Negotiable instrument:
A negotiable instrument is a document guaranteeing the payment of a specific amount of money, either on demand, or at a set time, with the payer named on the document.
en.wikipedia.org
票据:
票据（Negotiable instrument）, 是一种"根据书面所述,无条件自动实行其内容的凭证". 在过去票据的主要有两个方面组成: 指定的款项和付款内容，票据权力或所涉及的物资，构成为一张完整的票据，其内容缺一不可。
zh.wikipedia.org
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Negotiable instrument票据