International Business Machines Corporation

Khalid Siddiqui

Gyana Ranjan Parija

Sudhanshu Shekhar Singh

Rakesh Rameshrao Pimplikar

Shrihari Vasudevan

Magesh A Narayanan

Didier Denove

Jasmina Mohorn

Shweta Garg

One embodiment provides a computer implemented method, including: receiving information corresponding to a customer of a seller, wherein the information is related to credit information of the customer; generating a credit attribute for the customer with respect to the seller, wherein the generating includes utilizing a plurality of artificial intelligence agents that each analyze at least a subset of the information to each generate an agent version of the credit attribute; and recommending a deferral of at least a portion of a pending invoice of the seller for the customer, wherein a value of the deferral is based upon the credit attribute.

Invoice deferral recommendation

One embodiment provides a computer implemented method, including: receiving billing information related to a billing contract of a customer of a seller, wherein the billing contract identifies amounts of invoices and an invoice frequency; identifying, utilizing one or more artificial intelligence agents, one or more risk factors associated with generation of a pending invoice based upon the billing information; and recommending, utilizing the one or more artificial intelligence agents, a generation date for the pending invoice based upon the one or more risk factors, wherein the recommending includes selecting a generation date to facilitate timely payment of the pending invoice by the customer.

Invoice generation recommendation

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Cracow, Poland

Khalid Siddiqui