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. 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 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. Separation of the companies had two objectives: first, to give Western Union the opportunity to develop more intensively, and secondly, to help First Data to return to its original activity (in 1992 the company separated from the payment system of American Express as an independent financial services company). Payment systems are one of basic elements of infrastructure of e-commerce. One of the common kinds of money transfer is a transfer via the international system of Western Union. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. In the 1910-1920 years. Western Union is actively engaged in researching, innovating in the field of data transmission.