A method comprising: receiving transaction address data in a point of interaction device, from a payment-enabled mobile device that hosts a consumer device server function and initiates and performs payment transactions with a payment system, the transaction address data including first address data and second address data, the first address data being an identifier that identifies a wallet service provider, from amongst a plurality of wallet service providers, that is associated with the payment-enabled mobile device and maintains a digital wallet for a consumer that stores digitalized payment cards associated with the consumer, the second address data comprising a universal resource identifier indicating an internet address for the consumer device server function present in the payment-enabled mobile device, wherein the payment-enabled mobile device does not store payment card account numbers of the digitalized payment cards and wherein the POI device does not receive any payment card account numbers, wherein each of the plurality of wallet service providers has a particular identifier to distinguish the wallet service provider from the other wallet service providers; the POI device connecting to the wallet service provider using the first address data, and transmitting the second address data from the POI device to the wallet service provider in a message comprising transaction data and the second address data associated with the consumer device server function present in the payment-enabled mobile device, and wherein the wallet service provider parameterizes the consumer device server function including the identifier for the wallet service provider and cryptographic material; and, establishing, based on the second address data and the parameterized consumer device server function, a cryptographically-secured internet communication channel with the payment enabled mobile device via the consumer device server function, for secure data communication during execution of a payment transaction, using mutual authentication of the wallet service provider and the payment-enabled mobile device server function. receiving transaction address data in a point of interaction device, from a payment-enabled mobile device that hosts a consumer device server function and initiates and performs payment transactions with a payment system, the transaction address data including first address data and second address data, the first address data being an identifier that identifies a wallet service provider, from amongst a plurality of wallet service providers, that is associated with the payment-enabled mobile device and maintains a digital wallet for a consumer that stores digitalized payment cards associated with the consumer, the second address data comprising a universal resource identifier indicating an internet address for the consumer device server function present in the payment-enabled mobile device, wherein the payment-enabled mobile device does not store payment card account numbers of the digitalized payment cards and wherein the POI device does not receive any payment card account numbers, wherein each of the plurality of wallet service providers has a particular identifier to distinguish the wallet service provider from the other wallet service providers; the POI device connecting to the wallet service provider using the first address data, and transmitting the second address data from the POI device to the wallet service provider in a message comprising transaction data and the second address data associated with the consumer device server function present in the payment-enabled mobile device, and wherein the wallet service provider parameterizes the consumer device server function including the identifier for the wallet service provider and cryptographic material; and, establishing, based on the second address data and the parameterized consumer device server function, a cryptographically-secured internet communication channel with the payment enabled mobile device via the consumer device server function, for secure data communication during execution of a payment transaction, using mutual authentication of the wallet service provider and the payment-enabled mobile device server function.