Linking of computer devices in tokenized payment transactions

A computer-implemented method of facilitating a transaction between a payer and a payee using a push payment, the method comprising:

• the payer using a web browser on a first computer apparatus to make a purchase and to select payment using a tokenized payment transaction scheme;
• a computing apparatus of a distributor sending a request for a payment identification code to computing apparatus of a payment agent, wherein the distributor is associated with the payee for collecting payments due to the payee, and wherein the request for a payment identification code comprises payment information identifying the payee and the amount to be paid;
• the payment agent's computing apparatus generating a payment identification code to be associated with the payment information that is unique thereby allowing the payment to be unambiguously identified, storing the payment identification code with the associated payment information, and providing the payment identification code to the distributor's computing apparatus;
• the distributor's computing apparatus providing the payer with the payment identification code, either directly or via the payee's computing apparatus;
• the payer's first computing apparatus displaying the payment identification code;
• second computing apparatus of the payer receiving the payment identification code;
• the payer's second computing apparatus sending the payment identification code to computing apparatus of a financial institution, wherein the financial institution is a financial institution associated with the payer for making payments from the payer, the financial institution's computing apparatus sending the payment identification code to the payment agent's computing apparatus;
• the payment agent's apparatus receiving the payment identification code, using the payment identification code to retrieve the previously stored payment information associated with the payment identification code, and sending the payment information associated with the payment identification code to the financial institution's computing apparatus;
• the financial institution's computing apparatus sending the payment information and the payment identification code to the payer's second computing apparatus;
• the payer's second computing apparatus displaying the payment information for authorization by the payer along with a request to link the web browser of the payer's first computing apparatus to the payer's second computer apparatus, receiving an authorization of the payment from the user and an acceptance to link the web browser of the payer's first computing apparatus to the payer's second computer apparatus, and sending a request to pay message including the payment identification code and the link acceptance to the financial institution's computing apparatus;
• the financial institution's computing apparatus arranging for payment from the payer to the payee and sending the link acceptance to the payment agent's computing apparatus with contact details of the payer's second computer apparatus;
• the payment agent's computing apparatus receiving the link acceptance and contact details, generating a link token and storing the link token with the contact details, and sending the link token to the distributor's computing apparatus;
• the distributor's computing apparatus providing the link token to the web browser of the payer's first computing apparatus;
• and
• the payer's first computing apparatus storing the link token.

A computer-implemented method of facilitating a transaction between a payer and a payee, the method comprising:

• receiving a notification that a payment has been requested from a payment agent, wherein the notification includes a payment identification code associated with the payment information that is unique thereby allowing the payment to be unambiguously identified;
• responsively displaying a prompt that a payment has been requested;
• receiving payment information identifying the payee, the amount to be paid, and a link token;
• displaying the payment information for authorization by the payer receiving an authorization from the payer, and
• sending a request to pay message including the payment identification code to computing apparatus of a financial institution, wherein the financial institution is a financial institution associated with the payer for making payments from the payer, such that the financial institution's computing apparatus arranges a payment from the payer to the payee.