Abstract: An economically viable virtual payment system and method for creating and processing donations and payments, even for micro donation payments to a Merchant, which operates on any of multiple electronic communications platforms e.g., PC, Apple, Linux and platforms such as BlackBerry OS, iPhone OS, Windows Mobile and Google Android and through the world wide web and mobile web. Micro donation payments are cumulated in a virtual money receptacle up to a pre-determined amount which triggers electronic transfer of the cumulated funds to the Merchant.

Abstract: A method (and device so formed) for adapting a skin type decorative and protective case customized for fitting a hand held electronic device having a viewing screen and/or keyboard and configured for remaining on the device during use of the device. The method comprises the steps of forming the skin with a slot for insertion of thin items such as credit cards and money into a pocket either between walls of the case or between a wall of the case and an electronic device inserted in the skin case. The pockets are provided with elements to minimize any change of appearance of the original profile and elements for assisting in removing the items from the snug pocket element. The pockets further include elements for maintaining the integrity thereof relative to the remainder of the casing. The pocket may alternatively be directly integrated as part of the device housing.