Invoice deferral recommendation

An apparatus, comprising:

• at least one processor;
• and
• a computer readable storage medium having computer readable program code embodied therewith and executable by the at least one processor:
• wherein the computer readable program code is configured to receive, at a credit management agent that communicates with a human agent, information corresponding to a customer of a seller, wherein the information is related to credit information of the customer;
• wherein the computer readable program code is configured to generate, at the credit management agent, a credit attribute for the customer with respect to the seller, wherein the generating comprises 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, wherein each of the plurality of artificial intelligence agents analyzes a different source of information and analyzes the subset of the information corresponding to the different source of information assigned to the artificial intelligence agent, wherein the generating comprises the plurality of artificial intelligence agents communicating among themselves and generating the credit attribute from the agent version of the credit attribute generated by each of the plurality of artificial intelligence agents via a consensus;
• and
• wherein the computer readable program code is configured to recommend, by the credit management agent and to the human agent, 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.

A computer program product, comprising:

• a computer readable storage medium having computer readable program code embodied therewith, the computer readable program code executable by a processor:
• wherein the computer readable program code is configured to receive, at a credit management agent that communicates with a human agent, information corresponding to a customer of a seller, wherein the information is related to credit information of the customer;
• wherein the computer readable program code is configured to generate, at the credit management agent, a credit attribute for the customer with respect to the seller, wherein the generating comprises 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, wherein each of the plurality of artificial intelligence agents analyzes a different source of information and analyzes the subset of the information corresponding to the different source of information assigned to the artificial intelligence agent, wherein the generating comprises the plurality of artificial intelligence agents communicating among themselves and generating the credit attribute from the agent version of the credit attribute generated by each of the plurality of artificial intelligence agents via a consensus;
• and
• wherein the computer readable program code is configured to recommend, by the credit management agent and to the human agent, 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.