Im trying to make a rudimentary banknote system, and i have no idea where to start.

/function withdraw (cash) to
SCU_Wealth WILL GO NEGATIVE: whisper "Insufficient funds."
SCU_Wealth will NOT GO NEGATIVE: remove money from (username)'s scoreboard SCU_Wealth and create a banknote for that value,
 and when i do /function deposit
NO BANKNOTE IN HAND: whisper You need a bank note in hand!
BANKNOTE IN HAND: Add to scoreboard SCU_Wealth for the value in hand
SCU_Wealth already exists
I just want the banknote to be an enchanted paper with the value either in its lore or name and is able to add or subtract to the scoreboard per player