"Wall Street giants, including JPMorgan Chase, Bank of America, Wells Fargo and PNC Financial Services Group, have engaged in early, tentative discussions to buy a proprietary debit-card processing network from financial technology company Fiserv, according to an exclusive report by The Wall Street Journal. Owning a payments network could exempt banks from federal caps on debit-card interchange fees. Fiserv owns the STAR and Accel debit networks, key infrastructure for processing U.S. debit-card transactions."