Abstract: A handle for use with a luggage includes an elongated body and at least two extendable arms that move from a closed first position wherein the arms substantially encompass the body to an open second position wherein the arms extend away from the body by means of a pivot that secures the body to the arms, thereby providing a device for hanging clothes. The body has a substantially isosceles trapezoid face wherein the narrower dimension is positioned toward a bottom of the handle and the wider dimension to the top of the handle, thereby providing ends of the body angled from around 10 to around 20 degrees from the vertical, and wherein the angled ends of the body include the pivot such that when the arms are in the second open position, the arms are angled downwards.

Abstract: A secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component (53) immediately evaluates the buyer's application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order goods, services, or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies a commerce gateway component (52), which, in turn, notifies the credit processing server, which applies the charges to the buyer's virtual payment account.

Abstract: A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider when the PPP connection is established using a premium telephone number assigned and administered by the telephone service provider.

Abstract: A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes an Internet connection to a billing server. A billing server component transfers an encrypted version of the product to the plug-in component. The plug-in component then disconnects from the Internet and establishes a point-to-point (PPP) connection with the billing server. During the PPP connection, the billing server component transfers an access key assigned to the order to the plug-in component so that the plug-in component may decrypt the product. The consumer is charged a unit rate or “drop-charge” for the product by the telephone service provider when the PPP connection is established using a premium telephone number assigned and administered by the telephone service provider.

Abstract: A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment system is a secure, closed system comprising registered sellers and buyers. A buyer becomes a registered participant by applying for a virtual payment account. Likewise, a seller becomes registered by applying for a seller account. A buyer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the buyer's virtual payment card application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account.

Abstract: A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment system is a secure, closed system comprising registered sellers and buyers. A buyer becomes a registered participant by applying for a virtual payment account. Likewise, a seller becomes registered by applying for a seller account. A buyer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the buyer's virtual payment card application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account.

Abstract: A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment system is a secure, closed system comprising registered sellers and buyers. A buyer becomes a registered participant by applying for a virtual payment account. Likewise, a seller becomes registered by applying for a seller account. A buyer can instantly open an account on-line. That is, the credit processing component (53) immediately evaluates the buyer's virtual payment card application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account.