TerminalFactory factory = TerminalFactory.getDefault();
    List<CardTerminal> terminals = factory.terminals().list();
    System.out.println("Terminals: " + terminals);
    // get the first terminal
    CardTerminal terminal = terminals.get(0);
    // establish a connection with the card
    Card card = terminal.connect("*");
    System.out.println("card: " + card);
    CardChannel channel = card.getBasicChannel();
    byte[] INIT_UPDATE = { (byte) 0x80, (byte) 0x50, (byte) 0x00,
            (byte) 0x00, (byte) 0x08, (byte) 0x11, (byte) 0x22,
            (byte) 0x33, (byte) 0x44, (byte) 0x55, (byte) 0x66,
            (byte) 0x77, (byte) 0x88 };

    ResponseAPDU r = channel.transmit(new CommandAPDU( INIT_UPDATE));
    System.out.println("response: " + Hex.encodeHexString(r.getBytes()));
    // disconnect
    card.disconnect(false);