diff --git a/app/main/api/internal/logic/query/queryservicelogic.go b/app/main/api/internal/logic/query/queryservicelogic.go
index ed877b6..3098d1a 100644
--- a/app/main/api/internal/logic/query/queryservicelogic.go
+++ b/app/main/api/internal/logic/query/queryservicelogic.go
@@ -5,13 +5,13 @@ import (
 	"encoding/hex"
 	"encoding/json"
 	"fmt"
-	"time"
 	"qnc-server/app/main/api/internal/service"
 	"qnc-server/app/main/model"
 	"qnc-server/common/ctxdata"
 	"qnc-server/common/xerr"
 	"qnc-server/pkg/lzkit/crypto"
 	"qnc-server/pkg/lzkit/validator"
+	"time"
 
 	"github.com/pkg/errors"
 	"github.com/zeromicro/go-zero/core/stores/redis"
@@ -54,6 +54,7 @@ var productProcessors = map[string]func(*QueryServiceLogic, *types.QueryServiceR
 	"preloanbackgroundcheck": (*QueryServiceLogic).ProcessPreLoanBackgroundCheckLogic,
 	"backgroundcheck":        (*QueryServiceLogic).ProcessBackgroundCheckLogic,
 	"personalData":           (*QueryServiceLogic).ProcessPersonalDataLogic,
+	"consumerFinanceReport":  (*QueryServiceLogic).ProcessConsumerFinanceReportLogic,
 }
 
 func (l *QueryServiceLogic) PreprocessLogic(req *types.QueryServiceReq, product string) (*types.QueryServiceResp, error) {
@@ -542,7 +543,64 @@ func (l *QueryServiceLogic) ProcessPersonalDataLogic(req *types.QueryServiceReq)
 		RefreshAfter: now + l.svcCtx.Config.JwtAuth.RefreshAfter,
 	}, nil
 }
+func (l *QueryServiceLogic) ProcessConsumerFinanceReportLogic(req *types.QueryServiceReq) (*types.QueryServiceResp, error) {
+	// AES解密
+	decryptData, DecryptDataErr := l.DecryptData(req.Data)
+	if DecryptDataErr != nil {
+		return nil, DecryptDataErr
+	}
 
+	// 校验参数
+	var data types.ConsumerFinanceReportReq
+	if unmarshalErr := json.Unmarshal(decryptData, &data); unmarshalErr != nil {
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询服务, 解密后的数据格式不正确: %+v", unmarshalErr)
+	}
+
+	if validatorErr := validator.Validate(data); validatorErr != nil {
+		return nil, errors.Wrapf(xerr.NewErrCodeMsg(xerr.PARAM_VERIFICATION_ERROR, validatorErr.Error()), "查询服务, 参数不正确: %+v", validatorErr)
+	}
+
+	// 校验验证码
+	verifyCodeErr := l.VerifyCode(data.Mobile, data.Code)
+	if verifyCodeErr != nil {
+		return nil, verifyCodeErr
+	}
+
+	// 校验三要素
+	verifyErr := l.Verify(data.Name, data.IDCard, data.Mobile)
+	if verifyErr != nil {
+		return nil, verifyErr
+	}
+
+	// 缓存
+	params := map[string]interface{}{
+		"name":    data.Name,
+		"id_card": data.IDCard,
+		"mobile":  data.Mobile,
+	}
+	userID, err := l.GetOrCreateUser()
+	if err != nil {
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询服务, 处理用户失败: %v", err)
+	}
+	cacheNo, cacheDataErr := l.CacheData(params, "personalData", userID)
+	if cacheDataErr != nil {
+		return nil, cacheDataErr
+	}
+
+	token, err := l.svcCtx.UserService.GeneralUserToken(l.ctx, userID, model.UserTypeNormal)
+	if err != nil {
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询服务, 生成token失败 : %d", userID)
+	}
+
+	// 获取当前时间戳
+	now := time.Now().Unix()
+	return &types.QueryServiceResp{
+		Id:           cacheNo,
+		AccessToken:  token,
+		AccessExpire: now + l.svcCtx.Config.JwtAuth.AccessExpire,
+		RefreshAfter: now + l.svcCtx.Config.JwtAuth.RefreshAfter,
+	}, nil
+}
 func (l *QueryServiceLogic) DecryptData(data string) ([]byte, error) {
 	secretKey := l.svcCtx.Config.Encrypt.SecretKey
 	key, decodeErr := hex.DecodeString(secretKey)
diff --git a/app/main/api/internal/types/query.go b/app/main/api/internal/types/query.go
index c5e81bd..f12fbea 100644
--- a/app/main/api/internal/types/query.go
+++ b/app/main/api/internal/types/query.go
@@ -58,6 +58,12 @@ type PersonalDataReq struct {
 	Mobile string `json:"mobile" validate:"required,mobile"`
 	Code   string `json:"code" validate:"required"`
 }
+type ConsumerFinanceReportReq struct {
+	Name   string `json:"name" validate:"required,name"`
+	IDCard string `json:"id_card" validate:"required,idCard"`
+	Mobile string `json:"mobile" validate:"required,mobile"`
+	Code   string `json:"code" validate:"required"`
+}
 type EntLawsuitReq struct {
 	EntName string `json:"ent_name" validate:"required,name"`
 	EntCode string `json:"ent_code" validate:"required,USCI"`