For off-body carry, I have a purse with a velcro holster inside, it looks like this:
https://www.guntotenmamas.com/cgi-bin/c ... GTM0099ZBR
It's made out of a ballistic material to make it harder to cut the shoulder strap. It doesn't offer a lot of room for other items though, which is why I also have one of these made by Galco:
http://www.amazon.com/Galco-PANBLK-8-Pa ... B003UGRQ3U
I've found through experience however that on-body carry is preferable. I was getting pretty paranoid about my purse when it wasn't in direct line of sight, and who knows if I'd be able to get into it in case of emergency.