In the 30's of the twentieth century, Western Union has become the world's largest telegraph company. 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. Payment systems are one of basic elements of infrastructure of e-commerce. 1970 - a new service called 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.