Where would you go if you had more than 40 million points with an airline? Hawaii 96 times? Seoul 40 times? Federal District Court in Atlanta?

Gennady Podolsky, a travel agent based in Chicago, was charged on Wednesday with 12 counts of wire fraud in connection with what prosecutors describe as a 13-month scheme in which he accrued 42 million Delta SkyBonus points, valued at more than $1.75 million .

SkyBonus points are earned through a corporate loyalty program through which companies can accrue points that can be redeemed for free flights and rewards from the airline. According to the indictment, filed on Wednesday in United States District Court for the Northern District of Georgia , Mr. Podolsky created a SkyBonus account for a corporation called RGI International with which he is not affiliated.

Mr. Podolsky, 43, would link flights that he booked for clients of Vega International Travel Services, where he worked as a travel agent, to RGI International’s SkyBonus account, allowing him to “fraudulently accrue” points, the indictment said.