ALEXANDRIA, Va., July 16 -- United States Patent no. 12,361,448, issued on July 15, was assigned to PAYPAL INC. (San Jose, Calif.).

"Systems and methods for integrated multi-factor multi-label analysis" was invented by Yaqin Yang (Santa Clara, Calif.), Nitin Sharma (San Jose, Calif.), Fransisco Kurniadi (Dublin, Calif.) and Yang Wu (Milpitas, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems and methods for integrated multi-factor multi-label analysis include using one or more deep learning systems, such as neural networks, to analyze how well one or more entities are likely to benefit from a targeted action. Data associated with each of the entities is analyzed to determine a score for each of t...