There are many question on site like
Programatically changing the iOS lock-screen ,
How to set lock screen , wallpaper and Ringtone programmatically in iPhon
The "podcaster" app (3rd party not apple) displays an image of the currently playing podcast. Podcast images are stored in the RSS feed and not in each mp3 so the app is dynamically telling the os which image goes with with mp3. Of course you can play "silence" out of the speaker but I don't think this is a clean solution