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. Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. In 1933, by the Western Union Company were invented "singing telegrams". In October 1871 the company Western Union began to provide money transfer services, drawing on its own extensive telegraph network.