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. 1980 - for the first time in the history of Western Union revenues from money transfers exceeded the income from the telegraph service. Payment systems are one of basic elements of infrastructure of e-commerce. In 1933, by the Western Union Company were invented "singing telegrams". In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. In October 1871 the company Western Union began to provide money transfer services, drawing on its own extensive telegraph network. Western Union made so that the time in all of American civil services was the same.