diff --git a/contracts/business_template/redpacket/IERC20.sol b/contracts/business_template/redpacket/IERC20.sol
new file mode 100644
index 00000000..1ce7afc7
--- /dev/null
+++ b/contracts/business_template/redpacket/IERC20.sol
@@ -0,0 +1,20 @@
+pragma solidity^0.6.10;
+
+//定义接口
+interface IERC20 {
+
+   function name() external view returns (string memory);
+   function symbol() external view returns (string memory);
+   function totalSupply() external view returns (uint256);
+   function balanceOf(address _owner) external view returns (uint256 balance);
+   function transfer(address _to, uint256 _value) external returns (bool success);
+   function approve(address _spender, uint256 _value) external returns (bool success);
+   function transferFrom(address _from, address _to, uint256 _value) external returns (bool success);
+   function allowance(address _owner, address _spender) external view returns (uint256 remaining);
+
+
+
+   event Transfer(address indexed _from, address indexed _to, uint256 _value);
+   event Approval(address indexed _owner, address indexed _spender, uint256 _value);
+
+}
\ No newline at end of file
diff --git a/contracts/business_template/redpacket/SafeMath.sol b/contracts/business_template/redpacket/SafeMath.sol
new file mode 100644
index 00000000..f6b807ed
--- /dev/null
+++ b/contracts/business_template/redpacket/SafeMath.sol
@@ -0,0 +1,65 @@
+pragma solidity ^0.6.10;
+
+/**
+ * @title SafeMath
+ * @dev Math operations with safety checks that revert on error
+ */
+library SafeMath {
+
+  /**
+  * @dev Multiplies two numbers, reverts on overflow.
+  */
+  function mul(uint256 a, uint256 b) internal pure returns (uint256) {
+    // Gas optimization: this is cheaper than requiring 'a' not being zero, but the
+    // benefit is lost if 'b' is also tested.
+    // See: https://github.com/OpenZeppelin/openzeppelin-solidity/pull/522
+    if (a == 0) {
+      return 0;
+    }
+
+    uint256 c = a * b;
+    require(c / a == b);
+
+    return c;
+  }
+
+  /**
+  * @dev Integer division of two numbers truncating the quotient, reverts on division by zero.
+  */
+  function div(uint256 a, uint256 b) internal pure returns (uint256) {
+    require(b > 0); // Solidity only automatically asserts when dividing by 0
+    uint256 c = a / b;
+    // assert(a == b * c + a % b); // There is no case in which this doesn't hold
+
+    return c;
+  }
+
+  /**
+  * @dev Subtracts two numbers, reverts on overflow (i.e. if subtrahend is greater than minuend).
+  */
+  function sub(uint256 a, uint256 b) internal pure returns (uint256) {
+    require(b <= a);
+    uint256 c = a - b;
+
+    return c;
+  }
+
+  /**
+  * @dev Adds two numbers, reverts on overflow.
+  */
+  function add(uint256 a, uint256 b) internal pure returns (uint256) {
+    uint256 c = a + b;
+    require(c >= a);
+
+    return c;
+  }
+
+  /**
+  * @dev Divides two numbers and returns the remainder (unsigned integer modulo),
+  * reverts when dividing by zero.
+  */
+  function mod(uint256 a, uint256 b) internal pure returns (uint256) {
+    require(b != 0);
+    return a % b;
+  }
+}
\ No newline at end of file
diff --git a/contracts/business_template/redpacket/mypoints.sol b/contracts/business_template/redpacket/mypoints.sol
new file mode 100644
index 00000000..054b52ad
--- /dev/null
+++ b/contracts/business_template/redpacket/mypoints.sol
@@ -0,0 +1,94 @@
+pragma solidity^0.6.10;
+
+import "./IERC20.sol";
+import "./SafeMath.sol";
+
+
+//定义接口
+contract mypoints is  IERC20 {
+    using SafeMath for uint256;
+    //定义name
+    string pointName;
+    string pointSymbol;
+    uint256 pointTotalSupply;
+    address owner;
+    //user's balance 
+    mapping(address=>uint256) balances;
+    // A->B = 100 A->C 200 
+    mapping(address=>mapping(address=>uint256)) allows;
+    
+    constructor(string memory n, string memory s) public {
+        pointName = n;
+        pointSymbol = s;
+        owner = msg.sender;
+    }
+    
+    function mint(address _to, uint256 _value) external returns (bool success) {
+        require(_value > 0, "_value must > 0");
+        require(address(0) != _to, "to must a valid address");
+        require(msg.sender == owner, "only owner can do");
+        
+      
+        balances[_to] = balances[_to].add(_value);
+        pointTotalSupply = pointTotalSupply.add(_value);
+        emit Transfer(address(0), _to, _value);
+        success = true;
+    }
+    
+   function name() override external view returns (string memory) {
+       return pointName;
+   }
+   function symbol() override external view returns (string memory) {
+       return pointSymbol;
+   }
+   function totalSupply() override external view returns (uint256) {
+       return pointTotalSupply;
+   }
+   function balanceOf(address _owner) override external view returns (uint256 balance) {
+       return balances[_owner];
+   }
+   function transfer(address _to, uint256 _value) override external returns (bool success) {
+       require(_value > 0, "_value must > 0");
+       require(address(0) != _to, "to must a valid address");
+       require(balances[msg.sender] >= _value, "user's balance must enough");
+       
+       //balances[msg.sender] -= _value;
+       balances[msg.sender] = balances[msg.sender].sub(_value);
+       //balances[_to] += _value;
+       balances[_to] = balances[_to].add(_value);
+       
+       emit Transfer(msg.sender, _to, _value);
+       return true;
+   }
+   function approve(address _spender, uint256 _value) override external returns (bool success) {
+       success = false;
+       require(_value > 0, "_value must > 0");
+       require(address(0) != _spender, "_spender must a valid address");
+       require(balances[msg.sender] >= _value, "user's balance must enough");
+       
+       allows[msg.sender][_spender] = _value;
+       
+       emit Approval(msg.sender, _spender, _value);
+       success = true;
+       return true;
+   }
+   function transferFrom(address _from, address _to, uint256 _value) override external returns (bool success) {
+       require(_value > 0, "_value must > 0");
+       require(address(0) != _to, "to must a valid address");
+       require(balances[_from] >= _value, "user's balance must enough");
+       
+       //balances[_from]  -= _value;
+       balances[_from] = balances[_from].sub(_value);
+       //balances[_to] += _value;
+       balances[_to] = balances[_to].add(_value);
+       //allows[_from][msg.sender] -= _value;
+       allows[_from][msg.sender] = allows[_from][msg.sender].sub(_value);
+       
+       success = true;
+       emit Transfer(_from, _to, _value);
+   }
+   function allowance(address _owner, address _spender) override external view returns (uint256 remaining) {
+       return allows[_owner][_spender];
+   }
+
+}
\ No newline at end of file
diff --git a/contracts/business_template/redpacket/proxy.sol b/contracts/business_template/redpacket/proxy.sol
new file mode 100644
index 00000000..a4a08350
--- /dev/null
+++ b/contracts/business_template/redpacket/proxy.sol
@@ -0,0 +1,36 @@
+pragma solidity^0.6.10;
+import "./IERC20.sol";
+
+//负责接受积分合约的授权，以完成积分转移
+contract proxy {
+    IERC20 point;
+    address owner;
+    constructor() public {
+       owner = msg.sender; 
+    }
+    
+    modifier onlyOwner() {
+        require(msg.sender == owner, "only owner can do");
+        _;
+    }
+    
+    function setPointAddr(address _addr) public onlyOwner {
+        point = IERC20(_addr);
+    }
+    
+    function transfer(address _from, address _to, uint256 _value) external returns (bool success) {
+        point.transferFrom(_from, _to, _value);
+    }
+    
+    function allowance(address _from) public view returns (uint256) {
+        return point.allowance(_from, address(this));
+    }
+    
+    function balanceOf(address _who) public view returns (uint256) {
+        return point.balanceOf(_who);
+    }
+    
+    function addr() public view returns (address) {
+        return address(this);
+    }
+}
\ No newline at end of file
diff --git a/contracts/business_template/redpacket/redpacket.sol b/contracts/business_template/redpacket/redpacket.sol
new file mode 100644
index 00000000..0e8d0799
--- /dev/null
+++ b/contracts/business_template/redpacket/redpacket.sol
@@ -0,0 +1,73 @@
+pragma solidity^0.6.10;
+import "./SafeMath.sol";
+import "./proxy.sol";
+
+contract redpacket {
+    //定义土豪
+    address theRich;
+    //定义红包的数据
+    uint256 public totalAmount;//红包金额
+    uint256 public leftAmount;//剩余金额
+    uint256 public count;//红包数量
+    bool    isEqual;//是否等额
+    proxy proxyContract;//红包的合约地址
+    using SafeMath for uint256;
+    //抢过了不能再抢
+    mapping(address=>bool) isGrabed;
+    
+    //构造函数：土豪执行，顺带将红包也发了
+    constructor() public  {
+        proxyContract = new proxy();//创建代理合约对象
+        
+    }
+    
+    //调用前，用户需要先调用积分合约的授权给本合约
+    function sendRedPacket(uint256 c, bool ok, address addr, uint256 amount) public {
+        require(count == 0, "the red packet already exists");
+        require(address(0) != addr, "addr is 0");
+        require(amount > 0, "amount is 0");
+        require(c > 0, "c is 0");
+        isEqual = ok;
+        count   = c;
+        proxyContract.setPointAddr(addr);//绑定要发送的积分合约地址
+        require(proxyContract.balanceOf(msg.sender) > 0, "user's balance not enough");
+        leftAmount = totalAmount = amount;
+        theRich = msg.sender;
+        
+        
+    }
+    
+    //抢红包
+    function grabRedpacket() public  {
+        require(count > 0, "count must > 0");
+        require(leftAmount > 0, "leftAmount must > 0");
+        require(!isGrabed[msg.sender], "msg.sender must has not grabed");
+        isGrabed[msg.sender] = true;
+        
+        //如果是最后一个红包-- 直接拿走
+        if(count == 1) {
+            proxyContract.transfer(theRich, msg.sender, leftAmount);
+            leftAmount = 0;
+        } else {
+            //是否为等额
+            if(isEqual) {
+               uint256 amount = leftAmount / count;
+               leftAmount = leftAmount.sub(amount);
+               proxyContract.transfer(theRich, msg.sender, amount);
+            } else {
+                //计算一个10以内的随机值 
+                uint256 random = uint256(keccak256(abi.encode(msg.sender, theRich, count, leftAmount, now))) % 8 + 1;
+                uint256 amount = totalAmount * random / 10;
+                proxyContract.transfer(theRich, msg.sender, amount);
+                leftAmount = leftAmount.sub(amount);
+                
+            }
+        }
+        count --;
+        
+    }
+    
+    function getProxy() public view returns (address) {
+        return proxyContract.addr();
+    }
+}
\ No newline at end of file
diff --git a/docs/business_template/redpacket.md b/docs/business_template/redpacket.md
new file mode 100644
index 00000000..8d90cc35
--- /dev/null
+++ b/docs/business_template/redpacket.md
@@ -0,0 +1,261 @@
+## 土豪发红包背景说明
+
+
+
+发红包是现实中常见的一种生活方式，本方案是将原本发红包使用的现金，替换成了ERC20标准的积分。
+
+
+
+## 场景说明
+
+
+
+具体业务场景也可以是商家发放的优惠券，代金券等等。
+
+
+
+## 接口
+
+
+
+提供了3+2个合约：其中3个合约为目前标准化合约，分别是IERC20接口，mypoints（积分的一个模拟实现），SafeMath（安全计算库），另外2个合约是主要逻辑合约，redpacket合约和proxy合约。其中proxy合约是对外接受统一的积分授权服务，为辅助合约，redpacket为发红包合约。
+
+
+
+proxy合约：接受外部积分授权的唯一接口。包含：
+
+- setPointAddr(address _addr): 设置积分合约地址，_addr为一个已经部署的积分合约地址
+
+- transfer(address _from, address _to, uint256 _value): 转账合约，完成抢红包动作时的转账操作
+
+- addr()：返回本合约地址
+
+- balanceOf(address _who): 获取用户的积分余额
+
+- allowance(address _from): 获取_from授权给本合约的额度
+
+
+
+redpacket合约：红包合约。包含：
+
+- getProxy(): 获取proxy地址
+
+- transfer(address _from, address _to, uint256 _value): 转账合约，完成抢红包动作时的转账操作
+
+- sendRedPacket(uint256 c, bool ok, address addr, uint256 amount)：发红包动作，c代表数量，ok代表是否等额，addr为要发送的红包积分地址，amount代表红包数量
+
+- grabRedpacket(): 抢红包动作
+
+
+
+
+
+## 使用示例
+
+
+
+当前控制台视图下，可以看到redpacket目录内文件如下：
+
+```sh
+parallels@parallels-vm:~/fisco/newconcole/console-0.6$ tree contracts/solidity/redpacket/
+contracts/solidity/redpacket/
+├── IERC20.sol
+├── mypoints.sol
+├── proxy.sol
+├── redpacket.sol
+└── SafeMath.sol
+```
+
+
+
+假如现在要执行一个发红包、抢红包动作，整个过程如下：
+
+
+
+### 1. 合约初始化：
+
+需要先部署积分合约，再部署redpacket合约。
+
+
+
+#### 1.1   需要先部署积分合约，并且给“土豪”发一点积分
+
+部署积分合约
+
+```sh
+[group:1]> deploy contracts/solidity/redpacket/mypoints.sol ykc ykc
+transaction hash: 0x8c7914c8023955690b2519e3b571d6bba7a47ca7a54c499f065a3161876aea08
+contract address: 0xdc9f277d4b706f0e8e4ce4c3b94a726ee716368f
+currentAccount: 0x126235d39382170c8aafacfd1f430610190d8de9
+```
+
+给“土豪”发一点积分
+
+```sh
+[group:1]> listAccount 
+0x126235d39382170c8aafacfd1f430610190d8de9(current account) <=
+0xf6e254e6bd8c7d6799dd72d30fa440a8bf06a39f
+
+[group:1]> call contracts/solidity/redpacket/mypoints.sol 0xdc9f277d4b706f0e8e4ce4c3b94a726ee716368f mint 0x126235d39382170c8aafacfd1f430610190d8de9 100000
+transaction hash: 0x80838424fdfe33d69bafc6d67f185b2a7a754f8697b567f373697e1274e6d365
+---------------------------------------------------------------------------------------------
+transaction status: 0x0
+description: transaction executed successfully
+---------------------------------------------------------------------------------------------
+Receipt message: Success
+Return message: Success
+Return value size:1
+Return types: (BOOL)
+Return values:(true)
+---------------------------------------------------------------------------------------------
+Event logs
+Event: {"Transfer":[[100000]]}
+```
+
+
+
+
+
+#### 1.2 部署redpacket合约
+
+部署redpacket合约
+
+```sh
+[group:1]> deploy contracts/solidity/redpacket/redpacket.sol 
+transaction hash: 0x6df39b0423a48b9cf89518b90623a796be1d36bb36c559ad9045af55e7106310
+contract address: 0x8f671f69efab33437123b02701560ee80546b9e8
+currentAccount: 0x126235d39382170c8aafacfd1f430610190d8de9
+```
+
+
+
+### 2. 合约调用
+
+
+
+#### 2.1 获取proxy地址
+
+```sh
+[group:1]> call contracts/solidity/redpacket/redpacket.sol 0x8f671f69efab33437123b02701560ee80546b9e8 getProxy
+---------------------------------------------------------------------------------------------
+Return code: 0
+description: transaction executed successfully
+Return message: Success
+---------------------------------------------------------------------------------------------
+Return value size:1
+Return types: (ADDRESS)
+Return values:(0x66e6fbb2cf7bf635653db398de624c09c2cd52cf)
+---------------------------------------------------------------------------------------------
+```
+
+#### 2.2 土豪调用积分授权合约
+
+在这里要用到前一步获得的proxy合约地址，土豪将自己的积分授权给proxy合约。
+
+```sh
+[group:1]> call contracts/solidity/redpacket/mypoints.sol 0xdc9f277d4b706f0e8e4ce4c3b94a726ee716368f approve 0x66e6fbb2cf7bf635653db398de624c09c2cd52cf 1000
+transaction hash: 0xc8b0e6b93630751e68f6ae7a20e61ae0df1b22b8548944ea9e0806950b7a2deb
+---------------------------------------------------------------------------------------------
+transaction status: 0x0
+description: transaction executed successfully
+---------------------------------------------------------------------------------------------
+Receipt message: Success
+Return message: Success
+Return value size:1
+Return types: (BOOL)
+Return values:(true)
+---------------------------------------------------------------------------------------------
+Event logs
+Event: {"Approval":[[1000]]}
+```
+
+
+
+#### 2.3 土豪执行发红包动作
+
+这里说的“土豪”实际上是控制台的默认账户。
+
+这一步，需要调用redpacket合约中的sendRedPacket，需要传给它的参数是：红包数量，是否等值红包，积分合约地址，红包总金额
+
+```sh
+[group:1]> call contracts/solidity/redpacket/redpacket.sol 0x8f671f69efab33437123b02701560ee80546b9e8 sendRedPacket 4 true 0xdc9f277d4b706f0e8e4ce4c3b94a726ee716368f 1000
+transaction hash: 0x0416c14b18fac4b3cebbf07d4e85b2146002f97e95d16eb7411cc1a92ba540c2
+---------------------------------------------------------------------------------------------
+transaction status: 0x0
+description: transaction executed successfully
+---------------------------------------------------------------------------------------------
+Receipt message: Success
+Return message: Success
+Return values:[]
+---------------------------------------------------------------------------------------------
+Event logs
+Event: {}
+```
+
+#### 2.4 切换另外一个用户抢红包
+
+先切换一下调用用户，使用loadAccount可以完成此操作。
+
+```sh
+[group:1]> listAccount 
+0x126235d39382170c8aafacfd1f430610190d8de9(current account) <=
+0xf6e254e6bd8c7d6799dd72d30fa440a8bf06a39f
+
+[group:1]> loadAccount 0xf6e254e6bd8c7d6799dd72d30fa440a8bf06a39f
+Load account 0xf6e254e6bd8c7d6799dd72d30fa440a8bf06a39f success!
+
+[group:1]> listAccount 
+0xf6e254e6bd8c7d6799dd72d30fa440a8bf06a39f(current account) <=
+0x126235d39382170c8aafacfd1f430610190d8de9
+```
+
+查询当前账户的余额
+
+```sh
+[group:1]> call contracts/solidity/redpacket/mypoints.sol 0xdc9f277d4b706f0e8e4ce4c3b94a726ee716368f balanceOf 0xf6e254e6bd8c7d6799dd72d30fa440a8bf06a39f
+---------------------------------------------------------------------------------------------
+Return code: 0
+description: transaction executed successfully
+Return message: Success
+---------------------------------------------------------------------------------------------
+Return value size:1
+Return types: (UINT)
+Return values:(0)
+---------------------------------------------------------------------------------------------
+
+```
+
+此时，可以调用抢红包方法grabRedpacket
+
+```sh
+[group:1]> call contracts/solidity/redpacket/redpacket.sol 0x8f671f69efab33437123b02701560ee80546b9e8 grabRedpacket
+transaction hash: 0x856ee929442b6b7eb6e0d884df63330db59a2ccbcd37ccf3ea15c53821205225
+---------------------------------------------------------------------------------------------
+transaction status: 0x0
+description: transaction executed successfully
+---------------------------------------------------------------------------------------------
+Receipt message: Success
+Return message: Success
+Return values:[]
+---------------------------------------------------------------------------------------------
+Event logs
+Event: {}
+
+```
+
+再次查看当前账户的余额，发现变为了250。
+
+```sh
+[group:1]> call contracts/solidity/redpacket/mypoints.sol 0xdc9f277d4b706f0e8e4ce4c3b94a726ee716368f balanceOf 0xf6e254e6bd8c7d6799dd72d30fa440a8bf06a39f
+---------------------------------------------------------------------------------------------
+Return code: 0
+description: transaction executed successfully
+Return message: Success
+---------------------------------------------------------------------------------------------
+Return value size:1
+Return types: (UINT)
+Return values:(250)
+---------------------------------------------------------------------------------------------
+
+```
+