Creating and managing branch mobile wallets

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:

• receiving a request to create a branch mobile wallet of a main mobile wallet of a user, the main mobile wallet having one or more wallet items;
• receiving a selection of one or more wallet items from the main mobile wallet to include in the branch mobile wallet;
• receiving contact information associated with a contact channel for a recipient of the branch mobile wallet, wherein the contact channel for the recipient is based on contact channel information for a previously established mobile wallet for the recipient;
• receiving a request to send the branch mobile wallet to the recipient;
• determining the recipient does not have a mobile wallet application for the branch mobile wallet;
• in response determining the recipient does not have the mobile wallet application, sending a request to the recipient to download the mobile wallet application;
• establishing a communication channel between the main mobile wallet residing on a mobile device and a mobile wallet residing on a recipient device;
• after receiving the request, directly sending activation information to the recipient over the communication channel that is different than the contact channel;
• receiving a reply that includes the activation information from the recipient;
• establishing the branch mobile wallet on the recipient device with a plurality of wallet items, based on the selection of one or more wallet items, after receiving the reply to the activation information;
• and
• transmitting a command to disable a wallet item of the plurality of wallet items at the branch mobile wallet on the recipient device.

A system comprising:

• at least one processor;
• and
• at least one memory storing instructions that, when executed by the at least one processor, configure the at least one processor to:
• receive a request to create a branch mobile wallet of a main mobile wallet of a user, the main mobile wallet having one or more wallet items;
• receive a selection of one or more wallet items from the main mobile wallet to include in the branch mobile wallet;
• receive contact information associated with a contact channel for a recipient of the branch mobile wallet, wherein the contact channel for the recipient is based on contact channel information for a previously established mobile wallet for the recipient;
• receive a request to send the branch mobile wallet to the recipient;
• determine the recipient does not have a mobile wallet application for the branch mobile wallet;
• in response determining the recipient does not have the mobile wallet application, send a request to the recipient to download the mobile wallet application;
• establishing a communication channel between the main mobile wallet residing on the system and a mobile wallet residing on a recipient device;
• after receiving the request, directly send activation information to the recipient over the communication channel that is different than the contact channel;
• receive a reply that includes the activation information from the recipient;
• establish the branch mobile wallet on the recipient device with a plurality of wallet items, based on the selection of one or more wallet items, after receiving the reply to the activation information;
• and
• transmit a command to disable a wallet item of the plurality of wallet items at the branch mobile wallet on the recipient device.