# US 10,768,795 B2 · Integrated resource transfer application > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,768,795 B2 - Document ID: US10768795B2 - Status: Granted - Kind: B2 - Application number: 15/294,025 - Filed: 2016-10-14 - Published: 2017-08-17 - Granted: 2020-09-08 - Earliest claimed: 2016-02-16 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: Stephen Philip Selfridge - Web page: https://patentgrep.com/patent/US10768795B2 ## CPC - G06F 3/0484: for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range - G06F 21/31: User authentication - H04W 4/021: Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) ## Abstract Embodiments of the invention are directed to a mobile device system, methods and computer program products for providing a centralized, integrated resource transfer application on the mobile device. The integrated resource transfer application of the mobile device is typically configured to launch, control, modify and operate applications stored on the mobile device. In this regard, the integrated resource transfer application facilitates the user to perform a user activity, using multiple applications from a centralized user interface, without requiring the user to open and close one application after another. Another aspect of the integrated resource transfer application is directed to determination of pertinent applications for the user activity and automatic launching the applications within the central interface, by transferring control between applications, automatically, and in a suitable order. ## Claims ### Claim 1 A mobile device for integrated resource transfer, wherein the mobile device is configured to provide a centralized integrated resource transfer application comprising integrated merchant applications for performing a user activity, the mobile device comprising: at least one memory device with computer-readable program code stored thereon; at least one communication device; at least one processing device operatively coupled to the at least one memory device and the at least one communication device, wherein executing the computer-readable program code is configured to cause the at least one processing device to: initiate an integrated user application, wherein initiating the integrated user application comprises presenting a central user interface on the mobile device; initialize a merchant specific module of the integrated user application; present, in real time, an interface of a first merchant application and an interface of a second merchant application within the presentation of the central user interface, wherein the first merchant application and the second merchant application are stored in a memory device of the mobile device; perform at least one user activity using the interface of the first merchant application and the interface of the second merchant application within the central user interface, wherein performing the at least one user activity comprises: determining that the first merchant application is associated with a first activity event associated with the at least one user activity, wherein the first activity event comprises invoking a shopping list of the user associated with the first merchant; determining that the second merchant application is associated with a second activity event associated with the at least one user activity, wherein the second activity event comprises redeeming loyalty points of the user; determining a first level of authentication required for performing the first activity event; determining a second level of authentication required for performing the second activity event; determining that the first level of authentication is greater than the second level of authentication; and in response to determining that the first level of authentication is greater than the second level of authentication, requesting, from a user, authentication credentials associated with the first level of authentication, wherein successful validation of the authentication credentials associated with the first level of authentication authenticates the user for the first merchant application and the second merchant application; and facilitate a first resource system associated with the first merchant application to configure, in real time, the interface of the first merchant application within the central user interface; wherein the first resource system configures, in real time, the interface of the first merchant application by transmitting, via an operative communication channel, control instructions configured to cause, in real time, modification of the interface of the first merchant application based on application program interface parameters that comprise content specific to at least one merchant. ### Claim 2 (depends on 1) The mobile device of claim 1, wherein executing the computer-readable program code is configured to further cause the at least one processing device to initialize the merchant specific module based on determining that the mobile device is located within a merchant location by: receiving a wireless proximity signal from a physical electric transmitter device, wherein the wireless proximity signal comprises a unique encoded location code associated with the physical electric transmitter device; decoding an augmented signal to determine the unique encoded location code associated with the physical electric transmitter device; and determining that the mobile device is located within the merchant location based on determining the unique encoded location code is associated with the merchant location. ### Claim 3 (depends on 1) The mobile device of claim 1, wherein executing the computer-readable program code is configured to further cause the at least one processing device to initialize the merchant specific module based on receiving, at the mobile device, instructions from a user. ### Claim 4 (depends on 1) The mobile device of claim 1, wherein executing the computer-readable program code is configured to further cause the at least one processing device to: integrate, dynamically, the interface of the first merchant application and an interface of the second merchant application with the central user interface, in a predetermined sequence. ### Claim 5 (depends on 1) The mobile device of claim 1, wherein executing the computer-readable program code is configured to further cause the at least one processing device to: integrate, dynamically, the interface of the first merchant application and an interface of the second merchant application with a single interface of the central user interface. ### Claim 6 (depends on 1) The mobile device of claim 1, wherein the application program interface parameters are associated with one or more activity incentives provided by the first resource system, wherein the one or more activity incentives comprise temporal incentives and collective incentives wherein executing the computer-readable program code is configured to further cause the at least one processing device to: display of the one or more activity incentives within the interface of the first merchant application within the central user interface; wherein the temporal incentives are associated with user activities conducted within a predetermined time period; wherein the collective incentives are associated with user activities conducted by a first number of users within a predetermined time period. ### Claim 7 A computer program product for integrated resource transfer, wherein the computer program product is configured to provide a centralized integrated resource transfer application comprising integrated merchant applications for performing a user activity, the computer program product comprising a non-transitory computer-readable storage medium having computer-executable instructions to: initiate an integrated user application, wherein initiating the integrated user application comprises presenting a central user interface on a mobile device; initialize a merchant specific module of the integrated user application; present, in real time, an interface of a first merchant application and an interface of a second merchant application within the presentation of the central user interface, wherein the first merchant application and the second merchant application are stored in a memory device of the mobile device; perform at least one user activity using the interface of the first merchant application and the interface of the second merchant application within the central user interface, wherein performing the at least one user activity comprises: determining that the first merchant application is associated with a first activity event associated with the at least one user activity, wherein the first activity event comprises invoking a shopping list of the user associated with the first merchant; determining that the second merchant application is associated with a second activity event associated with the at least one user activity, wherein the second activity event comprises redeeming loyalty points of the user; determining a first level of authentication required for performing the first activity event; determining a second level of authentication required for performing the second activity event; determining that the first level of authentication is greater than the second level of authentication; and in response to determining that the first level of authentication is greater than the second level of authentication, requesting, from a user, authentication credentials associated with the first level of authentication, wherein successful validation of the authentication credentials associated with the first level of authentication authenticates the user for the first merchant application and the second merchant application; and facilitate a first resource system associated with the first merchant application to configure, in real time, the interface of the first merchant application within the central user interface; wherein the first resource system configures, in real time, the interface of the first merchant application by transmitting, via an operative communication channel, control instructions configured to cause, in real time, modification of the interface of the first merchant application based on application program interface parameters that comprise content specific to at least one merchant. ### Claim 8 (depends on 7) The computer program product of claim 7, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to initialize the merchant specific module based on determining that the mobile device is located within a merchant location by: receiving a wireless proximity signal from a physical electric transmitter device, wherein the wireless proximity signal comprises a unique encoded location code associated with the physical electric transmitter device; decoding an augmented signal to determine the unique encoded location code associated with the physical electric transmitter device; and determining that the mobile device is located within the merchant location based on determining the unique encoded location code is associated with the merchant location. ### Claim 9 (depends on 7) The computer program product of claim 7, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to initialize the merchant specific module based on receiving, at the mobile device, instructions from a user. ### Claim 10 (depends on 7) The computer program product of claim 7, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to: integrate, dynamically, the interface of the first merchant application and an interface of the second merchant application with the central user interface, in a predetermined sequence. ### Claim 11 (depends on 7) The computer program product of claim 7, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to: integrate, dynamically, the interface of the first merchant application and an interface of the second merchant application with a single interface of the central user interface. ### Claim 12 (depends on 7) The computer program product of claim 7, wherein the application program interface parameters are associated with one or more activity incentives provided by the first resource system, wherein the one or more activity incentives comprise temporal incentives and collective incentives, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to: display of the one or more activity incentives within the interface of the first merchant application within the central user interface; wherein the temporal incentives are associated with user activities conducted within a predetermined time period; wherein the collective incentives are associated with user activities conducted by a first number of users within a predetermined time period. ### Claim 13 (depends on 7) The computer program product of claim 7, wherein the first level of authentication is associated with a requirement of biometric authentication credentials of the user. ### Claim 14 (depends on 7) The computer program product of claim 7, wherein the second level of authentication is associated with a requirement of passcode authentication credentials of the user. ### Claim 15 A computer implemented method for integrated resource transfer, wherein the computer implemented method is configured to provide a centralized integrated resource transfer application comprising integrated merchant applications for performing a user activity, the computer implemented method comprising: initiating an integrated user application, wherein initiating the integrated user application comprises presenting a central user interface on a mobile device; initializing a merchant specific module of the integrated user application; presenting, in real time, an interface of a first merchant application and an interface of a second merchant application within the presentation of the central user interface, wherein the first merchant application and the second merchant application are stored in a memory device of the mobile device; performing at least one user activity using the interface of the first merchant application and the interface of the second merchant application within the central user interface, wherein performing the at least one user activity comprises: determining that the first merchant application is associated with a first activity event associated with the at least one user activity, wherein the first activity event comprises invoking a shopping list of the user associated with the first merchant; determining that the second merchant application is associated with a second activity event associated with the at least one user activity, wherein the second activity event comprises redeeming loyalty points of the user; determining a first level of authentication required for performing the first activity event; determining a second level of authentication required for performing the second activity event; determining that the first level of authentication is greater than the second level of authentication; and in response to determining that the first level of authentication is greater than the second level of authentication, requesting, from a user, authentication credentials associated with the first level of authentication, wherein successful validation of the authentication credentials associated with the first level of authentication authenticates the user for the first merchant application and the second merchant application; and facilitating a first resource system associated with the first merchant application to configure, in real time, the interface of the first merchant application within the central user interface: wherein the first resource system configures, in real time, the interface of the first merchant application by transmitting, via an operative communication channel, control instructions configured to cause, in real time, modification of the interface of the first merchant application based on application program interface parameters that comprise content specific to at least one merchant. ### Claim 16 (depends on 1) The mobile device of claim 1, wherein the first level of authentication is associated with a requirement of biometric authentication credentials of the user. ### Claim 17 (depends on 1) The mobile device of claim 1, wherein the second level of authentication is associated with a requirement of passcode authentication credentials of the user. ### Claim 18 (depends on 15) The computer implemented method of claim 15, wherein the first level of authentication is associated with a requirement of biometric authentication credentials of the user. ### Claim 19 (depends on 15) The computer implemented method of claim 15, wherein the second level of authentication is associated with a requirement of passcode authentication credentials of the user.