In 1866, Sibley ordered the engineers to develop a Western Union telegraph system of stock quotes in real time. Separation of the companies had two objectives: first, to give Western Union the opportunity to develop more intensively, and secondly, to help First Data to return to its original activity (in 1992 the company separated from the payment system of American Express as an independent financial services company). In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. In the 1910-1920 years. Western Union is actively engaged in researching, innovating in the field of data transmission. Western Union made so that the time in all of American civil services was the same.