US752520A - Combination banking-book - Google Patents

Description

No. 752,520. y PATBNTED FEB. 1 6, 1904,

A. B. CLEMENTS. l COMBINATION BANKING BBOK.

APPLITIOH FILED DNLS 1903.

N0 MODEL. 3 SEEETS-SHEBT`1.

Tm: nonms PETERS so., Fumo-umu.. vusnlnmcm. u. c.

Ng. 752,520. PATENTBD PEB. 16,1904.

AA. B. GLBMEN'IS.

COMBINATION BANKING BGOK. APrLoATroN FILED DEG. s, 19o3.-

-NO MODEL. 3 SHEETS-SHEET 2:

DEARSIR: 65%' wwe-1052A Y' Accoun BALANE wiggle Youn BALANCE 5 Nam DEPOST STICK oPPoslTE coRnEsPm-:DING sTUs.

FoHwARDED ORDER QF AMT Bao usm' wxrHonA Acc oxmr BALANCE FORWARDED I W/'JNESS 5.V I y [NI/ENTo/e @am D @a @ma A 4 ffomeyr LNO. 752,520* PATBNTBD 16-, 1904.

' A. B. GLEMBNTS.

COMBINATION BANKING BooK.

No MODEL APPLIUATION FILED DE()l 9, 1903. 3 SHEETS-SEET ABACIST TRUST C0.

WASHINGTON, 0.0.

DEPosTTE ev onor-:R oF

AMT B ROUGHT DOLLARS cTs WITH v GOLD SlLvcR`..

CURRENCY- ForewARDeo AccouNT BALANCE SAVTNGS DEPOSITS, PLEASE Sapp ME: v

MONEY ORDER ma I 5 STTCK AcKNowLEc/GMENT oF DEPOSIT, ORDER DRAFT oN g omcHEcK CORRESPQNDTNG To CURRENCY BYREGISTERED MAH. PRECEDNG STUB HERE v GuRRENcv BY ExPREss ANDCHI-RGETHE SAME T0 MY Afl-COUNT NGJOlS ABACIST TRUST Co. WMMTNGTON,I D.C. ABACIST TRUST CO' N so SUBJECT T YOUR REGULATIONS REGARDTN y S/wmcvf) DEPQSITS, PLEAS; SEND ME'.

DRM-TON v CURRENY BY REGTSTERED MATL i CURRENCY BY EXPRESS.A il AND CHAGETH ras/man: mv AccouN-r NO 81' OEPosx'rEn BY DOLLARS SlLvEn CURRENcY ADDRESS @Horus TJ! l' No. I752,520.

Patented February 16, 1904.

U NITEDV STATES PATENT i OFFICE.

ABNER B. oLnMEN-Ts, or Borre, MONTANA.

7 COMBINATION BANKiNe-BOOK.

SPECIFICATIONVforming part of Letters Patent No. 752,520, dated February 16, 1904. v Application led December 9, 1963. Serial No. 184,420. `(No model.)

To all whom it may concern:

Be it known that I, ABN'ER B. CLnMnN'rs, a citizen of the UnitedStates, residing atl Butte, in the county of Silverbow and State ofMontana, have invented certain new and useful Imp provements in Combination Banking-Books; and I do hereby declare the following to be a full, clear, and exact descriptionof the invention, such as will enable others skilled in the art to which it appertains to m`ake and use the same. p

My invention relates to improvements in combination blank-books, and is especially applicable for use with banking institutions having savings accounts of out-of-town customers.

It is well known that savings-banks as a rule generally require that the pass-book of a depositor be surrendered to the bank with each order on the bank or check Vas drawn, so that entry may be madev thereon immediately to give the depositor the balance to his credit. This results in great inconvenience at times to depositors, and the present invention is intended to obviate this objection by the use of an order orv checkbook adapted also to contain receipts for deposits and notice of withdrawals from the bank, thus acting as a comv bined check and pass book. v

To more fully describe my invention and thesystem to'which it is especially applicable, reference is had to lthe accompanying drawings illustrating the same, in which like letters designate corresponding parts in the several views, and in which- Figure l represents a plan-view of the open book, showing the face of a check and the rear face of an entry-slip or stub, the top cover of the book being broken away. Fig. 2 is a simi- Fig. 5, aiperspective view of a modiied form of book using a folded check; Fig. 6, a plan view of another modified form of book illusand front faces, respectively.'of the entry-slip or stub and a detachable combined order-blank and Adeposit-slip; Fig. 7, a similar view to Fig. 6, showing the reverse faces of the entry-slip or stub and the detachable slip; and Fig. 8 is a view substantially similar to Fig. 2, a part being broken away, illustrating a still further modified form, showing both the ldeposit-slip and order-blank on the rear face 'of the check.

Referring now to Figs. 1 to 4, A represents the check; B, the entry-slip or stub, a plurality of which are alternately arranged in book form within the covers C D. The front face A of the check is provided with the usual formof order and on the back A2 thereof is Ytrated as being open and showing the rear Y printed the usuaiform of deposit, the rear face of the check constituting a deposit-slip if it is desired to make a deposit. Alternating with each check and preferably shorter in length is arranged the stub portion B, the front face B of which is provided with a printed memorandum substantially to the effect to Stick acknowledgment of deposit or check corresponding to preceding stub here, and the reverse side B2 is provided with the usual form common to check-book stubs.

E represents the bank-receipt or acknowledgment of deposit pasted on the front face B of the stub, which was located immediately behind the check, which in this case was used as a deposit-slip.

F represents a charge-slip or notice of withdrawal similarly replacing the check, which in this instance has been used to draw on the account, instead of as a deposit-slip. This charge-slip is preferably of a prominent color to avoid confusion, and in the drawings I have illustrated it as being green, although it is manifest that any other suitable color might In the modification illustrated in Fig.v 5 the arrangement is substantially similar to the preceding gures, with the exception that the book is simply shortened, the check being transversely folded centrally, as at A0.

rIhe form shown in Figs. 6 and 7, where the book is intended more particularly for use in dealing directly with the bank without the mediation of a check to third parties, is substantially, in eect, the same as in the previous figures in savings accounts. In this form of book, however, it will be observed that the blank form of check has been dispensed with and a detachable slip inserted in lieu thereof containing on one face, A3, the printed form of deposit and on the reverse face, A4, an order-blank form, the use of which avoids the necessity of the customer writing out both a check and a letter of instructions, the blank order-form when filled out'serving in this dual capacity.

In the form illustrated in Fig. 8 the arrangements disclosed in the previous figures are combined in a single book, in this ligure Afdesignating the back of a blank check-form, which may be folded, as in Fig. 5, and A6 and A, respectively, the blank form of depositslip and order-blank printed alongside each other on the back of the 'check-form. It is obvious, however, that although I have shown these blank printed forms as extending longitudinally of the check-form they may be disposed transversely thereof or one transversely and the other longitudinally thereof, as may be desired.

To illustrate the application and use of my improved combined order or check and pass book, and referring more particularly to Figs. 1 to 4L, we will assume that check No. l has been filled out as a deposit-slip and, together with one hundred dollars, mailed to the bank. Upon the receipt of the same the bank iills out the slip E, which is mailed to the customer and forms a receipt for the deposit, in place of the usual form of entering a deposit on the ordinary pass-book. This receipt is then pasted by the customer upon the front face B of the stub which has been exposed by the tearingout of the blank check. We will now assume that check No. 2 has been used to draw on the account for fifty dollars. In this instance when the check has been received and paid by the bank the bank mails to the customer the green notice or charge-slip F, showing the balance to the customers credit at the bank, this in lieu of necessitating the customer bringing his pass-book with the check to the bank and having the entry of withdrawal made on the passbook simultaneously with the payment of the check.

With reference to Figs. 6 and 7 the idea is substantially the same, the detachable combined withdrawal order-blank and deposit-slip corresponding, in effect, to the combined blank check-form and deposit-slip.

verse faces with a blank form of deposit, a

plurality of entry-slips alternating therewith, and a suitable cover therefor.

3. The combination with a withdrawal order-book comprising a plurality of blank ori der-forms, a plurality of entry-slips alternating therewith, and a suitable cover therefor, of means cooperating with said order-book for also utilizing the same as a pass-book and maintaining the balance to the customers credit substantially as each transaction is completed, comprising bank charge and credit slips adapted to be pasted on the front face of said entry-slips in lieu of the used and detached order-form.

4. The combination with a withdrawal order-book comprising a plurality of blank order-forms, provided on their reverse faces with a blank form of deposit, a plurality of entry-slips-alternating therewith, and a suitable cover therefor, of means coperating with said order-book for also utilizing the same as a pass-book and maintaining the balance to the customers credit substantially as each transaction is completed, comprising bank charge or credit slips adapted to be pasted on the front face of said entry-slips in lieu of the used` and detachable order-form or depositslip.

5. A blank form of check provided on its rear face with a blank form of deposit.

6. A check book comprising a plurality of check-forms provided on their rear faces with a blank form of deposit, a plurality of entryslips alternatingv therewith, and a suitable cover therefor.

7. A check-book comprising a plurality of check-forms provided on their rear faces with a blank form of deposit, a plurality of entrystubs alternating therewith, and a suitable cover therefor.

8. A blank form of check provided on its rear face with a blank form of deposit and a blank order-form.

9. A check-book comprising a plurality of check-forms provided on their rear faces with a blank form of deposit and a blank orderform, a plurality of entry-slips alternating therewith and a suitable cover therefor.

IOO

IIO

order-form, aplurality of entry-slips alternat- IO ing therewith, and a suitable cover therefor.

In testimony whereof I alix my signature in presence of two Witnesses.

ABNER B. CLEMENTS.

Witnesses: 'v G. A. BRERETom E. M. BRANDT.

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