America was on the verge of civil war and needed a reliable connection between the North and South. On the telegraph market of the USA at this time were operated with six large companies: American Telegraph Company, New York Albany and Buffalo Electro-Magnetic Telegraph Company, Atlantic and Ohio Telegraph, Illinois & Mississippi Telegraph Company, New Orleans & Ohio Telegraph Company, and the brainchild of Sibley & Co. - The Western Union Telegraph. In 1860 the U.S. Congress arranged among the telegraph companies a competition to create a national line. The winner was Western Union. In the early 60s Western Union has put into operation transcontinental microwave system of data transmission via radio waves, completely replacing the web of telegraph poles and wires. Payment systems are one of basic elements of infrastructure of e-commerce. 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.