The presence of Western Union Gold Card at the client greatly simplifies the process of further processing of money transfers of and reduces the operation time for the sending of money, as the "Gold Card" is a carrier of the personal information about the client. 1980 - for the first time in the history of Western Union revenues from money transfers exceeded the income from the telegraph service. In the 30's of the twentieth century, Western Union has become the world's largest telegraph company. Payment systems are one of basic elements of infrastructure of e-commerce. In 1849, Selden and Sibley, the founders of the future Western Union, created the New York State Printing Telegraph Company. Western Union made so that the time in all of American civil services was the same.