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Microsoft's Bill Gates keynoted today's RSA Conference by focusing on Microsoft's vision for a more secure online future. Included in that future is a "trust ecosystem" that engenders trust and accountability between people and businesses online.

We received the following Ask Glenbrook question earlier today:

"I am wondering what is the best source to explain how credit card transactions work -- i.e. the various steps, the various parties involved, timing of the steps, costs etc. Thank you"

Bruce Mohl reports for the Boston Globe on a change made by Bank of America over the weekend that allows customers to continue to earn interest on their money until bill payments are delivered rather than from when a bill payment has been initiated.

David Lazarus of the San Francisco Chronicle updates last week's story about debit card fraud stemming from a data security breach at a retailer. In this morning's report, Lazarus identifies a major retailer who has been confirmed by his banking and law enforcement sources as the retailer where the data security breach occurred - although the retailer has so far not confirmed anything about the breach.

David Enrich reports for the Wall St. Journal on yesterday's announcement by Discover of a new signature Discover Debit Card. Becky Yerak reports for the Chicago Tribune. Mary Wisniewski reports for the Chicago Sun-Times.

Todd Bishop reports for the Seattle Post-Intelligencer on Microsoft's InfoCard identity management initiative. Microsoft's Bill Gates is expected to talk more about InfoCard during a keynote speech he's giving today at the RSA Conference in San Jose, CA.

Note: Throughout the day, as Payments News happens, this post is updated.

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