f

config.yaml

@@ -276,6 +276,8 @@ wallet:
     default_credit_limit: 50.00
     min_amount: "100.00" # 生产环境最低充值金额
     max_amount: "100000.00" # 单次最高充值金额
+    recharge_bonus_enabled: true # 是否启用充值赠送，设为 false 时仅展示商务洽谈提示
+    api_store_recharge_tip: "" # 关闭赠送时展示的提示文案，为空则使用默认文案
     # 支付宝充值赠送配置
     alipay_recharge_bonus:
         - recharge_amount: 1000.00 # 充值1000元

configs/env.development.yaml

@@ -108,6 +108,8 @@ wallet:
     default_credit_limit: 0.01
     min_amount: "0.01" # 生产环境最低充值金额
     max_amount: "100000.00" # 单次最高充值金额
+    recharge_bonus_enabled: false # 开发环境可设为 true 测试赠送
+    api_store_recharge_tip: "尊敬的客户，若您的充值金额较大或有批量调价需求，为获取专属商务优惠方案，请直接联系我司商务团队进行洽谈。感谢您的支持！"
     # 支付宝充值赠送配置
     alipay_recharge_bonus:
         - recharge_amount: 0.01 # 充值1000元

configs/env.production.yaml

@@ -109,7 +109,9 @@ wallet:
     default_credit_limit: 50.00
     min_amount: "100.00" # 生产环境最低充值金额
     max_amount: "100000.00" # 单次最高充值金额
-    # 支付宝充值赠送配置
+    recharge_bonus_enabled: false # 暂不赠送，展示商务洽谈提示
+    api_store_recharge_tip: "尊敬的客户，若您的充值金额较大或有批量调价需求，为获取专属商务优惠方案，请直接联系我司商务团队进行洽谈。感谢您的支持！"
+    # 支付宝充值赠送配置（recharge_bonus_enabled 为 true 时生效）
     alipay_recharge_bonus:
         - recharge_amount: 1000.00 # 充值1000元
           bonus_amount: 50.00 # 赠送50元

internal/application/api/api_application_service.go

@@ -609,8 +609,6 @@ func (s *ApiApplicationServiceImpl) GetUserApiCalls(ctx context.Context, userID
 	// 转换为响应DTO
 	var items []dto.ApiCallRecordResponse
 	for _, call := range calls {
-		// 出于安全考虑，不再在数据库中存储或解密真实请求参数
-		// 这里只保留数据库中的原始占位值（通常为空字符串）
 		requestParamsStr := call.RequestParams
 
 		item := dto.ApiCallRecordResponse{

internal/application/finance/dto/responses/finance_responses.go

@@ -108,8 +108,10 @@ type AlipayRechargeOrderResponse struct {
 
 // RechargeConfigResponse 充值配置响应
 type RechargeConfigResponse struct {
-	MinAmount           string                            `json:"min_amount"` // 最低充值金额
-	MaxAmount           string                            `json:"max_amount"` // 最高充值金额
+	MinAmount           string                            `json:"min_amount"`            // 最低充值金额
+	MaxAmount           string                            `json:"max_amount"`            // 最高充值金额
+	RechargeBonusEnabled bool                             `json:"recharge_bonus_enabled"` // 是否启用充值赠送
+	ApiStoreRechargeTip string                            `json:"api_store_recharge_tip"` // API 商店充值提示（大额/批量联系商务）
 	AlipayRechargeBonus []AlipayRechargeBonusRuleResponse `json:"alipay_recharge_bonus"`
 }
 

internal/application/finance/finance_application_service_impl.go

@@ -1337,17 +1337,26 @@ func (s *FinanceApplicationServiceImpl) GetAdminRechargeRecords(ctx context.Cont
 
 // GetRechargeConfig 获取充值配置
 func (s *FinanceApplicationServiceImpl) GetRechargeConfig(ctx context.Context) (*responses.RechargeConfigResponse, error) {
-	bonus := make([]responses.AlipayRechargeBonusRuleResponse, 0, len(s.config.Wallet.AliPayRechargeBonus))
-	for _, rule := range s.config.Wallet.AliPayRechargeBonus {
-		bonus = append(bonus, responses.AlipayRechargeBonusRuleResponse{
-			RechargeAmount: rule.RechargeAmount,
-			BonusAmount:    rule.BonusAmount,
-		})
+	bonus := make([]responses.AlipayRechargeBonusRuleResponse, 0)
+	if s.config.Wallet.RechargeBonusEnabled && len(s.config.Wallet.AliPayRechargeBonus) > 0 {
+		bonus = make([]responses.AlipayRechargeBonusRuleResponse, 0, len(s.config.Wallet.AliPayRechargeBonus))
+		for _, rule := range s.config.Wallet.AliPayRechargeBonus {
+			bonus = append(bonus, responses.AlipayRechargeBonusRuleResponse{
+				RechargeAmount: rule.RechargeAmount,
+				BonusAmount:    rule.BonusAmount,
+			})
+		}
+	}
+	tip := s.config.Wallet.ApiStoreRechargeTip
+	if tip == "" && !s.config.Wallet.RechargeBonusEnabled {
+		tip = "尊敬的客户，若您的充值金额较大或有批量调价需求，为获取专属商务优惠方案，请直接联系我司商务团队进行洽谈。感谢您的支持！"
 	}
 	return &responses.RechargeConfigResponse{
-		MinAmount:           s.config.Wallet.MinAmount,
-		MaxAmount:           s.config.Wallet.MaxAmount,
-		AlipayRechargeBonus: bonus,
+		MinAmount:            s.config.Wallet.MinAmount,
+		MaxAmount:            s.config.Wallet.MaxAmount,
+		RechargeBonusEnabled: s.config.Wallet.RechargeBonusEnabled,
+		ApiStoreRechargeTip:  tip,
+		AlipayRechargeBonus:  bonus,
 	}, nil
 }
 
@@ -1651,9 +1660,9 @@ func (s *FinanceApplicationServiceImpl) processWechatPaymentSuccess(ctx context.
 		return nil
 	}
 
-	// 计算充值赠送金额（复用支付宝的赠送逻辑）
+	// 计算充值赠送金额（复用支付宝的赠送逻辑，受 recharge_bonus_enabled 开关控制）
 	bonusAmount := decimal.Zero
-	if len(s.config.Wallet.AliPayRechargeBonus) > 0 {
+	if s.config.Wallet.RechargeBonusEnabled && len(s.config.Wallet.AliPayRechargeBonus) > 0 {
 		for i := len(s.config.Wallet.AliPayRechargeBonus) - 1; i >= 0; i-- {
 			rule := s.config.Wallet.AliPayRechargeBonus[i]
 			if amount.GreaterThanOrEqual(decimal.NewFromFloat(rule.RechargeAmount)) {

internal/application/user/user_application_service_impl.go

@@ -346,12 +346,12 @@ func (s *UserApplicationServiceImpl) ListUsers(ctx context.Context, query *queri
 				contractItems := make([]*responses.ContractInfoItem, 0, len(contracts))
 				for _, contract := range contracts {
 					contractItems = append(contractItems, &responses.ContractInfoItem{
-						ID:              contract.ID,
-						ContractName:    contract.ContractName,
-						ContractType:    string(contract.ContractType),
+						ID:               contract.ID,
+						ContractName:     contract.ContractName,
+						ContractType:     string(contract.ContractType),
 						ContractTypeName: contract.GetContractTypeName(),
-						ContractFileURL: contract.ContractFileURL,
-						CreatedAt:       contract.CreatedAt,
+						ContractFileURL:  contract.ContractFileURL,
+						CreatedAt:        contract.CreatedAt,
 					})
 				}
 				item.EnterpriseInfo.Contracts = contractItems
@@ -418,12 +418,12 @@ func (s *UserApplicationServiceImpl) GetUserDetail(ctx context.Context, userID s
 			contractItems := make([]*responses.ContractInfoItem, 0, len(contracts))
 			for _, contract := range contracts {
 				contractItems = append(contractItems, &responses.ContractInfoItem{
-					ID:              contract.ID,
-					ContractName:    contract.ContractName,
-					ContractType:    string(contract.ContractType),
+					ID:               contract.ID,
+					ContractName:     contract.ContractName,
+					ContractType:     string(contract.ContractType),
 					ContractTypeName: contract.GetContractTypeName(),
-					ContractFileURL: contract.ContractFileURL,
-					CreatedAt:       contract.CreatedAt,
+					ContractFileURL:  contract.ContractFileURL,
+					CreatedAt:        contract.CreatedAt,
 				})
 			}
 			item.EnterpriseInfo.Contracts = contractItems

internal/config/config.go

@@ -331,11 +331,13 @@ type SignConfig struct {
 
 // WalletConfig 钱包配置
 type WalletConfig struct {
-	DefaultCreditLimit  float64                   `mapstructure:"default_credit_limit"`
-	MinAmount           string                    `mapstructure:"min_amount"` // 最低充值金额
-	MaxAmount           string                    `mapstructure:"max_amount"` // 最高充值金额
-	AliPayRechargeBonus []AliPayRechargeBonusRule `mapstructure:"alipay_recharge_bonus"`
-	BalanceAlert        BalanceAlertConfig        `mapstructure:"balance_alert"`
+	DefaultCreditLimit   float64                   `mapstructure:"default_credit_limit"`
+	MinAmount            string                    `mapstructure:"min_amount"` // 最低充值金额
+	MaxAmount            string                    `mapstructure:"max_amount"` // 最高充值金额
+	RechargeBonusEnabled bool                      `mapstructure:"recharge_bonus_enabled"` // 是否启用充值赠送，关闭后仅展示商务洽谈提示
+	ApiStoreRechargeTip  string                    `mapstructure:"api_store_recharge_tip"`  // API 商店充值提示文案（大额/批量需求联系商务）
+	AliPayRechargeBonus  []AliPayRechargeBonusRule `mapstructure:"alipay_recharge_bonus"`
+	BalanceAlert         BalanceAlertConfig        `mapstructure:"balance_alert"`
 }
 
 // BalanceAlertConfig 余额预警配置

internal/domains/api/dto/api_request_dto.go

@@ -113,6 +113,19 @@ type QYGL2ACDReq struct {
 	LegalPerson string `json:"legal_person" validate:"required,min=1,validName"`
 	EntCode     string `json:"ent_code" validate:"required,validUSCI"`
 }
+type QYGLUY3SReq struct {
+	EntName  string `json:"ent_name" validate:"omitempty,min=1,validEnterpriseName"`
+	EntRegno string `json:"ent_reg_no" validate:"omitempty"`
+	EntCode  string `json:"ent_code" validate:"omitempty,validUSCI"`
+}
+
+type JRZQOCRYReq struct {
+	PhotoData string `json:"photo_data" validate:"required,validBase64Image"`
+}
+type JRZQOCREReq struct {
+	PhotoData string `json:"photo_data" validate:"omitempty,validBase64Image"`
+	ImageUrl  string `json:"image_url" validate:"omitempty,url"`
+}
 
 type YYSYK9R4Req struct {
 	MobileNo string `json:"mobile_no" validate:"required,min=11,max=11,validMobileNo"`
@@ -120,6 +133,10 @@ type YYSYK9R4Req struct {
 	Name     string `json:"name" validate:"required,min=1,validName"`
 }
 
+type YYSY35TAReq struct {
+	MobileNo string `json:"mobile_no" validate:"required,min=11,max=11,validMobileNo"`
+}
+
 type QCXG9F5CReq struct {
 	PlateNo string `json:"plate_no" validate:"required"`
 }
@@ -403,7 +420,7 @@ type COMENT01Req struct {
 }
 
 type JRZQ09J8Req struct {
-	MobileNo   string `json:"mobile_no" validate:"omitempty,min=11,max=11,validMobileNo"`
+	MobileNo   string `json:"mobile_no" validate:"required,min=11,max=11,validMobileNo"`
 	IDCard     string `json:"id_card" validate:"required,validIDCard"`
 	Name       string `json:"name" validate:"required,min=1,validName"`
 	Authorized string `json:"authorized" validate:"required,oneof=0 1"`
@@ -584,10 +601,18 @@ type YYSY6F2BReq struct {
 	MobileNo string `json:"mobile_no" validate:"required,min=11,max=11,validMobileNo"`
 }
 
+type IVYZOCR1Req struct {
+	PhotoData string `json:"photo_data" validate:"omitempty,validBase64Image"`
+	ImageUrl  string `json:"image_url" validate:"omitempty,url"`
+}
 type YYSY8B1CReq struct {
 	MobileNo string `json:"mobile_no" validate:"required,min=11,max=11,validMobileNo"`
 }
 
+type QYGLJ0Q1Req struct {
+	EntName string `json:"ent_name" validate:"omitempty,min=1,validEnterpriseName"`
+	EntCode string `json:"ent_code" validate:"omitempty,validUSCI"`
+}
 type YYSY6D9AReq struct {
 	MobileNo   string `json:"mobile_no" validate:"required,min=11,max=11,validMobileNo"`
 	IDCard     string `json:"id_card" validate:"required,validIDCard"`

internal/domains/api/entities/api_call.go

@@ -80,7 +80,7 @@ func NewApiCall(accessId, requestParams, clientIp string) (*ApiCall, error) {
 		AccessId:      accessId,
 		TransactionId: GenerateTransactionID(),
 		ClientIp:      clientIp,
-		RequestParams: "",
+		RequestParams: requestParams,
 		Status:        ApiCallStatusPending,
 		StartAt:       time.Now(),
 	}, nil

internal/domains/api/services/api_request_service.go

@@ -145,10 +145,12 @@ func registerAllProcessors(combService *comb.CombService) {
 		"JRZQ1W4X": jrzq.ProcessJRZQ1W4XRequest,
 		"JRZQ3P01": jrzq.ProcessJRZQ3P01Request,
 		"JRZQ3AG6": jrzq.ProcessJRZQ3AG6Request,
-		"JRZQO6L7": jrzq.ProcessJRZQO6L7Request, // 全国自然人经济特征评分模型v3 简版
-		"JRZQO7L1": jrzq.ProcessJRZQO7L1Request, // 全国自然人经济特征评分模型v4 详版
-		"JRZQS7G0": jrzq.ProcessJRZQS7G0Request, // 社保综合评分V1
-		"JRZQ1P5G": jrzq.ProcessJRZQ1P5GRequest, // 全国自然人借贷压力指数查询（2）
+		"JRZQO6L7": jrzq.ProcessJRZQO6L7Request,  // 全国自然人经济特征评分模型v3 简版
+		"JRZQO7L1": jrzq.ProcessJRZQO7L1Request,  // 全国自然人经济特征评分模型v4 详版
+		"JRZQS7G0": jrzq.ProcessJRZQS7G0Request,  // 社保综合评分V1
+		"JRZQ1P5G": jrzq.ProcessJRZQ1P5GRequest,  // 全国自然人借贷压力指数查询（2）
+		"JRZQOCRE": jrzq.ProcessJRZQOCREERequest, // 银行卡OCR数卖
+		"JRZQOCRY": jrzq.ProcessJRZQOCRYERequest, // 银行卡OCR数据宝
 
 		// QYGL系列处理器
 		"QYGL8261": qygl.ProcessQYGL8261Request,
@@ -178,6 +180,9 @@ func registerAllProcessors(combService *comb.CombService) {
 		"QYGLNIO8": qygl.ProcessQYGLNIO8Request, //企业基本信息
 		"QYGLP0HT": qygl.ProcessQYGLP0HTRequest, //股权穿透
 		"QYGL5S1I": qygl.ProcessQYGL5S1IRequest, //企业司法涉诉I
+		"QYGLJ0Q1": qygl.ProcessQYGLJ0Q1Request, //企业股权结构全景查询
+		"QYGLUY3S": qygl.ProcessQYGLUY3SRequest, //企业经营状态全景查询
+		"YYSY35TA": yysy.ProcessYYSY35TARequest, //运营商归属地数卖
 
 		// YYSY系列处理器
 		"YYSYD50F": yysy.ProcessYYSYD50FRequest,
@@ -248,6 +253,8 @@ func registerAllProcessors(combService *comb.CombService) {
 		"IVYZN2P8": ivyz.ProcessIVYZN2P8Request, //身份证实名认证政务版
 		"IVYZX5QZ": ivyz.ProcessIVYZX5QZRequest, //活体检测
 		"IVYZX5Q2": ivyz.ProcessIVYZX5Q2Request, //活体识别步骤二
+		"IVYZOCR1": ivyz.ProcessIVYZOCR1Request, //身份证OCR
+		"IVYZOCR2": ivyz.ProcessIVYZOCR2Request, //身份证OCR2数卖
 
 		// COMB系列处理器 - 只注册有自定义逻辑的组合包
 		"COMB86PM": comb.ProcessCOMB86PMRequest, // 有自定义逻辑：重命名ApiCode

internal/domains/api/services/form_config_service.go

@@ -255,6 +255,13 @@ func (s *FormConfigServiceImpl) getDTOStruct(ctx context.Context, apiCode string
 		"YYSYK9R4": &dto.YYSYK9R4Req{}, //全网手机三要素验证1979周更新版
 		"QCXG3M7Z": &dto.QCXG3M7ZReq{}, //人车关系核验（ETC）10093 月更
 		"JRZQ1P5G": &dto.JRZQ1P5GReq{}, //全国自然人借贷压力指数查询（2）
+		"IVYZOCR1": &dto.IVYZOCR1Req{}, //身份证OCR
+		"IVYZOCR2": &dto.IVYZOCR1Req{}, //身份证OCR2数卖
+		"QYGLJ0Q1": &dto.QYGLJ0Q1Req{}, //企业股权结构全景查询
+		"QYGLUY3S": &dto.QYGLUY3SReq{}, //企业全量信息核验V2 可用
+		"JRZQOCRE": &dto.JRZQOCREReq{}, //银行卡OCR数卖
+		"JRZQOCRY": &dto.JRZQOCRYReq{}, //银行卡OCR数据宝
+		"YYSY35TA": &dto.YYSY35TAReq{}, //运营商归属地数卖
 	}
 
 	// 优先返回已配置的DTO
@@ -438,6 +445,7 @@ func (s *FormConfigServiceImpl) generateFieldLabel(jsonTag string) string {
 		"ent_name":                 "企业名称",
 		"legal_person":             "法人姓名",
 		"ent_code":                 "企业代码",
+		"ent_reg_no":               "企业注册号",
 		"auth_date":                "授权日期",
 		"date_range":               "日期范围",
 		"time_range":               "时间范围",
@@ -459,7 +467,7 @@ func (s *FormConfigServiceImpl) generateFieldLabel(jsonTag string) string {
 		"plate_type":               "号牌类型",
 		"vin_code":                 "车辆识别代号VIN码",
 		"return_type":              "返回类型",
-		"photo_data":               "人脸图片",
+		"photo_data":               "入参图片base64编码",
 		"owner_type":               "企业主类型",
 		"type":                     "查询类型",
 		"query_reason_id":          "查询原因ID",
@@ -471,7 +479,7 @@ func (s *FormConfigServiceImpl) generateFieldLabel(jsonTag string) string {
 		"notice_model":             "车辆型号",
 		"vlphoto_data":             "行驶证图片",
 		"carplate_type":            "车辆号牌类型",
-		"image_url":                "行驶证图片地址",
+		"image_url":                "入参图片地址",
 		"reg_url":                  "车辆登记证图片地址",
 		"token":                    "token采集及获取结果时所使用的凭证，有效期2个小时，在此时效内，应用侧可以发起采集请求（重复的采集所触发的结果会被忽略）和结果查询",
 		"vehicle_name":             "车型名称",
@@ -500,6 +508,7 @@ func (s *FormConfigServiceImpl) generateExampleValue(fieldType reflect.Type, jso
 		"ent_name":                 "示例企业有限公司",
 		"legal_person":             "王五",
 		"ent_code":                 "91110000123456789X",
+		"ent_reg_no":               "110000000123456",
 		"auth_date":                "20240101-20241231",
 		"date_range":               "20240101-20241231",
 		"time_range":               "09:00-18:00",
@@ -571,6 +580,7 @@ func (s *FormConfigServiceImpl) generatePlaceholder(jsonTag string, fieldType st
 		"ent_name":                 "请输入企业全称",
 		"legal_person":             "请输入法人真实姓名",
 		"ent_code":                 "请输入统一社会信用代码",
+		"ent_reg_no":               "请输入企业注册号（统一社会信用代码）",
 		"auth_date":                "请输入授权日期范围（YYYYMMDD-YYYYMMDD）",
 		"date_range":               "请输入日期范围（YYYYMMDD-YYYYMMDD）",
 		"time_range":               "请输入时间范围（HH:MM-HH:MM）",
@@ -592,7 +602,7 @@ func (s *FormConfigServiceImpl) generatePlaceholder(jsonTag string, fieldType st
 		"plate_type":               "请选择号牌类型（01或02）",
 		"vin_code":                 "请输入17位车辆识别代号VIN码",
 		"return_type":              "请选择返回类型",
-		"photo_data":               "请输入base64编码的人脸图片（支持JPG、BMP、PNG格式）",
+		"photo_data":               "请输入base64编码的入参图片（支持JPG、BMP、PNG格式）",
 		"ownerType":                "请选择企业主类型",
 		"type":                     "请选择查询类型",
 		"query_reason_id":          "请选择查询原因ID",
@@ -644,6 +654,7 @@ func (s *FormConfigServiceImpl) generateDescription(jsonTag string, validation s
 		"ent_name":                 "请输入企业全称",
 		"legal_person":             "请输入法人真实姓名",
 		"ent_code":                 "请输入统一社会信用代码",
+		"ent_reg_no":               "请输入企业注册号（统一社会信用代码）",
 		"auth_date":                "请输入授权日期范围，格式：YYYYMMDD-YYYYMMDD，且日期范围必须包括今天",
 		"date_range":               "请输入日期范围，格式：YYYYMMDD-YYYYMMDD",
 		"time_range":               "请输入时间范围，格式：HH:MM-HH:MM",
@@ -665,7 +676,7 @@ func (s *FormConfigServiceImpl) generateDescription(jsonTag string, validation s
 		"plate_type":               "号牌类型：01-小型汽车；02-大型汽车（可选）",
 		"vin_code":                 "请输入17位车辆识别代号VIN码（Vehicle Identification Number）",
 		"return_type":              "返回类型：1-专业和学校名称数据返回编码形式（默认）；2-专业和学校名称数据返回中文名称",
-		"photo_data":               "人脸图片（必填）：base64编码的图片数据，仅支持JPG、BMP、PNG三种格式",
+		"photo_data":               "入参图片：base64编码的图片数据，仅支持JPG、BMP、PNG三种格式",
 		"owner_type":               "企业主类型编码：1-法定代表人；2-主要人员；3-自然人股东；4-法定代表人及自然人股东；5-其他",
 		"type":                     "查询类型：per-人员，ent-企业  ",
 		"query_reason_id":          "查询原因ID：1-授信审批；2-贷中管理；3-贷后管理；4-异议处理；5-担保查询；6-租赁资质审查；7-融资租赁审批；8-借贷撮合查询；9-保险审批；10-资质审核；11-风控审核；12-企业背调",
@@ -677,7 +688,7 @@ func (s *FormConfigServiceImpl) generateDescription(jsonTag string, validation s
 		"notice_model":             "车辆型号",
 		"vlphoto_data":             "行驶证图片:base64编码的图片数据，仅支持JPG、BMP、PNG三种格式",
 		"carplate_type":            "车辆号牌类型：01-大型汽车；02-小型汽车；03-使馆汽车；04-领馆汽车；05-境外汽车；06-外籍汽车；07-普通摩托车；08-轻便摩托车；09-使馆摩托车；10-领馆摩托车；11-境外摩托车；12-外籍摩托车；13-低速车；14-拖拉机；15-挂车；16-教练汽车；17-教练摩托车；20-临时入境汽车；21-临时入境摩托车；22-临时行驶车；23-警用汽车；24-警用摩托；51-新能源大型车；52-新能源小型车",
-		"image_url":                "行驶证图片地址（必填）：请提供行驶证的图片URL地址",
+		"image_url":                "入参图片url地址",
 		"reg_url":                  "车辆登记证图片地址（非必填）：请提供车辆登记证的图片URL地址",
 		"token":                    "token采集及获取结果时所使用的凭证，有效期2个小时，在此时效内，应用侧可以发起采集请求（重复的采集所触发的结果会被忽略）和结果查询",
 		"vehicle_name":             "车型名称，示例：凌派 2020款 锐·混动 1.5L 锐·舒适版",

internal/domains/api/services/processors/dwbg/dwbg8b4d_processor.go

@@ -109,7 +109,7 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
 		{
 			apiCode: "FLXG8B4D",
 			params: map[string]interface{}{
-				"mobile_no": params.MobileNo,
+				"mobile_no":  params.MobileNo,
 				"authorized": "1",
 			},
 		},
@@ -117,9 +117,9 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
 		{
 			apiCode: "JRZQ8A2D",
 			params: map[string]interface{}{
-				"mobile_no": params.MobileNo,
-				"id_card":   params.IDCard,
-				"name":      params.Name,
+				"mobile_no":  params.MobileNo,
+				"id_card":    params.IDCard,
+				"name":       params.Name,
 				"authorized": "1",
 			},
 		},
@@ -127,9 +127,9 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
 		{
 			apiCode: "JRZQ1D09",
 			params: map[string]interface{}{
-				"mobile_no": params.MobileNo,
-				"id_card":   params.IDCard,
-				"name":      params.Name,
+				"mobile_no":  params.MobileNo,
+				"id_card":    params.IDCard,
+				"name":       params.Name,
 				"authorized": "1",
 			},
 		},
@@ -155,9 +155,9 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
 		{
 			apiCode: "JRZQ5E9F",
 			params: map[string]interface{}{
-				"mobile_no": params.MobileNo,
-				"id_card":   params.IDCard,
-				"name":      params.Name,
+				"mobile_no":  params.MobileNo,
+				"id_card":    params.IDCard,
+				"name":       params.Name,
 				"authorized": "1",
 			},
 		},
@@ -165,8 +165,8 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
 		{
 			apiCode: "FLXGDEA9",
 			params: map[string]interface{}{
-				"id_card":   params.IDCard,
-				"name":      params.Name,
+				"id_card":    params.IDCard,
+				"name":       params.Name,
 				"authorized": "1",
 			},
 		},
@@ -211,7 +211,7 @@ func collectAPIData(ctx context.Context, params dto.DWBG8B4DReq, deps *processor
 			}()
 
 			paramsBytes, err := json.Marshal(ac.params)
-	if err != nil {
+			if err != nil {
 				log.Warn("序列化API参数失败",
 					zap.String("api_code", ac.apiCode),
 					zap.Error(err),
@@ -266,7 +266,7 @@ func callProcessor(ctx context.Context, apiCode string, params []byte, deps *pro
 			return nil, fmt.Errorf("未找到处理器: %s", apiCode)
 		}
 		respBytes, err := processor(ctx, params, deps)
-	if err != nil {
+		if err != nil {
 			return nil, err
 		}
 		var data interface{}
@@ -387,7 +387,7 @@ func buildBaseInfo(apiData map[string]interface{}, params dto.DWBG8B4DReq, log *
 			// 从运营商三要素获取户籍所在地（address字段）
 			if address, ok := yysyMap["address"].(string); ok && address != "" {
 				baseInfo["location"] = address
-		} else {
+			} else {
 				// 如果address不存在，尝试从身份证号获取
 				if location := getLocationFromIDCard(params.IDCard); location != "" {
 					baseInfo["location"] = location
@@ -1152,21 +1152,21 @@ func buildRiskWarning(apiData map[string]interface{}, log *zap.Logger) map[strin
 	// 计算总风险点数量（排除Counts字段和level字段）
 	totalRiskCounts := 0
 	excludeFields := map[string]bool{
-		"totalRiskCounts":           true,
+		"totalRiskCounts":            true,
 		"level":                      true,
-		"sfhyfxRiskCounts":          true,
-		"sfhyfxRiskHighCounts":      true,
-		"sfhyfxRiskMiddleCounts":    true,
-		"gazdyrhyRiskCounts":        true,
+		"sfhyfxRiskCounts":           true,
+		"sfhyfxRiskHighCounts":       true,
+		"sfhyfxRiskMiddleCounts":     true,
+		"gazdyrhyRiskCounts":         true,
 		"gazdyrhyRiskHighCounts":     true,
 		"gazdyrhyRiskMiddleCounts":   true,
-		"yqfxRiskCounts":            true,
-		"yqfxRiskHighCounts":        true,
-		"yqfxRiskMiddleCounts":      true,
-		"zlfxpgRiskCounts":          true,
-		"zlfxpgRiskHighCounts":      true,
-		"zlfxpgRiskMiddleCounts":    true,
-		"jdpgRiskCounts":            true,
+		"yqfxRiskCounts":             true,
+		"yqfxRiskHighCounts":         true,
+		"yqfxRiskMiddleCounts":       true,
+		"zlfxpgRiskCounts":           true,
+		"zlfxpgRiskHighCounts":       true,
+		"zlfxpgRiskMiddleCounts":     true,
+		"jdpgRiskCounts":             true,
 		"jdpgRiskHighCounts":         true,
 		"jdpgRiskMiddleCounts":       true,
 		"idCardRiskCounts":           true,
@@ -1524,7 +1524,7 @@ func buildElementVerificationDetail(apiData map[string]interface{}, log *zap.Log
 	}
 	detail["belongRisks"] = belongRisks
 
-	// 公安重点人员核验产品（highRiskFlag 和 keyPersonCheckList）
+	// 公安重点人员核验产品（highRiskFlag 由 keyPersonCheckList 五项是否命中决定）
 	flxgdea9Data := getMapValue(apiData, "FLXGDEA9")
 	keyPersonCheckList := make(map[string]interface{})
 	keyPersonCheckList["num"] = "1"
@@ -1538,7 +1538,6 @@ func buildElementVerificationDetail(apiData map[string]interface{}, log *zap.Log
 		if flxgdea9Map, ok := flxgdea9Data.(map[string]interface{}); ok {
 			level, ok := flxgdea9Map["level"].(string)
 			if !ok {
-				// 尝试从其他可能的字段获取
 				if levelVal, exists := flxgdea9Map["level"]; exists {
 					if levelStr, ok := levelVal.(string); ok {
 						level = levelStr
@@ -1548,19 +1547,14 @@ func buildElementVerificationDetail(apiData map[string]interface{}, log *zap.Log
 				}
 			}
 
+			// 仅根据 level 解析并填充 keyPersonCheckList 五项
 			if level != "" && level != "0" {
-				// 有风险，设置highRiskFlag为1（高风险）
-				detail["highRiskFlag"] = 1
-
-				// 解析level字段，填充keyPersonCheckList
 				levelParts := strings.Split(level, ",")
 				for _, part := range levelParts {
 					part = strings.TrimSpace(part)
 					if part == "" || part == "0" {
 						continue
 					}
-
-					// 根据level代码判断风险类型
 					if strings.HasPrefix(part, "A") {
 						keyPersonCheckList["fontFlag"] = 1
 					}
@@ -1577,14 +1571,27 @@ func buildElementVerificationDetail(apiData map[string]interface{}, log *zap.Log
 						keyPersonCheckList["sheJiaoTongFlag"] = 1
 					}
 				}
-			} else {
-				// 无风险，设置highRiskFlag为2（低风险）
-				detail["highRiskFlag"] = 2
 			}
+
 		}
 	}
 	detail["keyPersonCheckList"] = keyPersonCheckList
 
+	// 仅根据 keyPersonCheckList 五项判定 highRiskFlag（不看是否有数据）：
+	// 五项均未命中 → 0 无风险；仅 sheJiaoTongFlag 命中 → 2 低风险；其他任一项命中 → 1 高风险
+	otherHit := keyPersonFlagEq1(keyPersonCheckList, "fontFlag") ||
+		keyPersonFlagEq1(keyPersonCheckList, "jingJiFontFlag") ||
+		keyPersonFlagEq1(keyPersonCheckList, "fangAiFlag") ||
+		keyPersonFlagEq1(keyPersonCheckList, "zhongDianFlag")
+	sheJiaoHit := keyPersonFlagEq1(keyPersonCheckList, "sheJiaoTongFlag")
+	if otherHit {
+		detail["highRiskFlag"] = 1 // 高风险
+	} else if sheJiaoHit {
+		detail["highRiskFlag"] = 2 // 低风险：仅涉交通命中
+	} else {
+		detail["highRiskFlag"] = 0 // 无风险：五项均未命中
+	}
+
 	// 设置默认值
 	if _, exists := detail["sjsysFlag"]; !exists {
 		detail["sjsysFlag"] = 0
@@ -1894,10 +1901,10 @@ func buildOverdueRiskProduct(apiData map[string]interface{}, log *zap.Logger) ma
 				overdueRiskProduct["overdueLast30Days"] == "逾期"
 
 			if hasOverdue || hasRecentOverdue {
-				overdueRiskProduct["lyjlhyFlag"] = 1 // 高风险
+				overdueRiskProduct["lyjlhyFlag"] = 1  // 高风险
 				overdueRiskProduct["dkzhktjFlag"] = 1 // 高风险
 			} else {
-				overdueRiskProduct["lyjlhyFlag"] = 2 // 低风险
+				overdueRiskProduct["lyjlhyFlag"] = 2  // 低风险
 				overdueRiskProduct["dkzhktjFlag"] = 2 // 低风险
 			}
 		}
@@ -2912,11 +2919,11 @@ func buildOrganLoanPerformances(variableValue map[string]interface{}) []interfac
 
 	// 时间周期映射
 	periodMap := map[string]string{
-		"last7Day":   "d7",
-		"last15Day":  "d15",
-		"last1Month": "m1",
-		"last3Month": "m3",
-		"last6Month": "m6",
+		"last7Day":    "d7",
+		"last15Day":   "d15",
+		"last1Month":  "m1",
+		"last3Month":  "m3",
+		"last6Month":  "m6",
 		"last12Month": "m12",
 	}
 
@@ -2976,11 +2983,11 @@ func buildCustomerLoanPerformances(variableValue map[string]interface{}) []inter
 	}
 
 	periodMap := map[string]string{
-		"last7Day":   "d7",
-		"last15Day":  "d15",
-		"last1Month": "m1",
-		"last3Month": "m3",
-		"last6Month": "m6",
+		"last7Day":    "d7",
+		"last15Day":   "d15",
+		"last1Month":  "m1",
+		"last3Month":  "m3",
+		"last6Month":  "m6",
 		"last12Month": "m12",
 	}
 
@@ -3036,11 +3043,11 @@ func buildBusinessLoanPerformances(variableValue map[string]interface{}) []inter
 	}
 
 	periodMap := map[string]string{
-		"last7Day":   "d7",
-		"last15Day":  "d15",
-		"last1Month": "m1",
-		"last3Month": "m3",
-		"last6Month": "m6",
+		"last7Day":    "d7",
+		"last15Day":   "d15",
+		"last1Month":  "m1",
+		"last3Month":  "m3",
+		"last6Month":  "m6",
 		"last12Month": "m12",
 	}
 
@@ -3095,11 +3102,11 @@ func buildTimeLoanPerformances(variableValue map[string]interface{}) []interface
 	}
 
 	periodMap := map[string]string{
-		"last7Day":   "d7",
-		"last15Day":  "d15",
-		"last1Month": "m1",
-		"last3Month": "m3",
-		"last6Month": "m6",
+		"last7Day":    "d7",
+		"last15Day":   "d15",
+		"last1Month":  "m1",
+		"last3Month":  "m3",
+		"last6Month":  "m6",
 		"last12Month": "m12",
 	}
 
@@ -3775,12 +3782,12 @@ func buildLeasingRiskAssessment(apiData map[string]interface{}, log *zap.Logger)
 
 			// 时间周期映射：3Days->d3, 7Days->d7, 14Days->d14, Month->m1, 3Months->m3, 6Months->m6, 12Months->m12
 			periodMap := map[string]string{
-				"3Days":   "d3",
-				"7Days":   "d7",
-				"14Days":  "d14",
-				"Month":   "m1",
-				"3Months": "m3",
-				"6Months": "m6",
+				"3Days":    "d3",
+				"7Days":    "d7",
+				"14Days":   "d14",
+				"Month":    "m1",
+				"3Months":  "m3",
+				"6Months":  "m6",
 				"12Months": "m12",
 			}
 
@@ -3862,29 +3869,32 @@ func buildLeasingRiskAssessment(apiData map[string]interface{}, log *zap.Logger)
 				assessment[fieldNameNight] = fmt.Sprintf("%s/%s", idNightAllnum, cellNightAllnum)
 			}
 
-			// 仅使用近12月（Last12，对应 m12）的总次数作为判断依据，
-			// 因为近3月等短周期已经被近12月统计包含，避免重复放大
+			// 仅使用近12月（Last12，对应 m12）的次数作为判断依据，
+			// totalCount 取身份证维度和手机号维度中的较大值，而不是两者相加
 			totalCount := 0
 
 			idKey12 := "alc_m12_id_allnum"
 			cellKey12 := "alc_m12_cell_allnum"
 
+			idCount := 0
+			cellCount := 0
+
 			// 身份证维度（近12月）
 			if v, ok := jrzq1d09Map[idKey12]; ok {
 				switch vv := v.(type) {
 				case string:
 					if vv != "" && vv != "0" {
 						if parsed, err := strconv.Atoi(vv); err == nil {
-							totalCount += parsed
+							idCount = parsed
 						}
 					}
 				case float64:
 					if vv > 0 {
-						totalCount += int(vv)
+						idCount = int(vv)
 					}
 				case int:
 					if vv > 0 {
-						totalCount += vv
+						idCount = vv
 					}
 				}
 			}
@@ -3895,20 +3905,27 @@ func buildLeasingRiskAssessment(apiData map[string]interface{}, log *zap.Logger)
 				case string:
 					if vv != "" && vv != "0" {
 						if parsed, err := strconv.Atoi(vv); err == nil {
-							totalCount += parsed
+							cellCount = parsed
 						}
 					}
 				case float64:
 					if vv > 0 {
-						totalCount += int(vv)
+						cellCount = int(vv)
 					}
 				case int:
 					if vv > 0 {
-						totalCount += vv
+						cellCount = vv
 					}
 				}
 			}
 
+			// 使用身份证和手机号两个维度中的较大值作为近12月总次数
+			if idCount >= cellCount {
+				totalCount = idCount
+			} else {
+				totalCount = cellCount
+			}
+
 			// 根据近12月总申请次数设置风险标识：
 			// - totalCount == 0        -> 0 无风险 / 未查得
 			// - 0 < totalCount <= 10   -> 2 低风险（有少量租赁申请）
@@ -3935,6 +3952,22 @@ func getMapValue(data map[string]interface{}, key string) interface{} {
 	return nil
 }
 
+// keyPersonFlagEq1 判断 keyPersonCheckList 中某标识是否为 1（支持 int/float64）
+func keyPersonFlagEq1(m map[string]interface{}, key string) bool {
+	v, ok := m[key]
+	if !ok {
+		return false
+	}
+	switch vv := v.(type) {
+	case int:
+		return vv == 1
+	case float64:
+		return vv == 1
+	default:
+		return false
+	}
+}
+
 func maskName(name string) string {
 	if name == "" {
 		return ""
@@ -3978,8 +4011,10 @@ func calculateAgeAndSex(idCard string) (int, string) {
 		return 0, ""
 	}
 
+	now := time.Now()
+
 	// 计算年龄（简化处理，使用当前年份）
-	age := 2024 - year
+	age := now.Year() - year
 
 	// 提取性别（第17位，奇数为男，偶数为女）
 	sexCode := idCard[16:17]
@@ -4137,7 +4172,7 @@ func extractProvinceFromAddress(address string) string {
 		// 处理"XX省"格式（最后处理，因为可能与其他模式冲突）
 		{"省", func(addr string) string {
 			if idx := strings.Index(addr, "省"); idx > 0 {
-				return addr[:idx+1]
+				return addr[:idx+len("省")]
 			}
 			return ""
 		}},
@@ -4472,7 +4507,7 @@ func getCreditScore(apiData map[string]interface{}) int {
 			return 900
 		}
 		parsed, err := strconv.ParseFloat(v, 64)
-	if err != nil {
+		if err != nil {
 			// 解析失败，返回900（默认信用较好）
 			return 900
 		}

internal/domains/api/services/processors/ivyz/ivyzocr1_processor.go

@@ -0,0 +1,48 @@
+package ivyz
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+
+	"tyapi-server/internal/domains/api/dto"
+	"tyapi-server/internal/domains/api/services/processors"
+	"tyapi-server/internal/infrastructure/external/shujubao"
+)
+
+// ProcessIVYZOCR1Request IVYZOCR1 身份证OCR API 处理方法（使用数据宝服务示例）
+func ProcessIVYZOCR1Request(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
+	var paramsDto dto.IVYZOCR1Req
+	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)
+	}
+
+	// 构建数据宝入参：姓名、身份证、手机号、银行卡号（sign 外的业务参数可按需 AES 加密后作为 bodyData）
+	reqParams := map[string]interface{}{
+		"key":     "8782f2a32463f75b53096323461df735",
+		"imageId": paramsDto.PhotoData,
+	}
+
+	// 最终请求 URL = https://api.chinadatapay.com/communication + 拼接接口地址值，如 personal/197
+	apiPath := "/trade/user/1985"
+	data, err := deps.ShujubaoService.CallAPI(ctx, apiPath, reqParams)
+	if err != nil {
+		if errors.Is(err, shujubao.ErrDatasource) {
+			return nil, errors.Join(processors.ErrDatasource, err)
+		}
+		if errors.Is(err, shujubao.ErrQueryEmpty) {
+			return nil, errors.Join(processors.ErrNotFound, err)
+		}
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	respBytes, err := json.Marshal(data)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+	return respBytes, nil
+}

internal/domains/api/services/processors/ivyz/ivyzocr2_processor.go

@@ -0,0 +1,56 @@
+package ivyz
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+
+	"tyapi-server/internal/domains/api/dto"
+	"tyapi-server/internal/domains/api/services/processors"
+	"tyapi-server/internal/infrastructure/external/shumai"
+)
+
+// ProcessIVYZOCR2Request IVYZOCR2  OCR识别API处理方法数卖
+func ProcessIVYZOCR2Request(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
+	var paramsDto dto.IVYZOCR1Req
+	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)
+	}
+
+	if paramsDto.PhotoData == "" && paramsDto.ImageUrl == "" {
+		return nil, errors.Join(processors.ErrInvalidParam, errors.New("photo_data or image_url is required"))
+	}
+
+	// 2选1：有值的用对应 key，空则用另一个
+	reqFormData := make(map[string]interface{})
+	if paramsDto.PhotoData != "" {
+		reqFormData["image"] = paramsDto.PhotoData
+	} else {
+		reqFormData["url"] = paramsDto.ImageUrl
+	}
+
+	// 以表单方式调用数脉 API；参数在 CallAPIForm 内转为 application/x-www-form-urlencoded
+	apiPath := "/v4/idcard/ocr" // 接口路径，根据数脉文档填写（如 v4/xxx）
+	respBytes, err := deps.ShumaiService.CallAPIForm(ctx, apiPath, reqFormData)
+	if err != nil {
+		if errors.Is(err, shumai.ErrNotFound) {
+			// 查无记录情况
+			return nil, errors.Join(processors.ErrNotFound, err)
+		} else if errors.Is(err, shumai.ErrDatasource) {
+			// 数据源错误
+			return nil, errors.Join(processors.ErrDatasource, err)
+		} else if errors.Is(err, shumai.ErrSystem) {
+			// 系统错误
+			return nil, errors.Join(processors.ErrSystem, err)
+		} else {
+			// 其他未知错误
+			return nil, errors.Join(processors.ErrSystem, err)
+		}
+	}
+
+	return respBytes, nil
+}

internal/domains/api/services/processors/jrzq/jrzqocre_processor.go

@@ -0,0 +1,52 @@
+package jrzq
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+
+	"tyapi-server/internal/domains/api/dto"
+	"tyapi-server/internal/domains/api/services/processors"
+	"tyapi-server/internal/infrastructure/external/shumai"
+)
+
+// ProcessJRZQOCREERequest JRZQOCRE 银行卡OCR API 数卖服务示例
+func ProcessJRZQOCREERequest(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
+	var paramsDto dto.JRZQOCREReq
+	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)
+	}
+
+	if paramsDto.PhotoData == "" && paramsDto.ImageUrl == "" {
+		return nil, errors.Join(processors.ErrInvalidParam, errors.New("photo_data or image_url is required"))
+	}
+
+	// 2选1：有值的用对应 key，空则用另一个
+	reqFormData := make(map[string]interface{})
+	if paramsDto.PhotoData != "" {
+		reqFormData["image"] = paramsDto.PhotoData
+	} else {
+		reqFormData["url"] = paramsDto.ImageUrl
+	}
+	// 以表单方式调用数脉 API；参数在 CallAPIForm 内转为 application/x-www-form-urlencoded
+	apiPath := "/v2/bankcard/ocr" // 接口路径，根据数脉文档填写（如 v4/xxx）
+	respBytes, err := deps.ShumaiService.CallAPIForm(ctx, apiPath, reqFormData)
+	if err != nil {
+		if errors.Is(err, shumai.ErrDatasource) {
+			// 数据源错误
+			return nil, errors.Join(processors.ErrDatasource, err)
+		} else if errors.Is(err, shumai.ErrSystem) {
+			// 系统错误
+			return nil, errors.Join(processors.ErrSystem, err)
+		} else {
+			// 其他未知错误
+			return nil, errors.Join(processors.ErrSystem, err)
+		}
+	}
+
+	return respBytes, nil
+}

internal/domains/api/services/processors/jrzq/jrzqocry_processor.go

@@ -0,0 +1,48 @@
+package jrzq
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+
+	"tyapi-server/internal/domains/api/dto"
+	"tyapi-server/internal/domains/api/services/processors"
+	"tyapi-server/internal/infrastructure/external/shujubao"
+)
+
+// ProcessJRZQOCRYERequest JRZQOCRY 银行卡OCR API 处理方法（使用数据宝服务示例）
+func ProcessJRZQOCRYERequest(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
+	var paramsDto dto.JRZQOCRYReq
+	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)
+	}
+
+	// 构建数据宝入参：姓名、身份证、手机号、银行卡号（sign 外的业务参数可按需 AES 加密后作为 bodyData）
+	reqParams := map[string]interface{}{
+		"key":     "3ee8e7a7a71870db2c0bf98e7e6b8b5c",
+		"imageId": paramsDto.PhotoData,
+	}
+
+	// 最终请求 URL = https://api.chinadatapay.com/communication + 拼接接口地址值，如 personal/197
+	apiPath := "/trade/user/1986"
+	data, err := deps.ShujubaoService.CallAPI(ctx, apiPath, reqParams)
+	if err != nil {
+		if errors.Is(err, shujubao.ErrDatasource) {
+			return nil, errors.Join(processors.ErrDatasource, err)
+		}
+		if errors.Is(err, shujubao.ErrQueryEmpty) {
+			return nil, errors.Join(processors.ErrNotFound, err)
+		}
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	respBytes, err := json.Marshal(data)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+	return respBytes, nil
+}

internal/domains/api/services/processors/qygl/qygl5s1i_processor.go

@@ -21,20 +21,23 @@ func ProcessQYGL5S1IRequest(ctx context.Context, params []byte, deps *processors
 	if err := deps.Validator.ValidateStruct(paramsDto); err != nil {
 		return nil, errors.Join(processors.ErrInvalidParam, err)
 	}
-	if paramsDto.EntCode == "" && paramsDto.EntName == "" {
-		return nil, errors.Join(processors.ErrInvalidParam, errors.New("必须提供企业统一信用代码或企业名称中的一个"))
+
+	encryptedEntName, err := deps.ZhichaService.Encrypt(paramsDto.EntName)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+	encryptedEntCode, err := deps.ZhichaService.Encrypt(paramsDto.EntCode)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
 	}
 
-	// 优先使用企业名称，否则使用统一信用代码
-	var enterpriseNo, enterpriseName string
+	// 按企业名称时传 enterpriseNo（加密名），按统一信用代码时传 enterpriseName（加密代码）
+	reqData := map[string]interface{}{}
 	if paramsDto.EntName != "" {
-		enterpriseName = paramsDto.EntName
-	} else {
-		enterpriseNo = paramsDto.EntCode
+		reqData["enterpriseName"] = encryptedEntName
 	}
-	reqData := map[string]interface{}{
-		"enterpriseNo":   enterpriseNo,
-		"enterpriseName": enterpriseName,
+	if paramsDto.EntCode != "" {
+		reqData["enterpriseNo"] = encryptedEntCode
 	}
 
 	respData, err := deps.ZhichaService.CallAPI(ctx, "ZCI088", reqData)

internal/domains/api/services/processors/qygl/qyglj0q1_processor.go

@@ -0,0 +1,65 @@
+package qygl
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+
+	"tyapi-server/internal/domains/api/dto"
+	"tyapi-server/internal/domains/api/services/processors"
+	"tyapi-server/internal/infrastructure/external/shujubao"
+)
+
+// ProcessQYGLJ0Q1Request QYGLJ0Q1 企业股权结构全景查询 API 处理方法（使用数据宝服务示例）
+func ProcessQYGLJ0Q1Request(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
+	var paramsDto dto.QYGLJ0Q1Req
+	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)
+	}
+
+	// 二选一：企业名称(entName) 与 统一社会信用代码(creditCode) 必须且仅能传其一
+	hasEntName := paramsDto.EntName != ""
+	hasEntCode := paramsDto.EntCode != ""
+	if hasEntName == hasEntCode { // 两个都填或两个都未填
+		return nil, errors.Join(processors.ErrInvalidParam, errors.New("ent_name 与 ent_code 二选一，必须且仅能传其中一个"))
+	}
+
+	// 构建数据宝入参（sign 外的业务参数可按需 AES 加密后作为 bodyData）
+	reqParams := map[string]interface{}{
+		"key": "adac456f7b4ced764b606c8b07fed4d3",
+	}
+	if hasEntName {
+		reqParams["entName"] = paramsDto.EntName
+	} else {
+		reqParams["creditCode"] = paramsDto.EntCode
+	}
+
+	// 最终请求 URL = https://api.chinadatapay.com/communication + 拼接接口地址值，如 personal/197
+	apiPath := "/communication/personal/10216"
+	data, err := deps.ShujubaoService.CallAPI(ctx, apiPath, reqParams)
+	if err != nil {
+		if errors.Is(err, shujubao.ErrDatasource) {
+			return nil, errors.Join(processors.ErrDatasource, err)
+		}
+		if errors.Is(err, shujubao.ErrQueryEmpty) {
+			return nil, errors.Join(processors.ErrNotFound, err)
+		}
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	// 解析响应中的 JSON 字符串（使用 qyglb4c0 中的 RecursiveParse）
+	parsedResp, err := RecursiveParse(data)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	respBytes, err := json.Marshal(parsedResp)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+	return respBytes, nil
+}

internal/domains/api/services/processors/qygl/qygluy3s_processor.go

@@ -0,0 +1,56 @@
+package qygl
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+
+	"tyapi-server/internal/domains/api/dto"
+	"tyapi-server/internal/domains/api/services/processors"
+	"tyapi-server/internal/infrastructure/external/shujubao"
+)
+
+// ProcessQYGLUY3SRequest QYGLUY3S 企业全量信息核验V2 可用 API 处理方法（使用数据宝服务示例）
+func ProcessQYGLUY3SRequest(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
+	var paramsDto dto.QYGLUY3SReq
+	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)
+	}
+
+	// 构建数据宝入参：姓名、身份证、手机号、银行卡号（sign 外的业务参数可按需 AES 加密后作为 bodyData）
+	reqParams := map[string]interface{}{
+		"key":        "5131227a847c06c111f624a22ebacc06",
+		"entName":    paramsDto.EntName,
+		"regno":      paramsDto.EntRegno,
+		"creditcode": paramsDto.EntCode,
+	}
+
+	// 最终请求 URL = https://api.chinadatapay.com/communication + 拼接接口地址值，如 personal/197
+	apiPath := "/communication/personal/10195"
+	data, err := deps.ShujubaoService.CallAPI(ctx, apiPath, reqParams)
+	if err != nil {
+		if errors.Is(err, shujubao.ErrDatasource) {
+			return nil, errors.Join(processors.ErrDatasource, err)
+		}
+		if errors.Is(err, shujubao.ErrQueryEmpty) {
+			return nil, errors.Join(processors.ErrNotFound, err)
+		}
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	// 解析响应中的 JSON 字符串（使用 qyglb4c0 中的 RecursiveParse）
+	parsedResp, err := RecursiveParse(data)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+
+	respBytes, err := json.Marshal(parsedResp)
+	if err != nil {
+		return nil, errors.Join(processors.ErrSystem, err)
+	}
+	return respBytes, nil
+}

internal/domains/api/services/processors/yysy/yysy35ta_processor.go

@@ -0,0 +1,48 @@
+package yysy
+
+import (
+	"context"
+	"encoding/json"
+	"errors"
+
+	"tyapi-server/internal/domains/api/dto"
+	"tyapi-server/internal/domains/api/services/processors"
+	"tyapi-server/internal/infrastructure/external/shumai"
+)
+
+// ProcessYYSY35TARequest YYSY35TA  API 运营商归属地数卖处理方法数脉
+func ProcessYYSY35TARequest(ctx context.Context, params []byte, deps *processors.ProcessorDependencies) ([]byte, error) {
+	var paramsDto dto.YYSY35TAReq
+	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)
+	}
+
+	reqFormData := map[string]interface{}{
+		"mobile": paramsDto.MobileNo,
+	}
+
+	// 以表单方式调用数脉 API；参数在 CallAPIForm 内转为 application/x-www-form-urlencoded
+	apiPath := "/v4/phone/number" // 接口路径，根据数脉文档填写（如 v4/xxx）
+	respBytes, err := deps.ShumaiService.CallAPIForm(ctx, apiPath, reqFormData)
+	if err != nil {
+		if errors.Is(err, shumai.ErrNotFound) {
+			// 查无记录情况
+			return nil, errors.Join(processors.ErrNotFound, err)
+		} else if errors.Is(err, shumai.ErrDatasource) {
+			// 数据源错误
+			return nil, errors.Join(processors.ErrDatasource, err)
+		} else if errors.Is(err, shumai.ErrSystem) {
+			// 系统错误
+			return nil, errors.Join(processors.ErrSystem, err)
+		} else {
+			// 其他未知错误
+			return nil, errors.Join(processors.ErrSystem, err)
+		}
+	}
+
+	return respBytes, nil
+}

internal/domains/api/services/processors/yysy/yysy9e4a_processor.go

@@ -39,6 +39,14 @@ func ProcessYYSY9E4ARequest(ctx context.Context, params []byte, deps *processors
 		}
 	}
 
+	// 兼容上游有时返回 JSON 字符串的情况：如果是字符串则尝试再反序列化一次
+	if str, ok := respData.(string); ok && str != "" {
+		var parsed interface{}
+		if err := json.Unmarshal([]byte(str), &parsed); err == nil {
+			respData = parsed
+		}
+	}
+
 	// 将响应数据转换为JSON字节
 	respBytes, err := json.Marshal(respData)
 	if err != nil {

internal/domains/finance/services/recharge_record_service.go

@@ -15,9 +15,9 @@ import (
 	"tyapi-server/internal/shared/interfaces"
 )
 
-// calculateAlipayRechargeBonus 计算支付宝充值赠送金额
+// calculateAlipayRechargeBonus 计算支付宝充值赠送金额（受 recharge_bonus_enabled 开关控制）
 func calculateAlipayRechargeBonus(rechargeAmount decimal.Decimal, walletConfig *config.WalletConfig) decimal.Decimal {
-	if walletConfig == nil || len(walletConfig.AliPayRechargeBonus) == 0 {
+	if walletConfig == nil || !walletConfig.RechargeBonusEnabled || len(walletConfig.AliPayRechargeBonus) == 0 {
 		return decimal.Zero
 	}
 

internal/domains/finance/services/recharge_record_service_test.go

@@ -10,8 +10,9 @@ import (
 )
 
 func TestCalculateAlipayRechargeBonus(t *testing.T) {
-	// 创建测试配置
+	// 创建测试配置（开启赠送）
 	walletConfig := &config.WalletConfig{
+		RechargeBonusEnabled: true,
 		AliPayRechargeBonus: []config.AliPayRechargeBonusRule{
 			{RechargeAmount: 1000.00, BonusAmount: 50.00},   // 充1000送50
 			{RechargeAmount: 5000.00, BonusAmount: 300.00},  // 充5000送300
@@ -74,6 +75,7 @@ func TestCalculateAlipayRechargeBonus(t *testing.T) {
 func TestCalculateAlipayRechargeBonus_EmptyConfig(t *testing.T) {
 	// 测试空配置
 	walletConfig := &config.WalletConfig{
+		RechargeBonusEnabled: true,
 		AliPayRechargeBonus: []config.AliPayRechargeBonusRule{},
 	}
 
@@ -85,4 +87,17 @@ func TestCalculateAlipayRechargeBonus_EmptyConfig(t *testing.T) {
 	assert.True(t, bonus.Equal(decimal.Zero), "nil配置应该返回零赠送金额")
 }
 
+func TestCalculateAlipayRechargeBonus_Disabled(t *testing.T) {
+	// 关闭赠送时，任意金额均不赠送
+	walletConfig := &config.WalletConfig{
+		RechargeBonusEnabled: false,
+		AliPayRechargeBonus: []config.AliPayRechargeBonusRule{
+			{RechargeAmount: 1000.00, BonusAmount: 50.00},
+			{RechargeAmount: 10000.00, BonusAmount: 800.00},
+		},
+	}
+	bonus := calculateAlipayRechargeBonus(decimal.NewFromFloat(10000.00), walletConfig)
+	assert.True(t, bonus.Equal(decimal.Zero), "关闭赠送时应返回零")
+}
+
  

internal/infrastructure/database/repositories/user/gorm_user_repository.go

@@ -20,7 +20,7 @@ import (
 )
 
 const (
-	UsersTable = "users"
+	UsersTable   = "users"
 	UserCacheTTL = 30 * 60 // 30分钟
 )
 

internal/infrastructure/external/shujubao/shujubao_service.go

@@ -17,12 +17,50 @@ import (
 	"tyapi-server/internal/shared/external_logger"
 )
 
+const (
+	// 错误日志中单条入参值的最大长度，避免 base64 等长内容打满日志
+	maxLogParamValueLen = 300
+)
+
 var (
 	ErrDatasource = errors.New("数据源异常")
 	ErrSystem     = errors.New("系统异常")
 	ErrQueryEmpty = errors.New("查询为空")
 )
 
+// truncateForLog 将字符串截断到指定长度，用于错误日志，避免 base64 等过长内容
+func truncateForLog(s string, maxLen int) string {
+	if maxLen <= 0 {
+		return s
+	}
+	if len(s) <= maxLen {
+		return s
+	}
+	return s[:maxLen] + "...[truncated, total " + strconv.Itoa(len(s)) + " chars]"
+}
+
+// paramsForLog 返回适合写入错误日志的入参副本（长字符串会被截断）
+func paramsForLog(params map[string]interface{}) map[string]interface{} {
+	if params == nil {
+		return nil
+	}
+	out := make(map[string]interface{}, len(params))
+	for k, v := range params {
+		if v == nil {
+			out[k] = nil
+			continue
+		}
+		switch val := v.(type) {
+		case string:
+			out[k] = truncateForLog(val, maxLogParamValueLen)
+		default:
+			s := fmt.Sprint(v)
+			out[k] = truncateForLog(s, maxLogParamValueLen)
+		}
+	}
+	return out
+}
+
 // ShujubaoResp 数据宝 API 通用响应（按实际文档调整）
 type ShujubaoResp struct {
 	Code    string      `json:"code"`
@@ -187,7 +225,7 @@ func (s *ShujubaoService) CallAPI(ctx context.Context, apiPath string, params ma
 	if err != nil {
 		err = errors.Join(ErrSystem, err)
 		if s.logger != nil {
-			s.logger.LogError(requestID, transactionID, apiPath, err, params)
+			s.logger.LogError(requestID, transactionID, apiPath, err, paramsForLog(params))
 		}
 		return nil, err
 	}
@@ -216,7 +254,7 @@ func (s *ShujubaoService) CallAPI(ctx context.Context, apiPath string, params ma
 			err = errors.Join(ErrSystem, err)
 		}
 		if s.logger != nil {
-			s.logger.LogError(requestID, transactionID, apiPath, err, params)
+			s.logger.LogError(requestID, transactionID, apiPath, err, paramsForLog(params))
 		}
 		return nil, err
 	}
@@ -226,7 +264,7 @@ func (s *ShujubaoService) CallAPI(ctx context.Context, apiPath string, params ma
 	if err != nil {
 		err = errors.Join(ErrSystem, err)
 		if s.logger != nil {
-			s.logger.LogError(requestID, transactionID, apiPath, err, params)
+			s.logger.LogError(requestID, transactionID, apiPath, err, paramsForLog(params))
 		}
 		return nil, err
 	}
@@ -239,7 +277,7 @@ func (s *ShujubaoService) CallAPI(ctx context.Context, apiPath string, params ma
 	if response.StatusCode != http.StatusOK {
 		err = errors.Join(ErrDatasource, fmt.Errorf("HTTP状态码 %d", response.StatusCode))
 		if s.logger != nil {
-			s.logger.LogError(requestID, transactionID, apiPath, err, params)
+			s.logger.LogError(requestID, transactionID, apiPath, err, paramsForLog(params))
 		}
 		return nil, err
 	}
@@ -248,7 +286,7 @@ func (s *ShujubaoService) CallAPI(ctx context.Context, apiPath string, params ma
 	if err := json.Unmarshal(respBody, &shujubaoResp); err != nil {
 		err = errors.Join(ErrSystem, fmt.Errorf("响应解析失败: %w", err))
 		if s.logger != nil {
-			s.logger.LogError(requestID, transactionID, apiPath, err, params)
+			s.logger.LogError(requestID, transactionID, apiPath, err, paramsForLog(params))
 		}
 		return nil, err
 	}
@@ -261,7 +299,7 @@ func (s *ShujubaoService) CallAPI(ctx context.Context, apiPath string, params ma
 	if code != "10000" {
 		shujubaoErr := NewShujubaoErrorFromCode(code, shujubaoResp.Message)
 		if s.logger != nil {
-			s.logger.LogError(requestID, transactionID, apiPath, shujubaoErr, params)
+			s.logger.LogError(requestID, transactionID, apiPath, shujubaoErr, paramsForLog(params))
 		}
 		return nil, errors.Join(ErrDatasource, shujubaoErr)
 	}

internal/infrastructure/external/shumai/shumai_service.go

@@ -16,12 +16,52 @@ import (
 	"tyapi-server/internal/shared/external_logger"
 )
 
+const (
+	// 错误日志中单条入参值的最大长度，避免 base64 等长内容打满日志
+	maxLogParamValueLen = 300
+	// 错误日志中 response_body 的最大长度
+	maxLogResponseBodyLen = 500
+)
+
 var (
 	ErrDatasource = errors.New("数据源异常")
 	ErrSystem     = errors.New("系统异常")
 	ErrNotFound   = errors.New("查询为空")
 )
 
+// truncateForLog 将字符串截断到指定长度，用于错误日志，避免 base64 等过长内容
+func truncateForLog(s string, maxLen int) string {
+	if maxLen <= 0 {
+		return s
+	}
+	if len(s) <= maxLen {
+		return s
+	}
+	return s[:maxLen] + "...[truncated, total " + strconv.Itoa(len(s)) + " chars]"
+}
+
+// requestParamsForLog 返回适合写入错误日志的入参副本（长字符串会被截断）
+func requestParamsForLog(reqFormData map[string]interface{}) map[string]interface{} {
+	if reqFormData == nil {
+		return nil
+	}
+	out := make(map[string]interface{}, len(reqFormData))
+	for k, v := range reqFormData {
+		if v == nil {
+			out[k] = nil
+			continue
+		}
+		switch val := v.(type) {
+		case string:
+			out[k] = truncateForLog(val, maxLogParamValueLen)
+		default:
+			s := fmt.Sprint(v)
+			out[k] = truncateForLog(s, maxLogParamValueLen)
+		}
+	}
+	return out
+}
+
 // ShumaiResponse 数脉 API 通用响应（占位，按实际文档调整）
 type ShumaiResponse struct {
 	Code    int         `json:"code"` // 状态码
@@ -188,7 +228,7 @@ func (s *ShumaiService) CallAPIForm(ctx context.Context, apiPath string, reqForm
 	if err != nil {
 		err = errors.Join(ErrSystem, err)
 		if s.logger != nil {
-			s.logger.LogError(requestID, transactionID, apiPath, err, map[string]interface{}{"request_params": reqFormData})
+			s.logger.LogError(requestID, transactionID, apiPath, err, map[string]interface{}{"request_params": requestParamsForLog(reqFormData)})
 		}
 		return nil, err
 	}
@@ -216,7 +256,7 @@ func (s *ShumaiService) CallAPIForm(ctx context.Context, apiPath string, reqForm
 			err = errors.Join(ErrSystem, err)
 		}
 		if s.logger != nil {
-			s.logger.LogError(requestID, transactionID, apiPath, err, map[string]interface{}{"request_params": reqFormData})
+			s.logger.LogError(requestID, transactionID, apiPath, err, map[string]interface{}{"request_params": requestParamsForLog(reqFormData)})
 		}
 		return nil, err
 	}
@@ -227,7 +267,7 @@ func (s *ShumaiService) CallAPIForm(ctx context.Context, apiPath string, reqForm
 	if err != nil {
 		err = errors.Join(ErrSystem, err)
 		if s.logger != nil {
-			s.logger.LogError(requestID, transactionID, apiPath, err, map[string]interface{}{"request_params": reqFormData})
+			s.logger.LogError(requestID, transactionID, apiPath, err, map[string]interface{}{"request_params": requestParamsForLog(reqFormData)})
 		}
 		return nil, err
 	}
@@ -236,8 +276,8 @@ func (s *ShumaiService) CallAPIForm(ctx context.Context, apiPath string, reqForm
 		err = errors.Join(ErrDatasource, fmt.Errorf("HTTP %d", resp.StatusCode))
 		if s.logger != nil {
 			errorPayload := map[string]interface{}{
-				"request_params": reqFormData,
-				"response_body":  string(raw),
+				"request_params": requestParamsForLog(reqFormData),
+				"response_body":  truncateForLog(string(raw), maxLogResponseBodyLen),
 			}
 			s.logger.LogError(requestID, transactionID, apiPath, err, errorPayload)
 		}
@@ -253,8 +293,8 @@ func (s *ShumaiService) CallAPIForm(ctx context.Context, apiPath string, reqForm
 		parseErr := errors.Join(ErrSystem, fmt.Errorf("响应解析失败: %w", err))
 		if s.logger != nil {
 			s.logger.LogError(requestID, transactionID, apiPath, parseErr, map[string]interface{}{
-				"request_params": reqFormData,
-				"response_body":  string(raw),
+				"request_params": requestParamsForLog(reqFormData),
+				"response_body":  truncateForLog(string(raw), maxLogResponseBodyLen),
 			})
 		}
 		return nil, parseErr
@@ -273,8 +313,8 @@ func (s *ShumaiService) CallAPIForm(ctx context.Context, apiPath string, reqForm
 		}
 		if s.logger != nil {
 			s.logger.LogError(requestID, transactionID, apiPath, shumaiErr, map[string]interface{}{
-				"request_params": reqFormData,
-				"response_body":  string(raw),
+				"request_params": requestParamsForLog(reqFormData),
+				"response_body":  truncateForLog(string(raw), maxLogResponseBodyLen),
 			})
 		}
 		if shumaiErr.IsNoRecord() {
@@ -292,8 +332,8 @@ func (s *ShumaiService) CallAPIForm(ctx context.Context, apiPath string, reqForm
 		marshalErr := errors.Join(ErrSystem, fmt.Errorf("data 序列化失败: %w", err))
 		if s.logger != nil {
 			s.logger.LogError(requestID, transactionID, apiPath, marshalErr, map[string]interface{}{
-				"request_params": reqFormData,
-				"response_body":  string(raw),
+				"request_params": requestParamsForLog(reqFormData),
+				"response_body":  truncateForLog(string(raw), maxLogResponseBodyLen),
 			})
 		}
 		return nil, marshalErr

internal/infrastructure/external/zhicha/zhicha_service.go

@@ -210,8 +210,13 @@ func (z *ZhichaService) CallAPI(ctx context.Context, proID string, params map[st
 		return nil, ErrDatasource
 	}
 
-	// 201 表示查询为空，返回空对象
+	// 201 表示查询为空，兼容其它情况如果data也为空，则返回空对象
 	if zhichaResp.Code == "201" {
+		// 先做类型断言
+		dataMap, ok := zhichaResp.Data.(map[string]interface{})
+		if ok && len(dataMap) > 0 {
+			return dataMap, nil
+		}
 		return map[string]interface{}{}, nil
 	}
 

internal/infrastructure/external/zhicha/zhicha_test.go

@@ -91,9 +91,9 @@ func TestDecryptWithInvalidData(t *testing.T) {
 		"",               // 空数据
 		"invalid_base64", // 无效的Base64
 		"dGVzdA==",       // 有效的Base64但不是AES加密数据
-		"ZmJIKRQz6j+IboulkSfq0g==",
-		"qBijvRmmm3bbLEdaCMw2XvHc8SDq3oGh6lD6BwELyhU=",
-		"ITtZBkPMZQ88UTHWJuWjSA==",
+		"i96w+SDjwENjuvsokMFbLw==",
+		"oaihmICgEcszWMk0gXoB12E/ygF4g78x0/sC3/KHnBk=",
+		"5bx+WvXvdNRVVOp9UuNFHg==",
 	}
 
 	for _, data := range invalidData {