f

2026-02-06 13:34:49 +08:00
parent 9648fcd1ec
commit dc4fcbf857
12 changed files with 1796 additions and 757 deletions
--- a/app/main/api/etc/main.dev.yaml
+++ b/app/main/api/etc/main.dev.yaml
@@ -20,12 +20,19 @@ VerifyCode:
 Encrypt:
    SecretKey: "ff83609b2b24fc73196aac3d3dfb874f"
 Alipay:
-    AppID: "2021004161631930"
-    PrivateKey: "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"
+    AppID: "2021006121698606"
+    PrivateKey: "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"
    AlipayPublicKey: ""
-    AppCertPath: "etc/merchant/appCertPublicKey_2021004161631930.crt"
+    AppCertPath: "etc/merchant/appCertPublicKey_2021006121698606.crt"
    AlipayCertPath: "etc/merchant/alipayCertPublicKey_RSA2.crt"
    AlipayRootCertPath: "etc/merchant/alipayRootCert.crt"
+
+    AppIDBak: "2021004161631930"
+    PrivateKeyBak: "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"
+    AlipayPublicKeyBak: ""
+    AppCertPathBak: "etc/merchant/bak/appCertPublicKey_2021004161631930.crt"
+    AlipayCertPathBak: "etc/merchant/bak/alipayCertPublicKey_RSA2.crt"
+    AlipayRootCertPathBak: "etc/merchant/bak/alipayRootCert.crt"
    IsProduction: true
    NotifyUrl: "https://www.tianyuancha.cn/api/v1/pay/alipay/callback"
    ReturnURL: "https://www.tianyuancha.cn/payment/result"
@@ -52,7 +59,7 @@ Ali:
    Code: "d55b58829efb41c8aa8e86769cba4844"
 SystemConfig:
    ThreeVerify: false
-    CommissionSafeMode: false  # 佣金安全防御模式：true-冻结模式，false-直接结算模式
+    CommissionSafeMode: false # 佣金安全防御模式：true-冻结模式，false-直接结算模式
 WechatH5:
    AppID: "wxa581992dc74d860e"
    AppSecret: "4de1fbf521712247542d49907fcd5dbf"
--- a/app/main/api/etc/main.yaml
+++ b/app/main/api/etc/main.yaml
@@ -37,6 +37,13 @@ Alipay:
    AppCertPath: "etc/merchant/appCertPublicKey_2021006121698606.crt"
    AlipayCertPath: "etc/merchant/alipayCertPublicKey_RSA2.crt"
    AlipayRootCertPath: "etc/merchant/alipayRootCert.crt"
+
+    AppIDBak: "2021004161631930"
+    PrivateKeyBak: "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"
+    AlipayPublicKeyBak: ""
+    AppCertPathBak: "etc/merchant/bak/appCertPublicKey_2021004161631930.crt"
+    AlipayCertPathBak: "etc/merchant/bak/alipayCertPublicKey_RSA2.crt"
+    AlipayRootCertPathBak: "etc/merchant/bak/alipayRootCert.crt"
    IsProduction: true
    NotifyUrl: "https://www.tianyuancha.cn/api/v1/pay/alipay/callback"
    ReturnURL: "https://www.tianyuancha.cn/payment/result"
@@ -63,7 +70,7 @@ Ali:
    Code: "d55b58829efb41c8aa8e86769cba4844"
 SystemConfig:
    ThreeVerify: true
-    CommissionSafeMode: false  # 佣金安全防御模式：true-冻结模式，false-直接结算模式
+    CommissionSafeMode: false # 佣金安全防御模式：true-冻结模式，false-直接结算模式
 WechatH5:
    AppID: "wxa581992dc74d860e"
    AppSecret: "4de1fbf521712247542d49907fcd5dbf"
--- a/app/main/api/internal/config/config.go
+++ b/app/main/api/internal/config/config.go
@@ -53,9 +53,16 @@ type AlipayConfig struct {
 	AppCertPath        string // 应用公钥证书路径
 	AlipayCertPath     string // 支付宝公钥证书路径
 	AlipayRootCertPath string // 根证书路径
-	IsProduction       bool
-	NotifyUrl          string
-	ReturnURL          string
+	// Bak 仅用于 2026-02-02 18:26 之前的订单退款
+	AppIDBak              string
+	PrivateKeyBak         string
+	AlipayPublicKeyBak    string
+	AppCertPathBak        string
+	AlipayCertPathBak     string
+	AlipayRootCertPathBak string
+	IsProduction          bool
+	NotifyUrl             string
+	ReturnURL             string
 }
 type WxpayConfig struct {
 	AppID                      string
--- a/app/main/api/internal/logic/admin_order/adminrefundorderlogic.go
+++ b/app/main/api/internal/logic/admin_order/adminrefundorderlogic.go
@@ -75,10 +75,13 @@ func (l *AdminRefundOrderLogic) getAndValidateOrder(orderId int64, refundAmount
 	return order, nil
 }

-// handleAlipayRefund 处理支付宝退款
+// handleAlipayRefund 处理支付宝退款（2026-02-02 18:26 前的订单走 bak 商户号）
 func (l *AdminRefundOrderLogic) handleAlipayRefund(order *model.Order, req *types.AdminRefundOrderReq) (*types.AdminRefundOrderResp, error) {
-	// 调用支付宝退款接口
-	refundResp, err := l.svcCtx.AlipayService.AliRefund(l.ctx, order.OrderNo, req.RefundAmount)
+	orderPayTime := &order.CreateTime
+	if order.PayTime.Valid {
+		orderPayTime = &order.PayTime.Time
+	}
+	refundResp, err := l.svcCtx.AlipayService.AliRefund(l.ctx, order.OrderNo, req.RefundAmount, orderPayTime)
 	if err != nil {
 		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "AdminRefundOrder, 支付宝退款失败 err: %v", err)
 	}
--- a/app/main/api/internal/logic/pay/alipaycallbacklogic.go
+++ b/app/main/api/internal/logic/pay/alipaycallbacklogic.go
@@ -218,7 +218,9 @@ func (l *AlipayCallbackLogic) handleRefund(order *model.AgentMembershipRechargeO
 			return refundErr
 		}
 	} else {
-		refund, refundErr := l.svcCtx.AlipayService.AliRefund(ctx, order.OrderNo, order.Amount)
+		// 代理会员订单以创建时间为准，2026-02-02 18:26 前的订单走 bak 商户号
+		orderPayTime := order.CreateTime
+		refund, refundErr := l.svcCtx.AlipayService.AliRefund(ctx, order.OrderNo, order.Amount, &orderPayTime)
 		if refundErr != nil {
 			return refundErr
 		}
--- a/app/main/api/internal/logic/pay/wechatpaycallbacklogic.go
+++ b/app/main/api/internal/logic/pay/wechatpaycallbacklogic.go
@@ -221,7 +221,9 @@ func (l *WechatPayCallbackLogic) handleRefund(order *model.AgentMembershipRechar
 			return refundErr
 		}
 	} else {
-		refund, refundErr := l.svcCtx.AlipayService.AliRefund(ctx, order.OrderNo, order.Amount)
+		// 代理会员订单以创建时间为准，2026-02-02 18:26 前的订单走 bak 商户号
+		orderPayTime := order.CreateTime
+		refund, refundErr := l.svcCtx.AlipayService.AliRefund(ctx, order.OrderNo, order.Amount, &orderPayTime)
 		if refundErr != nil {
 			return refundErr
 		}
--- a/app/main/api/internal/logic/query/queryservicelogic.go
+++ b/app/main/api/internal/logic/query/queryservicelogic.go
--- a/app/main/api/internal/queue/paySuccessNotify.go
+++ b/app/main/api/internal/queue/paySuccessNotify.go
@@ -266,8 +266,12 @@ func (l *PaySuccessNotifyUserHandler) handleError(ctx context.Context, err error
 			logx.Infof("已发起微信退款申请, orderID: %d, amount: %f", order.Id, order.Amount)
 			return asynq.SkipRetry
 		} else {
-			// 支付宝退款为同步结果，这里直接根据返回结果更新订单和佣金/钱包
-			refund, refundErr := l.svcCtx.AlipayService.AliRefund(ctx, order.OrderNo, order.Amount)
+			// 支付宝退款为同步结果，2026-02-02 18:26 前的订单走 bak 商户号
+			orderPayTime := &order.CreateTime
+			if order.PayTime.Valid {
+				orderPayTime = &order.PayTime.Time
+			}
+			refund, refundErr := l.svcCtx.AlipayService.AliRefund(ctx, order.OrderNo, order.Amount, orderPayTime)
 			if refundErr != nil {
 				logx.Error(refundErr)
 				return asynq.SkipRetry
--- a/app/main/api/internal/service/alipayService.go
+++ b/app/main/api/internal/service/alipayService.go
@@ -16,9 +16,13 @@ import (
 	"github.com/smartwalle/alipay/v3"
 )

+// AlipayBakRefundCutoff bak 支付宝仅用于该时间点之前的订单退款（2026年2月2日 18:26 下午，CST）
+var AlipayBakRefundCutoff = time.Date(2026, 2, 2, 18, 26, 0, 0, time.FixedZone("CST", 8*3600))
+
 type AliPayService struct {
-	config       config.AlipayConfig
-	AlipayClient *alipay.Client
+	config          config.AlipayConfig
+	AlipayClient    *alipay.Client
+	AlipayClientBak *alipay.Client // 仅用于 2026-02-02 18:26 前订单的退款
 }

 // NewAliPayService 是一个构造函数，用于初始化 AliPayService
@@ -44,10 +48,30 @@ func NewAliPayService(c config.Config) *AliPayService {
 		panic(fmt.Sprintf("加载根证书失败: %v", err))
 	}

-	return &AliPayService{
+	svc := &AliPayService{
 		config:       c.Alipay,
 		AlipayClient: client,
 	}
+
+	// 初始化 bak 支付宝客户端（仅用于 2026-02-02 18:26 前订单的退款）
+	if c.Alipay.AppIDBak != "" && c.Alipay.PrivateKeyBak != "" {
+		bakClient, err := alipay.New(c.Alipay.AppIDBak, c.Alipay.PrivateKeyBak, c.Alipay.IsProduction)
+		if err != nil {
+			panic(fmt.Sprintf("创建支付宝 bak 客户端失败: %v", err))
+		}
+		if err = bakClient.LoadAppCertPublicKeyFromFile(c.Alipay.AppCertPathBak); err != nil {
+			panic(fmt.Sprintf("加载 bak 应用公钥证书失败: %v", err))
+		}
+		if err = bakClient.LoadAlipayCertPublicKeyFromFile(c.Alipay.AlipayCertPathBak); err != nil {
+			panic(fmt.Sprintf("加载 bak 支付宝公钥证书失败: %v", err))
+		}
+		if err = bakClient.LoadAliPayRootCertFromFile(c.Alipay.AlipayRootCertPathBak); err != nil {
+			panic(fmt.Sprintf("加载 bak 根证书失败: %v", err))
+		}
+		svc.AlipayClientBak = bakClient
+	}
+
+	return svc
 }

 func (a *AliPayService) CreateAlipayAppOrder(amount float64, subject string, outTradeNo string) (string, error) {
@@ -116,16 +140,20 @@ func (a *AliPayService) CreateAlipayOrder(ctx context.Context, amount float64, s
 	}
 }

-// AliRefund 发起支付宝退款
-func (a *AliPayService) AliRefund(ctx context.Context, outTradeNo string, refundAmount float64) (*alipay.TradeRefundRsp, error) {
+// AliRefund 发起支付宝退款。orderPayTime 为订单支付时间（或创建时间），若在 2026-02-02 18:26 之前则使用 bak 商户号退款；传 nil 则使用主商户号。
+func (a *AliPayService) AliRefund(ctx context.Context, outTradeNo string, refundAmount float64, orderPayTime *time.Time) (*alipay.TradeRefundRsp, error) {
+	client := a.AlipayClient
+	if orderPayTime != nil && !orderPayTime.After(AlipayBakRefundCutoff) && a.AlipayClientBak != nil {
+		client = a.AlipayClientBak
+	}
+
 	refund := alipay.TradeRefund{
 		OutTradeNo:   outTradeNo,
 		RefundAmount: lzUtils.ToAlipayAmount(refundAmount),
 		OutRequestNo: fmt.Sprintf("refund-%s", outTradeNo),
 	}

-	// 发起退款请求
-	refundResp, err := a.AlipayClient.TradeRefund(ctx, refund)
+	refundResp, err := client.TradeRefund(ctx, refund)
 	if err != nil {
 		return nil, fmt.Errorf("支付宝退款请求错误：%v", err)
 	}
--- a/app/main/api/internal/service/apirequestService.go
+++ b/app/main/api/internal/service/apirequestService.go
@@ -2,6 +2,7 @@ package service

 import (
 	"context"
+	"encoding/hex"
 	"encoding/json"
 	"errors"
 	"fmt"
@@ -13,6 +14,7 @@ import (
 	"tyc-server/app/main/api/internal/config"
 	tianyuanapi "tyc-server/app/main/api/internal/service/tianyuanapi_sdk"
 	"tyc-server/app/main/model"
+	"tyc-server/pkg/lzkit/crypto"

 	"github.com/Masterminds/squirrel"
 	"github.com/tidwall/gjson"
@@ -175,6 +177,9 @@ var requestProcessors = map[string]func(*ApiRequestService, []byte) ([]byte, err
 	"BehaviorRiskScan":    (*ApiRequestService).ProcessBehaviorRiskScanRequest,
 	"YYSYBE08":            (*ApiRequestService).ProcessYYSYBE08Request,
 	"YYSY09CD":            (*ApiRequestService).ProcessYYSY09CDRequest,
+	"QCXGGB2Q":            (*ApiRequestService).ProcessQCXGGB2QRequest,
+	"QCXGYTS2":            (*ApiRequestService).ProcessQCXGYTS2Request,
+	"QCXG5F3A":            (*ApiRequestService).ProcessQCXG5F3ARequest,
 	"FLXG0687":            (*ApiRequestService).ProcessFLXG0687Request,
 	"FLXG3D56":            (*ApiRequestService).ProcessFLXG3D56Request,
 	"FLXG0V4B":            (*ApiRequestService).ProcesFLXG0V4BRequest,
@@ -197,6 +202,17 @@ var requestProcessors = map[string]func(*ApiRequestService, []byte) ([]byte, err
 	"IVYZ3P9M":            (*ApiRequestService).ProcessIVYZ3P9MRequest,
 	"FLXG7E8F":            (*ApiRequestService).ProcessFLXG7E8FRequest,
 	"QCXG9P1C":            (*ApiRequestService).ProcessQCXG9P1CFRequest,
+	// 车辆类接口（传参后续配置，先透传缓存 params）
+	"QCXG4D2E": (*ApiRequestService).ProcessQCXG4D2ERequest,
+	"QCXG5U0Z": (*ApiRequestService).ProcessQCXG5U0ZRequest,
+	"QCXG1U4U": (*ApiRequestService).ProcessQCXG1U4URequest,
+	"QCXGY7F2": (*ApiRequestService).ProcessQCXGY7F2Request,
+	"QCXG1H7Y": (*ApiRequestService).ProcessQCXG1H7YRequest,
+	"QCXG4I1Z": (*ApiRequestService).ProcessQCXG4I1ZRequest,
+	"QCXG3Y6B": (*ApiRequestService).ProcessQCXG3Y6BRequest,
+	"QCXG3Z3L": (*ApiRequestService).ProcessQCXG3Z3LRequest,
+	"QCXGP00W": (*ApiRequestService).ProcessQCXGP00WRequest,
+	"QCXG6B4E": (*ApiRequestService).ProcessQCXG6B4ERequest,
 }

 // PreprocessRequestApi 调用指定的请求处理函数
@@ -1104,6 +1120,253 @@ func (a *ApiRequestService) ProcessQYGL6F2DRequest(params []byte) ([]byte, error
 	return nil, fmt.Errorf("响应code错误%s", code.String())
 }

+// ProcessQCXGGB2QRequest 人车核验简版
+func (a *ApiRequestService) ProcessQCXGGB2QRequest(params []byte) ([]byte, error) {
+	plateNo := gjson.GetBytes(params, "plate_no")
+	carplateType := gjson.GetBytes(params, "carplate_type")
+	name := gjson.GetBytes(params, "name")
+
+	if !plateNo.Exists() || !carplateType.Exists() || !name.Exists() {
+		return nil, errors.New("api请求, QCXGGB2Q, 获取相关参数失败")
+	}
+
+	resp, err := a.tianyuanapi.CallInterface("QCXGGB2Q", map[string]interface{}{
+		"plate_no":      plateNo.String(),
+		"carplate_type": carplateType.String(),
+		"name":          name.String(),
+	})
+
+	if err != nil {
+		return nil, err
+	}
+
+	return convertTianyuanResponse(resp)
+}
+
+// ProcessQCXGYTS2Request 人车核验详版
+func (a *ApiRequestService) ProcessQCXGYTS2Request(params []byte) ([]byte, error) {
+	plateNo := gjson.GetBytes(params, "plate_no")
+	carplateType := gjson.GetBytes(params, "carplate_type")
+	name := gjson.GetBytes(params, "name")
+
+	if !plateNo.Exists() || !carplateType.Exists() || !name.Exists() {
+		return nil, errors.New("api请求, QCXGYTS2, 获取相关参数失败")
+	}
+
+	resp, err := a.tianyuanapi.CallInterface("QCXGYTS2", map[string]interface{}{
+		"plate_no":      plateNo.String(),
+		"carplate_type": carplateType.String(),
+		"name":          name.String(),
+	})
+
+	if err != nil {
+		return nil, err
+	}
+
+	return convertTianyuanResponse(resp)
+}
+
+// ProcessQCXG5F3ARequest 名下车辆(车牌)
+func (a *ApiRequestService) ProcessQCXG5F3ARequest(params []byte) ([]byte, error) {
+	idCard := gjson.GetBytes(params, "id_card")
+	name := gjson.GetBytes(params, "name")
+	if !idCard.Exists() || !name.Exists() {
+		return nil, errors.New("api请求, QCXG5F3A, 获取相关参数失败")
+	}
+
+	resp, err := a.tianyuanapi.CallInterface("QCXG5F3A", map[string]interface{}{
+		"id_card": idCard.String(),
+		"name":    name.String(),
+	})
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+// processVehicleApiPassThrough 车辆类接口通用透传：将缓存 params 原样传给天远（传参后续按接口文档再细化）
+func (a *ApiRequestService) processVehicleApiPassThrough(params []byte, apiID string) ([]byte, error) {
+	var m map[string]interface{}
+	if err := json.Unmarshal(params, &m); err != nil {
+		return nil, fmt.Errorf("api请求, %s, 解析参数失败: %w", apiID, err)
+	}
+	resp, err := a.tianyuanapi.CallInterface(apiID, m)
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+// 车辆 API 按 md 从缓存 params 提取字段并调用天远
+
+func (a *ApiRequestService) ProcessQCXG4D2ERequest(params []byte) ([]byte, error) {
+	m := map[string]interface{}{}
+	if err := json.Unmarshal(params, &m); err != nil {
+		return nil, fmt.Errorf("api请求, QCXG4D2E, 解析参数失败: %w", err)
+	}
+	body := map[string]interface{}{}
+	if v, ok := m["user_type"].(string); ok && v != "" {
+		body["user_type"] = v
+	} else {
+		body["user_type"] = "1"
+	}
+	if v, ok := m["id_card"].(string); ok {
+		body["id_card"] = v
+	} else {
+		return nil, errors.New("api请求, QCXG4D2E, 缺少 id_card")
+	}
+	resp, err := a.tianyuanapi.CallInterface("QCXG4D2E", body)
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+func (a *ApiRequestService) ProcessQCXG5U0ZRequest(params []byte) ([]byte, error) {
+	vin := gjson.GetBytes(params, "vin_code")
+	if !vin.Exists() || vin.String() == "" {
+		return nil, errors.New("api请求, QCXG5U0Z, 缺少 vin_code")
+	}
+	resp, err := a.tianyuanapi.CallInterface("QCXG5U0Z", map[string]interface{}{"vin_code": vin.String()})
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+func (a *ApiRequestService) ProcessQCXG1U4URequest(params []byte) ([]byte, error) {
+	body := buildVehicleBody(params, []string{"vin_code", "return_url", "image_url"}, nil)
+	if body["vin_code"] == nil || body["return_url"] == nil || body["image_url"] == nil {
+		return nil, errors.New("api请求, QCXG1U4U, 缺少必填参数 vin_code/return_url/image_url")
+	}
+	resp, err := a.tianyuanapi.CallInterface("QCXG1U4U", body)
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+func (a *ApiRequestService) ProcessQCXGY7F2Request(params []byte) ([]byte, error) {
+	body := buildVehicleBody(params, []string{"vin_code", "vehicle_location", "first_registrationdate"}, nil)
+	if body["vin_code"] == nil || body["vehicle_location"] == nil || body["first_registrationdate"] == nil {
+		return nil, errors.New("api请求, QCXGY7F2, 缺少必填参数 vin_code/vehicle_location/first_registrationdate")
+	}
+	resp, err := a.tianyuanapi.CallInterface("QCXGY7F2", body)
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+func (a *ApiRequestService) ProcessQCXG1H7YRequest(params []byte) ([]byte, error) {
+	vin := gjson.GetBytes(params, "vin_code")
+	if !vin.Exists() || vin.String() == "" {
+		return nil, errors.New("api请求, QCXG1H7Y, 缺少 vin_code")
+	}
+	resp, err := a.tianyuanapi.CallInterface("QCXG1H7Y", map[string]interface{}{"vin_code": vin.String()})
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+func (a *ApiRequestService) ProcessQCXG4I1ZRequest(params []byte) ([]byte, error) {
+	vin := gjson.GetBytes(params, "vin_code")
+	if !vin.Exists() || vin.String() == "" {
+		return nil, errors.New("api请求, QCXG4I1Z, 缺少 vin_code")
+	}
+	resp, err := a.tianyuanapi.CallInterface("QCXG4I1Z", map[string]interface{}{"vin_code": vin.String()})
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+func (a *ApiRequestService) ProcessQCXG3Y6BRequest(params []byte) ([]byte, error) {
+	body := buildVehicleBody(params, []string{"vin_code", "return_url"}, nil)
+	if body["vin_code"] == nil || body["return_url"] == nil {
+		return nil, errors.New("api请求, QCXG3Y6B, 缺少必填参数 vin_code/return_url")
+	}
+	resp, err := a.tianyuanapi.CallInterface("QCXG3Y6B", body)
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+func (a *ApiRequestService) ProcessQCXG3Z3LRequest(params []byte) ([]byte, error) {
+	body := buildVehicleBody(params, []string{"vin_code", "return_url"}, nil)
+	if body["vin_code"] == nil || body["return_url"] == nil {
+		return nil, errors.New("api请求, QCXG3Z3L, 缺少必填参数 vin_code/return_url")
+	}
+	resp, err := a.tianyuanapi.CallInterface("QCXG3Z3L", body)
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+func (a *ApiRequestService) ProcessQCXGP00WRequest(params []byte) ([]byte, error) {
+	vin := gjson.GetBytes(params, "vin_code")
+	returnURL := gjson.GetBytes(params, "return_url")
+	vlphoto := gjson.GetBytes(params, "vlphoto_data")
+	if !vin.Exists() || vin.String() == "" || !returnURL.Exists() || returnURL.String() == "" || !vlphoto.Exists() || vlphoto.String() == "" {
+		return nil, errors.New("api请求, QCXGP00W, 缺少必填参数 vin_code/return_url/vlphoto_data")
+	}
+	key, err := hex.DecodeString(a.config.Encrypt.SecretKey)
+	if err != nil {
+		return nil, fmt.Errorf("api请求, QCXGP00W, 密钥解析失败: %w", err)
+	}
+	encData, err := crypto.AesEncrypt([]byte(vlphoto.String()), key)
+	if err != nil {
+		return nil, fmt.Errorf("api请求, QCXGP00W, 加密行驶证数据失败: %w", err)
+	}
+	resp, err := a.tianyuanapi.CallInterface("QCXGP00W", map[string]interface{}{
+		"vin_code":   vin.String(),
+		"return_url": returnURL.String(),
+		"data":       encData,
+	})
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+func (a *ApiRequestService) ProcessQCXG6B4ERequest(params []byte) ([]byte, error) {
+	vin := gjson.GetBytes(params, "vin_code")
+	auth := gjson.GetBytes(params, "authorized")
+	if !vin.Exists() || vin.String() == "" || !auth.Exists() {
+		return nil, errors.New("api请求, QCXG6B4E, 缺少 vin_code 或 authorized")
+	}
+	// 天远文档字段名为 VINCode、Authorized
+	resp, err := a.tianyuanapi.CallInterface("QCXG6B4E", map[string]interface{}{
+		"VINCode":    vin.String(),
+		"Authorized": auth.String(),
+	})
+	if err != nil {
+		return nil, err
+	}
+	return convertTianyuanResponse(resp)
+}
+
+// buildVehicleBody 从 params 中取 required 与 optional 键，仅非空才写入 body
+func buildVehicleBody(params []byte, required, optional []string) map[string]interface{} {
+	body := make(map[string]interface{})
+	for _, k := range required {
+		v := gjson.GetBytes(params, k)
+		if v.Exists() {
+			body[k] = v.String()
+		}
+	}
+	for _, k := range optional {
+		v := gjson.GetBytes(params, k)
+		if v.Exists() && v.String() != "" {
+			body[k] = v.String()
+		}
+	}
+	return body
+}
+
 // ProcessQCXG7A2BRequest 名下车辆
 func (a *ApiRequestService) ProcessQCXG7A2BRequest(params []byte) ([]byte, error) {
 	idCard := gjson.GetBytes(params, "id_card")
--- a/app/main/api/internal/types/query.go
+++ b/app/main/api/internal/types/query.go
@@ -122,6 +122,91 @@ type AgentQueryData struct {
 	Mobile string `json:"mobile"`
 	Code   string `json:"code"`
 }
+
+// 名下车辆(数量) QCXG4D2E：仅 user_type(1-ETC开户人 2-车辆所有人 3-ETC经办人)+id_card，无验证码
+type TocVehiclesUnderNameCountReq struct {
+	UserType string `json:"user_type"` // 必填，默认 1
+	IDCard   string `json:"id_card" validate:"required,idCard"`
+}
+
+// 车辆静态信息/过户详版等 仅 vin_code
+type TocVehicleVinCodeReq struct {
+	VinCode string `json:"vin_code" validate:"required"`
+	Mobile  string `json:"mobile" validate:"required,mobile"`
+	Code    string `json:"code" validate:"required"`
+}
+
+// 车辆里程记录(混合) QCXG1U4U
+type TocVehicleMileageMixedReq struct {
+	VinCode      string `json:"vin_code" validate:"required"`
+	PlateNo      string `json:"plate_no"`
+	ReturnURL    string `json:"return_url" validate:"required"`
+	ImageURL     string `json:"image_url" validate:"required"`
+	RegURL       string `json:"reg_url"`
+	EngineNumber string `json:"engine_number"`
+	Mobile       string `json:"mobile" validate:"required,mobile"`
+	Code         string `json:"code" validate:"required"`
+}
+
+// 二手车VIN估值 QCXGY7F2
+type TocVehicleVinValuationReq struct {
+	VinCode               string `json:"vin_code" validate:"required"`
+	VehicleName           string `json:"vehicle_name"`
+	VehicleLocation       string `json:"vehicle_location" validate:"required"`
+	FirstRegistrationDate string `json:"first_registrationdate" validate:"required"` // yyyy-MM
+	Color                 string `json:"color"`
+	Mobile                string `json:"mobile" validate:"required,mobile"`
+	Code                  string `json:"code" validate:"required"`
+}
+
+// 车辆过户简版 QCXG1H7Y
+type TocVehicleTransferSimpleReq struct {
+	VinCode string `json:"vin_code" validate:"required"`
+	PlateNo string `json:"plate_no"`
+	Mobile  string `json:"mobile" validate:"required,mobile"`
+	Code    string `json:"code" validate:"required"`
+}
+
+// 车辆维保简版 QCXG3Y6B
+type TocVehicleMaintenanceSimpleReq struct {
+	VinCode      string `json:"vin_code" validate:"required"`
+	PlateNo      string `json:"plate_no"`
+	ReturnURL    string `json:"return_url" validate:"required"`
+	ImageURL     string `json:"image_url"`
+	RegURL       string `json:"reg_url"`
+	EngineNumber string `json:"engine_number"`
+	Mobile       string `json:"mobile" validate:"required,mobile"`
+	Code         string `json:"code" validate:"required"`
+}
+
+// 车辆维保详细版 QCXG3Z3L
+type TocVehicleMaintenanceDetailReq struct {
+	VinCode      string `json:"vin_code" validate:"required"`
+	PlateNo      string `json:"plate_no"`
+	ReturnURL    string `json:"return_url" validate:"required"`
+	ImageURL     string `json:"image_url"`
+	EngineNumber string `json:"engine_number"`
+	Mobile       string `json:"mobile" validate:"required,mobile"`
+	Code         string `json:"code" validate:"required"`
+}
+
+// 车辆出险详版 QCXGP00W，vlphoto_data 加密后以 data 字段提交
+type TocVehicleClaimDetailReq struct {
+	VinCode     string `json:"vin_code" validate:"required"`
+	PlateNo     string `json:"plate_no"`
+	ReturnURL   string `json:"return_url" validate:"required"`
+	VlphotoData string `json:"vlphoto_data" validate:"required"` // 行驶证图片 base64，加密后传 API 的 data
+	Mobile      string `json:"mobile" validate:"required,mobile"`
+	Code        string `json:"code" validate:"required"`
+}
+
+// 车辆出险记录核验 QCXG6B4E，VINCode + Authorized(0/1)
+type TocVehicleClaimVerifyReq struct {
+	VINCode    string `json:"vin_code" validate:"required"`
+	Authorized string `json:"authorized" validate:"required"` // 0:否 1:是
+	Mobile     string `json:"mobile" validate:"required,mobile"`
+	Code       string `json:"code" validate:"required"`
+}
 type AgentIdentifier struct {
 	Product string `json:"product"`
 	AgentID int64  `json:"agent_id"`
--- a/deploy/sql/product_feature_inserts.sql
+++ b/deploy/sql/product_feature_inserts.sql