Western Union has taken of 451st position in the rating Fortune 500 in 2009, having moved from 473rd line in 2008. Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. 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. Payment systems are one of basic elements of infrastructure of e-commerce. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. Western Union incomes for 2007 have made $4,9 billion US dollars, and the quantity of transactions has made 572 million. Western Union made so that the time in all of American civil services was the same.