Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. Payment systems are one of basic elements of infrastructure of e-commerce. The Western Union Company is a leader in global payment services In 1933, by the Western Union Company were invented "singing telegrams". In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide. Western Union made so that the time in all of American civil services was the same.