In 1866, Sibley ordered the engineers to develop a Western Union telegraph system of stock quotes in real time. Payment systems are one of basic elements of infrastructure of e-commerce. You do not need to open a bank account, so you can send or receive money in any of the 170 000 service points of Western Union around the world. In 1933, by the Western Union Company were invented "singing telegrams". Western Union for more than 130 years provides money transfer services to its customers.