Point-of-value is a department or a specialized area of a company that involves producing, saving or reinvesting money. It can be a replenishing quality, or a lack-of therein, in a product, service, or entity. Anything that is monetarily productive is said to have a high point-of-value and anything that is somewhat monetarily productive is said to have a low point-of-value. Anything that is not monetarily productive is said to have no point-of-value. Never can anything be monetarily destructive, because money is not destroyed.
This has no direct relationship with the point-of-sale, nor with the place of purchase.