WBA has recently learned that a Patent Assertion Entity (PAE), Sapphire Crossing LLC, is filing lawsuits against Wisconsin financial institutions alleging patent infringement relating to image transfer technology whereby a mobile electronic device is used to photograph a check, then displays the image on the device with a menu of options that may be selected to accomplish a particular task with that image, (e.g. deposit of the check). The suits seek to recover damages for the purported infringement, along with attorney fees, and other costs and expenses. WBA is aware that some of the suits have already been dismissed due to a contractual provision their core processor negotiated with the patent holder for an enterprise license whereby the PAE is prohibited from filing a patent infringement suit for patent infringement against any institution that uses that core processor.