Getting a template is fairly easy.  Select the figure texure map you want and import it into PSP or PS.  Next build two more layers above it.  In the top layer, paint over the areolas in white.

In the layer just below, fill it with black (you should now have two white circles on a black background.  Merge all the layers.  You now have a template.  Save it as a .jpg (NEW NAME)

Put any design you wish in the white circles

In Poser, bring up your figure and in the materials room, click on one of the areolas.  Then in PoserSurface>Diffuse_Color, click on the male plug >new node>2d textures and load your .jpg

The two white circles will cover the figure's areolas.  If you have any design in the circles, they will show up on the figure.

This technique is good for tatoos, eye masks,  gloves, etc.  Jan