The reference implementation is a software simulation of an actual PIV
card. The manual reads:
The PIV Reference Implementation executable, pivd.exe, is a server (just
like a real smart card). pivd listens for application protocol data unit
('APDU') requests on an Internet port and returns responses to these
requests. pivd uses the TLP-224 communication protocol to receive command
APDUs and return response APDUs.
So the first question is what kind of reader driver to use to connect to
such an emulator. TLP seems to be used by some GemPlus readers... Is
there any quick way of connecting to a socket that you can see?