Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee. IP and PKI represent de facto the industrial standard for technologies of the organisation of safe connections. Also it is known as SWIFT-BIC (English Business Identifier Codes) BIC code SWIFT ID or SWIFT code. Thus CBT the user is physically connected to the SWIFT network and is completely served by employees of the organisation. It was founded in 1973; cofounders was 239 banks from 15 countries. SWIFT (Society for Worldwide Interbank Financial Telecommunications) - the international interbank system of information transfer and fulfilment of payments. IP and PKI represent de facto the industrial standard for technologies of the organisation of safe connections.