I was trying to find out the detail of ISO7816-3 Protocol T = 1, the biggest problem is it's hard to find T = 1 smart card sample, so I cannot do the test and experiment to find out and understand the detail. I always believe the best way to understand one thing is to play with it.
Anyway, I list down the material I studied,
ISO/IEC 7816-3 chapter 9.
I leave this topic as of now, may re-visit it later if I can find a way to test it with a real card.