A New or Improved Method of Recording Payments by Instalments and otherwise, and Means for Giving Effect to the same.
Year: 1895

page_text: Date of Application, 26th Apr., 1895
Complete Specification Left, 23rd Jan., 1896-Accepted, 25th Apr., 1896
PROVISIONAL SPECIFICATION.
A New or Improved Method of Recording Payments by Instalments
and otherwise, and Means for Giving Effect to the same.
I HENRI 188ANCHOU of 50 Rue Cuvier Paris in the Republic of France.Clerk
in the Telegraph Offices do hereby declare the nature of this invention to be as
follows:-
I provide a sheet of stamps divided into coupons marked with a large figure and
stamped with a number of order as well as sometimes with a serial number and
provided on one of its sides with a margin gummed on the face or on the back.
The design of these stamps varies in accordance with the taste of the designer: but
the stamps have invariably the name of the firm or of the company for whom they have
been issued and their coupons bear besides as the case may be, the month, the week,
the day, the third of the half year and of the quarter, the half year the year and so
on represented by them, or the name of any other object for which they were
made.
The number of the coupons of the stamps is indeterminate and a few amongst
them can be deprived of figures and even of the numbers of order and of series.
To carry out the invention a sheet of receipts (loose or bound) is required with
divisions of the same size as one of the stamps, the large figures of which are
repeated in the same order in the above named divisions, in such a manner that
when sticking a complete stamp on a division of the sheet of receipts the figures of
the
coupons will cover exactly the figures of the said division.
..
The invention is suitable for the collection of quotas or instalments in saving
banks and insurance companies, commission houses and the like.
To illustrate the use of my invention I will designate by the capital letters A. B.
CD the parts of the divisions corresponding to the coupons a b c d of the stamps.
I will assume that each stamp is divided into four coupons of which a is worth 1/-
2-c 4-d 7.
Should there be paid a quota or instalment of 1½ the cashier would detach the
coupon a and affix it in his book under the name of the interested party and would
stick the remaining coupons bed over the corresponding places B. C. D of the
division of the sheet of receipts in such a manner as to leave free the place A.
Thus it is possible to see at first sight what amount has been paid. Should 3/- be
paid the coupons a and b would be affixed to the book and the coupons c and d to
the sheet of receipts on the corresponding places C and D. For 8-the coupons a
and d would be removed and so on.
In the case cited as an example it is the person making the payment who holds
the sheet of stamps but it is still possible to proceed in a different way viz. by giving
the sheets of stamps to the cashier who will classify them in a folio under the name
of the person making the payment. When a person pays a quota or instalment he
will receive the coupon indicating the amount paid and, will stick it on his sheet of
receipts and the cashier will keep the other coupons.
Coupons representing quotas or instalments in arrears can be affixed on a separate
sheet and this will facilitate the checking and allow fines to be received without a
special stamp.
The privilege of every person who is under the province of a single cashier to
be registered under a number will further increase the advantages of my invention

page_text: The stamps may be printed in different colors or bear figures of various shades
so as to make any distinction required.
"
With any system of stamps with coupons a great number of combinations of
figures can be obtained with a limited quantity of coupons. With the figure "1
on the coupons a and b, "3" on the coupon e: "5" on the coupon d any sum
whatsoever from 1 to 10/- can be represented. For sums not exceeding 5/-, two
figures are enough-1 on a and b and 3 on c: in order to go from 1 to 14 without
interruption it is necessary to mark as in the example given above, the coupon a
with 1,
with 2, c with 4 and d with 7; adding to these two coupons e of 10/- and
✓ of 20/- it is possible to go up to 44/-.
Using the figures 2 on a, 4 on 6, 8 one and 14 on d, it is possible to form an
arithmetical progression having for its common difference 2, for the first term 2 and
for the last 28.
These coupons could be used by the companies who cash progressive premiums
from 2/- 4/- and so on.
Although "shillings "have been referred to above it is evident that my invention
relates equally to coins of different values.
Deted 6th Annil 1905
H. C. FOWLER,
Agent for Applicant.
A New or Improved Method of Recording Payments by Instalments
and otherwise, and Means for Giving Effect to the same.
I, HENRI ISSANCHOU of 50 Rue Cuvier, Paris in the Republic of France,
Clerk in the Post and Telegraph Office, 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 :-
I provide a sheet of stamps divided into coupons marked with a large figure and
stamped with a number of order as well as sometimes with a serial number and
provided on one of its sides with a margin gummed on the face or on the back.
The design of these stamps varies in accordance with the task of the designer
but the stamps have invariably the name of the firm or of the company for
whom they have been issued and their coupons bear besides (as the case may
be) the week, the day, the third of the half year and of the quarter, the half
year, the year and so on represented by them or the name of any other object
for which they were made.
The number of the coupons of the stamps is indeterminate and a few amongst
them can be deprived of figures and even of the numbers of order and of series.
To carry out the invention a sheet of receipts (loose or bound) is required with
divisions of the same size as one of the stamps see Fig. 1 of the drawing: the large
figures of which are repeated in the same order in the above named divisions in
such a manner that when sticking a complete stamp on a division of the sheet of
receipts the figures of the coupons will cover exactly the figures of the said
division.
The accompanying drawing represents on
Fig. I at the left hand a part of a sheet of receipts, at the right hand a corre-
sponding part of a sheet of stamps,
Fig. 1 shows the same after execution of the below given examples.
Fig. III shows the detached coupons.
The invention is suitable for the collection of quotas or instalments in saving
banks and insurance companies, commission houses and the like.
Lin
To illustrate the use of my invention I will designate by the capital letters (A, B,

page_text: C, D) the parts (1) of the divisions (L) corresponding to the coupons (k) (a, b,
c, d) of the stamps (K), see Fig. I.
I will assume that each stamp is divided into four coupons of which (a) is
worth 18., (b) 28., (c) 4s., (d) 7s. (see Fig. I, right hand).
Should there be paid a quota or instalment of is. the cashier would detach the
coupon (a) and affix it in his book under the name of the interested party and
would stick the remaining coupons (b, c, d) over the corresponding places (B, C, D)
of the division of the sheet or receipts in such a manner as to leave free the
place (A). Thus it is possible to see at first sight what amount has been paid.
Should 38. be paid the coupons (a) and (b) would be affixed to the book and the
coupons (c) and (d) to the sheet of receipts on the corresponding places (C)
and (D). For 8s. the coupons (a) and (d) would be removed and so on.
In the case cited as an example it is the person making the payment who holds
the sheet of stamps but it is still possible to proceed in a different way namely by
giving the sheet of stamps to the cashier who will classify them in a folio under
the name of the person making the payment. When a person pays a quota or
instalment he will receive the coupon indicating the amount paid and will stick it
on his sheet of receipts and the cashier will keep the other coupons.
Coupons representing quotas or instalments in arrears can be affixed on a separate
sheet and this will facilitate the checking and allow fines to be received without a
special stamp.
The privilege of every person who is under the province of a single cashier to be
registered under a number will further increase the advantages of my invention..
The stamps may be printed in different colours or bear figures of various shades
80-as to make any distinction required.
With my system of stamps with coupons a great number of combinations of
figures can be obtained with a limited quantity of coupons.
With the figure 1 on
the coupon (a) and (b): 3 on the coupon (c) and 5 on the coupon (d) any sum
whatsoever from 1s. to 10s. can be represented.
For sums not exceeding 5s. two figures are enough: 1 on (a) & (b), and on (e):
in order to go on from to 14 without interruption it is necessary to mark as in
the example given above: the coupon (a) with 1: (b) with 2: (c) with 4: and
(d) with 7, adding to these two coupons (e) of 10s. and (f) of 20s. it is possible to go
up to 44s.
Using the figures 2 on (a): 4 on (b): 8 on (c): and 14 on (d) it is possible to
form an arithmetical progression having for its common difference 2 for the first
term 2 and for the last 28. The coupons could be used by the companies who cash
progressive premiums from 2s. 48. and so on.
Although shillings have been referred to above, it is evident that my invention
relates equally to coins of different values.
Having now particularly described and ascertained the nature of my said inven-
tion, and in what manner the same is to be performed, I declare that what I
claim is:
A new or improved method of recording payments by instalments and otherwise
and means for giving effect to the same, as described in the above Specification.
Dated this 22nd day of January 1896.