Abstract: The present invention discloses a consolidated merchant programs system comprising at least a merchant node operated by a merchant; at least a mobile consumer node operated by a consumer; a server having a user interface to provide an online platform for the merchant to launch one or more merchant programs through the merchant node; a merchant code generated by the server based on the merchant program; a primary consumer code generated by the server and assigned to the consumer as an identity of the consumer; the primary consumer code is downloaded to the consumer node upon signing up for a consumer account on the system; and a secondary consumer code containing data of the merchant program enrolled by the consumer and the identity of the consumer; the secondary consumer code is generated through capturing the primary consumer code by the merchant node and sending the primary consumer code and merchant code by the merchant node to the server for processing to generate the secondary consumer code or through ca