I'm working on the AFC (automatic fare collection) system which required a SAM( secure access module) for key management.system works fine with local key management in MCU and I don't have any experience in using SAM.SAM required to install beside MCU as main reader controller & contactless card reader chip(PCD).
A SAM may be a smart card or another chip like a trusted platform module. A TPM is addressed using an API, see here.
SAMs are seldom required, so there are no domain independent standards how to address these.
If a smart card is used, then 7816 is obviously the way to go. A native smart card is also perfectly possible as SAM, especially if Perform Security Operation command of ISO 7816-8 is supported.
A typical SAM command is "encrypt these data with your (say AES) key number 1". A typical SIM card will have no command for it.
You have to collect the use cases you are interested in by yourself. Some ideas: