US632752A - Deposit and check book. - Google Patents

Description

No. 632,752. 'Patented sept. l2, |899.

G. H. RUGERS.

DEPUSIT AND CHECK 800K.

(Application led June 16, 189B.) (No Model.) 2 Sheets-Sheet l.

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No. 632,752. Patented sept. l2, |899.

- a. H. ROGERS.

DEPOSIT AND CHECK BOOK.

(Application filed June 16, 1898.) (no Model.) 2 shetssneet 2.

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UNITED STATES f PATENT OEETCE.

GEORGE II. ROGERS, OF BIRMINGHAM, ALABAMA;

nEPosiT AND CHECK Book.

SPECIFICATION forming part of Letters Patent No. 632,752, dated September 1 2, 1899.

Application filed June 16, 1898. Serial No. 683,555. (No model.)

To a/ZZ whom t may concern:

Be it known that I, GEORGE H. ROGERS, a citizen ot" the United States, and a resident of Birmingham, Jeerson county, State of Ala bama, have invented a certain new and useful Deposit and Check Book; and I do hereby declare the following to be a clear, full, and exact description of the invention, such as will enable others skilled in the art to which it appertains to make and use the same, attention being called to the accompanying drawings, with the reference-letters marked thereon, which form a part of this specification.

The subject of this invention relates to books used by patrons of banks in connection with such of their intercourse with the latteras concerns the deposit of money and issuance of checks against such deposits. At present two books are used, one being the soi-called pass or deposit book, in which deposits as presented are entered by the bank. The other is the check-book, containing check-blanks for checks to be issued against the amounts deposited and having also means usually in form of stubs for keeping a record of checks so issued. My invention provides certain improvements which are intended to benefit the depositor, as well as the banker, by simplifying andrendering more convenient the different transactions required during this particular part of their business intercourse. As to the depositor, it provides a deposit and check book combined, so that only one book is required in place of two. As to the banker, the arrangements are such that whenever balancing of the book is required he may use the record ot the issued checks as already noted by the depositors for checking ott the amounts. The bank saves thereby the additional entering up of checks now necessary for such balancing purposes, using instead only the original entries of the drawer ot' the checks.

The book is further so prepared that it may be used by different depositors, passing successively from one to the other without requirin g a new one every time. This is to provide for such cases when a depositor surrenders his book after using it only a short time. As it is now, such books by reason of the depositors name appearing on the front cover becomes useless, notwithstanding the fact that many pages are unused yet.

In the following specification, and particularly pointed out in the claims, is found a full description of the invention, its manner of use, parts, and arrangement, which latter is also illustrated in the accompanying drawings, in which- Figure l is a full face View of the book open. Fig. 2 is a front View of the book closed. Fig. Sis a perspective view of the book partly open. Fig. et is a view similar to Fig. l, illustrating manner of balancing t-he book.

' Referring to Fig. l, all that part of the pag to the left of line A is used by the bank to enter deposits when such are tendered by the depositor. It is subdivided by a line B into two columns, of which the first receives the date, while theV other between lines B and A receives the amount of the deposit. The space to the right ot` line A is to be used by the depositor as a record for checks issued by him. This space contains a column C re ceiving the ordinal numbers of the checks, a column D receiving the amounts of the same, a column E for the date, and, nally, one F to receive the name of the parties to whom the checks are made payable. The

numbers in column O may all be written; but y I prefer to print them, as shown, in consecutive groups from 0 to 99, the check-y writer then merely adding the necessary numerals when the numbers exceed ninetynine-for instance, for one hundred he adds a l to the left of the two naughts, and continuing so adds every time a l until the hundred is exhausted, when he adds a 2 for two hundred, and so on. These groups are so arranged that they always start with the top of the page.

It is expected that this system prevents carelessness on the part of the depositors and induces them to number and record their checks properly. The blanks G for these latter are contained in the back of the book. It will thus be seen that a deposit and check book, with the necessary blanks, are all contained in one, which results iu great convenience to the patrons of the bank. When in balancing accounts the banker proceeds to charge up the checks against the deposits, it is not necessary for the bank-clerk to enter the individual amounts of all the checks, as is done now; but he simply uses column I),

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where he finds such amounts all ready for him, since they had been previously entered thereat by the depositor. It is then only necessary to compare the checks on hand, one by one, with the numbers in column C and the amounts in column D and checking them off, marking the amounts of all checks as they are found in the book with the usual checking-mark The marked amounts are then added, and the results appear between red lines to be drawn in the usual manner. Amounts representing debit or credit tickets are entered between the lines and in the proper columns, as usual. In Fig. 4 this method of balancing is shown in connection with a debit and credit ticket. The amounts of these tickets are shown as entered between the numbered lines, in this case lines numbered 2 and 3 and l and 2, re spectively, the rst in the debit, the other in the credit column. The depositor is informed as to this manner of balancing and checking by a suitable remark to be printed up and down in column J and reading as follows: Amounts checked l`/ are footed between red lines. Dr. and Cr. Tickets and checks not included in previous balance are inserted between lines. This column may also be used to receive the checking-marks. Fig'. 4 also illustrates the preferable manner of arrang-v ing the numbers in column C, which is so as to have twenty-five numbers to a page.

The double use of column D, which contains already the amounts of the checks to be charged against the deposits, is a great convenience to the bank, saving them the additional entry of these checks, as is now done, and using thus the original entry only all possible mistakes to which repeated entries are liable are avoided. Not a ligure need be made outside of the book, no scratch-pad is needed to do any extraneous figuring, and if any errors are made they are always visible y and readily found at any later time.

As to the debit and credit tickets, they find their waynto the book only through the bookv keeper, who enters them when he balances the book.

The name of the depositor is written on the first one of a number of blank leaves K immediately behind the front cover L, and appears through an opening M in the latter. If, as it frequently occurs, a depositor surrenders his book after a short use only, the first one of leaves K is torn out, leaving again a clean space behind opening M to be used for entering the name of a subsequent def positor. The pages used by the previous depositor are also torn out, for which purpose upright rows of perforations N are provided on all pages. Su fiicient pages are always torn out, even if partly unused, to have the numbers on the first of the remaining pages beginning with a naught, so that the new user may start his checks with the numeral 1. It will thus be seen that a perfectly-clean book is left available for subsequent use Remarks giving general and special instructions are printed within a space marked O on cover L, and read as follows:

Always bring this book with your deposit and see that entries agree with deposit-ticket.

Have book balanced when few or no checks are out.

Never give out a check until properly entered. v

Deposits and checks are visible on opening the book, and the diiference in footings of columns Amount Deposit and Amount Check shows balance.

The bank balances this book by simply checking oif amountsof checks entered and returning paid checks, thus avoiding any but original entries.

When accounts are closed, the leaves written on are torn out at perforation and given to depositor with canceled checks, thus leaving the book to be used by another customer. Y

Having described my invention, I claimas newh l. A book to be used between banks and depositors, having an opening in its front cover, a number of blank pages back of said cover, with the name of the holder on the first blank page and so placed as to appear through the opening in the cover, so that on removal of such page a blank space appears within said opening and available for another name.

2. A book used between bank and depositor having a nu mber of leaves K next to the front cover, intended to receive the name of the holder, an opening in the front cover to render such name visible and a number of leaves following the leaves mentioned and all suitably arranged to receive entries, all leaves perforated near their inner connecting edge to facilitate removal.

. 3. Abook used between bank and depositor, having an opening in the front cover, a number of blank pages :next to it, a number of pages arranged to receive entries of deposits and records of checks and blanks for these latter, all pages perforated near their inner Y connecting edge to facilitate removal.

In testimony whereof I hereunto aiix my signature in presence of two witnesses.

GEORGE H. ROGERS.

Witnesses:

W. J. ARMSTRONG, P. B. CARPENTER.

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