Abstract: An apparatus for attaching a retractable poker to a cigarette lighter holder for unclogging tobacco pipes. An apparatus in accordance with the present invention comprises an inner geometric profile conforming to an outer shape of a cigarette lighter, a hollow chamber within the cigarette lighter holder for holding a retractable rod, and said retractable rod is longitudinally movable to extend along a vertical profile of the cigarette lighter holder to allow the rod to be physically extruded from the cigarette lighter holder.

Abstract: There is provided a claim management system capable of enabling a customer utilizing a credit card settlement to determine a financial institution for settlement and a settlement method after the time of purchasing goods. When the customer selects deferred determination of a settlement financial institution and a settlement scheme in utilizing the credit settlement, the claim management system independent of individual financial institutions manages a claim vested in the customer. The claim management system periodically inquires the customer of the determination of a settlement financial institution and a settlement scheme and when the customer selects further deferment of the determination, requests the customer to pay interest.