Различен резултат

Защо при дефиниране на променливата points над while резултата е различен от този, когато тя е дефинира в while ?
String name = scanner.nextLine();
String winnerName="";
int pointsWinner=0;

   int points=0;
while (!name.equals("STOP")){

    for(int i=0;i<name.length();i++){
        points+=name.charAt(i);}
        if(points>pointsWinner){
            pointsWinner=points;
            winnerName=name;
        }
    name=scanner.nextLine();
}
System.out.printf("Winner is %s - %d!",winnerName,pointsWinner);

*************************************************************************************************************

String name = scanner.nextLine();
String winnerName="";
int pointsWinner=0;



while (!name.equals("STOP")){
          int points=0;
    for(int i=0;i<name.length();i++){
        points+=name.charAt(i);}
        if(points>pointsWinner){
            pointsWinner=points;
            winnerName=name;
        }
    name=scanner.nextLine();
}
System.out.printf("Winner is %s - %d!",winnerName,pointsWinner);