If Windows 10 can’t recognize your integrated card reader or USB card reader, you may need to check the card reader driver or USB driver. You can open the Device Manager and expand the device entries to see if there are yellow triangles with an exclamation mark. This means the device driver runs into problems and results in SD card reader not working issue on Windows 10.

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External devices that can read a Personal identification number (PIN) or other information may also be connected to a keyboard (usually called "card readers with PIN pad"). This model works by supplying the integrated circuit on the smart card with electricity and communicating via protocols, thereby enabling the user to read and write to a fixed address on the card.
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In the 1-to-1 mode a user must first either present an ID card or enter a PIN. The reader then looks up the template of the corresponding user in the database and compares it with the live scan. The 1-to-1 method is considered more secure and is generally faster as the reader needs to perform only one comparison. Most 1-to-1 biometric readers are "dual-technology" readers: they either have a built-in proximity, smart card or keypad reader, or they have an input for connecting an external card reader.