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Discover Card
by
hanxueyuan
· GitHub ↗
· v1.0.0
· MIT-0
48
Downloads
0
Stars
0
Active Installs
1
Versions
Install in OpenClaw
/install discover-card
Description
Discover Card operates a unique dual model combining a payment network and direct issuing bank, offering cashback rewards and serving 69 million US cardholders.
README (SKILL.md)
Discover Card
历史时间线
- 1985: Sears 推出 Discover Card，首次引入现金返现概念
- 1986: 首次大规模邮寄 2,500 万张信用卡，引发垃圾邮件争议
- 1993: Sears 将 Discover 与 Dean Witter 合并
- 2007: 从摩根士丹利分拆独立上市（NYSE: DFS）
- 2008: 收购 Diners Club International，拓展全球受理网络
- 2010: 多德-弗兰克法案后，Discover 成为系统重要性金融机构
- 2019: 推出 Discover+ 数字银行服务
- 2024: 宣布与 Capital One 合并（353 亿美元交易），预计 2025 年完成
商业模式
双引擎：支付网络（Discover Network，类似 Visa/MC 的四方模式）+ 直接发卡（Discover Bank，赚取利息收入）。现金返现是差异化核心。
护城河分析
美国唯四的信用卡清算网络之一；自有银行加自有网络的双轮模式在四大中独一无二；Pulse 借记卡网络覆盖 75,000+ ATM。
关键数据
约 6,900 万持卡人，商户受理网络覆盖 1,100 万商户（190+ 国家）。2023 年营收约 164 亿美元。
有趣事实
- Discover 是全球第一个推出第一年免年费和现金返现的信用卡品牌
- 2019 年 Discover 网络处理了约 1 万亿美元交易量
Usage Guidance
This skill appears to be a safe, read-only informational module about Discover Card. It asks for no credentials and performs no installs. If you plan to let agents act autonomously, be aware the agent platform (not this skill) might fetch live web data to verify or update facts; that network activity is outside the skill's provided instructions. If you need sourcing or live data, request the skill author add explicit, narrow instructions (e.g., which APIs to call) rather than enabling broad web searches.
Capability Analysis
Type: OpenClaw Skill
Name: discover-card
Version: 1.0.0
The skill bundle contains purely informational and educational content regarding Discover Financial Services, including its history, business model, and market data. There is no executable code, network activity, or prompt injection attempts within SKILL.md or _meta.json.
Capability Tags
Capability Assessment
Purpose & Capability
The skill's name/description match the SKILL.md content (historical, business, and factual notes about Discover). It does not request unrelated capabilities or credentials.
Instruction Scope
SKILL.md is purely informational (timeline, business model, facts). It does not instruct the agent to read system files, access environment variables, call external endpoints, or exfiltrate data.
Install Mechanism
No install specification or code files are present; this is instruction-only, which minimizes disk writes and execution risk.
Credentials
The skill declares no required environment variables, credentials, or config paths. Nothing asks for secrets or unrelated service keys.
Persistence & Privilege
always is false (default) and the skill does not request elevated or persistent privileges. Autonomous invocation is allowed by platform default but the skill itself has no operations that would abuse that.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install discover-card - After installation, invoke the skill by name or use
/discover-card - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
- Initial release introducing the Discover Card skill
- Covers Discover’s history, business model, key milestones, and market position
- Summarizes timelines from 1985 launch to the 2024 Capital One merger announcement
- Highlights unique features like cash back and the dual-role network + issuing model
- Includes essential stats and interesting facts about Discover’s impact in the credit card industry
Metadata
Frequently Asked Questions
What is Discover Card?
Discover Card operates a unique dual model combining a payment network and direct issuing bank, offering cashback rewards and serving 69 million US cardholders. It is an AI Agent Skill for Claude Code / OpenClaw, with 48 downloads so far.
How do I install Discover Card?
Run "/install discover-card" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is Discover Card free?
Yes, Discover Card is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does Discover Card support?
Discover Card is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created Discover Card?
It is built and maintained by hanxueyuan (@hanxueyuan); the current version is v1.0.0.
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