Abstract: A simple, non-intrusive, fraud free payment method for customers to make Internet purchases without using credit cards or revealing personal information. Customers can purchase any specific dollar amount of pay codes via on-line purchase by logging into their financial institution and purchasing the codes, via phone banking (using mobile phone or fixed telephone line) or via Automated Teller Machine (ATM). There is no need for the customer to first open an account with the payment service. The easy and fast set-up of a secure payment gateway for website merchants to receive payments for their goods purchased at their websites, eliminates the need of setting up a merchant account, chargeback and being penalized by banks for chargeback on sales. The amount due to the web merchant from the Internet transaction is credited directly into the merchant's bank account when the transaction and payment is approved by the customer's bank.

Abstract: A dual screen presentation notebook having components that are integrally connected together to allow easy viewing of presentation materials without the users having to sit side by side craning their necks close together facing the same direction but instead can face opposite one another. When the dual screen presentation notebook is switched on, users can either (i) view identical or mirror images of the presentation materials or (ii) different images on the two monitor screens. The dual screen presentation notebook can be easily converted into a tablet computer and can also be used for other applications such as viewing electronic book, electronic photograph and images, videos, movies, etc.

Abstract: A dual screen presentation notebook having components that are integrally connected together to allow easy viewing of presentation materials without the users having to sit side by side craning their necks close together facing the same direction but instead can face opposite one another. When the dual screen presentation notebook is switched on, users can either (i) view identical or mirror images of the presentation materials or (ii) different images on the two monitor screens. The dual screen presentation notebook can be easily converted into a tablet computer and can also be used for other applications such as viewing electronic book, electronic photograph and images, videos, movies, etc.