diff --git a/internal/domains/api/dto/api_request_dto.go b/internal/domains/api/dto/api_request_dto.go
index c1c54e3..c1857c4 100644
--- a/internal/domains/api/dto/api_request_dto.go
+++ b/internal/domains/api/dto/api_request_dto.go
@@ -148,8 +148,8 @@ type QCXG1S2LReq struct {
 }
 type YYSYS7Y1Req struct {
 	MobileNo string `json:"mobile_no" validate:"required,min=11,max=11,validMobileNo"`
-	Name     string `json:"name" validate:"required,min=1,validName"`
-	IDCard   string `json:"id_card" validate:"required,validIDCard"`
+	Name     string `json:"name" validate:"omitempty,min=1,validName"`
+	IDCard   string `json:"id_card" validate:"omitempty,validIDCard"`
 }
 
 type JRZQDMLOReq struct {
diff --git a/internal/domains/api/services/processors/yysy/yysys7y1_processor.go b/internal/domains/api/services/processors/yysy/yysys7y1_processor.go
index 9fcdf72..8575902 100644
--- a/internal/domains/api/services/processors/yysy/yysys7y1_processor.go
+++ b/internal/domains/api/services/processors/yysy/yysys7y1_processor.go
@@ -21,12 +21,16 @@ func ProcessYYSYS7Y1Request(ctx context.Context, params []byte, deps *processors
 		return nil, errors.Join(processors.ErrInvalidParam, err)
 	}
 
-	// 构建数据宝入参：phone、name、idCard 需传 MD5 密文
+	// 构建数据宝入参：phone、name、idCard 需传 MD5 密文（name、idCard 选填）
 	reqParams := map[string]interface{}{
-		"key":    "40130990be30f9fea6422168d138ff6c",
-		"phone":  shujubao.MD5Encrypt(paramsDto.MobileNo),
-		"name":   shujubao.MD5Encrypt(paramsDto.Name),
-		"idCard": shujubao.MD5Encrypt(paramsDto.IDCard),
+		"key":   "40130990be30f9fea6422168d138ff6c",
+		"phone": shujubao.MD5Encrypt(paramsDto.MobileNo),
+	}
+	if paramsDto.Name != "" {
+		reqParams["name"] = shujubao.MD5Encrypt(paramsDto.Name)
+	}
+	if paramsDto.IDCard != "" {
+		reqParams["idCard"] = shujubao.MD5Encrypt(paramsDto.IDCard)
 	}
 
 	// 最终请求 URL = https://api.chinadatapay.com/communication + 拼接接口地址值，如 personal/197