AN IMPROVED FORM OF CHEQUE TO FACILITATE THE TRANSMISSION OF MONEY PROVISIONAL SPATION TO AND FROM ANY PLACE, AND IN ANY CURRENCY REQUIRED
Year: 1875

page_text: LETTERS PATENT to Maurice Sternberg, of No. 2, Eastlake Road,
Brixton, in the County of Surrey, Gentleman, for the Invention of
"AN IMPROVED FORM OF CHEQUE TO FACILITATE THE TRANSMISSION OF MONEY
PROVISIONAL SPECIFICATION left by the said Maurice Sternberg at the
Office of the Commissioners of Patents, with his Petition, on the
23rd October 1875.
I, MAURICE STERNBERG, of No. 2, Eastlake Road, Brixton, in the
County of Surrey, Gentleman, do hereby declare the nature of the said
Invention for "AN IMPROVED FORM OF CHEQUE TO FACILITATE THE TRANSMISSION
OF MONEY TO AND FROM ANY PLACE, AND IN ANY CURRENCY REQUIRED," to be as
follows:
The Invention consists of a form of cheque with counterfoil and
advice note all attached and bearing corresponding numbers, the advice

page_text: note being in the centre and joined to both the cheque and the counter-
foil by perforated lines so as to be casily separated for use. It is also
made with lappets and already addressed to the bank where the account
of the drawer is kept, so as to be used readily as an advice note to the
bank when it is desired to make the cheque payable at any other place
than that at which the drawer of the cheque keeps his account.
The object of the advice note is to facilitate the transmission of money
to and from any place and in any currency whatever without the
trouble and inconvenience attending the transmission of money by any
other of the comparatively troublesome operations hitherto practised,
and to secure the prompter and cheaper transmission of money from
one place to another, irrespective of currency or country, by cheque,
without need for the sender to keep more than the usual banking
account at one single branch.
The feature of novelty of the Invention consists in the advice note
made with lappets and perforated so as to be readily detached, by micans
of which the bank will be able to ensure the payment of the cheque in
any currency required and in any place where a branch or an agency
exists without any further trouble to the drawer, and without any risk
whatever to the bank.
A person desiring to transmit money would fill up a cheque in the
ordinary way now practised and transmit it to the payee; at the same
time the drawer of the cheque would fill up the advice note by inserting
the place where payable, the amount, and signature, and detach it from
the counterfoil or third division of the book and send to the bank to
which it is already addressed. The bank upon receipt of this advico
will ascertain the availability of the corresponding cheque, and mark
the advice note accordingly, and afterwards transmit it to the place
where the cheque is made payable, where it will serve to verify the
signature to the cheque, as also as an order upon the branch or agency
where payable to pay the amount mentioned in the cheque.

page_text: SPECIFICATION in pursuance of the conditions of the Letters Patent,
filed by the said Maurice Sternberg in the Great Seal Patent Office
on the 22nd April 1876.
TO ALL TO WHOM THESE PRESENTS SHALL COME, I, MAURICE
STERNBERG, of No. 2, Eastlake Road, Brixton, in the County of Surrey,
Gentleman, send greeting.
WHEREAS Her most Excellent Majesty Queen Victoria, by Her
Letters Patent, bearing date the Twenty-third day of October, in the
year of our Lord One thousand eight hundred and seventy-five, in tho
thirty-ninth year of Her reign, did, for Herself, Her heirs and suc-
cessors, give and grant unto me, the said Maurice Sternberg, Her special
licence that I, the said Maurice Sternberg, my executors, administrators,
and assigns, or such others as I, the said Maurice Sternberg, my exe-
cutors, administrators, and assigns, should at any time agree with, and
no others, from time to time and at all times thereafter during the term
therein expressed, should and lawfully might make, use, exercise, and
vend, within the United Kingdom of Great Britain and Ireland, the
Channel Islands, and Isle of Man, an Invention for "AN IMPROVED
FORM OF CHEQUE TO FACILITATE THE TRANSMISSION OF MONEY TO AND PROM
ANY PLACE, AND IN ANY CURRENCY REQUIRED," upon the condition (amongst
others) that I, the said Maurice Sternberg, my executors or adminis-
trators, by an instrument in writing under my, or their, or one of
their hands and seals, should particularly describe and ascertain the
nature of the said Invention; and in what manner the same was to be
performed, and cause the same to be filed in the Great Seal Patent
Office within six calendar months next and immediately after the date
of the said Letters Patent.
NOW KNOW YE, that I, the said Maurice Sternberg, do hereby declare
the nature of my said Invention, and in what manner the same is to be
performed, to be particularly described and ascertained in and by the
following statement and description thereof, and in and by the Drawing
accompanying this Specification, together with the explanation referring
to the said Drawing herein contained, that is to say:
My Invention relates to cheques to be used in connection with the
business of banking and for other purposes. It consists of a form of

page_text: may be immediately posted or delivered. The bank to which it is
addressed will upon its receipt be enabled to refer to the account of the
drawer, and if in order to stamp such advice note for payment previous
to sending it to the branch or agency where the cheque is made
payable, and by an casy arrangement this advice note will be sent
to the branch or agency before the cheque can be presented for pay-
ment, the advice note thus serving every purpose of verification of
signature and validity of cheque.
The features of novelty of the Invention consists in the advice note
made with lappets and perforated, as before mentioned, by means of
which the bank will be able to ensure the payment of the cheque in any
currency required, and in any place where a branch or an agency
exists, without any further trouble to the drawer and without any risk
whatever to the bank.
A person desiring to transmit money would fill up a cheque in the
ordinary way now practised and transmit it to the payee; at the same
time the drawer of the cheque would fill up the advice note by inserting
the place where payable, the amount, and signature, and detach it from
the counterfoil or third division of the book and send it to the bank to
which it is already addressed. The bank upon receipt of this advico
note will ascertain the availability of the corresponding cheque, and
mark the advice note accordingly, and afterwards transmit it to the
place where the cheque is made payable, where it will serve to verify
the signature to the cheque, as also as an order upon the branch or
agency where payable to pay the amount mentioned in the cheque.
Having thus described and ascertained the nature of my Invention
and the manner in which the same is to be performed and carried into
effect, and the form and construction of the same, I would observe that
I do not confine myself to the precise arrangement of parts thereof or
to the actual form and dimensions. herein-before given and illustrated
on the Drawing, nor do I confine myself to the use of my Invention
for banking purposes exclusively, as it may be applied in other businesses
to various other purposes; but what I claim and desire to be secured to
me by the hercin-before in part recited Letters Patent is, the new and
improved form of cheque, counterfoil, and advice note combined for
facilitating the transmission of money to and from any place and in any

page_text: currency required, and for other useful purposes, substantially as
herein-before described and shown on the Drawings, or any mere
modification or imitation thereof.
In witness whereof, I, the said Maurice Sternberg, have here-
unto set my hand and scal, this Twenty-second day of April,
in the year of our Lord One thousand eight hundred and seventy-
six.
MAURICE STERNBERG. (L.S.)