Consulting services in the field of software as a service (SAAS); software as a service (SAAS) services, namely, hosting software for use by others for use in database management, for customer relationship management, for improving online advertisement, for targeting consumers, for personalizing consumer experiences and cloud storage of data; software as a service (SAAS) services featuring software for linking data from various online and offline sources to gather online consumer behavior information; development and implementation of software, hardware and technology solutions for the purpose of database management, for customer relationship management, for improving online advertisement, for targeting consumers, for personalizing consumer experiences and for cloud storage of data; Providing virtual computer systems and virtual computer environments through cloud computing; providing customer-defined generated content and content of others automatically selected and customized based on data from previous transactions of a specific internet, mobile telephone or other wired or wireless digital network based customer or group of customers