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 order to increase competitiveness and market expansion of its services, Western Union launched a program of loyalty Western Union Gold Card for customers, who has repeatedly made money transfers via Western Union. Another invention of Western Union - time synchronization. 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. By 1861 Western Union telegraph lines entangled the whole America. It's time to explore Europe. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. Before transition to remittances Western Union company rendered services on sphere of cable communication. Western Union made so that the time in all of American civil services was the same.