US1565255A - Check book - Google Patents

Description

Dec. 15, 1925- A. R. BYQUIST Patented Dec. 15, 1925.

UNITED STATE-s PATENT OFFICE.

' CHECK BOOK.

'\ y Application filed April 8, 1924. Serial No. 705,024.

To all whom t may concern:

Be it known that I, AXEL RICHARD BY- QUIsT, a citizen the United States, residing at Spokane, in Spokane County, and State of Washington, have invented certain new and useful Improvements in Check Books, of which the following is a specification.

My present invention relates toimprovements in check books and especially to the pocket form of book which is usually carried by the bank depositor for personal use, but the invention may readily be embodied in other forms for Various uses.

As is well known the bank check books furnished gratis by the banks to the depositor are a source of expense to the former, and the average depositor is usually unable, because of lack of familiarity with complicated bookkeeping systems and for other reasons, to keep a correct record of his banking transactions. Thel primary object of my invention is the provision of a check book which is simple in construction and economical in the use of material employed in its make up, and which may be manufactured with facility in quantities to insure a minimum'of expense to the bank. The invention also involves the employment of a simple system of accounts which will enable the bank depositor to keep an accurate record of deposits, withdrawals, and the balance to his or her credit.

The invention contemplates the use of bank checks arranged in pads or packets of convenient shape and size and made up of separable and detachable checks, furnished to the depositor as required for use with a foldable pocket-book, and means are provided for retaining the pad or packet of checks within the folded pocket book. The invention also involves certain novel combinations and arangements of parts in the mechanical structure of the check book, as well as arrangements in theaccounting Sysf tem, as will hereinafter be more fully set forth and claimed.

In the accompanying drawings I have illustrated one complete example, and a modified form thereof, of the physical embodiment of my invention wherein the parts are combined and arranged in accordance with thelbest mode I have thus far devised for the practical application of the principles of my invention Figure l is a perspective view of the equipment embodying my invention, the fold or book being opened at one end to display the check pad and the account sheet, the latter being unfolded for convenience of illustration.

Figure 2 is a perspective view of a folded deposit slip forming part of the outfit upon wllilich the deposits are entered by the bank te er.

Figure 3 is an enlarged detail longitudinal sectional View as at line 3 3 of Figure l showing the spring clip for retaining the check pad in its pocket.

Figure 4 is a perspective view as at line 4--4 of Figure 1 showing the auxiliary clip secured to the back of the bookfor assisting in retaining the foldable account sheet in place. Figure 5 is a perspective view of a modification of the invention wherein a plurality of check pads are accommodated in an end folding book.

Figure 6 is a perspective view of the account sheet detached.

Figure 7 is an end view showing the closed book and illustrating the manner of compactly and conveniently folding the account sheet in the book.

Figure 8 is a detail view showing the manner of scoring or grooving the account sheet lto facilitate the correct folding of and to prevent tearing of the account sheet when in use.

In the preferred form of the inventionl as illustrated in the drawings the end folding or opening book is composed of the parts designated as 1 for the back and 2 as the front of the book, these parts being connected by the flexible bend 3. These members forming the book may be fashioned of cloth leather or other material suitable for the purpose and the members may be reinforced or strengthened to secure the proper rigidity and durability of the book.

The front of the book is fashioned with an inner pocket 4 for the reception of a folded deposit slipv 5 which is presented to the teller for entry when a deposit is made. An additional pocket 6 is provided at the free end of the front 2 for the reception of an lidentification card or ticket 7 The free end of the back 1 of the book is fashioned with an end Wall 8, an extension 9 parallel with the back 1, and side Walls 10,

10, these parts being rigid or stifened to form walls of a pocket 11 which opens toward the fold of the book. Within the pocket 11 a spring clip is enclosed (as best seen in Figure 3) which comprises a base plate 12 firmly secured to the backboard l and extending longitudinally thereof. A spring detent (in the form of a hook) as 13 is formed integral with the base plate and normally lies close thereto, but may be forced away therefrom. The clip is designed to receive and retain a pad P made up of loose checks which may temporarily be held together by a rubber band before inserting in the pocket. The end of the pad is slipped or shoved into the pocket 11 forcing the resilient detent 13 from the base plate, and thetension thereby imposed on the detent applied to the uppermost check of the pad holds all the checks clamped within the ocket, and the pad in correct shape. While I have referred to checks fashioned into the form of a pad, it

will be understood that similar sheets adapted for use other than as bank checks may be carried in the pocket of the book.

By grasping the top check between the thumb and finger the check may readily be withdrawn from the detent and pocket, and when the supply of checks has been exhausted another pad may with convenience be inserted Ain the pocket and under the detent for use.

The account sheet 14 shown in Figure 6 is fashioned with an end tab 15 which may be used for various purposes, as for instance for memoranda, or a budget system or advertisements may be printed thereon. The account sheet is scored or grooved transversely as at 16 and 17, 17, to permit facility in folding and to prevent tearing of the sheet, and in one edge of the sheet below this tab a notch 18 is fashioned having a reinforcingl disk 19 to prevent the tearing of the sheet at the end of the notch.

The free end 15 of the tab 15 is adapted to slip endwise into pocket 11 beneath the pad P, the notch 18 permitting the end 15 to enter the pocket as shown in Figure 1, and the spring detent of the clip 12 holds this end in place. In addition a metallic spring clip is used to retain the account sheet, and this clip as seen in Figure 4 has a backl plate 2O secured to the back 1 of the book. Spring tongue 21 integral with this back plate clamps and holds the edge ofthe account sheet to assist in preventing displacement or loss of the sheet.

As indicated in Figures 1 and 6 the account sheet is provided with lines and columns designed to receive data as to withldrawals,v deposits, balance, and miscellaneous items, but these designations may be varied for different purposes as will be understood. When account sheet is filled with data it may readily be detached and removed from the check book, and a fresh sheet substituted therefor.

In the form of the invention shown in Figure 5 accommodation is made for the use of a plurality of checks or check pads. Here the front 23 of the book is fashioned with three inner pockets of similar construction as indicated at 24 in which may be slipped the deposit slips 5.

The account sheets 14, one of which is shown opened out or unfolded and the other two in folded position over the check pads, are retained in the book and used in the same manner as in Figures 1 and 6. The pads P may have checks of different colors for various purposes or uses, or the checks may be used for different banks.

The device in this form of the invention, or in that form illustrated in Figure l, is well adapted for use by collectors for business houses in recording their work. Thus instead of a pad of blank checks, a pad of detachable receipt blanks may be used, andthe record of the total amount collected or received may be spread upon the account sheet 14.

Thus while I have set forth one exemplification of my invention it will be apparent that the principles of the invention may be adapted in various ways to meet different requirements, and changes may be made in the illustrated invention without departing from the scope of the following claims.

vHaving thus fully described my invention, what I claim as new and desire toV secure by Letters Patentl is l 1. The combination with a base member Aand an end pocket formed thereon, of a loose leaf pad having one of its ends located in said pocket, an account sheet'adapted to fold over said pad and pocket and having a tab located between the base member and the pad, and means within the pocket for retaining the pad and the sheet tab.

2. The combination with a base member having an end pocket, of a loose leaf pad having one of its ends located in said pocket, an account sheet of a width corresponding to the length of the base member and provided with an edge notch slightly longer than the depth of the pocket, said sheet above the notch formed with a tab located between the base member and pad, and means within the pocket for retaining the pad and sheet tab.

3. The combination with a base member having an end pocket, of a loose leaf pad having one of its ends located in said pocket,

'an account sheet of a width corresponding to the length of the base member and provided with an edge notch, a reinforcing disk on the sheet at the inner end of said notch, said sheet above the notch formed with a tab located between the base member and pad, said sheet having transverse scores whereby it may be folded over said count sheet having a tab located between pad, and means within the pocket for retainthe pad and back, and means within the ing the pad and sheet tab. v pocket for retaining the pad and tab. 10 4f. The combination with an end opening In testimony whereof I affix my sig- 5 book having an inwardly opening pocket nature.

on its back, of a pad having one of its ends located in said pocket, a foldable ac- A. RICHARD BYQUIST.

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