In 1860 the U.S. Congress arranged among the telegraph companies a competition to create a national line. The winner was Western Union. Another invention of Western Union - time synchronization. Money transfer is a matter of minutes, at any distance. Payment systems are one of basic elements of infrastructure of e-commerce. 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.