 Rivals of the network include First Data's STAR and Fidelity National Information Services's NYCE.It is owned by Discover Financial, issuer of the Discover Card, and is included in Discover's agreement with China UnionPay; cards can be used on each other's network leading to better acceptance outside large cities than the larger networks.The Pulse system was based on software that operated the Take Your Money Everywhere (TYME) network operating in the central United States.