Improvements in or connected with Coin Freed or Actuated .Insurance Apparatus.
Year: 1897

page_text: Date of Application, 11th Aug., 1897
Complete Specification Left, 11th May, 1898-Accepted, 11th Nov.,
1898
Improvements in or connected with Coin Freed or Actuated
.Insurance Apparatus.
We, JOHN Moss, Insurance Secretary, and CHARLES GRANTLEY BEECHEY,
Engineer, both of 24, Chapel Walks, Liverpool, in the County of Lancaster, do
hereby declare the nature of this invention to be as follows:-
This invention has reference to coin-freed or actuated apparatus for effecting
insurances, in which, upon the insertion of a coin or the like, an insurance ticket
is issued, or can be withdrawn. As for instance, it has reference to apparatus
such as is set forth in our former specification of Patent No. 20182 of 1892.
The chief object of the present invention is to provide a means of checking the
use of the apparatus, so as to detect or avoid fraud or mistakes.
According to the present invention, say in connection with an apparatus of the
character set forth in our former patent specification, the tickets delivered are
adapted to be divided, or a double ticket is issued, a part of which is to be kept,
and the other part separated and returned through a slot or the like, to the auto-
matic apparatus, and collected in order; and, in connection with the tickets so
introduced or returned, a token, disc, or the like, is automatically introduced
(say, every hour) into the tube or receptacle in which said tickets are collected,
by a clock driven mechanism, the said tokens, discs, or the like, having upon them
numbers corresponding with the time at which they are automatically fed into
the returned ticket receptacle; so that the time at which any ticket, or set of
tickets, is or are introduced, or returned, can be ascertained or checked.
One form of device for supplying or feeding these discs, tokens, or the like,
is a pronged rotating device, revolving under a shoot or tube containing a pile of
same; and by the revolution of the prongs, they are moved one by one from the
store pile, to an aperture, through which they fall, and from whence they are led
through a suitable conduit to the return ticket tube or receptacle.
The prong device is rotated by a clock or spring motor at the required speed;
say, so as to feed one disc or the like each hour; and this clock is so placed in the
apparatus that the face of it can be seen, shewing thereby the time at which the
apparatus is being used by the insurer.
The two parts of the tickets will be provided with marks for identification; and,
in most cases, will be signed or written upon by the insurer across the two parts,
and preferably also, with the date and time added, so that the two parts afford
identification by the writings of the insurer, as well as by the other means of
identification.
For different days or periods of time, the tokens, discs, or the like, which are
automatically supplied, may be of different colours.
It is to be stated that the invention is not necessarily restricted as to the

page_text: particular forms and parts described, or relative positions, as these can be modified
or varied without departing from its main or essential characteristics.
Dated this 10th day of August 1897.
CHEESBROUGH & ROYSTON,
Applicants' Patent Agents, 15, Water Street, Liverpool.
Improvements in or connected with Coin Freed or Actuated
Insurance Apparatus.
We, JOHN Moss, Insurance Secretary, and CHARLES GRANTLEY BEECHEY,
Engineer, both of 24, Chapel Walks, Liverpool, in the County of Lancaster, do
hereby declare the nature of this invention and in what manner the same is to
be performed, to be particularly described and ascertained in and by the following
statement:
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This invention has reference to coin freed, or actuated apparatus for effecting
insurances, in which, upon the insertion of a coin or the like, an insurance ticket
is issued, or can be withdrawn. As for instance, it has reference to apparatus
such as is set forth in our former specification of Patent No. 20182 of 1892.
The chief object of the present invention is to provide a means of checking the
use of the apparatus, so as to detect or avoid fraud or mistakes.
According to the present invention, say in connection with an apparatus of the
character set forth in our former patent specification, the tickets delivered are
adapted to be divided, or a double ticket is issued, a part of which is to be kept,
and the other part separated and returned through a slot or the like, to the auto-
matic apparatus, and collected in order; and, in connection with the tickets so
introduced or returned, a token, disc, or the like, is automatically introduced
(say, every hour) into the tube or receptacle, in which said tickets are collected,
by a clock driven mechanism, the said tokens, discs, or the like, having upon them
numbers corresponding with the time at which they are automatically fed into
the returned ticket receptacle; so that the time at which any ticket, or set of
tickets, is or are introduced, or returned, can be ascertained or checked.
One form of device for supplying or feeding these discs, tokens, or the like,
is a pronged rotating device, revolving under a shoot or tube containing a pile of
same; and by the revolution of the prongs, they are moved one by one from the
store pile, to an aperture, through which they fall, and from whence they are led
through a suitable conduit to the return ticket tube or receptacle.
The prong device is rotated by a clock or spring motor at the required speed;
say, so as to feed one disc or the like each hour; and this clock is so placed in the
apparatus that the face of it can be seen, shewing thereby the time at which the
apparatus is being used by the insurer.
The two parts of the tickets will be provided with marks for identification; and,
in most cases, will be signed or written upon by the insurer across the two parts,
and preferably, also, with the date and time added, so that the two parts afford
identification by the writings of the insurer, as well as by the other means of
identification.
For different days or periods of time, the tokens, discs or the like, which are
automatically supplied, may be of different colours.
It is to be stated that the invention is not necessarily restricted as to the
particular forms and parts described, or relative positions, as these can be modified
or varied without departing from its main or essential characteristics.

page_text: The invention will be described by the aid of the accompanying drawings,
which illustrate an apparatus for effecting assurances or insurances, provided with
our present improvements. In these drawings, Figure 1 is a front sectional eleva-
tion; Figure 2 is a front outside elevation; and Figure 3 is a sectional plan taken
at the line A A Figure 1.
Referring to the drawings, a is a bin in which the policy tickets are stored, b is
a box or case on which the actuating coin controlled mechanisms, and ticket
delivery mechanism, are located; and c is a box stand, having a lock-up door c¹,
on which the upper structure is supported, and in which the coins, etcetera, are
collected, as hereafter described. d is the discharge handle by which the ticket
delivering mechanism is operated; and e is the tube within the box b under the
mouth of the bin a, which receives the tickets as they are delivered from this bin,
and by which they are conducted to a tray e¹ outside the box b. All these parts,
ticket bin, coin controlled mechanism, ticket delivery mechanism, and conduit,
are well known, and may be of any of those known, which are suitable, to the
purpose. The coin controlled mechanism, of whatever known kind may be
employed, is, as shewn, placed in the upper right hand corner of the box b, and
is generally designated f; and the coins. introduced into it, fall from it, into the
tube h below, where they are collected in order of deposit, they being withdrawn
at the bottom end, in any known suitable way.
Of course the ticket bin a, and the other checking device store tube, hereinafter
described, are normally closed and locked.
As the
To provide detection generally, or wrongful use of the apparatus, and checking
and identification of assurances, there is combined and used in connection with
the apparatus, a means of storing, automatically supplying, and delivering from
a point of storage, to a point of delivery and collection, within the apparatus itself,
checking devices or tallies, in conjunction with portions of policy tickets to be
returned to and collected in the apparatus by the assurer; and the mode of
operating this checking means, and of its use as a means of detection, and fraud
prevention is as follows:-In the upper part of the apparatus there is a tube i,
serving as a store tube for holding, one above the other, in a pile, discs of any
suitable material, as bone, zylonite, or the like, and say about the thickness of
a coin; whilst, at the bottom of this tube, and resting and supported on the floor b
of the box b, is a star device k, having bent arms, as shewn clearly in Figure 3;
the lower edge of the tube i being about on a level with the upper surface of the
arm device. This device k is revolved and controlled by a clock motor and
time-keeper, mounted on the front plate of the box b, part of its works or gear
being connected with the disc k through gear wheels, and shafts k³.
clock works, therefore, the disc k will be gradually revolved; and the arms of it
will sweep a check disc from under the tube i, which will have fallen in between
these arms from the tube on to the bed plate b; and will carry it round; and as
each arm is arranged to pass under the tube i at certain intervals of time, say
once in every quarter hour, half hour, or other period, one disc will be removed in
each of said periods. Then in connection with these parts, there is used a
receiving tube m, in the lower box c, opening up through the plate b¹ under k,
and over the mouth of which the star arms sweep; and as the checking discs,
being moved by the arms, pass over this mouth, they will fall into same and are
collected in order, one upon the other. In connection with this tube there is a
branch tube n, communicating between a slot n' in the side of the box b, and the
tube m below k, and through this tube n, the portions of the policy to be returned
by the user of the machine, are conveyed to the tube m. Thus these tickets will
be sandwiched between discs, automatically delivered into the tube m, from the
tube; and thus the time at which any of the tickets between any checking discs
are introduced, can be ascertained by the number of the discs above the bottom of
the tube m; as after the tube m is closed and the time of clearance taken, every
disc or check moved into the tube m, will represent a period of time from the
starting point. That is, in the case of an accident taking place, and the time

page_text: of the accident being known, no Policy ticket, presented to the insurers for pay-
ment for such accident, and found by the checking disc in the tube m, and the
corresponding returned tickets in it, to have been issued after the accident (which,
as stated, can be ascertained by the number of discs in the tube) will be paid for,
in spite of any false marking upon them as to the time they were taken from the
machine.
As a modification of this, in lieu of these checking discs being delivered in
the separate tube, m, they may be delivered in the coin receiving tube h, and as
the number of discs from the bottom represent so much time, or periods, within
which any coin has been introduced, and as the number of coins from the bottom
of the tube will correspond with the numerical number borne by a ticket, the time
at which any ticket has been issued by the machine can be ascertained; but the
separate means of collecting the time checking discs and the return tickets, is
very much preferable to the other.
Having now particularly described and ascertained the nature of this
invention and in what manner the same is to be performed, we declare that what
we claim is: :-
1. The herein described improvement in apparatus for effecting insurances of
assurances, namely, an apparatus wherein checks or checking devices are auto-
matically periodically introduced in among the tickets, or other articles introduced
into the apparatus by the user; for the purposes set forth.
2. In apparatus for effecting assurances or insurances, a storage bin for con-
taining checks or checking devices, and an automatic motor by which the checks
or checking devices are removed seriatim from said bin to another receptacle below;
substantially as and for the purposes set forth.
3. In apparatus for effecting assurances and insurances, storage bins for Policy
tickets, and checking devices; means for withdrawing said tickets; a clock motor,
and device operated thereby, connected with the checking device storage bin;
and a receiving bin for return tickets, and checking devices; operating and
arranged substantially as and for the purposes set forth.
4. In apparatus of the kind herein referred to, for effecting assurances and in-
surances, the checking device storage, delivery, and receiving means, set forth
with reference to and shewn in the drawings.
Dated this 10th day of May 1898
CHEESBROUGH & ROYSTON,
Applicants' Patent Agents, 15, Water Street, Liverpool.