Software as a service (SAAS) services featuring software for generating and providing summary digests of notes, transcriptions, and extracts from lectures, classes, and training sessions, for use on mobile devices, web browsers, desktop and laptop computers; Providing on-line non-downloadable software for speech-to-text recognition and processing; Providing temporary use of on-line non-downloadable software for generating improved speech-to-text transcriptions of lectures, classes, and training sessions to improve natural language embedding accuracy