As this is a book that is meant to be simple, I will try my best to offer easy to understand explanations of these three faiths or three minds.
The aspect of merit transference in a genuine faith (shinjin) is that we rely NOT on the transference of our pitiful merits towards birth in the Pure Land, but on Amida’s transference of merits. A person of true faith abandons the idea of “deserving” to be born in the Pure Land which is the main feature of those destined to the border land and who are obsessed with levels and grades. Unlike them, a person of total faith in Amida Buddha knows that he cannot create anything in his samsaric and unenlightened mind that can bring him to the Pure Land of Enlightenment, and so he lets Amida bring Him there.
[1] The Three Pure Land Sutras - A Study and Translation from Chinese by Hisao Inagaki in collaboration with Harold Stewart, Bukkyo Dendo Kyokai and Numata Center for Buddhist Translation and Research, Kyoto, 2003, p.92
[2] Shinran Shonin, Kyogyoshinsho, cf with Kyogyoshinsho – On Teaching, Practice, Faith, and Enlightenment, translated by Hisao Inagaki, Numata Center for Buddhist Translation and Research, Kyoto, 2003, p. 212