Software as a service (SAAS) and cloud computing featuring computer software and software platforms for customer relationship and electronic customer relationship management, business analytics, data visualization, predictive analytics, and for use in performing intelligent trigger-based targeting and analytics operations, providing actionable insights, compliance and providing intelligent data information and sales based tactics; platform as a service (PAAS), software as a service (SAAS) and cloud computing featuring computer software and software platforms for providing actionable insights and intelligent conversation and sales processing, automation, automation engines, custom events and insights, dynamic content creation; software as a service (SAAS) featuring computer software and software platforms for collecting, analyzing, storing, tracking, reporting, and managing data analytics information derived from multiple input sources, events, and triggers in the fields of customer service, customer information, and intelligent event and human interaction processing and actionable insights; application service provider featuring application programming interface (API) software and artificial intelligence for customer relationship management (CRM), key performance indicators and electronic customer relationship management, business analytics, data visualization, predictive analytics, compliance and for use in performing intelligent trigger-based targeting and analytics operations, providing actionable insights, and providing intelligent data information and tactics in the fields of consumer contact customer retention and sales; online customer interface service tool