Server-to-device secure data exchange transactions

A system, comprising:

• a computing device comprising one or more processors coupled to a non-transitory memory, the one or more processors configured to:
• receive, from a native software application, a transaction request, the native software application corresponding to a device access token generated to include (i) a device identifier of the computing device, and (ii) an identifier of a provider computing system corresponding to the native software application;
• transmit, to a computing system, the device access token and the transaction request, wherein the transaction request causes the computing system to:
• (i) determine an account based on the identifier of the provider computing system,
• (ii) determine that the transaction request does not violate an account restriction applicable to the native software application, and
• (iii) generate an electronic message based on the account upon determining that the transaction request does not violate the account restriction;
• receive, from the computing system, an electronic message responsive to the transaction request;
• and
• provide, to the native software application, a response to the transaction request based on the electronic message.

A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a computing device, cause the one or more processors to perform operations comprising:

• receiving, from a native software application, a transaction request, the native software application corresponding to a device access token generated to include (i) a device identifier of the computing device, and (ii) an identifier of a provider computing system corresponding to the native software application;
• transmitting, to a computing system, the device access token and the transaction request, wherein the transaction request causes the computing system to:
• (i) determine an account based on the identifier of the provider computing system,
• (ii) determine that the transaction request does not violate an account restriction applicable to the native software application, and
• (iii) generate an electronic message based on the account upon determining that the transaction request does not violate the account restriction;
• receiving, from the computing system, an electronic message responsive to the transaction request;
• and
• providing, to the native software application, a response to the transaction request based on the electronic message.