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  • Discover Financial

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    Discover Financial Services, Inc. is an American financial services company that owns and operates Discover Bank, which offers checking and savings accounts and credit cards. It also owns and operates the Discover and Pulse networks, and owns Diners Club International. Discover Card is the third largest credit card brand in the United States, when measured by cards in force, with nearly 50 million cardholders. Discover is currently headquartered in the Chicago suburb of Riverwoods, Illinois.

  • Card security code

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    The card security code is located on the back of MasterCard, Visa, Discover, Diners Club, and JCB credit or debit cards and is typically a separate group of three digits to the right of the signature strip. On American Express cards, the card security code is a printed, not embossed, group of four digits on the front towards the right. A card security code (CSC; also called card verification data CVD, card verification number, card verification value CVV, card verification value code, card verification code CVC, verification code V-code or V code, or signature panel code SPC) is a security feature for "card not present" payment card transactions instituted to reduce the incidence of credit card fraud. The CSC is in addition to the bank card number which is embossed or printed on the card. The CSC is used as a security feature, in situations where a PIN cannot be used. The PIN is not printed or embedded on the card but is manually entered by the cardholder during point-of-sale (card present) transactions. Contactless card and chip cards may electronically generate their own code, such as iCVV or a dynamic CVV.

  • Discover Card

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    Discover is a credit card brand issued primarily in the United States. It was introduced by Sears in 1985. When launched, Discover did not charge an annual fee and offered a higher-than-normal credit limit, features that were disruptive to the existing credit card industry. A subsequent innovation was "Cashback Bonus" on purchases. Most cards with the Discover brand are issued by Discover Bank, formerly the Greenwood Trust Company. Discover transactions are processed through the Discover Network payment network. In 2005, Discover Financial Services acquired Pulse, an electronic funds transfer network, allowing it to market and issue debit and ATM cards. In February 2006, Discover Financial Services announced that it would begin offering Discover Debit cards to other financial institutions, made possible by the acquisition of Pulse. Discover is the fourth largest credit card brand in the U.S., behind Visa, MasterCard and American Express, with nearly 44 million cardholders.

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