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. In October 1871 the company Western Union began to provide money transfer services, drawing on its own extensive telegraph network. In the summer of 1990 top managers of the Western Union Company spent day and night in the main office in Englewood (Colorado, USA). They needed to meet the challenge: to save the Western Union from bankruptcy, paying off the debts of the company millions of dollars.