Microsoft points are the digital currency you use to buy Xbox and Zune content, and you can buy cards that are pre-loaded with points to enter in to your account. Microsoft probably needs to go to a completely new algorithm in order to stop it. Microsoft points is the dumbest idea they’ve done on the 360 since creating the GamerScore. It’s a hard problem to solve, because switching to currency won’t fix the problem. They still have to offer gift cards and such at retail for those that don’t have or don’t want credit cards.”]
Source: https://gizmodo.com/hackers-just-created-1-million-in-microsoft-points-5780636