Providing online, non-downloadable software for workflow and data management; Software-as-a-service (SAAS) services featuring software for workflow and data management; Providing online, non-downloadable workflow and data management software for improving accounts payable workflow; Providing online, non-downloadable software for managing, analyzing, reporting, and processing invoices, accounts payable, and payments; Providing online non-downloadable software for collaboration and communication in the field of accounts payable, namely, software for sharing, managing, tracking, and displaying electronic data among users, and for exchanging electronic messages relating to such data; Providing online non-downloadable software featuring artificial intelligence for managing, analyzing, reporting, and processing invoices, accounts payable, factoring, dynamic discounting, reverse factoring and payments