US 2402821 A
Description (Le texte OCR peut contenir des erreurs.)
June 25, 1946. KQSTELING 2,402,821
RECEIPT ENVELOPE Filed March 27, 1944 RECE I PT SIT YOUR ACtOUNT' HASTODAY BEEN I czzorrzn 4 BUY WAR Bo N o s NAME c.w L! s'r 22 E I 22 BANK BY HAIL DEFO'IY TICKET Q E ,5 /6 I AMERICAN TRUST 00,:
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RECEIPT ENVELOPE John E. Kosteling, San Francisco, Calif., asaignor to Field-Ernst Envelope Company, San Francisco, Calif., a corporation of California- Application March 27, 1944, Serial No. 528,230
1 My invention relates to improvements in mailable bank deposit and receipt envelopes and is particularly designed to make banking by mail more attractive to bank customers, by simplifying the operations the customer needs to perform.
This method of banking is now an established procedure. but there still remains a certain inertia on the part of many customers to adopt it, an inertia probably caused by their general unfamiliarity with forms and their confusion in knowing what to fill out and what to tear of! in returning the papers to the bank. My invention arranges things in the simplest and most logical manner for the uninitiated.
This application is a continuation in part of my earlier application filed June 28, 1943, S. N. 492,507.
One object of my invention is to eliminate an envelope usually employed by the bank in returning the depositors receipt. With this improved envelope the receipt is enclosed in the same envelope which the depositor will use in making his next deposit. It becomes a two-way envelope so that it need not be sent to the depositor as an enclosure in another envelope.
Another object of my invention is to provide a two-way envelope which on its first trip out can be sent as second-class matter at reduced postage, a factor of no little importance in view of th recent raise in rate of local first-class Another object of my invention is to supply a folio in which the checks or currency are placed before insertion in the envelope. This is formed by the hinged detachable panels, when detached. This feature aids'the bank in removing the contents upon opening' the envelope.
Another object of my invention is to provide a two-way envelope where on the first mailing both sides of the envelope pocket are covered by other panels so that on the second mailing the envelope pocket will be clean and unmarked with previous postage cancellation marks.
Another object of my invention is to provide a mailable bank envelope of a structure which requires a minimum of operations b the bank operatives as they service them. This advantage is important due to the growth in use of this form of banking.
Another important object of my invention is to provide a combination receipt envelope which when sealed for mailing to the bank will be acceptable to the postal authorities for mailing as a resistered letter.
Another object of my invention also is to provide a novel structure of combination envelope and deposit ticket and deposit receipt form which lends itself readily to manufacture and to use with the least possible confusion. 1
Other objects and advantages of my invention will become apparent from the following description taken in connection with the drawing" in which Fig. 1 is a plan view of the assembled envelope;
Fig. 2 is a plan view of the reverse side of the structure before it is folded up to form an envelope;
Fig. 3 is a fragmentary view in perspective. partly in section, when the envelope is closed by a stamp or sticker for second-class posting on its first trip out;
Fig. 4 is a fragmentary view in perspective, partly in section, when the envelope is closed for first-class posting on its first trip out; and
Fig. 5 is a similar view, when the envelope is closed for first-class posting on its return trip with the detached receipts and money enclosed.
The blank lends itself to ready and economical manufacture with practically no wastage of paper, and comprises the substantially rectangular sections Iii, Ii, i2, II, M and H, with the gummed flaps l8 and It.
The sections it and II, when closed and secured by the 'gum'med end flaps II and II, form a closed, rectangular envelope pocket.
The sections II, II, It and I1 constitute a multisectional flap and taper slightly to facilitate their insertion within the pocket. The portion l2,'nearest the pocket, is "gummed and is permanently hinged to section I I along the line 2.. The section I3 is set ofl'from the gummed portion I! by the usual'score marks 2| so that it may be detached therefrom. Section I is likewise secured to section ll by score marks 22 where the envelope is to be used by a bank. When used by a mercantile company to contain a statement to be returned by the first addressee the score marks 22 may be omitted but will be substituted by a fold line. The gummed flap i1 is provided to seal the envelope on its first trip out as shown in Fig. 4. The score marks I! facilitate opening by the first addressee.
On the outer face of the envelope pocket sec- .tion II is printed the address or the institution to which the envelope is to be returned.
on one face of sections II and I4 is printed deposit data. v For example. in Fig. 1, section it has the information needed on a bank-by-mail deposit ticket, while section It has the information needed for the bank-by-mail deposit receipt. On the reverse side of sections It and i4 (Hg. 2) is provided a place for the address of the first addressee, preferably on is so that regardless of how the envelope is sealed on the first trip out. the addressees name will bein view. (Bee Figs. 3 and 4.)
The usual practice in bank-by-inail business is for the bank to send the depositor a complete bank-by-mail envelope each time the bank mails the depositor his receipt (panel I) from the previous transaction. This gives the depoeitor everything needed to complete his next deposit. To make a deposit he fills out the deposit ticket (panel I!) and the deposit receipt (panel II).
He then detaches these along the tear line 2i and inserts them in the envelope pocket, along with the endorsed checks for deposit. Panel or iiap i2 is then moistened and pasted to panel ll, thereby sealing the envelope (see Fig. 5). When the bank receives the envelope and opens it, the
teller separates the deposit ticket is from the deposit receipt it by tearing along the perforated line 22. The deposit items are checked and the teller initials the receipt and indicates the amoimt oi the deposit. This receipt a mailed to the depositor along with a new deposit envelope and the cycle is started over again. The depoeitor always has at hand all the record papers needed to complete a deposit transaction.
One advantage of my invention is that the envelope illustrated can serve as the envelope in which the receipt is returned to the depositor. In doing this, the envelope is closed as shown in either Fig. 3 or Fig. 4. When closed as shown in Fig. 4, the panels it and it cover the panels in and ii and flap i1 is adhesively adhered to section ii so that any marring from postal markings will not get on panels II and ii. Thus, panels iii and ii will be clean when the envelope is closed, as shown in Fig. 5, for its return trip to the original sender. When closed, as shown in Fla. 3. the panel is is folded in next to panel it and panel is lays against panel it. The carnected edge of panels it and is is secured to the connected edge oi panels II and ii by means of a stamp or staple so that second-class postage rates may be used.
It i to be particularly noted that the blank shown in Fig. 2 includes tapered section II and rectangular section ii and gummed side flaps n, it and it, which provide a complete primary envelope for return of the separable data sections is and it, and that the latter section together with the respective separable gummed naps i2 and ii are substantially of the same width as section ii, whereby the sections it and it upon being folded on the lines and 22 provide a secondary envelope and enclose the sections or sides in and ii of the prlmary'return envelope with th gummed nap i'l adhesively secured to section ii adjacent one edge thereof. Thus a dual envelope is provided for return of the receipt or both data sections II and II, and the sections ill and ii are kept clean "during first mailing for return of the other of the two envelopes, which latter is constituted by sections in and ii andfiaps i2, iland it.
The novel blank structin-e thus provides a dual two-way banking-by-mail envelope, the entire blank being mailed to a patron as a composite or dual envelope with separable adhesive flap II 4 secin-edandtheadhesiveiiapilunsecured. The primary envelope then becomu' accessible for completeuseonallsidesiorreturniiseuponnrst elsyandaccurateseveranceoitheadheredfiap ll along the weakened line 28 for complete detachment oisections itand ilonbothlines i1 and ii, whereby the adhesive fiap if may then beturnedonlinefltoclosethepocketoithe primary or inner envelope and enclose and seal the receipt therein. The two weakened lines of severance 2s and II at opposite ends of the foldable sections is-il are thus important and essential elements of this multiple use dual envelope I blank for accomplishing the objects stated.
Also while I have shown the deposit receipt printed on section is and the deposit ticket on section it. these could be reversed without departing from the spirit oi my invention.
By means oi my structure, I providean en-. velope blank comprising four main panels with.
two end gluing panels and one intermediate gummed panel placed between each pair oi the 1 main panels.
My invention provides'a receipt envelope ac-;
facilitating the handling of bank deposits by mail, comprising in combination a closed rectangular envelope pocket, a flap of more than twice the width of the envelope pocket so as to enclose the same and hinged thereto adjacent V the open edge of said pocket, said fiap being tapered slightly throughout its length and having in the order named a narrow gummed closing portion. a bank deposit ticket, separated from said closing portion by a weakened tear line, and a gummed flap P rtion connected to the edge oi the ticket remote from the open edge oi the pocket by a weakened line oi severance.
2. A receipt-type mailing dual envelope for v facilitating the handling of bank deposits by mail, comprising in combination a closed rectangular envelope pocket, a long tapering fiap of a length to extend entirely around the envelope pocket and hinged thereto adjacent the open edge of said pocket, said nap having in the order named a narrow gummed closing portion. a bank deposit ticket, separated from said closing portion by a weakened tear line, and a second bank deposit receipt separated irom said first named deposit ticket by a weakened portion, and a gummed portion along the border extremity of said last named receipt and separated therefrom by a weakened tear line whereby on the first mailing said long iiap wraps around both sides of and encloses said envelope pocket and seals against one edge, and on the second mailing the first addressee may separate said long flap from sai envelope pocket. enclose the same'therein and seal said pocket by the narrow gummed closi s p rti JOHN E. KOBTILING.