Proposed table structure:

Code:
# use this table name since we want to use the code from store credit module
CREATE TABLE sc_customer (
  `customer_id` int(11) NOT NULL,
  `amount` float NOT NULL default '0',
  `created_on` int(11) NOT NULL DEFAULT '0',
  `modified_on` int(11) NOT NULL DEFAULT '0',
   PRIMARY KEY ( `customers_id` )
);

# holding category specific ratio
CREATE TABLE sc_categories_ratio (
  `categories_id` int(11) NOT NULL,
  `ratio` float NOT NULL DEFAULT '1',
   PRIMARY KEY ( `categories_id` )
);

# holding products specific ratio
CREATE TABLE sc_categories_ratio (
  `products_id` int(11) NOT NULL,
  `ratio` float NOT NULL DEFAULT '1',
   PRIMARY KEY ( `products_id` )
);

# log table
CREATE TABLE sc_logs (
  `products_id` int(11) NOT NULL,
  `orders_id` int(11) NOT NULL,
  `ratio` float NOT NULL,
  `amount` float NOT NULL,
  `status` tinyint(1) NOT NULL DEFAULT '0' ,
  `created_on` int(11) NOT NULL DEFAULT '0',
  `modified_on` int(11) NOT NULL DEFAULT '0',
)