So far in March, Caselas, LLC, one of several entities controlled by prolific inventor Raymond Anthony Joao, has sued Capital One, Comerica (Comerica Bank), Cullen/Frost Bankers (Frost Bank), Randolph-Brooks Federal Credit Union, SVB Financial Group (Silicon Valley Bank), and Wells Fargo in the Western District of Texas and Barksdale Federal Credit Union, Eastex Credit Union, and Heartland Payment Systems in the Eastern District of Texas. The five patents-in-suit generally relate to processing information related to an individual’s financial history (including “charge-backs”) prior to a transaction and transmitting it to the merchant, with the defendants accused of infringement through the provision of financial products and services (e.g., payment cards and electronic payment processing services). At issue are features for authorizing and processing electronic transactions.