JP3013497U - Bankbook - Google Patents

Abstract

(57) [Summary] [Purpose] To provide a savings passbook that not only functions as a book for ordinary savings or time deposits but also has a household accounting function. [Structure] The savings target entry field 2 or the savings plan entry field 11 entered by the user himself / herself on some pages constituting the bankbook.
I decided to set up a household account book column 1 such as.

Description

[Detailed description of the device]

[0001]

[Industrial applications]

 The present invention relates to a bankbook.

[0002]

[Prior art]

 The publicly known bankbook consists only of book pages related to ordinary deposits or time deposits, and there was no additional entry space for users to fill in, especially for household accounts. Therefore, the known passbook has a problem that its usage is extremely limited.

[0003]

[Problems to be solved by the device]

 In view of the above points, the present invention intends to provide not only a book related to ordinary deposits or time deposits but also a passbook with further usage methods. It also has functions.

[0004]

[Means for Solving the Problems]

 That is, the deposit passbook according to claim 1 of the present invention is characterized in that a part of the pages constituting the deposit passbook is provided with a household account column which the user himself fills in.

A deposit passbook according to claim 2 of the present invention is characterized in that, in the deposit passbook according to claim 1, a savings target entry field is provided in a household account field. The deposit passbook according to claim 3 of the present invention is characterized in that, in the deposit passbook according to claim 1, a savings plan entry field is provided in the household account field. Further, the deposit passbook according to claim 4 of the present invention is characterized in that, in the deposit passbook according to claim 1, a column for entering an annual determined amount of expenditure is provided in the household account column.

Further, the deposit passbook according to claim 5 of the present invention is the deposit passbook according to claim 1, in which a column for entering the amount of money related to monthly income, expenditure and utility charges is provided in a graph in the household account column. It is characterized by being The deposit passbook according to claim 6 of the present invention is the deposit passbook according to claim 1, in which, in the household account column, monthly deposit, electricity bill, gas bill, water bill, telephone bill, NHK reception fee, credit card withdrawal amount, It is characterized in that it has a column for entering the amount of expenditure and the total amount of money relating to savings deposits and loans. A deposit passbook according to claim 7 of the present invention is characterized in that, in the deposit passbook according to claim 1, an entry column for withdrawal and payment management regarding a credit card is provided in a household account column.

A deposit passbook according to claim 8 of the present invention is characterized in that, in the deposit passbook according to claim 1, a notebook field having a telephone number entry field is provided. Further, a deposit passbook according to claim 9 of the present invention is characterized in that, in the deposit passbook according to claim 1, a notebook field having a birth date entry field is provided. The deposit passbook according to claim 10 of the present invention is characterized in that, in the deposit passbook according to claim 1, 8 or 9, a household account column or a notebook column is provided on a dedicated page.

A deposit passbook according to claim 11 of the present invention is the deposit passbook according to claim 1, in which a book page relating to ordinary deposits or time deposits is provided on some other pages constituting the deposit passbook, It is characterized in that some or all of the margins of this book page contain information useful for environmental protection or living. Further, the deposit passbook according to claim 12 of the present invention is the deposit passbook according to claim 1, in which a book page relating to ordinary deposits or time deposits is provided on a part of other pages constituting the deposit passbook. It is characterized in that a memorandum section for entry details including a date, content, and amount entry section is provided outside all the entry pages.

Further, the deposit passbook according to claim 13 of the present invention is the deposit passbook according to claim 1, in which a book page relating to ordinary deposits or fixed deposits is provided on some other pages constituting the deposit passbook, It is characterized in that some or all of this bookkeeping page has a watermark picture. Further, the deposit passbook according to claim 14 of the present invention is the deposit passbook according to claim 1, in which a part of other pages constituting the deposit passbook is provided with an entry page for ordinary deposits. It is characterized in that the total amount of each deposit and withdrawal is periodically printed by the device of the financial institution by the user's selection.

[0010]

[Action]

 The deposit passbook of the present invention (Claims 1 to 14) having the above-mentioned configuration has a household account book function by providing a household account book column on a part of the pages of the deposit passbook. By combining with the function of the conventional book page, it becomes possible to comprehensively manage and manage the user's household budget. Therefore, it becomes possible to provide a bankbook with extremely high utility value for users.

[0011]

【Example】

 Next, an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 to FIG. 10 respectively show the description contents or the print contents of the deposit passbook according to the embodiment, and the deposit passbook has the following pages with the back side of the cover page as the first page. I have it.

First page: A publicly known registration stamp stamp field, customer code number entry field, etc. are provided (not shown). 2nd page ... A table of contents column related to the household account column etc. on and after the following 3rd page is provided (not shown). Pages 3 to 4 ... Explains how to use the deposit passbook (not shown).

Page 5 As shown in FIG. 1, as part of the household account column 1, there is provided a savings target entry column 2 entitled "Saving target and plan for this year". The user enters the “savings period” 4, the “target amount” 5, “the target amount” 5, “for each item 3 such as“ travel ”,“ leisure ”,“ marriage ”,“ education ”,“ house ”and“ old age ”in the savings target entry column 2. The “annual reserve amount” 6, “monthly reserve amount” 7, “achievement of annual target” 8, and “total amount” 9 will be entered. “Achievement of annual target” 8 is graphed (bar graph).

5th to 6th pages ... As shown in the figure, similarly, under the title of "Saving target and plan of this year", the savings plan entry field is provided so as to cross the binding line 10 of the deposit passbook. 11 is set. In the savings plan entry field 11, the user can enter the “planned monthly spending amount” 13, the “planned spending amount at the time of bonus” 14 and the “annual spending plan” for each item 12 such as “asset savings” and “funded deposits”. The "amount" 15 and the "planned annual expenditure" 16 for each item 12 are to be entered.

Page 6 ... As shown in FIG. 2, there is provided a column 17 for entering the amount of the fixed expenditure for the year under the heading "How much is the fixed expenditure for the year?" The amount of fixed payments for the year is the amount of fixed payments for the year, such as non-life insurance and national pension premiums, lump-sum payments, asset savings and company deposits deducted from salaries, and car loans that are repaid monthly. The user enters "type / product" 18, "contents" 19, "scheduled payment date" 20 and "amount" 21 in the entry column 17 of the amount of money already decided for this year.

Page 7: As shown in FIG. 3, an entry column 22 for monthly income, expenditure and public utility charges is provided as a graph (a line graph) entitled "Money Wave". Has been. The user will enter "income", "expenditure" and "expenditure on public utility charges" by month in a graph (line graph) in this entry field 22. The utility charge related to this entry field 22 is the total amount of so-called five major utility charges, which are the electricity charge, the gas charge, the water charge, the telephone charge, and the NHK reception charge.

Page 8: As shown in FIG. 4, entitled “Money Memo”, monthly deposit, electricity bill, gas bill, water bill, telephone bill, NHK reception fee, credit card withdrawal amount, and reserve A column 23 is provided for entering the amount of money spent on deposits and loans and the total amount of money. In this entry column 23, the user enters “payment” 24 by month, “electricity bill” 25, “gas bill” 26, “water bill” 27, “telephone bill” 28, “NHK reception fee” 29, “ The credit card withdrawal amount "30", "fund deposits" and "loans" spent amounts 31, 32, and "total amount" 33 will be entered.

Page 9: As shown in FIG. 5, a withdrawal and payment management entry field 34 for a credit card is provided under the title of "withdrawal & payment management memo". The user first fills out the card information 35 such as "card name", "card number", "name", "withdrawal account number", "withdrawal date", and "contact information" in this entry field 34. In addition, fill in "Content" 36, "Transfer date" 37, "Counterpart financial institution" 38, "Transfer destination name" 39, "Account number" 40 and "Transfer amount" 41 according to the actual use of the card. Will be done. Up to this point is the household account column 1 provided in the deposit passbook.

As shown in FIG. 6 on page 10, as a part of the notebook section 42, a telephone number entry section 43 regarding various inquiries is provided, entitled “Information”. In the telephone number entry field 43, the user fills in the "contact" 44 and "telephone number" 45 of the financial institution.

Page 11 ... As shown in FIG. 7, a birthday entry field 46 is provided under the title of "Birthday memo". In the birthday entry field 46, the user will enter "name" 47, "address" 48, "phone number" 49 and "birthday" 50 of an acquaintance or a relative.

Page 12 ... As shown in FIG. 8, another telephone number entry field 51 is provided under the title of "Special Store". The user will enter the "store name" 52, "address" 53, "telephone number" 54 and "feature" 55 of a special store such as a restaurant in the other telephone number entry field 51. Up to this point is the pocketbook column 42 provided in the deposit passbook, and when the household account book column 1 and this pocketbook column 42 are put together, the number of pages provided with both columns 1 and 42 is equal to all pages of the deposit passbook. It has reached one-third to almost half, and the deposit passbook has a large number of pages dedicated to the household account column 1 or the notebook column 42.

[0023] From page 13, a known book page for ordinary deposits or time deposits is provided. The present invention also has the following four features for this book page.

First point ... As shown in FIG. 9, information 57 useful for environmental protection or living is provided outside the margins of some or all of the book pages 56, especially for saving household expenses. It is posted including the viewpoint of. The content of this information 57 is as follows, for example. Example 1) "If you use a room air conditioner of 700w for 1 hour every day in summer and winter (100 days) and a clothes dryer of 1350w for 18 minutes every day for a year, it will save about 218kWh in one year. This is about 3700 yen. In addition to gaining, it also contributed to the saving of 50 liters of crude oil. ”Example 2)“ 20% of household water consumption is for toilets. Fill a 2 liter PET bottle with water and put it in a water storage tank. This saves 2 liters when the water is full. Toothpaste that can be completed with about 3 cups of water will waste 10 liters in 3 minutes if the water is left running. ” 57 is extremely useful when considering saving household expenses while entering numbers in the household account column 1.

Second point: As shown in FIG. 10, a part of or all of the book pages 56 are labeled “balance memo”, “date” 60, “content” 61, and “amount” 62. There is a memorandum column 58 for bookkeeping details, which includes the entry column 59. By properly using this memorandum column 58, the details of the withdrawal or deposit recorded on the relevant page are recorded without forgetting. This is extremely convenient when entering numbers etc. in the household account column 1.

Third point: As shown in the figure, a watermark picture 63 having, for example, a "car and a house" as a motif is put in the approximate center of some or all of the book pages 56. By providing such a transparent picture 63 together with the household account book column 1, the deposit passbook can be easily distinguished from other passbooks. Other than "cars and houses," motifs include "potted plants," "clocks," "glasses," "phones," "pencils," "prevention," "bags," "cameras," or "airplanes," and their designs are particularly limited. Not a thing.

Fourth point: As shown in FIG. 9, when the user makes a contract with the financial institution on the book page 56 for ordinary deposits, in particular, once a month on the desired date. The total amount of monthly deposits and withdrawals (total monthly deposits and payments) 64, 65 is printed by the device on the financial institution side, facilitating the management of household expenses and at the same time as household account book column 1. It is extremely convenient when entering numbers, etc.

[0028]

[Effect of device]

 The present invention has the following effects.

That is, first, in common with each claim, the household account book function is provided by providing a household account book column on a part of the pages of the bankbook, and this household account book function and conventional By combining with the function of the book page, it becomes possible to comprehensively plan and manage the household budget of the user. Therefore, it is possible to provide a bankbook with extremely high utility value for individual users. The passbook of the present invention may also have a notebook function, and in this case, it is also highly useful in this respect. If the household account book field or notebook field is provided on a dedicated page, it is easy to use by separating these from the book page, and because these fields are laid out large, it is easy to read and fill in. It is easy.

In addition, when information that is useful for environmental protection or living is posted on the margins of some or all of the bookkeeping pages, when considering saving household expenses while entering numbers in the household account column, , Very useful. In addition, if a memorandum column for bookkeeping details is provided outside some or all of the bookkeeping pages, be sure to record the details of the withdrawal or deposit booked on that page. This is very convenient when entering numbers in the household account book. If some or all of the bookkeeping pages include a watermark picture along with the household account book, the user's impression of the bankbook will be stronger and the bankbook will be easier to distinguish from other bankbooks. Become. Furthermore, if the total amount of deposits and withdrawals is printed periodically by the user's choice on the book page by the financial institution's device, the management of household expenses becomes easier and the household account space is displayed. It is extremely convenient when entering numbers etc.

[Brief description of drawings]

FIG. 1 is an explanatory diagram showing the contents (a savings target entry field and a savings plan entry field) of a deposit passbook according to an embodiment of the present invention.

FIG. 2 is an explanatory diagram showing the contents of a deposit passbook according to an embodiment of the present invention (an entry column for the amount of money already decided for the year).

FIG. 3 is an explanatory view showing the contents of a deposit passbook according to an embodiment of the present invention (entry fields for monthly income, expenditure and public utility charges).

FIG. 4 is a description of a deposit passbook according to an embodiment of the present invention (monthly deposit, electricity bill, gas bill, water bill, telephone bill, NHK reception fee, credit card withdrawal amount, accumulated deposit and loan amount, and (Enter the total amount)
Explanatory diagram showing

FIG. 5 is an explanatory diagram showing the contents of a deposit passbook according to an embodiment of the present invention (entry fields for credit card withdrawal and payment management).

FIG. 6 is an explanatory view showing the contents (telephone number entry field) of the deposit passbook according to the embodiment of the present invention.

FIG. 7 is an explanatory view showing the contents (date of birth entry) of the bankbook of the deposit according to the embodiment of the present invention.

FIG. 8 is an explanatory view showing the contents (telephone number entry field) of the deposit passbook according to the embodiment of the present invention.

FIG. 9 is an explanatory view showing the contents and printing example of a bankbook (a printing example of information useful for environmental protection or living and a periodic payment total) according to the embodiment of the present invention.

FIG. 10 is an explanatory diagram showing the description contents (a memorandum column and a watermark picture of the book entry details) of the deposit passbook according to the embodiment of the present invention.

[Explanation of symbols]

1 Household account column 2 Savings target entry column 11 Savings plan entry column 17 Yearly fixed spending amount entry column 22 Monthly income, expenditure and utility bill entry amount entry column 23 Monthly deposit, electricity bill, gas bill, water bill Bill, phone bill,
Entry fields for NHK reception fees, credit card withdrawal amounts, spending amounts for fund deposits and loans, and total amount of money 34 Entry fields for credit card withdrawal and payment management 42 Entry fields 43,51 Telephone number entry fields 46 Birthday entry fields 56 Page 57 Environmental protection or information useful for daily life 58 Memorandum of account book entry 59 Date, content and amount entry field 63 Watermark 64,65 Total monthly payment

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[Procedure amendment]

[Submission date] November 7, 1994

[Procedure Amendment 1]

[Document name to be corrected] Drawing

[Correction target item name] All drawings

[Correction method] Change

[Correction content]

[Figure 1]

[Fig. 2]

[Figure 8]

[Figure 3]

[Figure 4]

[Figure 5]

[Figure 6]

[Figure 7]

[Figure 9]

[Figure 10] ─────────────────────────────────────────────────── ───

[Procedure amendment]

[Submission date] March 14, 1995

[Procedure Amendment 1]

[Document name to be corrected] Drawing

[Correction target item name] All drawings

[Correction method] Change

[Correction content]

[Figure 1]

[Fig. 2]

[Figure 3]

[Figure 4]

[Figure 5]

[Figure 6]

[Figure 8]

[Figure 7]

[Figure 9]

[Figure 10]

Claims (14)

[Scope of utility model registration request] 1. A deposit passbook, characterized in that a part of a page constituting the deposit passbook is provided with a household account column which the user himself fills in. 2. The savings passbook according to claim 1, wherein a savings target entry field is provided in the household account field. 3. The savings passbook according to claim 1, wherein a savings plan entry field is provided in the household account book field. 4. The deposit passbook according to claim 1, wherein the household account record column is provided with a column for entering the annual amount of the determined expenditure. 5. The deposit passbook according to claim 1, wherein the household account column is provided with graphed columns for entering the amount of money related to monthly income, expenditure and utility charges. 6. The deposit passbook according to claim 1, wherein the household account book column includes monthly deposit, electricity bill, gas bill, water bill, telephone bill, and N bill.
A deposit passbook, which is provided with fields for entering the HK (registered trademark) reception fee, the amount of credit card withdrawal, the amount of money spent on accumulated deposits and loans, and the total amount. 7. The deposit passbook according to claim 1, wherein the household account column has an entry column for withdrawal and payment management relating to a credit card. 8. The deposit passbook according to claim 1, further comprising: a notebook column provided with a telephone number entry column. 9. The passbook according to claim 1, wherein a passbook column having a birthday entry column is provided. 10. The deposit passbook according to claim 1, 8 or 9, wherein a household account column or a notebook column is provided on a dedicated page. 11. The deposit passbook according to claim 1, wherein some of the other pages constituting the deposit passbook are provided with entry pages relating to ordinary deposits or time deposits, and some or all of these entry pages are placed outside the margins. , A bankbook that features information useful for environmental protection or living. 12. The deposit passbook according to claim 1, wherein some of the pages constituting the deposit passbook are provided with entry pages relating to ordinary deposits or time deposits, and some or all of these entry pages are provided outside the margins. A deposit passbook, which is provided with a memorandum field for bookkeeping details including fields for entering date, contents, and amount. 13. The deposit passbook according to claim 1, wherein some of the other pages constituting the deposit passbook are provided with entry pages relating to ordinary deposits or time deposits, and some or all of these entry pages are watermarked. A passbook that features pictures. 14. The deposit passbook according to claim 1, wherein a book page relating to ordinary deposits is provided on some other pages constituting the deposit passbook, and the deposit page is periodically deposited by the user's selection. A deposit passbook in which the total amount of each withdrawal and withdrawal is printed by a device on the financial institution side.