Breakthrough patent for something that can be done manually

"Chase Card Services, the credit card division of JP Morgan Chase & Co. [NYSE:JPM], announced that it recently received a patent from the United States Patent Office for its breakthrough fraud prevention technology, First Watch Intelligence."

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. "

After reading the remainder of its claims, I don't see how this First Watch Intelligence can be more intelligent than a system that enables cardholders to systematically enter their own user limits and prohibitions (turn on / off their card accounts).