In 1920, Western Union has implemented the world's first transmission of images over the ocean. Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. 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 April 1851 companions registered in Albany New York and Mississippi Valley Printing Telegraph Company (NYMVPTC), which included founded two years before New York State Printing Telegraph Company. The size of the commission fee for the transfer is charged according to the Western Union tariffs and depends on the amount of money sent. Payment systems are one of basic elements of infrastructure of e-commerce. Western Union incomes for 2007 have made $4,9 billion US dollars, and the quantity of transactions has made 572 million. In October 1871 the company Western Union began to provide money transfer services, drawing on its own extensive telegraph network.