Voupon® is a unique, paperless coupon which makes it is easy for consumers to "clip" and redeem money saving offers.  A Voupon® offer, such as a dollar or percentage off is conveniently delivered to a consumer via TV, mobile phone text message, banner ad, print ad or point of sale display.  A consumer accepts the Voupon® simply by pressing a button on their TV remote control, replying via text message, or clicking a banner ad.  The Voupon® is now virtually attached to the consumer's registered credit card.  When the consumer is ready to redeem the Voupon® offer, they can easily visit a brick and mortar or on-line retailer and purchase the item as normal, using their debit or credit card. The Voupon® is automatically redeemed and the discount is credited to the cardholder's CyberDrawer® account.