Talking to an xD Picture Card

I have one of these, but not in a camera - it’s a memory device for a single-board computer (SBC). I’d like to be able to read it in a program (that I write) running on my PC.

I have a USB card reader that accepts the xD card. But the SBC can’t create files that an operating system like Windows can see. I need to be able to talk to this card at a very low level. I assume that what I need is something like an alternate driver for the card reader.

Anyone know how to find such a thing?

If you find one, I’d sure like one that works for Smartmedia cards. I remain convinced that my Windoze-formatted cards can one day work again in my camera, should they just get a low-level format treatment.