ALEXANDRIA, Va., June 16 -- United States Patent no. 12,306,990, issued on May 20, was assigned to Capital One Services LLC (McLean, Va.).

"Method and system for protecting user information in an overlay management system" was invented by Jeremy Phillips (Brooklyn, N.Y.) and Zachary Podbela (Muttontown, N.Y.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Methods and systems described herein provide for protecting user information in an overlay service. Protecting user information may include redacting personally identifiable information (PII) from information that may be exposed to third parties. Additionally, protecting user information may include opening a second account on behalf of the user using a plur...