Apparatus and method for creating negotiable items

摘要

An apparatus and method for creating negotiable items includes, in a system including a network of a governing authority and at least one remote printer, a secure indicia authorized by the governing authority. A preprinted form, authorized by the governing authority, transformable into a negotiable item upon the application of the secure indicia at the remote printer is provided. Further, a database, controlled by the governing authority, for issuing the secure indicia and the preprinted form and accounting for the use of each at the at least one remote printer oversees the creation of the negotiable item.