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Software as a service (SAAS) services featuring software for use by HVAC service providers for the purpose of financing assistance in the nature of processing customer payments, increasing sales efficiency for the purpose of improving sales conversions and revenues, system design in the nature of designing a domestic or industrial HVAC system, and increasing the efficiency of business processes in the HVAC industry; Software as a service (SAAS) services featuring software for use by HVAC service providers using artificial intelligence for automation of business processes, system design in the nature of designing a domestic or industrial HVAC system, and increasing the efficiency of business processes in the HVAC industry; none of the foregoing for use in the design, development, and implementation of internet of things (IoT) systems; none of the foregoing for use in the fields of manufacturing operations, shipping and logistics, and resource management