A method comprising: a) receiving, by an authorizing entity computer, from a mobile device, a message including a value, a second access credential associated with a second account, and a non-transactable product identifier associated with a removable marking element in the form of a temporary tattoo adapted to adhere to skin of a user, wherein the non-transactable product identifier is obtained by the mobile device by obtaining a machine readable code associated with the removable marking element, and wherein the removable marking element includes an integrated circuit that is configured to transmit a transactable first access credential associated with a first account over a wireless communication channel to an access device during a transaction, wherein the first account is associated with the removable marking element and wherein the non-transactable product identifier and the transactable first access credential are provided to the removable marking element by the authorizing entity computer; b) identifying, by the authorizing entity computer, the first account based on the non-transactable product identifier; c) loading, by the authorizing entity computer, the first account with the value from the second account based on the second account credential; d) receiving, by the authorizing entity computer, from the access device, a transaction request message including the first access credential after the removable marking element is applied to the user's body and presented to the access device for a transaction, wherein the access device obtains the first access credential from the removable marking element; e) identifying, by the authorizing entity computer, the first account based on the first access credential; f) authorizing, by the authorizing entity computer, the transaction based on the first account and the value on the first account; and g) sending, by the authorizing entity computer, to the access device, a transaction response message indicating that the transaction is authorized. a) receiving, by an authorizing entity computer, from a mobile device, a message including a value, a second access credential associated with a second account, and a non-transactable product identifier associated with a removable marking element in the form of a temporary tattoo adapted to adhere to skin of a user, wherein the non-transactable product identifier is obtained by the mobile device by obtaining a machine readable code associated with the removable marking element, and wherein the removable marking element includes an integrated circuit that is configured to transmit a transactable first access credential associated with a first account over a wireless communication channel to an access device during a transaction, wherein the first account is associated with the removable marking element and wherein the non-transactable product identifier and the transactable first access credential are provided to the removable marking element by the authorizing entity computer; b) identifying, by the authorizing entity computer, the first account based on the non-transactable product identifier; c) loading, by the authorizing entity computer, the first account with the value from the second account based on the second account credential; d) receiving, by the authorizing entity computer, from the access device, a transaction request message including the first access credential after the removable marking element is applied to the user's body and presented to the access device for a transaction, wherein the access device obtains the first access credential from the removable marking element; e) identifying, by the authorizing entity computer, the first account based on the first access credential; f) authorizing, by the authorizing entity computer, the transaction based on the first account and the value on the first account; and g) sending, by the authorizing entity computer, to the access device, a transaction response message indicating that the transaction is authorized.