A computer-implemented method including receiving, at a wallet
server, a request from a browser
server for
payload information associated with a selected
payment instrument for an online checkout transaction. The method also can include performing, by the wallet
server, a
risk assessment for the selected
payment instrument. The method additionally can include determining whether to perform a step-up
authentication based on the
risk assessment. The method further can include, upon determining to proceed with the online checkout transaction, requesting, by the wallet server, token information from a token
service provider. The method additionally can include receiving, at the wallet server, the token information from the token
service provider. The method further can include creating, by the wallet server, a secure
payload comprising the token information. The method additionally can include sending, by the wallet server, the secure
payload to the browser server for autofill in a browser. Other embodiments are described.