System and method for adaptive mobile application

A computer system comprising:

• at least one processor;
• a transceiver;
• and
• a determining module that performs the following one or more computer-readable hardware storage devices having stored thereon computer-executable instructions that are executable by the at least one processor to cause the computer system to:
• execute an adaptive application, wherein the adaptive application is associated with a single launch icon that is displayed on a main launch screen of the computer system, and wherein the single launch icon automatically changes appearance based on changing merchant-specific application settings that are applied to the adaptive application in response to different triggering factors;
• based on location indicators that are received at the computer system in a data structure, determine a current location of the computer system;
• based on the determined current location of the computer system, determine that the computer system is within a specified region in relation to a merchant location;
• determine that one or more of a plurality of merchant-specific application settings are to be applied to the adaptive application on the computer system when (1) the computer system is within the specified region in relation to the merchant location and (2) at least one biometric trigger has been received, the biometric trigger comprising at least one of a fingerprint scan, a facial scan, or a voice print;
• and
• generate an indication of the one or more merchant-specific application settings that are to be applied to the adaptive application on the computer system, wherein one or more different merchant-specific application settings are automatically and dynamically applied by the adaptive application upon the computer system entering a second, different merchant location, such that one or more portions of functionality provided by the adaptive application are dynamically changed according to the one or more different merchant-specific application settings for the second, different merchant location, and wherein the single launch icon also automatically changes in appearance upon application of the one or more different merchant-specific application settings.

One or more computer-readable hardware storage devices having stored thereon computer-executable instructions that are executable by one or more processors of a mobile device to cause the mobile device to:

• execute an adaptive application, wherein the adaptive application is associated with a single launch icon that is displayed on a main launch screen of the mobile device, and wherein the single launch icon automatically changes appearance based on changing merchant-specific application settings that are applied to the adaptive application in response to different triggering factors;
• and
• instantiate a user interface for the adaptive application, the user interface comprising the following:
• a dynamically changeable skin that is updatable to include merchant-specific elements associated with a merchant, wherein the dynamically changeable skin changes based on a location of the mobile device;
• one or more dynamically changeable user interaction elements that allow a user of the mobile device to interact with the adaptive application represented by the user interface, wherein the dynamically changeable user interaction elements change based on the location of the mobile device and based on a determination that at least one biometric trigger has been received, the biometric trigger comprising at least one of a fingerprint scan, a facial scan, or a voice print, and wherein one or more different merchant-specific settings are automatically and dynamically applied upon the mobile device changing locations so as to enter a second, different merchant location, such that one or more portions of functionality provided by the adaptive application are dynamically changed according to the one or more different merchant-specific settings for the second, different merchant location, and wherein the single launch icon also automatically changes in appearance upon application of the one or more different merchant-specific application settings;
• and
• an application data portion that presents application data.