Software as a service (SAAS) services, platform as a service (PAAS) services and providing temporary use of online non-downloadable, namely, hosting software for use by others for virtualizing decision making and integrating business practices, business systems and human users with complex software systems, for implementing artificial intelligence for use in data transformation and management, for administration of computer networks and distributed systems consisting of either human intelligence or artificial intelligence with digital or hardware platforms, for gathering data from humans for analysis and processing, for automatically capturing data from humans for analysis and processing, for allowing business computers to interact directly with consumers to capture and provide information, and for use as artificial intelligence for use in customer communications