大家好，我是南沐，一家软件开发公司负责人 近年来，以消费返利为核心特征的商业形态在各地不断兴起，不少平台在模式设计上或多或少延续了早期云联惠等项目的思路。 以"店商豹"为例，该平台立足于AI数字电商与智能支付技术，致力于服务实体经济、助推乡村振兴，以科技为引擎驱动新型商业生态的构建。 自2024年10月正式启动以来，店商豹已在全国十余省份发展合作商家超7万家，注册会员人数突破百万，展现出强劲的市场渗透力。 店商豹定位为一家融合人工智能与大数据的数字商业服务平台，总部设立于湖南长沙，并逐步将业务辐射至港台地区及海外。 其业务布局覆盖AI技术研发、连锁商业运营、箱包产业、退役军人就业帮扶、大健康、投融资、乡村振兴等多个板块，构建起多元化、立体化的产业矩 阵。 发展进程如下： 2024年10–12月：平台正式上线，迅速拓展至河南、安徽、山东、湖南等多个省份，签约商家突破7万，会员数量超过100万。 2024年12月：中国运营总部由上海迁至长沙，步入规模化运营新阶段。 2025年1–3月：平台年流水突破150亿元，日均交易额超过1000万元，合作商家数量超过1万家，注册会员持续攀升，并正式启动上市筹备流程。 2025 ...

近日出现一个名为"龙年优选"的平台，吸引多地中老年人前来投资，部分人投入金额高达上百万元。 河南省登封市的大冶镇是一个群山环绕的偏僻小镇。但近日，不断有群众反映，全国多个省市的中老年人不远千 里来到这里一个对外挂着"龙年优选官网平台"（下称"龙年优选"）的乡村小院"听投资课"，有的人甚至为此投资 了上百万元。 是什么吸引了他们？近日，第一财经记者先后多次走访大冶镇。 第一财经记者以投资者身份联系了大治镇镇政府相关工作人员，对方表示，龙年优选是传销，提醒投资者不要相 信。目前，当地正在调查龙年优选的经营与违规状况。 "第五大电商平台" 记者前往暗访时，恰逢龙年优选负责人温某卫正在宣讲，台下坐着几十个中老年人，有些人拄着拐杖，也有一些 人专程从外地开车赶来。 "咱是国家工信部批复的正规平台，（手续）跟淘宝、京东、拼多多、美团是一模一样的。"温某卫拿着话筒，不 紧不慢地对着台下的中老年人说，龙年优选有工信部颁发的证书，已经向国家申请成为"第五大（电商）平台"。 记者在多次暗访中发现，"第五大（电商）平台"成为龙年优选的讲师们频繁提及的话题，并以此作为其"合法 性"身份的背书。"这个官网代表政府，代表政府的大力支持、 ...

Core Insights - The article discusses the emerging "points subsidy" business model in cities like Hangzhou and Shanghai, which transforms consumer spending into potential earnings, changing traditional consumption patterns from "spending for services" to "saving for returns" [1][11]. Group 1: Points Subsidy Model - The points subsidy model operates on a "win-win logic," where users can earn significant rewards from their purchases, while merchants can reduce customer acquisition costs by offering points instead of traditional discounts [2][11]. - Users can receive points equivalent to their spending, which can later be redeemed for substantial discounts, creating a perception of "earning money while spending" [2][11]. - Merchants benefit from lower advertising costs, as they can convert discounts into points, retaining existing customers and attracting new ones [2][11]. Group 2: Technical Support - The success of the points subsidy model relies on robust technical support, exemplified by the microservice platform "Weisan Cloud," which provides essential functionalities to manage points effectively [3][4]. - Key features include flexible control of points release rates based on sales growth, targeted settings for points pools to prevent fund misallocation, and a secure payment system capable of handling millions in daily transactions [3][4][5]. Group 3: Real-World Applications - Case studies illustrate the effectiveness of the points subsidy model, such as "Zhongdian" abandoning self-developed systems for Weisan Cloud due to stability issues, leading to rapid user growth [8]. - "Toumi Life" integrates AI with the points model to recommend discounts based on user habits, creating a local service ecosystem that incentivizes both merchants and consumers [8][11]. Group 4: Future Prospects - The article suggests that the points subsidy model has proven its viability, with potential for further innovation through AI optimization and integration with blockchain technology for financialization of points [11]. - Entrepreneurs are encouraged to focus on the technological support and system sustainability to capitalize on the emerging consumer rebate market [11].

Group 1 - The core concept of "我店" is a unique model combining "consumer rebates + points appreciation," which attracts both consumers and merchants by making purchases feel more rewarding [3][10]. - Consumers earn "green points" when shopping at partner merchants, which can be redeemed for products, cash discounts, or potentially appreciate in value over time [7][8]. - Merchants must allocate a portion of their profits (typically between 3%-20%) as points to consumers, which incentivizes customer traffic and enhances sales [8][12]. Group 2 - The advantages of "我店" include creating a perception of value for consumers, as they feel they are earning money back on their purchases, and for merchants, it provides a cost-effective way to attract customers compared to traditional advertising [10][12]. - The model fosters a win-win situation for all parties involved: consumers are encouraged to spend, merchants benefit from increased foot traffic, and the platform profits from transaction fees or commissions [12][14]. Group 3 - Potential risks include regulatory scrutiny, especially regarding the promise of points appreciation and the risk of being classified as a pyramid scheme if not managed properly [14][15]. - There are financial risks associated with the platform's sustainability, particularly if it relies on upfront consumer payments that could lead to financial instability if the business model fails [14][15]. - Merchants may face pressure if they offer excessive rebates, which could undermine their profitability in the long run [14][15]. Group 4 - The future of "我店" could see it becoming a benchmark for new retail models if it adheres to regulations and avoids illegal practices, potentially integrating with e-commerce for a broader ecosystem [15][17]. - If regulatory measures tighten, "我店" may need to adjust its business model, such as reducing promises of points appreciation or increasing operational transparency [15][17]. - Future directions may include integrating with NFTs or digital collectibles, social e-commerce, and leveraging AI and big data for better merchant recommendations [15][17].

Core Insights - The "Push Three Return One" model has generated significant market response, with a fashion e-commerce platform reporting a 230% year-on-year increase in order volume and a 400% surge in new user registrations in the first month of implementation [1][4] - This model allows companies to reduce customer acquisition costs by approximately 70% and significantly enhances user referral speed, making it an effective marketing tool for businesses [3][4] Company Perspective - The "Push Three Return One" model opens new marketing avenues for companies, leveraging consumer social networks for low-cost, high-efficiency viral marketing [3] - Companies utilizing this model have reported increased brand awareness and user engagement, with one beauty brand executive describing it as a tailored marketing solution [3][4] Industry Trends - The introduction of the "Push Three Return One" model aligns with the growing consumer demand for rebate programs in a highly competitive market [4] - The model is expected to set a new industry benchmark, providing robust support for digital transformation and marketing innovation for businesses [4][6] - As the consumption market evolves, the model may expand into various sectors, continuously driving new trends in consumer rebates [4][6]

Core Viewpoint - The Haohuihua platform emerges as a response to the economic downturn, providing a consumption rebate and merchant discount model to attract users and support struggling businesses [1][16]. Group 1: Platform Overview - Haohuihua allows consumers to earn points equivalent to the merchant discount percentage (3% to 20%) during purchases, which can be converted into vouchers for future use [1][4]. - The platform features four user roles: consumers, alliance merchants, star promoters, and regional service providers, each with distinct benefits [3][10]. Group 2: User Benefits - Consumers can earn points for purchases without changing their spending habits and can receive additional rewards for referring new users [4][11]. - Alliance merchants can apply for the platform with a business license and choose their discount rates, benefiting from increased customer traffic and potential earnings through point conversion [6][11]. - Star promoters earn service fee subsidies based on the number of merchants they bring to the platform, with higher earnings for promoting more merchants [8][10]. - Regional service providers can earn a 6% subsidy on the performance of all merchants in their area, requiring a deposit to join [10][11]. Group 3: Financial Mechanics - The platform retains up to 20% of the merchant discount, redistributing 40% of that back to consumers and merchants, potentially allowing for a maximum of 500% in rebates [11][15]. - The distribution of subsidies is contingent upon the platform achieving a 115% increase in total discount performance, with a maximum of 40 distribution cycles [13][15]. Group 4: Business Model Concerns - The sustainability of the platform's rebate model relies on continuous new user acquisition and spending; without this, the promised rebates may not materialize [15]. - The platform's structure raises concerns about potential illegal fundraising activities, as it aligns with characteristics of illegal fundraising schemes [15][16]. Group 5: Company Background - Haohuihua is developed by Hunan Haohuihua Network Technology Co., Ltd., which aims to create a symbiotic relationship between merchants and consumers through data-driven value distribution [16][19]. - The company is led by individuals with previous experience in controversial platforms, raising questions about its operational integrity [19][21].