diff --git a/app/main/api/internal/logic/agent/applyforagentlogic.go b/app/main/api/internal/logic/agent/applyforagentlogic.go
index 697adb4..7c23a9e 100644
--- a/app/main/api/internal/logic/agent/applyforagentlogic.go
+++ b/app/main/api/internal/logic/agent/applyforagentlogic.go
@@ -6,6 +6,7 @@ import (
 	"fmt"
 	"os"
 	"strconv"
+	"strings"
 	"time"
 	"qnc-server/app/main/model"
 	"qnc-server/common/ctxdata"
@@ -83,7 +84,24 @@ func (l *ApplyForAgentLogic) ApplyForAgent(req *types.AgentApplyReq) (resp *type
 			}
 			userID, err = l.svcCtx.UserService.RegisterUser(l.ctx, encryptedMobile)
 			if err != nil {
-				return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "注册用户失败: %v", err)
+				// 检查是否是并发注册导致的唯一键冲突
+				// MySQL错误码: 1062 (23000) - Duplicate entry
+				errStr := err.Error()
+				if strings.Contains(errStr, "Duplicate entry") && strings.Contains(errStr, "user_auth.unique_type_key") {
+					// 并发冲突，重新查询用户
+					l.Infof("申请代理, 检测到并发注册冲突，重新查询用户: %s", encryptedMobile)
+					user, retryErr := l.svcCtx.UserModel.FindOneByMobile(l.ctx, sql.NullString{String: encryptedMobile, Valid: true})
+					if retryErr != nil {
+						return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "申请代理, 并发冲突后重新查询用户失败: %v", retryErr)
+					}
+					if user == nil {
+						return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "申请代理, 并发冲突后仍未找到用户")
+					}
+					userID = user.Id
+					l.Infof("申请代理, 并发冲突后获取到已注册用户, userId: %s, mobile: %s", userID, encryptedMobile)
+				} else {
+					return errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "注册用户失败: %v", err)
+				}
 			}
 		} else {
 			// 用户已存在
diff --git a/app/main/api/internal/logic/user/mobilecodeloginlogic.go b/app/main/api/internal/logic/user/mobilecodeloginlogic.go
index 9ede239..a8d3aab 100644
--- a/app/main/api/internal/logic/user/mobilecodeloginlogic.go
+++ b/app/main/api/internal/logic/user/mobilecodeloginlogic.go
@@ -3,6 +3,7 @@ package user
 import (
 	"context"
 	"database/sql"
+	stderrors "errors"
 	"fmt"
 	"os"
 	"qnc-server/app/main/api/internal/svc"
@@ -10,6 +11,7 @@ import (
 	"qnc-server/app/main/model"
 	"qnc-server/common/xerr"
 	"qnc-server/pkg/lzkit/crypto"
+	"strings"
 	"time"
 
 	"github.com/pkg/errors"
@@ -44,7 +46,7 @@ func (l *MobileCodeLoginLogic) MobileCodeLogin(req *types.MobileCodeLoginReq) (r
 		redisKey := fmt.Sprintf("%s:%s", "login", encryptedMobile)
 		cacheCode, err := l.svcCtx.Redis.Get(redisKey)
 		if err != nil {
-			if errors.Is(err, redis.Nil) {
+			if stderrors.Is(err, redis.Nil) {
 				return nil, errors.Wrapf(xerr.NewErrMsg("验证码已过期"), "手机登录, 验证码过期: %s", encryptedMobile)
 			}
 			return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "手机登录, 读取验证码redis缓存失败, mobile: %s, err: %+v", encryptedMobile, err)
@@ -63,10 +65,28 @@ func (l *MobileCodeLoginLogic) MobileCodeLogin(req *types.MobileCodeLoginReq) (r
 		l.Infof("手机登录, 用户不存在，自动注册新用户: %s", encryptedMobile)
 		registeredUserID, registerErr := l.svcCtx.UserService.RegisterUser(l.ctx, encryptedMobile)
 		if registerErr != nil {
-			return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "手机登录, 自动注册用户失败, mobile: %s, err: %+v", encryptedMobile, registerErr)
+			// 检查是否是并发注册导致的唯一键冲突
+			// MySQL错误码: 1062 (23000) - Duplicate entry
+			errStr := registerErr.Error()
+			if strings.Contains(errStr, "Duplicate entry") && strings.Contains(errStr, "user_auth.unique_type_key") {
+				// 并发冲突，重新查询用户
+				l.Infof("手机登录, 检测到并发注册冲突，重新查询用户: %s", encryptedMobile)
+				user, retryErr := l.svcCtx.UserModel.FindOneByMobile(l.ctx, sql.NullString{String: encryptedMobile, Valid: true})
+				if retryErr != nil {
+					return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "手机登录, 并发冲突后重新查询用户失败, mobile: %s, err: %+v", encryptedMobile, retryErr)
+				}
+				if user == nil {
+					return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "手机登录, 并发冲突后仍未找到用户, mobile: %s", encryptedMobile)
+				}
+				userID = user.Id
+				l.Infof("手机登录, 并发冲突后获取到已注册用户, userId: %s, mobile: %s", userID, encryptedMobile)
+			} else {
+				return nil, errors.Wrapf(xerr.NewErrCode(xerr.SERVER_COMMON_ERROR), "手机登录, 自动注册用户失败, mobile: %s, err: %+v", encryptedMobile, registerErr)
+			}
+		} else {
+			userID = registeredUserID
+			l.Infof("手机登录, 自动注册用户成功, userId: %s, mobile: %s", userID, encryptedMobile)
 		}
-		userID = registeredUserID
-		l.Infof("手机登录, 自动注册用户成功, userId: %s, mobile: %s", userID, encryptedMobile)
 	} else {
 		if user.Disable == 1 {
 			return nil, errors.Wrapf(xerr.NewErrCode(xerr.USER_DISABLED), "用户已被封禁")
diff --git a/app/main/api/internal/service/apirequestService.go b/app/main/api/internal/service/apirequestService.go
index 1afbaf4..d06da15 100644
--- a/app/main/api/internal/service/apirequestService.go
+++ b/app/main/api/internal/service/apirequestService.go
@@ -61,23 +61,23 @@ type APIResponseData struct {
 func (a *ApiRequestService) ProcessRequests(params []byte, productID string) ([]byte, error) {
 	var ctx, cancel = context.WithCancel(context.Background())
 	defer cancel()
-    build := a.productFeatureModel.SelectBuilder().Where(squirrel.Eq{
-        "product_id": productID,
-    })
+	build := a.productFeatureModel.SelectBuilder().Where(squirrel.Eq{
+		"product_id": productID,
+	})
 	productFeatureList, findProductFeatureErr := a.productFeatureModel.FindAll(ctx, build, "")
 	if findProductFeatureErr != nil {
 		return nil, findProductFeatureErr
 	}
-    var featureIDs []string
-    isImportantMap := make(map[string]int64, len(productFeatureList))
+	var featureIDs []string
+	isImportantMap := make(map[string]int64, len(productFeatureList))
 	for _, pf := range productFeatureList {
-        featureIDs = append(featureIDs, pf.FeatureId)
-        isImportantMap[pf.FeatureId] = pf.IsImportant
+		featureIDs = append(featureIDs, pf.FeatureId)
+		isImportantMap[pf.FeatureId] = pf.IsImportant
 	}
 	if len(featureIDs) == 0 {
 		return nil, errors.New("featureIDs 是空的")
 	}
-    builder := a.featureModel.SelectBuilder().Where(squirrel.Eq{"id": featureIDs})
+	builder := a.featureModel.SelectBuilder().Where(squirrel.Eq{"id": featureIDs})
 	featureList, findFeatureErr := a.featureModel.FindAll(ctx, builder, "")
 	if findFeatureErr != nil {
 		return nil, findFeatureErr
@@ -114,7 +114,7 @@ func (a *ApiRequestService) ProcessRequests(params []byte, productID string) ([]
 				preprocessErr error
 			)
 			// 若 isImportantMap[feature.ID] == 1，则表示需要在出错时重试
-            isImportant := isImportantMap[feature.Id] == 1
+			isImportant := isImportantMap[feature.Id] == 1
 			tryCount := 0
 			for {
 				tryCount++
@@ -207,6 +207,7 @@ var requestProcessors = map[string]func(*ApiRequestService, []byte) ([]byte, err
 	"IVYZ8I9J":            (*ApiRequestService).ProcessIVYZ8I9JRequest,
 	"JRZQ7F1A":            (*ApiRequestService).ProcessJRZQ7F1ARequest,
 	"IVYZ3P9M":            (*ApiRequestService).ProcessIVYZ3P9MRequest,
+	"JRZQ6F2A":            (*ApiRequestService).ProcessJRZQ6F2ARequest,
 }
 
 // PreprocessRequestApi 调用指定的请求处理函数
@@ -1577,3 +1578,26 @@ func (a *ApiRequestService) ProcessIVYZ3P9MRequest(params []byte) ([]byte, error
 
 	return convertTianyuanResponse(resp)
 }
+
+// ProcessJRZQ6F2ARequest   借贷申请
+func (a *ApiRequestService) ProcessJRZQ6F2ARequest(params []byte) ([]byte, error) {
+	name := gjson.GetBytes(params, "name")
+	idCard := gjson.GetBytes(params, "id_card")
+	mobile := gjson.GetBytes(params, "mobile")
+	if !name.Exists() || !idCard.Exists() || !mobile.Exists() {
+		return nil, errors.New("api请求, JRZQ6F2A, 获取相关参数失败")
+	}
+
+	resp, err := a.tianyuanapi.CallInterface("JRZQ6F2A", map[string]interface{}{
+		"name":       name.String(),
+		"id_card":    idCard.String(),
+		"mobile_no":  mobile.String(),
+		"authorized": "1",
+	})
+
+	if err != nil {
+		return nil, err
+	}
+
+	return convertTianyuanResponse(resp)
+}