Providing access to on-line non-downloadable software for guided and automated predictive and prescriptive analysis and interpretation of of business data; providing access to on-line non-downloadable software that enables users to predict and optimize business outcomes based on statistical patterns in data; providing access to non-downloadable software for computing statistical patterns in data using machine learning and data mining techniques; providing access to application programming interface (API) software for developing decisions support tools and systems; Cloud computing infrastructure and applications for large scale analysis go business data