Providing proprietary online non-downloadable and downloadable software programs for businesses to discover, recruit, onboard, engage and optimize commercial relationships with other businesses, namely, affiliates, influencers, mobile application providers, social media platforms, music streaming services, video streaming services, online marketplaces, online consumer review services, online business review services, online discount coupon services, online business loyalty services, online media providers, online direct-to-consumer brands, online subscription businesses, online financial services, online travel services, online retailers, and brands; manage and optimize advertising and marketing expenditures by the businesses involved in these commercial relationships; and protect the businesses from fraud originating from these commercial relationships and online advertising fraud