Victorian Era (?) Velvet and Carved Shell Photo Frame

Possibly victorian era handmade velvet photo frame with what appears to be carved shell. The name Lujza Gruber is written on the back. She lived from 1865-1936. The photo is quite different to the ones I am familiar with. It's almost more like a postcard. I'd love to know what your opinion is of the photo and frame. Thanks :)