35 IBA¿ S OR INTELLIGENT BUSINESS AGENTS IBA¿ S ARE ACTIVE OBJECTS IN A SOFTWARE PROGRAM THAT ARE A SOPHISTICATED REPRESENTATION OF ANY TANGIBLE OR INTANGIBLE CONCEPT IBA¿ S ACT AS A PROXY OR REPRESENTATIVE FOR THINGS IN THE REAL WORLD SUCH AS PEOPLE, PLACES, MONEY, MARKETS, BUSINESS PROCESSES, INVOICES AND JUST ABOUT ANYTHING THAT SOMEONE CAN THINK OF ANY IBA OR SET OF IBA¿ S CAN BE PLUGGED INTO OR RELATED TO ANY IBA JUST LIKE CHILDREN¿ S BUILDING BLOCKS TO CREATE ANY BUSINESS MODEL, SOFTWARE APPLICATION OR ELECTRONIC COMMERCE SYSTEM