i was interested in contactless smartcards. i didn't want to spend money for a reader that i'd have to carry around with me all day and plug into my phone
with your reference to tracks 1 and 2, it sounds like you're looking at the stripe or the chip, for which you'll need a reader.
technically, a certain amount of reading contactless cards is trivial (i've compared what i've been able to do against some apps downloaded from play.) the biggest hurdle is the tons of undocumented proprietary data which you have to purchase from each card issuer at considerable cost.
i just did some tweaking on my "reader" last night. you can try it if you like. i think it runs ok. there's an earlier here somewhere. by the way, contactless cards do give up what's called "track 2 equivalent" data. didn't strike me as adding much to what the cards had already told me. but then i don't know what your plans are for using the data.