Abstract: A negotiable document having enhanced security for deterring fraud includes at least one thermochromatic fingerprint image printed with thermochromatic ink, wherein said thermochromatic fingerprint image will fade when heat is transferred to the image from a live human hand. The negotiable document further includes a warning clause that the negotiable document may be fraudulent without the thermochromatic fingerprint image.

Abstract: A negotiable document includes enhanced security for deterring the fraudulent photocopying of the subject negotiable document. The present invention includes at least one true fourdrinier watermark and/or at least one artificial watermark comprising a fingerprint and a visually perceptible watermark representation for comparison with the watermark to determine the validity of the negotiable document. The visually perceptible representation is printed with thermochromatic ink. When the visually perceptible representation is rubbed with a live human hand, heat is transferred to the thermochromatic ink. The visually perceptible representation will fade and disappear as the ink is heated by the rubbing action and heat of the hand. The negotiable document further includes a warning clause notifying the user of the disappearing properties of the visually perceptible representation.