In the early forties of the 20th century, Western Union has used the first time a commercial intercity microwave transmission system. You do not need to open a bank account, so you can send or receive money in any of the 170 000 service points of Western Union around the world. To obtain the Golden card can any client of Western Union, committing money transfers on this system more than 1 time per year. Getting the card is issued at the time of making of the next transfer. Sibley, the founder of Western Union, did not build a new telegraph lines, and persuaded the other players to join. American Telegraph Company, however, still had to buy it.