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was sure of neither the reasons nor the solutions. The process of
improving the Trust Payment system required code review, the
rewriting of several Trust Payment system functions, and then
testing the system to observe the processing time. If the
improvements were not satisfactory, NTS went on to other
approaches. Throughout this process, NTS received assistance from
IBM.
Although developed for in-house use by Norwest, the Trust
Payment system was examined by two other companies interested in
purchasing the system.
H. Debit Card
The Debit Card software system was built to support the
issuance of Norwest's debit card product. A debit card is a
financial product that permits payment of point-of-sale purchases
directly from the card holder's checking (or other) account.25 To
accomplish payment, a number of transactions occur, as follows:
Upon presentation of the debit card to a merchant, the transaction
is sent to a card association network processor (in this case
Visa);26 Visa then seeks to identify the transaction as being made
25 This is as opposed to a credit card system in which the
card holder makes purchases against a preestablished line of
credit.
26 The card processor, in addition to routing transaction
requests to the issuing bank, also performs card holder and
(continued...)
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