The vendor mobile application will have a specific section for Merchant/Vendor login where the login information will be provided through the solution administrator portal as part of the vendor contract information. Once the merchant/vendor logs in, he will be presented with one option to scan QR code of physical card or QR code of registered user through User APP, and view the result of the scan as being an information of card, card status (valid/invalid) and the name of the user as part of the database record. The mobile app will enable Marchant/vendor to login by access credential provided by admin. The mobile app will allow vendor to scan QR code and view the result (card info as a card number, card category, valid/invalid, user, discount ratio). Once vendor choose to scan QR code, the mobile Camera of vendor will opened to scan QR code of user and then the result (card info) should be displayed.