Software application that allows merchants to deliver coupons, rebates, discounts, vouchers and special offers directly to the mobile telecommunications devices of consumers; software application that allows merchants to deploy smart posters in retail and wholesale in-store locations that consumers can tap with their mobile telecommunications devices to access coupons, rebates, discounts, vouchers and special offers; software application that allows contactless payments; software application that allows for hosting of loyalty card credentials onto mobile telecommunication devices; software application that merchants can deploy to allow consumers to digital transfer coupons, rebates, discounts, vouchers and special offers from websites, emails or other digital medium directly to their mobile telecommunications devices