Discover Financial Services, a leading provider of digital banking products and payment services in the United States, operates through its subsidiaries. The company offers a range of services through two segments - Digital Banking and Payment Services. Under the former, customers can access Discover-branded credit cards, private student loans, personal loans, home loans and deposit products. In the Payment Services segment, the company operates two vital networks - the PULSE, an automated teller machine, debit and electronic funds transfer network, and Diners Club International, a payments network that offers branded charge cards and/or card acceptance services. The company, which was established in 1960, maintains its headquarters in Riverwoods, Illinois.