In 1860 the U.S. Congress arranged among the telegraph companies a competition to create a national line. The winner was Western Union. One of the common kinds of money transfer is a transfer via the international system of Western Union. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. In 2000 was launched the Web site westernunion.com, with which users from certain countries can independently transfer funds online. Gold Card Loyalty Program Western Union