COMMERCIAL BENEFICIARY PROFILES FOR TRANSACTIONS

1 . A computer system for facilitating transactions using commercial profiles, comprising:

one or more processors; and

non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to:

create a commercial profile for a first party to a transaction;

cryptographically secure the commercial profile;

allow the commercial profile to be selected by a second party to initiate the transaction; and

facilitate the transaction between the first party and the second party using information in the commercial profile of the first party.

2 . The computer system of claim 1 , wherein the commercial profile includes a name and a payment type for the first party.

3 . The computer system of claim 2 , wherein the commercial profile is configured according to a schema that is centralized, normalized, and interoperable across the computer system.

4 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to receive selection of the commercial profile by the second party through an application programming interface.

5 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to assign a cryptographic identity token to the commercial profile.

6 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to automatically reconcile the transaction between the first party and the second party.

7 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to use identity keys associated with the commercial profile to commit a record to a repository.

8 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to generate a trend based upon a metric associated with the commercial profile.

9 . The computer system of claim 8 , wherein the metric is one of an industry type and a payment type.

10 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to:

generate a user interface including a plurality of commercial profiles including the commercial profile of the first party; and

allow the second party to select the commercial profile of the first party from the plurality of commercial profiles on the user interface.

11 . A method for facilitating transactions using commercial profiles, comprising:

creating a commercial profile for a first party to a transaction;

cryptographically securing the commercial profile;

allowing the commercial profile to be selected by a second party to initiate the transaction; and

facilitating the transaction between the first party and the second party using information in the commercial profile of the first party.

12 . The method of claim 11 , wherein the commercial profile includes a name and a payment type for the first party.

13 . The method of claim 12 , wherein the commercial profile is configured according to a schema that is centralized, normalized, and interoperable across the method.

14 . The method of claim 11 , further comprising receiving selection of the commercial profile by the second party through an application programming interface.

15 . The method of claim 11 , further comprising assigning a cryptographic identity token to the commercial profile.

16 . The method of claim 11 , further comprising automatically reconciling the transaction between the first party and the second party.

17 . The method of claim 11 , further comprising using identity keys associated with the commercial profile to commit a record to a repository.

18 . The method of claim 11 , further comprising generating a trend based upon a metric associated with the commercial profile.

19 . The method of claim 11 , further comprising:

generating a user interface including a plurality of commercial profiles including the commercial profile of the first party; and

allowing the second party to select the commercial profile of the first party from the plurality of commercial profiles on the user interface.

20 . A computer system for facilitating transactions using commercial profiles, comprising:

one or more processors; and

non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to:

create a commercial profile for a first party to a transaction, wherein the commercial profile includes a name and a payment type for the first party, and wherein the commercial profile is configured according to a schema that is centralized, normalized, and interoperable across the computer system;

cryptographically secure the commercial profile;

assign a cryptographic identity token to the commercial profile

use identity keys associated with the commercial profile to commit a record to a repository;

allow the commercial profile to be selected by a second party to initiate the transaction;

facilitate the transaction between the first party and the second party using information in the commercial profile of the first party;

automatically reconcile the transaction between the first party and the second party; and

generate a trend based upon a metric associated with the commercial profile, wherein the metric is one of an industry type and the payment type.