"I just checked out Chase Patent US 7,480,631. Considering BILSKI's case that was discussed here in FINEXTRA, I would consider Chase's receiving a patent for this completely amazing. I also suspect that it would be easy to challenge this patent based on Federal Circuit's court affirming the USPTO's rejection of BILSKI's patent application. Chase's patent claims start out as : "A method for detecting and processing fraud and credit abuse, the method comprising: receiving a telephone call from a caller…" and its third claim goes… "3. The method according to claim 1 further comprising: determining the caller's state of mind; and generating the series of questions based at least in part on the caller's state of mind." "