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Mastercard Loyalty Points Exchange System, Granted 21st Apr

The USPTO granted patent US12608723B2 to Mastercard Asia/Pacific Pte. Ltd. covering a method and system for exchanging loyalty points across multiple merchant loyalty programs. The patent describes a process for identifying user loyalty profiles, determining insufficient points for a transaction, and exchanging points from one merchant program to cover another merchant's transaction. This patent grant does not create compliance obligations for any party other than establishing exclusive legal rights for Mastercard.