Abstract: A bottle assembly for carrying a gift item of value is disclosed. The bottle assembly includes a bottle having a side wall and a bottom wall coupled to the side wall. The side wall and the bottom wall define an interior of the bottle for holding a liquid. The side wall defines an open end for receiving the liquid and the bottom wall defines a closed end opposite the open end. The bottle further defines a cavity in the side wall for holding the gift item. The bottle assembly further includes a cover removably secured to the bottle for covering the cavity and retaining the gift item within the cavity. The bottle assembly further includes a locking mechanism for securing the cover to the bottle. The locking mechanism has a first locking member mounted to the bottle and a second locking member mounted to the cover.

Abstract: A bottle assembly for carrying a gift item of value is disclosed. The bottle assembly includes a bottle having a side wall and a bottom wall coupled to the side wall. The side wall and the bottom wall define an interior of the bottle for holding a liquid. The side wall defines an open end for receiving the liquid and the bottom wall defines a closed end opposite the open end. The bottle further defines a cavity for holding the gift item. The bottle assembly further includes a cover removably secured to the bottle for covering the cavity and retaining the gift item within the cavity. The bottle assembly further includes a locking mechanism for securing the cover to the bottle. The locking mechanism has a first locking member mounted to the bottle and a second locking member mounted to the cover. The first locking member aligns with the second locking member and the second locking member engages the first locking member for interlocking the locking members.

Abstract: A service system for facilitating payment to a vendor of products over a network. The products are supplied to a buyer. The system includes an invoice having a base invoice amount with an amount of penalty funds calculated from the base invoice amount when the invoice is not paid in a timely manner. An application is submitted to an investor via the network for enrolling the vendor in the service system. At least one installment is disbursed from the buyer and received by the investor over the network. At least one payment is disbursed from the investor and received by the vendor over the network wherein the payment is equal to the base invoice amount thereby allowing the vendor to receive 100% of said base invoice amount.