JavaCard OS

I need to send some APDU commands and get one response which will be forwarded to server for verification - OTP.

Is there a way to communicate with javacard from applet that's running inside web browser?

Current applet throws this error:
"Access restriction: The type TerminalFactory is not accessible due to restriction on required library ...

Have you tried signing your applet with a code signing certificate? For applet code to run with higher security privileges you need to sign your code. You need to look into the jar signer tool that come with the JDK.

Please give us the full error message. It seems the application required one library.