Hi,
I did not understand your question...
Virtual coupons is for creating a virtual coupon in your cart. It's the two lines that you mentioned.
When you do not use virtual coupons, the AUP plugin is used as a classical payment method. You can pay the full order with your points or validate the order and create a discount coupon which would be attached to your cart (as a classical discount coupon, not a virtual one).
Regards,
Jerome - Obsidev.com
HikaMarket & HikaSerial developer / HikaShop core dev team.
Also helping the HikaShop support team when having some time or couldn't sleep.
By the way, do not send me private message, use the "contact us" form instead.