diff --git a/app/user/cmd/api/internal/logic/query/queryservicelogic.go b/app/user/cmd/api/internal/logic/query/queryservicelogic.go
index 4609ca4..068d46a 100644
--- a/app/user/cmd/api/internal/logic/query/queryservicelogic.go
+++ b/app/user/cmd/api/internal/logic/query/queryservicelogic.go
@@ -76,30 +76,42 @@ func (l *QueryServiceLogic) VerifyCode(mobile string, code string) error {
 func (l *QueryServiceLogic) Verify(Name string, IDCard string, Mobile string) error {
 	if l.svcCtx.Config.SystemConfig.ThreeVerify {
 		// 三要素验证
-		threeVerification := service.ThreeFactorVerificationRequest{
-			Name:   Name,
-			IDCard: IDCard,
-			Mobile: Mobile,
-		}
-		verification, err := l.svcCtx.VerificationService.ThreeFactorVerification(threeVerification)
-		if err != nil {
-			return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "三要素验证失败: %+v", err)
-		}
-		if !verification.Passed {
-			return errors.Wrapf(xerr.NewErrCodeMsg(xerr.SERVER_COMMON_ERROR, verification.Err.Error()), "三要素验证不通过: %+v", err)
-		}
+		return l.VerifyThreeFactors(Name, IDCard, Mobile)
 	} else {
-		twoVerification := service.TwoFactorVerificationRequest{
-			Name:   Name,
-			IDCard: IDCard,
-		}
-		verification, err := l.svcCtx.VerificationService.TwoFactorVerification(twoVerification)
-		if err != nil {
-			return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "二要素验证失败: %+v", err)
-		}
-		if !verification.Passed {
-			return errors.Wrapf(xerr.NewErrCodeMsg(xerr.SERVER_COMMON_ERROR, verification.Err.Error()), "二要素验证不通过: %+v", err)
-		}
+		// 二要素验证
+		return l.VerifyTwoFactors(Name, IDCard)
+	}
+}
+
+// VerifyTwoFactors 二要素验证
+func (l *QueryServiceLogic) VerifyTwoFactors(Name string, IDCard string) error {
+	twoVerification := service.TwoFactorVerificationRequest{
+		Name:   Name,
+		IDCard: IDCard,
+	}
+	verification, err := l.svcCtx.VerificationService.TwoFactorVerification(twoVerification)
+	if err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "二要素验证失败: %+v", err)
+	}
+	if !verification.Passed {
+		return errors.Wrapf(xerr.NewErrCodeMsg(xerr.SERVER_COMMON_ERROR, verification.Err.Error()), "二要素验证不通过: %+v", err)
+	}
+	return nil
+}
+
+// VerifyThreeFactors 三要素验证
+func (l *QueryServiceLogic) VerifyThreeFactors(Name string, IDCard string, Mobile string) error {
+	threeVerification := service.ThreeFactorVerificationRequest{
+		Name:   Name,
+		IDCard: IDCard,
+		Mobile: Mobile,
+	}
+	verification, err := l.svcCtx.VerificationService.ThreeFactorVerification(threeVerification)
+	if err != nil {
+		return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "三要素验证失败: %+v", err)
+	}
+	if !verification.Passed {
+		return errors.Wrapf(xerr.NewErrCodeMsg(xerr.SERVER_COMMON_ERROR, verification.Err.Error()), "三要素验证不通过: %+v", err)
 	}
 	return nil
 }
@@ -185,7 +197,8 @@ var productProcessors = map[string]func(*QueryServiceLogic, *types.QueryServiceR
 	"toc_MobileDrugFraudRiskCheck":          (*QueryServiceLogic).ProcessTocMobileDrugFraudRiskCheckLogic,          // 手机号反赌反诈
 	"toc_MobileLocation":                    (*QueryServiceLogic).ProcessTocMobileLocationLogic,                    // 手机归属地
 	"toc_IDCardLocation":                    (*QueryServiceLogic).ProcessTocIDCardLocationLogic,                    // 身份证归属地
-
+	"toc_DebtRepayStress":                   (*QueryServiceLogic).ProcessTocDebtRepayStressLogic,                   // 偿贷压力
+	"toc_EducationInfo":                     (*QueryServiceLogic).ProcessTocEducationInfoLogic,                     // 学历信息查询
 }
 
 func (l *QueryServiceLogic) PreprocessLogic(req *types.QueryServiceReq, product string) (*types.QueryServiceResp, error) {
@@ -1920,3 +1933,84 @@ func (l *QueryServiceLogic) ProcessTocIDCardLocationLogic(req *types.QueryServic
 
 	return &types.QueryServiceResp{Id: cacheNo}, nil
 }
+
+// ProcessTocDebtRepayStressLogic 偿贷压力
+func (l *QueryServiceLogic) ProcessTocDebtRepayStressLogic(req *types.QueryServiceReq) (*types.QueryServiceResp, error) {
+	userID, getUidErr := ctxdata.GetUidFromCtx(l.ctx)
+	if getUidErr != nil {
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询服务, 获取用户信息失败, %+v", getUidErr)
+	}
+
+	// AES解密
+	decryptData, DecryptDataErr := l.DecryptData(req.Data)
+	if DecryptDataErr != nil {
+		return nil, DecryptDataErr
+	}
+
+	// 校验参数
+	var data types.TocDebtRepayStress
+	if unmarshalErr := json.Unmarshal(decryptData, &data); unmarshalErr != nil {
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询服务, 解密后的数据格式不正确: %+v", unmarshalErr)
+	}
+
+	if validatorErr := validator.Validate(data); validatorErr != nil {
+		return nil, errors.Wrapf(xerr.NewErrCodeMsg(xerr.PARAM_VERIFICATION_ERROR, validatorErr.Error()), "查询服务, 参数不正确: %+v", validatorErr)
+	}
+
+	// 验证三要素
+	if verifyErr := l.VerifyThreeFactors(data.Name, data.IDCard, data.Mobile); verifyErr != nil {
+		return nil, verifyErr
+	}
+
+	params := map[string]interface{}{
+		"mobile":  data.Mobile,
+		"name":    data.Name,
+		"id_card": data.IDCard,
+	}
+	cacheNo, cacheDataErr := l.CacheData(params, "toc_DebtRepayStress", userID)
+	if cacheDataErr != nil {
+		return nil, cacheDataErr
+	}
+
+	return &types.QueryServiceResp{Id: cacheNo}, nil
+}
+
+// ProcessTocEducationInfoLogic 学历信息查询
+func (l *QueryServiceLogic) ProcessTocEducationInfoLogic(req *types.QueryServiceReq) (*types.QueryServiceResp, error) {
+	userID, getUidErr := ctxdata.GetUidFromCtx(l.ctx)
+	if getUidErr != nil {
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询服务, 获取用户信息失败, %+v", getUidErr)
+	}
+
+	// AES解密
+	decryptData, DecryptDataErr := l.DecryptData(req.Data)
+	if DecryptDataErr != nil {
+		return nil, DecryptDataErr
+	}
+
+	// 校验参数
+	var data types.TocEducationInfo
+	if unmarshalErr := json.Unmarshal(decryptData, &data); unmarshalErr != nil {
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "查询服务, 解密后的数据格式不正确: %+v", unmarshalErr)
+	}
+
+	if validatorErr := validator.Validate(data); validatorErr != nil {
+		return nil, errors.Wrapf(xerr.NewErrCodeMsg(xerr.PARAM_VERIFICATION_ERROR, validatorErr.Error()), "查询服务, 参数不正确: %+v", validatorErr)
+	}
+
+	// 验证二要素
+	if verifyErr := l.VerifyTwoFactors(data.Name, data.IDCard); verifyErr != nil {
+		return nil, verifyErr
+	}
+
+	params := map[string]interface{}{
+		"name":    data.Name,
+		"id_card": data.IDCard,
+	}
+	cacheNo, cacheDataErr := l.CacheData(params, "toc_EducationInfo", userID)
+	if cacheDataErr != nil {
+		return nil, cacheDataErr
+	}
+
+	return &types.QueryServiceResp{Id: cacheNo}, nil
+}
diff --git a/app/user/cmd/api/internal/types/query.go b/app/user/cmd/api/internal/types/query.go
index 400f294..30a860a 100644
--- a/app/user/cmd/api/internal/types/query.go
+++ b/app/user/cmd/api/internal/types/query.go
@@ -187,3 +187,16 @@ type TocMobileLocation struct {
 type TocIDCardLocation struct {
 	IDCard string `json:"id_card" validate:"required,idCard"`
 }
+
+// 偿贷压力
+type TocDebtRepayStress struct {
+	Name   string `json:"name" validate:"required,name"`
+	IDCard string `json:"id_card" validate:"required,idCard"`
+	Mobile string `json:"mobile" validate:"required,mobile"`
+}
+
+// 学历信息查询
+type TocEducationInfo struct {
+	Name   string `json:"name" validate:"required,name"`
+	IDCard string `json:"id_card" validate:"required,idCard"`
+}