A tokenisation platform for generating a modified payment token for an express payment transaction is described. The tokenisation platform comprises at least a computer processor and a data storage device, the data storage device comprising instructions operative by the processor to: receive, from a token requestor, a request for a modified payment token, the request comprising an account identifier; transmit an authorisation request to an issuer server associated with the account identifier, the authorisation request comprising a request for advanced authorisation or pre-authorisation of funds from an account associated with the account identifier; and to receive, from the issuer server, an authorisation response indicating whether the authorisation request was successful or declined. If the authorisation request is successful, the tokenisation platform will generate a modified payment token comprising tokenised account details associated with the account identifier and either advanced authorised funds or a pre-authorised fund value; and transmit, to the token requestor, the modified payment token for use in an express payment transaction.
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