In 1860 the U.S. Congress arranged among the telegraph companies a competition to create a national line. The winner was Western Union. Western Union offers one of the easiest ways for families and friends to send money and stay connected almost anywhere in the world. In order to increase competitiveness and market expansion of its services, Western Union launched a program of loyalty Western Union Gold Card for customers, who has repeatedly made money transfers via Western Union. Payment systems are one of basic elements of infrastructure of e-commerce. The Western Union Company is a leader in global payment services One of the common kinds of money transfer is a transfer via the international system of Western Union. In the 1910-1920 years. Western Union is actively engaged in researching, innovating in the field of data transmission.