US705851A - Bank-deposit-coupon book. - Google Patents

Description

No. 705,,85l.

Patented July 29, I902.

P. KUEHN, BANK DEPOSIT COUPON BOOK.

(Application filed mum, 1902.

(No Model.)

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INVENTOR.

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Patented .Iuly 29, I902.

P. KUE HN. BANK DEPOSIT COUPON BOOK.

(Appliution filed. Mar. 21, 1902.]

2 Sheets-Sheet 2.

(No Model.)

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UNITED STATES PATENT OFFICE.

PAUL KUEHN, OF TOLEDO, OHIO, ASSIGNOR TO HARRY HOWVE AND CAROLINE KUEHN, OF TOLEDO, OHIO.

BAN K-DEPOSIT-COU PON" BOOK.

SPECIFICATION forming part of Letters Patent No. 705,851, dated July 2 9, 1902.

. Application filedMarch 21, 1902. Serial No. 99,831. -(1\To model.) v

exact description of the invention, such 'as will enable others skilled in the art to which it appertains tomake and use the same, reference being had to the accompanying drawings, and to the letters of reference marked thereon, which form a part of this specificawhich has printed or stamped thereon the tion.

used on the cooperative system; and the same consists in a numbered book comprising a cover of any suitable design, a desired number of sheets of detachable coupons having an annexed or corresponding stub, and in ad dition to these a number of pagesar ranged with appropriate headings, columns, and ruled lines common to an ordinary bankbook for the purpose of entering deposits and withdrawals.

The object of my invention is the production of an advertising medium in the form of a bank-book whereby savings-banks advertise their business and secure depositors and whereby merchants by entering into an agreement with said banksincrease cashtrading, a book whereby cash buyers secure discounts which are deposited in a savings-bank by the merchant to the credit of the customer, thereby benefiting the bank by increasing its customers and its cash deposits, the merchant by increasing his sales, and the customer by helping him to start a bank-account if he has not one already or adding to his account,

thus encouragingthrift and economy among the people.

While the essential and characteristic features of the invention are necessarily susceptible of modification, still the preferred embodiment thereof is illustrated in the accompanying drawings,in which- Figure I is a perspective view of the covers of my improved deposit-coupon book and shows the exterior faces of the same with the printed matter thereon. Fig. II is a perspective View of two sheets of the deposit and withdrawal blanks contained in my invention, showing the appropriate headings and arrangement of columns and rulings common to an ordinary bank-deposit book. Fig. III is a-perspective view of a sheet of coupons and their corresponding stubs as contained in my said book and shows the horizontal and vertical-rows of perforated lines by means of which the said coupons are detached from the book.

In the said drawings, A represents the front cover of the book embodying my invention,

name of the bank distributing the same and to which the coupons contained therein are returnable, together with a number and any other matter or information it may be de- The back cover B is of the tical andhorizontal rulings therefor, the column c at the left being for the deposit-entries and the column 0 at'the right for withdrawalentries. The dotted lines on 50 represent the binding.

- -Drepresents a sheet of detachable coupons E, with their corresponding stubs F, the said couponsE being divided and capable of separation from each other by means of' thehorizontal perforated lines 0 and from their respective stubs by the vertical perforated line f. On these coupons E, as shown in Fig. III, is printed or stamped an agreement whereby a merchant detaching one of said coupons agrees to'deposit such coupon in the bank named on cover of book, together with an amount of money designated thereon, to the credit of the person holding the book from which said coupon is detached, each of the.

in the bank. It will be likewise noticed that the stubs F which remain in the book after the coupons E have been detached therefrom bear a number identical with the number appearing on the cover and coupons and either a printed form of agreement that the person detaching the coupon will deposit a certain amount to credit of person designated, with space left for signature, as shown in Fig. III, or a printed form of receipt, with a space for the signature of the person or firm detaching its annexed or corresponding coupon, each of the stubs being separated from each other by the unperforated lines 6.

In carrying my invention into practice savings-banks and merchants doing business in the same locality enter into an agreement whereby the bank distributes books among the public free of charge, taking a record of number of book and name and address of person to whom delivered. The merchant agrees that in selling for cash to holders of deposit-coupon books he will detach a sufficient number of coupons to equal in value the amount of discount he wishes to allow and that he will on corresponding stubs in the book receipt for coupons so detached. At times agreed upon between bank and merchants each merchant delivers to the bank all I coupons accepted by him and deposit an amount of money equal to that called for by the said coupons so delivered. The bank sorts the coupons by the numbers and credits thebook-holders of such numbers the amount received for them, and at convenient times say once a monthsuch amounts are entered on the deposit-coupon books of the customers.

The bank distributing these deposit-coupon books will do so without charge, and any person wishing to avail himself of the benefits derived through my invention calls at the bank for a deposit-coupon book, giving his name and address. By notices in newspapers the public will he informed which merchants will accept deposit-coupons, and holders of books when buying for cash from merchants in this arrangement offer their books for conpons to be detached, and on dates fixed by 'the bank present their deposit-coupon books for credits which have been placed to their account to be entered therein, and if a holder so desires a direct or cash deposit can also be entered in this same book, thus obviating the necessity of a person having two depositbooks.

It is apparent that my invention will enable savings-banks to advertise their business and secure depositors, that it enables a merchant to advertise his business and pay for the advertising after he receives the customer, and that it affords the cash buyer an opportunity to obtain rebates and secure a savings-bank account.

Having thus described my invention, what I claim as new, and desire to secure by Letters Patent, is

i 1. A numbered book for banking and commercial purposes, said book consisting of a set of covers with a number on one of said ers, one-of said covers having a number thereon, of a series of sheets being divided by horizontal and vertical rows of perforated and unperforated lines into coupons and stubs, said coupons bearinganumber identicalwith number on cover and each having printed thereon an agreement that the person detaching such coupon will deposit it in a certain bank together with amount in money represented thereby, said stubs bearing a number the same as number on coupons and each having printed thereon aform of receipt, and a series of sheets having appropriate headings and horizontal and vertical lines arranged to constitute debit and credit pages for entry of deposits and withdrawals, substantially as described.

3. In a book for banking and commercial purposes, the combination, with a set of covers having a number thereon and a series of sheets having headings and vertical columns for debit and credit entries, of a series of sheets, said sheets being divided by horizon- IOC tal and vertical perforated lines into detachable coupons and stubs therefor, each of said coupons and stubs bearinga number identical with number on cover, said coupons containing an agreement that the person detaching them agrees to deposit an amount represented thereby in the bank designated on said cover, and the stubs each containing a blank form of agreement to besigned by person detaching said coupons.

4. The combination, with a book having a numbered cover and leaves with headings and columns for debit and credit entries, of other leaves comprising discount deposit-coupons containing an agreement that the person detaching the same will deposit an amount named thereon to credit of person designated, and stubs therefor containing a form of agreement, said coupons being adapted to be detached from said stubs, and the said stubs and coupons being numbered to correspond to number on said cover, all being assembled and bound together, substantially as described.

In testimony whereof I have signed my name to this specification in the presence of two subscribing witnesses.

PAUL KUEHN. Witnesses:

HARRY HOWE, WILBER A. OWEN.v

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