US2585179A

US2585179A - Checkbook

Info

Publication number: US2585179A
Application number: US51383A
Authority: US
Inventors: Stanley M Silver
Original assignee: Individual
Current assignee: Individual
Priority date: 1948-09-27
Filing date: 1948-09-27
Publication date: 1952-02-12
Anticipated expiration: 1969-02-12

Description

S. M. SILVER Feb. 12, i952 CHECKBOOK Filed Sept. 27, 1948 /smleg M. Sayer Attorney Patented Feb. 12, 1952 lTerri?A ori-*ice* 'y Application september 27, ie-4s,.serialnu.snsva Y 1 claim. (ol. :28a-'23);

This invention relates to a check book. having an improved arrangement for recordingl the data inscribed on the checks.

There have been many schemesl proposed to record simultaneously with the writing of Ya check all the data inscribed on the check in orderk to eliminate the necessity for lling out `a separate stub and to avoid the danger of discrepancy between the stub record and the check data. These schemes usually employ a checkbook of alternately interleaved check sheets and record sheets with transfer means, such as carbon paper, between the two. In these prior arrangements, thel check sheets and the record sheets are of the same size so that in storing the record sheets after the checks are exhausted, a relativelylarge amount of storage space is needed in comparison to the space needed to store check stubs ofthe conventional type. Likewise, Very often noprecautions were taken to prevent the recording of the drawers signature on the record sheet, thus giving rise to the danger of fraudulent use being;

made of the record sheets.

I have invented a new form of checkbook which obviates the above mentioned disadvantages of the prior arrangements while at the vsame time providing a complete record of the data. inscribed on thecheck without the necessityof. using a separate stub.

It is thus an object o f my invention to provide a check book having interleaved record sheets for recording the data inscribed on the check sheets, the record sheets, however, being of smaller size than the check sheets.

It is a further object of my invention to arrange the format of the check sheets so that all data inscribed onthel check sheets is transferred to the smaller record sheets with the exception of, the drawers signature. Y

Other objects will become apparent from the description given below of a specic embodiment of my invention of which the drawing is intended to be illustrative.

The single gure of the drawing is a plan view of the check book of my invention lying open with its covers at straight angles, with parts broken away for clearness of illustration.

The reference numeral I designates the front cover of my check book, 2 the back cover, and 3 designates a suitable binding such as a spiral spring binding. The check book comprises check sheets 4 alternately interleaved with record sheets 5. As shown in the drawing, the record sheets 5 are of lesser width than the check sheets 4 and underlie the left-hand portion only of the check sheets. A transfer-z sheet 6, or a number of such. sheets such-.as carbonpaper, are. bound together at their upper-ends or edges Vat 1:,and are attached tothe backcover 2; at theupper left-hand corner e thereof in a. suitablev manner asi: by, stapling ory glueing. or the like; 'Ihese carbon sheets are used one at. a. time and. as each sheet becomes Worn outitis torn voi from the bindingl along the line. 8-. 'lihelcarbon sheets not in luse lare storedy adjacent the back kcover and beneath the last page of the. check book. Afterall the checks on onesheet are exhausted thecarbonsheet is dipped backout Aei? theway to allow a new checksheet tobe turnedinto place, and then reinserted( between. the new check sheet and the new record sheet. 'Ihe carbon sheets are-0fv approximately; the same width as the record sheets and are positioned so that they are coextensive areff Withthe active o r used yarea of `the record sheets and do not extend beneath. thev right hand portion of the check sheet., Aporton ofthe top check sheet is broken awaylto'show a carbon sheet 5. in place.V While l prefer'to use one or'moretranse f fer sheets boundto the back cover: as described above, a separate transfersheet for each check sheet may be boundin the book inv proper posi tion beneath each rcheck sheet, or the back. of eachcheck sheetl maybecarbonized or otherwise .treated over-the. left-hand portionrthereof: to effect transfer .of the data entered on the. checkl blank to the record sheet. Insuch case, it will be necessary to provide a. stiff backingl sheet .to insert underneath, the record sheet of. the check being filled out.

The check sheetl. is shown as made.up; of. Y

three checks separated by, perforated lines 9; so. that they `may bedetached from. the check book and from eachother. It isobviousof course, that morev or fewer checks-.may be mcludedon a. single check sheet. The format of the check sheet is arranged so that all the blank spaces to be lled in with data which is to be recorded on the record sheets are displaced to the lefthand portion of the check sheet, while the blank for the drawers signature is displaced to the far right-hand portion of the sheet. As can be seen, the record sheet underlies all the blanks with the exception of the blank for the drawers signature. Thus. the data lled in the approprately marked spaces for the date of the check, the amount of the check in gures and words, the check number, and the name of the payee will all be recorded on the record sheet. while the drawers signature will not be recorded in full on the record sheet. It is permissible that some of the drawers signature be recorded on the record sheet. in fact it is desirable that a small portion of the signature appear so that any unauthorized signature will be at least partially recorded thus serving to detect possible fraud, and also serving as an indication that the check was actually signed. This is shown in the drawingwhere the signature space overlaps the record sheet a small amount to allow a small part of the signature to appear on the record sheet. For example, as shown in the drawing, the exposed part of the record sheet under check number I2 shows the letters Jo of the drawer's signature.

A boxed-in section I0 on the of the check blank may befprovided with appropriatehr designated spaces for the entry of the dates and the amounts,. of invoices for which the check is drawn in payment, or for the entry of other data concerning the purpose for which the check is drawn. For example, thev record blank for check No. 13 shows the check to have been drawn to cover invoices dated June 8, 1948,

for $15.00 and July 9, 1948, for $10.00. The other pertinent data recorded for check No. 13 is also shown in the drawing.

The far right-hand portion of the check sheet may be occupied by other data which need not be transferred to the record sheet, such as the name of the depositor.

It willbe noted that the pertinent data for each check is recorded on the record sheet at the time the check is drawn, and the use of my check book does not interfere with the normal use of a check perforator, since each check may be perforated after it is removed from the book.

Ascan be seen from the drawing, when the check book is open to a sheet of checks, the blank back of the last used'record sheet will be to the left of the check sheet. This blank sheet may be used to record bookkeeping data or the like.

Various modifications of my check book can be made without losing the basic advantages of my invention. For instance, the bound carbon sheets may be attached to the lower edge of the back cover or to the right-hand edge of the back cover instead of to the top thereof. In the latter case the portion of the carbon sheets underlying the right-hand portion of the check sheets is not supplied with carbon so that the drawers signature will not be transferred to the check sheet below. Through not necessary, a stiff backing sheet may be pivotally attached to the back cover along one of the edges thereof and arranged to be placed under the record sheet of the check being drawn so as to provide support for the check as the drawer signs his name.

From the foregoing description it will be apparent that I have provided an improved check book by which pertinent data is automatically recordded as the check is written while not recording the drawers signature, or at least recording only a part of the signature. Another advantage of my invention lies in the saving of storage space and paper due to the smaller size of my record sheet than those heretofore used. While in prior self-recording check books the` record sheet was as large as the check voucher, in my improved form of a self-recording check book, the record sheet may be two-thirds or only one-half as wide as the check voucher left-hand portion depending on the amount of data desired to be recorded on the record sheet. In the embodiment illustrated in the drawing, if the boxed-in area l0 provided for invoices, etc., were eliminated, the record sheet would need only be one-half as wide as the check voucher. When all the checks are exhausted from a book, the front and back covers may be broken away to bring them to the same width as the record sheets. The bound carbon sheets may also be removed leaving only a small compact book of record sheets. If desired, the record sheets may be removed from the book when the checks are exhausted and separately filed.

I claim:

A check book comprising check sheets and record sheets, said check sheets and record sheets being alternately interleaved with one another in superposed relationship and being bound together along their left marginal edges to form a book, said record sheets being of substantially lesser width than said check sheets and underlying the left-hand portion only of said check sheets, said check sheets having marked spaces Within the area thereof covered by said record sheets for inscribing thereon the date of the check, the name of the payee, and the amount of the check, said check sheets also having a marked space for the drawers signature on the right-hand portion thereof, said marked signature space having the major portion thereof extending outside of the area covered by said record sheets and a minor portion thereof extending into said area, and record transfer means interposed between the check sheet and the associated record sheet for transferring to said record sheet only the data inscribed on said check sheets within the area covered by said record sheets.

' STANLEY M. SILVER.

REFERENCES CITED The following references are of record in the file of this patent:

UNITED STATES PATENTS Number Name Date 1,079,737 Bannerman Nov. 25, 1913 1,206,745 Winter Nov. 28, 1916