Mobile Payment Form Interception and Auto-Population

The patent introduces a payment form processor as an intermediary component that sits between the merchant's website and the user's mobile device. This processor intercepts merchant-specific payment forms, standardizes them into a universal interface, and handles the actual data collection. By using this intermediary, the system maintains accurate payment information collection while eliminating the complexity of dealing with multiple merchant-specific forms directly.

The patent creates a universal payment interface that can handle multiple different merchant payment requirements through a single standardized form. The payment form processor converts various merchant-specific payment forms into this universal interface, allowing users to interact with all merchants through one consistent payment methodology. This multi-functionality eliminates the need for users to adapt to different payment form structures across different merchants.

The patent implements a system where the payment form processor automatically handles the conversion and population of payment forms without requiring user intervention in the complex underlying processes. The system self-manages the interception, standardization, and population of payment forms based on user selections, eliminating the need for users to navigate complex third-party payment systems while maintaining operational simplicity.

The patent extracts the complex payment processing logic from third-party systems and relocates it to a dedicated payment form processor that operates independently. This extraction removes the complexity and data security risks associated with third-party involvement, while the extracted functionality is simplified and integrated directly into the payment flow, maintaining ease of operation without the drawbacks of external systems.

The patent segments the payment processing functionality into a separate, standalone payment form processor that does not require direct integration with merchants. Instead of merchants integrating with complex payment systems, each merchant simply provides their payment form, which is then processed independently by the payment form processor. This segmentation eliminates integration complexity while maintaining full payment functionality.

The payment form processor serves as an intermediary layer between merchants and payment processing. Merchants provide their payment forms without needing to integrate with complex processing systems, as the intermediary handles the conversion and processing. This approach maintains payment adaptability across different merchants while eliminating the integration complexity that would otherwise be required.