In 1860 the U.S. Congress arranged among the telegraph companies a competition to create a national line. The winner was Western Union. In the 80's of Nineteenth century, Western Union was repeatedly tried capture by the railroad tycoon Jay Gould. He worked with Alexander Graham Bell, inventor of the first phone. Payment systems are one of basic elements of infrastructure of e-commerce. One of the common kinds of money transfer is a transfer via the international system of Western Union.