1980 - for the first time in the history of Western Union revenues from money transfers exceeded the income from the telegraph service. Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. Another invention of Western Union - time synchronization. In 1995, First Financial Management was acquired by First Data Corp. (the deal amounted to $ 7 billion), and Western Union Financial Services became a subsidiary of First Data. Payment systems are one of basic elements of infrastructure of e-commerce. In October 1871 the company has implemented the world's first telegraph money order. After a century money transfers have become a major source of income for Western Union. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card.