Patent ID: 7980464

Claim:
A computer-implemented method comprising: receiving account identification information; receiving a personal identification code from a user of a bank card machine; using the account identification information to identify a bank account; determining whether the received personal identification code matches a first personal identification code associated with the bank account; performing a verification procedure to determine whether the user intended to enter a personal identification code that matches the first personal identification code, if it is determined that the received personal identification code matches the first personal identification code, wherein performing the verification includes, displaying a reduced balance that is significantly lower than the actual balance of the bank account, and determining that the user intended to enter the personal identification code that matches the first personal identification code if the user continues with a transaction after the reduced balance is displayed; and initiating one or more fraud protection procedures, if it is determined that the received personal identification code matches the first personal identification code and if it is determined through the verification procedure that the user intended to enter a personal identification code that matches the first personal identification code.