Payment credentials for use in mobile wallets are stored on a user’s mobile device through a provisioning process. When a user switches devices, the new mobile device has to be provisioned with the user’s payment credentials to enable mobile wallet functionality on the new device. Such provisioning can be cumbersome. This disclosure describes secure transfer of payment credentials between mobile devices by physically tapping the devices together. A new mobile device is configured as a payment terminal. The user is instructed to tap the old mobile device against the new mobile device. Upon tapping, the old mobile device transfers payment credentials to the new mobile device. The credentials are verified by the card issuer. Upon verification, the payment credentials are provisioned on the new mobile device. Thus, the techniques enable seamless, rapid, and secure transfer of payment credentials to the new mobile device.
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Kalukiewicz, Roman and Brickell, Justin, "Transfer of payment credentials between devices", Technical Disclosure Commons, (February 28, 2018)