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 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. The Western Union Company is a financial services and communications company based in the United States. 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.