with smart card

Question

I am using .Net 2.0 C# The Reader is ACR83 which can be found hxxp://www.acs.com.hk/index.php?pid=product&id=ACR83 and for the Card it self I am using ACOS3-32 also from the same company hxxp://www.acs.com.hk/index.php?pid=product&id=ACOS3

Also I have a .net wrapping for the local winscard api from the vendor SDK

ok, this is my first time developing apps with smart card I need to Know what should I know to begin developing applications using smart card

for now I need to use the smart card for authentication in a login process in a simple login form

what should I put on the card and how should I read the contents from it also I need to encrypt the contents