1. A system for providing user information to a merchant, the system comprising: at least one memory device storing computer executable code; at least one processing device to execute the computer executable code to cause the processing device to: receive and storing user information in a user file, wherein: the user information is selected by a user; the user information comprises user identification information comprising name information and contact information comprising a preferred email address and phone number; and storing the user information comprises storing a plurality of user profiles each associated with some or all the user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile; receive a request from a merchant for some or all of the user information stored in the plurality of user profiles in response to the merchant reading a readable indicia specifying the user profile associated with the request, the readable indicia presented by a user using a mobile device, wherein reading the readable indicia further comprises: determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile; receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and validating the one or more received authentication credentials; store the determined user profile in a user file; in response to the request for some or all the user information, retrieve the requested information and transmit the requested information to the merchant; initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile; receive updated user information from the user; and store the updated user information in the user profile.