diff --git a/internal/domains/api/services/processors/jrzq/jrzq0l85_processor.go b/internal/domains/api/services/processors/jrzq/jrzq0l85_processor.go
index 42e2ba7..29ae332 100644
--- a/internal/domains/api/services/processors/jrzq/jrzq0l85_processor.go
+++ b/internal/domains/api/services/processors/jrzq/jrzq0l85_processor.go
@@ -4,13 +4,15 @@ import (
 	"context"
 	"encoding/json"
 	"errors"
+	"math"
+	"strconv"
 
 	"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"
 )
 
-// ProcessJRZQ0L85Request JRZQ0L85 API处理方法 - xingwei service
+// ProcessJRZQ0L85Request JRZQ0L85 API处理方法 - 个人信用分
 func ProcessJRZQ0L85Request(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
 	var paramsDto dto.JRZQ0L85Req
 	if err := json.Unmarshal(params, &paramsDto); err != nil {
@@ -21,27 +23,100 @@ func ProcessJRZQ0L85Request(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-1101695364016041984"
-	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, "ZCI021", 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)
 		}
 	}
 
+	score := "-1"
+	if m, ok := respData.(map[string]interface{}); ok {
+		if raw, exists := m["xyp_cpl0081"]; exists {
+			if v, ok := parseToFloat64(raw); ok {
+				score = mapXypToGeneralScore(v)
+			}
+		}
+	}
+
+	result := map[string]interface{}{
+		"score_120_General": score,
+	}
+
+	respBytes, err := json.Marshal(result)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
 	return respBytes, nil
 }
+
+func parseToFloat64(v interface{}) (float64, bool) {
+	switch value := v.(type) {
+	case float64:
+		return value, true
+	case string:
+		if value == "" {
+			return 0, false
+		}
+		f, err := strconv.ParseFloat(value, 64)
+		if err != nil {
+			return 0, false
+		}
+		return f, true
+	case json.Number:
+		f, err := value.Float64()
+		if err != nil {
+			return 0, false
+		}
+		return f, true
+	default:
+		return 0, false
+	}
+}
+
+func mapXypToGeneralScore(xyp float64) string {
+	// xyp_cpl0081: 0~1，值越大风险越高；
+	// score_120_General: 300~900，值越大信用越好。
+	if xyp < 0 {
+		xyp = 0
+	}
+	if xyp > 1 {
+		xyp = 1
+	}
+
+	score := 900 - xyp*600
+	scoreInt := int(math.Round(score))
+	if scoreInt < 300 {
+		scoreInt = 300
+	}
+	if scoreInt > 900 {
+		scoreInt = 900
+	}
+
+	return strconv.Itoa(scoreInt)
+}