Abstract: A paperless coupon redemption system, consisting of manufacturers or distributors loading coupons into a database for use by consumers. Consumers being able to access an internet interface to view, find and select coupons, and redeem them at the point of sale with an issued PVC card containing a unique reference number. The point of sale terminals are equipped with a hardware or software module which facilities the interaction between the POS machines and coupon database. The hardware and software modules work by collecting the UPC codes of products to be purchased, and transmitting these to a server along with the customer reference number. The server returns the UPC codes of applicable coupons, which are then transmitted into the POS system.