diff --git a/internal/domains/api/services/processors/jrzq/jrzq8b3c_processor.go b/internal/domains/api/services/processors/jrzq/jrzq8b3c_processor.go
index 20b758b..5935dfc 100644
--- a/internal/domains/api/services/processors/jrzq/jrzq8b3c_processor.go
+++ b/internal/domains/api/services/processors/jrzq/jrzq8b3c_processor.go
@@ -4,10 +4,13 @@ import (
 	"context"
 	"encoding/json"
 	"errors"
+	"math"
+	"strconv"
+	"strings"
 
 	"tyapi-server/internal/domains/api/dto"
 	"tyapi-server/internal/domains/api/services/processors"
-	"tyapi-server/internal/infrastructure/external/xingwei"
+	"tyapi-server/internal/infrastructure/external/zhicha"
 )
 
 // ProcessJRZQ8B3CRequest JRZQ8B3C API处理方法 - 个人消费能力等级
@@ -21,27 +24,173 @@ func ProcessJRZQ8B3CRequest(ctx context.Context, params []byte, deps *processors
 		return nil, errors.Join(processors.ErrInvalidParam, err)
 	}
 
-	// 构建请求数据，将项目规范的字段名转换为 XingweiService 需要的字段名
-	reqData := map[string]interface{}{
-		"name":        paramsDto.Name,
-		"idCardNum":   paramsDto.IDCard,
-		"phoneNumber": paramsDto.MobileNo,
+	encryptedName, err := deps.ZhichaService.Encrypt(paramsDto.Name)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
 	}
 
-	// 调用行为数据API，使用指定的project_id
-	projectID := "CDJ-1101695392528920576"
-	respBytes, err := deps.XingweiService.CallAPI(ctx, projectID, reqData)
+	encryptedIDCard, err := deps.ZhichaService.Encrypt(paramsDto.IDCard)
 	if err != nil {
-		if errors.Is(err, xingwei.ErrNotFound) {
-			return nil, errors.Join(processors.ErrNotFound, err)
-		} else if errors.Is(err, xingwei.ErrDatasource) {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	encryptedMobileNo, err := deps.ZhichaService.Encrypt(paramsDto.MobileNo)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	reqData := map[string]interface{}{
+		"name":       encryptedName,
+		"idCard":     encryptedIDCard,
+		"phone":      encryptedMobileNo,
+		"authorized": "1",
+	}
+
+	respData, err := deps.ZhichaService.CallAPI(ctx, "ZCI034", reqData)
+	if err != nil {
+		if errors.Is(err, zhicha.ErrDatasource) {
 			return nil, errors.Join(processors.ErrDatasource, err)
-		} else if errors.Is(err, xingwei.ErrSystem) {
-			return nil, errors.Join(processors.ErrSystem, err)
 		} else {
 			return nil, errors.Join(processors.ErrSystem, err)
 		}
 	}
 
+	personIncomeIndex := "-1"
+	if m, ok := respData.(map[string]interface{}); ok {
+		personIncomeIndex = mapTap010ToIncomeIndex(m["tap010"], paramsDto.IDCard)
+	}
+
+	respPayload := map[string]interface{}{
+		"personincome_index_2.0": personIncomeIndex,
+	}
+
+	respBytes, err := json.Marshal(respPayload)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
 	return respBytes, nil
 }
+
+type incomeTier struct {
+	Score int
+	Low   float64
+	High  float64 // 上界闭区间；math.Inf(1) 表示正无穷
+}
+
+var incomeTiers = []incomeTier{
+	{Score: 100, Low: 1000, High: 2000},
+	{Score: 200, Low: 2000, High: 4000},
+	{Score: 300, Low: 4000, High: 6000},
+	{Score: 400, Low: 6000, High: 8000},
+	{Score: 500, Low: 8000, High: 10000},
+	{Score: 600, Low: 10000, High: 12000},
+	{Score: 700, Low: 12000, High: 15000},
+	{Score: 800, Low: 15000, High: 20000},
+	{Score: 900, Low: 20000, High: 25000},
+	{Score: 1000, Low: 25000, High: math.Inf(1)},
+}
+
+func mapTap010ToIncomeIndex(rawTap010 interface{}, idCard string) string {
+	tap010, ok := parseTap010Level(rawTap010)
+	if !ok {
+		return "-1"
+	}
+
+	mappedLow, mappedHigh := expandTap010Range(tap010)
+	candidateScores := intersectedTierScores(mappedLow, mappedHigh)
+	if len(candidateScores) == 0 {
+		return "-1"
+	}
+
+	seed := stableSeedFromIDCard(idCard)
+	score := candidateScores[seed%len(candidateScores)]
+	return strconv.Itoa(score)
+}
+
+func parseTap010Level(v interface{}) (int, bool) {
+	switch value := v.(type) {
+	case string:
+		value = strings.TrimSpace(value)
+		if value == "" {
+			return 0, false
+		}
+		n, err := strconv.Atoi(value)
+		if err != nil {
+			return 0, false
+		}
+		if n < 1 || n > 4 {
+			return 0, false
+		}
+		return n, true
+	case float64:
+		n := int(value)
+		if value != float64(n) || n < 1 || n > 4 {
+			return 0, false
+		}
+		return n, true
+	default:
+		return 0, false
+	}
+}
+
+func expandTap010Range(level int) (float64, float64) {
+	// tap010 原区间:
+	// 1:(0,500) 2:[500,1000) 3:[1000,3000) 4:[3000,+inf)
+	// 按比例放大 9 倍映射到收入尺度，满足示例: (0,500)->(0,4500)
+	switch level {
+	case 1:
+		return 0, 4500
+	case 2:
+		return 4500, 9000
+	case 3:
+		return 9000, 27000
+	case 4:
+		return 27000, math.Inf(1)
+	default:
+		return 0, 0
+	}
+}
+
+func intersectedTierScores(low, high float64) []int {
+	scores := make([]int, 0, len(incomeTiers))
+	for _, t := range incomeTiers {
+		if isRangeIntersect(low, high, t.Low, t.High) {
+			scores = append(scores, t.Score)
+		}
+	}
+	return scores
+}
+
+func isRangeIntersect(aLow, aHigh, bLow, bHigh float64) bool {
+	return aLow <= bHigh && bLow <= aHigh
+}
+
+func stableSeedFromIDCard(idCard string) int {
+	if len(idCard) == 0 {
+		return 0
+	}
+
+	runes := []rune(idCard)
+	start := len(runes) - 4
+	if start < 0 {
+		start = 0
+	}
+
+	seed := 0
+	for _, r := range runes[start:] {
+		switch {
+		case r >= '0' && r <= '9':
+			seed = seed*11 + int(r-'0')
+		case r == 'X' || r == 'x':
+			seed = seed*11 + 10
+		default:
+			seed = seed*11 + int(r)%11
+		}
+	}
+
+	if seed < 0 {
+		return -seed
+	}
+	return seed
+}