Software as a Service (SaaS) featuring computer software platforms and an array of Internet of Things (IoT) location sensors for use in determining the risk profile for an individual or population of persons of viral or other contagion exposure based on either (1) direct proximity contact or (2) temporal location sharing in a commercial setting, such as a school, hotel or other lodging, healthcare facility or other commercial or general business setting. Data is analyzed and a risk score dete...