US Patent 11836793 Invoice deferral recommendation

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.