Integrated profile and payment exchange

A computer-implemented integrated profile and payment system, the system comprising:

• a communication module to receive, via an interface with a member merchant, universal credentials to be provided by a member customer;
• an authentication module to authenticate the member customer based on the universal credentials, each member customer having a pre-established customer account;
• the communication module to further receive a further request to process a payment for one or more items purchased by the merchant customer from the member merchant;
• a processing module to process the payment by charging one or more payment instruments associated with the pre-established customer account;
• a record processing module to generate a payment record related to the payment and to associate the payment record with the member merchant;
• an aggregator to selectively aggregate the payment with further payments associated with the member merchant into an aggregated payment;
• and
• a payment module to make the aggregated payment into an account associated with the member merchant.

A machine-readable medium comprising instructions, which when implemented by one or more processors, perform the following operations:

• receive, via an interface with a member merchant, universal credentials to be provided by a member customer;
• authenticate the member customer based on the universal credentials, each member customer having a pre-established customer account;
• receive a further request to process a payment for one or more items purchased by the member customer from the member merchant;
• process the payment by charging one or more payment instruments associated with the pre-established customer account;
• generate a payment record related to the payment;
• associate the payment record with the member merchant;
• selectively aggregate the payment for purchases associated with the member customer account;
• selectively aggregate the payment with further payments associated with the member merchant into an aggregated payment;
• and
• make the aggregated payment into an account associated with the member merchant.