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. In 1866, Sibley ordered the engineers to develop a Western Union telegraph system of stock quotes in real time. Payment systems are one of basic elements of infrastructure of e-commerce. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide. Gold Card Loyalty Program Western Union Western Union made so that the time in all of American civil services was the same.