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. The Western Union Company - the American company, specialising on granting of services of monetary intermediary. Western Union was founded in 1851. The company is one of leaders in the market of the international remittances. In the 30's of the twentieth century, Western Union has become the world's largest telegraph company. Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. July 3, 1884 the company's shares were included in the calculation base for the newly created stock index Dow Jones Transportation Average. Payment systems are one of basic elements of infrastructure of e-commerce. Before transition to remittances Western Union company rendered services on sphere of cable communication. Sibley, the founder of Western Union, did not build a new telegraph lines, and persuaded the other players to join. American Telegraph Company, however, still had to buy it. Gold Card Loyalty Program Western Union