In 1920, Western Union has implemented the world's first transmission of images over the ocean. Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. Each money transfer is protected with control number, that allows you to track and to ensure prompt payment of money specified by you person. 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 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card.