In the early forties of the 20th century, Western Union has used the first time a commercial intercity microwave transmission system. In order to increase competitiveness and market expansion of its services, Western Union launched a program of loyalty Western Union Gold Card for customers, who has repeatedly made money transfers via Western Union. Money transfer is a matter of minutes, at any distance. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. Sibley, the founder of Western Union, did not build a new telegraph lines, and persuaded the other players to join. American Telegraph Company, however, still had to buy it. Western Union made so that the time in all of American civil services was the same.