星星耀联城POINTS TERMS

积分价值条款规则 · POINT VALUE TERMS & RULES

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积分商城、总账、结账与退款POINTS STORE, LEDGER, CHECKOUT & REFUNDS

本页规定商品积分比例、混合购物车逐项计算、不可随意覆盖的积分总账，以及安全结账和退款流程。This page defines item-level redemption limits, mixed-cart calculations, an immutable points ledger, and safe checkout and refund processing.

04RULE

积分商城商品设置POINTS STORE PRODUCT SETTINGS

  1. 每件商品后台必须设置：正常零售价、商品成本、是否参加积分、最高积分支付比例、最低现金支付比例、是否允许活动加倍、库存数量、运费、税务类型、商品积分预算、开始时间和结束时间。

    Each item must store its retail price, cost, points eligibility, maximum point percentage, minimum cash percentage, bonus eligibility, inventory, shipping, tax type, point budget, start time, and end time.

  2. 平台标准为“最高50%积分＋至少50%现金”，默认最高积分比例为50%。

    The platform standard is up to 50% points plus at least 50% cash, with a default maximum point percentage of 50%.

  3. 管理员可以为特殊商品设置：不允许使用积分，或最高10%、20%、30%、40%、50%积分。

    Administrators may set an item to no points or a maximum of 10%, 20%, 30%, 40%, or 50% points.

  4. 结账页面必须根据商品规则自动计算，客户不能自行突破上限。

    Checkout must calculate from server-controlled item rules; customers cannot exceed the limit.
05RULE

购物车混合商品计算MIXED-CART CALCULATION

  1. 购物车同时包含不同积分规则的商品时，必须逐项计算，不得按订单商品总额统一抵扣。

    When a cart contains items with different point rules, each item must be calculated separately rather than applying one limit to the total.

  2. 示例：商品A价格$100、最高50积分；商品B价格$100、不参加积分；客户有100积分。

    Example: Item A costs $100 and allows up to 50 points; Item B costs $100 and does not accept points; the member has 100 points.

  3. 正确结果：商品A＝$50现金＋50积分；商品B＝$100现金；商品现金合计$150；使用50积分；税费和运费另外现金支付。

    Correct result: Item A is $50 cash plus 50 points; Item B is $100 cash; merchandise cash total is $150; 50 points are used; taxes and shipping are paid separately in cash.
06RULE

积分总账POINTS LEDGER

  1. 不得只在会员表保存一个可以直接修改的积分余额。每一次增加、使用、退款、撤销、到期和调整都必须生成独立流水。

    A directly editable balance in the member table is not sufficient. Every earn, redemption, refund, reversal, expiration, and adjustment must create a separate ledger entry.

  2. 建议数据表：members、linked_payment_accounts、external_transactions、merchants、merchant_locations、reward_rules、points_ledger、orders、order_items、points_redemptions、refunds、consent_records、risk_events、provider_webhook_events、audit_logs。

    Recommended tables: members, linked_payment_accounts, external_transactions, merchants, merchant_locations, reward_rules, points_ledger, orders, order_items, points_redemptions, refunds, consent_records, risk_events, provider_webhook_events, and audit_logs.

  3. 积分流水至少包含：流水ID、会员ID、积分数量、流水类型、来源交易ID、来源订单ID、商家ID、状态、创建时间、生效时间、到期时间、退款关联ID、规则版本、操作人和备注。

    Each ledger entry must include at least a ledger ID, member ID, point quantity, entry type, source transaction ID, source order ID, merchant ID, status, created time, effective time, expiration time, related refund ID, rule version, operator, and notes.

  4. 积分状态包括：pending待确认、available可使用、reserved结账锁定、redeemed已经使用、reversed已经撤销、expired已经过期、frozen风险冻结。

    Point statuses are pending, available, reserved, redeemed, reversed, expired, and frozen.

  5. 积分余额必须由有效总账流水汇总计算，不允许绕过流水直接修改。

    The point balance must be derived from valid ledger entries and cannot be changed by bypassing the ledger.
07RULE

结账流程CHECKOUT FLOW

  1. 客户进入购物车后，系统逐项计算最高可用积分，并显示当前可用积分和本单最多可用积分。

    When the member enters the cart, the system calculates each item’s maximum points and displays the available balance and order maximum.

  2. 客户选择使用积分数量后，服务器再次计算最低现金支付金额。价格和积分数量必须由服务器确认，不能相信前端传值。

    After the member chooses a point amount, the server recalculates the minimum cash payment. Price and point quantity must be server-authoritative and not trusted from the browser.

  3. 创建订单时先把积分设置为 reserved；现金支付成功后再把 reserved 变成 redeemed。

    Points are first marked reserved when the order is created and become redeemed only after cash payment succeeds.

  4. 支付失败或订单取消时，必须立即释放锁定积分。

    Reserved points must be released immediately if payment fails or the order is cancelled.

  5. 必须使用数据库事务或等效机制，防止两个设备或并发请求重复使用同一批积分。

    Database transactions or an equivalent mechanism are required to prevent two devices or concurrent requests from spending the same points.

  6. 不得出现现金支付失败但积分已经永久扣除的情况。

    Points must never be permanently deducted when the cash payment fails.
08RULE

退款规则REFUND RULES

  1. 部分退款必须按照退款商品逐项重新计算。

    Partial refunds must be recalculated item by item for the refunded merchandise.

  2. 退回客户该商品实际支付的现金部分，并恢复该商品实际使用的积分。

    Refund the cash actually paid for the item and restore the points actually used on that item.

  3. 同时撤销该订单产生但尚未使用的奖励积分。

    Also reverse reward points earned from the order that have not yet been used.

  4. 如果该订单产生的奖励积分已经被使用，会员账户可以形成积分欠额；后续新增积分优先冲销欠额。

    If earned points have already been spent, the member account may carry a negative point balance. New points first offset that deficit.

  5. 未经客户明确授权，不得因为积分欠额直接扣银行卡资金。

    A point deficit must never trigger a card charge without the member’s explicit authorization.