ClawHub

Discover Card

v1.0.0

Discover Card operates a unique dual model combining a payment network and direct issuing bank, offering cashback rewards and serving 69 million US cardholders.

⭐ 0· 45·0 current·0 all-time
by@hanxueyuan

Install

OpenClaw Prompt Flow

Install with OpenClaw

Best for remote or guided setup. Copy the exact prompt, then paste it into OpenClaw for hanxueyuan/discover-card.

Previewing Install & Setup.
Prompt PreviewInstall & Setup
Install the skill "Discover Card" (hanxueyuan/discover-card) from ClawHub.
Skill page: https://clawhub.ai/hanxueyuan/discover-card
Keep the work scoped to this skill only.
After install, inspect the skill metadata and help me finish setup.
Use only the metadata you can verify from ClawHub; do not invent missing requirements.
Ask before making any broader environment changes.

Command Line

CLI Commands

Use the direct CLI path if you want to install manually and keep every step visible.

OpenClaw CLI

Bare skill slug

openclaw skills install discover-card

ClawHub CLI

Package manager switcher

npx clawhub@latest install discover-card
Security Scan
Capability signals
CryptoCan make purchases
These labels describe what authority the skill may exercise. They are separate from suspicious or malicious moderation verdicts.
VirusTotalVirusTotal
Benign
View report →
OpenClawOpenClaw
Benign
high confidence
✓
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.
Assessment
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.

Like a lobster shell, security has layers — review code before you run it.

latestvk97774jhybzctzzb0p4vs4epws85k9cf
45downloads
0stars
1versions
Updated 1d ago
v1.0.0
MIT-0
@hanxueyuan
latest
Download

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

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