diff --git a/internal/domains/api/dto/api_request_dto.go b/internal/domains/api/dto/api_request_dto.go
index 002460c..2a4a040 100644
--- a/internal/domains/api/dto/api_request_dto.go
+++ b/internal/domains/api/dto/api_request_dto.go
@@ -246,6 +246,12 @@ type IVYZZQT3Req struct {
 	IDCard    string `json:"id_card" validate:"required,validIDCard"`
 	PhotoData string `json:"photo_data" validate:"required,validBase64Image"`
 }
+type IVYZZQ3BReq struct {
+	Name       string `json:"name" validate:"required,min=1,validName"`
+	IDCard     string `json:"id_card" validate:"required,validIDCard"`
+	ImageUrl   string `json:"image_url" validate:"required,url"`
+	Authorized string `json:"authorized" validate:"required,oneof=0 1"`
+}
 
 type IVYZSFELReq struct {
 	Name                  string `json:"name" validate:"required,min=1,validName"`
diff --git a/internal/domains/api/services/api_request_service.go b/internal/domains/api/services/api_request_service.go
index 964509c..a3117ff 100644
--- a/internal/domains/api/services/api_request_service.go
+++ b/internal/domains/api/services/api_request_service.go
@@ -318,6 +318,7 @@ func registerAllProcessors(combService *comb.CombService) {
 		"IVYZ6M8P": ivyz.ProcessIVYZ6M8PRequest, //职业资格证书
 		"IVYZ9H2M": ivyz.ProcessIVYZ9H2MRequest, //极光个人婚姻查询（V2版）
 		"IVYZZQT3": ivyz.ProcessIVYZZQT3Request, //人脸比对V3
+		"IVYZZQ3B": ivyz.ProcessIVYZZQ3BRequest, //人脸比对B（B：similarity + verification_result）
 		"IVYZBPQ2": ivyz.ProcessIVYZBPQ2Request, //人脸比对V2
 		"IVYZSFEL": ivyz.ProcessIVYZSFELRequest, //全国自然人人像三要素核验_V1
 		"IVYZ0S0D": ivyz.ProcessIVYZ0S0DRequest, //劳动仲裁信息查询（个人版）
diff --git a/internal/domains/api/services/form_config_service.go b/internal/domains/api/services/form_config_service.go
index 80155c2..1bd2fc4 100644
--- a/internal/domains/api/services/form_config_service.go
+++ b/internal/domains/api/services/form_config_service.go
@@ -206,6 +206,7 @@ func (s *FormConfigServiceImpl) getDTOStruct(ctx context.Context, apiCode string
 		"QYGL5CMP":     &dto.QYGL5CMPReq{}, //企业五要素验证
 		"QCXG4896":     &dto.QCXG4896Req{}, //网约车风险查询
 		"IVYZZQT3":     &dto.IVYZZQT3Req{}, //人脸比对V3
+		"IVYZZQ3B":     &dto.IVYZZQ3BReq{}, //人脸比对B（B：similarity + verification_result）
 		"IVYZBPQ2":     &dto.IVYZBPQ2Req{}, //人脸比对V2
 		"IVYZSFEL":     &dto.IVYZSFELReq{}, //全国自然人人像三要素核验_V1
 		"QYGL66SL":     &dto.QYGL66SLReq{}, //全国企业司法模型服务查询_V1
@@ -475,7 +476,7 @@ func (s *FormConfigServiceImpl) generateFieldLabel(jsonTag string) string {
 		"authorized":                 "是否授权",
 		"authorization_url":          "授权链接",
 		"unique_id":                  "唯一标识",
-		"return_url":                 "返回链接",
+		"return_url":                 "回调地址",
 		"mobile_type":                "手机类型",
 		"start_date":                 "开始日期",
 		"years":                      "年数",
@@ -544,7 +545,7 @@ func (s *FormConfigServiceImpl) generateExampleValue(fieldType reflect.Type, jso
 		"mobile_type":                "移动",
 		"start_date":                 "2024-01-01",
 		"unique_id":                  "UNIQUE123456",
-		"return_url":                 "https://example.com/return",
+		"return_url":                 "https://example.com/return ，回调地址链接用于接收回调数据。",
 		"authorization_url":          "https://example.com/auth20250101.pdf 注意：请不要使用示例链接，示例链接仅作为参考格式。必须为实际的被查询人授权具有法律效益的授权书文件链接，如访问不到或为不实授权书将追究责任。协议必须为http https",
 		"user_type":                  "1",
 		"vehicle_type":               "0",
@@ -619,7 +620,7 @@ func (s *FormConfigServiceImpl) generatePlaceholder(jsonTag string, fieldType st
 		"mobile_type":                "请选择手机类型",
 		"start_date":                 "请选择开始日期",
 		"unique_id":                  "请输入唯一标识",
-		"return_url":                 "请输入返回链接",
+		"return_url":                 "请输入回调地址链接",
 		"authorization_url":          "请输入授权链接",
 		"user_type":                  "请选择关系类型",
 		"vehicle_type":               "请选择车辆类型",
@@ -696,7 +697,7 @@ func (s *FormConfigServiceImpl) generateDescription(jsonTag string, validation s
 		"mobile_type":                "请选择手机类型",
 		"start_date":                 "请选择开始日期",
 		"unique_id":                  "请输入唯一标识",
-		"return_url":                 "请输入返回链接",
+		"return_url":                 "请输入回调地址链接",
 		"authorization_url":          "请输入授权链接",
 		"user_type":                  "关系类型：1-ETC开户人；2-车辆所有人；3-ETC经办人（默认1-ETC开户人）",
 		"vehicle_type":               "车辆类型：0-客车；1-货车；2-全部（默认查全部）",
diff --git a/internal/domains/api/services/form_config_service_test.go b/internal/domains/api/services/form_config_service_test.go
index 7711d3f..e9a1b85 100644
--- a/internal/domains/api/services/form_config_service_test.go
+++ b/internal/domains/api/services/form_config_service_test.go
@@ -28,10 +28,10 @@ func TestFormConfigService_GetFormConfig(t *testing.T) {
 
 	// 验证字段信息
 	expectedFields := map[string]bool{
-		"man_name":       false,
-		"man_id_card":    false,
-		"woman_name":     false,
-		"woman_id_card":  false,
+		"man_name":      false,
+		"man_id_card":   false,
+		"woman_name":    false,
+		"woman_id_card": false,
 	}
 
 	for _, field := range config.Fields {
diff --git a/internal/domains/api/services/processors/ivyz/ivyzzq3B_processor.go b/internal/domains/api/services/processors/ivyz/ivyzzq3B_processor.go
new file mode 100644
index 0000000..c878331
--- /dev/null
+++ b/internal/domains/api/services/processors/ivyz/ivyzzq3B_processor.go
@@ -0,0 +1,112 @@
+package ivyz
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+	"strconv"
+	"time"
+
+	"tyapi-server/internal/domains/api/dto"
+	"tyapi-server/internal/domains/api/services/processors"
+	"tyapi-server/internal/infrastructure/external/zhicha"
+)
+
+// ProcessIVYZZQ3BRequest IVYZZQ3B 人脸比对 B
+func ProcessIVYZZQ3BRequest(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
+	var paramsDto dto.IVYZZQ3BReq
+	if err := json.Unmarshal(params, &paramsDto); err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	if err := deps.Validator.ValidateStruct(paramsDto); err != nil {
+		return nil, errors.Join(processors.ErrInvalidParam, err)
+	}
+	encryptedName, err := deps.ZhichaService.Encrypt(paramsDto.Name)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+	encryptedIDCard, err := deps.ZhichaService.Encrypt(paramsDto.IDCard)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+	encryptedImageUrl, err := deps.ZhichaService.Encrypt(paramsDto.ImageUrl)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	reqData := map[string]interface{}{
+		"idCard":     encryptedIDCard,
+		"name":       encryptedName,
+		"imageId":    encryptedImageUrl,
+		"authorized": paramsDto.Authorized,
+	}
+
+	respData, err := deps.ZhichaService.CallAPI(ctx, "ZCI062", reqData)
+	if err != nil {
+		if errors.Is(err, zhicha.ErrDatasource) {
+			return nil, errors.Join(processors.ErrDatasource, err)
+		} else {
+			return nil, errors.Join(processors.ErrSystem, err)
+		}
+	}
+
+	respBytes, err := json.Marshal(respData)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	outBytes, err := mapZCI062RespToIVYZZQ3B(respBytes)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+	return outBytes, nil
+}
+
+type IVYZZQ3BOut struct {
+	HandleTime string                `json:"handleTime"`
+	ResultData IVYZZQ3BOutResultData `json:"resultData"`
+}
+
+type IVYZZQ3BOutResultData struct {
+	// VerificationResult 审核校验结果：valid 身份审核通过；invalid 身份审核不通过（与 similarity 区间联动，见 mapVerificationResultFromSimilarity）
+	VerificationResult string `json:"verification_result"`
+	// Similarity 照片相似度分数字符串（0–1000）。区间说明：（0，600）不同人；（600，700）不能确定是否同人；（700，1000）同人。数值为上游 score(0~1)×1000。
+	Similarity string `json:"similarity"`
+}
+
+// zci062UpstreamResp 智查 ZCI062 成功返回体中的分数字段（分值越大相似度越高）
+type zci062UpstreamResp struct {
+	Score interface{} `json:"score"`
+}
+
+func mapZCI062RespToIVYZZQ3B(respBytes []byte) ([]byte, error) {
+	var r zci062UpstreamResp
+	if err := json.Unmarshal(respBytes, &r); err != nil {
+		return nil, err
+	}
+
+	score := parseScoreToFloat64(r.Score)
+	similarityVal := score * 1000
+	similarity := strconv.FormatFloat(similarityVal, 'f', 2, 64)
+	verificationResult := mapVerificationResultFromSimilarity(similarityVal)
+
+	out := IVYZZQ3BOut{
+		HandleTime: time.Now().Format("2006-01-02 15:04:05"),
+		ResultData: IVYZZQ3BOutResultData{
+			VerificationResult: verificationResult,
+			Similarity:         similarity,
+		},
+	}
+
+	return json.Marshal(out)
+}
+
+// mapVerificationResultFromSimilarity 与 similarity（0–1000）区间说明对齐：
+// （700，1000】系统判断为同一人 → 身份审核通过 valid；其余 → invalid。
+func mapVerificationResultFromSimilarity(similarity float64) string {
+	if similarity >= 700 {
+		return "valid"
+	}
+	return "invalid"
+}
diff --git a/internal/infrastructure/external/huibo/huibo_service.go b/internal/infrastructure/external/huibo/huibo_service.go
index 29dfb0f..a9773e5 100644
--- a/internal/infrastructure/external/huibo/huibo_service.go
+++ b/internal/infrastructure/external/huibo/huibo_service.go
@@ -32,11 +32,11 @@ var (
 )
 
 const (
-	headerAuthorization       = "Authorization"
-	headerYMDate              = "YmDate"
-	headerOrderCode           = "X-ORDER-CODE"
-	headerResponseType        = "X-RESPONSE-TYPE"
-	headerResponseTypeDataVal = "data"
+	headerAuthorization = "Authorization"
+	headerWorkOrderCode = "workOrderCode"
+	headerOrderCode     = "X-ORDER-CODE"
+	headerSecretIDHdr   = "secretId"
+	headerAESKeyHdr     = "aesKey"
 )
 
 // 汇博常见状态码
@@ -225,9 +225,7 @@ func (s *HuiboService) CallEducationBackgroundDetailed(ctx context.Context, name
 func (s *HuiboService) callAPI(ctx context.Context, reqOuterJSON []byte, pdfBytes []byte) ([]byte, error) {
 	var body bytes.Buffer
 	writer := multipart.NewWriter(&body)
-	if err := writer.WriteField("req", string(reqOuterJSON)); err != nil {
-		return nil, errors.Join(ErrSystem, err)
-	}
+	// 与对接示例一致：先 file 再 req
 	part, err := writer.CreateFormFile("file", "authorization.pdf")
 	if err != nil {
 		return nil, errors.Join(ErrSystem, err)
@@ -235,6 +233,9 @@ func (s *HuiboService) callAPI(ctx context.Context, reqOuterJSON []byte, pdfByte
 	if _, err = part.Write(pdfBytes); err != nil {
 		return nil, errors.Join(ErrSystem, err)
 	}
+	if err := writer.WriteField("req", string(reqOuterJSON)); err != nil {
+		return nil, errors.Join(ErrSystem, err)
+	}
 	if err = writer.Close(); err != nil {
 		return nil, errors.Join(ErrSystem, err)
 	}
@@ -244,23 +245,49 @@ func (s *HuiboService) callAPI(ctx context.Context, reqOuterJSON []byte, pdfByte
 		return nil, errors.Join(ErrSystem, err)
 	}
 	req.Header.Set(headerAuthorization, s.config.AppID+"::"+s.config.AppKey)
-	req.Header.Set(headerYMDate, strconv.FormatInt(time.Now().UnixMilli(), 10))
+	req.Header.Set(headerWorkOrderCode, s.config.WorkOrderCode)
 	req.Header.Set(headerOrderCode, s.config.XOrderCode)
-	req.Header.Set(headerResponseType, headerResponseTypeDataVal)
+	req.Header.Set(headerSecretIDHdr, s.config.SecretID)
+	req.Header.Set(headerAESKeyHdr, s.config.AESKey)
 	req.Header.Set("Content-Type", writer.FormDataContentType())
 
 	client := &http.Client{Timeout: 60 * time.Second}
 	resp, err := client.Do(req)
 	if err != nil {
+		if s.logger != nil {
+			s.logger.LogErrorWithFields("汇博 HTTP 请求失败",
+				zap.String("url", s.config.URL),
+				zap.Error(err),
+			)
+		}
 		return nil, errors.Join(ErrDatasource, err)
 	}
 	defer resp.Body.Close()
 
 	respBody, err := io.ReadAll(resp.Body)
 	if err != nil {
+		if s.logger != nil {
+			s.logger.LogErrorWithFields("汇博 读取响应体失败",
+				zap.String("url", s.config.URL),
+				zap.Int("http_status", resp.StatusCode),
+				zap.Error(err),
+			)
+		}
 		return nil, errors.Join(ErrSystem, err)
 	}
 	if resp.StatusCode < 200 || resp.StatusCode >= 300 {
+		if s.logger != nil {
+			bodySnippet := string(respBody)
+			const maxLog = 1024
+			if len(bodySnippet) > maxLog {
+				bodySnippet = bodySnippet[:maxLog] + "...(truncated)"
+			}
+			s.logger.LogErrorWithFields("汇博 HTTP 状态异常",
+				zap.String("url", s.config.URL),
+				zap.Int("http_status", resp.StatusCode),
+				zap.String("response_body", bodySnippet),
+			)
+		}
 		return nil, errors.Join(ErrDatasource, fmt.Errorf("HTTP状态码异常: %d, body: %s", resp.StatusCode, string(respBody)))
 	}
 	return respBody, nil
@@ -272,6 +299,7 @@ func (s *HuiboService) validateConfig() error {
 		strings.TrimSpace(s.config.AppKey) == "" ||
 		strings.TrimSpace(s.config.SecretID) == "" ||
 		strings.TrimSpace(s.config.AESKey) == "" ||
+		strings.TrimSpace(s.config.WorkOrderCode) == "" ||
 		strings.TrimSpace(s.config.XOrderCode) == "" {
 		return errors.New("汇博配置不完整")
 	}
diff --git a/internal/shared/middleware/daily_rate_limit.go b/internal/shared/middleware/daily_rate_limit.go
index a486518..5f64058 100644
--- a/internal/shared/middleware/daily_rate_limit.go
+++ b/internal/shared/middleware/daily_rate_limit.go
@@ -251,7 +251,7 @@ func (m *DailyRateLimitMiddleware) shouldRecordNearLimit(current, max int) bool
 	if max <= 0 {
 		return false
 	}
-	threshold := int(math.Ceil(float64(max) * 0.8))
+	threshold := int(math.Ceil(float64(max) * 0.9))
 	if threshold < 1 {
 		threshold = 1
 	}
diff --git a/internal/shared/validator/custom_validators.go b/internal/shared/validator/custom_validators.go
index d6e7c13..abbf1cf 100644
--- a/internal/shared/validator/custom_validators.go
+++ b/internal/shared/validator/custom_validators.go
@@ -9,8 +9,9 @@ import (
 	"strings"
 	"time"
 
-	"github.com/go-playground/validator/v10"
 	"tyapi-server/internal/shared/pdfvalidate"
+
+	"github.com/go-playground/validator/v10"
 )
 
 // RegisterCustomValidators 注册所有自定义验证器
@@ -630,7 +631,7 @@ func validateEnterpriseName(fl validator.FieldLevel) bool {
 	// 支持：有限公司、股份有限公司、工作室、个体工商户、合伙企业等
 	validSuffixes := []string{
 		"有限公司", "有限责任公司", "股份有限公司", "股份公司",
-		"工作室", "个体工商户", "个人独资企业", "合伙企业",
+		"工作室", "个体工商户", "个人独资企业", "个人独资", "合伙企业",
 		"集团有限公司", "集团股份有限公司",
 		"分公司", "子公司", "办事处", "代表处",
 		"Co.,Ltd", "Co., Ltd", "Ltd", "LLC", "Inc", "Corp",
@@ -915,7 +916,7 @@ func ValidateEnterpriseName(enterpriseName string) error {
 	// 支持：有限公司、股份有限公司、工作室、个体工商户、合伙企业等
 	validSuffixes := []string{
 		"有限公司", "有限责任公司", "股份有限公司", "股份公司",
-		"工作室", "个体工商户", "个人独资企业", "合伙企业",
+		"工作室", "个体工商户", "个人独资企业", "个人独资", "合伙企业",
 		"集团有限公司", "集团股份有限公司",
 		"分公司", "子公司", "办事处", "代表处",
 		"Co.,Ltd", "Co., Ltd", "Ltd", "LLC", "Inc", "Corp",