btcoal

In my limited experience: no. I'm sorry but $40k pre-tax is not a liveable salary in SF or any medium-->big city.

"CyberSource's patented invention is simple: when validating online credit card purchases, use IP address information (such as IP addresses) as a check against fraud. Thus, the patented method might raise a red flag if someone attempts to make a large internet purchase through an IP address that had previously been used for a fraudulent transaction."

IANAL and this is not legal advice, but the guys (probably) that tried to patent this should go f* themselves.