In its new complaint against Walmart (2:21-cv-00126), plaintiff Mobile Equity Corp. (d/b/a QRUZ) pleads that “[a]llowance rates for FinTech-related inventions are low” and that the USPTO’s “allowance of patents in the FinTech technology area thus reflects that the patents are valid and claim eligible subject matter”. Two patents, generally related to mobile payment systems, are asserted in Mobile Equity’s complaint, targeting Walmart Pay, the plaintiff further alleging that in 2009 it filed a provisional application for “a novel and cost-effective technical structure for conducting mobile payment transactions, making them more secure, convenient, and efficient”—“years before Apple Pay, Samsung Pay, and Walmart Pay”.