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. 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 1933, by the Western Union Company were invented "singing telegrams". 1970 - a new service called