Airlines, hotels, car manufacturers, mobile network operators, large retailers, and other enterprises that offer mobile apps for customer loyalty see opportunities to “earn and burn” rewards points at each other’s locations. One example of earn and burn would be to pay for your mobile phone bill using frequent flyer miles. Consortiums of disparate merchants that allow the customers they share to redeem bonus points earned from other members already exist. They include American Express-operated Plenti in the U.S. and similar Amex-owned programs called Payback in Poland, Germany, Mexico, I...