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 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. Western Union provides consumers and businesses with fast, reliable and convenient ways to send and receive money around the world, to send payments and to purchase money orders. Western Union for more than 130 years provides money transfer services to its customers. Gold Card Loyalty Program Western Union Western Union made so that the time in all of American civil services was the same.