A wireless card reader (104, 402), comprising: a frame, where the frame includes a top surface, a bottom surface, a first side surface, and a second side surface, the second side surface of the side surfaces on an opposite side of the frame from the first side surface, the first side surface including a slot configured to receive insertion of a smart chip card; a chip card reader interface (208, 423) including electrical contacts positioned in the frame to contact contacts of the smart chip card when it is inserted into the slot; and an antenna configured to allow the wireless card reader to communicate wirelessly with a mobile computing device, said mobile computing device comprising a mobile phone, tablet computer, or laptop; characterised in that: the wireless card reader further comprises a contactless card reader interface and circuitry configured to direct signals from the contactless card reader interface or the chip card reader interface to a microcontroller in the wireless card reader; and in that the wireless card reader is configured to: detect insertion of a smart chip card at the chip card reader interface; send a request to the mobile computing device via the antenna to send a personal identification number, PIN, in response to detecting the insertion of the smart chip card; receive wirelessly, from the mobile computing device, a PIN entered by a user through a user interface of the mobile computing device; send the PIN to the smart chip card; receive, from the smart chip card, a confirmation that the PIN matches a PIN embedded at the smart chip card; and wirelessly send the confirmation to the mobile computing device. a frame, where the frame includes a top surface, a bottom surface, a first side surface, and a second side surface, the second side surface of the side surfaces on an opposite side of the frame from the first side surface, the first side surface including a slot configured to receive insertion of a smart chip card; a chip card reader interface (208, 423) including electrical contacts positioned in the frame to contact contacts of the smart chip card when it is inserted into the slot; and an antenna configured to allow the wireless card reader to communicate wirelessly with a mobile computing device, said mobile computing device comprising a mobile phone, tablet computer, or laptop; characterised in that: the wireless card reader further comprises a contactless card reader interface and circuitry configured to direct signals from the contactless card reader interface or the chip card reader interface to a microcontroller in the wireless card reader; and in that the wireless card reader is configured to: detect insertion of a smart chip card at the chip card reader interface; send a request to the mobile computing device via the antenna to send a personal identification number, PIN, in response to detecting the insertion of the smart chip card; receive wirelessly, from the mobile computing device, a PIN entered by a user through a user interface of the mobile computing device; send the PIN to the smart chip card; receive, from the smart chip card, a confirmation that the PIN matches a PIN embedded at the smart chip card; and wirelessly send the confirmation to the mobile computing device. the wireless card reader further comprises a contactless card reader interface and circuitry configured to direct signals from the contactless card reader interface or the chip card reader interface to a microcontroller in the wireless card reader; and in that the wireless card reader is configured to: detect insertion of a smart chip card at the chip card reader interface; send a request to the mobile computing device via the antenna to send a personal identification number, PIN, in response to detecting the insertion of the smart chip card; receive wirelessly, from the mobile computing device, a PIN entered by a user through a user interface of the mobile computing device; send the PIN to the smart chip card; receive, from the smart chip card, a confirmation that the PIN matches a PIN embedded at the smart chip card; and wirelessly send the confirmation to the mobile computing device. detect insertion of a smart chip card at the chip card reader interface; send a request to the mobile computing device via the antenna to send a personal identification number, PIN, in response to detecting the insertion of the smart chip card; receive wirelessly, from the mobile computing device, a PIN entered by a user through a user interface of the mobile computing device; send the PIN to the smart chip card; receive, from the smart chip card, a confirmation that the PIN matches a PIN embedded at the smart chip card; and wirelessly send the confirmation to the mobile computing device.