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Laser was a debit card scheme in Ireland. The Laser scheme was maintained and operated by Laser Card Services Ltd., a not-for-profit body owned by four leading financial institutions in Ireland〔(Laser Card Services Ltd. )〕 and overseen since 2008 by the Oversight Unit of the Central Bank.〔http://www.financialregulator.ie/publications/Documents/Payment%20Oversight%20Report.pdf Ireland’s Payment and Securities Settlement Systems Infrastructure〕 The scheme was launched in 1996 and in 2010 there were almost 3 million Laser Cards in circulation. 195 million transactions worth almost €11.2 billion were carried out on those cards in 2009.〔(Laser Card Services Ltd )〕 From 2007,〔Bank of Scotland〕 the financial institutions which had issued Laser Cards began to replace them with Visa or MasterCard debit cards. Laser cards were withdrawn from the market on February 28 2014. ==Use== Laser was primarily an electronic point of sale debit card, but could also be used by telephone and internet, at ATMs and to pay regular bills by direct debit. When purchasing goods or services with a Laser Card up to €100 Cashback could be given to cardholders and this value was simply added to the purchase price. Some retailers set a lower maximum Cashback value, depending on what cash was available to them in the till or their own policy.〔(Laser Card Services Ltd )〕 Many Irish businesses that operate online accepted Laser Cards prior to their discontinuation. From 2005, some Laser Card holders were provided with co-branded Laser/Maestro cards; from 1 January 2008, all Laser cards were co-branded. The co-branded cards were Chip and PIN cards with both Laser and Maestro functions. The Laser facility was for use in the Republic of Ireland only whereas the Maestro facility was, in theory, used both domestically and internationally, but international Maestro payments were quite often rejected. The Maestro facility was not usable internationally online or by telephone. While it was possible for any bank in the Single Euro Payments Area, regardless of location, to join the Laser Card scheme, no interest in joining the scheme was expressed by banks outside Ireland.〔http://www.financialregulator.ie/publications/Documents/Payment%20Oversight%20Report.pdf Ireland’s Payment and Securities Settlement Systems Infrastructure (page 59)〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Laser (debit card)」の詳細全文を読む スポンサード リンク
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