CONTACTLESS TRANSACTION

摘要

A method associated with a contactless phone. The method includes sending a balance inquiry response message to a mobile phone. The mobile phone includes a contactless element that is configured to communicate with a contactless reader in a point of sale terminal. The account balance inquiry response message provides an account balance for an account associated with the mobile phone. The mobile phone is operated by a consumer. The method also includes sending a transaction alert message to the mobile phone, where the transaction alert message informs the consumer that a transaction has occurred using the account. The method also includes sending an offer message to the mobile phone, where the offer message provides a benefit to the consumer if the consumer uses the mobile phone to conduct a predetermined transaction.