Secure wallet-to-wallet transactions

A method, comprising:

• receiving, with a recipient mobile wallet operating on a computing device, first payment credentials for a first transaction from a first mobile device using near field communication (NFC);
• sending the first payment credentials to a mobile wallet provider associated with the recipient mobile wallet using W2W communication;
• receiving a first approval or denial for the first transaction from the wallet service provider using W2W communication;
• sending an indication of the first approval or denial for the first transaction to first mobile device using NFC;
• receiving, with the recipient mobile wallet, second payment credentials for a second transaction from a second mobile device using W2W communication;
• sending the second payment credentials to the mobile wallet provider associated with recipient mobile wallet using W2W communication;
• receiving a second approval or denial for the second transaction from the wallet service provider using W2W communication;
• and
• sending an indication of the second approval or denial for the second transaction to the second mobile device using W2W.

A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to perform operations of:

• initiating an NFC mode on a first mobile device associated with a first mobile wallet;
• receiving, with the first mobile device, payment credentials for a transaction from a second mobile device using near field communication (NFC);
• sending, by the first mobile device, the received payment credentials to a mobile wallet provider, associated with the first mobile wallet, using wallet to wallet (W2W) communication;
• and
• receiving, with the first mobile device, a first approval or denial of the transaction from the mobile wallet provider using W2W communication.

A system comprising:

• at least one processor;
• and
• at least one storage device comprising instructions, which when executed by the at least one processor, configure to at least one processor to perform operations comprising:
• initiating an NFC mode on a first mobile device associated with a first mobile wallet;
• receiving, with the first mobile device, payment credentials for a transaction from a second mobile device using near field communication (NFC);
• sending, by the first mobile device, the received payment credentials to a mobile wallet provider, associated with the first mobile wallet, using wallet to wallet (W2W) communication;
• and
• receiving, with the first mobile device, an approval or denial of the transaction from the mobile wallet provider using W2W communication.