Abstract: A flight of stairs (22) and a slide (26) with respective top ends (23, 27) adjacent to each other and spanned by a platform (29). Respective bottom ends (48, 46) are adjacent to each other. A hand grip mounting portion (32) of the apparatus has a horizontal upper surface (33) within 3 feet or preferably within 16-22 inches above a floor (60) for sitting in preparation for dips. One or more pairs of hand grips (34, 36, 37) extend outwardly at an angle of 0-40 degrees from such mounting portion within 6 inches below the horizontal surface (33) or preferably within 3 inches. The grips are retractable (36) into or against the mounting portion (32). The slide (26) may have a peak (28) that increases headroom for inclined pushups on handgrips (37) below it. Other exercise devices (54, 56, 59) may be attached for multiple concurrent users.

Abstract: A system that allows multiple discount and other coupon issuers to create and issuer electronic coupons to recipients on a single coupon card the recipient has. The coupon recipients benefit by not having to carry around one card for each coupon issuer, in addition, the recipient can access one coupon account online to see the entire available coupons on their card.

Abstract: A means for companies to promote products or services to their customers, the general public or any group of users it provides its software to. This invention is particularly useful to financial and marketing companies to allow them to create private channels through which they can market their products or services to the software users.

Abstract: A software system that is used by consumers with electronic communications systems such as email or instant messaging, and an account such as a checking account to leverage these systems to transfer funds electronically to other consumers and businesses with similar electronic communications systems and to receive and pay bill electronically. Electronic funds transfers and bills are electronically signed (20A-D, 61) using the funds transfer creator's private electronic signature key. Keys are based on Public Key Infrastructure specification and include algorithms such as Diffie-Hellman or RSA Pat No 4,405,829. Bills and funds transfers are validated using its creator's public key.

Abstract: A software system that produces secure and easy to distribute electronic gift certificates. Electronic gift certificates that are electronically signed (18) using the certificate issuer's public and private electronic signature keys. The keys are based on Public Key Infrastructure algorithms such as Diffie-Hellman or RSA U.S. Pat. No. 4,405,829. Issuers of these certificates will have established relationships with vendors, entities who will exchange goods/services for the face value of the certificate. The issuer's public key, which is used to validate a certificate, is sent to vendors (35). When a certificate recipient presents the certificate to the vendor for redemption (43), the software uses the issuer's public key that was given to the vendor to validate the certificate (40). The vendor software submits the redeemed certificate to the issuer (44) so that the vendor can be reimbursed.