Apple Patent Reveals Siri-Assisted iMessage P2P Payments Platform
Apple has filed a patent application for a “virtual assistant in a communication session.” On first glance, application 14/713,410 might scare developers of chat bots and the like, but Apple is specific in the scope of their claims – Siri, their virtual assistant platform, will be able to directly communicate with either user in an iMessage conversation and then be able to act on the instructions given. The other participant of the conversation will not see messages intended to Siri, nor messages sent from Siri to the user activating her. This is somewhat different from current implementations of chat bots and virtual assistants in chat programs, in that the classical chat bot for, say, IRC, would be accessible by most of the users of the chatroom.
Siri will also be able to privately give information requested of the other party, even if the other party has not provided it. In the above image, Siri lets the user know that everyone will arrive within five minutes, clearly flexing the GPS data available to her from the other user’s iPhone. One would assume a massive update to the iMessage user agreement will be necessary, and the privacy implications of voluntarily allowing an AI to be involved in every conversation are clear. However, as shown, the default is for the user to give permission for their location information to be shared. If Siri is ever compromised, so too could every conversation on the famously secure iMessage protocol.
However, Siri is not involved in conversations until she is summoned. She is added as another participant when the user summons her or, presumably, adds her manually. As seen in the image above, she can schedule meetings in addition to her other functionalities. However, perhaps most interesting, and most appetizing for malicious hackers, is the prospect shown in the below image. Users who have their financial details linked to their Apple account (which is to say, most or all users) are able to send money via iMessage at the stroke of a message.
As you can see, Siri suggests giving the funds via cash, likely due to the small amount. According to the patent application, Siri first figures out what options are available to both party, and then presents options. Both users appear to use Bank of America and Paypal, but Siri recommends cash. Both the illustrations and their descriptions in the application make it unclear which option the user selects, although the logo to the left of the success message indicates that cash was, indeed, used. Also shown are some security features in the actual sending of funds, including a thumb print scan and password. One would assume that Apple Pay will play a role in all this, and speculation has abounded that the new platform is meant to rival the Venmo system.
About a year ago, reports were in circulation that Apple and banks were discussing the implementation of such a system, and indeed this patent was first filed over a year ago. Presumably it will see ratification within the next year or two, supposing that other major AI developers like Microsoft choose not to contest it on some of its broader implications.
Microsoft and Google would surely oppose paying patent licensing fees to Apple in order to instantiate their own AI peer-to-peer payment systems, and for the most part, the patent application seems to indicate that Apple would then have sole dominion over that field. Therefore, with numerous dogs in the fight including Cortana, the future of this patent and/or the platform itself (failure to acquire a patent would not prohibit Apple from creating the platform, necessarily) is still very much up in the air. More is sure to surface in the coming months, and Hacked will keep you posted.
Images from Shutterstock and USPTO.