Apple’s future system to allow sending money without unlocking the phone already poses risks

The new system has already raised security concerns.

Apple has issued a patent related to a system that allows users to give voice commands, such as sending money or accessing private data, while their smartphone is locked.

Such commands will only be possible if the user is connected to a pre-authenticated accessory or wearable device, such as AirPods or an Apple Watch.

This means that Siri or any other voice assistant will be able to manage tasks that include private information without needing Face ID or a passcode.

The document reveals how the system works by showing a locked iPhone (but it could be any other Apple device), which can decide whether it's secure to approve a request, such as a user asking to “Pay Joe $50,” reports the Mac Observer.

The device then checks if the connected accessory meets the authentication criteria, which include secure pairing, recent verification, and proximity.

If these security checks are met, the phone then starts the task and confirms it via voice or visual output while still being locked.

The system seems to be created as a way to make it easier to go through security measures. Instead of using just a device unlocking system, the system presents a “layered” check that includes voice and accessory-based recognition.

Apple would determine whether a command should be allowed based on information such as previous authentication actions, encryption keys, and signal strength.

The system would allow users to use their devices more efficiently when they’re on the move. For example, they could make payments or share files without having to use their smartphones.

Nevertheless, it also raises security concerns, as the system could be exploited by someone else using the same AirPods or who is close enough to prompt a voice command.

The company shared that multiple checks would be needed in this case. However, as with many patents, it's not clear if Apple will work on actually implementing this feature in the future.