Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. Payment systems are one of basic elements of infrastructure of e-commerce. In 1933, by the Western Union Company were invented "singing telegrams". 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.