Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. Money transfer is a matter of minutes, at any distance. 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. 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. In 1884 Western Union has become a joint-stock company and was brought to the stock exchange. The company has entered in the first American stock index Dow Jones.