Decided to post from Chases eBook, the way social leaders, and veteran men handle challenges differs, but according to Chase, there are 4 main responses: challenging back, dismissal, self-deprecation, and invitation. Of the four, I tend to use all except the second.
Challenging back is when you respond to her question with a question which puts the ball back in her court, and you usually come off as an asshole or smartass.
Dismissal is simply continuing talking as if the challenge she made was never even mentioned in the first place.
Self deprecation is joking about something seemingly serious and it pokes fun of your own value.
Invitation is taking her challenge and using it as a stepping stone to get her to do something with you, and for your case, I would use this to benefit you.
She said "You do only want to talk right? Not just get me back to my place?"
You could say something like "Let's set something up and find out."
Enjoy,
Richard