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Discover Financial Services (DFS) is a credit card issuer in the United States and an electronic payment services company. The Company offers credit cards, personal and student loans, and deposit products. The Company is bank holding and financial holding company. It operates the Discover Network, its credit card payments network; the PULSE Network (PULSE), its automated teller machine, debit and electronic funds transfer network, and Diners Club International (Diners Club), its global payments network. The Companyâ€™s business segments include Direct Banking and Payment Services. Its Direct Banking segment includes credit cards issued to individuals and small businesses on the Discover Network, its other consumer lending products and its deposit products. The Companyâ€™s Payment Services segment includes PULSE, Diners Club and its third-party issuing business, which includes credit, debit and prepaid cards issued on the Discover Network by third parties.