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. In 1860 the U.S. Congress arranged among the telegraph companies a competition to create a national line. The winner was Western Union. Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Another invention of Western Union - time synchronization. The Western Union Company is a leader in global payment services 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.