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].