Draft: a written order from one party (the drawer) to another (the drawee) to pay a party identified on the order (payee) or to the bearer a specified sum, either on demand (sight draft) or on a specified date (time draft) .

• 个人汇票：由出票人提交给受票人的，向票据中指定的当事人或向出票人自己随时（即期个人汇票）或按规定时间（定期个人汇票）支付一定数额的书面指令。