Improvements in and relating to Bank Cheque Books.
Year: 1894

page_text: Date of Application, 21st Nov., 1894
Complete Specification Left, 20th Aug., 1895-Accepted, 21st Sept., 1895
PROVISIONAL SPECIFICATION.
Improvements in and relating to Bank Cheque Books.
We, ALFRED DRAPER OTTEWELL of Mill Hill Road, Derby in the County
of Derby, Brass Founder, and JOSEPH COLES of 6 North Parade, Derby
aforesaid, Bank Cashier, do hereby declare the nature of this invention to be
as follows:-
The object of our invention is to provide a handy form of bank cheque book
which will not only contain cheques and a statement of the amounts and other
particulars of the cheques drawn but will also contain a statement of the deposits
and balance after deducting the total amount of cheques drawn.
In carrying out our said invention we provide a book of any convenient size in
which are a convenient number of cheques made out in any of the well known
forms to "Order," "Bearer," or the like, but instead of the usual counterfoil to
each chicque containing the number of the cheque, the date and amount of same,
with the name of the payee and the purpose for which the cheque has been drawn,
we interleave the said cheque book at certain convenient intervals, say after every
third cheque, each interleaf containing on the front side suitable ruling, spaces and
lettering for entering the balance brought forward, the dates, amounts and nature
of the deposits made, the total of the deposits, a statement of the numbers and
total of cheques drawn, which total is deducted from the total of the deposits,
and the balance to be carried forward to the deposit side of the next interleaf.
On the back of each interleaf we provide ruling, spaces and lettering for entering
a statement of the cheques drawn, with the number and date of each, to whom
payable and for what purpose; the amounts being entered in a column and brought
to a total at the bottom of the page, this total is carried forward to the next deposit
page and deducted from the total of the deposits as already stated.
Upon the inside of the cover at the beginning of the book or upon a fly leaf
inserted for the purpose we also place a page for the statement of the cheques
drawn, as already described, and at the end of the book either upon the inside of
the cover or upon a leaf specially inserted we place the aforesaid ruling spacing
and lettering for a statement of the balance brought forward, the deposits and total
of same, the deduction for total of cheques drawn and balance carried forward as
already described.
It is evident that without departing from the spirit of our invention we may vary
the number of cheques between the interleaves, the pages for containing the
statement of cheques drawn would however be made to correspond in ruling and
spacing to the number of cheques between the interleaves: we find in practice that
three is the most convenient number and gives the most useful size of book for the
pocket.
This form of cheque book will be found very useful for persons who wish to
have a concise statement of their banking account without the inconvenience of
carrying the usual pass book and will enable the depositor to see at a glance the
state of his account.
Dated this 20th day of November 1801
W. SWINDELL,
Agent for the Applicants.

page_text: of Derby, Brass Founder, and JOSEPH COLES of 6 North Parade, Derby
aforesaid, Bank Cashier, 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 :-
The object of our invention is to provide a handy form of bank cheque book
which will not only contain cheques and the usual statement on counterfoils of the
amounts and other particulars of the cheques drawn, but will also contain a
statement of the deposits and balance after deducting the amount or total amount
of sums or cheques drawn.
In describing our invention reference will be had to the accompanying sheet of
drawings upon which :-
Figure 1 shews our improved cheque book opened on the line 'a.' 'a.' at the
beginning of the book or at the commencement of a series of cheques as will be
hereinafter explained.
Figure 2 shews the deposit page to be inserted in the cheque book as bereinafter
described.
33
In carrying out our said invention we provide a book of any convenient size in
which are a convenient number of cheques made out in any of the well known
forms, to "Order," "Bearer or the like, but instead of the usual counterfoil to
each cheque containing the number of the cheque, with space for the date and
amount of same, and the name of the payee and the purpose for which the cheque
is to be drawn, we interleave the said cheque book at certain convenient intervals,
say after every third cheque, each interleaf containing on the front side suitable
ruling, spaces and lettering as shewn upon Figure 2 for entering the balance
brought forward, the dates, amounts and nature of deposits made, the total of the
deposits, a statement of the numbers and total amount of cheques drawn which
total is deducted from the total of the deposits, and the balance to be carried
forward to the deposit side of the next interleaf. On the back of each interleaf
we provide a space B as shewn at the top of the left half of Figure 1, for entering
special withdrawals such as commission, cost of cheque book, withdrawals by other
cheques, etc., etc., and spaces below for entering the ordinary statement of the
cheques drawn, with the numbers and date of each, to whom payable and for what
purpose; the above amounts being entered in a column and brought to a total at
the bottom of the page, this total is carried forward to the next deposit page and
deducted from the total of the deposits as already stated.
It will be seen upon the drawings that fictitious names and other matter are
introduced for the sake of illustration only.
Upon the inside of the cover at the beginning of the book or upon a fly leaf
inserted for the purpose we also place the page for the statement of the sums or
cheques drawn, as already described in reference to the left half of Figure 1; and
at the end of the book either upon the inside of the cover or upon a leaf specially
inserted, we place the ruling, spacing and lettering for a statement of the balance
brought forward, the deposits and total of same, the deduction for total of sums
or cheques drawn and balance carried forward as shewn in Figure 2 before
referred to.
It is evident that without departing from the spirit of our invention we may
vary the number of cheques between the interleaves, the pages for containing the
statement of cheques drawn would however be made to correspond in ruling and
spacing to the number of cheques between the interleaves: we find in practice that

page_text: three is the most convenient number and gives the most useful size of book for the
pocket.
This form of cheque book will be found very useful for persons who wish to
have, available at a moment's notice, a concise statement of their banking account
without the inconvenience of carrying the usual pass-book, for it enables the
depositor to see at a glance the state of his account. Each cheque book being
made to shew a complete record of withdrawals and deposits, the balance at the
start and the balance at the finish, besides practically the balance after the
withdrawal of any sum or cheque, or insertion of any deposit.
It thus avoids the necessity for a third book to ascertain the balance in bank,
and shews the balance much more practically and readily than the usual combined
reference to the ordinary cheque book and pass book.
Having now particularly described and ascertained the nature of our said
invention and in what manner the same is to be performed, we declare that what
we claim is :-
1. A cheque-book, complete in itself shewing the balance on deposit before any
of the sums or cheques in the book have been drawn, and the balance after
every sum or cheque in the book has been drawn, and the balance at intermediate
points.
2. A cheque book shewing on the first printed page the amounts withdrawn, and
on the last printed page the balance brought forward, the amounts, and totals of
same, deposited, total of cheques drawn, and balance to be carried forward: pages
being interleaved after every series of cheques for entering the same information
upon, and the said withdrawal and deposit pages being suitably prepared with
spaces, lettering and other necessary matter substantially as described and
illustrated.
Dated this Nineteenth day of August 1895.
W. SWINDELL.
Agent for the Applicants.