Driver data intelligence collection and analysis services using proprietary software to collect and analyze data including driving behavior, location visitation patterns, and application engagement, compiled and analyzed through artificial intelligence and machine learning, combined with online and physical retail, shopping, commerce, and transaction data, as well as other diverse data sets; Data automation, collection, analysis and targeting services using proprietary software, artificial intelligence and machine learning, to capture, evaluate, analyze and collect demographic, psychographic and direct behavioral data from consumer driving patterns and driver users, map user routines, and generate behavior mapping for hyper-personalized engagement in pre driving, during drive, and post drive time frames; Software as a services (SAAS) and Platform as a services (PAAS) providing computer software platforms for data collection, evaluation, and analysis and historical, real time and predictive data pertaining to consumer vehicle drivers; Providing temporary use of online non-downloadable computer software for collecting demographical, psychographic and direct behavioral data on consumer vehicle drivers, including daily driving routines, schedules, routes, time, miles driven, POS visits and dwell time; providing temporary use of non-downloadable software for intelligent management of electronic communications to an end user, namely, phone notifications, emails, text messages, audio messages, and other digital communications