ALEXANDRIA, Va., May 26 -- United States Patent no. 12,639,633, issued on May 26, was assigned to CAPITAL ONE SERVICES LLC (McLean, Va.).

"Systems and methods for automatic decision-making with user-configured criteria using multi-channel data inputs" was invented by Lin Ni Lisa Cheng (Fresh Meadows, N.Y.), Ljubica Chatman (New York), David Gabriele (New York), Tyler Maiman (Melville, N.Y.) and Joshua Edwards (Philadelphia).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems and methods for decision-making with multi-channel data inputs are provided. The system includes a plurality of devices, and a server in data communication with the plurality of devices. The server includes a decision engine, a sentime...