diff --git a/src/components/payCard/payCard.vue b/src/components/payCard/payCard.vue
index 9c2dfb7..67f26a3 100644
--- a/src/components/payCard/payCard.vue
+++ b/src/components/payCard/payCard.vue
@@ -656,7 +656,8 @@ const pointOptions = ref({
     consumeAmount: 0, // 每消费xx元赠送1积分
     minPaymentAmount: 0, // 下单实付抵扣门槛（元）
     maxDeductionRatio: 0, // 下单最高抵扣比例（如 0.2 表示最多抵扣 20%）
-    equivalentPoints: 0, // 1元 = ? 积分
+    equivalentPoints: 0, // 兼容字段：1元 = ? 积分（保留）
+    pointsPerYuan: 0, // 积分数/元，例如 20 表示 20 积分 = 1 元
     enablePointsMall: 0, // 是否开启积分商城
 
     // 派生字段（页面使用）
@@ -743,12 +744,12 @@ function cancelAllDiscount() {
 function updateCartCalc() {
     // 计算最大抵扣金额（按订单金额 * 最大抵扣比例）
     const orderAmount = Number(goodsStore.cartInfo.costSummary.finalPayAmount || 0)
-    const maxDeductionAmount = (pointOptions.value.maxDeductionRatio && pointOptions.value.equivalentPoints !== undefined)
+    const maxDeductionAmount = (pointOptions.value.maxDeductionRatio && pointOptions.value.pointsPerYuan)
         ? orderAmount * pointOptions.value.maxDeductionRatio
         : 0
 
     goodsStore.calcCartInfo({
-        pointsPerYuan: pointOptions.value.equivalentPoints,
+        pointsPerYuan: pointOptions.value.pointsPerYuan,
         maxDeductionAmount: maxDeductionAmount,
         userPoints: couponForm.value.pointsNum,
         backendCoupons: couponResList1.value,
@@ -773,8 +774,8 @@ const pointInput = _.debounce(function (e) {
     console.log('inputFilterInt===', couponForm.value.pointsNum);
 
     // 未登录用户或无可用积分时直接归0并返回
-    const userAvailablePoints = Number(couponFormUser.accountPoints || 0)
-    if (!couponFormUser.id || userAvailablePoints <= 0) {
+    const userAvailablePoints = Number(couponFormUser.value && couponFormUser.value.accountPoints ? couponFormUser.value.accountPoints : 0)
+    if (!couponFormUser.value || !couponFormUser.value.id || userAvailablePoints <= 0) {
         couponForm.value.pointsNum = 0
         pointOptions.value.amount = 0
         updateCartCalc()
@@ -817,11 +818,11 @@ const pointInput = _.debounce(function (e) {
 // 根据积分计算可抵扣金额（前端计算，不依赖后端）
 const calcPointMoney = async () => {
     try {
-        const eq = Number(pointOptions.value.equivalentPoints || 0) // 积分与元的换算：1元 = eq 积分
+        const pointsPerYuan = Number(pointOptions.value.pointsPerYuan || 0) // 积分数/元，例如 20 表示 20 积分 = 1 元
         const points = Number(couponForm.value.pointsNum || 0)
         const orderAmount = Number(goodsStore.cartInfo.costSummary.finalPayAmount || 0)
 
-        if (!eq || points <= 0) {
+        if (!pointsPerYuan || points <= 0) {
             pointOptions.value.amount = 0
             // 若未初始化 couponForm.value.amount，则用订单原价
             couponForm.value.amount = couponForm.value.amount || originOrderAmount.value || orderAmount
@@ -829,8 +830,8 @@ const calcPointMoney = async () => {
             return
         }
 
-        // 积分可抵扣的金额（元）
-        let deductionFromPoints = points / eq
+        // 积分可抵扣的金额（元） => 积分 / (积分数/元)
+        let deductionFromPoints = points / pointsPerYuan
 
         // 最大可抵扣金额基于订单金额和最大抵扣比例
         const maxDeductionAmount = orderAmount * (pointOptions.value.maxDeductionRatio || 0)
@@ -930,7 +931,7 @@ async function selectUserHandle(row) {
             pointOptionsAjax()
 
             // 已存在选择的用户，并且切换了不通用户
-            if (couponFormUser.id && row.userId != couponFormUser.value.userId) {
+            if (couponFormUser.value && couponFormUser.value.id && row.userId != couponFormUser.value.userId) {
                 resetCoupon()
             }
         } else {
@@ -973,15 +974,18 @@ async function pointOptionsAjax() {
         pointOptions.value.equivalentPoints = Number(res.equivalentPoints || 0)
         pointOptions.value.enablePointsMall = Number(res.enablePointsMall || 0)
 
+        // 后端的 equivalentPoints 表示 积分数/元（例如 20 表示 20 积分 = 1 元）
+        pointOptions.value.pointsPerYuan = pointOptions.value.equivalentPoints
+
         // 计算页面需要的最小/最大可用积分（按接口返回的金额阈值与比例换算为积分）
-        const eq = pointOptions.value.equivalentPoints || 0
+        const pointsPerYuan = pointOptions.value.pointsPerYuan || 0
         const orderAmount = Number(goodsStore.cartInfo.costSummary.finalPayAmount || 0)
 
-        // 最少使用积分：基于最小抵扣金额换算（若无则为0）
-        pointOptions.value.minPoints = pointOptions.value.minPaymentAmount && eq ? Math.ceil(pointOptions.value.minPaymentAmount * eq) : 0
+        // 最少使用积分：基于最小抵扣金额换算（若无则为0），minPaymentAmount 单位为元
+        pointOptions.value.minPoints = pointOptions.value.minPaymentAmount && pointsPerYuan ? Math.ceil(pointOptions.value.minPaymentAmount * pointsPerYuan) : 0
 
         // 最大可用积分：基于订单金额与最大抵扣比例换算
-        pointOptions.value.maxPoints = (pointOptions.value.maxDeductionRatio && eq) ? Math.floor(orderAmount * pointOptions.value.maxDeductionRatio * eq) : 0
+        pointOptions.value.maxPoints = (pointOptions.value.maxDeductionRatio && pointsPerYuan) ? Math.floor(orderAmount * pointOptions.value.maxDeductionRatio * pointsPerYuan) : 0
 
         // 可用性
         pointOptions.value.usable = pointOptions.value.enableRewards === 1 && pointOptions.value.maxPoints > 0