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. One of the common kinds of money transfer is a transfer via the international system of Western Union. To obtain the Golden card can any client of Western Union, committing money transfers on this system more than 1 time per year. Getting the card is issued at the time of making of the next transfer. 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.