PNC Financial Group (PNC Bank) (2:20-cv-01884) has filed a Western District of Pennsylvania declaratory judgment action against Kioba Processing, LLC, an entity associated with Georgia monetization firm IP Investments Group LLC (d/b/a IPinvestments Group). PNC seeks a declaratory judgment of noninfringement of three of Kioba’s seven patents-in-campaign as to various of its online banking products and services. In a recent motion to dismiss the complaint filed against it, prior defendant Discover characterizes Kioba’s asserted patents as “[w]ritten at the turn of the century when the Patent Office was unusually permissive”, as claiming “processes that involve multiple independent parties”, and/or as asserting “intellectual property rights in such commonplace ideas as selecting a bank account to pay a bill or authenticating a customer with a pre-selected phrase”.