1. A method comprising: receiving an account balance inquiry response message using a mobile phone, wherein the mobile phone comprises a contactless element that is configured to communicate with a contactless reader in a point of sale terminal, and wherein the account balance inquiry response message provides an account balance for an account associated with the mobile phone, the mobile phone being operated by a consumer; receiving a transaction alert message using the mobile phone, wherein the transaction alert informs the consumer that a transaction has occurred using the account; and receiving an offer message, wherein the offer message provides a benefit for the consumer if the consumer uses the mobile phone to a conduct predetermined transaction.