Yes the phone may not be fully unlocked but you are authenticating to a higher level of information and initiating a radio communication. If this cannot be taken advantage of at the moment, it is always possible to do so in the future. This is what I am going with my concern. As someone who teaches how to intercept these types of communications and leverage them for ill will (with permission), among many other things, I have concerns about this technology, at least at the moment. I am not trying to fear-monger, just expressing a concern, especially when data breaches have become so common that people are almost numb to them now. This is all I am saying, I will not use this technology, simply out of an abundance of caution. With a previous version of iOS, 17 something, I was able to clone multiple cards on an iPhone when the radio was engaged even when a specific card was queued to broadcast. I have not tried with the current version of iOS but will be doing so in a few weeks in class.
Edit: I reported this behavior to Apple, I can only assume they corrected it.
Edit: I reported this behavior to Apple, I can only assume they corrected it.