International Business Machines Corporation

Daniel J Finley

William M Houston

Christian Toft-Nielsen

Martina L Kim

Randy B Klipstein

Louis Guglielmo

Joseph L Simons

The present invention provides a method, system, and computer program product for the on-demand creation and distribution of customized dynamic contracts. At least one business opportunity is extracted from an opportunity database. For each extracted business opportunity, a credit score for a customer associated with the extracted business opportunity is obtained and a dynamically modifiable contract for the extracted business opportunity is generated. The dynamically modifiable contract is distributed to a contact associated with the extracted business opportunity, who presents the dynamically modifiable contract to the customer associated with the extracted business opportunity. The contact can modify the dynamically modifiable contract, if necessary, during negotiations with the customer, to provide a contract that is acceptable to the contact and the customer.

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Danbury, CT, United States of America

Daniel J Finley