America was on the verge of civil war and needed a reliable connection between the North and South. On the telegraph market of the USA at this time were operated with six large companies: American Telegraph Company, New York Albany and Buffalo Electro-Magnetic Telegraph Company, Atlantic and Ohio Telegraph, Illinois & Mississippi Telegraph Company, New Orleans & Ohio Telegraph Company, and the brainchild of Sibley & Co. - The Western Union Telegraph. The presence of Western Union Gold Card at the client greatly simplifies the process of further processing of money transfers of and reduces the operation time for the sending of money, as the "Gold Card" is a carrier of the personal information about the client. Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. Each money transfer is protected with control number, that allows you to track and to ensure prompt payment of money specified by you person. In 1849, Selden and Sibley, the founders of the future Western Union, created the New York State Printing Telegraph Company. 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.