In 1860 the U.S. Congress arranged among the telegraph companies a competition to create a national line. The winner was Western Union. Payment systems are one of basic elements of infrastructure of e-commerce. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. 1970 - a new service called The Western Union Company is a financial services and communications company based in the United States. Western Union for more than 130 years provides money transfer services to its customers.