In 1866, Sibley ordered the engineers to develop a Western Union telegraph system of stock quotes in real time. By 1861 Western Union telegraph lines entangled the whole America. It's time to explore Europe. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. The Western Union Company is a financial services and communications company based in the United States. Transaction with Fexco has allowed Western Union to control directly more than 10 thousand points of service, which belonged to Fexco in 7 European countries (Spain, UK, Sweden, Ireland, Denmark, Norway and Finland). Western Union made so that the time in all of American civil services was the same.