US1522174A - Pass book - Google Patents

Description

jan, 6, 1925.

1,522,174 l. s CALL PASS BOOK Filed April 25, 1924 w1. 5

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Patented Jan. 6, 1925.

UNITED sTATESi PATENT oFFicE.

rsAAc sLATER CALL, oF SAVANNAH, GEoRG-IA.

rAss BooK.

Application led April 25, 1924. Serial No. 708,971.

To all whom t may concern Be it known that I, ISAAC S. CALL, a citizen of the United States, residing atSavannah, in the county of Chatham and State of Georgia, have invented certain new and useful Improvements in Pass Books, of which the following is a specification.

The present invention relates to bank deposit books for use in connection with accounts generally known as Christmas clubs, and covering a wide variety in which predetermined deposits are periodically made until a certain total is reached, which total can then be withdrawn.

As is well known, these deposits assume a wide variety of forms or types, and heretofore so far as I am aware, Va separate deposit book or set of forms has been employed ,for each type, involving the necessity for an immense amount of material, such as individual books and the like.

One of the primary objects of the lpresent invention is to provide a deposit book that is common to various forms of deposit, said book being provided with means whereby when an init1al payment into a bank is made, the same is clearly identiiied and each succeeding payment is correspondingly identiiied, so that if an error is made and wrongly credited, it will be immediately shown up both in the deposit book and in the record retained by the bank. The. structure has the additional advantage that two or more different deposits by an individual. can be kept in the same book so that his" complete record is readily available.

In the accompanying drawings:

Figure l is a perspective View of the preferred embodiment of the invention, showinthe initial or key page'.

igure 2 is a detail view in elevation,

showing the second page or that succeeding to the aforesaid key page.

Figure 3 is a view 1n` elevation showing the initial or key and 'coupon of the third page. t

Figure 4 is a detail perspective view indicating a record of a predetermined deposit.

In the embodiment disclosed, a series of leaves, designated generally ly the reference numeral 5 are employed. ach of these leaves consists of a stub 6 and a coupon 7 carried by the outer edge of the stub and` detachable therefrom. The block of stubs 6 are permanently bound in a book, which may be provided with front and rear covers, as 8 and. 9, said stubs carrying the detach-- able coupons 7 at their free edges.

Each leaf is provided with designations of a plurality of types of deposits, said designations appearing in lines, duplicated on the stub and detachable coupon. Thus, as disclosed three distinct types of deposits are shown. One desi-gnatedl l0 covers regular weekly deposits of the same amount each week. Thus, as illustrated, the amounts range from 25e per week'to $20 per week,

a line across both the stubA and coupon being provided for each amount. For example, it will be noted that on page l, which may be termed the key page, 25 is shown on the first line, indicating the weekly amount to be paid, andy in the same line provision is made for showing the total amountpaid. Thus on the first or key page 251]: would be the total paid, whereas on the second page shown in. Figure 2, the total for the two weeks would bel 50, and so on through fifty or more pages, each page thus denoting the weeks payment and the total paid to date. There is also providedA on each page another set designated 11, in which an initial minimum payment is made and the amount is' increased proportionately each week. There is also a third type of payment dis closed, in which an initial maximum pa vment is designated. This is shown at 12, the amount decreasing to a minimum payment at the end of the term.

Each of the leaves is also provided with coacting deposit indicators for the respective deposits, said indicators being located at the line of division between the stub and coupon. Thus in the present embodiment. these are illustrated in the form of darkened pointers 13 printed in the respective lines, the pointers in the disclosure being permanently carried by the stubs and projecting into the coupons. Inasmuch as the corresponding lines of the different payments on the different pages or leaves are located one below the other, these pointers will be correspondingly located and any suitable means may be'provided for separating the coupons from the stubs.' They may have weakened lines, and metal guides with a prong thereon, such afs are commonly employed, may be utilized, the same being placed upon the sheet with the prong alined with the desir.ed pointer' thereon so asto insure the proper tearing o of the coupon.

In using the deposit book, when a depositor selects a desired form of deposit and makes an initial payment thereon, the receiving teller first gives the depositor an individual number which is printed on each stub and coupon of the book, as for example, 8008 shown at 14. He also Writes at the top of the first stub and coupon the amount to be paid as 50 shown at 15. This constitutes av check on the initial payment in case the wrong indicator on the first page should be retained. Upon the payment of the initial deposit theV receiving teller re.

moves the first coupon 7, tearing ofi' all the indicators 13- therewith, with the exception of the one which is in the line corresponding to the deposit made, namely, in this instance a straight Weekly payment of fifty cents. Thus, the second pointer or indicator 13 is retained on 'the stub andall the rest are removed with the coupon. This then acts as a key both to the depositor who keeps the book and to the bank, for the notch in the first coupon indicates the deposit made and the class of payment. As each succeeding payment is made thesucceeding coupons are torn olf, thereby leaving the indicators one beneath the other, as shown in Figure 4. If'through an error on the receiving tellers part the wrong indi cator is retained it will immediately become apparent to the de ositor, as indicated, for

example in dotted ines in Figure 4 and the same error will immediately become apparent if the coupons from the depositors ook are stacked.

'A further advantage resides in the fact that a depositor may select more than one type of deposit and use the same book for the same. will involve merely the retention of two or indre sets of indicators or pointers 13 corresponding to the character of deposits made. For example a dpositor may ",elect one straight weekly payment, as abcve set forth, and one week y increasing or decreasing payment. y

It will be obvious that by the employment of. a common book for the purpose to be usedfor all classes andv for any number of depositors (the only requirement being dierent designating numbers 14) the number of books and sets of deposit books required is reduced to a minimum and furthermore the chances of error are correspond# ingly reduced. Further than this, as shown above, a single deposit lbook is Sullicient for a plurality of deposits of different characters by the same person and he has before him in this book the. amounts to be paitl monthly and the total deposits he 4has made. lln addition the structure provides a check against error, and the danger of be- 'forth veach leaf comprising a stub and a detach- 'ing tampered with by a dishonest depositor is rwuced to a From the foregoing, itis thought that the construction, operation and many advantages of the herein described invention will be apparent to those skilled in the art without further description and it willfbe understood that various changes in the size, shape, proportion and minor details of construction, may be resorted to without departing from the spirit or sacrificing any of the advantages'of the invention.`

What l claim, is

1. A deposit book of the character set forth, comprising a bound seriesI of leaves, each leaf comprising a stub and a detachable coupon having duplicated sets designating different types of deposits, and each leaf having a plurality of deposit' indicators at theplinel of division between the stub and coupon respectively in line with the designations of the different deposits.

2. A deposit book of the character set forth comprising a bound series of leaves, each leaf comprisinga stub and a detachable coupon having duplicated sets designating different types of deposits, and each leaf having a plurality of deposit indicators at the line of division between the stub and coupon res ectivel inline with the designations o the di erent deposits, the corresponding indicators of the different pages being located in line one beneath the other.

3. A deposit book of the character set forth, comprising a series -of leaves, each consisting of a stub and a detachable coupon, the stubs being permanently bound in the book and carrymg the, coupons at their free edges, each leaf having designations of a plurality of types of deposits and said designations appearing in lines both on the stub and detachable coupon, each said leaves also having coacting deposit indicators for the respective deposits at the line of division between the stub and coupon of each leaf, and said respective deposit designations and indicators being located one beneath the other on the different. pages, whereby when coupons with a selected deposit are removed successively from the book, the indicators for such deposit will be located in line one beneath another and all other indicators for deposits erroneously designated will be out of such line. l.

4. A deposit -book of the character set comprising a bound series of leaves,

able coupon having duplicated sets designating different types of deposits, and means for indicating on both the stubs and coupons the specific type of deposit selected.

1n testimony whereof, I aiix my signature.

ISAAC SLATER CALL.

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