US714920A - Combined bank-deposit and coupon book. - Google Patents

Description

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BGIIBINED BANK DEPUSIT AND COUPON 800K.

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THE BLANKSAWNGSBANK TOLEDO omo WITNESSE.

UNITED STATES PATENT OFFICE.

PAUL KUEl-IN, OF TOLEDO, OHIO, ASSIGNOR TO THE DEPOSIT-COUPON COMPANY, OF TOLEDO, OHIO, A CORPORATION OF OHIO.

COMBINED BANK-DEPOSIT AND COUPON BOOK.

SPECIFICATION forming part of Letters Patent No. 714,920, dated December 2, 1902.

Application filed September 13,1902. Serial No. 123,221. (No model.)

To all whom, '1115 11i/ay concern:

Be it known that I, PAUL KUEHN` a citizen of the United States, residing at Toledo, in the county of Lucas and State of Ohio, have invented certain new and useful Improvements in a Combined Bank-Deposit and Coupon Book; and I do hereby declare the following to be afull, clear, and exact description of the invention, such as will enable others skilled in the art to which it apperrains to make and use the same, reference being had to the accompanying drawings, and to the letters and figures of reference marked thereon, which form a part of this specification.

My invention relates to books employed in banking and commercial transactions and used on the cooperative system, and relates particularly to improvements in United States Letters Patent No. 705,851, granted to me July 29, 1902; and the same consists in a numbered book comprising` a cover of any suitable design, a desired number of sheets divided by lines into suitable spaces and so perforated as to adapt them to be detached from said book, and in addition to these a number of pages provided with the appropriate headings, columns, and ruled lines common to an ordinary bank-deposit book for the purpose of entering deposits and withdrawals.

The object of my invention is the production of an advertising medium whereby savings-banks advertise their business and secure depositors and whereby merchants by entering into an agreement with such bank increase cash-trading and their customers have the benefit of a cash discount, which instead of being paid by the merchant to the customer either in cash or trading is credited by the bank to the account of the customer, thereby benefiting the bank by increasing its customers and its cash deposits, the

merchant by increasinghis cash sales, and the customer by obtaining his discounts in cash instead of trade and aiding him in starting a bank account, thus encouraging thrift and economy among the people.

While the essential and characteristic features of my invention are necessarily susceptible of modication, still the preferred embodiment thereof is illustrated in the accompanying drawings, in which- Figure l is a perspective view of my iinproved book in open position, showing the back and frontof two of the detachable sheets. Fig. 2 isa similar view of my book, showing two sheets of the deposit and withdrawal blanks common to the ordinary bank-book. Fig. 3 is a perspective view of my improved book when closed, showing the front cover thereof with the printed matter thereon; and Fig. 4 illustrates a coupon adapted to be used in connection with my book.

l represents the back of one of the detachable sheets A, which has printed thereon an agreement to the effect thata certain bank will detach the sheet when properly lled with coupons and credit holder of book with amount represented thereby, and 2 represents the front of one of the sheets A, which is divided by the vertical line 3 and the horizontal lines 4 into a series of squares or rectangles, Which mark the spaces in which the coupons B are to be attached. Instructions to the holder, substantially as shown in drawings, may also be printed thereon. The sheets A are adapted to be detached from the book by means of the vertical perforated line 5, thus leaving the stub 6, which bears a blank form of receipt, to be signed by the receiving-teller of the bank when the correspending sheet, with the coupons thereto attached, has been detached from the book.

C represents two pages of the portion of my book common lo an ordinary deposit-book, which have the appropriate headings and vertical and horizontal rulings therefor, the column 7 at the left being for the deposit entries and the column 8 at the right for the withdrawal entries.

A suitable number of the sheets A, with their respective stubs G and the debit and credit sheets C, are bound between the usual covers D and E, the front cover having printed on its outer face the name of the bank distributing the book and to which it is to be taken for credits, together with a number, if it is desired to so designate the holder thereof.

In carrying my invention into practice savings-banks and merchant-s doing business in IOO the same locality enter intoy an agreement whereby the bank distributes books among the public free of charge, making a record of the number of the book and name and address of the person to Whom it is delivered, and supplies the merchant enteringinto such agreement with a desired number of coupons, each of which represents a certain value, us ually live cents,Who in turn deposits an amount of money in the bank equal to the amount Vrepresented by the coupons Which he has received or enters into some other satisfactory agreement with said bank in regard to pay,- iug for said coupons. The merchant agrees that in selling for cash to the holder of one of these books he will deliver` to the person so buying'a sufficient number of coupons to equal in value the amount of discount he agrees to allow. When the spaces in one or more of the sheets A are filled with the cou* pons that have been delivered to the customer, he carries the book to the bank designated yon the cover and has the sheet or sheets so filled detached and the amount represented by the coupons thereto attached entered on the deposit-sheets of the book, the person so detaching and crediting at the same time receipting for the same on the stubs of the respective sheets.

.Having thus described my invention, what Iclaim as new, and desire to secure by Letters Patent, is-

l. In a book for banking and commercial purposes, a series of leaves provided with appropriate headings and ruled and arranged With columns to constitute debit and credit pages for deposits and Withdrawals, a series of leaves divided by vertical and horizontal lines into a plurality of spaces in Which coupons are to be attached, said latter leaves provided With perforations to adapt them to be detached from said book and leave stubs therein, and a blank form'o'f receipt printed on said stubs, substantially as specified.

2. In a book for banking and commercial purposes, a set of covers, a number of sheets having headings and vertical and horizontal columns for debit and credit entries, and a number of perforated sheets, each of said sheets forming a stub and a detachable section, said stubs bearing a blank form of receipt,and said detachable sections divided by vertical and horizontal lines into spaces for the reception of a number of coupons corresponding to the number of such spaces, substantially as specified.

3.. In a book for banking and commercial purposes, the combination, With suitable coupons representing a cash value and adapted to be attached to said book, of aseries of perforated sheets, each of said sheets forming a stub and a detachable section, said stubs bearing a blank form of receipt and said detachable sections divided by vertical and horizon` tallines into a plurality of spaces to mark the positions for said coupons to be attached.

4i. In a book for banking and commercial purposes, a set of covers, one of said covers bearing the name of a bank and an identifying-number, al series of perforated sheets secured between said covers, each of said sheets forming a stub and a detachable section, said detachable section on one side thereof divided by vertical and horizontal lines into spaces for the reception of suitable coupons and on the other side bearing a form of agreement that said bank will detach said section and credit amount represented by coupons thereto attached to account of holder of book.

5. In a book for banking and commercial purposes, the combination of a set of covers bearing the name of a bank and an identifying-number, a series of sheets having headings and vertical and .horizontal columns for debit and credit entries, and a series of perforated sheets, each of said sheets forming a stub and a detachable section, and each of said stubs bearing a blank form of receipt, and each of said detachable sections bearing on one side thereof a form of agreement that said bank Will detach the sheet and place amount represented thereon to credit of holder of book, and on the other side thereof a series of spaces formed by vertical and horizontal lines for the purpose set forth.

6. In a book for banking and commercial purposes, the combination, with a series of coupons representing a cash value and adapted to be attached to said book, and a series of sheets having suitable headings and rulf ings for debit and credit entries, of a series of perforated sheets, each of said sheets forming a stub and a detachable section bearing on one side thereof a form of' agreement that a certain bank Will detach the same and credit amount represented thereon to account of holder of book and having the other side thereof divided into suitable spaces to mark the position where said coupons are to be attached to said sheets.

7. In a book for commercial purposes, the combination, With suitable coupons representing a cash value and adapted to be attached to said book, of a series of perforated sheets, each of said sheets forming a stub and a detachable section, said stubs bearing a blank Iform of receipt, and said detachable sections bearing a form of agreement, substantially as described.

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

PAUL KUEHN.

Witnesses:

C. W. OWEN, J. N. NEAL.

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