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 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. Before transition to remittances Western Union company rendered services on sphere of cable communication. In October 1871 the company Western Union began to provide money transfer services, drawing on its own extensive telegraph network. Western Union for more than 130 years provides money transfer services to its customers.