A computer implemented system for a providing participating clients to communicate and/or transact with multiple participating merchants by way of mobile applications via a mobile device, the system comprising:
- at least one client input/output interface integrated within at least one mobile device;
- and
- a system controller having an associated memory with processor executable code stored thereon, the system controller configured for operative communication with the mobile device via a network, the system controller being configured for operative communication with at least one merchant system controller of at least one participating merchant via a network, the merchant system controller hosting a mobile application for being downloaded within a mobile device providing for clients to communicate and or transact with the at least one participating merchant;
- wherein execution of the processor executable code causes the system controller to perform real time computer implementable steps of:
- determining a geographic location of the at least one mobile device via a location application in the memory of the mobile device and accessible thereto via the input/output interface;
- determining whether the at least one mobile device is within a predetermined proximity level of a commercial location associated with the at least one merchant system, wherein the commercial location is stored within the memory of the system controller or accessible thereto via the at least one merchant system controller;
- accessing the mobile application hosted by the at least one merchant controller system when the at least one mobile device is within the predetermined proximity level;
- displaying the mobile application via the input/output interface;
- providing for the user to enter inputs and receive outputs via the mobile application without downloading the mobile application within the mobile device memory.