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For years, credit card issuers have sought to connect with merchants to offer some kind of instant redemption reward program for cardholders. However, multiple disparate systems and technologies prevented this from happening. U.S. Bank, with its FlexPerks Rewards Visa credit cards, has taken a different approach.   Instead of partnering with merchants, U.S. Bank decided to keep the entire redemption process on its side of the transaction. With the new Real-Time Rewards mobile....

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